Year	lending rate minus treasury bill rate, %
1994	37.6816666666666
1995	26.5041666666667
1996	36.0325
1997	36.3991666666667
1998	27.08
1999	21.304166666666703
2000	23.602500000000003
2001	8.5815497595031
2002	8.226879017288299
2003	7.738633103068471
2004	7.0585047505217196
2005	11.651278118333959
2006	7.3330231840521005
2007	6.824610795112589
2008	5.56412963796034
2009	9.49632238910303
2010	9.839983175120286
2011	10.453916047892836
2012	10.611915853100676
2013	9.95908627592388
2014	7.7165674767260395
2015	7.499164907818901
2016	7.7348260611799695
2017	7.76099203240817