- 42 - - Unsecured loans with facilities of Baht 5,000 million with a local financial institution are for a period of 8 years from the first draw down with the interest rate of the maximum 6-month fixed deposit rate of an individual plus a certain margin per annum. The payment of interest is monthly whereas the principal repayment is separated into 10 semi-annually instalments, starting from May 31, 2020 (the 42nd month from the first draw down). The loans were fully drawn down. - Unsecured loans with facilities of Baht 15,000 million with four local financial institutions are for a period of 8 years from the first draw down with the interest rate of the average maximum 6-month fixed deposit rate of four commercial banks plus a certain margin per annum. The payment of interest is monthly whereas the principal repayment is separated into 10 semi-annually instalments, starting from November 30, 2020 (the 42nd month from the first draw down). The loans were fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 3,500 million with a local financial institution. The agreement is for a period of 8 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every month whereas the principal repayment is separated into 10 semi-annually instalments, starting from October 2023 (the 42nd month from the first draw down). The facility was fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 2,500 million with a local financial institution. The agreement is for a period of 7 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every 6 months whereas the principal repayment is separated into 10 semi-annually instalments, starting from March 2022. The facility was fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 3,000 million with a local financial institution. The agreement is for a period of 8 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every month whereas the principal repayment is separated into 10 semi-annually instalments, starting from December 2022. The facility was fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 1,550 million with a local financial institution. The agreement is for a period of 8 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every month whereas the principal repayment is separated into 10 semi-annually instalments, starting from October 2023 (the 42nd month from the first draw down). The facility was fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 450 million with a local financial institution. The agreement is for a period of 7 years with an interest rate at 6-month THBFIX plus a certain margin per annum. The interest will be paid every 3 months whereas the principal repayment is separated into 14 quarterly instalments, starting from April 2023. The facility was fully drawn down. - On July 1, 2019, the Company entered into the unsecured Facility Agreement of Baht 3,000 million with a local financial institution. The agreement is for a period of 8 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every month whereas the principal repayment is separated into 10 semi-annually instalments, starting from June 2023. The facility was fully drawn down. - On July 5, 2019, the Company entered into the unsecured Facility Agreement of Baht 1,000 million with a local financial institution. The agreement is for a period of 8 years with an interest rate at 6-month fixed deposit rate plus a certain margin per annum. The interest will be paid every month whereas the principal repayment is separated into 10 semi-annually instalments, starting from October 2023 (the 42nd month from the first draw down). The facility was fully drawn down. Under Facility Agreements, the Group has to comply with the covenants and conditions including the maintenance of certain financial conditions as specified in the agreements such as the maintenance of Debt to Equity Ratio and the maintenance of Debt Service Coverage Ratio. As at December 31, 2021, the Company has fully complied with such conditions. 344 IRPC PUBLIC COMPANY LIMITED 56-1 ONE REPORT 2021
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