{"id":2311,"date":"2026-05-02T12:39:00","date_gmt":"2026-05-02T09:39:00","guid":{"rendered":"https:\/\/tabildot.com.tr\/marketrisk\/?p=2311"},"modified":"2026-05-02T12:39:52","modified_gmt":"2026-05-02T09:39:52","slug":"ansgr-2026-03-faaliyet-raporu-analizi-anadolu-anonim-trk-sigorta-irketi","status":"publish","type":"post","link":"https:\/\/tabildot.com.tr\/marketrisk\/2311","title":{"rendered":"\ud83d\udd35 ANSGR 2026-03 Faaliyet Raporu Analizi | Anadolu Anonim T\u00fcrk Sigorta \u015eirketi"},"content":{"rendered":"
Anadolu Sigorta Mart 2026 Konsolide Faaliyet Raporu Bilgi Notu<\/h1>\n
Y\u00f6netici \u00d6zeti<\/h2>\n
Anadolu Sigorta, 2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011finde k\u00fcresel jeopolitik gerilimlerin ve y\u00fcksek enflasyon ortam\u0131n\u0131n belirleyici oldu\u011fu bir finansal konjonkt\u00fcrde g\u00fc\u00e7l\u00fc bir b\u00fcy\u00fcme performans\u0131 sergilemi\u015ftir. \u015eirket, Mart 2026 itibar\u0131yla prim \u00fcretimini bir \u00f6nceki y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re %27,5 oran\u0131nda art\u0131rarak 29.570 milyon TL<\/b> seviyesine ula\u015ft\u0131rm\u0131\u015f ve yakla\u015f\u0131k %8,7 pazar pay\u0131<\/b> ile sekt\u00f6rdeki lider konumunu korumu\u015ftur.<\/p>\n
Finansal sonu\u00e7lar a\u00e7\u0131s\u0131ndan bak\u0131ld\u0131\u011f\u0131nda, \u015firketin konsolide net d\u00f6nem k\u00e2r\u0131 bir \u00f6nceki y\u0131la g\u00f6re %75,2 oran\u0131nda dikkat \u00e7ekici bir art\u0131\u015f g\u00f6stererek 3.464,8 milyon TL<\/b> olarak ger\u00e7ekle\u015fmi\u015ftir. Teknik k\u00e2rl\u0131l\u0131k, yat\u0131r\u0131m gelirlerinin teknik b\u00f6l\u00fcme aktar\u0131lmas\u0131n\u0131n katk\u0131s\u0131yla 4.751 milyon TL seviyesine ula\u015f\u0131rken, \u015firketin uluslararas\u0131 kredi derecelendirme notu g\u00f6r\u00fcn\u00fcm\u00fc Fitch Ratings taraf\u0131ndan “Pozitif”e y\u00fckseltilmi\u015ftir.<\/p>\n
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1. Makroekonomik ve Sekt\u00f6rel \u00c7er\u00e7eve<\/h2>\n
1.1. K\u00fcresel ve Yerel Ekonomik G\u00f6r\u00fcn\u00fcm<\/h3>\n
2026 y\u0131l\u0131n\u0131n ilk \u00e7eyre\u011fi, \u00f6zellikle Orta Do\u011fu kaynakl\u0131 jeopolitik risklerin k\u00fcresel piyasalar\u0131 bask\u0131lad\u0131\u011f\u0131 bir d\u00f6nem olmu\u015ftur.<\/p>\n
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Jeopolitik Riskler:<\/b> ABD, \u0130srail ve \u0130ran hatt\u0131ndaki \u00e7at\u0131\u015fmalar, H\u00fcrm\u00fcz Bo\u011faz\u0131’n\u0131n kapanma noktas\u0131na gelmesi ve enerji arz g\u00fcvenli\u011fi endi\u015feleri petrol fiyatlar\u0131nda y\u00fcksek volatiliteye (60-114 USD\/varil) neden olmu\u015ftur.<\/li>\n
Para Politikalar\u0131:<\/b> ABD Merkez Bankas\u0131 (FED) faizleri %3,50 \u2013 %3,75 aral\u0131\u011f\u0131nda, T\u00fcrkiye Cumhuriyet Merkez Bankas\u0131 (TCMB) ise %37 seviyesinde sabit tutarak s\u0131k\u0131 duru\u015funu korumu\u015ftur.<\/li>\n
T\u00fcrkiye Ekonomisi:<\/b> Y\u0131ll\u0131k GSYH b\u00fcy\u00fcmesi %3,6, ki\u015fi ba\u015f\u0131na gelir 18.040 USD olarak ger\u00e7ekle\u015fmi\u015ftir. Mart ay\u0131 itibar\u0131yla y\u0131ll\u0131k enflasyon (T\u00dcFE) %30,87 seviyesindedir.<\/li>\n
D\u00f6viz ve Piyasalar:<\/b> USD\/TRY kuru Mart sonunda 44,40-44,50 band\u0131na ula\u015fm\u0131\u015ft\u0131r. BIST 100 endeksi 13.900 puanl\u0131k tarihi zirvesinden sonra \u00e7eyre\u011fi 12.790 seviyesinde kapatm\u0131\u015ft\u0131r.<\/li>\n
\u0130\u015fg\u00fcc\u00fc ve \u0130malat:<\/b> Geni\u015f tan\u0131ml\u0131 i\u015fsizlik (at\u0131l i\u015fg\u00fcc\u00fc) %29,9’a y\u00fckselirken, \u0130malat PMI 47,9 de\u011feriyle daralma b\u00f6lgesinde kalmaya devam etmi\u015ftir.<\/li>\n<\/ul>\n
1.2. Sigorta Sekt\u00f6r\u00fc Genel Performans\u0131<\/h3>\n
Sekt\u00f6r genelinde hayat d\u0131\u015f\u0131 prim \u00fcretimi %27,6 art\u0131\u015fla 340 milyar TL\u2019ye, hayat sigortalar\u0131 ise %50,1 art\u0131\u015fla 56,4 milyar TL\u2019ye y\u00fckselmi\u015ftir.<\/p>\n
\n\n
\n
Bran\u015f Grubu<\/td>\n
03.2026 Prim \u00dcretimi (TL)<\/td>\n
De\u011fi\u015fim (%)<\/td>\n<\/tr>\n
\n
Hayat D\u0131\u015f\u0131 Toplam<\/td>\n
339.970.715.411<\/td>\n
%27,6<\/td>\n<\/tr>\n
\n
Hayat Toplam<\/td>\n
56.451.612.110<\/td>\n
%50,1<\/td>\n<\/tr>\n
\n
Genel Toplam<\/b><\/td>\n
396.422.327.521<\/b><\/td>\n
%30,4<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
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2. Finansal ve Teknik Analiz<\/h2>\n
2.1. Prim \u00dcretimi ve Pazar Pay\u0131<\/h3>\n
\u015eirketin toplam prim \u00fcretiminde Hastal\u0131k-Sa\u011fl\u0131k (%31,9) ve Yang\u0131n ve Do\u011fal Afetler (%18,1) bran\u015flar\u0131 en y\u00fcksek paya sahiptir.<\/p>\n
Tablo: Bran\u015f Bazl\u0131 Prim \u00dcretimi (\u00d6ne \u00c7\u0131kanlar)<\/b><\/p>\n
\n\n
\n
Bran\u015f<\/td>\n
31.03.2026 (TL)<\/td>\n
De\u011fi\u015fim (%)<\/td>\n<\/tr>\n
\n
Hastal\u0131k – Sa\u011fl\u0131k<\/td>\n
9.424.611.998<\/td>\n
%46,6<\/td>\n<\/tr>\n
\n
Yang\u0131n ve Do\u011fal Afetler<\/td>\n
5.347.935.035<\/td>\n
%25,8<\/td>\n<\/tr>\n
\n
Kara Ara\u00e7lar\u0131 (Kasko)<\/td>\n
4.831.367.351<\/td>\n
%14,6<\/td>\n<\/tr>\n
\n
Kara Ara\u00e7lar\u0131 Sorumluluk (Trafik)<\/td>\n
3.599.444.024<\/td>\n
(-%5,3)<\/td>\n<\/tr>\n
\n
Toplam Prim \u00dcretimi<\/b><\/td>\n
29.569.973.452<\/b><\/td>\n
%27,5<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
2.2. Teknik Kar ve Rasyo Analizi<\/h3>\n
\u015eirketin teknik gelirleri bir \u00f6nceki y\u0131la g\u00f6re %55,7 artarak 27 milyar TL’yi a\u015fm\u0131\u015ft\u0131r. Ancak, hasar maliyetlerindeki art\u0131\u015f ve faaliyet giderleri teknik denge \u00fczerinde bask\u0131 olu\u015fturmaktad\u0131r.<\/p>\n
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Hasar \u00d6demeleri:<\/b> Toplam 14.189,7 milyon TL hasar \u00f6demesi yap\u0131lm\u0131\u015f, bu tutar ge\u00e7en y\u0131la g\u00f6re %32,2 artm\u0131\u015ft\u0131r.<\/li>\n
Bile\u015fik Rasyo:<\/b> Teknik k\u00e2rl\u0131l\u0131k g\u00f6stergesi olan bile\u015fik rasyo, 4,1 puan art\u0131\u015fla %114,8<\/b> olarak ger\u00e7ekle\u015fmi\u015ftir.<\/li>\n
Net Teknik Kar:<\/b> Bran\u015f da\u011f\u0131t\u0131m\u0131 \u00f6ncesi 187,8 milyon TL teknik zarar olu\u015fmas\u0131na ra\u011fmen, 7.594,2 milyon TL’lik yat\u0131r\u0131m gelirinin aktar\u0131lmas\u0131yla 4.751 milyon TL net teknik k\u00e2r<\/b> elde edilmi\u015ftir.<\/li>\n<\/ul>\n
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3. Yat\u0131r\u0131m ve Operasyonel Faaliyetler<\/h2>\n
3.1. Yat\u0131r\u0131m Gelir ve Giderleri<\/h3>\n
\u015eirket, y\u00fcksek faiz ortam\u0131n\u0131 kullanarak finansal yat\u0131r\u0131mlardan \u00f6nemli gelir elde etmi\u015ftir.<\/p>\n
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Yat\u0131r\u0131m Gelirleri:<\/b> Toplam 9.395,3 milyon TL yat\u0131r\u0131m geliri kaydedilmi\u015ftir. Bu tutar\u0131n 3.781,9 milyon TL’si finansal yat\u0131r\u0131mlar\u0131n de\u011ferlemesinden (mevduat, tahvil, hisse senedi) gelmi\u015ftir.<\/li>\n
Kambiyo Performans\u0131:<\/b> 1.882,6 milyon TL kambiyo geliri elde edilmi\u015f; 1.486,3 milyon TL’lik kambiyo zarar\u0131 ile netle\u015fti\u011finde mali b\u00f6l\u00fcme 396,3 milyon TL olumlu katk\u0131 sa\u011flanm\u0131\u015ft\u0131r.<\/li>\n
\u0130\u015ftirakler:<\/b> Anadolu Hayat Emeklilik A.\u015e. konsolidasyonundan 322,5 milyon TL gelir elde edilmi\u015ftir.<\/li>\n<\/ul>\n
3.2. Faaliyet Sonu\u00e7lar\u0131 \u00d6zeti<\/h3>\n
\n\n
\n
Kalem (Milyon TL)<\/td>\n
31.03.2026<\/td>\n
31.03.2025<\/td>\n
De\u011fi\u015fim (%)<\/td>\n<\/tr>\n
\n
Teknik B\u00f6l\u00fcm Dengesi<\/td>\n
4.751,0<\/td>\n
2.975,3<\/td>\n
%59,7<\/td>\n<\/tr>\n
\n
Br\u00fct Kar<\/td>\n
3.780,1<\/td>\n
2.428,8<\/td>\n
%55,6<\/td>\n<\/tr>\n
\n
Vergi Kar\u015f\u0131l\u0131\u011f\u0131<\/td>\n
(315,3)<\/td>\n
(451,3)<\/td>\n
-%30,1<\/td>\n<\/tr>\n
\n
Net Kar<\/b><\/td>\n
3.464,8<\/b><\/td>\n
1.977,5<\/b><\/td>\n
%75,2<\/b><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n
——————————————————————————–<\/p>\n
4. Kurumsal Geli\u015fmeler ve Stratejik Ad\u0131mlar<\/h2>\n
4.1. Kurumsal Y\u00f6netim ve Derecelendirme<\/h3>\n
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Y\u00f6netim Kurulu:<\/b> 30 Mart 2026 tarihli Ola\u011fan Genel Kurul ile F\u00fcsun T\u00fcmsava\u015f Y\u00f6netim Kurulu Ba\u015fkan\u0131, Filiz Tiryakio\u011flu ise Ba\u015fkan Vekili olarak se\u00e7ilmi\u015ftir.<\/li>\n
Kredi Notu:<\/b> Fitch Ratings, \u015firketin Uluslararas\u0131 Finansal G\u00fc\u00e7l\u00fcl\u00fck notunu “BB”<\/b> olarak teyit ederken, not g\u00f6r\u00fcn\u00fcm\u00fcn\u00fc “Dura\u011fan”dan “Pozitif”e<\/b> y\u00fckseltmi\u015ftir.<\/li>\n
4.2. \u0130novasyon ve S\u00fcrd\u00fcr\u00fclebilirlik<\/h3>\n
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Sekt\u00f6rde Bir \u0130lk:<\/b> \u015eirket ilk kez “Entegre Faaliyet Raporu” yay\u0131mlam\u0131\u015f ve buna ek olarak “Online \u00d6zet Entegre Faaliyet Raporu” uygulamas\u0131n\u0131 ba\u015flatm\u0131\u015ft\u0131r.<\/li>\n
\u00dcr\u00fcn Geli\u015ftirme:<\/b> Elektrikli Ara\u00e7 Kasko Sigortas\u0131’na evde \u015farj s\u00fcre\u00e7lerini kapsayan yeni bir teminat eklenerek elektrikli mobilite deste\u011fi geni\u015fletilmi\u015ftir.<\/li>\n
Kurum \u0130\u00e7i \u0130novasyon:<\/b> 28 Mart 2026’da yapay zek\u00e2 ve robotik s\u00fcre\u00e7 otomasyonu odakl\u0131 “Robothon 2.0”<\/b> etkinli\u011fi ger\u00e7ekle\u015ftirilmi\u015ftir.<\/li>\n<\/ul>\n
4.3. \u00d6d\u00fcller ve Ba\u015far\u0131lar<\/h3>\n
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PR\u0130DA \u0130leti\u015fim \u00d6d\u00fclleri:<\/b> “100. Y\u0131l \u0130leti\u015fim \u00c7al\u0131\u015fmalar\u0131”, “100 Y\u0131ll\u0131k \u0130mza Gala Gecesi”, “Y\u00fczy\u0131ll\u0131k \u0130mza Prestij Kitab\u0131” ve “Orman\u0131n G\u00f6zleri” projeleri ile 4 kategoride \u00f6d\u00fcl al\u0131nm\u0131\u015ft\u0131r.<\/li>\n
Mercury Excellence Awards:<\/b> \u0130ki ayr\u0131 kategoride Bronz \u00f6d\u00fcl kazan\u0131lm\u0131\u015ft\u0131r.<\/li>\n