Retail Savings Bond (SBR) series 013 (SBR013) has been issued.

The government has again issued the Retail SBN Retail Savings Bond (SBR) series 013 (SBR013). The offering period runs from June 10 to July 4, 2024. There are 2 types of SBR013 that you can choose according to your financial needs, namely:

• SBR013-T2 with a 2-year tenor and a coupon of 6.45% per annum.
• SBR013-T4 with a 4-year tenor and a coupon of 6.60% per annum.

The first thing that might be a big question for investors is what SBR is. SBN Retail type SBR is one type of Government Securities (SUN) issued by the Indonesian government for individual Indonesian citizens. As the name implies, the nature of SBR is similar to savings or bank deposits because it cannot be traded in the secondary market. Because they are not traded or transferred, SBRs have a liquidity risk. If investors need cash, SBRs cannot be fully sold until the specified maturity date. However, investors can withdraw some SBR funds before maturity by utilizing the early redemption facility. The facility can be utilized by investors with some applicable conditions. SBR has an advantage in its flexibility that allows investors to invest with an affordable nominal, starting from only Rp1 million.

SBR013 Floating with Floor Coupon

SBR013 has a floating with floor coupon structure. This means that the coupon provided on SBR013 will follow changes in the benchmark interest rate, in this case the Bank Indonesia (BI) interest rate. When the BI rate rises, the coupon given on SBR013 will also rise, providing greater profit potential for investors. This demonstrates how SBR013 provides the opportunity to earn competitive returns in volatile market conditions, while still maintaining the high level of safety associated with investing in Government Securities (SUN). However, if there is a condition that causes the Bank Indonesia (BI) rate to drop. You don't need to worry because the SBR013 coupon will not fall following the BI rate. However, there is a lower limit that follows the initial SBR013 coupon size of 6.45%.

Advantages of SBR013 Investment

1. Affordable

   SBR013 provides investment opportunities to individuals with limited investment funds, allowing participation in the SBN market with an affordable nominal, starting from Rp1 million you can already place funds to invest.

2. Safe

   As part of the Government Securities (SUN), SBR013 offers a high level of security as it is guaranteed by the Indonesian government through law.

3. Early Redemption

   While SBRs are generally not tradable in the secondary market, SBR013 provides an early redemption facility that allows investors to withdraw some funds before maturity.

4. Floating with floor Coupon

   SBR013 has a unique coupon structure, which is floating with the floor. This means that the SBR013 coupon will follow changes in the Bank Indonesia (BI) interest rate, so when the BI interest rate rises, the SBR013 coupon will also rise, providing greater potential returns for investors.

5. Contributing to the Country

   In addition to getting investment benefits, you are also participating in helping the domestic economic recovery and state development through the State Budget (APBN).

SBR013 Product Details

Here are the product details of SBR013:

Details	SBR013T2	SBR013T4
Offer Period	June 10, 2024 (10:00 a.m.) to July 4, 2024 (10:00 a.m.)
Settlement	July 10, 2024
Maturity	July 10, 2026 (2-year tenor)	July 10, 2028 (4-year tenor)
Period Early Redemption	July 28, 2025 at 09:00 am to August 5, 2025 at 15.00 WIB	July 27, 2026 at 09.00 WIB to August 4, 2026 at 15.00 WIB
Nominal Value Per Unit, Minimum Order and Multiples	Rp1.000.000,-
Maximum Booking	Rp5.000.000.000,-	Rp10.000.000.000,-
Coupon Type	Floating with a minimum coupon rate (floating with floor)
Coupon Rate	6.45% per annum (BI Rate plus a set fix spread)	6.60% per annum (BI Rate plus a set fix spread)
Payment Date Coupons	10th of every month

For more information about SBR013, you can visit the page below:

Click Here

SBR013 Simulation

Simulation of SBR013T2 passive income, 2-year tenor and minimum yield of 6.45% per annum.*

Capital	Return per Month	Total Return 2 Years	Total Received
IDR 5 million	IDR 24.187,-	IDR 580.500,-	IDR 5.580.500,-
IDR 10 million	IDR 48.374,-	IDR 1.160.976,-	IDR 11.160.976,-
IDR 25 million	IDR 120,935,-	IDR 2.902.440,-	IDR 27.902.440,-
IDR 100 million	IDR 483.740,-	IDR 11.609.760,-	IDR 111.609.760,-

*Investors will be subject to final income tax of 10%.

SBR013T4 passive income simulation, 4-year tenor and min yield of 6.60% per annum.*

Capital	Return per Month	Total Return 4 Years	Total Received
IDR 5 million	IDR p24.750,-	IDR 594.000,-	IDR 5.594.000,-
IDR 10 million	IDR 49.500,-	IDR 1.188.000,-	IDR 11.188.000,-
IDR 25 million	IDR 123.750,-	IDR 2,970.000,-	IDR 27.970.000,-
IDR 100 million	IDR 495.000,-	IDR 11.188.000,-	IDR 111.188.000,-

*Investors will be subject to final income tax of 10%.

SBR013 Cashback Program

Get cashback of up to 0.20% of your total investment during the early bird period. So, if you invest Rp10 billion (SBR013-T4), you will get a cashback of Rp20 million. Take advantage of this opportunity to maximize your investment returns!

Details to get up to 0.20% cashback can be seen in the table below:

Period	SBR013T2	SBR013T4
Early Bird Cashback (June 10 - June 23, 2024)	0,15%	0,20%
Regular Cashback (June 24 - July 4, 2024)	0,10%	0,15%

How to buy SBR013 via M2U ID App

Information on how to buy SBN can be seen on the following official Maybank Indonesia youtube link:

To get SBR013 easily, follow these guidelines on how to purchase SBN via M2U ID App:

Perform SID Registration and e-SBN Registration

Complete information on SID registration and e-SBN registration via M2U ID App can be found on this page.

Start SBN Purchase

How to purchase SBN SBR013 via M2U ID App:

1. Login to the M2U ID App and click on the menu icon located at the top left corner of the account view. Next, select 'Investment & Insurance', then click the yellow '+' button.
2. Select 'SBN', then select and click the yellow '+' button for the SBN product you wish to order (SBR013). Click (i) for detailed product info.
3. Select Source of Funds from registered account.
4. Fill in the nominal value of the SBN order then click 'Next'.
5. Read and tick to agree to all terms and click 'Next'.
6. Verify your information and tick the statement box below, then click 'Confirm & Request TAC (Transaction Authorization Code)'. Next, enter your Secure2u passcode/TAC (Transaction Authorization Code) code.
7. Your SBN order is successful. Click 'Done'.

Complete information on how to purchase SBN SBR013 via M2U ID App can be found on this website page.

Benefits of SBR013 Investment via M2U ID App

You can get the following benefits when purchasing SBR013 via M2U ID App:

1. Available anytime, wherever you are. You can easily access the app anytime, even on weekends or while traveling, to make investment transactions.
2. SID and E-SBN registration, as well as SBN orders and payments can be done online. You no longer need to visit the bank office or perform time-consuming manual processes.
3. The redemption process can be done even during the early redemption period. This gives you flexibility in managing your investment, where you can partially or fully withdraw funds as needed, without having to wait for maturity.
4. M2U ID App allows you to find various features to simplify your SBN transactions, from viewing investor profiles, SBN ownership documents, monitoring bookings, to monitoring the redemption process.
5. Coupons will be disbursed directly to your SID and E-SBN registered accounts in the M2U ID App, allowing you to monitor and manage your investment returns without the hassle of manual disbursement.

Start investing and contributing to the country's development through SBR013 via M2U ID App now. It's time to participate in the convenience of investing anywhere and anytime in just one hand!