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profitability of a bank, lead to interest rate risk. Interest rate risk can affect the financial position of a bank and may create unfavorable financial results. The potential for the interest rate to change at any given time can have either positive or negative effects for the bank and the consumer. If a bank gives out a 30-year mortgage at a rate of 4% and the interest rate rises to 6%, the bank loses and the consumer wins. This is an opportunity cost for the bank and a reason why the bank could be

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