Year	lending rate minus treasury bill rate, %
1998	14.9375
2000	2.0702777777778003
2001	-2.0437499999999993
2002	-2.8377777777777986
2003	9.3753828546358
2004	9.708897792839998
2005	10.37133333333337
2006	3.510500000000002
2007	4.3556666666666
2008	4.549999999999999
2009	5.0848773915039995
2010	4.270207903780101
2011	3.8581560318723014
2012	11.543994195504322
2013	11.194672199648469
2014	9.47096925543975
2015	9.00108333333333
2016	5.911003276545799
2017	2.5869215595905004
2018	6.7455691351682
2019	6.2332594850595004
2020	7.70305334026812
2021	5.379872080857201
2022	4.677890143908201
2023	5.7969910476542985