Year	lending rate minus deposit rate, %
1996	31.869993283607002
1997	34.2494938280156
1998	21.563569388467094
1999	31.6325330725599
2000	42.0213668119174
2001	32.00471255962586
2002	31.769664748952913
2003	21.53120326961396
2004	21.3876611996487
2005	19.52791442313782
2006	21.193319056807653
2007	21.06586576889466
2008	23.4535039602809
2009	23.840453111920873
2010	21.75676567732691
2011	21.5783440351934
2012	20.68039300331685
2013	18.991901180256217
2014	17.64313347011028
2015	21.171743937182608
2016	22.110370616714683
2017	17.065990312069548
2018	17.09355191717325
2019	17.452934503807477
2020	15.667764969908552
2021	15.33436740053712
2022	17.26234606597595
2023	17.806754061932722