167 17. LOANS AND BORROWINGS (continued) Currency Nominal interest rate Year of maturity Carrying amount Group % RM’mil 2023 Secured bank loans EUR Euribor(1) + 1.4% to 1.5% Euribor(1) + 2.7%, no less than 4% 2024 – 2030 73 Secured bank loans INR MCLR(2) + 0.0% to 2.30%, or the rate as may be mutually agreed 2024 – 2030 461 Secured bank loans INR REPO Rate(7) + 1.9% to 2.4%, or the rate as may be mutually agreed 2024 – 2030 84 Secured bank loans MKD NBMRIR(3) + 2.05% 2024 5 Secured bank loans MKD 5.54% 2024 12 Secured bank loans RMB PBC LPR(5) + 1% to 1.8% 2024 – 2028 586 Secured loans from corporates INR 7.0% to 9.05% 2024 – 2028 7 Unsecured bank loans EUR 1.85% 2024 18 Unsecured bank loans EUR Euribor(1) + 0.38% to 1.4% 2024 – 2028 332 Unsecured bank loans HKD HIBOR(6) + 0.83% to 1.07% 2024 – 2025 2,120 Unsecured bank loans JPY TIBOR(11) + 0.33% 2024 143 Unsecured bank loans JPY COF(8) 2024 44 Unsecured bank loans JPY TONA(12) + 0.34% to 0.5% 2025 – 2029 1,335 Unsecured bank loans EUR 3.95% to 4.63% 2024 410 Unsecured bank loans SGD SORA(9) + 0.54% to 0.68% 2026 – 2028 789 Unsecured bank loans RMB 3.98% 2024 13 Unsecured bank loans TRY 18.40% 2024 321 Unsecured fixed rate medium term notes JPY 0.51% to 1.28% 2027 – 2030 580 Unsecured loans from corporates HKD HIBOR(6) + 1.30% 2026 973 Unsecured loans from corporates RMB PBC interest rate(4) 2024 – 2026 4 Unsecured loans from corporates AED 0.00% 2025 1 Unsecured loans from corporates USD 6.00% 2024 1 8,312 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 The secured Indian Rupee (“INR”) denominated bank loans are secured over the assets of certain subsidiaries and associates. The secured INR denominated loans from corporates are secured over specific equipment of certain subsidiaries. The secured Macedonian Denar (“MKD”) and Euro Dollars (“EUR”) denominated bank borrowings are secured over assets of certain subsidiaries. The secured Chinese Renminbi (“RMB”) denominated bank loans are secured over medical equipment, hospital in construction and a ROU asset relating to prepaid lease for land.
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