Year	lending rate minus deposit rate, %
2011	10.198043977948736
2012	11.305528356598291
2013	11.513844064288572
2014	12.013948467790788
2015	12.719379989015994
2016	13.2883333333333
2017	12.593333333333367
2018	12.814455308313654
2019	14.7204007540931
2020	13.477565723696292
2021	10.520988367305891
2022	10.399101605844077
2023	10.125410407095696