Year	lending rate minus deposit rate, %
1997	53.842687013975095
1998	58.36
1999	54.4208333333333
2000	39.6308333333333
2001	39.760000000000005
2002	43.732272091549305
2003	45.1126428530026
2004	39.508849033853195
2005	37.7545856651007
2006	36.875930658587805
2007	33.1394140956729
2008	35.5946677426706
2009	35.3711682322435
2010	31.121227349988843
2011	32.890968517980895
2012	28.72920016506602
2013	19.584562880095092
2014	21.984698231455198
2015	31.335874494378402
2016	39.6542356205413
2017	38.4031334681184
2018	32.21117442072181
2019	32.04482471672854
2020	26.84523933698263
2021	25.668612783161702
2022	27.4005919751934
2023	31.4612343268322