PT Bank Negara Indonesia (Persero) Tbk (BNI) is offering the government-issued ST017 Savings Sukuk through its wondr by BNI mobile banking application, with minimum annual returns of 6.95% for the two-year series and 7.05% for the four-year series (06/11).

The offering period runs until December 2, 2026, providing the public with access to the final retail government securities issuance scheduled for 2026.

BNI Opens ST017 Retail Sukuk Investment Through wondr by BNI

The ST017 Savings Sukuk is a Sharia-compliant investment instrument issued by the Indonesian government. It is available in two series: ST017T2, with a two-year maturity, and ST017T4, with a four-year maturity.

BNI has made both investment options available through wondr by BNI, allowing customers to place investment orders digitally during the offering period.

According to BNI SEVP of Wealth Management Steven Suryana, ST017 represents the final opportunity this year for the public to start or continue investing in retail government securities through the primary market.

ST017 Offers Minimum Annual Returns of Up to 7.05%

The two ST017 series offer different minimum annual returns based on their investment periods. ST017T2 provides a minimum annual return of 6.95%, equivalent to the Bank Indonesia (BI) Rate plus a spread of 1.20%.

Meanwhile, ST017T4 offers a minimum annual return of 7.05%, calculated as the BI Rate plus a spread of 1.30%. Both investment options are subject to a 10% tax.

ST017 applies a floating-with-floor return mechanism linked to the BI Rate. This means returns can increase when the BI Rate rises, in accordance with the scheduled adjustments.

However, if the BI Rate decreases, the returns will not fall below the minimum rates established at the beginning of the offering period. Adjustments to the returns are made every three months.

The investment also provides monthly return payments to customers.

"ST017 can be one of the investment options for customers, with returns paid every month. BNI also continues to optimize its digital services to make the investment process increasingly convenient," Steven said in a written statement.

How to Invest in ST017 Through wondr by BNI

Customers can purchase ST017 through the wondr by BNI application during the November 6 to December 2, 2026 offering period. Before placing an order, customers must ensure that they have installed the latest application version and activated their personal information and investment accounts.

Customers can then select either ST017T2 or ST017T4 according to their respective needs and financial objectives.

The application is available through the Apple App Store and Google Play Store. Further information about wondr by BNI services is available at wondr.bni.co.id .

BNI continues to expand public access to various investment instruments through its digital services. The initiative is part of the bank's efforts to improve financial literacy and inclusion by helping more people understand and access investment products that match their financial needs and objectives.

As a state-owned enterprise within the Danantara Indonesia ecosystem, BNI continues to strengthen its financial services transformation and digital capabilities to expand public access to banking and financial products.

As it enters its eighth decade of operations, BNI continues to develop services in response to changing public needs, including broader digital access to investment instruments, guided by its Swadharma Bhakti Nagara and Melayani Sepenuh Hati principles.

PHOTO: BNI

This article was created with AI assistance.

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