Investor Presentaiton
BHB: Investment Summary
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BAR HARBOR
BANKSHARES
We set out to build a balanced Bank that is not reliant on any one business, with a
strong risk-focused credit culture, and a judicious approach to managing capital
through all market conditions. We intend to do this by:
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Growing market share as our customer service differentiates us from our
competition
Focusing on core earnings as we balance growth with profitability
Growing core transactional deposits over the long-term
• Adhering to a disciplined credit culture with historic low charge-off rates
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Diligently managing our interest rate sensitivity
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Expanding non-interest income as a percentage of total revenue
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Managing non-interest expenses while investing in infrastructure, digital platforms,
call center, information technology and operations
• We have a talented team and firm culture in place to carry out our strategies in all
economic environments
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