Year	lending rate minus treasury bill rate, %
1991	67.07723140788801
1992	67.84153680673
1993	45.2621886429813
1994	47.556448837021996
1995	56.649473231364205
1996	59.499572403871596
1997	46.16419249617329
1998	39.661934782308506
2002	15.455996388888991
2003	26.412162499999994
2004	8.9288641666667
2005	9.4740233333333
2006	4.712099083333329
2007	1.8341205833333394
2008	2.4003625
2009	3.417259052468699
2010	1.2676388486749701
2011	1.007404075161059
2012	1.7984421565681998
2013	1.0628149587398
2014	1.1713902019915992
2015	2.3749980615453
2016	2.6685630380291006
2017	3.4252081432191
2018	2.8243514112526693
2019	2.2979350608681006
2020	2.7568427834850304
2021	1.1893148747528093
2022	0.8824455602177306
2023	1.2662662003255996