{"id":2227,"date":"2026-04-29T00:44:35","date_gmt":"2026-04-28T21:44:35","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2227"},"modified":"2026-04-29T00:45:09","modified_gmt":"2026-04-28T21:45:09","slug":"raysg-2026-03-faaliyet-raporu-analizi-ray-sigorta","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2227","title":{"rendered":"\ud83d\udd35 RAYSG 2026-03 Faaliyet Raporu Analizi | Ray Sigorta"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"\ud83d\udd35 RAYSG 2026-03 Faaliyet Raporu Analizi | Ray Sigorta\" width=\"858\" height=\"644\" src=\"https:\/\/www.youtube.com\/embed\/jG0amXQ3yV8?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<h1>Ray Sigorta 2026 Y\u0131l\u0131 Birinci \u00c7eyrek Faaliyet Raporu Analizi<\/h1>\n<h2>Y\u00f6netici \u00d6zeti<\/h2>\n<p>Bu belge, Ray Sigorta A.\u015e.&#8217;nin 1 Ocak 2026 \u2013 31 Mart 2026 d\u00f6nemini kapsayan birinci \u00e7eyrek finansal sonu\u00e7lar\u0131n\u0131 ve kurumsal faaliyetlerini analiz etmektedir. Sigorta sekt\u00f6r\u00fcnde 67. y\u0131l\u0131n\u0131 geride b\u0131rakan Ray Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00fc\u00e7 ay\u0131nda <b>11.217.023.051 TL<\/b> br\u00fct prim \u00fcretimi ger\u00e7ekle\u015ftirerek ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %10,65 oran\u0131nda bir b\u00fcy\u00fcme kaydetmi\u015ftir.<\/p>\n<p>\u015eirket, 2026&#8217;n\u0131n ilk \u00e7eyre\u011finde <b>912.071.352 TL<\/b> net d\u00f6nem k\u00e2r\u0131 elde etmi\u015ftir. Toplam aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc 42,2 milyar TL&#8217;yi a\u015farken, \u00f6zkaynaklar 9,3 milyar TL seviyesine ula\u015fm\u0131\u015ft\u0131r. Vienna Insurance Group (VIG) \u00e7at\u0131s\u0131 alt\u0131nda faaliyet g\u00f6steren \u015firket, g\u00fc\u00e7l\u00fc ortakl\u0131k yap\u0131s\u0131, geni\u015f da\u011f\u0131t\u0131m kanal\u0131 a\u011f\u0131 ve dijital d\u00f6n\u00fc\u015f\u00fcm odakl\u0131 vizyonuyla sekt\u00f6rdeki konumunu korumaktad\u0131r.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>Kurumsal Profil ve Operasyonel Yap\u0131<\/h2>\n<p>Ray Sigorta, geni\u015f bir hizmet a\u011f\u0131 ve g\u00fc\u00e7l\u00fc bir insan kayna\u011f\u0131 ile faaliyetlerini s\u00fcrd\u00fcrmektedir.<\/p>\n<h3>Operasyonel A\u011f ve \u0130nsan Kaynaklar\u0131<\/h3>\n<ul>\n<li><b>\u00c7al\u0131\u015fan Say\u0131s\u0131:<\/b> \u00c7a\u011fr\u0131 merkezi dahil toplam 494 \u00e7al\u0131\u015fan.<\/li>\n<li><b>B\u00f6lge M\u00fcd\u00fcrl\u00fckleri:<\/b> Toplam 10 adet (\u0130stanbul Avrupa, Bat\u0131 \u0130stanbul ve Trakya, Anadolu, Anadolu-2, Ankara, \u0130zmir, Adana, Bursa, Antalya, Samsun).<\/li>\n<li><b>Da\u011f\u0131t\u0131m Kanallar\u0131:<\/b> 2.935 acente, 134 acente \u015fubesi, 138 broker, 9 broker \u015fubesi ve Fibabanka ile BNP Paribas Finansal Kiralama A.\u015e. arac\u0131l\u0131\u011f\u0131yla hizmet sunulmaktad\u0131r.<\/li>\n<li><b>Hizmet Noktalar\u0131:<\/b> 1.603 anla\u015fmal\u0131 oto servisi, 1.154 cam servisi ve 4.773 anla\u015fmal\u0131 sa\u011fl\u0131k kurumu.<\/li>\n<\/ul>\n<h3>Ortakl\u0131k Yap\u0131s\u0131<\/h3>\n<p>\u015eirketin sermayesi Vienna Insurance Group AG i\u015ftiraklerinin a\u011f\u0131rl\u0131kl\u0131 kontrol\u00fcndedir:<\/p>\n<ul>\n<li><b>ATBIH GmbH:<\/b> %81,59<\/li>\n<li><b>Vienna Insurance Group AG:<\/b> %12,67<\/li>\n<li><b>LVP Holding GmbH:<\/b> %0,70<\/li>\n<li><b>VIG Grubu Toplam Pay\u0131:<\/b> %94,96<\/li>\n<li><b>Halka A\u00e7\u0131k K\u0131s\u0131m (Borsa \u0130stanbul):<\/b> %5,04<\/li>\n<\/ul>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>Finansal Performans Analizi (Q1 2026)<\/h2>\n<p>2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde prim \u00fcretimi ve k\u00e2rl\u0131l\u0131k kalemlerinde \u00f6nemli veriler elde edilmi\u015ftir.<\/p>\n<h3>Bran\u015f Baz\u0131nda Br\u00fct Prim \u00dcretimi Kar\u015f\u0131la\u015ft\u0131rmas\u0131<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Bran\u015f<\/td>\n<td>31.03.2025 (TL)<\/td>\n<td>31.03.2026 (TL)<\/td>\n<td>De\u011fi\u015fim (%)<\/td>\n<\/tr>\n<tr>\n<td><b>Hastal\u0131k\/Sa\u011fl\u0131k<\/b><\/td>\n<td>136.811.052<\/td>\n<td>328.297.674<\/td>\n<td>%139,96<\/td>\n<\/tr>\n<tr>\n<td><b>Genel Zararlar<\/b><\/td>\n<td>1.563.975.873<\/td>\n<td>2.884.904.591<\/td>\n<td>%84,46<\/td>\n<\/tr>\n<tr>\n<td><b>Kara Ara\u00e7lar\u0131<\/b><\/td>\n<td>1.051.105.198<\/td>\n<td>1.641.146.031<\/td>\n<td>%56,14<\/td>\n<\/tr>\n<tr>\n<td><b>Yang\u0131n ve Do\u011fal Afetler<\/b><\/td>\n<td>2.182.056.476<\/td>\n<td>2.764.568.879<\/td>\n<td>%26,70<\/td>\n<\/tr>\n<tr>\n<td><b>Nakliyat<\/b><\/td>\n<td>186.219.219<\/td>\n<td>265.927.272<\/td>\n<td>%42,80<\/td>\n<\/tr>\n<tr>\n<td><b>Kara\/Hava Ara\u00e7lar\u0131 Sorumluluk<\/b><\/td>\n<td>4.145.911.147<\/td>\n<td>2.494.059.296<\/td>\n<td>-%39,84<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam (Br\u00fct)<\/b><\/td>\n<td><b>10.137.343.547<\/b><\/td>\n<td><b>11.217.023.051<\/b><\/td>\n<td><b>%10,65<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>Temel Finansal G\u00f6stergeler (\u00d6zet)<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Kalem<\/td>\n<td>31.03.2026 (TL)<\/td>\n<td>2025 Y\u0131l Sonu (TL)<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Aktifler<\/b><\/td>\n<td>42.295.377.571<\/td>\n<td>41.036.601.385<\/td>\n<\/tr>\n<tr>\n<td><b>\u00d6zkaynaklar<\/b><\/td>\n<td>9.346.162.322<\/td>\n<td>8.440.703.470<\/td>\n<\/tr>\n<tr>\n<td><b>Net Prim \u00dcretimi<\/b><\/td>\n<td>4.484.481.114<\/td>\n<td>27.475.350.031 (Y\u0131ll\u0131k)<\/td>\n<\/tr>\n<tr>\n<td><b>Net D\u00f6nem K\u00e2r\u0131<\/b><\/td>\n<td>912.071.352<\/td>\n<td>3.737.213.074 (Y\u0131ll\u0131k)<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>Y\u00f6netim ve Kurumsal Y\u00f6netim<\/h2>\n<p>Ray Sigorta, Kurumsal Y\u00f6netim \u0130lkeleri&#8217;ne (e\u015fitlik, \u015feffaffl\u0131k, hesap verebilirlik, sorumluluk) azami uyum sa\u011flamaktad\u0131r. 2026&#8217;n\u0131n ilk \u00e7eyre\u011finde KAP \u00fczerinden 14 adet a\u00e7\u0131klama yap\u0131lm\u0131\u015ft\u0131r.<\/p>\n<h3>Y\u00f6netim Kurulu Yap\u0131s\u0131<\/h3>\n<p>Y\u00f6netim Kurulu, geni\u015f deneyime sahip profesyonellerden olu\u015fmaktad\u0131r:<\/p>\n<ul>\n<li><b>Gerhard Lahner:<\/b> Y\u00f6netim Kurulu Ba\u015fkan\u0131.<\/li>\n<li><b>Koray Erdo\u011fan:<\/b> Y\u00f6netim Kurulu Ba\u015fkan Vekili ve Genel M\u00fcd\u00fcr (CEO).<\/li>\n<li><b>Johannes Martin Hartmann:<\/b> Y\u00f6netim Kurulu Ba\u015fkan Vekili.<\/li>\n<li><b>Ba\u011f\u0131ms\u0131z \u00dcyeler:<\/b> Andreas Haschka (Denetim Komitesi B\u015fk.), Kemal Uzunaksu, Serkan Akman, Barbara Hagen, Memet Serhat Y\u00fccel.<\/li>\n<\/ul>\n<p>Genel M\u00fcd\u00fcr hari\u00e7 Y\u00f6netim Kurulu \u00fcyelerinin g\u00f6rev s\u00fcreleri May\u0131s 2028&#8217;e kadar devam etmektedir.<\/p>\n<p>&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8211;<\/p>\n<h2>Tarihsel Geli\u015fim ve Stratejik Ba\u015far\u0131lar<\/h2>\n<p>1958 y\u0131l\u0131nda ulusal ta\u015f\u0131mac\u0131l\u0131k \u015firketleri (THY, PTT, TCDD, Denizcilik \u0130\u015fletmeleri) taraf\u0131ndan kurulan Ray Sigorta, y\u0131llar i\u00e7inde \u00f6nemli d\u00f6n\u00fc\u015f\u00fcmler ge\u00e7irmi\u015ftir:<\/p>\n<ul>\n<li><b>1992-2007:<\/b> Do\u011fan Holding taraf\u0131ndan \u00f6zelle\u015ftirildi ve ard\u0131ndan Vienna Insurance Group (VIG) b\u00fcnyesine kat\u0131ld\u0131.<\/li>\n<li><b>2018-2021:<\/b> Brand Finance taraf\u0131ndan &#8220;T\u00fcrkiye&#8217;nin En De\u011ferli 100 Markas\u0131&#8221; aras\u0131nda &#8220;A+&#8221; derecesiyle yer ald\u0131.<\/li>\n<li><b>2020-2025:<\/b> \u00dcst \u00fcste &#8220;Great Place to Work&#8221; ve &#8220;En \u0130yi \u0130\u015fverenler&#8221; listelerine girdi.<\/li>\n<li><b>Dijital ve \u0130novasyon:<\/b>\n<ul>\n<li>2024 y\u0131l\u0131nda &#8220;Ba\u015ftan A\u015fa\u011f\u0131 Tamamlayan Sa\u011fl\u0131k Sigortas\u0131&#8221; ile PSM Awards&#8217;ta G\u00fcm\u00fc\u015f \u00d6d\u00fcl kazand\u0131.<\/li>\n<li>2025 y\u0131l\u0131nda Ray eXpress mobil uygulamas\u0131 ile &#8220;Stevie Awards&#8221; Alt\u0131n \u00f6d\u00fcl\u00fcne lay\u0131k g\u00f6r\u00fcld\u00fc.<\/li>\n<li>2025 y\u0131l\u0131nda &#8220;The One Awards&#8221; taraf\u0131ndan sigorta kategorisinde &#8220;En \u0130tibarl\u0131 Marka&#8221; se\u00e7ildi.<\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<h2>Vizyon ve Misyon<\/h2>\n<p>Ray Sigorta&#8217;n\u0131n vizyonu; g\u00fcvenilir, \u00e7\u00f6z\u00fcm odakl\u0131, dijital d\u00f6n\u00fc\u015f\u00fcm\u00fcn\u00fc tamamlam\u0131\u015f ve s\u00fcrd\u00fcr\u00fclebilir b\u00fcy\u00fcme sa\u011flayan \u00f6nc\u00fc bir \u015firket olmakt\u0131r. Temel misyonu ise hayat d\u0131\u015f\u0131 sigortac\u0131l\u0131k sekt\u00f6r\u00fcnde ilk 6 \u015firket aras\u0131nda yer alarak payda\u015flar\u0131 i\u00e7in de\u011fer yaratmakt\u0131r.<\/p>\n<button class=\"simplefavorite-button\" data-postid=\"2227\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorile <i class=<\/button>","protected":false},"excerpt":{"rendered":"<p>Ray Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde 11 milyar TL\u2019yi a\u015fan prim \u00fcretimiyle b\u00fcy\u00fcme ivmesini koruyor. Sekt\u00f6rde 67 y\u0131l\u0131 geride b\u0131rakan \u015firket, \u00f6zellikle sa\u011fl\u0131k ve genel zararlar bran\u015flar\u0131ndaki rekor art\u0131\u015flarla dikkat \u00e7ekiyor. 912 milyon TL net k\u00e2r a\u00e7\u0131klanan bu d\u00f6nemde, dijital d\u00f6n\u00fc\u015f\u00fcm ve m\u00fc\u015fteri memnuniyeti odakl\u0131 vizyon \u00f6n plana \u00e7\u0131k\u0131yor. Vienna Insurance Group (VIG) g\u00fcc\u00fcyle desteklenen Ray Sigorta; 10 b\u00f6lge m\u00fcd\u00fcrl\u00fc\u011f\u00fc ve binlerce i\u015f orta\u011f\u0131yla T\u00fcrkiye genelinde de\u011fer yaratmaya devam ediyor. Finansal tablolar\u0131n detaylar\u0131 ve \u015firketin gelecek hedefleri hakk\u0131nda haz\u0131rlad\u0131\u011f\u0131m\u0131z bu analiz, yat\u0131r\u0131mc\u0131lar ve sigorta sekt\u00f6r\u00fc takip\u00e7ileri i\u00e7in \u00f6nemli veriler sunuyor.<\/p>\n","protected":false},"author":3,"featured_media":1297,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[251],"tags":[321],"class_list":["post-2227","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-faaliyetraporuanalizi","tag-raysg"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2227","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\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2227"}],"version-history":[{"count":1,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2227\/revisions"}],"predecessor-version":[{"id":2228,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2227\/revisions\/2228"}],"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=2227"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2227"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2227"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}