bank bjb Launches ST015 Sukuk Investment Opportunity

Competitive Returns and Flexible Tenors

bank bjb has announced the availability of ST015 Sukuk Tabungan, a government-issued investment product designed to be accessible and beneficial for the public. The offering period for ST015 runs from November 10, 2025 to December 3, 2025. Investors can choose between two available tenors: 2 years with a 5.20% annual return, and 4 years with a 5.45% annual return. The return structure is floating with a floor, providing a competitive yield in the current market environment.

Digital Investment Process

The bank has streamlined the investment process through digital channels, allowing customers to register, order, and pay for ST015 online. The process requires a Single Investor Identification (SID), a fund account number, and a securities account. After ordering, investors receive a payment code that must be settled within three hours through various payment channels including teller services, ATMs, internet banking, and mobile banking.

Early Redemption Feature

One of the key features of ST015 is the early redemption option, which provides investors with flexibility. For investors holding a minimum of Rp2 million, they can redeem up to 50% of their investment before maturity, subject to specific timelines. For the 2-year tenor (ST015T2), early redemption starts on October 26, 2026, while for the 4-year tenor (ST015T4), it begins on October 25, 2027.

Market Positioning and Investor Benefits

Corporate Secretary Herfinia emphasized that ST015 is managed with amanah (trustworthy) principles and is directly supervised by the government, making it a reliable investment instrument. The product is particularly appealing as it combines competitive returns with government backing. bank bjb, being a licensed institution supervised by both the Financial Services Authority (OJK) and Bank Indonesia (BI), and a participant in the Deposit Insurance Corporation (LPS) guarantee program, adds an additional layer of security for investors.

Promoting Financial Literacy

The launch of ST015 is part of bank bjb's broader strategy to enhance financial literacy and participation in long-term investment habits among the public. By providing an accessible and transparent investment platform, bank bjb aims to be a significant player in the country's financial development. The bank encourages investors to visit infobjb.id/sbn for more information and to participate in the ST015 offering.