Year	lending rate minus deposit rate, %
2002	4.669330097372349
2003	6.88902165290653
2004	10.1478935584223
2005	13.1345122519597
2006	14.637055006067001
2007	11.9661491736437
2008	14.2241502669225
2009	15.03520286699284
2010	14.75198350071695
2011	14.224913276172831
2012	13.418697201197782
2013	17.75534781859342
2014	19.04172131242568
2015	21.61006370803949
2016	21.40973206480588
2017	25.96710065827646
2018	23.35168142207085
2019	18.37452397553583