{"id":2392,"date":"2026-03-16T07:15:33","date_gmt":"2026-03-16T07:15:33","guid":{"rendered":"https:\/\/www.kayaismail.com\/?p=2392"},"modified":"2026-03-16T07:15:33","modified_gmt":"2026-03-16T07:15:33","slug":"tsb-2025-yili-finansal-raporlari-aciklandi","status":"publish","type":"post","link":"https:\/\/www.kayaismail.com\/index.php\/2026\/03\/16\/tsb-2025-yili-finansal-raporlari-aciklandi\/","title":{"rendered":"TSB 2025 Y\u0131l\u0131 Finansal Raporlar\u0131 A\u00e7\u0131kland\u0131"},"content":{"rendered":"\n<p>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 4. \u00c7eyrek yani y\u0131ll\u0131k Finansal sonu\u00e7lar\u0131 a\u00e7\u0131kland\u0131.<\/p>\n\n\n\n<p>\u0130lan edilen raporlamaya g\u00f6re;<\/p>\n\n\n\n<p>\ud83d\udc49Sekt\u00f6rde yer alan, Hayat ve Hayat D\u0131\u015f\u0131 Olmak \u00dczere Toplamda 71 Sigorta \u015eirketi \u00dclke Ekonomisi i\u00e7in 461 Milyar TL Tutar\u0131nda \u00d6zsermaye bulundurmaktad\u0131rlar.<\/p>\n\n\n\n<p>\ud83d\udc49Toplam 461 Milyar \u00d6zsermayenin 60 Milyar TL\u2019lik k\u0131sm\u0131 \u00f6denmi\u015f haldedir. \u00d6denmi\u015f sermaye tutar\u0131 toplam \u00f6zsermayenin %13 lik k\u0131sm\u0131n\u0131 olu\u015fturmaktad\u0131r.<\/p>\n\n\n\n<p>\ud83d\udc492025 Y\u0131l\u0131 4. \u00c7eyrek Sonu \u0130tibariyle, 71 \u015eirketin Toplam D\u00f6nem Net Kar\u0131 178 Milyar TL seviyesinde ger\u00e7ekle\u015fmi\u015ftir.<\/p>\n\n\n\n<p>\ud83d\udc492025 y\u0131l\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 %62 l\u0131k k\u0131sm\u0131n\u0131 olu\u015fturuyor )<\/p>\n\n\n\n<p>\ud83d\udc49D\u00f6nem net kar\u0131 en y\u00fcksek \u0130lk 20 \u015firket toplamda 151 milyar d\u00f6nem net kar\u0131 elde ederek, sekt\u00f6r toplam d\u00f6nem net kar\u0131n\u0131n %84 l\u00fck k\u0131sm\u0131n\u0131 ger\u00e7ekle\u015ftirmi\u015ftir.<\/p>\n\n\n\n<p>\ud83d\udc49K\u00e2rl\u0131l\u0131k a\u00e7\u0131s\u0131ndan ilk 5 \u015firket s\u0131ras\u0131yla,<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>T\u00fcrkiye Sigorta 19,4 milyar kar ile birinci,<\/li>\n\n\n\n<li>Allianz Sigorta 17,2 milyar ile ikinci,<\/li>\n\n\n\n<li>T\u00fcrkiye Hayat Emeklilik 15,4 milyar ile \u00fc\u00e7\u00fcnc\u00fc,<\/li>\n\n\n\n<li>Anadolu Sigorta 12,7 milyar ile d\u00f6rd\u00fcnc\u00fc,<\/li>\n\n\n\n<li>Milli Reas\u00fcrans 9,7 milyar kar ile be\u015finci s\u0131rada yer alm\u0131\u015ft\u0131r.<br>\ud83d\udc49Hayat D\u0131\u015f\u0131 \u015eirketler 2025 y\u0131l\u0131 sonunda toplamda 115 milyar TL d\u00f6nem net kar\u0131 elde ederek, toplam d\u00f6nem net kar\u0131n\u0131n %65 lik,<br>\ud83d\udc49Hayat ve Emeklilik \u015eirketleri 2025 y\u0131l\u0131 sonunda toplamda 53 milyar TL d\u00f6nem net kar\u0131 elde ederek, toplam d\u00f6nem net kar\u0131n\u0131n %30 unu,<br>\ud83d\udc49Reas\u00fcrans \u015eirketleri 2025 y\u0131l\u0131 sonunda 10 milyar TL d\u00f6nem net kar\u0131 elde ederek, toplam d\u00f6nem net kar\u0131n\u0131n %5 lik k\u0131sm\u0131n\u0131 olu\u015fturmu\u015ftur.<\/li>\n<\/ul>\n\n\n\n<p>\ud83d\udc492025 y\u0131l\u0131n\u0131n 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.<\/p>\n\n\n\n<p>\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<p>\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.<\/p>\n\n\n\n<p>\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.<\/p>\n\n\n\n<p>Sevgiyle kal\u0131n.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"927\" height=\"716\" src=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/c751f584-a747-4b60-a37b-3dc2db0623fd-1.jpeg\" alt=\"\" class=\"wp-image-2396\" srcset=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/c751f584-a747-4b60-a37b-3dc2db0623fd-1.jpeg 927w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/c751f584-a747-4b60-a37b-3dc2db0623fd-1-300x232.jpeg 300w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/c751f584-a747-4b60-a37b-3dc2db0623fd-1-768x593.jpeg 768w\" sizes=\"auto, (max-width: 927px) 100vw, 927px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"749\" src=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/a5e57310-7671-480a-9c08-8d95c8207bbc-1.jpeg\" alt=\"\" class=\"wp-image-2397\" srcset=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/a5e57310-7671-480a-9c08-8d95c8207bbc-1.jpeg 930w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/a5e57310-7671-480a-9c08-8d95c8207bbc-1-300x242.jpeg 300w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/a5e57310-7671-480a-9c08-8d95c8207bbc-1-768x619.jpeg 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/><\/figure>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"931\" height=\"289\" src=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/95145389-dce5-4f10-9d43-bc9a2cadf805-1.jpeg\" alt=\"\" class=\"wp-image-2398\" srcset=\"https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/95145389-dce5-4f10-9d43-bc9a2cadf805-1.jpeg 931w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/95145389-dce5-4f10-9d43-bc9a2cadf805-1-300x93.jpeg 300w, https:\/\/www.kayaismail.com\/wp-content\/uploads\/2026\/03\/95145389-dce5-4f10-9d43-bc9a2cadf805-1-768x238.jpeg 768w\" sizes=\"auto, (max-width: 931px) 100vw, 931px\" \/><\/figure>\n","protected":false},"excerpt":{"rendered":"<p>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&hellip;<\/p>\n","protected":false},"author":1,"featured_media":2129,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-2392","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\/2392","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=2392"}],"version-history":[{"count":1,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2392\/revisions"}],"predecessor-version":[{"id":2399,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/posts\/2392\/revisions\/2399"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media\/2129"}],"wp:attachment":[{"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/media?parent=2392"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/categories?post=2392"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.kayaismail.com\/index.php\/wp-json\/wp\/v2\/tags?post=2392"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}