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  "documentTitle": "Central Pacific Financial | Results Presentation Deck | 20 slides",
  "authorId": "central-pacific-financial",
  "authorName": "Central Pacific Financial",
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  "presentationDate": "2024-10-01 00:00:00",
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  "nDataPoints": 15,
  "notes": "The slide uses a line chart for historical deposit cost trends and bar charts for current cost and deposit mix metrics.",
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      "kind": "callout",
      "text": "Implied Repricing Beta in Current Cycle: CPF 24%, HI Peers 32%, Nat'l Peers 40%",
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      "text": "Non-Interest Bearing Deposits to Total Deposits",
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      "kind": "list",
      "text": "CPF shown as of 3Q24. HI Peers includes BOH & FHB as of 2Q24. Nat'l Peers includes publicly traded banks with total assets of $3-10B as of 2Q24. Source: S&P Global.",
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      "text": "Low rate-sensitive, relationship-based deposit portfolio provides significant cost advantage",
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      "text": "CPF Deposit Cost Advantage",
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