Year	lending rate minus treasury bill rate, %
1982	3.684890795448
1983	3.9529142374335002
1984	4.7123139897257005
1985	4.265608253083199
1986	4.488127788071069
1987	4.756984563389899
1988	4.756984563389899
1989	4.756984563389899
1990	4.756984563389899
1991	4.7163014829248
1992	5.048169845390101
1993	5.523824539123799
1994	5.2104913178287
1995	5.1007436413857
1996	5.0303325301194
1997	4.773059710020899
1998	4.872560046620199
1999	4.995673072167699
2000	5.280800532267699
2001	4.739749499069299
2002	4.5728957217648
2003	5.1007049422952
2004	2.5414409320325593
2005	3.518175904598209
2006	3.1024012215702594
2007	2.768012472333739
2008	2.6640463881654703
2009	3.6192940627616004
2010	3.0550139885083105
2011	2.4403796549299397
2012	4.697148535876121
2013	6.2665433526777505
2014	6.96179980862692
2015	5.42741666666666
2016	4.8475
2017	6.1899999999999995
2018	5.962219916666671