Year	lending rate minus deposit rate, %
2005	7.019615228160211
2006	6.842854090009269
2007	5.472423105834129
2008	4.0467529457355305
2009	3.39711387849254
2010	3.2289644618192703
2011	3.5145215326149106
2012	3.8990898314809304
2013	4.04460482382396
2014	4.0539095009075
2015	4.55599160479176
2016	4.51447278818233
2017	4.39117143513192
2018	4.06715452337945
2019	3.7362378212302403
2020	3.7188574274403594
2021	3.67252681422047
2022	3.5629456010577
2023	3.62688461840031