Year	lending rate minus deposit rate, %
2012	10.046123574474521
2013	12.201392939326709
2014	17.26640638968373
2015	12.583730507076739
2016	9.34648951965683
2017	9.419652701267669
2018	15.998482965072446
2019	15.594584360956585
2020	16.013787764325993
2021	16.05110044471183
2022	16.233269204065905
2023	16.23394851913375