From the 2024 Annual report (up to June 30 2024);12.b) iii) Interest rate sensitivity analysis
The sensitivity analyses below have been determined based on the exposure to interest rates at the reporting date and the stipulated change taking place at the beginning of the financial year and held constant throughout the reporting period. A 50-basis point increase or decrease is used because this represents management’s assessment of the possible change in interest rates. At reporting date, if interest rates had been 50 basis points higher or lower and all other variables were held constant, the Group’s net profit would increase/decrease by approximately $0.561 million (FY2023: increase/decrease by approximately $0.613 million).
So we have had a 0.25% decrease in February 2025. So in the next year this will equate to about $280k to the bottom line in FY26.
Another 0.25-0.50% predicted in a week and a half at next RBA meeting; looking at another $280k-560k to the bottom line for FY26.
Doesn't exactly move the dial a lot; but based off 1H FY25 NPAT of $16.6m another 0.5% interest rate drop would be a 4.4% increase to NPAT.
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