Year	lending rate minus deposit rate, %
1995	80.333333333333
1996	70.75
1997	8.5
1998	8.125
1999	43.7241666666667
2000	63.581774166667
2001	48.0577691666666
2002	48.644999999999996
2003	69.9425
2004	66.8948211396924
2005	54.3196341212746
2006	15.010485243295609
2007	10.942401915167292
2008	5.99552815902014
2009	8.092707627861369
2010	9.787272833292999
2011	12.44800887629961
2012	13.052761054473649
2013	12.663567559710321
2014	12.85530652367282
2015	13.567242219674789
2016	10.236185814229291
2017	9.4639071500616
2018	13.80034695772534
2019	12.87996537626887
2020	13.45416648941936
2021	12.35724650917086
2022	13.01362431481608
2023	10.04241746982893