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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 18 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2023-04-01 00:00:00",
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      "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",
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      "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",
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      "text": "Real Estate Focus: Loan portfolio is over 76% secured by real estate; Weighted average LTVs of 65% for Residential Mortgage, 61% for Home Equity and 60% for Commercial Mortgage",
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      "text": "Managed Risk Exposure*: Total Construction portfolio $181MM or 3% of total loans; Total CRE-Office portfolio $194MM or 4% of total loans; Total Mainland Consumer portfolio $429MM or 8% of total loans; Mainland consumer unsecured purchases on hold",
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      "text": "* Data as of March 31, 2023.",
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      "text": "Strong Credit Profile to Weather a Recession",
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