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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 21 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-01-01 00:00:00",
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  "notes": "The chart illustrates the bank's ability to maintain lower deposit costs than peers during interest rate cycles.",
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      "text": "High valued deposit franchise with proven history of funding cost advantage",
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      "kind": "chart",
      "text": "Total Deposit Cost",
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      "text": "CPF, Peer average, Fed Funds",
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      "text": "Cycle-to-date total deposit beta of 23% as of 4Q23. 91 bps funding advantage",
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      "text": "* Public banks $3-10 billion in total assets as of 3Q23. Source: S&P Global.",
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      "text": "CPF Deposit Cost Advantage",
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      "evidence": "Slides 5-15 provide detailed financial information, including loan portfolio, deposits, credit risk management, and capital",
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