ST015

Limited Offer!

The Government of Indonesia is issuing the ST015 Savings Sukuk (SBN), available in two series: ST015-T2 with a 2-year tenor and ST015-T4 with a 4-year tenor within the same offering period. Choose your preferred tenor and make your purchase now to enjoy cashback of up to 0.20% on your investment.

Purchase easily via the M2U ID App or visit your nearest Maybank branch!

ST015 Program Details:

Issuer	Government of the Republic of Indonesia through SBSN Indonesia
Series	ST015-T2 dan ST015-T4
Investor	Indonesia Citizens
Offering Period:	10 November – 3 December 2025 (As long as the national quota is available)
Form	Non-physical (scripless), non-tradable, non-transferable, and non-redeemable until maturity except during the early redemption period.
Contract Type	Wakalah
Issue Date	8 December 2025
Settlement Date	10 December 2025
Maturity	ST015-T2: 10 November 2027 ST015-T4: 10 November 2029
Face Value per Unit	IDR 1,000,000 per unit
Min Order	IDR 1,000,000
Max Order	ST015-T2: IDR 5,000,000,000 ST015-T4: IDR 10,000,000,000
Coupon Type	Floating with floor (floating yield with a minimum floor)
Coupon Rate	ST015-T2: 5.2% per annum ST015-T4: 5.45% per annum
First Coupon Date	10 January 2026
Coupon Accrual Dates	11 Feb, 11 May, 11 Aug, 11 Nov each year
Coupon Payment Dates	10th of every month. If the date falls on a non-business day, payment will be made on the next business day without additional interest. Business days are days when Bank Indonesia’s payment system operates.
Coupon Adjustment Period	3 business days before the start of the coupon period
Early Redemption Submission Period	ST015-T2: Mon, 26 Oct 2026 (09:00 WIB) – Tue, 3 Nov 2026 (10:00 WIB) ST015-T4: Mon, 25 Oct 2027 (09:00 WIB) – Wed, 3 Nov 2027 (10:00 WIB)
Early Redemption Settlement	ST015-T2: 10 November 2026 ST015-T4: 10 November 2027
Coupon and Principal Paying Agent	Bank Indonesia

Enjoy cashback program of up to 0.15% during the offer period!

Cashback of up to 0.15% on invested funds will be given as follows:

Series	Cashback
ST015-T2	0,10%
ST015-T4	0,15%

Customers are entitled to receive cashback if they make a purchase with a minimum deposit of IDR100 million.
The source of funds for the purchase does not requeired new funds (no fresh fund needed)
Cashback will be credited to the Customer's source of purchase account no later than 31 December 2025
PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program in advance; to vary, remove, or add any of the terms and conditions at its sole discretion, which will be communicated through the Maybank website at www.maybank.co.id

Cashback simulation of up to IDR20 million.

Get 0. 15 % cashback, up to a maximum of IDR20 million during the offer period

Series	Max Order	Cashback Reguler
ST015-T2	Rp5.000.000.000,-	Rp5.000.000,-
ST015-T4	Rp10.000.000.000,-	Rp15.000.000,-
Max cashback		Rp20.000.000,-

Enjoy safe investments with multiple benefits through Maybank Indonesia. Learn more about the ST015 Sukuk Tabungan offer before investing. ST015 is not a banking product issued by Maybank Indonesia. Maybank Indonesia is an authorized distribution partner of Savings Sukuk appointed by the Ministry of Finance of the Republic of Indonesia.

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Easy Guide to Ordering ST015 via M2U ID App

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