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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 20 slides",
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  "authorName": "Central Pacific Financial",
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  "presentationDate": "2023-10-01 00:00:00",
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  "notes": "The slide breaks down the portfolio by geography (Hawaii vs. Mainland) and product type (Auto, Home Improvement, Unsecured, Other).",
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      "text": "Consumer Portfolio Composition as of September 30, 2023 ($ Millions)",
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      "text": "YTD Annualized NCO %: HI Auto 0.2%, HI Other 0.7%, Mainland Auto 0.9%, Mainland Home Improvement 2.5%, Mainland Unsecured 4.0%",
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      "text": "Home Improvement: Borrowers are homeowners who are shown to have better credit risk",
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