Annual Report 2025

Sunny Optical Technology (Group) Company Limited • ANNUAL REPORT 2025 280 Notes to the Consolidated Financial Statements 綜合財務報表附註 FOR THE YEAR ENDED 31 DECEMBER 2025 截至二零二五年十二月三十一日止年度 30. 銀行借貸（續） 本集團的銀行借貸風險如下： 本集團銀行借貸的實際年利率（相等於合約 利率）範圍如下： 於二零二五年十二月三十一日的可變利率 借貸以美元（二零二四年：美元及人民幣） 計值，其浮動利率按有擔保隔夜融資利率 （「 有擔保隔夜融資利率 」）（二零二四年：有 擔保隔夜融資利率及貸款市場報價利率）計 算。 30. BANK BORROWINGS (Continued) The exposure of the Group’s bank borrowings are as follows: 31/12/2025 31/12/2024 二零二五年 十二月三十一日 二零二四年 十二月三十一日 RMB’000 RMB’000 人民幣千元 人民幣千元 Fixed-rate borrowings 固定利率借貸 1,235,780 1,082,278 Variable-rate borrowings 可變利率借貸 1,939,949 1,875,892 3,175,729 2,958,170 The range of effective interest rates per annum (which are equal to contractual interest rates) on the Group’s bank borrowings are as follows: Year ended 31/12/2025 Year ended 31/12/2024 截至二零二五年 十二月三十一日 止年度 截至二零二四年 十二月三十一日 止年度 Fixed-rate borrowings 固定利率借貸 2.70% to 3.05% 1.99% to 4.00% 2.70% 至 3.05% 1.99% 至 4.00% Variable-rate borrowings 可變利率借貸 3.43% to 4.83% 2.36% to 5.50% 3.43% 至 4.83% 2.36% 至 5.50% The variable-rate borrowings as at 31 December 2025 were denominated in USD (2024: USD and RMB) which carried the floating-rates at Secured Overnight Financing Rate (“ SOFR ”) (2024: SOFR and Loan Prime Rate).