SBR015

Limited Time Offer!

The Government of Indonesia is issuing the Savings Bond Ritel (SBR) series 015 (SBR015), featuring the two series: SBR015-T2 with a 2 year tenor and SBR015-T4 with a 4 year tenor both available in the same offering period. Choose your preferred tenor and make a purchase promptly to get a 0.10% cashback (max. IDR15 million) for SBR015 purchases via the M2U ID App with fresh funds added to your Maybank Savings/Current/Time Deposit accounts. Get an additional cash reward of up to 5.25% per annum by placing a minimum of IDR100 million in Maybank Savings prior to your SBR015 purchase.

Buy now via the M2U ID App or visit a Maybank branch!

SBR015 program details:

Issuer	Government of the Republic of Indonesia through the Indonesian Government Securities Issuance Corporation
Series	SBR015-T2 and SBR015-T4
Investor	Indonesian Citizens
Offer period	28 September – 22 October 2026 (While the national quota is still available)
Type of Contract	Scripless and non-tradable
Issuance date	26 October 2026
Settlement date	28 October 2026
Maturity date	SBR015-T2: 10 October 2028 (2 year tenor) SBR015-T4: 10 October 2030 (4 year tenor)
Nominal value per unit	IDR1,000,000 per unit
Min. order	IDR1,000,000
Max. order	SBR015-T2: IDR5,000,000,000 SBR015-T4: IDR10,000,000,000
Coupon type	Floating with floor
Coupon rate	SBR015-T2: 6.75% per annum SBR015-T4: 6.85% per annum
First coupon date	10 December 2026
Coupon payment date	The 10 of every month.
Coupon adjustment timing	The reference rate used on the coupon adjustment date is 3 working days prior to the effective date of the coupon period.
Early Redemption submission period	SBR015-T2: 27 October 2027 at 09:00 WIB to 4 November 2027 at 15:00 WIB SBR015-T4: 30 October 2028 at 09:00 WIB to 6 November 2028 at 15:00 WIB
Early Redemption settlement	SBR015-T2: 10 November 2027 SBR015-T4: 10 November 2028
Coupon and nominal payment agent	Bank Indonesia

Enjoy a 0.10% cashback offer:

The cashback offer applies during the SBR015 offering period. 0.10% cashback of the total placement will be rewarded as follows:

Period	Series	Cashback Value
28 September - 22 October 2026	SBR015-T2	0.10%
28 September - 22 October 2026	SBR015-T4	0.10%

Cashback Terms and Conditions:

Customers must purchase SBR015 with a minimum amount of IDR100 million (applies to all tenors).
The Customer must maintain an increase in the total balance of their Maybank Savings Accounts/Current Accounts/Time Deposits as of 22 October 2026 compared to 25 September 2026 or if there is a decrease, the allowable decrease is up to 5% or IDR 200,000, whichever is higher.
If the Customer does not yet have a Maybank Savings/Current/Deposit Account, please open one via the M2U ID App. This applies to accounts/savings/deposits under Sharia principles.
Maybank Savings Account information
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Maybank Savings Account Opening Guide
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Maybank Current Account information
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Maybank Time Deposit information
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Maybank Time Deposit Opening Guide
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Other Information:

Cashback applies to accumulated SBR015 purchase transactions made during the same period. Transaction accumulation only applies within the same tenor.
Cashback will be credited to the source-of-funds account used for the SBR015 purchase no later than 30 November 2026.
Customers remain eligible for the cashback if there is a total funds reduction of up to a maximum of 5% or IDR200,000 (which ever is higher).
If other cashback programs are running during the SBR015 Offering Period, Customers with the same CIF (Customer Information File) are eligible for 1 cashback program only.
Cash rewards will be credited to a Maybank Savings/Tabungan IB account in Indonesian Rupiah (IDR), provided the account status is active and non-dormant (a bank account with no transaction activity for 12 consecutive months since the last transaction).
PT Bank Maybank Indonesia Tbk reserves the right to cancel, postpone, extend, or terminate this program earlier, as well as vary, delete, or add to any of the terms and conditions at its absolute discretion, which will be announced via Maybank's website at www.maybank.co.id.

Simulation to Get 0.10% Cashback up to IDR 15 Million

Customer A has IDR100 million in Maybank Savings as of 25 September 2026. On 21 October 2026, Customer A transfers IDR15,010,000,000 from another bank, then purchases SBR015-T2 worth IDR5,000,000,000 and SBR015-T4 worth IDR10,000,000,000. On 22 October 2026, Customer A's remaining total funds in Maybank Savings stand at IDR110 million.

Below is the simulation breakdown:

Series	Funding as of 25 September 2026	Funding as of 22 October 2026	Max. Order	Nominal Cashback
SBR015-T2	IDR100,000,000	IDR110,000,000	IDR5,000,000,000	IDR5,000,000
SBR015-T4	IDR100,000,000	IDR110,000,000	IDR10,000,000,000	IDR10,000,000
Max. cashback amount credited to the customer's account				IDR15,000,000

Cashback calculation:

SBR015-T2 purchase: IDR5,000,000,000 x 0.10% cashback = IDR5,000,000
SBR015-T4 purchase: IDR10,000,000,000 x 0.10% cashback = IDR10,000,000
Total cashback credited to the account: IDR15,000,000

Other Simulation Examples:

No	Simulation	Result
1	Total funds 25 Sep 2026: IDR1 billion Total funds 22 Oct 2026: IDR500 million SBR015-T2 Purchase: IDR100 million	Funds reduction calculation: (IDR1 billion - IDR500 million) / IDR 1 billion = 50% Result: Customer is not eligible for cashback because the funds reduction exceeds 5% or IDR200,000.
2	Total funds 25 Sep 2026: IDR 1 million Total funds 22 Oct 2026: IDR 800 thousand SBR015-T2 Purchase: IDR 100 million	Funds reduction calculation: IDR200 thousand / IDR1 million = 20% Result: Customer remains eligible for cashback because the funds reduction meets the condition (max. IDR200,000). Cashback calculation: 0.1% x IDR100 million = IDR100,000
3	Total funds 25 Sep 2026: IDR1 billion Total funds 22 Oct 2026: IDR950 million SBR015-T2 Purchase: IDR100 million	Funds reduction calculation: IDR50 million / IDR1 billion = 5% Result: Customer remains eligible for cashback because the funds reduction meets the condition (max. 5%). Cashback calculation: 0.1% x IDR100 million = IDR100,000
4	Total funds 25 Sep 2026: IDR1 billion Total funds 22 Oct 2026: IDR950 million SBR015-T2 Purchase: IDR100 million SBR015-T4 Purchase: IDR100 million	Funds reduction calculation: IDR50 million / IDR1 billion = 5% Result: Customer remains eligible for cashback because the funds reduction meets the condition (max. 5%). Cashback calculation: SBR015-T2 Cashback: 0.1% x IDR100 million = IDR100,000 SBR015-T4 Cashback: 0.1% x IDR100 million = IDR100,000 Total cashback: IDR200,000
5	Total funds 25 Sep 2026: IDR1 billion Total funds 22 Oct 2026: IDR950 million SBR015-T2 Purchase: 28 Sep 2026: IDR10 million 2 Oct 2026: IDR10 million (Total IDR20 million)	Funds reduction calculation: IDR50 million / IDR1 billion = 5% Result: Customer is not eligible for cashback because the minimum cumulative SBR015 purchase is not met.

Enjoy a secure investment with multiple benefits and privileges through Maybank Indonesia. Please learn the Savings Bond Ritel (SBR) series 015 (SBR015) offering information prior to investing. SBR015 is not a banking product issued by Maybank Indonesia. Maybank Indonesia is one of the distribution partners for Savings Bond Ritel appointed by the Ministry of Finance of the Republic of Indonesia.

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Easy Guide to Ordering SBR015 via M2U ID App

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Special Offer

Get additional cash reward of up to 5.25% p.a!

Enjoy additional cash reward of up to 5.25% p.a. (per annum) by opening or placing funds in a Maybank Savings Account, followed by a purchase of SR025.

Learn more

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