Continuously Transforming for the Best Performance The ongoing transformation at PT Bank Pembangunan Daerah Jawa Barat dan Banten, Tbk. (hereinafter referred to as bank bjb or the Company), especially through loan expansion strategies, increasing third parties funds and transforming digital services, performed excellent results in 2022. The loan expansion strategy was focused on Consumer Loans, Retail Loans and house ownership loan. Increasing third parties funds emphasized increasing bank bjb market share and positioning through the development and improvement of the quality of products and services based on customer centric and digital. Digital service transformation was realized by proactively applying the latest technology to support the development of one stop solution products and services. Going forward, bank bjb continued to be committed to providing the best contribution to encourage economic growth and development to create a prosperous society.