Year	lending rate minus treasury bill rate, %
2004	30.157500000000006
2005	36.091464070301704
2006	11.6508144527911
2010	11.723572022126898
2011	11.831434981020141
2012	13.20917909900098
2013	12.744020240031041
2014	12.10296538558104
2015	9.678042955437759
2016	0.6885965317042011
2017	-0.5418162853411985
2018	7.545545694382399
2019	6.2109922056550015
2020	3.1588581607263
2021	0.03804351859719901
2022	9.7722113762759
2023	6.398083744817299