The article explores how banks set their interest rates based on the risks they face from changes in interest rates. The researchers created a model that shows how banks charge more for loans and deposits when interest rates are unpredictable, but they lower these charges when they expect to make money from managing different loan maturities. They studied German banks from 2000 to 2009 and found that all banks charge extra fees when interest rates are volatile. Smaller banks are more affected by risks from managing different loan maturities, while larger banks are not. Overall, banks only make money from managing different loan maturities, not from interest rate risks.