Year	lending rate minus treasury bill rate, %
1982	3.9200003306071007
1983	4.620000351799799
1984	4.480000347561299
1985	4.060000334845601
1986	4.9000003602769
1987	3.6400003221299997
1988	2.3800002839829997
1989	3.6400003221299997
1990	3.6400003221299997
1991	5.6500000953674
1992	5.7000000476837
1993	5.675859654523499
1994	6.1467623059324
1995	5.695846968362
1996	5.2591910606266
1997	4.982586110003799
1998	5.195111474028799
1999	5.071877641383001
2000	5.1715539440033
2001	4.6243803976043
2002	4.387913378312
2003	5.821981449527501
2004	4.964390752820901
2005	4.3939380792616
2006	4.3705898841823
2007	4.1052017024614695
2008	4.4141009360419
2009	3.6903700920516
2010	4.7493475073677
2011	4.4144525231277
2012	4.032196642267101
2013	3.952353294171809
2014	4.0718377079627
2015	4.84008333333333
2016	4.963333333333329
2017	6.6450000000000005
2018	6.996532