Year	lending rate minus treasury bill rate, %
2010	4.3250130912526
2011	4.77181233940353
2012	3.73090000699412
2013	3.2702068253240704
2014	3.1859804016086706
2015	3.0942499999999997
2016	3.3633333333333297
2017	4.6525
2018	4.175705