The loan agreement lists the terms under which a loan is given. The bank is the lender, and any borrowing entity--individual, partnership, company--is the borrower. The loan agreement covers many of the same terms and conditions as a promissory note, although it is longer and more complicated.
The subsidiaries remain private. They are private subsidiaries of a public company. Think about it: if a subsidiary went public, that would mean that its shares were being offered to the public, instead of all being owned by the parent company, and so it would no longer be a subsidiary.
Shareholders are always stakeholders in a corporation, but stakeholders are not always shareholders. A shareholder owns part of a public company through shares of stock (hence the name), while a stakeholder has an interest in the performance of a company for reasons other than stock performance or appreciation. Who are Stakeholders? Stakeholders can be: