Year	lending rate minus treasury bill rate, %
2001	6.0960785119048
2002	6.387334524537398
2003	8.917256436379398
2004	13.36269123107121
2005	13.93380344859686
2006	11.65992381987185
2007	11.42687703459347
2008	9.36170272107147
2009	9.344860947220292
2010	8.614601736949602
2011	8.227973785416898
2012	7.4342307381834996
2013	6.697741534643571
2014	8.60702498493112
2015	4.6945428177529
2016	7.525504447966631
2017	7.677893342499571
2018	6.57465026113733
2019	6.10504728650153
2020	5.79772968557314
2021	3.9630658123022497
2022	1.131463956637301
2023	1.2525890680976008