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Now, why would they do this? **Interest rate swaps** are like insurance. They provide a predictable stream of payments, allowing ANZ to better manage its financial exposure. This means they can make better decisions about lending rates and other financial products. The swap acts as a **hedging** tool, helping ANZ to mitigate the risks associated with its mortgage portfolio. It is all about risk management. Without tools like the MSS, banks would be exposed to significant losses if interest rates moved unexpectedly. This could impact their profitability and their ability to lend. The MSS helps to shield them from that volatility.
