Year	lending rate minus treasury bill rate, %
2001	4.98557652435065
2004	3.24962731535803
2005	2.04681610983404
2006	1.6179221255606704
2007	2.5677503207611
2008	2.63306032821876
2009	3.53599754065056
2010	2.89237325223107
2011	2.1942342800389496
2012	2.2223141065471603
2013	2.4923611901260294
2014	2.88165214812624
2015	3.1210416554368097
2016	3.05751219016575
2017	3.0840828333333303
2018	2.8425000000000002
2019	2.53083333333334
2020	2.689166666666667
2021	2.648333333333333
2022	2.472499999999997
2023	2.49651822749485