They will be able to do this by adopting the long-term IRS instrument, which is an instrument for exchanging cash flows between a fixed interest rate and a variable interest rate, which ultimately will lower costs for the end consumer as well. We are examining the best platform for implementing the activity of this market—against the background of the major challenges in those markets.
Meanwhile, the year-on-year rate of change in the consumer price index (CPI, all items less fresh food) is expected to remain at around 0 percent for the time being and start rising gradually thereafter  2  BIS central bankers’ speeches  as the supply and demand balance improves in accordance with a pick-up in economic activity.