20. LOANS AND BORROWINGS (continued) The terms and conditions of outstanding loans and borrowings are as follows: Currency Nominal interest rate Year of maturity Carrying amount Group % RM’000 2023 Secured bank loans EUR Euribor(1) + 1.4% to 1.5% Euribor(1) + 2.7%, no less than 4% 2024–2030 73,017 Secured bank loans INR MCLR(2) + 0.0% to 2.30%, or the rate as may be mutually agreed 2024–2030 461,238 Secured bank loans INR REPO Rate(7) + 1.9% to 2.4%, or the rate as may be mutually agreed 2024–2030 83,817 Secured bank loans MKD NBMRIR(3) + 2.05% 2024 5,419 Secured bank loans MKD 5.54% 2024 11,856 Secured bank loans RMB PBC LPR(5) + 1% to 1.8% 2024 – 2028 585,861 Secured loans from corporates INR 7.0% to 9.05% 2024 – 2028 6,568 Unsecured bank loans EUR 1.85% 2024 17,871 Unsecured bank loans EUR Euribor(1) + 0.38% to 1.4% 2024 – 2028 331,543 Unsecured bank loans HKD HIBOR(6) + 0.83% to 1.07% 2024 – 2025 2,120,280 Unsecured bank loans JPY TIBOR(10) + 0.33% 2024 143,125 Unsecured bank loans JPY COF(8) 2024 44,223 Unsecured bank loans JPY TONA(11) + 0.34% to 0.5% 2025 – 2029 1,335,236 Unsecured bank loans EUR 3.95% to 4.63% 2024 409,940 Unsecured bank loans SGD SORA(9) + 0.54% to 0.68% 2026 – 2028 789,278 Unsecured bank loans RMB 3.98% 2024 13,086 Unsecured bank loans TRY 18.40% 2024 321,154 Unsecured fixed rate medium term notes JPY 0.51% to 1.28% 2027 – 2030 579,622 Unsecured loans from corporates HKD HIBOR(6) + 1.30% 2026 973,250 Unsecured loans from corporates RMB PBC interest rate(4) 2024 – 2026 3,446 Unsecured loans from corporates AED 0.00% 2025 766 Unsecured loans from corporates USD 6.00% 2024 791 8,311,387 1 Euro Interbank Offered Rate 2 Marginal Cost of Funds Based Lending Rate 3 National Bank of Macedonia Reference Interest Rate 4 People’s Bank of China Benchmark Loan Interest Rate 5 People’s Bank of China Loan Prime Rate 6 Hong Kong Interbank Offered Rate 7 Reserve Bank of India Offered Rate 8 Bank’s Cost of Funds 9 Singapore Overnight Rate Average 10 Tokyo Interbank Offered Rate 11 Tokyo Overnight Average Annual Report 2023 181
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