Year	lending rate minus treasury bill rate, %
2012	9.0253120760801
2013	10.5641229127859
2014	15.6594879669541
2015	10.7803938893243
2016	0.6832558174986989
2017	-10.053623533666899
2018	-4.227314409890202
2019	-4.755294687672601
2020	-4.320382520497201
2021	-4.321517289180299
2022	-4.116503538527802
2023	-4.048311903194602