1-year T-bill
BY16100F
Auctioned 27 Apr 2016 · Issued 03 May 2016 · Matures 01 May 2017
Cutoff yield
1.00%
Median yield: 0.84%
Auction details
- Bid-to-cover:
- 1.79 (S$1.79 in bids for every S$1 of issue size)
- Amount issued:
- S$4.5B
- Tenor:
- 1-year
1-year cutoff yield history
This auction in context
- Yield change: The 1.00% cutoff is 28 bp lower than the previous 1-year auction (BY15101S, 1.28% on 28 Oct 2015).
Descriptive observations from MAS auction history — not forecasts or recommendations.
How this auction worked
MAS runs a uniform-price auction: every successful bidder — competitive or non-competitive — pays the cutoff yield. The cutoff is the highest yield accepted to fill the issue size; the median is the middle of all submitted bids, useful as a sanity check on whether the cutoff was pulled up by a few aggressive bids. A bid-to-cover ratio above 2.0 generally signals strong demand.
Frequently asked questions
- When does BY16100F mature?
- BY16100F matures on 01 May 2017. T-bills are zero-coupon: you pay below face value at issue and receive the full S$1,000 per bill at maturity.
- What was the bid-to-cover ratio for BY16100F?
- BY16100F had a bid-to-cover ratio of 1.79 — investors submitted S$1.79 in bids for every S$1 of issue size. Ratios above 2.0 typically indicate moderate demand.
- How does BY16100F's cutoff yield compare to recent 1-year T-bill auctions?
- BY16100F's 1.00% cutoff is down 28 bp from the previous 1-year auction. Recent cutoffs: 1.28% (BY15101S, 28 Oct 2015), 0.99% (BY15100Z, 28 Apr 2015), 0.39% (BY14101H, 29 Oct 2014).
- How does BY16100F's cutoff yield compare to the current SSB?
- BY16100F cleared at 1.00%, 46 bp lower than the latest SSB year-1 rate of 1.46% (GX26060N). The T-bill locks funds for the full 1-year; the SSB year-1 rate applies for one year then steps up annually toward the 10-year average of 2.11%.
- What was BY16100F's cutoff vs median yield spread?
- BY16100F cleared at a cutoff of 1.00% versus a median of 0.84% — a 16 bp spread. A wide spread — the cutoff was pulled up by aggressive bids well above the typical submission.
- Can I buy BY16100F with CPF?
- T-bills are CPFIS-OA and CPFIS-SA eligible — you can fund the purchase from your CPF Ordinary Account or Special Account via your bank's CPFIS portal. There are bank-specific fees and a "dead-money" gap to watch. See /learn/how-to-buy-t-bills-with-cpf/ for the full mechanics.
Learn more
- Singapore T-bill auctions explained — competitive vs non-competitive bids, cutoff yield, bid-to-cover.
- How to buy T-bills with CPF — CPFIS-OA flow, bank cutoffs, and the dead-money gotcha.
- SSB vs T-bill — when each one fits, and the 30 bps spread heuristic.