{"id":1081,"date":"2026-10-08T11:10:22","date_gmt":"2026-10-08T08:10:22","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=1081"},"modified":"2026-10-08T11:10:22","modified_gmt":"2026-10-08T08:10:22","slug":"allianz-raporunda-servet-artisinin-yeni-aktoru-yapay-zeka","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=1081","title":{"rendered":"Allianz raporunda servet art\u0131\u015f\u0131n\u0131n yeni akt\u00f6r\u00fc yapay zek\u00e2"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>Allianz K\u00fcresel Varl\u0131k Raporu 2026, k\u00fcresel finansal varl\u0131klar\u0131n 2025\u2019te y\u00fczde 8,6 artarak 268,4 trilyon euroyla rekor k\u0131rd\u0131\u011f\u0131n\u0131 ortaya koydu. Raporda yapay zek\u00e2n\u0131n yeni servet yaratma potansiyeline ve piyasalarda olu\u015fturdu\u011fu k\u0131r\u0131lganl\u0131klara dikkat \u00e7ekilirken, T\u00fcrkiye\u2019de finansal varl\u0131klar\u0131n reel b\u00fcy\u00fcmesi y\u00fczde 7,6 ile yeniden pozitife d\u00f6nd\u00fc.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>Allianz Research<\/strong>, yakla\u015f\u0131k 60 \u00fclkedeki hane halklar\u0131n\u0131n varl\u0131k ve bor\u00e7 durumunu analiz etti\u011fi <strong>K\u00fcresel Varl\u0131k Raporu\u2019nun 17. bask\u0131s\u0131n\u0131<\/strong> yay\u0131mlad\u0131. Rapora g\u00f6re, 2025 y\u0131l\u0131nda k\u00fcresel finansal varl\u0131klar y\u00fczde 8,6 artarak 268,4 trilyon euroya ula\u015ft\u0131. Yeni servet yarat\u0131m\u0131n\u0131n yakla\u015f\u0131k be\u015fte d\u00f6rd\u00fc piyasalardaki de\u011fer art\u0131\u015flar\u0131ndan kaynakland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Raporda, yapay zek\u00e2n\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nemde yeni bir servet yarat\u0131m dalgas\u0131n\u0131 destekleyebilece\u011fi belirtildi. Bununla birlikte y\u00fcksek piyasa de\u011ferlemelerinin ve servetin belirli varl\u0131klarda yo\u011funla\u015fmas\u0131n\u0131n yeni riskleri beraberinde getirdi\u011fi vurguland\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Rekorun arkas\u0131nda piyasa kazan\u00e7lar\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">K\u00fcresel finansal varl\u0131klar b\u00fcy\u00fcrken, yeni tasarruflar y\u00fczde 5,4 gerileyerek 4,1 trilyon euroya indi. B\u00f6ylece varl\u0131k art\u0131\u015f\u0131nda tasarruflardan \u00e7ok piyasalardaki de\u011fer kazan\u0131mlar\u0131 belirleyici oldu.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Allianz Ba\u015f Ekonomisti ve Yat\u0131r\u0131m Direkt\u00f6r\u00fc Ludovic Subran<\/strong>, nominal art\u0131\u015f ile reel b\u00fcy\u00fcme aras\u0131ndaki farka dikkat \u00e7ekerek \u015funlar\u0131 \u201cK\u00fcresel varl\u0131klar 2025\u2019te yine bir rekor k\u0131rd\u0131 ancak bu sadece hik\u00e2yenin yar\u0131s\u0131n\u0131 anlat\u0131yor. 2019\u2019dan bu yana nominal finansal varl\u0131klar y\u00fczde 50 artt\u0131 ancak enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f olarak reelde yaln\u0131zca y\u00fczde 23 b\u00fcy\u00fcd\u00fc\u201d a\u00e7\u0131klamas\u0131nda bulundu.<\/p>\n<p class=\"wp-block-paragraph\">Bu ayr\u0131\u015fma \u00f6zellikle Bat\u0131 Avrupa\u2019da belirginle\u015fti. B\u00f6lgedeki finansal varl\u0131klar\u0131n 2019\u2019dan bu yana reel b\u00fcy\u00fcmesi y\u00fczde 0,5 ile s\u0131n\u0131rl\u0131 kal\u0131rken, Kuzey Amerika\u2019da y\u00fczde 21, \u00c7in\u2019de y\u00fczde 70 oldu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Portf\u00f6ylerde menkul k\u0131ymet a\u011f\u0131rl\u0131\u011f\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Menkul k\u0131ymetler 2025\u2019te y\u00fczde 12,4 b\u00fcy\u00fcyerek, y\u00fczde 5,7 artan mevduat\u0131 ve y\u00fczde 5 b\u00fcy\u00fcyen sigorta ile emeklilik fonlar\u0131n\u0131 geride b\u0131rakt\u0131. Menkul k\u0131ymetlerin k\u00fcresel finansal varl\u0131klar i\u00e7indeki pay\u0131 y\u00fczde 46,9 ile rekor seviyeye ula\u015ft\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Kuzey Amerikal\u0131 hanehalklar\u0131n\u0131n portf\u00f6ylerinde menkul k\u0131ymetlerin pay\u0131 y\u00fczde 60,7 oldu. B\u00f6lge, 2025\u2019te k\u00fcresel finansal varl\u0131k art\u0131\u015f\u0131n\u0131n y\u00fczde 51,4\u2019\u00fcn\u00fc ger\u00e7ekle\u015ftirdi. Son on y\u0131lda de\u011ferleme kaynakl\u0131 kazan\u00e7lar, Kuzey Amerika\u2019daki finansal varl\u0131k b\u00fcy\u00fcmesinin y\u00fczde 71\u2019ini olu\u015ftururken, Bat\u0131 Avrupa\u2019da bu oran y\u00fczde 36\u2019da kald\u0131. Raporda bu fark\u0131n, tasarruflar\u0131 d\u00fc\u015f\u00fck getirili hesaplarda tutmak yerine yat\u0131r\u0131ma d\u00f6n\u00fc\u015ft\u00fcrmenin \u00f6nemini g\u00f6sterdi\u011fi belirtildi.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Yapay zek\u00e2yla f\u0131rsat ve k\u0131r\u0131lganl\u0131k<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">K\u00fcresel finansal varl\u0131klar\u0131n 2026\u2019da y\u00fczde 9 b\u00fcy\u00fcmesi beklendi. Ancak yava\u015flayan ekonomik b\u00fcy\u00fcme, kal\u0131c\u0131 enflasyon, ekonomik par\u00e7alanma ve y\u00fcksek kamu borcunun orta vadede daha zorlu bir g\u00f6r\u00fcn\u00fcm yaratt\u0131\u011f\u0131 kaydedildi.<\/p>\n<p class=\"wp-block-paragraph\">Bu ortamda yapay zek\u00e2n\u0131n verimlili\u011fi ve \u015firket k\u00e2rl\u0131l\u0131klar\u0131n\u0131 art\u0131rarak varl\u0131k getirilerini destekleyebilece\u011fi belirtildi. Hanehalk\u0131 varl\u0131klar\u0131n\u0131n giderek daha fazla yapay zek\u00e2 beklentileriyle \u015fekillenen piyasalara dayanmas\u0131n\u0131n ise yeni k\u0131r\u0131lganl\u0131klar olu\u015fturdu\u011funa dikkat \u00e7ekildi.<\/p>\n<p class=\"wp-block-paragraph\">S&amp;P 500\u2019\u00fcn 2022 sonundan bu yana yakla\u015f\u0131k y\u00fczde 95 y\u00fckseldi\u011fi belirtilen raporda, son d\u00f6nemdeki varl\u0131k art\u0131\u015f\u0131nda y\u00fcksek piyasa de\u011ferlemelerinin ve yapay zek\u00e2 beklentilerinin \u00f6nemli rol oynad\u0131\u011f\u0131 ifade edildi. Allianz Research\u2019\u00fcn analizine g\u00f6re, endekste y\u00fczde 25\u2019lik bir d\u00fczeltme ya\u015fanmas\u0131, ABD hanehalklar\u0131n\u0131n servetinden bir y\u0131l i\u00e7inde yakla\u015f\u0131k 27 trilyon dolar silebilecek. Toplam net varl\u0131klar\u0131n yakla\u015f\u0131k y\u00fczde 14\u2019\u00fcne kar\u015f\u0131l\u0131k gelen bu kayb\u0131n, g\u00fcven ve t\u00fcketimdeki zay\u0131flama yoluyla ABD ekonomisini resesyona s\u00fcr\u00fckleyebilecek etkiler yaratabilece\u011fi belirtildi.<\/p>\n<p class=\"wp-block-paragraph\"><strong>Allianz Research Politika Ara\u015ft\u0131rmalar\u0131 Ba\u015fkan\u0131 Katharina Uterm\u00f6hl,<\/strong> yapay zek\u00e2n\u0131n etkisinin yarat\u0131lacak servetin b\u00fcy\u00fckl\u00fc\u011f\u00fc kadar, kazan\u00e7lar\u0131n kimler taraf\u0131ndan elde edilece\u011fiyle de ilgili oldu\u011funu vurgulayarak \u201cYapay zek\u00e2 bir sonraki b\u00fcy\u00fck servet motoru olabilir, ancak as\u0131l soru kimin buna ortak olaca\u011f\u0131. Yapay zek\u00e2 potansiyel olarak de\u011fer yaratmay\u0131 sermayeye do\u011fru kayd\u0131rabilir. Bu nedenle yapay zek\u00e2 kaynakl\u0131 varl\u0131k art\u0131\u015f\u0131na daha geni\u015f kitlelerin kat\u0131l\u0131m\u0131n\u0131 sa\u011flayacak mekanizmalar ve \u00e7al\u0131\u015fanlar\u0131n d\u00f6n\u00fc\u015f\u00fcme uyum sa\u011flamas\u0131na y\u00f6nelik politikalar kilit \u00f6nem ta\u015f\u0131yor\u201d diye konu\u015ftu.<\/p>\n<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye\u2019de reel b\u00fcy\u00fcmeye d\u00f6n\u00fc\u015f<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de hanehalklar\u0131n\u0131n finansal varl\u0131klar\u0131 2025\u2019te y\u00fczde 45,1 artarak 540,9 milyar euroya ula\u015ft\u0131. Bu oran, 2024\u2019teki y\u00fczde 46,2\u2019lik b\u00fcy\u00fcmeye k\u0131yasla hafif bir yava\u015flamaya i\u015faret etse de T\u00fcrkiye, k\u00fcresel \u00f6l\u00e7ekte en h\u0131zl\u0131 nominal finansal varl\u0131k b\u00fcy\u00fcmesinin g\u00f6r\u00fcld\u00fc\u011f\u00fc \u00fclkeler aras\u0131nda yer ald\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Sigorta ve emeklilik fonlar\u0131 y\u00fczde 66,8 ile en h\u0131zl\u0131 b\u00fcy\u00fcyen finansal varl\u0131k kategorisi oldu. Bu kategoriyi y\u00fczde 58,6 ile menkul k\u0131ymetler ve y\u00fczde 35,3 ile mevduat izledi. Menkul k\u0131ymetlerin T\u00fcrkiye\u2019deki portf\u00f6yler i\u00e7indeki pay\u0131 y\u00fczde 32\u2019ye y\u00fckselirken, y\u00fczde 35,9 olan Do\u011fu Avrupa ortalamas\u0131n\u0131n alt\u0131nda kald\u0131. Mevduat, T\u00fcrkiye\u2019deki en b\u00fcy\u00fck finansal varl\u0131k kategorisi olmay\u0131 s\u00fcrd\u00fcrd\u00fc.<\/p>\n<p class=\"wp-block-paragraph\">Hanehalklar\u0131n\u0131n yeni tasarruflar\u0131 y\u00fczde 6,3 artarak 81,8 milyar euroya y\u00fckseldi. Yeni tasarruflar\u0131n y\u00fczde 43,5\u2019i menkul k\u0131ymetlere, y\u00fczde 41,9\u2019u mevduata, y\u00fczde 9,8\u2019i ise sigorta ve emeklilik fonlar\u0131na y\u00f6neldi. Raporda bu da\u011f\u0131l\u0131m, b\u00f6lgesel emsallerin \u00e7o\u011funa k\u0131yasla daha fazla piyasa odakl\u0131 bir tasarruf yap\u0131s\u0131 olarak nitelendirildi.<\/p>\n<p class=\"wp-block-paragraph\">Enflasyondan ar\u0131nd\u0131r\u0131lm\u0131\u015f finansal varl\u0131klar 2025\u2019te y\u00fczde 7,6 b\u00fcy\u00fcd\u00fc. B\u00f6ylece 2024\u2019teki y\u00fczde 7,7\u2019lik reel daralman\u0131n ard\u0131ndan yeniden art\u0131\u015f kaydedildi. T\u00fcrkiye\u2019nin 2019\u2019dan bu yana k\u00fcm\u00fclatif reel finansal varl\u0131k b\u00fcy\u00fcmesi y\u00fczde 74,4\u2019e ula\u015ft\u0131. Bu oran, raporda yer alan \u00fclkeler aras\u0131ndaki en g\u00fc\u00e7l\u00fc reel b\u00fcy\u00fcmeye i\u015faret etti.<\/p>\n<p class=\"wp-block-paragraph\">Hanehalk\u0131 y\u00fck\u00fcml\u00fcl\u00fckleri y\u00fczde 50 artarak 140,4 milyar euroya y\u00fckseldi. Buna ra\u011fmen net finansal varl\u0131klar y\u00fczde 43,5 art\u0131\u015fla 400,5 milyar euroya ula\u015ft\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Ki\u015fi ba\u015f\u0131na servette k\u00fcresel s\u0131ralama<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">2025 y\u0131l\u0131nda ki\u015fi ba\u015f\u0131na net finansal varl\u0131klarda ABD, 296.950 euro ile ilk s\u0131rada yer ald\u0131. ABD\u2019de y\u0131ll\u0131k art\u0131\u015f y\u00fczde 9,8 olurken, \u00fclke 2005\u2019teki ikinci s\u0131ras\u0131ndan birincili\u011fe y\u00fckseldi. \u0130svi\u00e7re, y\u00fczde 3,9 art\u0131\u015fla 275.980 euroya ula\u015farak ikinci oldu; 2005\u2019te ise listenin ba\u015f\u0131ndayd\u0131. Danimarka, y\u00fczde 2,4 art\u0131\u015fla 197.510 euroya ula\u015farak \u00fc\u00e7\u00fcnc\u00fc s\u0131raya yerle\u015fti ve 2005\u2019teki d\u00f6rd\u00fcnc\u00fc s\u0131ras\u0131n\u0131 bir basamak iyile\u015ftirdi.<\/p>\n<p class=\"wp-block-paragraph\">Singapur, ki\u015fi ba\u015f\u0131na 192.840 euro ve y\u00fczde 8,8 y\u0131ll\u0131k art\u0131\u015fla d\u00f6rd\u00fcnc\u00fc s\u0131rada yer al\u0131rken, 2005\u2019te 10\u2019uncuydu. Tayvan, 164.470 euro ve y\u00fczde 9,6 art\u0131\u015fla 12\u2019ncilikten be\u015fincili\u011fe; \u0130sve\u00e7, 155.980 euro ve y\u00fczde 6,2 art\u0131\u015fla 13\u2019\u00fcnc\u00fcl\u00fckten alt\u0131nc\u0131l\u0131\u011fa y\u00fckseldi. Kanada, y\u00fczde 9,8 art\u0131\u015fla 135.350 euroya ula\u015farak 11\u2019incilikten yedincili\u011fe \u00e7\u0131kt\u0131. Yeni Zelanda ise y\u00fczde 2,4 art\u0131\u015fla 127.550 euroya ula\u015farak dokuzunculuktan sekizincili\u011fe y\u00fckseldi.<\/p>\n<p class=\"wp-block-paragraph\">Hollanda\u2019da ki\u015fi ba\u015f\u0131na net finansal varl\u0131klar y\u00fczde 6,2 azalarak 116.600 euroya geriledi. \u00dclke, 2005\u2019te yedinci oldu\u011fu s\u0131ralamada dokuzuncu oldu. Bel\u00e7ika, y\u00fczde 4,2 art\u0131\u015fla 114.590 euroya ula\u015fmas\u0131na ra\u011fmen 2005\u2019teki \u00fc\u00e7\u00fcnc\u00fc s\u0131ras\u0131ndan 10\u2019unculu\u011fa geriledi.<\/p>\n<p class=\"wp-block-paragraph\">Avustralya, y\u00fczde 11 art\u0131\u015fla 113.190 euroya ula\u015farak 16\u2019nc\u0131l\u0131ktan 11\u2019incili\u011fe; Almanya, y\u00fczde 6,4 art\u0131\u015fla 91.780 euroya ula\u015farak 17\u2019ncilikten 12\u2019ncili\u011fe y\u00fckseldi. \u0130talya, y\u00fczde 8,8 art\u0131\u015fla 91.730 euro ve 13\u2019\u00fcnc\u00fc s\u0131rada yer al\u0131rken, 2005\u2019te alt\u0131nc\u0131yd\u0131. Japonya, y\u00fczde 7,9 art\u0131\u015fla 89.420 euroya ula\u015farak be\u015fincilikten 14\u2019\u00fcnc\u00fcl\u00fc\u011fe geriledi. \u0130rlanda, y\u00fczde 5 art\u0131\u015fla 83.590 euroya ula\u015farak 18\u2019incilikten 15\u2019incili\u011fe \u00e7\u0131kt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Avusturya, y\u00fczde 6,3 art\u0131\u015fla 82.260 euro ve 16\u2019nc\u0131 s\u0131rada yer ald\u0131; 2005\u2019te 15\u2019inciydi. Fransa, y\u00fczde 4,1 art\u0131\u015fla 77.940 euroya ula\u015farak 14\u2019\u00fcnc\u00fcl\u00fckten 17\u2019ncili\u011fe; Birle\u015fik Krall\u0131k, y\u00fczde 2 art\u0131\u015fla 72.200 euroya ula\u015farak sekizincilikten 18\u2019incili\u011fe geriledi. Malta, y\u00fczde 3,6 art\u0131\u015fla 65.720 euroya ula\u015farak 19\u2019uncu s\u0131ras\u0131n\u0131 korudu. \u0130spanya, y\u00fczde 11,2 art\u0131\u015fla 55.300 euroya ula\u015farak 21\u2019incilikten 20\u2019ncili\u011fe y\u00fckseldi.<\/p>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye\u2019de ki\u015fi ba\u015f\u0131na net finansal varl\u0131klar y\u00fczde 43,2 artarak 4.570 euro oldu. T\u00fcrkiye, 2005\u2019te 54\u2019\u00fcnc\u00fc oldu\u011fu k\u00fcresel s\u0131ralamada 2025\u2019te 46\u2019nc\u0131 s\u0131raya y\u00fckseldi.<\/p>\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fallianz-raporunda-servet-artisinin-yeni-aktoru-yapay-zeka%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>","protected":false},"excerpt":{"rendered":"<p>Allianz K\u00fcresel Varl\u0131k Raporu 2026, k\u00fcresel finansal varl\u0131klar\u0131n 2025\u2019te y\u00fczde 8,6 artarak 268,4 trilyon euroyla rekor k\u0131rd\u0131\u011f\u0131n\u0131 ortaya koydu. Raporda yapay zek\u00e2n\u0131n yeni servet yaratma potansiyeline ve piyasalarda olu\u015fturdu\u011fu k\u0131r\u0131lganl\u0131klara dikkat \u00e7ekilirken, T\u00fcrkiye\u2019de finansal varl\u0131klar\u0131n reel b\u00fcy\u00fcmesi y\u00fczde 7,6 ile<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-1081","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1081","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1081"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/1081\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1081"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1081"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1081"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}