Year	lending rate minus deposit rate, %
1995	7.961337537469501
1996	7.772110894776901
1997	7.478333333333399
1998	7.888333333333349
1999	8.06682611893649
2000	8.49124999999998
2001	8.091128336879901
2002	7.71666474769962
2003	7.181954620302269
2004	6.53041666666668
2005	6.93897428074679
2006	6.82573367682587
2007	6.379649999999985
2008	6.233450162471735
2009	6.248601307196145
2010	6.122499999999971
2011	6.139774554989355
2012	6.25
2013	6.023547271212221
2014	6.05833333333333
2015	6.233874999999995
2016	6.311249999999999
2017	6.0237875
2018	5.311149126654231
2019	5.77950386521619
2020	5.50416666666667
2021	5.373684750000001
2022	5.31147208333333
2023	5.222942375000015