{"id":2128,"date":"2026-04-20T18:52:36","date_gmt":"2026-04-20T15:52:36","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2128"},"modified":"2026-04-20T19:15:29","modified_gmt":"2026-04-20T16:15:29","slug":"tursg-2026-03-faaliyet-raporu-analizi-trkiye-sigorta","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2128","title":{"rendered":"T\u00fcrkiye Sigorta 2026 1. \u00c7eyrek Sonu\u00e7lar\u0131: Rekor K\u00e2r ve Pazar Liderli\u011fi"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"T\u00fcrkiye Sigorta 2026 1. \u00c7eyrek Sonu\u00e7lar\u0131: Rekor K\u00e2r ve Pazar Liderli\u011fi\" width=\"858\" height=\"483\" src=\"https:\/\/www.youtube.com\/embed\/tPoMIYIHBu0?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<h2>\ud83d\udd35 TURSG 2026-03 Faaliyet Raporu Analizi | T\u00fcrkiye Sigorta<\/h2>\n<pre>\u00d6ne \u00c7\u0131kan Ba\u015fl\u0131klar\r\nPazar Liderli\u011fi ve B\u00fcy\u00fcme: T\u00fcrkiye Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde %16 pazar pay\u0131 ile sekt\u00f6rdeki lider konumunu s\u00fcrd\u00fcrm\u00fc\u015ft\u00fcr\r\n. \u015eirketin toplam prim \u00fcretimi, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %30 artarak 53,8 milyar TL seviyesine ula\u015fm\u0131\u015ft\u0131r\r\n.\r\nNet K\u00e2r Art\u0131\u015f\u0131: \u015eirket, 2025'in ilk \u00e7eyre\u011finde 4,5 milyar TL olan net k\u00e2r\u0131n\u0131, 2026'n\u0131n ayn\u0131 d\u00f6neminde %42 art\u0131rarak 6,4 milyar TL'ye \u00e7\u0131karm\u0131\u015ft\u0131r\r\n.\r\nG\u00fc\u00e7l\u00fc Finansal G\u00f6stergeler: Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 181,9 milyar TL'ye y\u00fckselirken, \u00f6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131 %50 olarak ger\u00e7ekle\u015fmi\u015ftir\r\n. Ayr\u0131ca, \u015firketin verimlili\u011fini g\u00f6steren bile\u015fik rasyo %99'dan %90'a iyile\u015fmi\u015ftir\r\n.\r\nBran\u015f Bazl\u0131 Ba\u015far\u0131: Teknik k\u00e2rl\u0131l\u0131\u011fa en y\u00fcksek katk\u0131; genel zararlar, yang\u0131n ve do\u011fal afetler ile kara ara\u00e7lar\u0131 bran\u015flar\u0131ndan sa\u011flanm\u0131\u015ft\u0131r\r\n. \u00d6zellikle nakliyat bran\u015f\u0131nda prim \u00fcretimi %103 oran\u0131nda bir art\u0131\u015f g\u00f6stermi\u015ftir\r\n.\r\nKredi ve Y\u00f6netim Notlar\u0131: JCR Eurasia Rating taraf\u0131ndan \u015firketin uzun vadeli ulusal notu AAA (tr) ve g\u00f6r\u00fcn\u00fcm\u00fc \"Stabil\" olarak teyit edilmi\u015ftir\r\n. Kurumsal y\u00f6netim derecelendirme notu ise 9,66 seviyesine y\u00fckselmi\u015ftir\r\n.\r\nOperasyonel G\u00fc\u00e7: T\u00fcrkiye genelinde 6 milyon m\u00fc\u015fteriye, 1.534 \u00e7al\u0131\u015fan ve yakla\u015f\u0131k 9.000'e yak\u0131n da\u011f\u0131t\u0131m noktas\u0131 (acente ve banka \u015fubesi) ile hizmet verilmektedir\r\n.<\/pre>\n<h1>T\u00fcrkiye Sigorta 2026 Y\u0131l\u0131 1. \u00c7eyrek Konsolide Faaliyet Raporu Bilgilendirme Dosyas\u0131<\/h1>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>Bu belge, T\u00fcrkiye Sigorta\u2019n\u0131n 1 Ocak \u2013 31 Mart 2026 d\u00f6nemini kapsayan konsolide faaliyet sonu\u00e7lar\u0131n\u0131 ve stratejik geli\u015fimini analiz etmektedir. T\u00fcrkiye\u2019nin bankac\u0131l\u0131k d\u0131\u015f\u0131 finansal sekt\u00f6r\u00fcn\u00fc g\u00fc\u00e7lendirme vizyonuyla kurulan \u015eirket, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde pazar liderli\u011fini peki\u015ftirmi\u015ftir.<\/p>\n<p><b>Kritik Ba\u015far\u0131 G\u00f6stergeleri:<\/b><\/p>\n<ul>\n<li><b>Pazar Liderli\u011fi:<\/b> 53,8 milyar TL prim \u00fcretimi ve %16 pazar pay\u0131 ile sekt\u00f6rdeki \u00f6nc\u00fc konum korunmu\u015ftur.<\/li>\n<li><b>Finansal B\u00fcy\u00fcme:<\/b> Net d\u00f6nem k\u00e2r\u0131, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %42 artarak 6,4 milyar TL\u2019ye ula\u015fm\u0131\u015ft\u0131r. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ise 181,9 milyar TL olarak kaydedilmi\u015ftir.<\/li>\n<li><b>Operasyonel Verimlilik:<\/b> Bile\u015fik rasyo %99\u2019dan %90\u2019a gerileyerek operasyonel karl\u0131l\u0131kta belirgin bir iyile\u015fme sa\u011flanm\u0131\u015ft\u0131r. \u00d6zkaynak karl\u0131l\u0131\u011f\u0131 %50 seviyesine y\u00fckselmi\u015ftir.<\/li>\n<li><b>Kurumsal G\u00fc\u00e7:<\/b> JCR Eurasia Rating taraf\u0131ndan uzun vadeli ulusal \u00f6l\u00e7ekte &#8220;AAA (tr)&#8221; notu ve &#8220;Stabil&#8221; g\u00f6r\u00fcn\u00fcm ile derecelendirilmi\u015ftir.<\/li>\n<\/ul>\n<h2>Kurumsal Profil ve Stratejik Hedefler<\/h2>\n<p>T\u00fcrkiye Sigorta, 31 A\u011fustos 2020 tarihinde Ziraat Sigorta ve Halk Sigorta\u2019n\u0131n G\u00fcne\u015f Sigorta \u00e7at\u0131s\u0131 alt\u0131nda birle\u015fmesiyle faaliyetlerine ba\u015flam\u0131\u015ft\u0131r. \u015eirket, T\u00fcrkiye Varl\u0131k Fonu\u2019nun (TVF Finansal Yat\u0131r\u0131mlar A.\u015e. \u00fczerinden %81,10 pay ile) ana hissedarl\u0131\u011f\u0131nda, kamu g\u00fcc\u00fc ve k\u00f6kl\u00fc birikimiyle hizmet vermektedir.<\/p>\n<h3>Vizyon ve De\u011ferler<\/h3>\n<p>\u015eirket, sigorta deneyimini &#8220;sonra&#8221;dan &#8220;\u00f6nce&#8221;ye ta\u015f\u0131yarak on y\u0131l i\u00e7erisinde k\u00fcresel bir teknoloji \u015firketi olarak tan\u0131nmay\u0131 hedeflemektedir. Bu vizyon; \u00f6zg\u00fcvenli, erdemli, merakl\u0131 ve duyarl\u0131 olma de\u011ferleri \u00fczerine in\u015fa edilmi\u015ftir.<\/p>\n<h3>Hizmet A\u011f\u0131 ve Sertifikasyonlar<\/h3>\n<p>6 milyon m\u00fc\u015fteriye hizmet veren \u015eirket, 1.534 \u00e7al\u0131\u015fan, 3.849 acente ve 4.942 banka \u015fubesi ile T\u00fcrkiye\u2019nin en geni\u015f hizmet a\u011flar\u0131ndan birine sahiptir. \u015eirket, kalite ve g\u00fcvenlik standartlar\u0131 kapsam\u0131nda ISO 9001, ISO 27001 ve T\u00fcrkiye&#8217;de bir \u00f6nc\u00fc olarak <b>ISO\/IEC 42001:2023 Yapay Zek\u00e2 Y\u00f6netim Sistemi<\/b> sertifikalar\u0131na sahiptir.<\/p>\n<h2>Y\u00f6netim ve Organizasyon Yap\u0131s\u0131<\/h2>\n<p>31 Mart 2026 itibar\u0131yla \u015eirketin y\u00f6netim kademesinde \u00f6nemli yap\u0131sal s\u00fcre\u00e7ler ve de\u011fi\u015fiklikler ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n<p><b>Y\u00f6netim Kurulu ve \u00dcst Y\u00f6netim:<\/b><\/p>\n<ul>\n<li><b>Genel M\u00fcd\u00fcr:<\/b> Taha \u00c7akmak (03.08.2023&#8217;ten itibaren).<\/li>\n<li><b>Y\u00f6netim Kurulu De\u011fi\u015fikli\u011fi:<\/b> 9 Nisan 2026 tarihinde Prof. Dr. Murat Akbal\u0131k g\u00f6revinden ayr\u0131lm\u0131\u015f, yerine Arif Calban atanm\u0131\u015ft\u0131r.<\/li>\n<li><b>Komite Yap\u0131lanmas\u0131:<\/b> Kurumsal Y\u00f6netim, Denetim, Riskin Erken Saptanmas\u0131 ve Bilgi Teknolojileri Y\u00f6nlendirme komiteleri arac\u0131l\u0131\u011f\u0131yla risk y\u00f6netimi ve \u015feffafl\u0131k s\u00fcre\u00e7leri y\u00fcr\u00fct\u00fclmektedir. Nisan 2026&#8217;daki de\u011fi\u015fikliklerle Denetim ve Riskin Erken Saptanmas\u0131 komitelerinin ba\u015fkanl\u0131\u011f\u0131na Ay\u015fe T\u00fcrkmeno\u011flu getirilmi\u015ftir.<\/li>\n<\/ul>\n<p><b>Ortakl\u0131k Yap\u0131s\u0131:<\/b> | Ortak | Pay Oran\u0131 | Pay Tutar\u0131 (TL) | | :&#8212; | :&#8212; | :&#8212; | | TVF Finansal Yat\u0131r\u0131mlar A.\u015e. | %81,10 | 8.110.171.893 | | Di\u011fer (Borsa \u0130stanbul) | %18,90 | 1.889.828.107 | | <b>Toplam<\/b> | <b>%100,00<\/b> | <b>10.000.000.000<\/b> | <i>(Not: 2025 Genel Kurulu&#8217;nda sermayenin 20 milyar TL&#8217;ye \u00e7\u0131kar\u0131lmas\u0131 kabul edilmi\u015f olup SPK onay\u0131 beklenmektedir.)<\/i><\/p>\n<h2>Sekt\u00f6rel Analiz: 2026 1. \u00c7eyrek Geli\u015fmeleri<\/h2>\n<p>T\u00fcrkiye Sigorta Birli\u011fi (TSB) verilerine g\u00f6re, hayat d\u0131\u015f\u0131 sigorta sekt\u00f6r\u00fc 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde y\u0131ll\u0131k bazda %27,6 b\u00fcy\u00fcyerek 340 milyar TL prim \u00fcretimine ula\u015fm\u0131\u015ft\u0131r.<\/p>\n<p><b>\u00d6ne \u00c7\u0131kan Bran\u015f Performanslar\u0131 (Sekt\u00f6r Genel):<\/b><\/p>\n<ul>\n<li><b>Genel Zararlar:<\/b> %68,2 b\u00fcy\u00fcme ile en y\u00fcksek hacimli art\u0131\u015flardan birini kaydetmi\u015ftir.<\/li>\n<li><b>Hastal\u0131k\/Sa\u011fl\u0131k:<\/b> 88,1 milyar TL \u00fcretim ile sekt\u00f6r\u00fcn en b\u00fcy\u00fck pay\u0131na (%25,9) sahiptir.<\/li>\n<li><b>Kredi Sigortalar\u0131:<\/b> %76,3 art\u0131\u015f oran\u0131 ile dikkat \u00e7eken bir b\u00fcy\u00fcme ivmesi yakalam\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>Detayl\u0131 Finansal Performans \u0130ncelemesi<\/h2>\n<p>T\u00fcrkiye Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde hem teknik hem de yat\u0131r\u0131m faaliyetlerinde g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme sergilemi\u015ftir.<\/p>\n<h3>Temel Bilan\u00e7o G\u00f6stergeleri (Milyon TL)<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>G\u00f6sterge<\/td>\n<td>2025\/12<\/td>\n<td>2026\/03<\/td>\n<td>De\u011fi\u015fim<\/td>\n<\/tr>\n<tr>\n<td>Aktif B\u00fcy\u00fckl\u00fc\u011f\u00fc<\/td>\n<td>154.658<\/td>\n<td>181.851<\/td>\n<td>%17,5<\/td>\n<\/tr>\n<tr>\n<td>\u00d6zkaynaklar<\/td>\n<td>49.646<\/td>\n<td>54.752<\/td>\n<td>%10,2<\/td>\n<\/tr>\n<tr>\n<td>Net K\u00e2r (D\u00f6nemlik)<\/td>\n<td>4.535 (2025\/03)<\/td>\n<td>6.452 (2026\/03)<\/td>\n<td>%42,3<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Teknik B\u00f6l\u00fcm Analizi<\/h3>\n<p>Teknik b\u00f6l\u00fcm dengesi, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %30 art\u0131\u015fla 6,9 milyar TL&#8217;ye y\u00fckselmi\u015ftir.<\/p>\n<ul>\n<li><b>Prim \u00dcretimi Da\u011f\u0131l\u0131m\u0131:<\/b> Toplam 53,8 milyar TL&#8217;lik \u00fcretimin lokomotif bran\u015flar\u0131; 21,1 milyar TL ile <b>Genel Zararlar<\/b> (%39,3 pay) ve 12,3 milyar TL ile <b>Yang\u0131n ve Do\u011fal Afetler<\/b> (%23 pay) olmu\u015ftur.<\/li>\n<li><b>Nakliyat Bran\u015f\u0131:<\/b> \u00dcretimini %103 art\u0131rarak en h\u0131zl\u0131 b\u00fcy\u00fcyen bran\u015flardan biri olmu\u015ftur.<\/li>\n<li><b>Hasar \u00d6demeleri:<\/b> Toplam \u00f6denen hasar 14,5 milyar TL&#8217;dir. En y\u00fcksek hasar \u00f6demesi 4,2 milyar TL (%29,2 pay) ile <b>Hastal\u0131k\/Sa\u011fl\u0131k<\/b> bran\u015f\u0131nda ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n<\/ul>\n<h3>Yat\u0131r\u0131m Faaliyetleri<\/h3>\n<ul>\n<li><b>Yat\u0131r\u0131m Gelirleri:<\/b> %15 art\u0131\u015fla 8 milyar TL olarak ger\u00e7ekle\u015fmi\u015ftir. Bu gelirlerin 7,9 milyar TL\u2019si finansal yat\u0131r\u0131mlardan elde edilmi\u015ftir.<\/li>\n<li><b>Yat\u0131r\u0131m Giderleri:<\/b> 6,7 milyar TL seviyesindedir. Bu tutar\u0131n 4,9 milyar TL\u2019lik k\u0131sm\u0131 hayat d\u0131\u015f\u0131 teknik b\u00f6l\u00fcme aktar\u0131lan yat\u0131r\u0131m gelirlerinden olu\u015fmaktad\u0131r.<\/li>\n<\/ul>\n<h2>Operasyonel Rasyolar ve Verimlilik<\/h2>\n<p>\u015eirketin finansal sa\u011fl\u0131\u011f\u0131n\u0131 g\u00f6steren oranlarda iyile\u015fme devam etmektedir:<\/p>\n<ul>\n<li><b>Hasar Prim Oran\u0131:<\/b> %76\u2019dan %67\u2019ye gerileyerek teknik karl\u0131l\u0131\u011f\u0131 desteklemi\u015ftir.<\/li>\n<li><b>Bile\u015fik Rasyo:<\/b> %90 seviyesine inerek operasyonel verimlili\u011fin artt\u0131\u011f\u0131n\u0131 kan\u0131tlam\u0131\u015ft\u0131r.<\/li>\n<li><b>Likidite Oran\u0131:<\/b> %125 ile g\u00fc\u00e7l\u00fc nakit yap\u0131s\u0131 korunmaktad\u0131r.<\/li>\n<li><b>\u00d6zkaynak Karl\u0131l\u0131\u011f\u0131:<\/b> %50 seviyesine \u00e7\u0131karak yat\u0131r\u0131mc\u0131lar i\u00e7in y\u00fcksek de\u011fer yarat\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6stermektedir.<\/li>\n<\/ul>\n<h2>\u0130\u015ftirak Yap\u0131s\u0131<\/h2>\n<p>T\u00fcrkiye Sigorta, stratejik ekosistemini i\u015ftirakleri arac\u0131l\u0131\u011f\u0131yla geni\u015fletmektedir:<\/p>\n<ul>\n<li><b>OSEM Sertifikasyon A.\u015e.:<\/b> %100 pay sahipli\u011fi.<\/li>\n<li><b>T\u00fcrk P ve I Sigorta A.\u015e.:<\/b> %50 pay sahipli\u011fi.<\/li>\n<li><b>T\u00fcrkiye Hayat ve Emeklilik A.\u015e.:<\/b> %7,36 pay sahipli\u011fi.<\/li>\n<li><b>Tar\u0131m Sigortalar\u0131 Havuz \u0130\u015fletmesi A.\u015e.:<\/b> %3,70 pay sahipli\u011fi.<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<h3 class=\"paragraph is-rich-chat-ui heading2 ng-star-inserted\" role=\"heading\" data-start-index=\"5100\" aria-level=\"2\"><span class=\"ng-star-inserted\" data-start-index=\"5100\">Temel Kavramlar S\u00f6zl\u00fc\u011f\u00fc<\/span><\/h3>\n<div class=\"paragraph is-rich-chat-ui normal ng-star-inserted\" data-start-index=\"5132\"><span class=\"ng-star-inserted\" data-start-index=\"5132\">A\u015fa\u011f\u0131daki tablo, raporda ge\u00e7en kritik finansal ve sekt\u00f6rel terimleri a\u00e7\u0131klamaktad\u0131r:<\/span><\/div>\n<table class=\"is-rich-chat-ui\" data-start-index=\"5216\">\n<tbody>\n<tr class=\"ng-star-inserted\">\n<th class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5216\"><span class=\"ng-star-inserted\" data-start-index=\"5216\">Terim<\/span><\/div>\n<\/th>\n<th class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5221\"><span class=\"ng-star-inserted\" data-start-index=\"5221\">Tan\u0131m<\/span><\/div>\n<\/th>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5226\"><b class=\"ng-star-inserted\" data-start-index=\"5226\">Bankas\u00fcrans<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5237\"><span class=\"ng-star-inserted\" data-start-index=\"5237\">Sigorta \u00fcr\u00fcnlerinin banka \u015fubeleri ve kanallar\u0131 arac\u0131l\u0131\u011f\u0131yla pazarlanmas\u0131 ve sat\u0131lmas\u0131 y\u00f6ntemidir.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5335\"><b class=\"ng-star-inserted\" data-start-index=\"5335\">Teknik B\u00f6l\u00fcm Dengesi<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5355\"><span class=\"ng-star-inserted\" data-start-index=\"5355\">Sigortac\u0131l\u0131k faaliyetlerinden elde edilen teknik gelirler ile teknik giderler aras\u0131ndaki fark\u0131 ifade eden operasyonel k\u00e2r\/zarar g\u00f6stergesidir.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5497\"><b class=\"ng-star-inserted\" data-start-index=\"5497\">Prim \u00dcretimi<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5509\"><span class=\"ng-star-inserted\" data-start-index=\"5509\">Sigorta \u015firketinin poli\u00e7e sat\u0131\u015f\u0131 kar\u015f\u0131l\u0131\u011f\u0131nda sigortal\u0131lardan tahsil etti\u011fi toplam br\u00fct tutard\u0131r.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5606\"><b class=\"ng-star-inserted\" data-start-index=\"5606\">Bile\u015fik Rasyo<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5619\"><span class=\"ng-star-inserted\" data-start-index=\"5619\">Hasar prim oran\u0131 ile masraf oran\u0131n\u0131n toplam\u0131d\u0131r; bir sigorta \u015firketinin operasyonel verimlili\u011fini \u00f6l\u00e7mek i\u00e7in kullan\u0131l\u0131r (%100&#8217;\u00fcn alt\u0131 teknik k\u00e2r\u0131 g\u00f6sterir).<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5776\"><b class=\"ng-star-inserted\" data-start-index=\"5776\">\u00d6zkaynak K\u00e2rl\u0131l\u0131\u011f\u0131 (ROE)<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5800\"><span class=\"ng-star-inserted\" data-start-index=\"5800\">Net k\u00e2r\u0131n toplam \u00f6zkaynaklara b\u00f6l\u00fcnmesiyle hesaplanan, hissedarlar\u0131n yat\u0131rd\u0131\u011f\u0131 sermayenin ne kadar verimli kullan\u0131ld\u0131\u011f\u0131n\u0131 g\u00f6steren orand\u0131r.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5939\"><b class=\"ng-star-inserted\" data-start-index=\"5939\">Aktif K\u00e2rl\u0131l\u0131k (ROA)<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"5959\"><span class=\"ng-star-inserted\" data-start-index=\"5959\">\u015eirketin toplam varl\u0131klar\u0131n\u0131 (aktiflerini) kullanarak ne kadar net k\u00e2r elde etti\u011fini g\u00f6steren verimlilik rasyosudur.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6075\"><b class=\"ng-star-inserted\" data-start-index=\"6075\">Reeskont Hesab\u0131<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6090\"><span class=\"ng-star-inserted\" data-start-index=\"6090\">Hen\u00fcz vadesi gelmemi\u015f senetli alacak ve bor\u00e7lar\u0131n de\u011ferleme g\u00fcn\u00fcndeki de\u011ferine indirgenmesi i\u015flemidir.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6192\"><b class=\"ng-star-inserted\" data-start-index=\"6192\">\u0130\u015ftirak<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6199\"><span class=\"ng-star-inserted\" data-start-index=\"6199\">Bir \u015firketin, ba\u015fka bir \u015firketin y\u00f6netimine kat\u0131lmak veya mali ba\u011f kurmak amac\u0131yla hisselerinin belirli bir k\u0131sm\u0131na sahip olmas\u0131d\u0131r.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6331\"><b class=\"ng-star-inserted\" data-start-index=\"6331\">Kambiyo K\u00e2r\u0131\/Zarar\u0131<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6350\"><span class=\"ng-star-inserted\" data-start-index=\"6350\">D\u00f6viz kurlar\u0131ndaki de\u011fi\u015fimler nedeniyle yabanc\u0131 para cinsinden varl\u0131k ve y\u00fck\u00fcml\u00fcl\u00fcklerde olu\u015fan k\u00e2r veya zarard\u0131r.<\/span><\/div>\n<\/td>\n<\/tr>\n<tr class=\"ng-star-inserted\">\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6464\"><b class=\"ng-star-inserted\" data-start-index=\"6464\">KEP (Kay\u0131tl\u0131 Elektronik Posta)<\/b><\/div>\n<\/td>\n<td class=\"ng-star-inserted\">\n<div class=\"paragraph is-rich-chat-ui table-paragraph normal ng-star-inserted\" data-start-index=\"6494\"><span class=\"ng-star-inserted\" data-start-index=\"6494\">Yasal olarak ge\u00e7erli ve g\u00fcvenli, g\u00f6nderici ve al\u0131c\u0131 kimliklerinin kan\u0131tlanabildi\u011fi elektronik posta hizmetidir.<\/span><\/div>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde de zirvedeki yerini sa\u011flamla\u015ft\u0131rd\u0131! 53,8 milyar TL prim \u00fcretimi ve %42\u2019lik net k\u00e2r art\u0131\u015f\u0131yla dikkat \u00e7eken \u015firket, %16\u2019l\u0131k pazar pay\u0131yla sekt\u00f6r liderli\u011fini koruyor. \u00d6zkaynak k\u00e2rl\u0131l\u0131\u011f\u0131n\u0131 %50\u2019ye \u00e7\u0131karan ve dijitalle\u015fme vizyonuyla &#8220;sigorta deneyimini sonradan \u00f6nceye ta\u015f\u0131yan&#8221; T\u00fcrkiye Sigorta&#8217;n\u0131n 2026 Q1 finansal performans\u0131n\u0131n ve stratejik hedeflerinin detayl\u0131 analizini bu yaz\u0131m\u0131zda bulabilirsiniz.<\/p>\n","protected":false},"author":7,"featured_media":1297,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[251],"tags":[190],"class_list":["post-2128","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faaliyetraporuanalizi","tag-tursg"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2128"}],"version-history":[{"count":3,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2128\/revisions"}],"predecessor-version":[{"id":2134,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2128\/revisions\/2134"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media\/1297"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media?parent=2128"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2128"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}