20. OTHER FINANCIAL ASSETS AND FINANCIAL LIABILITIES (CONT'D.) (c) Interest-bearing loans and borrowings (cont'd.) More than More than More than More than 1 year 2 years 3 years 4 years More Within and within and within and within and within than 1 year 2 years 3 years 4 years 5 years 5 years Total At 31 December 2020 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 RM'000 Group Fixed rate Term loans 1,070,032 1,652,809 980,424 1,024,157 1,039,984 4,596,254 10,363,660 Lease liabilities 184,601 106,504 28,661 6,264 6,053 17,150 349,233 1,254,633 1,759,313 1,009,085 1,030,421 1,046,037 4,613,404 10,712,893 Floating rate Term loans 408,467 204,856 217,493 225,423 388,273 647,820 2,092,332 Revolving credits 342,423 292,738 – – – – 635,161 750,890 497,594 217,493 225,423 388,273 647,820 2,727,493 Total borrowings 2,005,523 2,256,907 1,226,578 1,255,844 1,434,310 5,261,224 13,440,386 Corporation Fixed rate Loans from subsidiaries 167,548 – – – – – 167,548 Lease liabilities 14,384 14,896 547 94 – – 29,921 181,932 14,896 547 94 – – 197,469 Floating rate Revolving credits 342,423 – – – – – 342,423 Loans from subsidiaries 59,323 625,522 – – – – 684,845 401,746 625,522 – – – – 1,027,268 Total borrowings 583,678 640,418 547 94 – – 1,224,737 20. OTHER FINANCIAL ASSETS AND FINANCIAL LIABILITIES (CONT'D.) (d) Finance lease receivables Finance lease receivables represent lease rental and interest receivable due from customers in relation to the lease of ships and offshore floating assets by the Group and the Corporation. The following table sets out maturity analysis of lease receivables, showing undiscounted lease payments to be received after the reporting date. Group Corporation 2021 2020 2021 2020 RM’000 RM’000 RM’000 RM’000 Less than 1 year 2,414,791 2,180,922 151,589 146,305 1 to 2 years 2,415,698 2,025,787 151,589 146,305 2 to 3 years 2,358,918 2,042,492 152,005 146,305 3 to 4 years 2,280,924 1,972,797 151,589 146,706 4 to 5 years 2,247,488 1,885,547 133,507 146,305 More than 5 years 12,127,823 10,798,036 632,841 739,634 Total undiscounted lease payments 23,845,642 20,905,581 1,373,120 1,471,560 Unearned interest income (6,998,757) (5,804,875) (413,408) (469,788) Net investment in lease 16,846,885 15,100,706 959,712 1,001,772 The following table sets out maturity analysis of the present value of lease receivables, showing the discounted lease payments to be received after the reporting date. Group Corporation 2021 2020 2021 2020 RM’000 RM’000 RM’000 RM’000 Less than 1 year 1,347,489 1,282,856 84,161 75,514 1 to 2 years 1,433,457 1,201,506 90,528 81,227 2 to 3 years 1,468,415 1,291,937 97,816 87,372 3 to 4 years 1,481,965 1,301,989 104,778 94,406 4 to 5 years 1,539,874 1,293,091 91,313 101,126 More than 5 years 9,575,685 8,729,327 491,116 562,127 16,846,885 15,100,706 959,712 1,001,772 Less: Impairment (59,879) (63,335) (5,516) (6,512) 16,787,006 15,037,371 954,196 995,260 NOTES TO THE FINANCIAL STATEMENTS 31 December 2021 NOTES TO THE FINANCIAL STATEMENTS 31 December 2021 MISC Berhad 388 Integrated Annual Report 2021 MISC Berhad Integrated Annual Report 2021 389 FINANCIAL STATEMENTS FINANCIAL STATEMENTS
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