Year	lending rate minus deposit rate, %
1997	7.77884615384615
1998	9.021525028441403
1999	8.669166666666698
2000	8.79223771349255
2001	8.136814168439951
2002	8.286206432934225
2003	7.964980823770861
2004	7.1674200251108005
2005	7.1064166666667
2006	6.914385744057881
2007	6.7216589815418955
2008	6.53171493737902
2009	6.7249999999999694
2010	6.578224532670539
2011	6.531170683834319
2012	6.4903962004733895
2013	6.5018985927681605
2014	6.484999999999999
2015	6.682499999999999
2016	6.73
2017	6.63583333333335
2018	6.5525
2019	6.458035088958315
2020	6.256021333333335
2021	5.9375
2022	5.9643749999999995