Year	lending rate minus deposit rate, %
2010	1.3906579327943795
2011	3.4083282411033995
2012	2.0373378711234995
2013	2.294712072404902
2014	3.5914829823367995
2015	3.7466847946882993
2016	6.952537863048203
2017	7.5810907696508
2018	16.595265256527203
2019	19.967373362143405
2020	0.06736208395819787
2021	2.0130065072791012
2022	-0.017500782783500313
2023	1.6071221745447986