Year	lending rate minus deposit rate, %
1994	22.8305297513909
1995	22.612159446009002
1996	23.372322514573504
1997	21.902122363696602
1998	19.035861473694503
1999	15.161871689761103
2000	15.230089444566701
2001	16.4275255936458
2002	21.812348376987703
2003	41.940820620644494
2004	33.65801020704547
2005	32.90451184981773
2006	28.115370143313903
2007	23.918241550408897
2008	26.7476032768361
2009	31.200331502317468
2010	28.876381271822503
2011	13.3730540247749
2012	13.24263398647827
2013	15.030573149178101
2014	16.879401114139228
2015	16.223356181446402
2016	14.31902318608237
2017	13.389385972602001
2018	12.23603972508483
2019	12.04593050298707
2020	10.1698144065709
2021	9.08529442133996