NOTES TO THE FINANCIAL STATEMENTS 20. LOANS AND BORROWINGS Note Group Company 2025 RM’000 2024 RM’000 2025 RM’000 2024 RM’000 Non-current Term loans 20.1 22,868 8,730 - - Finance lease 20.2 3,043 - - - 25,911 8,730 - - Current Term loans 20.1 3,498 4,991 - - Revolving credits 20.3 105,000 105,000 105,000 105,000 Other bank facilities 20.4 - 13,588 - - Bank overdrafts 20.5 - 1,007 - - 108,498 124,586 105,000 105,000 134,409 133,316 105,000 105,000 20.1 The term loans at the end of the reporting period bore floating interest rates ranging from 2.75% to 7.81% (2024: 2.75% to 5.60%) per annum and are secured by: (i) a first party legal charge over certain freehold land, buildings and capital work-in-progress as disclosed in Note 3 to the financial statements; (ii) a third‑party first statutory mortgage over an asset owned by a subsidiary together with assignment of all related insurance policies; (iii) a corporate guarantee of the Company and a subsidiary; and (iv) pledges over deposits with licensed banks through an execution of Memorandum of Deposit as disclosed in Note 16 to the financial statements. 20.2 The finance lease at the end of the reporting period bore fixed interest rate of 2.84% (2024: Nil) per annum and is secured by equipment as disclosed in Note 3 to the financial statements. 20.3 The revolving credits at the end of the reporting period bore floating interest rates ranging from 4.68% to 5.64% (2024: 5.00% to 5.97%) per annum and are secured by: (i) first party legal charge over Memorandum of Deposit; and (ii) Letter of Set-Off over Islamic Term Deposit-i. 20.4 Other bank facilities represented invoice financing which bore interest rates ranging from 7.31% to 7.63% per annum and were secured by: (i) Deed of Assignment of contract proceeds; (ii) first party legal charge over fixed deposits; and (iii) corporate guarantees of the Company and a wholly-owned subsidiary of the Company. DNeX INTEGRATED REPORT 2025 182 ABOUT THIS REPORT LEADERSHIP VALUE CREATION @DNeX LEADERSHIP INSIGHTS OVERVIEW OF DAGANG NeXCHANGE BERHAD
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