Realizing that, the trend of credit growth in 2011 - 2014 is a downward trend, from 14.2% in 2011 to 8.85% in 2012, in 2013 and 2014 12:51% is 12%. The first half of 2015 was only 6 credit growth: 28%, 2015 Grew Strongly second half again (Reaching 17%).
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