Investor Presentaiton
Interest Rate Sensitivity Position
BAR HARBOR
BANKSHARES
• The Bank repositioned its net interest income ("NII") sensitivity over the past year,
moving from a fairly asset sensitive position (to take advantage of the rising rate
environment) towards a more neutral position as we near the top of the rate cycle
More than $750MM in variable-rate assets
• Enhanced and expanded our use of models within the organization, strengthening
various asset/liability assumptions and testing methods
10.0%
0.0%
-10.0%
-20.0%
-200
-100
NII Impact
10.0%
0.0%
-10.0%
-20.0%
+100
+200
+300
-200
-100
EVE Impact
+100
+200
+300
As of March 31, 2023
Change in
Change
Change in
As of March 31, 2023
Change
Interest Rates
NII
Interest Rates
Economic Value of Equity
(basis points)
(%)
(basis points)
(%)
-200
-6.6%
-200
-19.8%
-100
-3.2%
-100
-7.7%
+100
1.4%
+100
2.6%
+200
2.7%
+200
3.4%
+300
4.1%
+300
3.8%
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