Annual Report — Djarum Group

From tree-planting programs in Central Java to digital literacy scholarships for first-generation learners, our contributions are designed to outlast any single quarter’s profit statement. The next decade will belong to those who can honor tradition while embracing transformation. Djarum Group is building for 2075, not just 2025. Artificial intelligence, green energy, and next-generation financial services will become new pillars alongside our historic core. But the foundation remains unchanged: family values, operational excellence, and an unshakable commitment to Indonesia.

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. djarum group annual report

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 From tree-planting programs in Central Java to digital