NOTES TO THE FINANCIAL STATEMENTS 29. Borrowings (continued) Refer to the tables with the headings “Audited Financial Information” on pages 82 to 85 for details of the Group’s borrowings. 2022 2021 HK$M HK$M Long-term bank loans – unsecured Repayable within 1 year 500 5,102 Repayable between 1 and 2 years 776 – Repayable between 2 and 5 years 6,535 588 7,811 5,690 Other borrowings – unsecured Repayable within 1 year 200 3,898 Repayable between 1 and 2 years 1,099 199 Repayable between 2 and 5 years 8,660 7,619 Repayable after 5 years 5,065 7,195 15,024 18,911 Amount due within one year included under current liabilities (700) (9,000) 22,135 15,601 (a) The effective interest rates per annum (before interest rate and cross-currency swaps) at 31st December were as follows: 2022 2021 HKD USD HKD USD % % % % Long-term loans and bonds 2.3-5.7 3.5-5.2 0.8-3.6 0.8-4.4 There were no uncommitted bank loans at 31st December 2022 and 2021. Bank loans and other borrowings are repayable on various dates up to 2030 (2021: up to 2030). (b) The carrying amounts of these long-term bank loans and other borrowings (before cross-currency swaps) are denominated in the following currencies: 2022 2021 HK$M HK$M Hong Kong dollars 11,958 9,071 United States dollars 10,877 15,530 22,835 24,601 178