In conclusion, I sincerely hope that through fruitful discussion at the Conference, both those from academic circles and central banks will learn more, share the fruit, and make use of the wisdom obtained for the future conduct of monetary policy. 3  BIS Review 55/2000
Consumers must be aware that interest rates are not the same for everyone, and are, as a rule, determined by risk-based pricing. Obviously, highly leveraged consumers with poor credit repayment histories will pay a higher annual interest rate than consumers with lower overall debt and good payment habits.