Year	lending rate minus deposit rate, %
1980	-0.3600000010000004
1981	-0.3600000010000004
1982	1.4399999990000003
1983	1.4399999990000003
1984	1.4400000000000004
1985	0.7199999989999997
1986	0.7199999999999998
1987	0.7199999999999998
1988	0.35999999999999943
1989	0
1990	0.7199999999999989
1991	1.080000000000001
1992	1.080000000000001
1993	0
1994	0
1995	1.08
1996	2.6100000000000003
1997	2.9700000000000006
1998	2.61
1999	3.5999999999999996
2000	3.5999999999999996
2001	3.5999999999999996
2002	3.3299999999999996
2003	3.3299999999999996
2004	3.33
2005	3.33
2006	3.6
2007	3.33
2008	3.0599999999999996
2009	3.0599999999999996
2010	3.0599999999999996
2011	3.0599999999999996
2012	3
2013	3
2014	2.8499999999999996
2015	2.8499999999999996
2016	2.8499999999999996
2017	2.8499999999999996
2018	2.8499999999999996
2019	2.8499999999999996
2020	2.8499999999999996
2021	2.8499999999999996
2022	2.8499999999999996
2023	2.8499999999999996