18. LOANS AND BORROWINGS (continued) (g) The contractual interest/profit rates and interest profile of the loans and borrowings are as follows: Group 2025 2024 % % Hire purchase Fixed rates 2.31 - 3.52 2.46 - 3.52 Term loan Floating rate 5.92 6.17 Bank overdrafts Floating rates 6.67 6.70 Bankers’ acceptances Fixed rates 4.36 - 4.52 3.69 - 4.47 The exposure to interest rate risk of the Group is not significant and therefore, sensitivity analysis is not presented. (h) Maturity profile based on contractual undiscounted repayment obligations The maturity profile of loans and borrowings at the end of the reporting period based on contractual undiscounted repayment obligations is summarised in the table below: Group On demand or within one year One to five years Total RM’000 RM’000 RM’000 As at 31 August 2025 Hire purchase 662 1,669 2,331 Term loan 455 - 455 Bank overdrafts 13,950 - 13,950 Bankers’ acceptances 1,559 - 1,559 16,626 1,669 18,295 As at 31 August 2024 Hire purchase 454 1,369 1,823 Term loan 499 456 955 Bank overdrafts 158 - 158 Bankers’ acceptances 4,768 - 4,768 5,879 1,825 7,704 ANNUAL REPORT 2025 Financial Statements (conঞ nued) 133
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