Investor Presentaiton

Appendix: Interest Rate Risk Profile As of June 30, 2022 Net Interest Income (NII) Sensitivity Immediate Parallel Shock - Year 1 Immediate Parallel Shock - Year 2 Up 100 Up 200 14.0% Up 300 Up 100 Up 200 Up 300 14.0% 11.8% 10.0% 6.0% 10.0% 9.6% 7.6% 6.0% 2.0% 2.0% -2.0% -6.0% -2.0% (1.4%) (2.9%) (4.3%) -6.0% - Ramps Up 200 Year 1 Year 2 14.0% 10.0% 7.4% 6.0% 2.0% -2.0% -6.0% (2.1%) These estimates of changes in the Company's net interest income require us to make certain assumptions including loan- and mortgage-related investment prepayment speeds, reinvestment rates, and deposit maturities and decay rates. These assumptions are inherently uncertain and, as a result, we cannot precisely predict the impact of changes in interest rates on net interest income. Although our analysis provides an indication of our interest rate risk exposure at a particular point in time, such estimates are not intended to, and do not, provide a precise forecast of the effect of changes in market interest rates and will differ from actual results. CAMBRIDGE BANCORP 28

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