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      "text": "AMC: Asset Management Company\nBAT: The Banks Association of Turkey (\"TBB\" in Turkish)\nBRSA: Banking Regulation and Supervision Agency of Turkey (\"BDDK\" in Turkish)\nCBRT: Central Bank of the Republic of Turkey (\"TCMB\" in Turkish)\nCGF: Credit Guarantee Fund (\"KGF\" in Turkish)\nECB: European Central Bank\nIFRS 9: International Financial Reporting Standard, promulgated by the International Accounting Standards Board\nKAP: Public Disclosure Platform of Turkey (where capital markets and Istanbul Stock Exchange announcements are publicly disclosed)\nNPL: Non-performing loans\nSDIF: Savings Deposit Insurance Fund (\"TMSF\" in Turkish)\nTurkstat: Turkish Statistical Institute\nUPB: Unpaid principal balance",
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