Product Overview

Name and Product Type
Interest Rate Linked Investment (IRLI) is an investment product which the performance is linked to reference interest rate movement so that Customer have the opportunity to get attractive returns.

Name of Issuer
PT Bank DBS Indonesia

Product Characteristics

  • The yield can be in the form of a fixed rate that always increases from year to year (Fixed Rate Step Up).

  • The yield can also be in the form of a floating interest rate which can vary according to the reference interest rate (Floating Rate).

  • The yield is in the form of coupons which are paid periodically on certain dates.

  • The placement tenor is 1-5 years.

  • Available in USD and IDR.

  • IRLI has a callable feature, where The Bank may (but is not obliged to), at its sole discretion, redeem the IRLI at the Early Redemption Amount on the Early Redemption Date.


  • 100% Principal Protected if IRLI is held until Maturity Date.

  • Customers have the opportunity to get higher returns compared to traditional deposits.

  • Customers have the potential to get fixed and increasing coupons every year.

  • Customers have the potential to continue earning high and fixed yield in a condition where the reference interest rate is in a downward trend.

Main Risks

  • IRLI is a form of Structured Product that carries risks not normally associated with ordinary bank deposits. The Customer should therefore not treat IRLI as a substitute for ordinary savings or time deposits.

  • IRLI is meant to be held to maturity. There might be loss occurs when Customer redeem the investment before maturity date (depends on valuation from bank on early redemption date), and the Bank shall be entitled to deduct any losses that might be incurred from the redemption, as IRLI is not a transferable or negotiable instrument.

  • The Bank may, at its sole discretion, (but is not obliged to) redeem the IRLI at the Early Redemption Amount on the Early Redemption Date. If IRLI is redeem by the Bank on Early Redemption Date and the Customer reinvest the notional Principal Amount, the yield on the reinvest IRLI may be substantially less than the yield that the Customer receive from this IRLI.


Requirements & Procedures

Some requirements to be fulfilled by Customer to subscribe IRLI:

  • Customer must have account in PT Bank DBS Indonesia.

  • Customer must complete risk profile and ensure risk profile suitability with the product.



Transaction fees include Stamp Duty in accordance with the prevailing regulations.




The yield is in the form of a fixed interest rate which will increase in respect to each of the payout period (Fixed Rate Step Up).

Principal Amount USD 10,000.00
Tenor one (1) year
Payout Date semi-annually
Day Count Fraction 182 / 365
In respect of each of the 1st Payout Periods 1.50% per annum
In respect of each of the 2nd Payout Periods 1.70% per annum

Scenario 1 (Best Scenario)

  1. Payout Amount on Payout Period based on 1st Payout Rate

    • = Principal Amount × Payout Rate × Day Count Fraction

    • = USD 10,000.00 × 1.50% p.a. × 182/365

    • = USD 74.79 (Gross) = USD 59.82 (Net)

  2. Payout Amount on Payout Period based on 2nd Payout Rate

    • = Principal Amount × Payout Rate × Day Count Fraction

    • = USD 10,000.00 × 1.70% p.a. × 182/365

    • = USD 84.77 (Gross) = USD 67.82 (Net)

  3. On Maturity Date, the Customer will receive Principal Amount USD 10,000.00

Scenario 2 (Worst Scenario)

If the Customer requests for an early withdrawal of the IRLI in accordance with the early withdrawal requirements and the Bank agrees to the Customer's request, the Customer will receive an early withdrawal amount determined by the Bank. Such early withdrawal amount will usually be substantially less than 100% of the Principal Amount and in the worst-case scenario, such early withdrawal amount is zero. The Customer will not receive any quarterly payout following such early withdrawal.

Dates, rates mentioned and all calculation above are for illustration only. Those information and numbers are not the representative of the actual performance or future performance of this product.


Additional Information

Contact Us Our Relationship Manager will contact you for more further information

Visit Us Find the nearest DBS branch in your town

Service Procedure Procedure of the service and settlement of customer complaints

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