Yinson Annual Report 2020

285 Annual Report 2020 32. Loans and borrowings (continued) Group Company 2020 2019 2020 2019 RM’000 RM’000 RM’000 RM’000 Total borrowings Term loans 3,722,647 2,976,313 - - Revolving credits 107,756 172,042 57,392 45,845 3,830,403 3,148,355 57,392 45,845 Obligations under finance leases (Note 33(c)) - 1,375 - 22 Total loans and borrowings 3,830,403 3,149,730 57,392 45,867 (a) The secured loans and borrowings of the Group and of the Company are secured by certain assets of the Group as disclosed in Notes 16, 17 and 26. (b) All unsecured loans and borrowings of the subsidiaries are guaranteed by the Company. (c) The revolving credits bear floating interest rate at range of 3.30% to 5.17% (2019: 4.14% to 5.49%) per annum. (d) The term loans bear floating interest rate at range of 4.57% to 6.46% (2019: 5.64% to 5.99%) per annum.