289 SECTION 6 FINANCIAL STATEMENTS INTEGRATED ANNUAL REPORT 2025 NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2025 24 LOANS AND BORROWINGS Group 2025 RM’000 2024 RM’000 Current Unsecured Revolving credits 127,096 249,529 Trade financing 78,721 120,762 Term loans 41,962 45,919 Fixed rate notes - 18,800 247,779 435,010 Non-current Unsecured Term loans 103,628 90,541 351,407 525,551 The Group has complied with the financial covenants of its bank loans and borrowings for the financial year ended 31 December 2025 and 31 December 2024. See Note 44 to the financial statements for further details. The remaining maturities of the loans and borrowings are as follows: Group 2025 RM’000 2024 RM’000 Within 1 year 247,779 435,010 More than 1 year and less than 2 years 39,075 54,667 More than 2 years and less than 5 years 64,553 35,874 351,407 525,551 The effective interest rates of loans and borrowings of the Group are as follows: Group 2025 % 2024 % Revolving credits 5.30 - 7.37 0.97 - 8.65 Term loans 4.05 - 8.56 5.50 - 9.46 Trade financing 4.32 - 11.50 2.60 - 7.15 Fixed rate notes - 7.00
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