Year	lending rate minus deposit rate, %
1995	6.86232131868136
1996	6.86232131868136
1997	6.86232131868136
1998	6.86232131868136
1999	4.953857829670331
2000	5.351730219780219
2001	5.294848489010989
2002	5.3693127289377305
2003	5.705061538461539
2004	6.3118
2005	6.3118
2006	6.3118
2007	6.3118
2008	6.3118
2009	6.3118
2010	6.326624999999999
2011	6.023898401202289
2012	6.753040498900441
2013	7.33537764905164
2014	7.27855726808308
2015	6.984163120473611
2016	6.98068296082538
2017	6.579773923858101
2018	7.01777550769404
2019	8.049236728716181
2020	7.88145213372806
2021	7.87515519223326
2022	7.20095319412356
2023	7.6852108938825605