T\u00fcrkiye Sigorta Birli\u011fi (TSB), sekt\u00f6r\u00fcn 2025 y\u0131l\u0131na ait net kar\u0131n\u0131n %63 art\u0131\u015fla 168 milyar liraya y\u00fckselece\u011fini a\u00e7\u0131klad\u0131. Birlik, Aral\u0131k 2025 d\u00f6nemi mali tablolar\u0131n\u0131 kamuoyuyla payla\u015ft\u0131.<\/p>\n
Verilere g\u00f6re, sekt\u00f6rde br\u00fct yaz\u0131lan primler %46 art\u0131\u015fla 1,2 trilyon lira seviyesine ula\u015ft\u0131. Enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f reel art\u0131\u015f ise %11 olarak kaydedildi. Hayat d\u0131\u015f\u0131 bran\u015flarda son \u00e7eyrekte yaz\u0131lan prim \u00fcretimi, y\u0131l\u0131n zirve noktas\u0131na ula\u015ft\u0131. Toplam prim \u00fcretiminin %68’i ilk 10 \u015firket taraf\u0131ndan ger\u00e7ekle\u015ftirildi.<\/p>\n
Sekt\u00f6r\u00fcn finansal b\u00fcy\u00fckl\u00fc\u011f\u00fcnde de \u00f6nemli bir art\u0131\u015f g\u00f6zlemlendi. \u00d6zsermaye b\u00fcy\u00fckl\u00fc\u011f\u00fc 435 milyar liraya, aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 3,8 trilyon liraya y\u00fckseldi. Yat\u0131r\u0131m gelirlerinin katk\u0131s\u0131yla b\u00fcy\u00fcme oranlar\u0131 %64-68 aral\u0131\u011f\u0131nda ger\u00e7ekle\u015fti. Teknik kar, genel olarak %86 artarak 192,5 milyar liraya ula\u015ft\u0131. Hayat d\u0131\u015f\u0131 bran\u015flar %84 art\u0131\u015fla 154,7 milyar lira teknik kar \u00fcretirken, hayat bran\u015f\u0131 %103 art\u0131\u015fla 37 milyar liraya ula\u015ft\u0131. Ancak emeklilik bran\u015f\u0131nda teknik kar %44 gerileyerek yakla\u015f\u0131k 800 milyon lira seviyesine d\u00fc\u015ft\u00fc.<\/p>\n
Teknik karl\u0131l\u0131\u011f\u0131n yat\u0131r\u0131m gelirlerine ba\u011f\u0131ml\u0131l\u0131\u011f\u0131 artmaya devam ederken, teknik olmayan b\u00f6l\u00fcmden teknik b\u00f6l\u00fcme aktar\u0131lan yat\u0131r\u0131m gelirleri %73 oran\u0131nda b\u00fcy\u00fcd\u00fc. Faaliyet giderlerindeki art\u0131\u015f ise %63 ile prim \u00fcretimindeki %46’l\u0131k art\u0131\u015f\u0131n \u00fczerinde ger\u00e7ekle\u015fti. Sekt\u00f6r\u00fcn d\u00f6nem net kar\u0131 %63 artarak 168 milyar liraya \u00e7\u0131kt\u0131 ve reel art\u0131\u015f %25 seviyesinde kaydedildi. Toplam sermaye b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 10,1 milyar dolara ula\u015ft\u0131.<\/p>\n
Sermaye yeterlili\u011fi g\u00f6stergelerindeki iyile\u015fme dikkat \u00e7ekti. Hayat d\u0131\u015f\u0131 sekt\u00f6r i\u00e7in sermaye yeterlilik oran\u0131, 2022 y\u0131l\u0131nda %106 seviyelerine kadar gerilerken, 2025 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finde %174’e y\u00fckseldi. Aktif karl\u0131l\u0131\u011f\u0131 ise hayat d\u0131\u015f\u0131 sekt\u00f6rde %10, hayat ve emeklilik sekt\u00f6r\u00fcnde %16 seviyelerinde ger\u00e7ekle\u015fti.<\/p>\n
Operasyonel performans g\u00f6stergelerine g\u00f6re, hayat d\u0131\u015f\u0131 sekt\u00f6rde net hasar prim oran\u0131 %80, net bile\u015fik oran %108 olarak hesapland\u0131. Trafik bran\u015f\u0131nda bu oranlar s\u0131ras\u0131yla %138 ve %156 seviyelerine ula\u015ft\u0131. Trafik bran\u015f\u0131nda rezerv oran\u0131nda bir d\u00fc\u015f\u00fc\u015f g\u00f6zlemlendi. \u0130lk 10 \u015firket ile di\u011fer \u015firketler aras\u0131ndaki rezerv oran\u0131 fark\u0131 ise yakla\u015f\u0131k 30 baz puanla sabit kald\u0131.<\/p>\n
Sekt\u00f6r\u00fcn karl\u0131l\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan 2025 y\u0131l\u0131n\u0131n son \u00e7eyre\u011finde trafik bran\u015f\u0131 hari\u00e7 sigortac\u0131l\u0131k kar\u0131, ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %42 art\u0131\u015f g\u00f6sterdi. Trafik bran\u015f\u0131 dahil edildi\u011finde ise bu art\u0131\u015f %151’e y\u00fckseldi. Kasko ve \u0130MM bran\u015flar\u0131nda sigortac\u0131l\u0131k kar\u0131 y\u0131lba\u015f\u0131ndan bu yana %87 artarken, sa\u011fl\u0131k bran\u015f\u0131 %33’l\u00fck bir art\u0131\u015f kaydetti.<\/p>\n
Bireysel emeklilik taraf\u0131nda fon b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki art\u0131\u015f dikkat \u00e7ekti. Ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6neminde 1 trilyon 227 milyar lira olan BES fon b\u00fcy\u00fckl\u00fc\u011f\u00fc, bir y\u0131l i\u00e7inde %76 artarak 2 trilyon 163 milyar liraya ula\u015ft\u0131. Ancak emeklilik teknik kar\u0131 %44 geriledi. Fon i\u015fletim gideri gelirleri, teknik gelirlerin %77’sini olu\u015ftururken, son d\u00f6nemde bu oran %68 seviyesine d\u00fc\u015ft\u00fc.<\/p>\n
TSB Ba\u015fkan\u0131 U\u011fur G\u00fclen, sigorta sekt\u00f6r\u00fcn\u00fcn g\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131n\u0131 koruyarak b\u00fcy\u00fcmeye devam etti\u011fini ifade etti. G\u00fclen, hayat d\u0131\u015f\u0131 bran\u015flarda prim \u00fcretiminin son \u00e7eyrekte en y\u00fcksek seviyelere ula\u015fmas\u0131n\u0131n sekt\u00f6rdeki dinamizmi g\u00f6sterdi\u011fini belirtti. Ayr\u0131ca, bireysel emeklilik sistemindeki fon b\u00fcy\u00fckl\u00fc\u011f\u00fcndeki art\u0131\u015f\u0131n da \u00f6nemine de\u011finerek, bu durumun sistemin tasarruf ekosistemindeki rol\u00fcn\u00fc g\u00fc\u00e7lendirdi\u011fini vurgulad\u0131.<\/p>\n","protected":false},"excerpt":{"rendered":"
T\u00fcrkiye Sigorta Birli\u011fi, sigorta sekt\u00f6r\u00fcn\u00fcn 2025 y\u0131l\u0131 net kar\u0131n\u0131n %63 artarak 168 milyar liraya ula\u015faca\u011f\u0131n\u0131 duyurdu. Sekt\u00f6rdeki br\u00fct yaz\u0131lan primler ise %46 art\u0131\u015fla 1,2 trilyon liraya \u00e7\u0131kt\u0131.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"manset":[],"class_list":["post-960","post","type-post","status-publish","format-standard","hentry","category-ekonomi"],"_links":{"self":[{"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/posts\/960","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/comments?post=960"}],"version-history":[{"count":0,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/posts\/960\/revisions"}],"wp:attachment":[{"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/media?parent=960"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/categories?post=960"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/tags?post=960"},{"taxonomy":"manset","embeddable":true,"href":"https:\/\/gastronomigundemi.com\/index.php\/wp-json\/wp\/v2\/manset?post=960"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}