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  "documentTitle": "First Republic Bank | Results Presentation Deck | 50 slides",
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  "authorName": "First Republic Bank",
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  "presentationDate": "2023-01-01 00:00:00",
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  "notes": "The slide emphasizes long-term employee retention as a core cultural and operational strength.",
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      "text": "Fully 90% of all loans, since our founding in 1985, originated by bankers still with First Republic (1)",
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      "text": "Stability of people is integral to high-touch, consistent relationship banking model. Culture results in higher workforce retention rate, key to client service excellence. Credit quality is a cultural cornerstone. Senior Credit Committee chaired by founder.",
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      "text": "(1) As of December 31, 2022. (2) Excluding PPP loans. (3) Includes loss experience on loans retained by Bank of America. See slide 9.",
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      "text": "Since 1985, $455 billion in loans originated, with only 8 bps cumulative total net losses",
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      "text": "Consistency – Low Banker Turnover",
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