Djarum Group Annual Report Full //top\\ | AUTHENTIC 2027 |

The Djarum Group also maintains significant footprints in real estate and palm oil, managed through various private holdings and joint ventures.

The Djarum Group operates as a decentralized conglomerate. Wealth management and ultimate control rest with the corporate vehicles owned by Budi and Michael Hartono.

Maintains a Non-Performing Loan (NPL) ratio well below the Indonesian banking industry average, reflecting the group's conservative risk management. Strategic Role djarum group annual report full

The Djarum Group operates a diverse portfolio of businesses, including:

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Private cigarette operations grew net sales by in 2024, with total assets increasing by 13.81% .

The BCA annual report confirms the group's stability. As the sole banking anchor for the conglomerate, BCA provides the dry powder for all of Djarum's expansionist ventures. The Djarum Group also maintains significant footprints in

Unlike publicly listed companies on the Indonesia Stock Exchange (IDX), Djarum Group does not release a consolidated, publicly accessible annual report in the traditional regulatory sense. However, a "full" analysis can be constructed through a holistic review of its major subsidiaries' reports—most notably Bank Central Asia (BCA),Polytron, and the Djarum Foundation’s sustainability reports.