Year	lending rate minus treasury bill rate, %
1980	1.5612958003800603
1981	2.03548967099065
1982	2.03548967099065
1983	2.03548967099065
1984	2.9838774122118306
1985	4.485491335812
1986	4.880652894654199
1987	4.880652894654199
1988	4.485491335812
1989	4.880652894654199
1990	4.880652894654199
1991	4.798371794722099
1992	4.2639278486122
1993	3.7793002918515004
1994	4.4438238701199
1995	4.391175106269801
1996	4.4249120870646
1997	4.664852554343399
1998	4.9219900262067
1999	4.7084935977054005
2000	4.6037230434773
2001	3.5763667509905996
2002	3.3931185762886003
2003	5.049739772386831
2004	3.2524673963376003
2005	3.0349577016759
2006	2.3007528166440405
2007	2.278149523987169
2008	1.7023460540426392
2009	1.898144946168081
2010	1.8668100402748298
2011	2.6950879142983695
2012	1.9839888541387207
2013	2.02635361152344