Year	lending rate minus deposit rate, %
2004	4.949999999999999
2005	4.223000000000001
2006	2.4399999999999995
2007	0.3985787678536994
2008	-1.3048512276057007
2009	-1.1400000000000006
2010	0.0600000000000005
2011	-0.1615765030269003
2012	-3.811843017501401
2013	-3.7627730560651997
2014	-2.9421072305272986
2015	-2.09
2016	5.199999999999999