Year	lending rate minus treasury bill rate, %
2003	-20.507125000000002
2004	2.927958333333301
2005	4.9775583333334
2009	11.888033333333372
2010	6.29091957301282
2011	5.312100000000029
2012	8.04690833333333
2013	8.4346416043986
2014	5.7418830656806
2015	3.7107445452059604
2016	4.2340069444167
2017	4.1857354395833
2018	3.869250000000031
2019	3.5916916666666694
2020	3.24712161172161
2021	3.62697500000003
2022	3.4742073529411996
2023	4.0168