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  "documentTitle": "Ready Capital | Investor Presentation Deck | 37 slides",
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  "authorName": "Ready Capital",
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  "presentationDate": "2023-11-01 00:00:00",
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      "text": "AVERAGE RISK RATING\n4.00\n3.50\n3.16\n2.91\n3.00\n2.67\n2.62\n2.66\n2.50\n2.14\n2.00\n1.67\n1.60 1.66 1.621.67\n1.921.71\n1.59\n1.41\n1.50\n1.00\n0.50\nQ3'22\nQ4'22\nQ1'23\nQ2'23\nQ3'23\n■SBC Acquired ■SBC Originated ■SBA",
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      "text": "RISK RATING DISTRIBUTION\n100%\n89%\n79%\n80%\n60%\n40%\n40%\n30%\n20%\n14%15%\n16%\n4%\n3% 4%\n3% 2%\n0%\n1 & 2\n3\n4\n5\n■SBC Acquired ■SBC Originated ■SBA",
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      "text": "READY CAPITAL.",
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      "text": "BUCKET 1:\nVery Low Risk of Loss: New origination or current with strong\ncredit metrics (LTV/DSCR/DY). No expected losses.\nBUCKET 2:\nLow Risk of Loss: Current with maturity > 6 months. Lower credit\nmetrics with possibility of inclusion on CREFC watchlist. No\nexpected losses.\nBUCKET 3:\nMedium Risk of Loss: Current with near term maturities or in\nforbearance. Loss unlikely with no specific reserves booked.\nBUCKET 4:\nHigher Risk: Loan delinquent or in maturity default. Potential\nissues with sponsor or business plans. Minimal losses possible\nand adequately reserved in current period.\nBUCKET 5:\nHighest risk: Loan in default or special servicing. Specific losses\nidentified and adequately reserved for in current period.",
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      "kind": "title",
      "text": "Loan Portfolio – Risk Rating",
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