Financial Statements Notes to the Financial Statements 17. 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’mil 2024 Secured bank loans EUR Euribor(1) + 1% to 1.4%, Euribor(1) + 1%, no less than 3% 2030 – 2034 155 Secured bank loans MKD Euribor(1) + 2.7%, no less than 4% 2025 4 Secured bank loans INR MCLR(2) + 0.0% to 1%, or the rate as may be mutually agreed 2025 – 2030 225 Secured bank loans INR 3 months T-bill + 1.98% to 2.10%, or the rate as may be mutually agreed 2026 – 2029 37 Secured bank loans INR REPO Rate(7) + 1.9% to 2.4%, or the rate as may be mutually agreed 2026 – 2030 103 Secured bank loans MKD NBMRIR(3) + 2.05% 2029 9 Secured bank loans MYR COF(8) + 0.42% 2026 327 Secured bank loans MKD 5.54% 2029 15 Secured bank loans RMB PBC LPR(5) + 0.2% to 1.8% 2025 – 2028 674 Secured loans from corporates INR 7.0% to 10.25% 2025 – 2029 6 Secured loans from corporates MYR 2.35% to 3.05% 2025 – 2027 24 Secured redeemable non-convertible debentures INR MIFOR(13) + 1.92% 2029 819 Unsecured bank loans EUR Euribor(1) + 0.38% to 1.5% 2025 – 2033 210 Unsecured bank loans HKD HIBOR(6) + 0.60% to 1.07% 2025 – 2026 1,962 Unsecured bank loans JPY COF(8) 2025 59 Unsecured bank loans JPY TONA(12) + 0.34% to 0.5% 2026 – 2031 1,533 Unsecured bank loans SGD SORA(9) + 0.54% to 0.68% 2026 – 2028 824 Unsecured bank loans RMB 2.55% to 3.05% 2025 70 Unsecured bank loans RMB 0.00% 2025 5 Unsecured bank loans TRY 26.93% 2025 426 Unsecured fixed rate medium term notes JPY 0.51% to 1.28% 2027 – 2030 510 Unsecured floating rate medium term notes MYR KLIBOR(14) + 0.27% to 0.67% 2025 – 2027 2,097 Unsecured floating rate medium term notes MYR COF(8) + 0.37% to 0.47% 2025 – 2027 1,896 Unsecured loans from corporates HKD HIBOR(6) + 1.30% 2026 – 2029 934 Unsecured loans from corporates AED 0.00% 2026 1 Unsecured loans from corporates USD 6.00% 2025 1 12,926 1 Euro Interbank Offer 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 Singapore Swap Offered Rate 11 Tokyo Interbank Offered Rate 12 Tokyo Overnight Average 13 Mumbai Interbank Forward Offer Rate 14 Kuala Lumpur Interbank Offered Rate IHH Healthcare Berhad | Annual Report 2024 166
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