{
  "docId": "019de077-485a-72b8-ab51-d6331ef2df6d",
  "docSlug": "585c9ee86e466fce23f1e595260eeff1",
  "documentTitle": "Pathward Financial | Investor Presentation Deck | 43 slides",
  "authorId": "pathward-financial",
  "authorName": "Pathward",
  "documentKindSlug": "conference-presentation",
  "documentKindLabel": "Conference presentation",
  "sourceTypeSlug": "investor_relations",
  "sourceTypeLabel": "Investor relations",
  "presentationDate": "2024-10-01 00:00:00",
  "orientation": "landscape",
  "aspectRatio": 1.7777778,
  "pageNumber": 26,
  "pageCount": 43,
  "prevPage": 25,
  "nextPage": 27,
  "slideType": "kpi_overview",
  "function": "analyze_data",
  "density": "dense",
  "nDataPoints": 3,
  "notes": "The chart illustrates the correlation between interest rates and deposit costs, highlighting the impact of variable card processing expenses.",
  "elementsJson": null,
  "metadataConfidence": 1,
  "imagePath": null,
  "slideHref": "/slides/019de077-485a-72b8-ab51-d6331ef2df6d/26",
  "deckHref": "/decks/019de077-485a-72b8-ab51-d6331ef2df6d",
  "deckJsonHref": "/decks/019de077-485a-72b8-ab51-d6331ef2df6d.json",
  "deckAnchorHref": "/decks/019de077-485a-72b8-ab51-d6331ef2df6d#slide-26",
  "components": [
    {
      "bbox": {
        "h": 0.72,
        "w": 0.544,
        "x": 0.024,
        "y": 0.139
      },
      "kind": "chart",
      "text": "Line chart showing All-in Cost of Deposits, Cost of Interest Bearing Deposits, and Quarterly Average Effective Fed Funds Rate from 4Q21 to 4Q24.",
      "attrs": null,
      "subkind": "line",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "72da7bc4-0269-4248-9018-68c7f78ad642",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.55,
        "w": 0.356,
        "x": 0.62,
        "y": 0.238
      },
      "kind": "list",
      "text": "During the 2024 fiscal fourth quarter, approximately 57% of the deposit balances were subject to variable card processing expenses... These costs reprice immediately... As of September 30, 2024, Pathward also managed $202 million in off-balance sheet...",
      "attrs": null,
      "subkind": "bullet",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "4e30b9bc-e0f2-444f-af90-454dfcaa11d2",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.024,
        "w": 0.492,
        "x": 0.021,
        "y": 0.887
      },
      "kind": "source-note",
      "text": "Note: All-in Cost of Deposits represents cost of total deposits with the additional incorporation of the Company's noninterest variable card processing expenses impacted by interest rates.",
      "attrs": null,
      "subkind": null,
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "f30135d6-f786-4e07-acd7-8c395a3eaff0",
      "frameworkName": null,
      "frameworkSlug": null
    },
    {
      "bbox": {
        "h": 0.028,
        "w": 0.331,
        "x": 0.191,
        "y": 0.139
      },
      "kind": "title",
      "text": "COST OF DEPOSITS",
      "attrs": null,
      "subkind": "headline",
      "toolName": null,
      "toolSlug": null,
      "confidence": null,
      "componentId": "ff205d97-b313-4808-9b1e-744e634fadd4",
      "frameworkName": null,
      "frameworkSlug": null
    }
  ],
  "metrics": [],
  "tools": [],
  "frameworks": [],
  "arcBeats": [],
  "loops": [],
  "imagePathAlt": null,
  "thumbSrc": null,
  "thumbSrcAlt": null,
  "locked": true
}