{"id":830,"date":"2026-08-11T14:59:58","date_gmt":"2026-08-11T11:59:58","guid":{"rendered":"https:\/\/sigorta.nesiblog.com\/?p=830"},"modified":"2026-08-11T14:59:58","modified_gmt":"2026-08-11T11:59:58","slug":"sigorta-ve-emeklilik-sektorunde-ilk-yari-aktif-buyukluk-44-trilyon-tl","status":"publish","type":"post","link":"https:\/\/sigorta.nesiblog.com\/?p=830","title":{"rendered":"Sigorta ve emeklilik sekt\u00f6r\u00fcnde ilk yar\u0131: Aktif b\u00fcy\u00fckl\u00fck 4,4 trilyon TL"},"content":{"rendered":"<h4 class=\"wp-block-heading\"><strong>T\u00fcrkiye sigorta ve emeklilik sekt\u00f6r\u00fc, 2026\u2019n\u0131n ilk yar\u0131s\u0131nda bilan\u00e7o ve sermaye yap\u0131s\u0131ndaki b\u00fcy\u00fcmesini s\u00fcrd\u00fcrd\u00fc. Toplam aktif b\u00fcy\u00fckl\u00fck ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 45 artarak 4 trilyon 381 milyar TL\u2019ye, \u00f6zsermaye y\u00fczde 58 art\u0131\u015fla 512 milyar TL\u2019ye ula\u015ft\u0131. Sekt\u00f6r ilk alt\u0131 ayda 103,6 milyar TL net k\u00e2r elde ederken hayat ve emeklilikte teknik k\u00e2rl\u0131l\u0131ktaki art\u0131\u015f, hayat d\u0131\u015f\u0131nda ise yat\u0131r\u0131m gelirlerinin teknik sonu\u00e7lar \u00fczerindeki etkisi \u00f6ne \u00e7\u0131kt\u0131.<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">T\u00fcrkiye sigorta ve emeklilik sekt\u00f6r\u00fc, 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131n\u0131 g\u00fc\u00e7l\u00fc bilan\u00e7o yap\u0131s\u0131n\u0131 koruyarak tamamlad\u0131. Sekt\u00f6r\u00fcn toplam aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 45 art\u0131\u015fla 4 trilyon 381 milyar TL\u2019ye, \u00f6zsermayesi ise y\u00fczde 58 artarak 512 milyar TL\u2019ye y\u00fckseldi. Reel bazda aktif b\u00fcy\u00fckl\u00fck y\u00fczde 13, \u00f6zsermaye y\u00fczde 20 b\u00fcy\u00fcd\u00fc.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn d\u00f6nem net k\u00e2r\u0131 ilk alt\u0131 ayda 103,6 milyar TL olarak ger\u00e7ekle\u015fti. Bu tutar\u0131n 67,5 milyar TL\u2019sini hayat d\u0131\u015f\u0131 sigorta \u015firketleri, 36,1 milyar TL\u2019sini hayat ve emeklilik \u015firketleri elde etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Hayat ve emeklilikte aktif b\u00fcy\u00fckl\u00fck 2,9 trilyon TL\u2019ye ula\u015ft\u0131<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Y\u0131l\u0131n ilk yar\u0131s\u0131nda hayat ve emeklilik \u015firketlerinin sonu\u00e7lar\u0131 sekt\u00f6r\u00fcn finansal performans\u0131na \u00f6nemli katk\u0131 sa\u011flad\u0131. Bu \u015firketlerin aktif b\u00fcy\u00fckl\u00fc\u011f\u00fc ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 54 artarak 2,9 trilyon TL\u2019ye, \u00f6zsermayesi ise y\u00fczde 64 art\u0131\u015fla yakla\u015f\u0131k 117,4 milyar TL\u2019ye ula\u015ft\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Reel b\u00fcy\u00fcme aktiflerde y\u00fczde 17, \u00f6zsermayede y\u00fczde 24 olarak ger\u00e7ekle\u015fti. Hayat sigortalar\u0131nda teknik k\u00e2r 25,7 milyar TL\u2019ye ula\u015farak ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 78, reel y\u00fczde 35 artt\u0131. Emeklilik bran\u015f\u0131nda teknik k\u00e2r ise 1,3 milyar TL olarak ger\u00e7ekle\u015firken nominal y\u00fczde 60, reel y\u00fczde 21 b\u00fcy\u00fcme kaydedildi.<\/p>\n<p class=\"wp-block-paragraph\">\u0130lk yar\u0131 sonu\u00e7lar\u0131, uzun vadeli tasarruf ve g\u00fcvence ihtiyac\u0131n\u0131n sekt\u00f6r\u00fcn geli\u015fimindeki \u00f6nemini korudu\u011funa ve hayat ile emeklilik \u015firketlerinin dengeli b\u00fcy\u00fcmeye katk\u0131s\u0131n\u0131n g\u00fc\u00e7lendi\u011fine i\u015faret etti.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Hayat d\u0131\u015f\u0131nda yat\u0131r\u0131m gelirlerinin teknik sonu\u00e7lara katk\u0131s\u0131 s\u00fcrd\u00fc<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Hayat d\u0131\u015f\u0131 sigortalarda yat\u0131r\u0131m gelirleri hari\u00e7 teknik zarar, 2026\u2019n\u0131n ilk yar\u0131s\u0131nda 45,3 milyar TL\u2019ye ula\u015ft\u0131. Ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6neminde 27,1 milyar TL olan zarar, nominal olarak y\u00fczde 67 artt\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Ayn\u0131 d\u00f6nemde teknik olmayan b\u00f6l\u00fcmden hayat d\u0131\u015f\u0131 sigortalara aktar\u0131lan yat\u0131r\u0131m gelirleri 121,1 milyar TL olarak ger\u00e7ekle\u015fti. S\u00f6z konusu gelirler ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 29 artarken reel bazda y\u00fczde 2 geriledi.<\/p>\n<p class=\"wp-block-paragraph\">Yat\u0131r\u0131m gelirlerinin katk\u0131s\u0131yla hayat d\u0131\u015f\u0131 sekt\u00f6r\u00fcn teknik k\u00e2r\u0131 75,9 milyar TL\u2019ye ula\u015ft\u0131. Teknik k\u00e2r nominal y\u00fczde 14 artmas\u0131na kar\u015f\u0131n reel olarak y\u00fczde 14 darald\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Bu g\u00f6r\u00fcn\u00fcm, yat\u0131r\u0131m gelirlerinin hayat d\u0131\u015f\u0131 sigortac\u0131l\u0131kta teknik k\u00e2r\u0131n olu\u015fumundaki belirleyici rol\u00fcn\u00fc korudu\u011funa i\u015faret ederken, asli sigortac\u0131l\u0131k faaliyetlerinden s\u00fcrd\u00fcr\u00fclebilir teknik k\u00e2rl\u0131l\u0131k yarat\u0131lmas\u0131n\u0131n \u00f6nemini de ortaya koydu.<\/p>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn toplam yat\u0131r\u0131m gelirleri 193,7 milyar TL, hayat d\u0131\u015f\u0131 sigortalar\u0131n toplam yat\u0131r\u0131m gelirleri ise 164,6 milyar TLolarak ger\u00e7ekle\u015fti. Hayat d\u0131\u015f\u0131 sigortalardaki yat\u0131r\u0131m gelirleri nominal y\u00fczde 25 artarken reel olarak y\u00fczde 5 azald\u0131.<\/p>\n<h4 class=\"wp-block-heading\"><strong>Faaliyet giderlerindeki art\u0131\u015f prim \u00fcretiminin \u00fczerinde<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">Sekt\u00f6r\u00fcn faaliyet giderleri y\u0131l\u0131n ilk yar\u0131s\u0131nda 151,5 milyar TL\u2019ye ula\u015farak ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 25 artt\u0131. Faaliyet giderlerindeki art\u0131\u015f\u0131n prim \u00fcretimindeki y\u00fczde 20\u2019lik nominal b\u00fcy\u00fcmenin \u00fczerinde kalmas\u0131, maliyet y\u00f6netiminin \u00f6nemini art\u0131rd\u0131.<\/p>\n<p class=\"wp-block-paragraph\">Hayat d\u0131\u015f\u0131 sigortalarda prim \u00fcretimindeki reel y\u00fczde 13\u2019l\u00fck daralma ile yat\u0131r\u0131m gelirleri hari\u00e7 teknik sonu\u00e7lardaki bozulman\u0131n birlikte de\u011ferlendirilmesi gerekiyor. Hasar maliyetlerindeki art\u0131\u015f\u0131n s\u00fcrmesi halinde teknik k\u00e2rl\u0131l\u0131k ve d\u00f6nem k\u00e2r\u0131 \u00fczerindeki bask\u0131n\u0131n \u00f6n\u00fcm\u00fczdeki d\u00f6nemde de devam edebilece\u011fi \u00f6ng\u00f6r\u00fcl\u00fcyor.<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cG\u00fc\u00e7l\u00fc sermaye yap\u0131m\u0131z\u0131 s\u00fcrd\u00fcr\u00fclebilir teknik k\u00e2rl\u0131l\u0131kla desteklemeliyiz\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\"><strong>T\u00fcrkiye Sigorta Birli\u011fi Ba\u015fkan\u0131 Ahmet Ya\u015far,<\/strong> 2026 y\u0131l\u0131n\u0131n ilk yar\u0131s\u0131na ili\u015fkin finansal sonu\u00e7lar\u0131na ili\u015fkin de\u011ferlendirmesinde \u201c\u0130lk yar\u0131 sonu\u00e7lar\u0131, sigorta ve emeklilik sekt\u00f6r\u00fcm\u00fcz\u00fcn g\u00fc\u00e7l\u00fc bilan\u00e7o ve sermaye yap\u0131s\u0131n\u0131 korudu\u011funu g\u00f6steriyor. Aktif b\u00fcy\u00fckl\u00fc\u011f\u00fcm\u00fcz\u00fcn 4,4 trilyon TL\u2019ye, \u00f6zsermayemizin yakla\u015f\u0131k 512 milyar TL\u2019ye ula\u015fmas\u0131, sekt\u00f6r\u00fcm\u00fcz\u00fcn ekonomik dayan\u0131kl\u0131l\u0131\u011f\u0131 a\u00e7\u0131s\u0131ndan son derece de\u011ferli\u201d ifadelerini kulland\u0131.<\/p>\n<p class=\"wp-block-paragraph\">\u201cBununla birlikte sonu\u00e7lar, g\u00fc\u00e7l\u00fc bilan\u00e7o yap\u0131m\u0131z\u0131 s\u00fcrd\u00fcr\u00fclebilir teknik k\u00e2rl\u0131l\u0131kla desteklememiz gerekti\u011fini de ortaya koyuyor\u201d diyen Ya\u015far, \u015f\u00f6yle devam etti: \u201cHayat d\u0131\u015f\u0131 sigortalarda yat\u0131r\u0131m gelirleri hari\u00e7 teknik zarar\u0131n 45,3 milyar TL\u2019ye ula\u015fmas\u0131 ve ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re y\u00fczde 67 artmas\u0131, teknik sonu\u00e7lar\u0131m\u0131z\u0131 g\u00fc\u00e7lendirmemiz gerekti\u011fine i\u015faret ediyor. Yat\u0131r\u0131m gelirleri teknik k\u00e2rl\u0131l\u0131\u011fa katk\u0131 sa\u011flamay\u0131 s\u00fcrd\u00fcrse de sa\u011fl\u0131kl\u0131 fiyatlama, etkin risk y\u00f6netimi ve maliyet disiplini temel \u00f6nceliklerimiz olmaya devam edecek. Hayat ve emeklilik taraf\u0131nda teknik k\u00e2rl\u0131l\u0131kta kaydedilen reel b\u00fcy\u00fcme ise uzun vadeli tasarruf ve g\u00fcvence sistemimizin T\u00fcrkiye ekonomisi a\u00e7\u0131s\u0131ndan ta\u015f\u0131d\u0131\u011f\u0131 de\u011feri bir kez daha g\u00f6steriyor.\u201d<\/p>\n<h4 class=\"wp-block-heading\"><strong>\u201cG\u00fc\u00e7l\u00fc bir sigorta sekt\u00f6r\u00fc T\u00fcrkiye ekonomisinin dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131r\u0131r\u201d<\/strong><\/h4>\n<p class=\"wp-block-paragraph\">\u00d6n\u00fcm\u00fczdeki d\u00f6nemde g\u00fc\u00e7l\u00fc sermaye yap\u0131s\u0131n\u0131 korurken teknik k\u00e2rl\u0131l\u0131\u011f\u0131 geli\u015ftirmeyi, sigortal\u0131l\u0131k oran\u0131n\u0131 art\u0131rmay\u0131 ve daha fazla birey ile i\u015fletmenin ihtiya\u00e7 duydu\u011fu g\u00fcvenceye eri\u015fmesini sa\u011flamay\u0131 hedeflediklerini dile getiren Ya\u015far, \u201cG\u00fc\u00e7l\u00fc bir sigorta sekt\u00f6r\u00fc yaln\u0131zca riskleri kar\u015f\u0131lamaz; tasarruflar\u0131 destekler, yat\u0131r\u0131mlar\u0131n \u00f6n\u00fcn\u00fc a\u00e7ar ve T\u00fcrkiye ekonomisinin dayan\u0131kl\u0131l\u0131\u011f\u0131n\u0131 art\u0131r\u0131r\u201d diye konu\u015ftu .<\/p>\n<p class=\"wp-block-paragraph\">\n<div class=\"twitter-share\"><a href=\"https:\/\/twitter.com\/intent\/tweet?url=https%3A%2F%2Fsigortamedya.com.tr%2Fsigorta-ve-emeklilik-sektorunde-ilk-yari-aktif-buyukluk-44-trilyon-tl%2F&amp;via=sigortamedya\" class=\"twitter-share-button\">Tweet<\/a><\/div>\n<\/p>","protected":false},"excerpt":{"rendered":"<p>T\u00fcrkiye sigorta ve emeklilik sekt\u00f6r\u00fc, 2026\u2019n\u0131n ilk yar\u0131s\u0131nda bilan\u00e7o ve sermaye yap\u0131s\u0131ndaki b\u00fcy\u00fcmesini s\u00fcrd\u00fcrd\u00fc. Toplam aktif b\u00fcy\u00fckl\u00fck ge\u00e7en y\u0131l\u0131n ayn\u0131 d\u00f6nemine g\u00f6re nominal y\u00fczde 45 artarak 4 trilyon 381 milyar TL\u2019ye, \u00f6zsermaye y\u00fczde 58 art\u0131\u015fla 512 milyar TL\u2019ye ula\u015ft\u0131. Sekt\u00f6r<\/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-830","post","type-post","status-publish","format-standard","hentry","category-genel"],"_links":{"self":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/830","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=830"}],"version-history":[{"count":0,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=\/wp\/v2\/posts\/830\/revisions"}],"wp:attachment":[{"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=830"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=830"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sigorta.nesiblog.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=830"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}