Commonwealth Bank, NAB, ANZ reveal $200,000 move borrowers making after RBA interest rate cuts: ‘Get ahead'
Mozo personal finance expert Rachel Wastell told Yahoo Finance keeping your repayments the same was a great way for borrowers to 'get ahead' on their loan. The biggest benefit is that it can help you pay off your loan faster and save significantly on interest, but it'll only suit those who don't need immediate cashflow relief.
'If things are tight, using an offset account can still help reduce interest while giving you flexibility if you need access to funds later,' Wastell said.
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Commonwealth Bank home buying team general manager Tess Sutherland said just one in 10 of the bank's borrowers had opted to lower their home loan repayments after the May interest rate cut, which was similar to what the bank saw after the February cut.
'It shows only a small percentage of customers are freeing up their cash, while most are maintaining higher repayments,' she said.
NAB and ANZ reported similar figures, with NAB noting more than 90 per cent kept their repayments steady after the May cut and ANZ noting 10 per cent had lowered repayments since the February cut.
Westpac is the only one of the Big Four banks that automatically drops repayments for customers paying the minimum amount. Customers of the other banks have to contact their bank if they want their direct debits lowered.
CBA estimated borrowers with a $500,000 mortgage would be saving $160 a month from the two interest rate cuts in February and May this year. If they banked three cuts, borrowers with a 30-year mortgage could save close to $200,000.
'We also found that those in their thirties and forties were the most likely age group to reduce their repayments – perhaps not surprising, given many in this cohort may be juggling school-aged kids and high household costs,' Sutherland said.
The RBA is widely tipped to cut the cash rate at its July meeting this week, which would mark the first back-to-back interest rate cut since the pandemic.
All of the Big Four bank economic teams are forecasting a 0.25 per cent cut on Tuesday, while markets have more than a 90 per cent chance of a cut to 3.60 per cent.
According to Mozo, a 0.25 per cent cut would mean owner-occupiers with a $500,0000 mortgage could save $76 a month, or $918 over a year, on their home loan repayments. This is based on the average rate of 6.15 per cent and borrowers paying principal and interest.
CBA and ANZ are expecting two more cuts in July and August, NAB is expecting three in July, August and November. Westpac has forecast four more cuts, including the one in July, with the timing of the next three cuts dependent on the RBA's post-meeting tone.
Headline inflation eased to 2.1 per cent over the year to May, down from 2.4 per cent the previous month.
Underlying inflation was down to 2.4 per cent in May, from 2.8 per cent in April, which was the lowest in three and a half years.Sign in to access your portfolio
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Perseus Updates Mineral Resource and Reserve Estimates
perth, Aug. 21, 2025 (GLOBE NEWSWIRE) -- PERSEUS MINING UPDATES MINERAL RESOURCES AND ORE RESERVE ESTIMATES Executive Summary Perth, Western Australia/August 21, 2025/Perseus Mining Limited (ASX/TSX: PRU) is pleased to update estimates of its Mineral Resources and Ore Reserves as of 30 June 2025. A summary of the release is included below. For the full release please refer to or The Perseus Group's Measured and Indicated (M&I) Mineral Resources now total 7.8 Moz gold (Table 1) while Proved and Probable Ore Reserves total 5.0 Moz gold (Table 2). Not included in these estimates, is the Foreign/Historical Estimate for the Meyas Sand Gold Project (MSGP, formerly Block 14) including Indicated Mineral Resources1 consisting of 3.3 Moz Au (Table 3) and a Probable Mineral Reserve1 of 2.9 Moz gold (Table 4). The sources of change underlying the 2.1 Moz gold increase in Perseus's estimate of Ore Reserves against those reported at 30 June 2024 are presented in Error! Reference source not found.. As part of its annual planning cycle, the Company has reassessed the growth opportunities available within its portfolio with the approach of optimising the portfolio rather than focussing on fixed investment targets for each asset. In this way, the Company has sought to find the balance between investment in growth opportunities and the cash margin generated by the ESTIMATES PROJECT MEASURED RESOURCES INDICATED RESOURCES MEASURED & INDICATED RESOURCES INFERRED RESOURCES QUANTITY GRADE GOLD QUANTITY GRADE GOLD QUANTITY GRADE GOLD QUANTITY GRADE GOLD MT G/T GOLD '000 OZ MT G/T GOLD '000 OZ MT G/T GOLD '000 OZ MT G/T GOLD '000 OZ Edikan 13.1 0.96 407 37.7 1.02 1,236 50.8 1.01 1,644 7.8 1.5 367 Sissingué3 1.5 1.18 56 5.3 1.85 317 6.8 1.71 373 0.2 1.2 7 Yaouré 11.5 0.79 293 42.6 1.68 2,301 54.1 1.49 2,594 16.9 1.8 982 Nyanzaga - - - 74.2 1.33 3,162 74.2 1.33 3,162 15.0 1.2 584 Total 26.1 0.90 756 159.8 1.37 7,017 185.9 1.30 7,773 39.9 1.5 1,940PROJECT PROVED PROBABLE PROVED & PROBABLE QUANTITY GRADE GOLD QUANTITY GRADE GOLD QUANTITY GRADE GOLD MT G/T GOLD '000 OZ MT G/T GOLD '000 OZ MT G/T GOLD '000 OZ Edikan 8.6 0.91 250 21.1 1.08 730 29.7 1.03 980 Sissingué3 0.8 1.42 38 2.9 2.14 199 3.7 1.98 237 Yaouré 11.5 0.79 293 19.8 1.81 1,151 31.3 1.44 1,444 Nyanzaga - - - 52.0 1.40 2,342 52.0 1.40 2,342 Total 20.9 0.86 581 95.8 1.44 4,422 116.7 1.33 5,003 Notes for Table 1 and Table 2: 1 Refer to Notes to individual tables of Mineral Resources and Ore Reserves in respect of each project presented below. 2 Mineral Resources are inclusive of Ore Reserves. 3 Sissingué Mineral Resources and Ore Reserves include the Fimbiasso and Bagoé Projects in addition to the Sissingué Gold Mine. 4 The Company holds 90% of Edikan Gold Mine (EGM) and Yaouré Gold Mine (YGM), 86% of Sissingué Gold Mine (SGM) except Bagoé at 90%, and 80% of Nyanzaga Gold Project (NGP). 5 Excludes Foreign/Historical Estimates Foreign/historical estimatesTYPE INDICATED5 INFERRED Mt Au g/t Ag g/t Au koz Ag koz Mt Au g/t Ag g/t Au koz Ag koz Oxide 10.2 1.35 1.49 443 487 1.1 1.0 1.2 34 41 Trans. 13.4 1.22 1.33 527 575 1.5 1.0 1.2 50 57 Fresh 56.3 1.31 1.82 2,371 3,296 15.9 1.2 1.6 626 838 TOTAL 79.9 1.30 1.70 3,342 4,358 18.5 1.2 1.6 711 936 Notes for Table 3: Based on September 2018 estimates of Galat Sufar South and Wadi Doum Mineral Resources by MPR Geological Consultants Pty Ltd. 0.6 g/t cut-off grade applied to all material types. Estimates are not depleted for artisanal mining, the impact of which is not considered material. Galat Sufar South Mineral Resource estimates are truncated at 350 m depth, with around 90% of Indicated and Inferred resources occurring at depths of less than 240 and 300 m respectively. Wadi Doum estimates extend to around 255 m depth, with around 90% of Indicated and Inferred resources occurring at depths of less than 115 m and 190 m respectively. The depth limits imposed on the estimates are considered to largely confine the estimates to material with reasonable prospects of eventual economic extraction. Indicated Mineral Resources are inclusive of Mineral Reserves. Rounding of numbers to appropriate precisions may have resulted in apparent AREA CLASSIFICATION OXIDE TRANSITIONAL FRESH TOTAL '000 tonnes Au g/t '000 tonnes Au g/t '000 tonnes Au g/t '000 tonnes Au g/t Main Probable 4,347 1.27 5,088 1.19 13,488 1.31 22,923 1.28 East Probable 8,302 0.89 11,236 0.89 30,729 1.05 50,267 0.99 North East Probable 1,606 0.84 2,192 0.85 367 0.90 4,166 0.85 Total GSS Probable 14,255 1.00 18,516 0.97 44,584 1.13 77,356 1.07 Wadi Doum Probable 527 1.90 119 2.37 1,941 2.49 2,588 2.36 Block 14 Total Probable 14,783 1.03 18,635 0.98 46,525 1.19 79,943 1.11 Notes for Table 4: Based on Mineral Reserve Statement 7 November 2018. CIM Definition Standards were followed for the classification of Mineral Reserves. Mineral Reserves were optimised using a gold price of US$1,100/oz. Mining Cut-off grades vary between 0.32 g/t and 0.90 g/t. Rounding of numbers to appropriate precisions may have resulted in apparent inconsistencies. Perseus's Mineral Resource Estimates The Perseus Group's total M&I Mineral Resources reported as at 30 June 2025 are estimated to be 185.9 Mt grading 1.30 g/t gold, containing 7.8 Moz of gold, compared with the estimate of 30 June 2024 of 115.9 Mt grading at 1.31 g/t Au for 4.9 Moz of gold. The Mineral Resource Statement accounts for mining depletion of in-situ Mineral Resources and is reported inclusive of Ore Reserves. Inferred Resources are 39.9 Mt grading at 1.5 g/t Au for 1.9 Moz of gold, compared with the estimate of 30 June 2024 of 24.1 Mt grading at 1.6 g/t Au for 1.3 Moz of gold. Tonnes are reported as dry metric tonnes. All tabulated tonnes, grade and metal have been rounded to reflect appropriate precision in the estimate and may cause some discrepancies in totals. The Foreign/Historical Estimate for the MSGP Mineral Resource in Northern Sudan, announced on 28 February 2022 (see news release titled 'Perseus enters into agreement to acquire Orca Gold Inc.') is stated in the 'Foreign/Historical Estimate' subsection of this report and is reported separately from the Group's Mineral Resources detailed below. The Group Mineral Resource estimates are reported in accordance with the 2012 Australasian Code for Reporting of Exploration Results, Mineral Resources and Ore Reserves (the JORC Code 2012). The classification categories of Measured, Indicated and Inferred under the JORC Code (2012) are equivalent to the CIM categories of the same names (CIM, 2014). For the purpose of satisfying 'reasonable prospects for eventual extraction' (JORC Code 2012), open pit Mineral Resources are reported above optimised open pit shells developed with actual and estimated operating costs and a long-term gold price assumption of US$2,100 per ounce, with the exception of Nyanzaga reported at US$2,000 per ounce. Underground Mineral Resources at CMA are constrained to below the CMA Stage 3 pit design and reported at a 1.5 g/t Au cut-off. Underground Mineral Resources at Edikan are constrained to a depth of 600 mRL at Esuajah South and are all exclusive of open pit Mineral Resources. Technical Reports associated with these Mineral Resources, have been prepared in accordance with NI 43-101 for the following operations: Nyanzaga Gold Project, Tanzania, NI 43-101 Technical Report, dated 10 June 2025 Yaouré Operations, Côte d'Ivoire, NI 43-101 Technical Report, dated 18 December 2023 Sissingué Operations, Côte d'Ivoire, NI 43-101 Technical Report, dated 29 May 2015 Edikan Operations, Ghana, NI 43-101 Technical Report, dated 6 April 2022 These reports can be found on Perseus's website at and on the Canadian System for Electronic Document Analysis and Retrieval (SEDAR) website Perseus's Ore Reserve Estimate CRITERIA FOR ORE RESERVE CLASSIFICATION All Ore Reserves are reported in accordance with the JORC Code (2012) and are reported by category, deposit and type, above variable cut-off grades. The classification categories of Proved and Probable under the JORC Code (2012) are equivalent to the CIM categories Proven and Probable respectively (CIM, 2010). The Ore Reserve is classified as Proved and Probable corresponding to the Mineral Resource classifications of M&I and considering other factors where relevant. The deposits' geological models are well constrained. The Ore Reserve classification is considered appropriate given the nature of the deposits, the moderate grade variability, drilling density, structural complexity, confidence in input parameters based on operational experience and mining history. It was therefore considered appropriate to use Measured Mineral Resources as a basis for Proved Ore Reserves and Indicated Mineral Resources as a basis for Probable Ore Reserves. No Inferred Mineral Resources were included in Ore Reserve estimate with the exception of 2.8 koz of incidental Inferred which is included in the CMA underground development and is not considered material to the Ore Reserve. Technical Disclosure: All Mineral Reserves and Mineral Resources other than the Foreign/Historical Estimates were calculated as of 30 June 2025 and have been calculated and prepared in accordance with the standards set out in the Australasian Code for Reporting of Exploration Results, Mineral Resources and Ore Reserves dated December 2012 (the 'JORC Code') and in accordance with National Instrument 43-101 of the Canadian Securities Administrators ('NI 43-101'). The JORC Code is the accepted reporting standard for the Australian Stock Exchange Limited ('ASX'). The definitions of Ore Reserves and Mineral Resources as set forth in the JORC Code (2012) have been reconciled to the definitions set forth in the CIM Definition Standards. If the Mineral Reserves and Mineral Resources were estimated in accordance with the definitions in the JORC Code, there would be no substantive difference in such Mineral Reserves and Mineral Resources. Competent Person Statement: The information in this report that relates to Mineral Resources is based on, and fairly represents, information and supporting documentation prepared by Daniel Saunders, a Competent Person who is a Fellow of The Australasian Institute of Mining and Metallurgy. Mr Saunders is a full-time employee of Perseus Mining Limited. Mr Saunders has sufficient experience, which is relevant to the style of mineralisation and type of deposit under consideration and to the activity being undertaken, to qualify as a Competent Person as defined in the 2012 Edition of the 'Australasian Code for Reporting of Exploration Results, Mineral Resources and Ore Reserves'' and to qualify as a 'Qualified Person' under National Instrument 43-101 – Standards of Disclosure for Mineral Projects ('NI 43-101'). Mr Saunders consents to the inclusion in the report of the matters based on his information in the form and context in which it appears. The information in this report that relates to Ore Reserves is based on information compiled by Mr Adrian Ralph, a Competent Person who is a Fellow of The Australasian Institute of Mining and Metallurgy. Mr Ralph is a full-time employee of Perseus Mining Limited. Mr Ralph has sufficient experience which is relevant to the style of mineralisation and type of deposit under consideration and to the activities which he is undertaking to qualify as a Competent Person as defined in the 2012 Edition of the 'Australasian Code for Reporting of Exploration Results, Mineral Resources and Ore Reserves' and a Qualified Person as defined in NI 43-101. Mr Ralph consents to the inclusion in this report of the matters based on his information in the form and context in which it appears. The Company confirms that the material assumptions underpinning the estimates of Ore Reserves described in 'Technical Report — Edikan Gold Mine, Ghana' dated 6 April 2022, 'Technical Report — Yaouré Gold Project, Côte d'Ivoire' dated 18 December 2023, 'Technical Report — Sissingué Gold Project, Côte d'Ivoire' dated 29 May 2015, and 'Technical Report — Nyanzaga Gold Project, Tanzania' dated 10 June 2025 continue to information in this report that relates to the Mineral Resources and Probable Reserves of the Block 14 Project was first reported by the Company in a market announcement 'Perseus Enters into Agreement to Acquire Orca Gold Inc.' released on 28 February 2022. The Company confirms it is not in possession of any new information or data relating to those estimates that materially impacts of the reliability of the estimate of the Company's ability to verify the estimate as a Mineral Resource or Ore Reserve in accordance with Appendix 5A (JORC Code) and the information in that in that original market release continues to apply and have not materially changed. These estimates are prepared in accordance with Canadian National Instrument 43-101 standards and have not been reported in accordance with the JORC Code. A competent person has not done sufficient work to classify the resource in accordance with the JORC Code and it is uncertain that following evaluation and/or further exploration work that the estimate will be able to be reported as a Mineral Resource or Ore Reserve in accordance with the JORC Code. Mr Saunders and Mr Ralph have reviewed this press release and all technical information regarding Orca's NI 43-101 Foreign/historical estimate and this information is approved by Adrian Ralph and Daniel Saunders, each a Qualified Person for the purposes of NI 43-101. Caution Regarding Forward Looking Information: This report contains forward-looking information which is based on the assumptions, estimates, analysis and opinions of management made in light of its experience and its perception of trends, current conditions and expected developments, as well as other factors that management of the Company believes to be relevant and reasonable in the circumstances at the date that such statements are made, but which may prove to be incorrect. Assumptions have been made by the Company regarding, among other things: the price of gold, continuing commercial production at the Yaouré Gold Mine, the Edikan Gold Mine and the Sissingué Gold Mine without any major disruption, development of a mine at Nyanzaga, the receipt of required governmental approvals, the accuracy of capital and operating cost estimates, the ability of the Company to operate in a safe, efficient and effective manner and the ability of the Company to obtain financing as and when required and on reasonable terms. Readers are cautioned that the foregoing list is not exhaustive of all factors and assumptions which may have been used by the Company. Although management believes that the assumptions made by the Company and the expectations represented by such information are reasonable, there can be no assurance that the forward-looking information will prove to be accurate. Forward-looking information involves known and unknown risks, uncertainties, and other factors which may cause the actual results, performance or achievements of the Company to be materially different from any anticipated future results, performance or achievements expressed or implied by such forward-looking information. Such factors include, among others, the actual market price of gold, the actual results of current exploration, the actual results of future exploration, changes in project parameters as plans continue to be evaluated, as well as those factors disclosed in the Company's publicly filed documents. Readers should not place undue reliance on forward-looking information. Perseus does not undertake to update any forward-looking information, except in accordance with applicable securities laws. ASX/TSX CODE: PRUCAPITAL STRUCTURE:Ordinary shares: 1,350,988,737Performance rights: 9,328,134REGISTERED OFFICE:Level 2437 Roberts RoadSubiaco WA 6008Telephone: +61 8 6144 DIRECTORS:Rick MenellNon-Executive ChairmanJeff QuartermaineManaging Director & CEO Amber BanfieldNon-Executive DirectorElissa CorneliusNon-Executive DirectorDan LougherNon-Executive DirectorJohn McGloinNon-Executive DirectorJames RutherfordNon-Executive Director CONTACTS:Jeff QuartermaineManaging Director & FormanInvestor Relations+61 484 036 RyanMedia+61 420 582 These estimates including the tables set out below have been prepared by Orca in accordance with Canadian National Instrument 43-101 standards and have not been reported in accordance with the JORC Code. A competent person has not done sufficient work to classify the resource in accordance with the JORC Code and it is uncertain that following evaluation and/or further exploration work that the estimate will be able to be reported as a mineral resource or ore reserve in accordance with the JORC Code. Orca Ore Reserve and Mineral Resource figures are stated on 100% basis. Attachment 20250821 TSX Annual Resources and Reserves Statement_finalError in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
an hour ago
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Manhattan Associates promotes Raghav Sibal to lead APAC region amid continued growth
Expanded leadership follows 49% cloud growth and surging demand for AI-enabled supply chain solutions across Asia-Pacific SYDNEY, Aug. 21, 2025 /PRNewswire/ -- Manhattan Associates Inc. (NASDAQ: MANH) has promoted Raghav Sibal to Vice President, APAC, a newly expanded role that reflects the company's commitment to supporting rising demand across the region. The move follows a standout year of growth, with cloud subscription revenue in APAC rising 49% year-on-year in 2024 and services revenue up 21%, reflecting the region's growing appetite for cloud-first, AI-enabled supply chain solutions. "Over the past 14 years, Raghav has played a pivotal role in establishing Manhattan Associates' strong foundation and continued growth in Australia and New Zealand. With the APAC region undergoing rapid transformation and expansion, the time is right to elevate his role," said Eric Clark, President and CEO at Manhattan Associates. "He brings the operational expertise, customer-first mindset and regional insight needed to accelerate our vision for unified supply chain commerce across Asia-Pacific." With more than two decades at Manhattan Associates, Sibal brings deep operational experience to the position, having worked across both the US and Australian markets, leading some of the company's most complex global implementation programs. Since taking on leadership of the Australia and New Zealand business in 2011, he has overseen significant growth, built a high-performing local team, and helped position Manhattan as a trusted technology partner for leading retailers, distributors and logistics providers across the region. "APAC is an incredibly diverse region, with each market presenting unique challenges and opportunities," commented Sibal. "As supply chains continue to evolve and digital transformation accelerates, I'm excited to work closely with our teams, partners and customers across the region to help them unlock new levels of efficiency, resilience and customer experience." Manhattan Associates' APAC operations service emerging opportunities in China, Southeast Asia, and India, as well as more established markets in Japan, Australia and New Zealand. For more information about Manhattan Associates, visit Receive up-to-date product, customer and partner news directly from Manhattan Associates on X, LinkedIn and Facebook. -ends- ABOUT MANHATTAN ASSOCIATES Manhattan Associates is a global technology leader in supply chain and omnichannel commerce. We unite information across the enterprise, converging front-end sales with back-end supply chain execution. Our software, platform technology and unmatched experience help drive both top-line growth and bottom-line profitability for our customers. Manhattan Associates designs, builds, and delivers leading edge cloud and on-premises solutions so that across the store, through your network or from your fulfilment centre, you are ready to reap the rewards of the omnichannel marketplace. For more information, please visit View original content to download multimedia: SOURCE Manhattan Associates Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Yahoo
an hour ago
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BHP Group Ltd (BHP) (FY 2025) Earnings Call Highlights: Record Production and Strategic ...
This article first appeared on GuruFocus. Release Date: August 19, 2025 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Positive Points BHP Group Ltd (NYSE:BHP) achieved record iron ore and copper production, with copper volumes growing by 28% over the past three years. The company delivered a strong financial performance with an underlying EBITDA margin of 53% and a return on capital employed of 21%. BHP Group Ltd (NYSE:BHP) paid a final dividend of 60 US cents per share, resulting in a full-year dividend of $5.6 billion. The company achieved gender balance in its global workforce, with female representation now at 41.3%, contributing to better business performance. BHP Group Ltd (NYSE:BHP) has reduced its capital spend by $1 billion per year over the medium term and revised its target net debt range to $10 to $20 billion. Negative Points The company experienced a 10% decline in EBITDA due to unfavorable commodity prices, despite favorable foreign exchange rates. BHP Group Ltd (NYSE:BHP) encountered higher inflation and cost escalation than anticipated, particularly affecting the Jansen project. The pace of development for decarbonization technology has slowed, delaying anticipated operational decarbonization spend to the 2030s. Higher labor costs over and above CPI inflation impacted the company's financial performance. The transition to closure for New South Wales Energy Coal is progressing, indicating a phase-out of operations in that segment. Q & A Highlights Warning! GuruFocus has detected 5 Warning Sign with BHP. Is BHP fairly valued? Test your thesis with our free DCF calculator. Q: Can you elaborate on the factors contributing to the 10% decline in EBITDA? A: The decline in EBITDA was entirely due to commodity prices. While we benefited from favorable foreign exchange rates, these were offset by inflationary pressures. Despite this, our operational performance remained strong, with copper equivalent volume growth up around 4%. (CFO, Vendita Pant) Q: How has BHP managed to maintain its position as the lowest cost major iron ore producer globally? A: Western Australia iron ore has consistently demonstrated its leadership with record production and shipments, achieving an EBITDA margin of 63%. Our costs are just $17.29 per ton, maintaining our status as the lowest cost major iron ore producer for six consecutive years. (CFO, Vendita Pant) Q: What are the future growth projections for BHP's production? A: Assuming our projects proceed as planned, we anticipate an average production growth of 2.2% per annum over the next decade. This growth is supported by our focus on highly attractive commodities and world-class assets. (CEO, Mike Henry) Q: Can you discuss the impact of inflation and cost escalation on the Jansen project? A: We encountered higher inflation and cost escalation than anticipated, particularly in surface works. We've taken action to contain these costs and will apply learnings to future projects. The first production for stage 2 has been extended by two years to free up capital for higher returning projects. (CEO, Mike Henry) Q: How is BHP addressing the challenges in decarbonization technology development? A: The pace of development for our decarbonization technology, particularly diesel displacement, has slowed. We now expect operational decarbonization spending to occur in the 2030s, aligning with the delayed timeline for critical technologies. However, we remain on track to meet our 2030 target for operational greenhouse gas emissions. (CFO, Vendita Pant) For the complete transcript of the earnings call, please refer to the full earnings call transcript.
