notes to the financial statements 31 march 2025 (cont’d.) 27. Loans and borrowings GROUP COMPANY 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Non-current Secured: - Term loans 444,397 85,069 – – Current Secured: - Revolving credits 60,000 – – – - Term loans 20,415 26,585 – – - Sukuk Wakalah – 20,000 – 20,000 - Bank overdra[ 17,107 13,716 – – 97,522 60,301 – 20,000 Total loans and borrowings 541,919 145,370 – 20,000 At reporঞng date, the remaining maturiঞes of loans and borrowings are as follows: GROUP COMPANY 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Maturities of borrowings: Not later than one year 97,522 60,301 – 20,000 Later than one year and not later than two years 439,174 22,512 – – Later that two years and not later five years 5,223 60,728 – – More than five years – 1,829 – – 541,919 145,370 – 20,000 At reporঞng date, the average interest rates per annum for loans and borrowings are as follows: GROUP COMPANY 2025 % 2024 % 2025 % 2024 % Revolving credits 4.88 – 5.4 – – – Term loans 5.11 – 6.91 5.31 – 6.83 – – Sukuk Wakalah – 4.73 – 4.73 Bank overdra[ 6.20 – 7.45 7.20 – 7.45 – – The secured revolving credits, term loans and bank overdra[s are secured by: (i) Faciliঞes agreements; (ii) Legal charge over certain development properঞes and properঞes of certain subsidiary companies; (iii) Pledge of fixed deposits of the Company and of certain subsidiary companies; (iv) Corporate guarantee on principal sums plus interest thereon by the Company; (v) The Government of Malaysia/Syarikat Jamian Pembiayaan Perniagaan Berhad under Working Capital Guarantee Scheme; and (vi) A specific debenture over certain charged properঞes of subsidiaries companies. 201 MATRIX CONCEPTS HOLDINGS BERHAD INTEGRATED ANNUAL REPORT 2025 07 FINANCIAL STATEMENTS
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