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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 15 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2023-01-01 00:00:00",
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      "kind": "list",
      "text": "Limiting Exposure: Out of abundance of caution, new home improvement and unsecured consumer purchases have ceased during the 4Q 2022",
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      "text": "Managed Losses: Loans are underwritten based on stressed losses at approximately 3 times current loss levels; In the Great Financial Crisis, industry wide consumer loan loss rates peaked at ~1.6% in 2009*",
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      "text": "Strong Credit Criteria: Purchases adhere to CPF’s strong credit criteria; Weighted average credit scores at origination 740+ FICO",
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      "text": "Diversified: Portfolio consists of Auto ($136MM, 30%) Home Improvement ($133MM, 30%) and Unsecured ($183MM, 40%); Home improvement: borrowers are homeowners who are shown to have better credit risk; majority are solar PV loans with ability to turn service off; YTD 12/31/22 NCO %: Auto 0.35%, Home Improvement 0.84%, Unsecured 1.07%; Loans are geographically diversified and granular with average loan amounts of ~$12K for unsecured",
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      "text": "* Seasonally adjusted non-credit card consumer loan charge-off rate for U.S. commercial banks excluding the top 100 largest asset banks. Source: federalreserve.gov",
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