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  "documentTitle": "Central Pacific Financial | Investor Presentation Deck | 24 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2022-11-01 00:00:00",
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      "kind": "list",
      "text": "Majority of Loans in Hawaii: 83% of total loan portfolio is in Hawaii; Hawaii real estate values are exceptionally strong and have a track record of outperforming the broader nation",
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      "text": "Conservative Underwriting: Tighter LTV standards compared to regulatory requirements; Loan amounts >$500K fully underwritten with well-defined credit standards, including repayment capacity",
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      "text": "Mainland Unsecured Consumer Risk Managed: Total portfolio as of 9/30/22 of $310 million or just 5.7% of total loans; Strong origination FICO scores 740+; Purchases must meet CPB’s internal underwriting guidelines; Portfolio is granular and well diversified",
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      "text": "Real Estate Focus: Loan portfolio is over 75% secured by real estate with strong LTVs",
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      "kind": "title",
      "text": "Strong Credit Profile to Weather a Recession",
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      "arcName": "The Sequoia Pitch",
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      "name": "Cost Of Inaction",
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      "bestFor": "Urgent budget requests, compliance, risk mitigation",
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      "evidence": "The deck implies that not taking action would result in missed growth opportunities.",
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      "objective": "The cost of not capitalizing on improving Hawaii trends",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
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