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Interest Rate
Risk Management Solutions

You can help your clients protect their business through a range of Interest Rate Risk Management solutions.

A Global Markets Specialist will assess the client needs and provide a solution mix that offers protection against interest rate volatility with varying degrees of flexibility, as determined by their business requirements.

Click each hotspot to learn more.

Low Flexibility and High Certainty

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Fixed rate solutions enable a borrower to “lock in” an agreed fixed rate of interest and so provide a borrower with interest cost certainty. Because the rate is fixed, borrowers will pay that rate even if variable rates rise or fall below the agreed fixed rate.

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Moderate Flexibility and Moderate Certainty

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These solutions can provide a moderate level of certainty of interest costs and allow some participation if variable interest rates fall. The client may be required to pay the Bank a premium (or a fee).

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Highly Flexible
and Low Certainty

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Loans with variable interest rates provide clients with a high degree of flexibility to repay additional amounts of debt. The client is likely to have lower repayments if variable interest rates fall, however, they offer no protection from rising variable interest rates.

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