Year	lending rate minus treasury bill rate, %
2007	4.471906796233499
2008	4.484931039143701
2009	5.3820111235866
2010	6.116538864254901
2011	5.477050434240599
2012	4.37531901972522
2013	3.0752142978051893
2014	3.64774238858608
2015	5.29541666666667
2016	5.13916666666667
2017	6.359999999999999
2018	6.13011591666667