PRG Holdings Berhad Annual Report 2020

25. BORROWINGS (continued) (b) The currency exposure profile of borrowings are as follows: Group Company 2020 2019 2020 2019 RM’000 RM’000 RM’000 RM’000 Ringgit Malaysia 59,118 21,575 - - United States Dollar 226 123 - - Hong Kong Dollar - 8,411 - 8,411 Singapore Dollar 1,874 2,890 - - 61,218 32,999 - 8,411 (c) The borrowings of the Group and of the Company bear the following interest rates per annum: Group Company 2020 2019 2020 2019 % % % % Term loans 3.25 - 7.50 4.97 - 7.50 - 6.0 Trade bills 2.10 - 7.00 3.80 - 7.00 - - Bank overdraft 7.39 - 7.64 8.89 - - (d) Information on financial risks of borrowings and its remaining maturity is disclosed in Note 39 to the financial statements. 26. TRADE AND OTHER PAYABLES Group Company 2020 2019 2020 2019 Note RM’000 RM’000 RM’000 RM’000 Non-current Other payables (c) 11,314 11,314 - - Accruals (d) 726 676 - - 12,040 11,990 - - Current Trade payables Third parties 40,469 35,090 - - Retention sums 4,088 4,294 - - Amounts owing to associates 1,944 2,053 - - (a) 46,501 41,437 - - Annual Report 2020 153 Notes to the Financial Statements 31 December 2020 cont’d