<transcript><audio_117> %15 büyüme kredilerde zorunlu bir durumdu. Öyle de zorunlu da değil. Referans noktası şeklinde belirtildi. Kur üzerindeki etkisi Merkez Bankası'nın. Dolar TL kurunda ne bekliyorsun bu yıl? İlk kısmına cevap vermeyeyim mi? Hayır, iki soru sordum. İstediğine önce cevap ver.</transcript> Previously, 15 was a mandatory %.  155% growth was a compulsory situation in loans. Well, now it is not compulsory either. In other words, it was stated as a reference point and its effect on the exchange rate. What do you expect from the Central Bank's Dollar-TL exchange rate? This year, should I not answer the first part? No, no, I asked two questions. Answer what you want first.
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