Year	lending rate minus treasury bill rate, %
1987	1.0999999999999996
1988	0.41500000000000004
1989	-0.6685180240320392
1991	3.4721617712505495
1992	7.943262127280871
1993	7.5109679572764
1994	5.9039363595905705
1995	5.635189141077039
1996	6.828680462839331
1997	6.5133155318201705
1998	6.2708664886514995
1999	6.269850689808631
2000	5.043730529595031
2001	6.9108113039608305
2002	6.65570071206053
2003	7.16270560747664
2004	6.34765242545616
2005	4.25435358255452
2006	2.94023943035158
2007	3.402176012461049
2008	5.693668947485531
2009	6.8862619047619
2010	6.416458333333333
2011	5.835458333333329
2012	4.82745833333333
2013	5.0878749999999995
2014	5.08305833333333