{"id":2309,"date":"2026-05-02T12:38:10","date_gmt":"2026-05-02T09:38:10","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2309"},"modified":"2026-05-02T12:38:38","modified_gmt":"2026-05-02T09:38:38","slug":"ansgr-2026-03-bilano-analizi-anadolu-anonim-trk-sigorta-irketi","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2309","title":{"rendered":"\ud83d\udd34 ANSGR 2026-03 Bilan\u00e7o Analizi | Anadolu Anonim T\u00fcrk Sigorta \u015eirketi"},"content":{"rendered":"<h1>Anadolu Anonim T\u00fcrk Sigorta \u015eirketi 31 Mart 2026 Konsolide Finansal Raporu Bilgi Notu<\/h1>\n<p>Bu belge, Anadolu Anonim T\u00fcrk Sigorta \u015eirketi&#8217;nin (&#8220;\u015eirket&#8221;) 31 Mart 2026 tarihinde sona eren hesap d\u00f6nemine ait konsolide finansal tablolar\u0131n\u0131 ve ilgili dipnotlar\u0131n\u0131 sentezleyen kapsaml\u0131 bir \u00f6zet sunmaktad\u0131r. Rapor, \u015eirket&#8217;in finansal durumunu, faaliyet sonu\u00e7lar\u0131n\u0131 ve uygulad\u0131\u011f\u0131 muhasebe politikalar\u0131n\u0131 detayland\u0131rmaktad\u0131r.<\/p>\n<h2>1. Y\u00f6netici \u00d6zeti<\/h2>\n<p>Anadolu Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde varl\u0131k yap\u0131s\u0131n\u0131 g\u00fc\u00e7lendirmeye devam etmi\u015f ve istikrarl\u0131 bir teknik performans sergilemi\u015ftir.<\/p>\n<ul>\n<li><b>Finansal B\u00fcy\u00fckl\u00fck:<\/b> 31 Mart 2026 itibar\u0131yla \u015eirket&#8217;in toplam varl\u0131klar\u0131 <b>141,59 milyar TL<\/b>&#8216;ye ula\u015fm\u0131\u015ft\u0131r (31 Aral\u0131k 2025: 128,69 milyar TL).<\/li>\n<li><b>Net D\u00f6nem Kar\u0131:<\/b> \u015eirket, 1 Ocak \u2013 31 Mart 2026 d\u00f6neminde <b>3,46 milyar TL<\/b> net kar elde etmi\u015ftir.<\/li>\n<li><b>Teknik Performans:<\/b> Hayat d\u0131\u015f\u0131 teknik b\u00f6l\u00fcm dengesi, bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re art\u0131\u015f g\u00f6stererek <b>4,75 milyar TL<\/b> seviyesinde ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n<li><b>\u00d6zsermaye Yap\u0131s\u0131:<\/b> Toplam \u00f6zsermaye, 2,75 milyar TL&#8217;lik temett\u00fc da\u011f\u0131t\u0131m\u0131n\u0131n ard\u0131ndan <b>35,29 milyar TL<\/b> olarak kaydedilmi\u015ftir.<\/li>\n<li><b>Sermaye Payda\u015fl\u0131\u011f\u0131:<\/b> \u015eirket, T\u00fcrkiye \u0130\u015f Bankas\u0131 A.\u015e. grubu b\u00fcnyesinde olup, Milli Reas\u00fcrans T.A.\u015e. %57,31 pay ile ana ortakt\u0131r.<\/li>\n<\/ul>\n<h2>2. Kurumsal Yap\u0131 ve Faaliyet Alan\u0131<\/h2>\n<p>\u015eirket, T\u00fcrkiye&#8217;de &#8220;Anonim \u015eirket&#8221; stat\u00fcs\u00fcnde faaliyet g\u00f6stermekte olup halka a\u00e7\u0131k bir kurulu\u015ftur (BIST&#8217;te i\u015flem g\u00f6rmektedir).<\/p>\n<ul>\n<li><b>Faaliyet Bran\u015flar\u0131:<\/b> Kaza, hastal\u0131k-sa\u011fl\u0131k, kara\/hava\/su ara\u00e7lar\u0131, nakliyat, yang\u0131n ve do\u011fal afetler, genel sorumluluk, kredi, kefalet ve hukuksal koruma dahil olmak \u00fczere hemen hemen t\u00fcm hayat d\u0131\u015f\u0131 bran\u015flarda faaliyet g\u00f6stermektedir.<\/li>\n<li><b>Da\u011f\u0131t\u0131m A\u011f\u0131:<\/b> 31 Mart 2026 itibar\u0131yla 3.174 yetkili, 143 yetkisiz olmak \u00fczere toplam <b>3.317 acente<\/b> ile \u00e7al\u0131\u015fmaktad\u0131r.<\/li>\n<li><b>\u0130nsan Kaynaklar\u0131:<\/b> D\u00f6nem i\u00e7inde \u00e7al\u0131\u015fan ortalama personel say\u0131s\u0131 1.844&#8217;t\u00fcr.<\/li>\n<li><b>Konsolidasyon:<\/b> Finansal tablolar, \u015eirket&#8217;in %20 paya sahip oldu\u011fu i\u015ftiraki <b>Anadolu Hayat Emeklilik A.\u015e.<\/b>&#8216;yi \u00f6zkaynak y\u00f6ntemiyle i\u00e7ermektedir.<\/li>\n<\/ul>\n<h2>3. Finansal Durum Analizi (Bilan\u00e7o)<\/h2>\n<p>\u015eirket&#8217;in varl\u0131k ve y\u00fck\u00fcml\u00fcl\u00fck yap\u0131s\u0131ndaki temel de\u011fi\u015fimler a\u015fa\u011f\u0131da \u00f6zetlenmi\u015ftir:<\/p>\n<h3>Varl\u0131k Yap\u0131s\u0131 (Se\u00e7ilmi\u015f Kalemler)<\/h3>\n<table border=\"1\">\n<tbody>\n<tr>\n<td>Varl\u0131k Kalemi<\/td>\n<td>31 Mart 2026 (TL)<\/td>\n<td>31 Aral\u0131k 2025 (TL)<\/td>\n<\/tr>\n<tr>\n<td><b>Nakit ve Nakit Benzerleri<\/b><\/td>\n<td>38.996.409.859<\/td>\n<td>34.039.827.544<\/td>\n<\/tr>\n<tr>\n<td><b>Finansal Varl\u0131klar<\/b><\/td>\n<td>53.420.258.779<\/td>\n<td>54.020.295.698<\/td>\n<\/tr>\n<tr>\n<td><b>Esas Faaliyetlerden Alacaklar<\/b><\/td>\n<td>30.355.932.627<\/td>\n<td>27.608.828.817<\/td>\n<\/tr>\n<tr>\n<td><b>Toplam Varl\u0131klar<\/b><\/td>\n<td><b>141.586.077.989<\/b><\/td>\n<td><b>128.693.250.391<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li><b>Finansal Yat\u0131r\u0131mlar:<\/b> Al\u0131m sat\u0131m ama\u00e7l\u0131 finansal varl\u0131klar 31,01 milyar TL, sat\u0131lmaya haz\u0131r finansal varl\u0131klar ise 22,41 milyar TL seviyesindedir.<\/li>\n<li><b>Maddi Varl\u0131klar:<\/b> Toplam 1,31 milyar TL de\u011ferindeki maddi varl\u0131klar\u0131n 738,2 milyon TL&#8217;si yat\u0131r\u0131m ama\u00e7l\u0131 gayrimenkullerden olu\u015fmaktad\u0131r.<\/li>\n<\/ul>\n<h3>Y\u00fck\u00fcml\u00fcl\u00fckler ve \u00d6zsermaye<\/h3>\n<ul>\n<li><b>K\u0131sa Vadeli Y\u00fck\u00fcml\u00fcl\u00fckler:<\/b> 103,62 milyar TL (Toplam y\u00fck\u00fcml\u00fcl\u00fcklerin b\u00fcy\u00fck \u00e7o\u011funlu\u011funu olu\u015fturmaktad\u0131r).<\/li>\n<li><b>Sigortac\u0131l\u0131k Teknik Kar\u015f\u0131l\u0131klar\u0131 (Net):<\/b> K\u0131sa vadede 81,3 milyar TL seviyesindedir.<\/li>\n<li><b>\u00d6denmi\u015f Sermaye:<\/b> 2.000.000.000 TL (Nominal).<\/li>\n<li><b>Kar Yedekleri:<\/b> 28,27 milyar TL&#8217;ye y\u00fckselmi\u015ftir.<\/li>\n<\/ul>\n<h2>4. Teknik Faaliyet Sonu\u00e7lar\u0131 (Gelir Tablosu)<\/h2>\n<p>Hayat d\u0131\u015f\u0131 teknik b\u00f6l\u00fcm, \u015eirket&#8217;in operasyonel karl\u0131l\u0131\u011f\u0131n\u0131n ana merkezidir.<\/p>\n<ul>\n<li><b>Yaz\u0131lan Br\u00fct Primler:<\/b> 1 Ocak \u2013 31 Mart 2026 d\u00f6neminde <b>29,57 milyar TL<\/b> br\u00fct prim \u00fcretilmi\u015ftir (2025 ayn\u0131 d\u00f6nemi: 23,19 milyar TL).<\/li>\n<li><b>Kazan\u0131lm\u0131\u015f Primler (Net):<\/b> 19,17 milyar TL.<\/li>\n<li><b>Ger\u00e7ekle\u015fen Tazminatlar (Net):<\/b> 15,60 milyar TL.<\/li>\n<li><b>Faaliyet Giderleri:<\/b> Teknik b\u00f6l\u00fcme yans\u0131yan faaliyet giderleri 5,65 milyar TL&#8217;dir.<\/li>\n<li><b>Yat\u0131r\u0131m Gelirleri:<\/b> Teknik olmayan b\u00f6l\u00fcmden teknik b\u00f6l\u00fcme 7,59 milyar TL yat\u0131r\u0131m geliri aktar\u0131lm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>5. Teknik Kar\u015f\u0131l\u0131klar ve Risk Y\u00f6netimi<\/h2>\n<p>Sigortac\u0131l\u0131k faaliyetlerinin do\u011fas\u0131 gere\u011fi ayr\u0131lan kar\u015f\u0131l\u0131klar \u015eirket&#8217;in en b\u00fcy\u00fck y\u00fck\u00fcml\u00fcl\u00fck kalemleridir.<\/p>\n<ul>\n<li><b>Kazan\u0131lmam\u0131\u015f Primler Kar\u015f\u0131l\u0131\u011f\u0131 (KPK):<\/b> Br\u00fct 55,90 milyar TL (Net 47,22 milyar TL).<\/li>\n<li><b>Muallak Tazminat Kar\u015f\u0131l\u0131\u011f\u0131:<\/b> Tahakkuk etmi\u015f ancak \u00f6denmemi\u015f hasarlar ile ger\u00e7ekle\u015fmi\u015f ancak rapor edilmemi\u015f hasarlar (IBNR) i\u00e7in br\u00fct 45,88 milyar TL kar\u015f\u0131l\u0131k ayr\u0131lm\u0131\u015ft\u0131r.\n<ul>\n<li><b>IBNR:<\/b> Akt\u00fceryal zincirleme merdiven y\u00f6ntemiyle hesaplanan net IBNR tutar\u0131 36,19 milyar TL&#8217;dir.<\/li>\n<li><b>\u0130skonto:<\/b> Muallak tazminat kar\u015f\u0131l\u0131klar\u0131 <b>%29<\/b> iskonto oran\u0131na tabi tutulmu\u015f; net iskonto tutar\u0131 24,59 milyar TL olarak hesaplanm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<\/li>\n<li><b>Devam Eden Riskler Kar\u015f\u0131l\u0131\u011f\u0131 (DERK):<\/b> Beklenen hasar\/prim oranlar\u0131n\u0131n %95&#8217;i (baz\u0131 y\u00f6ntemlerde %85) a\u015fmas\u0131 riski i\u00e7in 1,48 milyar TL net kar\u015f\u0131l\u0131k ayr\u0131lm\u0131\u015ft\u0131r. \u00d6zellikle <b>Zorunlu Trafik<\/b> bran\u015f\u0131 DERK hesaplamalar\u0131nda a\u011f\u0131rl\u0131kl\u0131 bir yer tutmaktad\u0131r.<\/li>\n<li><b>Dengeleme Kar\u015f\u0131l\u0131\u011f\u0131:<\/b> Katastrofik riskler ve deprem teminatlar\u0131 i\u00e7in ayr\u0131lan kar\u015f\u0131l\u0131k 2,21 milyar TL&#8217;dir.<\/li>\n<\/ul>\n<h2>6. \u00d6nemli Muhasebe Politikalar\u0131 ve Mevzuat Notlar\u0131<\/h2>\n<p>\u015eirket, finansal raporlamas\u0131n\u0131 SEDDK d\u00fczenlemeleri ve Sigortac\u0131l\u0131k Muhasebe Sistemi uyar\u0131nca y\u00fcr\u00fctmektedir.<\/p>\n<ul>\n<li><b>Enflasyon Muhasebesi (TMS 29):<\/b> SEDDK&#8217;n\u0131n ilgili genelgeleri uyar\u0131nca, 2025 ve 2026 d\u00f6nemlerinde finansal tablolarda enflasyon d\u00fczeltmesi (TMS 29) uygulanmam\u0131\u015ft\u0131r.<\/li>\n<li><b>Vergi Oran\u0131:<\/b> 7456 say\u0131l\u0131 kanun uyar\u0131nca sigorta \u015firketleri i\u00e7in kurumlar vergisi oran\u0131 <b>%30<\/b> olarak uygulanmaktad\u0131r.<\/li>\n<li><b>TFRS 17 Ge\u00e7i\u015fi:<\/b> &#8220;Sigorta S\u00f6zle\u015fmeleri&#8221; standard\u0131 olan TFRS 17&#8217;nin uygulama tarihi, sekt\u00f6r genelinde <b>1 Ocak 2027<\/b>&#8216;ye ertelenmi\u015ftir.<\/li>\n<li><b>K\u0131dem Tazminat\u0131:<\/b> \u0130skonto oran\u0131 %3,92, beklenen maa\u015f art\u0131\u015f oran\u0131 ise %10,30 olarak \u00f6ng\u00f6r\u00fclm\u00fc\u015ft\u00fcr. K\u0131dem tazminat\u0131 tavan\u0131 64.948,77 TL olarak dikkate al\u0131nm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>7. Nakit Ak\u0131\u015f\u0131 ve Kaynak Kullan\u0131m\u0131<\/h2>\n<ul>\n<li><b>Esas Faaliyetlerden Kaynaklanan Nakit Ak\u0131\u015f\u0131:<\/b> 1 Ocak &#8211; 31 Mart 2026 d\u00f6neminde 8,57 milyar TL nakit \u00e7\u0131k\u0131\u015f\u0131 ya\u015fanm\u0131\u015ft\u0131r. Bu durum b\u00fcy\u00fck oranda vergi \u00f6demeleri ve di\u011fer operasyonel \u00e7\u0131k\u0131\u015flardan kaynaklanmaktad\u0131r.<\/li>\n<li><b>Yat\u0131r\u0131m Faaliyetleri:<\/b> Mali varl\u0131k al\u0131m-sat\u0131m dengesi sonucunda yat\u0131r\u0131m faaliyetlerinden 4,88 milyar TL net nakit giri\u015fi sa\u011flanm\u0131\u015ft\u0131r.<\/li>\n<li><b>Temett\u00fc \u00d6demesi:<\/b> 2025 y\u0131l\u0131 kar\u0131ndan ortaklara 2,75 milyar TL nakit kar pay\u0131 da\u011f\u0131t\u0131lmas\u0131 30 Mart 2026 tarihli Genel Kurul&#8217;da kararla\u015ft\u0131r\u0131lm\u0131\u015ft\u0131r.<\/li>\n<\/ul>\n<h2>8. Kritik Belirlemeler ve Yarg\u0131lar<\/h2>\n<ul>\n<li><b>R\u00fccu ve Sovtaj:<\/b> \u015eirket, 976,6 milyon TL r\u00fccu ve sovtaj alaca\u011f\u0131 tahakkuk ettirmi\u015f, bunun 336,7 milyon TL&#8217;si i\u00e7in kar\u015f\u0131l\u0131k ay\u0131rm\u0131\u015ft\u0131r.<\/li>\n<li><b>SGK Prim Devri:<\/b> Trafik kazalar\u0131ndaki tedavi giderleri i\u00e7in SGK&#8217;ya 253,2 milyon TL prim aktar\u0131lm\u0131\u015ft\u0131r.<\/li>\n<li><b>Yat\u0131r\u0131m Gayrimenkulleri De\u011ferlemesi:<\/b> Kullan\u0131m ama\u00e7l\u0131 gayrimenkuller ve yat\u0131r\u0131m ama\u00e7l\u0131 gayrimenkuller ger\u00e7e\u011fe uygun de\u011ferleri \u00fczerinden izlenmektedir. 31 Mart 2026 itibar\u0131yla yat\u0131r\u0131m ama\u00e7l\u0131 gayrimenkullerin de\u011feri 738,2 milyon TL&#8217;dir.<\/li>\n<\/ul>\n<button class=\"simplefavorite-button\" data-postid=\"2309\" data-siteid=\"1\" data-groupid=\"1\" data-favoritecount=\"0\" style=\"\">Favorile <i class=<\/button>","protected":false},"excerpt":{"rendered":"<p>Anadolu Sigorta\u2019dan 2026 Y\u0131l\u0131na Rekor Ba\u015flang\u0131\u00e7: \u0130lk \u00c7eyrek Finansal Analizi<br \/>\nAnadolu Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00fc\u00e7 ay\u0131na ili\u015fkin konsolide finansal sonu\u00e7lar\u0131n\u0131 payla\u015ft\u0131. \u015eirket, ge\u00e7ti\u011fimiz y\u0131l\u0131n ayn\u0131 d\u00f6nemine oranla net k\u00e2r\u0131n\u0131 yakla\u015f\u0131k %75 art\u0131rarak 3,46 milyar TL seviyesine ta\u015f\u0131d\u0131. Toplam varl\u0131klar\u0131n\u0131 141,6 milyar TL\u2019ye y\u00fckselten sigorta devi, br\u00fct prim \u00fcretiminde 29,5 milyar TL baraj\u0131n\u0131 a\u015farak pazardaki \u00f6nc\u00fc konumunu peki\u015ftirdi. Teknik b\u00f6l\u00fcm dengesindeki g\u00fc\u00e7l\u00fc art\u0131\u015f ve 2,75 milyar TL&#8217;lik nakit temett\u00fc karar\u0131yla dikkat \u00e7eken raporun t\u00fcm detaylar\u0131n\u0131, bran\u015f bazl\u0131 performans analizlerini ve \u015firketin gelecek vizyonunu blog yaz\u0131m\u0131zda inceliyoruz.<\/p>\n","protected":false},"author":8,"featured_media":1725,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[196],"class_list":["post-2309","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bilancoanalizi","tag-ansgr"],"_links":{"self":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2309","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\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/comments?post=2309"}],"version-history":[{"count":1,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2309\/revisions"}],"predecessor-version":[{"id":2310,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/posts\/2309\/revisions\/2310"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media\/1725"}],"wp:attachment":[{"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/media?parent=2309"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/categories?post=2309"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/tabildot.com.tr\/marketrisk\/wp-json\/wp\/v2\/tags?post=2309"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}