Group Overview Operation and Financial Review Financials Other Information Sustainability and Governance Indofood Agri Resources Ltd. 134 Notes to the financial statements For the financial year ended 31 December 2025 27. Interest-bearing loans and borrowings Current loans and borrowings Description of credit facilities End of availability period Amount 2025 Rp million 2024 Rp million Rupiah Subsidiaries Unsecured facility from PT Bank Mandiri (Persero) Tbk June 2026 2,249,000 2,250,000 Unsecured facility from PT Bank Central Asia Tbk March 2026 676,542 220,000 Unsecured facility from PT Bank DBS Indonesia September 2026 600,000 300,000 Unsecured facility from PT Bank SMBC Indonesia Tbk November 2026 1,271,500 1,153,000 Secured facilities from PT Bank Central Asia Tbk (1) March 2026/ September 2026 311,000 551,000 Secured facility from PT Bank DBS Indonesia (1) September 2026 700,000 689,942 Secured facility from PT Bank SMBC Indonesia Tbk (1) November 2026 680,000 680,000 Sub-total 6,488,042 5,843,942 Add: current portion of long-term loans 2,334,820 237,406 Total 8,822,862 6,081,348 (1) Secured by corporate guarantee from PT SIMP in proportion to its equity ownerships in the subsidiaries. The Group has unconditional rights to rollover and/or refinance the short-term loans as and when they fall due. The purpose of the short-term loans and borrowings are for working capital requirements. Effective interest rates The short-term loans denominated in Rupiah bear yearly interest rates ranging from 5.70% to 8.00% (2024: 5.65% to 8.00%) for the year ended 31 December 2025. Covenants The above-mentioned credit agreements obtained by the subsidiaries are subject to several negative covenants, which include among others, grant or obtain new loans without prior consent except to subsidiary companies; limit the ability as guarantor or pledge their assets to other parties except to subsidiary companies; merge or consolidate with other entity; sell or dispose-off assets and make new investments in excess of certain thresholds. Certain subsidiaries are also required to maintain certain financial ratios.
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