Yinson Annual Report 2020

286 Notes to the financial statements (cont’d) For the financial year ended 31 January 2020 Yinson Holdings Berhad SECTION 7 ACCOUNTABILITY 32. Loans and borrowings (continued) The remaining maturities of the loans and borrowings as at the reporting date are as follows: Interest rate terms Denominated currency Total carrying amount On demand or within one year More than 1 year and less than 2 years More than 2 years and less than 5 years 5 years or more Group RM’000 RM’000 RM’000 RM’000 RM’000 At 31 January 2020 Secured Term loans Floating rates varies based on London Interbank Offered Rate (‘’LIBOR’’)* USD 3,721,156 368,002 407,408 2,557,094 388,652 Floating rates varies based on cost of funds (“COF”) USD 1,491 286 308 897 - Revolving credits Floating rates varies based on COF USD 412 412 - - - Floating rates varies based on COF RM 16,034 16,034 - - - Unsecured Revolving credits Floating rates varies based on Kuala Lumpur Interbank Offered Rate (“KLIBOR”) RM 50,364 50,364 - - - Floating rates varies based on COF USD 40,946 40,946 - - - 3,830,403 476,044 407,716 2,557,991 388,652