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  "documentTitle": "Turkish NPL Purchasing Market Overview and the way forward",
  "authorId": "Strategy_and",
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  "notes": "Includes historical data (2010-2020) and three forecast scenarios (Macro Optimistic, Base, Conservative) for 2021-2023.",
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      "text": "Based on real GDP growth and unemployment values in our three forecast scenarios, we estimate the gross retail NPL inflow to be TRY 38-48 billion in total between 2021-2023, growing at 22.4-25.6% p.a.",
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      "text": "Historical and forecasted NPL inflow volumes",
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      "text": "Historical, Macro Optimistic, Macro Base, Macro Conservative",
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      "text": "Net Retail NPL Inflow Volume: TRY 38-48 billion",
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      "text": "Based on real GDP growth and unemployment values in our three forecast scenarios, we estimate the gross retail NPL inflow to be TRY 38-48 billion in total between 2021-2023, growing at 22.4-25.6% p.a. The retail outstanding NPL balance is estimated to reach TRY 37-42 billion as of 2023 with 15.9-19.4% growth p.a. between 2019 and 2023.",
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      "kind": "source-note",
      "text": "Source: BRSA, Audited annual financial statements and KAP (Public Disclosure Platform) disclosures of Banks, Leasing, Factoring, Financing and Asset Management Companies, IMF, Turkstat, Strategy& analysis",
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      "text": "Net Retail NPL Inflow Volume Expected Growth [TRY bn, 2010-23]",
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