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      "text": "In the macro-base scenario, while we expect growth at lower levels for TRY loans in 2021 than in 2020, we expect mid-teens growth in 2022 and 2023.",
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      "text": "TRY loans are regressed with nominal GDP growth in addition to analyst views\nFX loans are driven by historical FX loan growth and analyst views",
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      "text": "In the macro-optimistic scenario, for TRY forecasts we expect mid-teens growth per annum between 2021-2023. We assume FX loans to be stagnant in 2021 and grow by 10% year-on-year in the following years of 2022 and 2023. In the macro-conservative scenario, for TRY loans, up to 7% growth in 2021 and mid-teens growth for the following years is expected. Whereas for FX loans, a 20% decline is anticipated for 2021 with a 5% shrinkage per annum in the years after.",
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      "text": "For the performing loan balance growth: In the macro-base scenario, while we expect growth at lower levels for TRY loans in 2021 than in 2020, we expect mid-teens growth in 2022 and 2023. For FX loans, negative growth is expected in 2021 and we anticipate a ~5% growth per annum in the following years of 2022 and 2023.",
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      "text": "Gross loans are composed of performing and non-performing loans recorded by banks and non-bank financial institutions. The performing side of the gross loan balance are influenced by the following assumptions:",
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      "text": "Gross Loan Balance Expected Growth",
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