Year	lending rate minus treasury bill rate, %
1996	-14.343075659325294
1997	-5.506425715789597
1998	-26.831787992813496
1999	-31.502949041583598
2000	-5.407129829595199
2001	3.4970497983031024
2002	16.410533756366
2003	10.2236709241655
2004	13.85848888815153
2005	13.05751536881258
2006	13.956070321462091
2007	15.78866595689627
2008	11.127941812934202
2009	13.917203076648201
2010	13.328516057359902
2011	8.1930905874496
2012	13.0911289652498
2013	12.808067351222999
2014	10.67778864619639
2015	10.867730969184299
2016	15.017161068319751
2017	14.775485111627638
2018	13.92652299779148
2019	13.930781588215519
2020	11.164393429942312
2021	9.542243831791831
2022	10.56385843916915
2023	10.6358652071561