18. LOANS AND BORROWINGS (continued) (g) The contractual interest/profit rates and interest profile of the loans and borrowings are as follows: Group 2023 2022 % % Hire purchase Fixed rates 2.46 - 3.48 2.32 - 2.53 Term loans Floating rates 5.42 - 6.17 5.42 - 5.67 Bank overdrafts Floating rates 6.70 6.42 - 7.90 Bankers’ acceptances Fixed rates 3.69 - 4.47 2.13 - 3.61 The exposure to interest rate risk of the Group is not significant and therefore, sensitivity analysis is not presented. (h) Maturity profile based on contractual undiscounted repayment obligations The maturity profile of loans and borrowings at the end of the reporting period based on contractual undiscounted repayment obligations is summarised in the table below: Group On demand or within one year One to five years Over five years Total RM’000 RM’000 RM’000 RM’000 As at 31 August 2023 Hire purchase 148 477 - 625 Term loans 499 915 - 1,414 Bank overdrafts 33 - - 33 Bankers’ acceptances 6,682 - - 6,682 7,362 1,392 - 8,754 As at 31 August 2022 Hire purchase 31 39 - 70 Term loans 490 1,391 - 1,881 Bank overdrafts 6,024 - - 6,024 Bankers’ acceptances 4,411 - - 4,411 10,956 1,430 - 12,386 ANNUAL REPORT 2023 SASBADI HOLDINGS BERHAD 123 Financial Statements (continued)
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