import java.util.*
 
val pattern = """%NAME(\d+)%""".toRegex()
fun String.replaceWithNames(names: List<String>): String {
    return pattern.replace(this) { m ->
        names.getOrNull(m.groupValues[1].toInt()) ?: m.value
    }
}

fun main(args: Array<String>) {
    val lst = listOf("Bob", "Alice", "Tom")
    println( "Lorem ipsum %NAME0% dolor sit amet %NAME1%, consectetur %NAME2% adipiscing elit. Wrong %NAME11%".replaceWithNames(lst) )
}