{
  "docId": "019de074-2b7a-742f-a4d1-845a324d4551",
  "docSlug": "d494c4766ea6a03feffbe10c3f246029",
  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 15 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2023-01-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 8,
  "pageCount": 15,
  "prevPage": 7,
  "nextPage": 9,
  "slideType": "key_messages",
  "function": "summarize",
  "density": "overcrowded",
  "nDataPoints": 5,
  "notes": null,
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de074-2b7a-742f-a4d1-845a324d4551/8",
  "deckHref": "/decks/019de074-2b7a-742f-a4d1-845a324d4551",
  "deckJsonHref": "/decks/019de074-2b7a-742f-a4d1-845a324d4551.json",
  "deckAnchorHref": "/decks/019de074-2b7a-742f-a4d1-845a324d4551#slide-8",
  "components": [
    {
      "bbox": {
        "h": 0.15,
        "w": 0.9,
        "x": 0.05,
        "y": 0.75
      },
      "kind": "list",
      "text": "Managed Mainland Consumer Risk: Total portfolio as of 12/31/22 of $452 million or just 8.1% of total loans; Strong origination FICO scores 740+; Purchases must meet CPB’s internal underwriting guidelines; Portfolio is granular and well diversified",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "146f5ad4-001f-46fa-a2b0-433c8e702a0f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.9,
        "x": 0.05,
        "y": 0.59
      },
      "kind": "list",
      "text": "Conservative Underwriting: Tighter LTV standards compared to regulatory requirements; Loan amounts >$500K fully underwritten with well-defined credit standards, including repayment capacity",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "1cc03154-d878-46dd-83da-436fd75ffbb0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.9,
        "x": 0.05,
        "y": 0.43
      },
      "kind": "list",
      "text": "Real Estate Focus: Loan portfolio is over 75% secured by real estate with strong LTVs",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "8e00f3df-0efa-4327-8415-4f78d018849f",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.15,
        "w": 0.9,
        "x": 0.05,
        "y": 0.25
      },
      "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 nation during past recessions",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "b9974788-d6d4-4cc0-af20-3aa3fa6a25c0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.03,
        "w": 0.6,
        "x": 0.2,
        "y": 0.95
      },
      "kind": "source-note",
      "text": "* Data for total mainland consumer loan portfolio, including auto, home improvement and unsecured.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "4b05e39a-5893-4df8-a143-dfb2b004b0fc",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.1,
        "w": 0.6,
        "x": 0.05,
        "y": 0.05
      },
      "kind": "title",
      "text": "Strong Credit Profile to Weather a Recession",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f2b40f13-77ba-434c-bc4f-327ad460efd1",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [
    {
      "name": "List presentation",
      "slug": "list-presentation",
      "agent": null,
      "layer": "slide",
      "matchId": "dac6c0a0-7bec-46a5-80af-473f5c98f62c",
      "evidence": "list/bullet: Managed Mainland Consumer Risk, Majority of Loans in Hawaii, Conservative Underwriting, Real Estate Focus",
      "confidence": 0.7
    }
  ],
  "frameworks": [],
  "arcBeats": [
    {
      "to": 11,
      "from": 4,
      "beatId": "9353ea46-931a-43ff-b8b2-8059a85360c7",
      "arcName": "The Sparkline",
      "arcSlug": "sparkline",
      "beatName": "KPI Overview",
      "beatSlug": null,
      "evidence": "Multiple slides provide an overview of the company's KPIs.",
      "position": 1,
      "confidence": 0.8,
      "parentBeatName": null,
      "parentBeatSlug": null
    },
    {
      "to": 8,
      "from": 3,
      "beatId": "98e50e2a-30aa-4a38-a84b-235f97359045",
      "arcName": "The Sparkline",
      "arcSlug": "sparkline",
      "beatName": "Key Messages",
      "beatSlug": null,
      "evidence": "Slides focus on key messages about the company's position and performance.",
      "position": 2,
      "confidence": 0.8,
      "parentBeatName": null,
      "parentBeatSlug": null
    }
  ],
  "loops": [
    {
      "to": 8,
      "from": 8,
      "name": "Cost Of Inaction",
      "slug": "27-cost-of-inaction",
      "bestFor": "Urgent budget requests, compliance, risk mitigation",
      "matchId": "59761c57-0f48-4b11-bb5c-f079f17ef2d1",
      "evidence": "The slide on strong credit profile implies a cost of inaction for not having such a profile.",
      "position": 0,
      "objective": "What if we don't have a strong credit profile?",
      "structure": "The Status Quo -> The Hidden Costs Accumulating -> The Future State of Inaction -> The Tipping Point",
      "confidence": 0.6,
      "description": "Quantify what happens if the audience does nothing"
    },
    {
      "to": 11,
      "from": 4,
      "name": "Mece Breakdown",
      "slug": "40-mece-breakdown",
      "bestFor": "Problem structuring, ensuring completeness, strategic analysis",
      "matchId": "03a8bc66-0b74-4212-9498-90ae0acc6551",
      "evidence": "The multiple KPI overview slides provide a breakdown of financial metrics.",
      "position": 1,
      "objective": "How do the different financial metrics contribute to the overall performance?",
      "structure": "The Whole -> Category A (distinct) -> Category B (distinct) -> Category C (distinct) -> Complete Coverage",
      "confidence": 0.6,
      "description": "Divide a complex topic into mutually exclusive, collectively exhaustive categories"
    }
  ],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}