148 FGV HOLDINGS BERHAD NOTES TO THE FINANCIAL STATEMENTS FOR THE FINANCIAL YEAR ENDED 31 DECEMBER 2021 43 BORROWINGS (CONTINUED) The borrowings are denominated as follows: Group Company 2021 2020 2021 2020 RM’000 RM’000 RM’000 RM’000 Less than 1 year 2,330,357 2,633,582 – 75,080 Between 1 and 5 years 808,140 773,182 271,451 – More than 5 years 225,000 – 225,000 – 3,363,497 3,406,764 496,451 75,080 The borrowings are denominated as follows: Group Company 2021 2020 2021 2020 RM’000 RM’000 RM’000 RM’000 – Ringgit Malaysia 3,162,145 3,189,536 496,451 75,080 – United States Dollar 196,988 143,185 – – – Great Britain Pound – 66,800 – – – Thai Baht 4,364 7,243 – – 3,363,497 3,406,764 496,451 75,080 Effective finance rates for borrowings are as follows: Group Company Effective Effective finance rate finance rate at date of at date of statement statement of financial of financial Finance position Finance position rate per annum rate per annum % % 2021 Islamic short term trade financing Fixed 0.65 - 4.21 Fixed 2.65 - 3.83 Short term trade financing Fixed 2.30 - 6.87 – – Islamic term loans Fixed/floating 3.75 - 4.37 – – Sukuk Fixed 5.20 - 5.63 Fixed 5.20 - 5.63 2020 Islamic short term trade financing Fixed 1.90 - 4.22 Fixed 2.65 - 3.83 Short term trade financing Fixed 0.60 - 6.87 – – Islamic term loans Fixed/floating 3.75 - 5.44 – –
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