Group Overview Operation and Financial Review Financials Other Information Sustainability and Governance Indofood Agri Resources Ltd. 136 Notes to the financial statements For the financial year ended 31 December 2025 27. Interest-bearing loans and borrowings (cont’d) Non-current loans and borrowings (cont’d) Effective interest rates The long-term loans denominated in Rupiah bear yearly interest rates ranging from 5.63% to 8.00% (2024: 5.85% to 8.00%) for the year ended 31 December 2025. Covenants The above-mentioned credit agreements obtained by the Group are subject to several negative covenants, which include among others, limit the ability as a guarantor or pledge their assets to other parties except to subsidiary companies; change the current course of their businesses and shareholders except public shareholders; reduce their share capital; grant or obtain new loans which would affect their ability to perform their obligations under the related credit agreements; merge or consolidate with other entity; make new investments and capital expenditures in excess of certain threshold; sell or dispose-off significant portion of their assets used in the operations in excess of certain thresholds. Certain subsidiaries are also required to maintain certain financial ratios. Compliance with loan covenants As at 31 December 2025 and 2024, the Group has complied with all of the covenants of the abovementioned long-term loans as stipulated in the respective loan agreements. A reconciliation of liabilities arising from financing activities are as follows: 31 December 2024 Rp million Cash flows Rp million Non-cash changes 31 December 2025 Rp million Amortisation of deferred charges Rp million Other Rp million Current: Interest-bearing loans and borrowings 6,081,348 644,100 – 2,097,414 8,822,862 Non-current: Interest-bearing loans and borrowings 1,689,898 784,074 1,334 (2,097,414) 377,892 Total 7,771,246 1,428,174 1,334 – 9,200,754
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