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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 19 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2023-07-01 00:00:00",
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  "notes": "The pie chart visualizes the portfolio breakdown by segment and geography.",
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      "kind": "chart",
      "text": "Consumer Loan Portfolio as of June 30, 2023 (in Millions)",
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      "text": "YTD Annualized NCO %: HI- Auto 0.3%, HI Other 0.7%, Mainland Auto 0.9%, Mainland Home Improvement 2.5%, Mainland Unsecured 3.0%",
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      "text": "Weighted average origination FICO: 742 for Hawaii Consumer, 739 for Mainland Consumer",
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      "text": "Total Hawaii Consumer $328MM / Total Mainland Consumer $386MM",
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      "text": "Home Improvement: Borrowers are homeowners who are shown to have better credit risk; majority are solar PV loans with the ability to turn service off",
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      "text": "Unsecured: Highly granular with average loan amounts of ~$13,000; Loans are underwritten based on stressed losses; overall current loss rates remain under those levels",
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