Year lending rate minus deposit rate, % 2005 7.9 2006 8.09616098799755 2007 8 2008 7.3252327981385985 2009 8.092707627861369 2010 8.75 2011 8.6199031390576 2012 8.151261996105601 2013 8.67168802034769 2014 7.44499999999997 2015 7.1667509541707 2016 8.31050253666745 2017 8.111842596221255