PT Djarum is a premier producer of clove cigarettes, utilizing a mix of high-quality tobacco and Indonesian cloves.

As disclosed in the most recent public fiscal cycles, BCA has consistently broken profitability records across Southeast Asian banking networks.

As the Group’s flagship public entity, BCA provides the most transparent view of the family's business health. Net Profit : BCA and its subsidiaries recorded a net profit of Rp54.8 trillion ($3.5B+) in 2024, a 12.7% year-on-year (YoY) increase. Loan Growth : Total loans reached Rp922 trillion by December 2024, up 13.8% YoY. Asset Quality : The Loan at Risk (LAR) ratio improved significantly to in 2024 from 6.9% in 2023. 2025 Outlook

Because the core holdings of the Djarum Group are privately held, there is no single, publicly available "Djarum Group Annual Report Full" document. Instead, understanding the financial health and strategic direction of the group requires analyzing the public annual reports of its individual subsidiaries and listed entities.

Leveraging Tiket.com, the group dominates the digital travel agency segment in Indonesia. C. Agribusiness (Makin Group)

Since there is no "master" annual report for the entire Djarum Group, you should aggregate reports from these specific entities:

billion, the Hartono family continues to solidify its position as the wealthiest in Southeast Asia. This article provides a comprehensive overview of the , highlighting its key pillars, financial highlights from major subsidiaries, and future strategic direction.

The Djarum Group is one of Indonesia’s most powerful and diversified conglomerates. While many know it for its dominance in the tobacco industry, the group’s true weight lies in its massive presence across banking, digital technology, and consumer goods.

Premium grocery chain driving high-frequency offline transactions. Financial Path to Profitability