{"id":1949,"date":"2025-08-26T08:23:55","date_gmt":"2025-08-26T08:23:55","guid":{"rendered":"https:\/\/www.kayaismail.com\/?p=1949"},"modified":"2025-08-26T08:23:55","modified_gmt":"2025-08-26T08:23:55","slug":"tsb-2025-yili-2-ceyrek-finansal-raporlari-aciklandi","status":"publish","type":"post","link":"https:\/\/www.kayaismail.com\/index.php\/2025\/08\/26\/tsb-2025-yili-2-ceyrek-finansal-raporlari-aciklandi\/","title":{"rendered":"TSB 2025 Y\u0131l\u0131 2. \u00c7eyrek Finansal Raporlar\u0131 A\u00e7\u0131kland\u0131"},"content":{"rendered":"\n

TSB ( T\u00fcrkiye Sigorta Birli\u011fi ) taraf\u0131ndan her \u00e7eyrek d\u00f6nem sonunda ilan edilen ve Sigorta \u015eirketlerinin Mali yap\u0131s\u0131n\u0131, kar zarar durumunu g\u00f6steren, 2025 Y\u0131l\u0131 2. \u00c7eyrek Finansal sonu\u00e7lar\u0131 a\u00e7\u0131kland\u0131.<\/p>\n\n\n\n

\u0130lan edilen raporlamaya g\u00f6re;<\/p>\n\n\n\n

\ud83d\udc49Sekt\u00f6rde yer alan, Hayat ve Hayat D\u0131\u015f\u0131 Olmak \u00dczere Toplamda 71 Sigorta \u015eirketi \u00dclke Ekonomisi i\u00e7in 324 Milyar TL Tutar\u0131nda \u00d6zsermaye bulundurmaktad\u0131rlar.<\/p>\n\n\n\n

\ud83d\udc49Toplam 324 Milyar \u00d6zsermayenin 51 Milyar TL\u2019lik k\u0131sm\u0131 \u00f6denmi\u015f haldedir. \u00d6denmi\u015f sermaye tutar\u0131 toplam \u00f6zsermayenin %15 l\u00fck k\u0131sm\u0131n\u0131 olu\u015fturmaktad\u0131r.<\/p>\n\n\n\n

\ud83d\udc492025 Y\u0131l\u0131 2. \u00c7eyrek Sonu \u0130tibariyle, 71 \u015eirketin Toplam D\u00f6nem Net Kar\u0131 79 Milyar TL seviyesinde ger\u00e7ekle\u015fmi\u015ftir. <\/p>\n\n\n\n

\ud83d\udc492025 y\u0131l\u0131 ilk 6 ay\u0131 itibariyle \u00d6zsermaye bak\u0131m\u0131ndan en g\u00fc\u00e7l\u00fc 10 \u015firkete bakt\u0131\u011f\u0131m\u0131zda;   ( ilk 10 \u015firket toplam \u00f6zsermaye tutar\u0131n\u0131n %63 l\u0131k k\u0131sm\u0131n\u0131 olu\u015fturuyor )<\/p>\n\n\n\n

\ud83d\udc492025 y\u0131l\u0131n\u0131n ilk alt\u0131 ayl\u0131k d\u00f6nemi finansal raporlar\u0131na bak\u0131ld\u0131\u011f\u0131nda, T\u00fcrk sigorta sekt\u00f6r\u00fcn\u00fcn g\u00fc\u00e7l\u00fc bir prim \u00fcretimi ile yoluna devam etti\u011fini g\u00f6rmekteyiz. D\u00fcn a\u00e7\u0131klanan ilk 7 ayl\u0131k prim \u00fcretimlerinden de g\u00f6rece\u011fimiz \u00fczere, sekt\u00f6r %51 lik genel b\u00fcy\u00fcme sergilemi\u015ftir. Y\u0131l\u0131n ilk 7 ayl\u0131k d\u00f6neminde 576 milyarl\u0131k hayat d\u0131\u015f\u0131 prim \u00fcretimine kar\u015f\u0131l\u0131k, 94 milyarl\u0131k bir hayat \u00fcretimi ile toplamda 670 milyarl\u0131k bir prime ula\u015f\u0131lm\u0131\u015ft\u0131r. \u00d6zellikle hayat d\u0131\u015f\u0131 bran\u015flarda, enflasyonun ve artan teminat tutarlar\u0131n\u0131n etkisiyle \u00fcretim ivmesini korumu\u015ftur. <\/p>\n\n\n\n

\ud83d\udc49Bununla birlikte y\u00fcksek faiz ortam\u0131, sekt\u00f6r\u00fcn yat\u0131r\u0131m gelirlerini olumlu etkilemi\u015f, finansal portf\u00f6ylerden elde edilen kazan\u00e7lar karl\u0131l\u0131\u011f\u0131 desteklemi\u015ftir. Sekt\u00f6r genelinde tablo kar y\u00f6n\u00fcnde \u015fekillense de, baz\u0131 k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli \u015firketler zarar a\u00e7\u0131klam\u0131\u015f ve karl\u0131l\u0131kta bir ayr\u0131\u015fma g\u00f6r\u00fclm\u00fc\u015ft\u00fcr.<\/p>\n\n\n\n

\ud83d\udc49Karl\u0131l\u0131k a\u00e7\u0131s\u0131ndan \u00f6ne \u00e7\u0131kan ilk 10 \u015firkete bak\u0131ld\u0131\u011f\u0131nda; bu \u015firketlerin \u00f6l\u00e7ek avantaj\u0131 ve portf\u00f6y \u00e7e\u015fitlili\u011fi sayesinde istikrarl\u0131 sonu\u00e7lar elde ettikleri g\u00f6r\u00fclmektedir. B\u00fcy\u00fck oyuncular yaln\u0131zca motor bran\u015flar\u0131na ba\u011fl\u0131 kalmay\u0131p, yang\u0131n, m\u00fchendislik, sa\u011fl\u0131k, hayat ve emeklilik alanlar\u0131nda da dengeli bir b\u00fcy\u00fcme sergilemi\u015flerdir. Y\u00fcksek aktif b\u00fcy\u00fckl\u00fckleri sayesinde finansal yat\u0131r\u0131mlardan g\u00fc\u00e7l\u00fc gelirler elde etmi\u015f, bu da karl\u0131l\u0131klar\u0131n\u0131 desteklemi\u015ftir. Ayr\u0131ca b\u00fcy\u00fck \u015firketlerin reas\u00fcrans anla\u015fmalar\u0131nda daha avantajl\u0131 ko\u015fullar elde etmesi, beklenmedik hasar dalgalanmalar\u0131n\u0131n etkisini s\u0131n\u0131rlam\u0131\u015ft\u0131r. Dijitalle\u015fmeye yap\u0131lan yat\u0131r\u0131mlar, operasyonel verimlilik ve g\u00fc\u00e7l\u00fc da\u011f\u0131t\u0131m a\u011flar\u0131 sayesinde bu \u015firketler prim \u00fcretiminde ve karl\u0131l\u0131kta sekt\u00f6r\u00fcn lokomotifi olmaya devam etmi\u015ftir.<\/p>\n\n\n\n

\ud83d\udc49\u00d6te yandan zarar eden \u015firketler incelendi\u011finde, zararlar\u0131n \u00f6nemli \u00f6l\u00e7\u00fcde teknik sonu\u00e7lardan kaynakland\u0131\u011f\u0131 g\u00f6r\u00fclmektedir. Trafik ve kasko sigortalar\u0131nda hasar frekans\u0131n\u0131n y\u00fcksek olmas\u0131, yedek par\u00e7a ve i\u015f\u00e7ilik maliyetlerinin artmas\u0131, ayr\u0131ca mahkeme tazminatlar\u0131n\u0131n y\u00fckselmesi bu \u015firketlerin teknik zararlar\u0131n\u0131 b\u00fcy\u00fctm\u00fc\u015ft\u00fcr. Bunun yan\u0131nda k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli oyuncular\u0131n reas\u00fcrans maliyetlerini daha y\u00fcksek fiyatla kar\u015f\u0131lamas\u0131, maliyet y\u00fck\u00fcn\u00fc art\u0131rm\u0131\u015ft\u0131r. B\u00f6lgesel afetler ve b\u00fcy\u00fck hasar \u00f6demeleri de \u015firketlerin teknik dengelerini olumsuz etkilemi\u015ftir. <\/p>\n\n\n\n

\ud83d\udc49Genel olarak de\u011ferlendirildi\u011finde, 2025\u2019in ilk yar\u0131s\u0131nda T\u00fcrk sigorta sekt\u00f6r\u00fc g\u00fc\u00e7l\u00fc prim \u00fcretimi ve yat\u0131r\u0131m gelirleri sayesinde karl\u0131 bir performans sergilemi\u015ftir. Ancak karl\u0131l\u0131kta \u00f6l\u00e7ek ve portf\u00f6y \u00e7e\u015fitlili\u011fi belirleyici olmu\u015f, b\u00fcy\u00fck \u015firketler g\u00fc\u00e7l\u00fc sonu\u00e7lar elde ederken, k\u00fc\u00e7\u00fck ve orta \u00f6l\u00e7ekli \u015firketler \u00f6zellikle motor bran\u015flar\u0131ndaki teknik zararlar, y\u00fcksek reas\u00fcrans maliyetleri ve s\u0131n\u0131rl\u0131 yat\u0131r\u0131m gelirleri nedeniyle zarar a\u00e7\u0131klam\u0131\u015ft\u0131r.<\/p>\n\n\n\n

Sevgiyle kal\u0131n. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n
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\"\"<\/figure>\n","protected":false},"excerpt":{"rendered":"

TSB ( T\u00fcrkiye Sigorta Birli\u011fi ) taraf\u0131ndan her \u00e7eyrek d\u00f6nem sonunda ilan edilen ve Sigorta \u015eirketlerinin Mali yap\u0131s\u0131n\u0131, kar zarar…<\/p>\n","protected":false},"author":1,"featured_media":1592,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-1949","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-sigorta-sektoru"],"_links":{"self":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1949","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/comments?post=1949"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1949\/revisions"}],"predecessor-version":[{"id":1953,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/1949\/revisions\/1953"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/1592"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=1949"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=1949"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=1949"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}