12
BORROWINGS
SCHEDULE OF BORROWINGS
| | |
2024 | | |
2025 | |
| | |
S$ | | |
S$ | |
| | |
| | |
| |
| Current | |
| | | |
| | |
| Bank loan | |
| 37,650 | | |
| 40,847 | |
| Bank loan, current | |
| 37,650 | | |
| 40,847 | |
| | |
| | | |
| | |
| Non-current | |
| | | |
| | |
| Bank loan | |
| 394,310 | | |
| 368,656 | |
| Bank loan, non-current | |
| 394,310 | | |
| 368,656 | |
| | |
| | | |
| | |
| Total | |
| 431,960 | | |
| 409,503 | |
Note:
| Bank
loan: |
Principal
amount of RM2,000,000 (equivalent to S$633,000) withdrawn from a financial institution, which is charged an effective interest rate
of 4.39% (2024: 4.53%) per annum and repayable over 180 months in equal monthly instalments of RM15,454 (equivalent to S$4,891). |
CYTOMED
THERAPEUTICS LIMITED AND SUBSIDIARIES
NOTES
TO CONSOLIDATED FINANCIAL STATEMENTS
Years
ended December 31, 2023, 2024 and 2025
12
BORROWINGS (continued)
The
exposure of the borrowing of the Group to interest rate changes and the contractual repayment dates at the balance sheet date are as
follows:
SCHEDULE OF BORROWING OF THE GROUP TO INTEREST RATE CHANGES AND CONTRACTUAL REPAYMENT DATES
| | |
2024 | | |
2025 | |
| | |
S$ | | |
S$ | |
| | |
| | |
| |
| 6 months or less | |
| 18,690 | | |
| 20,265 | |
| 6 - 12 months | |
| 18,960 | | |
| 20,582 | |
| 1 - 5 years | |
| 168,790 | | |
| 183,301 | |
| Over 5 years | |
| 225,520 | | |
| 185,355 | |
| Total | |
| 431,960 | | |
| 409,503 | |
The
loan is secured over building and freehold land (Note 7) and personal guarantees by a director.
|