Year	lending rate minus treasury bill rate, %
2006	5.255599999999999
2007	4.755599999999999
2008	4.255599999999999
2009	4.2581
2010	5.474383333333329
2011	4.753055280039429
2012	3.223804504236801
2013	2.202740704865329
2014	3.2407798931760308
2015	4.26791300297347
2016	7.264751144263499
2017	6.6536636807209
2018	7.1767228850732
2019	8.0226357918998
2020	8.1002303232237
2021	8.0654610099458
2022	7.4287065068347005
2023	8.1818258403694