Djarum Group Annual Report __full__ 📥

Today, Djarum Group is no longer just a leader in the kretek industry. We are an ecosystem. From finance and technology to property, sports, and renewable energy, our portfolio has diversified without ever losing sight of our core DNA: Ketekunan, Keuletan, dan Kedisiplinan (Diligence, Tenacity, Discipline). The past fiscal year tested every assumption we held about global supply chains, consumer behavior, and digital adoption. Yet, it was precisely in this uncertainty that our long-standing philosophy proved its worth. While others retreated, we invested—in people, in digital infrastructure, and in the future of Indonesian talent.

This is a conceptual piece written for the , designed to reflect the tone of a major Indonesian conglomerate: heritage-driven, forward-looking, quietly powerful, and socially committed . Title: Rooted in Heritage, Branching into the Future Section: Chairman’s Message / Group Overview djarum group annual report

Our banking arm, BCA, continued to demonstrate that trust is the ultimate currency. Our property ventures redefined urban living with sustainability at their core. And through our sports foundations—most visibly, PB Djarum—we nurtured the next generation of badminton champions, proving that excellence on the court mirrors excellence in the boardroom. This annual report is not a celebration of size. It is a testament to responsibility . Djarum Group has always believed that private enterprise must serve public good. That is why we have quietly expanded our environmental, social, and governance (ESG) initiatives—not as a compliance exercise, but as a continuation of the gotong royong (mutual cooperation) spirit that founded this company. Today, Djarum Group is no longer just a