NOTES TO THE FINANCIAL STATEMENTS For the Financial Year Ended 31 December 2025 (cont’d) 25. LOANS AND BORROWINGS (CONT’D) The loans and borrowings are secured by the following: (cont’d) (d) Margin financing (i) Corporate guarantee by the Company; and (ii) Pledged of other investments as disclosed in Note 11 to the financial statements. The interest rates per annum are as follows: Group Company 2025 2024 2025 2024 % % % % Term loans 4.57 - 7.70 3.74 - 15.00 4.57 - 7.70 4.34 - 7.70 Revolving credits 5.28 - 5.72 2.39 - 7.03 5.28 - 5.72 4.59 - 5.63 Block discounting 2.02 - 3.69 2.02 - 3.69 - - Sukuk wakalah 5.40 - 5.85 5.40 - 5.85 5.40 - 5.85 5.40 - 5.85 Margin financing 1.00 - 6.55 4.70 - - 26. LEASE LIABILITIES Group Company 2025 2024 2025 2024 RM’000 RM’000 RM’000 RM’000 Non-current 8,070 15,469 102 293 Current 10,697 10,328 344 384 18,767 25,797 446 677 The maturity analysis of lease liabilities at the end of the reporting period is as follows: Group Company 2025 2024 2025 2024 RM’000 RM’000 RM’000 RM’000 Within 1 year 10,754 11,485 356 406 Between 2 - 5 years 8,851 15,945 102 301 More than 5 years 226 226 - - 19,831 27,656 458 707 Less: Future finance charge (1,064) (1,859) (12) (30) Present value of lease liabilities 18,767 25,797 446 677 The Group and the Company lease various properties and motor vehicles. Lease terms are negotiated on an individual basis and contain a wide range of different terms and conditions. 258
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