Year	lending rate minus treasury bill rate, %
2003	-15.61117155730907
2004	-17.8513517544037
2005	-13.718855477208129
2006	-8.34012556326508
2007	-2.0908333333333404
2008	0.8782163243724908
2009	-6.855240173454161
2010	-6.24277777777781