Banks that do traditional savings and loan business may have a way to protect themselves from interest rate changes. By looking at how banks handle different types of interest rates, researchers found that banks seem to balance out their risks. This means that even though they still face some risk from changing rates, they have a way to lessen the impact. Interestingly, this protection seems to come more from using financial tools like derivatives rather than from their usual way of doing business. So, while banks may still be affected by interest rate changes, they have some strategies in place to help manage the risk.