2006 Yılı Faaliyet Raporu

Transkript

‹Ç‹NDEK‹LER
CONTENTS
Sunufl
3
Preface
Türkiye Sigorta ve Reasürans fiirketleri Birli¤i (TSRfiB)
5
Association of the Insurance and Reinsurance Companies of
Turkey (TSRSB)
Girifl
Sosyo-Ekonomik Geliflmeler
Dünya Sigorta Sektörü
Avrupa Birli¤i Sigorta Sektörü
14
17
18
Introduction
Socio-Economic Developments
Global Insurance Industry
European Union Insurance Industry
Türk Sigorta Sektörü
1.Genel Bak›fl
2.Prim Gelirleri
3.Sigorta Branfllar›
3.1.Yang›n Sigortalar›
3.2.Nakliyat Sigortalar›
3.3.Kaza Sigortalar›
3.4.Mühendislik Sigortalar›
3.5.Tar›m Sigortalar›
3.6.Hukuksal Koruma Sigortalar›
3.7.Kredi Sigortalar›
3.8.Sa¤l›k Sigortalar›
3.9.Hayat Sigortalar›
3.10.Sorumluluk Sigortalar›
4.Sektörün Hasar De¤erlendirmesi
5.Türk Reasürans Piyasas›
6.Sigorta ve Reasürans fiirketlerinin Yat›r›mlar›
7.DASK Poliçeleri
20
22
24
25
26
27
29
30
31
32
33
34
35
36
38
40
41
The Turkish Insurance Industry
1. General Outlook
2. Premium Income
3. Insurance Branches
3.1. Fire Insurance
3.2. Marine Insurance
3.3. Accident Insurance
3.4. Engineering Insurance
3.5. Agricultural Insurance
3.6. Legal Protection Insurance
3.7. Credit Insurance
3.8. Health Insurance
3.9. Life Insurance
3.10. Liability Insurance
4. Evaluation of the Losses in the Sector
5. The Turkish Reinsurance Market
6. Investments of the Insurance and Reinsurance Companies
7. TCIP Policies
Türk Sigorta Sektörünün ‹statistiki Tablolar›
1.Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar›
44
2.Hayat D›fl› Sigorta Branfllar›n›n Konsolide Kar/Zarar Hesab›
(fiirketler)
3.Hayat Branfl› Konsolide Kar/Zarar Hesab› (fiirketler)
4.Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab›
(Reasürans fiirketleri)
5.Hayat Branfl›n›n Konsolide Kar/Zarar Hesab›
(Reasürans fiirketleri)
6.Emeklilik Branfl› Konsolide Kar/Zarar Hesab›
7.Branfllara Göre Teknik Karlar ve Art›fl Oranlar›
8.Hayat D›fl› Branfllar›n Hasar Prim Oranlar›
9.Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar
Tablosu
10.Sigorta ve Reasürans fiirketlerinin Özkaynaklar›
11.Sigorta fiirketlerinin Alacaklar› (Hayat Dahil)
12.Sigorta fiirketlerinin Toplam Prim - Genel GiderTeknik Kar- Bilanço Kar› ‹liflkisi
13.fiirketlere ve Branfllara Göre Prim Gelirleri
48
50
52
54
55
56
56
57
58
58
59
60
Statistical Tables of the Turkish Insurance Sector
1. Consolidated Balance Sheet of Insurance and Reinsurance
Companies
2. Consolidated Profit and Loss Accounts of Non Life Branches
(Companies)
3. Consolidated Profit and Loss Accounts of Life Branch (Companies)
4. Consolidated Profit And Loss Account of Non-Life Branches
(Reinsurance Companies)
5. Consolidated Profit and Loss Account of Life Branch (Reinsurance
Companies)
6. Consolidated Profit and Loss Account of Pension Branch
7. Technical Profit According to Branches and Annual Changes
8. Loss Ratios of Non-Life Branches
9. Consolidated Financial Profit and Loss Accounts of Insurance and
Reinsurance Companies
10. Equity Capital of Insurance and Reinsurance Companies
11. Receivables of Insurance Companies (Including Life)
12. Relations between Total Premiums - General Expenditures Technical Profit - Balance Sheet Profit
13. Premium Income by Company and by Branch
Yasal Düzenlemeler ve Avrupa Birli¤i Mevzuat›na Uyum
Çal›flmalar›
1.Mevzuata ‹liflkin Çal›flmalar
64
2.Di¤er Mevzuat Geliflmeleri
66
3.Hazine Müsteflarl›¤›’na Görüfl Bildirilen Çal›flmalar
70
4.Di¤er Çal›flmalar
72
Legislation and Harmonization with the Acquis Communautaire
TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹
ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY
1. Activities in the Legislative Field
2. Other Legislative Developments
3. Works Related to the Regulations of the Treasury
4. Other Activities
1
‹Ç‹NDEK‹LER
CONTENTS
Uluslararas› Kurulufllarla ‹liflkiler ve
Avrupa Birli¤i Uyum Süreci Çal›flmalar›
1.Avrupa Birli¤i ile ‹liflkiler
2.Uluslararas› Kurulufllarla ‹liflkiler
3.Avrupa Birli¤i ile ‹lgili Di¤er Faaliyetler
Relations with International Institutions and Harmonization
with the European Union
1. Relations with the European Union
2. Relations with International Institutions
3. Other Activities Related to the European Union
76
78
81
Mali ve Finansal Konulardaki Geliflmeler ve Faaliyetler
1.Mali Konulardaki Faaliyetler
84
2.Finansal Konulardaki Faaliyetler
88
Developments and Activities in Fiscal and Financial Matters
1. Activities about Fiscal Matters
2. Activities about Financial Matters
Konferanslar ve Yay›nlar
1.Düzenlenen Toplant›, Konferans ve Sempozyumlar
2.Yay›nlar
3.Di¤er Faaliyetler
Conferences and Publications
1. Meetings, Conferences and Symposiums Organized
2. Publications
3.Other Activities
92
93
95
Ek: Sigorta ve Reasürans fiirketlerinin ‹sim ve Adresleri
Annex: Names and Addresses of the Insurance and Reinsurance
Companies
2 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹
SUNUfi
PREFACE
Türk ekonomisinde yaflanan olumlu geliflmeler, AB uyum süreci
kapsam›nda gerçeklefltirilen reformlar ve ülkemizin sahip oldu¤u
genç nüfus yabanc› yat›r›mc›lar›n gözünde Türkiye’yi yat›r›m
yap›labilecek bir pazar haline getirmifltir. Uluslararas› finansal
aktörlerin serbestçe hareket etti¤i bir ortamda 2006 y›l›nda Türk
Sigorta Sektöründe yaflanan birleflmeler ve sat›n almalar neticesinde
yabanc› sermaye giriflinde önemli bir art›fl olmufltur. Türk Sigorta
Sektörüne yat›r›m yapan yabanc› sermayenin sigortac›l›k kökenli
olmas›, sektörümüzdeki rekabeti pozitif yönde etkileyecektir. Sa¤l›kl›
ve sigortac›l›k tekni¤ine daha uygun rekabetin oluflmas›, serbest tam
rekabete izin veren, di¤er yandan uluslararas› flirketlerin mali yap›lar›n›
düzenleyecek mevzuat›n oluflturulmas› ve uygulanmas›yla mümkün
olacakt›r. Türk Sigorta Sektöründeki düzenlemeler aç›s›ndan var
olan yasal bofllu¤un doldurulmas› ve sektörün sa¤l›kl› bir yasaya
kavuflmas› için y›llard›r üzerinde çal›fl›lan Sigortac›l›k Kanun Tasla¤›
TBMM gündemine al›nm›fl ve 3 Haziran 2007 tarihinde TBMM
taraf›ndan kabul edilmifltir. Bu, Türk Sigorta Sektörü aç›s›ndan
önemli bir geliflmedir.
Positive economic developments, reforms accomplished during the
EU harmonization process and its young population, make Turkey
an attractive country for investment in the eyes of foreign investors.
In an environment where international financial actors benefit from
free movement, there has been a remarkable increase of foreign
capital inflow to the Turkish insurance market mostly as a result of
mergers and acquisitions. The fact that foreign investors are at the
same time insurers in origin will have a positive competitive impact
in our market. A healthy competitive environment will be possible
by the formation and implementation of an insurance legislation
providing for free competition and at the same time regulating the
financial structures of international companies. The long awaited
Turkish Insurance Law has been discussed in the Turkish Parliament
and approved on June 3, 2007 to fulfill the legal and regulatory gaps
in the Turkish insurance sector. This has been a very significant
development for the entire sector.
2006 y›l›nda sigorta sektörünün teknolojik altyap›s›n›n geliflmesi,
yetiflmifl eleman kadrosunun ve hizmet kalitesinin artmas› prim
üretimi art›fl›n› da beraberinde getirmifl ve y›lsonu itibariyle Türkiye
de faaliyet gösteren sigorta flirketlerinin prim üretimi, 2005 y›l›na
göre % 23.68 oran›nda bir art›fl göstermifl ve toplam 9.667.541.000
YTL’ye ulaflm›flt›r.
Sigorta uygulamalar›n›n niteli¤inin art›r›lmas› amac›yla; sektörün
güncel konular›n›n tart›fl›ld›¤› ve konuyla ilgili uzmanlar›n sunum
yapt›¤›, “Türkiye’nin AB’ye Tam Üyeli¤ine Do¤ru Türk Sigorta
Sektörünün Öncelikli Sorunlar›” isimli toplant›lar dizisine 2006 y›l›
içerisinde de devam edilmifl, bu kapsamda “Mortgage Sigorta
Ürünleri” ve “Konut Finansman› Kanun Tasar›s›n›n
De¤erlendirilmesi” bafll›kl› iki toplant› düzenlenmifltir. “Küresel
Sigorta Piyasalar› ve Türk Sigorta Sektörünün Rekabet Gücü” konulu
‹kinci Ulusal Sigorta Sempozyumu gerçeklefltirilmifl ve Avrupa
Sigorta ve Reasürans Birlikleri Federasyonu (CEA) taraf›ndan her
y›l düzenlenen Genel Kurul toplant›lar›, ‹stanbul’da, Birli¤in ev
sahipli¤inde düzenlenmifltir.
Tüm bu çal›flmalar›n yan›nda Birli¤imiz, AB Türkiye Temsilcili¤i,
AB Brüksel Ofisi, OECD, Dünya Bankas›, CEA ve Yabanc› Birlikler
ile 2006 y›l› içinde çeflitli toplant› ve ziyaretler gerçeklefltirmifltir.
Bu ziyaretlerde, söz konusu kurumlar›n yetkililerine Türk Sigorta
Sektörü ile ilgili güncel bilgiler verilmifltir.
2006 y›l›nda Sigorta Sektörünün vergilendirilmesi ile ilgili sorunlar,
geçmifl dönemde yaflanan geliflmeler, çözümsüz kalan hususlarda
Maliye Bakanl›¤› yetkilileri ile bir dizi toplant› yap›lm›fl ve Kurumlar
Vergisi Kanunu Tasar›s›’na iliflkin sigorta sektörünü do¤rudan
ilgilendiren 8inci ve 34üncü maddelerin sektörümüz istek ve
ihtiyaçlar›na uygun flekilde düzenlenmesi sa¤lanm›flt›r. Bunun yan›
s›ra Bay›nd›rl›k Bakanl›¤›, Çevre ve Orman Bakanl›¤›, Emniyet
Genel Müdürlü¤ü ve di¤er ilgili kurum ve kurulufllarla sektörümüzü
ilgilendiren konularla ilgili toplant› ve çal›flmalarda Birli¤imiz de
yer alm›flt›r.
In 2006, thanks to the improvement of the technological infrastructure
and the service quality of the companies and to the increases in the
number of trained employees, total premium volume of the insurance
companies operating in Turkey increased by 23.68 % when compared
to 2005 and reached TRY 9.7 billion ($6.8 billion).
In 2006, our Association continued to the “Seminars Concerning the
Primary Problems of the Turkish Insurance Sector throughout Turkey’s
EU Membership Process” in which specialists of the discussion topic
make presentations to inform the insurance sector representatives on
various issues. The topics of the meetings held in 2006 were “Mortgage
Insurance Products” and “Evaluation of the Draft Mortgage Law”.
The Second National Insurance Symposium of the Association,
entitled “Global Insurance Markets and the Competitiveness of the
Turkish Insurance Sector” was held on May 2006. On the other hand,
the Association hosted the 2006 General Assembly Meetings of the
European Insurance and Reinsurance Federation (CEA) in Istanbul.
In 2006, the Association paid a series of visits to international
organizations and held meetings with the officials of the Delegation
of the European Commission to Turkey, OECD, the World Bank,
CEA and foreign Associations. During these visits, the authorities
in charge have been given up-to-date information on the Turkish
insurance sector.
Meetings have also been held with the Ministry of Finance on the
problems relating to the taxation of the insurance sector in 2006,
developments that occurred during the previous period and problems
that remained unresolved. At the end of the meetings, Articles 8 and
34 of the New Corporate Tax Law relating directly to the insurance
sector were formulated in line with the demands and needs of our
sector. Moreover, meetings were held with the Ministry of Public
Works and Settlement, Ministry of Environment and Forestry, General
Directorate of Security and other related public and private institutions.
3
SUNUfi
PREFACE
Bu çal›flmalara ek olarak 2006 içinde Kaza Tespit Tutana¤›
Operasyonu, Solvency II Projesi, Genel Sa¤l›k Sigortas› ile ilgili
çal›flmalar gerçeklefltirilmifltir.
In addition to these, work has been carried on in 2006 on the Solvency
II Project, General Health Insurance and the Agree Statements of
Facts on Motor Vehicle Accident System.
Birli¤imiz ayr›ca, 2006 y›l›nda, sigortac›l›k e¤itimi veren yüksekokullar
ve sigortac›l›k meslek yüksekokullar›nda verilen “E¤itim
Seminerleri”ne devam etmifltir. Di¤er taraftan Birli¤imiz
sektörümüzdeki kaynak eksikli¤ini gidermek amac›yla bafllad›¤›
inceleme- araflt›rma yay›nlar›na devam etmifl ve 2006 y›l›nda toplam
9 adet kitap yay›mlanm›flt›r. Bu arada “Birlik’ten” dergisi de çeflitli
konu ve araflt›rmalarla yay›mlanmaya devam etmifltir. Birlik
çal›flmalar› ile ilgili ülkemizdeki ve dünya sigorta sektöründeki
geliflmelerin yer ald›¤› Türkçe ve ‹ngilizce e-bültenler ile inceleme
ve araflt›rmalar›n yer ald›¤› Sigorta Araflt›rmalar› Dergisi yay›nlanmaya
devam etmifltir.
In 2006, the Association continued to provide “Training Seminars”
in vocational insurance schools. On the other hand, the Association
continued to attach importance to the research and analysis activities
in the field of insurance that it considers as a significant deficiency
in the sector; and published 9 books in total in 2006. The periodical
“From the Association” (“Birlik’ten”) continued to be published
quarterly. Turkish and English e-bulletins covering the developments
in the Turkish insurance sector and the world and the Journal of
Insurance Studies continued to be published.
Birli¤imiz nezdinde faaliyette bulunan kurulufllardan biri olan
Karayolu Trafik Garanti Sigortas› Hesab›, 2006 y›l›nda da
çal›flmalar›na devam etmifl, 52.883 dosyaya iliflkin toplam 55.7
m i l y o n Y T L t a z m i n a t ö d e m e s i g e r ç e k l e fl t i r i l m i fl t i r .
TRAMER uygulamalar› ile sa¤lanan merkezi denetim sonras›nda
Trafik Sigortas›ndaki sigortas›zl›k oran›ndaki azalma e¤ilimi 2006
y›l›nda da devam etmifl ve bu oran %17’ye gerilemifltir. Ayr›ca Kasko
Sigortalar›nda TRAMER sisteminden on-line “Hasar Durum Belgesi”
verilmeye bafllanm›fl ve web üzerinden poliçe sorgulama olana¤›
sa¤lanm›flt›r. Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas›
poliçeleri için de Trafik sigortas›nda oldu¤u gibi “Hasar Durum
Belgesi” merkezi olarak verilmeye bafllam›flt›r.
5363 say›l› Tar›m Sigortalar› Kanunu çerçevesinde Havuz Kurulu
oluflturulmufl ve 01.06.2006 tarihi itibariyle Devlet Destekli Tar›m
Sigortalar› uygulamas› bafllam›flt›r. Bu çerçevede 16 sigorta flirketi
bir araya gelerek havuz iflleticisi TARS‹M A.fi.’yi kurmufltur. 2006
y›l›nda TARS‹M A.fi. taraf›nda Türkiye’de tüm meyvelere dolu,
yang›n, f›rt›na, hortum ve heyelan teminatlar›na ilaveten ekonomik
kay›plar aç›s›ndan önemli bir risk olan don riskinin de %50’sinin
devlet deste¤i ile teminat alt›na al›nmas› yönünde altyap› çal›flmalar›
tamamlanm›fl ve 2007 y›l›nda TARS‹M A.fi. Türk çiftçisine bu
teminat› sa¤lamaya bafllam›flt›r.
Türk Sigorta Sektörünün geliflmesi ve daha etkin hizmet verebilmesini
teminen, Birlik olarak yeni Sigortac›l›k Kanunumuza ba¤l› olarak
yap›lacak tüm Mevzuat düzenlemeleri baflta olmak üzere, Türk
Sigortac›l›¤›n›n geliflmesi ve kamuoyu nezdinde bilinilirli¤inin ve
prestijinin artmas›na yönelik çal›flmalar›m›z›n artarak devam edece¤ini
belirtir, sayg›lar›m› sunar›m.
The Highway Traffic Guarantee Account (Karayolu Trafik Garanti
Sigortas› Hesabi), one of the institutions operating under the
Association, maintained its activities in 2006 and made an
indemnification payment amounting to YTL 55.7 Million in total
regarding 52.883 files.
Following the centralized supervision provided by TRAMER (Motor
TPL Insurance Information Center), the tendency in the decrease of
non-insured motor vehicles continued in 2006 and declined to 17 %.
TRAMER also started to provide online “certificates for damages”
in Motor Vehicle Physical Damage Insurance and made it possible
to search policies online. As in traffic insurance, “certificates for
damages” for Compulsory Third Party Liability Insurance for Road
Passenger Transportation were started to be provided centrally.
A Pool was established in accordance with Agriculture Insurance
Law No: 5363 and as of June 1, 2006, the implementation of state
supported agriculture insurance started. In this context, 16 insurance
companies came together and established TARSIM A.fi. (Agricultural
Insurance Pool) in 2006, TARSIM A.fi. finalized the infrastructural
work for the provision of 50 % public support to cover frost risk in
addition to hail, storm, twister and avalanche coverage. In 2007,
TARSIM A.fi. started to provide this coverage to the Turkish farmers.
The Association is determined to continue its activities and endeavours
for developing the Turkish insurance sector, increasing its recognition
and prestige and implementing all the new legislation in line with
the new Insurance Law.
King regards
ASSICIATION OF THE INSURANCE AND REINSURANCE
COMPANIES OF TURKEY
TÜRK‹YE S‹GORTA VE REASÜRANS
fi‹RKETLER‹ B‹RL‹⁄‹
Hulusi TAfiKIRAN
Baflkan
President
TÜRK‹YE S‹GORTA VE
REASÜRANS fi‹RKETLER‹
B‹RL‹⁄‹
(TSRfiB)
ASSOCIATION OF THE
INSURANCE AND
REINSURANCE
COMPANIES OF TURKEY
(TSRfiB)
5
TAR‹HÇE
HISTORY
Türkiye'de sigortac›l›k faaliyetleri ve hizmetleri, 1870'lerden itibaren
ve daha çok yabanc› sigorta flirketleri taraf›ndan bafllat›lm›flt›r. Daha
sonra sigorta flirketleri, aralar›nda “meslek kuruluflu” fleklinde
örgütlenme ihtiyac›n› duymufllar ve 12. 07.1900 tarihinde Beyo¤lu
TEUTONIA salonunda 44 yabanc› flirket taraf›ndan “‹stanbulda
Faaliyette Bulunan Yang›n Sigorta fiirketleri Sendikas›” ad›yla ilk
meslek kuruluflu oluflturulmufltur. 13.12.1914 tarihinde “Ecnebi
Anonim ve Sermayesi Eshama Munkasem fiirketler ile Ecnebi Sigorta
fiirketleri Hakk›ndaki Kanun-u Muvakkat” kabul edilmifltir. Bu
sendika daha sonra 1916 y›l›nda "Türkiye'de Çal›flan Sigorta fiirketleri
Cemiyeti"ne dönüfltürülmüfltür. Bu cemiyetin, o tarihlerde tamam›
yabanc› olan 81 üyesi bulunmakta idi.
In Turkey the first insurance transactions were started mainly by
foreign insurance companies which decided to establish a professional
organization among themselves. Later the insurance companies felt
the need of being organized among themselves as a “professional
organization” and the first respective organization was formed on
12 July 1900 with the name of “Syndicate of Fire Insurance Companies
Operating in Istanbul” by 44 foreign companies at the TEUTONIA
Hall in Beyoglu. The Provisional Law Regarding the Foreign Insurance
Companies” was approved on 13 December 1914. This Syndicate
was turned into “The Society of Insurance Companies Operating in
Turkey” in 1916 which had 81 members all of them being foreign
companies.
1923 y›l›nda Türkiye Cumhuriyeti'nin kurulmas›ndan sonra, 11 Mart
1924 tarihinde bu cemiyet kald›r›larak, yerine "Sigortac›lar Kulübü"
kurulmufltur. Daha sonra bu Kulüp yerini 1925 y›l›nda kurulan
“Sigortac›lar Daire-i Merkeziyesi”ne b›rakm›flt›r. Bu ibare ilk kez
21 Aral›k 1926 tarihli Ticaret Bakanl›¤› yaz›s›nda görülmüfltür. 1149
Say›l› “Sigorta fiirketlerinin Teftifl Murakabesi Hakk›nda Kanun”
31.07.1927 tarihinde yürürlü¤e girmifltir. 1149 say›l› Kanun’un baz›
maddelerinin de¤ifltirilmesine ve baz› maddelerin ilave edilmesine
iliflkin 3392 say›l› kanun kabul edilerek 28.05.1938 tarihinde yürürlü¤e
girmifltir.
Following the establishment of the Turkish Republic in 1923, this
Society was abolished and “The Club of Insurers” was set up on 11
March 1924 which later in year 1925 was replaced by “The Central
Office of Insurers”. This expression was for the first time used in a
document of the Ministry of Commerce dated 21st December 1926.
“Law No.1149 regarding the Inspection and Supervision of Insurance
Companies” was put into force on 31 July 1927. Later, Law No.3392
amending some articles of Law No.1149 and the inclusion of new
articles was approved and put into force on 28 May 1938.
1950 y›l›nda Ankara’da toplanan “Sigorta fiuras›”nda sigorta
flirketlerinin denetlenmesi konusunda yeni bir yasa tasla¤› haz›rlanm›fl
ve sigortac›l›k meslek kuruluflu konusu gündeme gelmifltir. Yasa
tasla¤› “Sigortac›lar Daire-i Merkeziyesi”ne görüfl almak üzere
gönderilmifltir. “Sigortac›lar Daire-i Merkeziyesi” üyeleri aras›nda
bu taslakla ilgili anlaflmazl›klar ç›km›fl ve Genel, Güven, Halk,
Ankara ve ‹nan Sigorta üyelikten istifa etmifllerdir. Temmuz 1952’de
üyelikten ayr›lan bu flirketlere Anadolu Sigorta ve Destek Reasürans
flirketlerinin kat›l›m›yla “Türkiye Sigorta fiirketleri Birli¤i” ad›yla
tüzel kiflili¤e haiz bir meslek birli¤i kurmufllard›r. 16.07.1952 tarihinde
Bakanlar Kurulu taraf›ndan “Türkiye Sigorta fiirketleri Birli¤i”
anasözleflmesi tasdik edilmifltir.
1952-1954 y›llar› aras›nda bir tarihte “Sigortac›lar Daire-i
Merkeziyesi”nin ad› “Türkiye Sigortac›lar Cemiyeti” olarak
de¤ifltirilmifltir. Ocak 1954’de “Türkiye Sigorta fiirketleri Birli¤i”
kapanm›fl ve “Türkiye Sigorta ve Reasürans fiirketleri Birli¤i”
nizamnamesi yay›nlanm›flt›r. 22.01.1954 tarihinde Türkiye Sigorta
fiirketleri Birli¤i ile Türkiye Sigortac›lar Cemiyetinin birleflmesi ile
oluflturulan “Türkiye Sigorta ve Reasürans fiirketleri Birli¤i”nin ilk
umum toplant›s› yap›lm›flt›r. 21.12.1959 tarihinde “Sigorta fiirketlerinin
Murakabesi Hakk›nda 7397 Say›l› Kanun" kabul edilmifl ve 30.12.1959
tarihinde yürürlü¤e girmifltir.
10.06.1976 tarihinde Türkiye Sigorta ve Reasürans fiirketleri Birli¤i
Ana Tüzü¤ü yürürlü¤e girmifltir. 11.06.1987 tarihinde 7397 say›l›
Kanunun baz› maddelerini de¤ifltiren ve kanuna baz› maddeler ekleyen
3379 say›l› “Sigorta Murakabe Kanunu” yürürlü¤e girmifltir. Bu
kanunla, Birli¤e "kamu kurumu niteli¤inde meslek kuruluflu" hüviyeti
verilmifltir. Bu kanunla yap›lan bir baflka de¤ifliklikle de, Birli¤in
organ seçimlerinin yarg› gözetimi alt›nda, yani hakim nezaretinde
yap›lmas› esas› getirilmifltir. 30.01.1989 tarihinde “Türkiye Sigorta
ve Reasürans fiirketleri Birli¤inin Çal›flma Usulleri Hakk›nda
Yönetmelik” yürürlü¤e girmifltir.
In 1950, a new draft-law was prepared in respect of the supervision
of insurance companies at the meeting of “Insurance Council” which
came together in Ankara and the subject of insurance profession
organization was put on the agenda. This draft-law was then sent to
the “Central Office of Insurers” in order to take their views; however
regarding this draft-law there occurred disagreement among the
members of this Office and the insurance companies; Genel, Güven,
Halk, Ankara and Inan resigned from the membership. In July 1952
Anadolu Sigorta and Destek Reasürans submitted their resignations
and they established the “Association of Insurance Companies of
Turkey” which had a status of a legal entity. On 16 July 1952, the
statue of this association was approved by the Council of Ministers.
Between 1952 and 1954 the name of the “Central Office of Insurers”
was changed to “Society of Turkish Insurers”. In January 1954 the
“Association of Insurance Companies of Turkey” was closed down
and the regulation of “Association of Insurance and Reinsurance
Companies of Turkey” was published. On 22 January 1954 the first
General Assembly of the “Association of the Insurance and
Reinsurance Companies of Turkey” which was formed by the
unification of the “Association of the Insurance Companies of Turkey”
and the “Society of Turkish Insurers” was carried out. On 21 December
1959 “Law No.7397 Regarding the Supervision of Insurance
Companies” was accepted and came into force on the 30th December
1959.
The statue of the Association of Insurance and Reinsurance Companies
of Turkey came into practice on 10 June 1976. By the coming into
force Law No.3379 regarding the Insurance Supervision on 11 June
1987 amending certain articles of the Law No.7397, status of the
Association turned into a public institution. Another amendment was
that the elections of the Association’s organs should be made under
judiciary supervision. Later on 30 January 1989 the “Regulation
Relating to the Working Principles of the Association of the Insurance
and Reinsurance Companies of Turkey” came into force.
TSRfiB HAKKINDA
ABOUT TSRSB
Türkiye'de faaliyette bulunan yerli ve yabanc› tüm sigorta ve reasürans
flirketleri ile yabanc› flirketlerin Türkiye’deki flubelerinin Hazine
Müsteflarl›¤›'ndan ruhsat ald›ktan sonra üç ay içinde Birli¤e üye
olmalar› zorunlu olup; Birli¤in 2006 y›l› sonu itibari ile 53’ü sigorta
flirketi ve 2'si de reasürans flirketi olmak üzere, toplam 55 üyesi
bulunmaktad›r. Üyelerimizin isim ve adres bilgileri Ek’de yer
almaktad›r. Birlik merkezi ‹stanbul'da olup, gerekli görülen yerlerde
temsilcilik açabilme yetkisine sahiptir.
All of the insurance and reinsurance companies, local or foreign,
operating in Turkey and branch offices of foreign companies in
Turkey are obliged to be members of the Association within three
months following their being licensed by the Undersecretariat for
the Treasury. At the end of 2006 the Association had 55 members,
53 being insurance and 2 reinsurance companies. The names and
addresses of our members are attached in Annex. The head office
of the Association is in Istanbul and it has the power to open
representative offices anywhere if it deems it necessary.
Kanunda belirtildi¤i üzere Birli¤in amaçlar›;
• Sigortac›l›k mesle¤inin geliflmesini sa¤lamak,
• fiirketler aras›nda dayan›flma sa¤lamak,
• Haks›z rekabeti önlemek üzere gerekli kararlar› almak ve
uygulamakt›r.
V‹ZYON
Türkiye Sigorta ve Reasürans fiirketleri Birli¤i’nin vizyonu güvenilir
ve tarafs›z bir otorite olarak, sigortac›l›k konusunda araflt›rmalar
yapmak, e¤itim ve tan›t›m faaliyetlerinde bulunmak, sektördeki tüm
paydafllar›n çal›flmalar›n› koordine etmek ve sigorta alan›nda referans
bir kurum haline gelmektir.
M‹SYON
- Sigortac›l›k mesle¤inin ve sigortac›l›k hizmetlerinin geliflmesi ve
yayg›nlaflmas›,
- Yurtiçinde ve d›fl›nda sigortac›l›¤a ait geliflmelerin izlenmesi ve
sigortac›l›k alan›nda araflt›rmalar yap›lmas›
- Sigortac›l›¤› ilgilendiren konularda Kamu ‹daresine görüfl
bildirilmesi
- Yurtiçinde ve d›fl›nda sigortac›l›kla ilgili di¤er meslek kurulufllar›
ile iliflkiler kurulmas›
- Sigorta flirketleri aras›ndaki iliflkilerde mesleki dayan›flman›n
güçlendirilmesi
- Sigortac›l›k alan›nda etik kurallar›n saptanmas›
- Üyeler aras›nda haks›z rekabetin ortadan kald›r›lmas›
As it is stated in the Law, the goals of the Association are as follows:
• To ensure the development of the insurance profession,
• To secure solidarity among insurance companies
• To adopt and implement all the necessary measures in order to
control unfair competition.
VISION
As a neutral and reliable authority, the vision of the Association of
the Insurance and Reinsurance Companies of Turkey is to become
the reference institution in the field of insurance through conducting
research, activities of publicity and education, organising and
coordinating the activities of all stakeholders in the sector.
MISSION
- Developing the insurance sector and promoting insurance services
- Monitoring national and international developments and conducting
research on insurance
- Providing advice to public authorities
- Establishing relations with similar national and international
institutions
- Empowering solidarity between insurance companies
- Producing code of ethics and ensuring unity in practices
- Eliminating unfair competition among members
- Establishing institutions for the development of the insurance
profession and providing educational activities
- Sigortac›l›k mesle¤inin gelifltirilmesi amac›na yönelik kurulufllar
kurulmas›, e¤itim faaliyetlerinde bulunulmas›
7
YÖNET‹M KURULU VE D‹⁄ER ORGANLAR
31.12.2006 ‹T‹BAR‹YLE
THE BOARD AND OTHER BODIES
AS OF 31.12.2006
B‹RL‹K BAfiKANI
Hulusi TAfiKIRAN
PRESIDENT OF THE
ASSOCIATION
YÖNET‹M KURULU
Baflkan
THE BOARD
President
Hulusi TAfiKIRAN
Mahir BAYYURDO⁄LU
Baflkan Yard›mc›s›
(01.02.2006 tarihine kadar)
(until 01.02.2006)
Vice President
Murat BALCI
(01.02.2006 tarihinden itibaren)
(From 01.02.2006)
Üye
Üye
Üye
Vice President
Member
Member
Member
M. Kemal OLGAÇ
Ertan FIRAT
Mustafa SU
Recep KOÇAK
Hasan GÜLLER
Üye
(until 31.08.2006)
Member
Üye
Rag›p YERG‹N
Serdar ÇITAK
Member
Üye
(until 31.08.2006)
Üye
(From 31.08.2006)
Üye
(From 31.08.2006)
DENET‹M KURULU
Üye
Üye
Member
Muhittin YURT
Member
Yusuf YEfi‹LIRMAK
Murat GÜVENEL
Mustafa AKAN
Tevfik CANSIZ
Üye
(until 31.08.2006)
Üye
(From 31.08.2006)
Member
BOARD OF AUDITORS
Member
Member
Member
Ramazan ÜLGER
D‹S‹PL‹N KURULU
Member
BOARD OFDISCIPLINE
Ali YÜCEKÖK
Üye
(Until 17.07.2006)
Member
Üye
Cengiz D‹REN
Gökhan ERÜN
Member
Üye
Member
(Until 20.10.2005)
Recai DALAfi
Üye
(From 20.10.2005)
Member
Ersin ERKAN
(From 01.09.2006)
GENEL SEKRETERL‹K
Genel Sekreter
Yönetim Kurulu Müflaviri
Genel Sekreter Yard›mc›s›
Erhan TUNÇAY
Zihni METEZADE
Okan UTKUER‹
(Until 15.03.2006)
Erdinç YURTSEVEN
GENERAL SECRETARIAT
General Secretary
Board Consultant
Deputy Secretary General
(From 01.05.2006)
Doç. Dr. Suna OKSAY
(Until 01.02.2007)
26.04.2007 TAR‹H‹NDE YAPILAN GENEL KURUL SONUCUNDA
OLUfiAN YÖNET‹M KURULU VE D‹⁄ER ORGANLAR
THE BOARD AND OTHER BODIES AS OF THE DATED
26.04.2007 GENERAL ASSEMBLY
PRESIDENT OF THE
ASSOCIATION
B‹RL‹K BAfiKANI
Hulusi TAfiKIRAN
YÖNET‹M KURULU
Baflkan
THE BOARD
President
Hulusi TAfiKIRAN
Rag›p YERG‹N
Vice President
Mustafa SU
Vice President
Üye
Kemal OLGAÇ
Member
Üye
Ertan FIRAT
Member
Üye
Okan UTKUER‹
Member
Üye
Muhittin YURT
Member
Üye
Bülent SOMUNCU
Member
Üye
M. ‹lker AYCI
Member
Üye
Yusuf Cemil SATO⁄LU
Member
DENET‹M KURULU
Üye
Üye
Üye
Murat GÜVENEL
Mustafa AKAN
Ramazan ÜLGER
D‹S‹PL‹N KURULU
BOARD OF AUDITORS
Member
Member
Member
BOARD OFDISCIPLINE
Üye
Giray VEL‹O⁄LU
Member
Üye
Cahit NOMER
Member
Üye
Mehmet AYDO⁄DU
Member
GENEL SEKRETERL‹K
GENERAL SECRETARIAT
Erhan TUNÇAY
General Secretary
Zihni METEZADE
Board Consultant
Erdinç YURTSEVEN
Genel Sekreter
9
ORGAN‹ZASYON YAPISI
ORGANIZATIONAL STRUCTURE
TSRSB-ORGAN‹ZASYON fiEMASI
Genel Sekreter Yrd.
Genel Sekreter
AB ve Uluslararas› ‹liflkiler
Asistan
Bilgi ‹fllem
Mali ve ‹dari ‹fller
Kaza D›fl› Branfllar
Kaza ve Hasar
TEMEL SORUMLULUKLAR:
• Avrupa Birli¤i mevzuat›n›n izlenmesi
• Birlik gereksinimleri do¤rultusunda
• Uluslararas› iliflkiler, (Kurumsal iliflkiler,
‹statistik, Aktüerya ve IT Destek
Üyelikler, yurtd›fl› tan›t›m ve medya
iliflkileri)
Mali ve Finansal Düzenlemeler
yaz›l›m gelifltirilmesi
donan›mlar›n kurulum ve iflletimi
• Database yönetimi
• Bilgi ifllem ile ba¤lant›l› kullan›c› destek
hizmetleri
• Sorgular›n Yan›tlanmas› (Mahkeme
yaz›lar›, flirket sorular›n›n yan›tlanmas›,
genel sorular›n yan›tlanmas›)
• Bilgi üretimi ve paylafl›m›
• Yurtd›fl› sektör örnek ve
uygulamalar›n›n izlenmesi
• Sektör bilgi ihtiyaçlar›n›n öngörülmesi
ve projelendirilmesi
• ‹statistik üretimi (Sektör ihtiyaçlar›
do¤rultusunda)
fiöför - Hizmetli
• Sunucular, çevre birimleri ve di¤er tüm
• Websitesi / Portal teknik yönetimi
Hukuk ve Mevzuat
Sekreterya - Santral
E¤itim, Yay›n, Projeler
• Muhasebe ifllemleri ve raporlama
• Bütçe takip, nakit ak›fl yönetimi ve
finansman
• ‹dari ifllerle ilgili faaliyetler
• Ekipmanlar›n bak›m, onar›m ve sat›n
almalar
• Arfliv ve Muhaberat
• Personel iflleri, E¤itim
• Kütüphanedeki süreli ve süresiz
yay›nlar›n güncelli¤inin sa¤lanmas› ve
bilgilerinin kütüphane program›na
aktar›lmas›
• Komite çal›flmalar›n›n desteklenmesi
ve yönlendirilmesi
• Sektörel iflbirli¤i projeleri gelifltirilmesi
ve yürütülmesi
• Muhasebe ve vergi mevzuat›n›n
izlenmesi, sektör sorunlar› ve ihtiyaçlar›
do¤rulusunda çal›flmalar yap›lmas›
• Avrupa Birli¤i mevzuat›n›n uyarlanmas›
• Sektör bilgi ihtiyaçlar›n›n öngörülmesi
ve projelendirilmesi
ORGAN‹ZASYON YAPISI
ORGANIZATIONAL STRUCTURE
TSRSB-ORGANIZATION CHART
Adviser to the Board
Secretary General
EU and International Relations
Assistant
Information Technology
Non-Accident Branches
Accident and Claims
MAIN RESPONSIBILITIES
• Monitoring and harmonization with EU
• Development of necessary software in
insurance legislation
Statistics, Actuary and IT Support
Fiscal and Financial Regulations
Financial and Administrative
Affairs Head of Unit
Secretariat - Santral
line with the needs of the Association
• International relations (international and
• Servers, installation and management
organizational corporate cooperation,
of all hardware
international publicity)
• Database management
Drivers - Workers
Education, Publication
• Website / portal technical management
Law and Legislation
• IT and related users support services
• Acounting and reporting
• Budget, cashflow, management and
• Responding queries (Courts, questions
finance
from companies and general questions)
• Administrative tasks
• Development and sharing of knowledge
• Maintance, repairment and purchase
• Monitoring foreign sectoral developments
of equipment
and implementation
• Archives and communication
• Preparation and implementation of
• Human resourcesand education
projects of the sectoral needs
• Management of the library
• Preparation of statistics in line with the
needs of the sector
• Supporting and directing committee work
• Development and conduct of sectoral
cooperation projects
• Monitoring fiscal and taxation legislation,
conducting research in accordance with
the needs and problemsof the sector
• Monitoring and adapting national and
EU insurance legislation
• Preparation and implementation of
projects in accordance with sectoral needs
11
G‹R‹fi
INTRODUCTION
13
SOSYO-EKONOM‹K GEL‹fiMELER
SOCIO-ECONOMIC DEVELOPMENTS
2006 y›l›nda Gayri Safi Milli Has›la (GSMH) cari fiyatlarla %
18.4’lük art›flla 575.8 milyar YTL, ABD dolar› cinsinden % 10.8’lik
art›flla 399.7 milyar dolar olmufltur. Gayri Safi Yurtiçi Has›la (GSY‹H)
ise cari fiyatlarla %18.3’lük art›flla 576.3 milyar YTL’ye, ABD dolar›
cinsinden %10.7’lik art›flla 400 milyar dolara yükselmifltir.
Gross National Product (GNP) reached YTL 575.8 billion by an
increase of 18.4%, 399.7 billion dollars in USD currency by an
increase of 10.8% in 2006 whereas Gross Domestic Product (GDP)
reached YTL 576.3 billion by an increase of 18.3%, in USD currency
400 billion dollars by an increase of 10.7% with current prices.
2006 y›l›nda sektörlerin geliflme h›z›na bak›ld›¤›nda, tar›m sektörünün
%2.9, sanayi sektörünün %7.9 büyüdü¤ü görülmektedir. Büyümenin
lokomotifi olarak görülen inflaat sektöründeki büyüme ise %19.4’e
ulaflmaktad›r.
As for the growth rate in the sectors in 2006, the agricultural sector
grew by 2.9% whereas the industrial sector grew by 7.9%. The
construction sector considered as the leading sector in terms of
growth grew by 19.4%.
2006 y›l›nda kifli bafl›na düflen GSMH cari fiyatlarla bir önceki y›la
göre % 16.9’luk art›flla 7.890 YTL, ABD dolar› cinsinden ise %9.4’lük
art›flla 5.477 dolar olarak gerçekleflmifltir.
GNP per capita reached YTL 7.890 by an increase of 16.9% in 2006
with current prices, 5.477 dollars in USD currency by an increase
of 9.4% when compared with previous year.
2005 y›l›nda 190 milyar dolar olan d›fl ticaret hacmi ise 2006 y›l›nda
222 milyar dolara ulaflm›flt›r. Bu dönemde ihracat %15.9 art›flla 85
milyar dolar, ithalat ise %17.3 art›flla 137 milyar dolar olmufltur. D›fl
ticaret aç›¤› da %19.8 oran›nda art›fl göstererek 51.9 milyar dolara
ulaflm›flt›r. Dolay›s›yla 2006 y›l›nda ihracat›n ithalat› karfl›lama oran›
%62.1’e gerilemifltir.
Foreign trade volume which amounted to 190 billion dollars in 2005
reached 222 billion dollars in 2006. Exports reached 85 billion dollars
by an increase of 15.9% whereas imports reached 137 billion dollars
by an increase of 17.3% in the same period. Foreign trade deficit
reached 51.9 billion dollars by an increase of 19.8%. Therefore the
export coverage decreased to 62.1% in 2006.
2006 y›l›nda gerek turist say›s› gerek turizm gelirleri bir önceki
seneye göre gerileme göstermifltir. Ülkemizden ç›k›fl yapan yabanc›
turist say›s› 19.3 milyon, vatandafl say›s› ise 3.8 milyon olmufltur.
Turizm gelirleri 12.5 milyar dolar› yabanc› ziyaretçilerden 4.3 milyar
dolar› da vatandafllardan olmak üzere 16.8 milyar dolar olarak
gerçekleflmifltir.
Both the number of tourists and tourist receipts decreased in 2006
when compared with previous year. The number of international
tourists departing from the country reached 19.3 million whereas the
number of citizens departing reached 3.8 million. Tourist receipts
amounted to 16.8 billion dollars, 12.5 billion dollars from international
tourists 4.3 billion from the citizens.
Tüm bu geliflmeler ›fl›¤›nda, turizm gelirlerindeki gerileme ve yüksek
d›fl ticaret aç›¤›na paralel olarak, 2005 y›l›nda 23 milyar dolar aç›k
veren cari ifllemler dengesi, 2006 y›l›nda 31.3 milyar dolar aç›k
vermifltir. Böylece, cari ifllemler dengesi aç›¤› GSMH’nin %7.8’ine
ulaflm›flt›r.
In the light of these developments, parallel to the decrease in tourist
receipts and high foreign trade deficit the foregoing the current
account balance that showed 23 billion dollar deficit in 2005 showed
a deficit amounting to 31.3 billion dollars in 2006. Thus the current
account balance deficit reached 7.8% of GNP.
Di¤er taraftan, 2006 y›l› Ocak-Aral›k döneminde net uluslararas›
do¤rudan yat›r›m girifli (fiili girifl), 19.8 milyar dolar düzeyinde
gerçekleflmifltir. Uluslararas› do¤rudan yat›r›m giriflleri kaleminde
yer alan sermaye girifli 2006 y›l›nda toplam 17.4 milyar dolara ulaflm›fl
olup, 2005 y›l›na göre 2 kattan fazla art›fl göstermifltir. Uluslararas›
do¤rudan yat›r›m giriflinin baflta mali sektör olmak üzere, ulaflt›rma,
haberleflme ve depolama hizmetleri, toptan-perakende ticaret ve
imalat sanayi sektörlerinde gerçekleflti¤i görülmektedir.
On the other hand the foreign direct investment inflows (actual entry)
amounted to 19.8 billion dollars in January-December period in
2006. Capital inflows included in the international direct investment
inflow items reached 17.4 billion dollars in total in 2006 by an
increase more than 2 folds when compared to 2005. It is observed
that the foreign direct investment inflows also happened especially
in the financial industry, transportation, communication and storing
services, wholesale-retail trade and manufacturing industry sectors.
2006 y›l› bütçe performans› ise son derece olumlu gerçekleflmifltir.
2006 y›l›nda merkezi yönetim bütçe gelirleri 171.3 milyar YTL,
giderleri ise 175.3 milyar YTL olarak gerçekleflmifl, böylece bütçe
aç›¤› 4 milyar YTL olmufltur. Bütçe aç›¤›n›n GSMH’ye oran› %0.7’ye
düflerek Avrupa Birli¤i Maastricht kriterlerini karfl›lamaya devam
etmifltir. Faiz d›fl› fazla da 42 milyar YTL ile GSMH’n›n %7.2’si
düzeyinde gerçekleflmifltir. 2005 y›l› rakamlar› merkezi yönetim
bütçesi baz›nda verilmedi¤i için, son iki y›l› karfl›laflt›rma imkan›
bulunmamaktad›r.
Sosyal geliflmelerle ilgili olarak, 2000 y›l› nüfus say›m›na göre
yap›lan geçici nüfus projeksiyonlar›na göre, 2006 y›l›nda y›ll›k nüfus
art›fl h›z›n›n % 1.24, toplam nüfusun ise 72.974.000 oldu¤u tahmin
edilmektedir. Ortalama yaflam süresinin ortalama 71.5, erkeklerde
69.1, kad›nlarda ise 74 oldu¤u tahmin edilmektedir.
Budget performance in 2006 was profoundly positive. General
government budget income amounted to YTL 171.3 billion where
as general government budget expenses amounted to YTL 175.3
billion in 2006, thus the budget deficit reached YTL 4 billion. The
proportion of the budget deficit to GNP decreased by 0.7%, it still
fulfilled the European Union, Maastricht criteria. Primary surplus
was 7.2% of GNP by YTL 42 billion dollars. It is not possible to
compare the last two years because 2005 figures are not indicated
on the basis of central government budget.
As for the social developments, it is estimated that annual birth
growth rate was 1.24%, and the total population was 72.974.000 in
2006 according to temporary population projections made according
to 2000 census. Average life time is estimated to be 71.5 years, 69.1
years for men 74 years for women.
a) Nüfusun yafl gruplar›na göre da¤›l›m›:
a) Breakdown of population by age group:
0-14 yafl grubu : % 28.1
14-65 yafl grubu : % 65.9
65+ yafl grubu : % 6
0-14 years: 28.1 %
14-65 years: 65.9 %
Over 65 years: 6 %
b) 2005-2006 ö¤retim y›l›nda okullaflma oran›:
b) School enrollments in 2005-2006 academic year:
Okul öncesi e¤itim : % 19.9
‹lkö¤retimde
: % 95.6
Orta ö¤retimde : % 85.2
Yüksek ö¤retimde : % 43.4
Preschool education: 19.9 %
Elementary school education: 95.6 %
Secondary school education: 85.2 %
University education: 43.4 %
c) Sa¤l›k
c) Health
Yatak say›s› : 197.170
Doktor say›s› : 103.150
Yatak bafl›na düflen kifli say›s› : 372
Doktor bafl›na düflen kifli say›s› : 707
Number of beds: 197.170
Number of doctors: 103.150
Number of people/beds: 372
Number of people/doctors: 707
d) ‹stihdam
d) Employment
‹flgücü : 24.776.000
‹stihdam : 22.330.000
‹flgücüne Kat›lma Oran› : % 48
Toplam istihdam içinde;
Tar›m sektörünün pay› : % 27.3
Sanayi sektörünün pay› : % 19.7
‹nflaat : %5.7
Hizmetler sektörünün pay› : % 47.3
Workforce: 24.776.000
Employment: 22.330.000
Labor Participation Rate: 48 %
Sectoral shares of employment;
Agriculture: 27.3 %
Industry: 19.7 %
Construction: 5.7 %
Services: 47.3 %
2005 y›l›nda sosyal sigorta programlar› taraf›ndan kapsanan nüfusun
oran› %92, sa¤l›k hizmetleri bak›m›ndan sosyal sigorta kapsam›ndaki
nüfusun oran› ise %91,7’dir. Sosyal sigorta sisteminin en önemli
sorunu, sistemin gelirlerinin giderlerini karfl›layamamas›d›r. Sosyal
sigorta kurulufllar›na bütçeden yap›lan transfer tutar›n›n GSY‹H’ya
oran› 2000 y›l›nda yüzde 2,6 iken, bu oran 2005 y›l›nda yüzde 4,8’e
yükselmifltir.
In 2005 92% of the population was covered by social security schemes
whereas 91.7% of the population was covered by social security with
respect to healthcare services. The most important problem in the
social security system is that the systems incomes cannot cover the
expenses. While the proportion of the amount transferred from the
budget to the social security establishments to GDP was 2.6 percent
in 2000, it reached 4.8 percent in 2005.
15
2006 YILININ TEMEL SOSYO-EKONOM‹K GÖSTERGELER‹
MAIN SOCIO-ECONOMIC INDICATORS FOR 2006
Nüfus (2006 Y›l Ortas›)
Nüfus Art›fl H›z› (%)
Bebek Ölüm Oran› (Binde)
Ortalama Yaflam (Erkek)
Ortalama yaflam (Kad›n)
Kentsel Nüfus (%)
Sivil ‹stihdam (15+Yafl)
‹flsizlik Oran› (%)
Doktor Bafl›na Düflen Nüfus
Yatak Bafl›na Düflen Nüfus
Okul Öncesi E¤itim Okullaflma Oran›-2005/2006(%)
Temel E¤itim Okullaflma Oran› -2005/2006 (%)
Ortaö¤retim Okullaflma Oran›-2005/2006 (%)
Yüksekö¤retim Okullaflma Oran›-2005/2006 (%)
Aktif Sigortal› Say›s›-2005
Ba¤Kur
Emekli Sand›¤›
SSK
Di¤er
72.974.000
1.24
22.6
69.1
74
67.9
22.330.000
9.9
707 (1)
372 (1)
19.9 (2)
95.6 (3)
85.2 (3)
43.4 (4)
11.547.549
2.103.651
2.402.409
6.965.937
75.552
Population (Mid 2006)
Population Growth Rate(%)
Infant Mortality Rate (per thousand)
Life Expectancy (Men)
Life Expectancy (Women)
Urban Population (%)
Civil Employment (Age 15+)
Unemployment Rate (%)
Number of people/doctors:
Number of people/beds:
Preschool Education Schooling Rate-2005/2006 (%)
Basic Education Schooling Rate-2005/2006 (%)
Secondary Education Schooling Rate-2005/2006 (%)
Higher Education Schooling Rate-2005/2006 (%)
Number of Active Insureds-2005
Ba¤Kur
Emekli Sand›¤›
SSK
Others
72.974.000
1.24
22.6
69.1
74
67.9
22.330.000
9.9
707 (1)
372 (1)
19.9 (2)
95.6 (3)
85.2 (3)
43.4 (4)
11.547.549
2.103.651
2.402.409
6.965.937
75.552
Gayri Safi Milli Has›la-Cari Fiyatlarla (milyon YTL)
Gayri Safi Milli Has›la-(milyon ABD Dolar›)
GSMH Büyüme Oran› (%)
Kifli Bafl›na GSMH- Cari Fiyatlarla (ABD Dolar›)
‹thalat (Milyon ABD Dolar›)
‹hracat (Milyon ABD Dolar›)
Turizm Gelirleri (Milyon ABD Dolar›)
Merkezi Yönetim Bütçe Gelirleri (milyar YTL)
Merkezi Yönetim Bütçe Giderleri (milyar YTL)
Bütçe Aç›¤›n›n GSMH’ye Oran› (%)
575.784
399.673
6.0
5.477
137.032
85.142
16.850
171.3
175.3
0.7
Gross National Product-Current Prices (million YTL)
Gross National Product (USD million)
GNP Growth Rate (%)
GNP per capita –Current Prices (USD)
Imports (USD million)
Exports (USD million)
Tourism Revenues (USD million)
General Government Budget Revenue (million YTL)
General Government Budget Expenses (million YTL)
Budget Deficit to GNP (%)
575.784
399.673
6.0
5.477
137.032
85.142
16.850
171.3
175.3
0.7
TÜFE (%)
ÜFE (%)
9.65
11.58
Consumer Price Index (%)
Producer Price Index (%)
Sigortal› Prim Geliri (milyon YTL)
Sigortal› Prim Geliri / GSMH (%)
9.668
1.68
Insurance Premium Income (million YTL)
Insurance Premium Income/GNP (%)
(1) DPT Tahmin
(2) 4-5 Yafl grubuna göre hesaplanm›flt›r.
(3) Aç›k ilk ö¤retim ve açık lise dahil
(4) Lisansüstü hariç
(1) SPO estimate
(2) According to 4-5 years of age
(3) Including open elementary school and open high school
(4) Except graduate level
9.65
11.58
9.668
1.68
DÜNYA S‹GORTA SEKTÖRÜ
THE GLOBAL INSURANCE INDUSTRY
2005 sonu itibar›yla Dünyada toplam prim büyüklü¤ü %3 art›flla
3.257 milyar dolardan 3.442 milyar dolara yükselmifltir. Toplam
prim üretiminin 3.009 milyar dolarl›k k›sm› geliflmifl ülkelerde
oluflurken, sigorta bilincinin tam olarak yerleflmedi¤i geliflmekte olan
ülkelerde bu miktar 433 milyar dolarda kalm›flt›r. Ancak, primler bir
önceki y›la göre geliflmifl ülkelerde %2.5 artarken, geliflmekte olan
ülkelerde art›fl oran› %7.5’e varmaktad›r. Dünya sigorta sektöründeki
büyüme 2005 y›l›nda da özellikle geliflmekte olan ülkelerden
kaynaklanmaktad›r. Amerika k›tas›nda reel primler 2004 y›l›na göre
%2.4 azal›rken, Avrupa’da %7.7 Asya’da ise %4.7 art›fl görülmektedir.
Total premium production in the world that amounted to 3.257 billion
dollars reached 3.442 billion dollars by an increase of 3% as of the
end of 2005. 3.009 billion dollars of the total premium production
happened in developed countries whereas it amounted to 433 billion
dollars in developing countries where the insurance awareness is not
sufficiently developed. However, when compared with the previous
year, while the premiums increased by 2.5% in developed countries,
the rate of increase reached 7.5% in developing countries. The growth
in the insurance industry in 2005 in the world emanates from the
developing countries. While real premiums in American continent
decreased by 2.4% it increased in Europe and Asia respectively by
7.7% and 4.7%.
Dünya prim üretiminin %38.7’sini gerçeklefltiren Avrupa k›tas› ilk
s›rada yer al›rken, bunu %36.2 ile Amerika ve %22.2 ile Asya takip
etmektedir. Geçen senelerde oldu¤u gibi, hayat d›fl› branfllarda prim
üretimi liderli¤ini Amerika elinde tutarken, hayat branfl›nda Avrupa
en büyük yüzdeye sahip k›tad›r.
Dünyada primlerin Gayri Safi Yurt ‹çi Has›laya (GSY‹H) oran› %7.5
iken, geliflmifl ülkelerde bu oran %9’u bulmakta, geliflmekte olanlarda
ise %3.6’da kalmaktad›r. Primlerin GSY‹H’ya oran›n›n en yüksek
oldu¤u ülke %14.5 ile Güney Afrika olup, bu ülkeyi %14.1 ile
Tayvan, %12.8 ile ‹ngiltere, %11.2 ile ‹sviçre ve %10.7 ile Japonya
takip etmektedir.
Dünyada kifli bafl›na düflen prim büyüklü¤ü ortalamas› 514 dolard›r.
Bu miktar geliflmifl ülkelerde 3.238 dolar iken, geliflmekte olan
ülkelerde 77 dolarda kalmaktad›r. Kifli bafl›na düflen primler Kuzey
Amerika’da 3.624 dolar, Avrupa Birli¤i’nde ise 2.459 dolar olup,
Afrika’da sadece 47 dolard›r. Ülkeler baz›nda bak›ld›¤›nda ise,
Dünyada en yüksek prim üretimi 1.109 milyar dolarla ABD’de olup,
bu miktar bir önceki seneye göre reel bazda küçülmesine karfl›n,
dünyadaki toplam üretimin %32’sine denk gelmektedir. ABD’de
kifli bafl›na düflen prim üretimi 3.755 dolar olup, bu miktar›n yar›dan
fazlas›n› hayat-d›fl› primler oluflturmaktad›r. Dünyada kifli bafl›na en
yüksek prim üreten ülkeler 5.664 dolarla ‹sviçre ve 4.755 dolarla
‹ngiltere’dir.
Dünya Sigorta Sektörü (2005)
While the proportion of the premiums in the world to Gross Domestic
Product (GDP) is 7.5%, it reaches 9% in the developed countries,
but it is only 3.6% in the developing countries. The country where
the proportion of premiums to GNP is the highest is South Africa
by 14.5% followed by Taiwan by 14.1%, UK by 12.8%, Switzerland
by 11.2% and Japan by 10.7%.
In the world, premium production per capita amounts to 514 dollars.
It amounts to 3.238 dollars in developed countries whereas it amounts
to 77 dollars in developing countries. It amounts to 3.624 dollars in
South America and 2.459 dollars in the European Union whereas it
amounts to only 47 dollars in Africa. The USA has the highest
premium production in the world which amounts to 1.109 billion
dollars, it equals to 32% of the total global production in spite of the
decrease on real basis when compared with previous year. Premium
production per capita in the USA amounts to 3.755 dollars, the nonlife premiums constitute more than half of it. In Switzerland and the
UK it amounts to 5.664 dollars and 4.755 dollars respectively.
Global Insurance Industry (2005)
Prim üretimi
(milyon $)
Premium
Production
($ Million)
Amerika
America
Avrupa
Europe
Asya
Asia
Avustralya
Australia
Afrika
Africa
DÜNYA
WORLD
Sanayileflmifl ülkeler
Industrialized countries
Geliflmekte olan ülkeler
Developing countries
Constituting 38.7% of the global premium production, Europe is at
the top followed by America by 36.2% and Asia by 22.2%. As in
previous years, America is leading in non-life branches whereas
Europe has the highest percentage in the life branch.
2003 y›l›na göre reel
prim art›fl› (%)
% Year on year
change
Dünyadaki pay› (%)
% Share of world
total
Primlerin
GSY‹H’ya oran›(%)
Premiums as % of
GDP
Kifli bafl› prim ($)
Per capita
premium
production ($)
1.246.515
-2.4
36.21
7.77
1.410
1.332.319
7.7
38.70
7.83
1.519
765.238
4.7
22.23
6.89
198
55.865
-3.0
1.62
6.77
1.733
42.353
7.3
1.23
4.67
47
3.442.290
3.0
100
7.49
514
3.009.214
2.5
87.42
8.92
3.238
433.076
7.5
12.58
3.60
77
Kaynak: Swiss Re, Sigma No 5/2006
Source: Swiss Re, Sigma No 5/2006
17
AVRUPA B‹RL‹⁄‹ S‹GORTA SEKTÖRÜ
EUROPEAN UNION INSURANCE INDUSTRY
2005 y›l›nda 25 üyeli olan Avrupa Birli¤i’nde sigorta sektörü %8.5’lik
reel bir art›fl yakalayarak, Dünya ortalamas›n›n ve geliflmifl ülkelerin
ortalamas›n›n oldukça üstünde büyümüfl ve 1.24 trilyon dolar hacme
ulaflm›flt›r. Bu art›flta hayat branfl›nda prim üretiminin bir önceki y›la
göre %13 gibi yüksek bir oranda büyümesinden kaynaklanmaktad›r.
Hayat-d›fl› branfllardaki reel art›fl oran› ise %1.8’de kalm›flt›r. AB’de
prim hacmi Dünya prim hacminin %36’s›na denk gelmektedir. Hayat
branfl›nda prim büyüklü¤ü 773 milyar dolar, hayat-d›fl› branfllarda
ise 471 milyar dolard›r.
In 2005 the growth in the insurance industry in the European Union
was considerably higher than the global average and the average of
developed countries, and it reached 1.24 trillion dollars by a real
increase of 8.5%. Such an increase emanates from the 13% increase
of the life branch premium production. However the real increase
rate in the non-life branches was only 1.8%. Premium volume in the
EU equals to 36% of the global premium volume. Premium size in
the life branch amounts to 773 billion dollars whereas it amounts to
471 billion dollars in the non-life branches.
Ülkeler baz›nda bak›ld›¤›nda, AB’de en yüksek prim hacmi 336
milyar dolar ile ‹ngiltere’de görülürken, bu ülkeyi 220 ve 198 milyar
dolarla Fransa ve Almanya takip etmektedir. Polonya ve Macaristan
gibi yeni AB üyesi ülkelerin prim büyüklükleri ise s›ras›yla 9.4 ve
3.3 milyar dolard›r.
The UK has the highest premium volume in EU amounting to 336
billion dollars. It is followed by France and Germany by 220 and
198 billion dollars respectively. Premium size of the new members
of the EU such as Poland and Hungary is only 9.4 and 3.3 billion
dollars respectively.
AB’de kifli bafl›na prim üretimi, 2005 y›l›nda 2.459 dolar olurken,
AB 15 ülkelerinde bu ortalama 2.872 dolara ç›kmaktad›r. AB üyesi
ülkelerden ‹ngiltere’de 4.755 dolar kifli bafl› prim üretimi
gerçeklefltirilirken, bu miktar Hollanda’da 3.653, Fransa’da 3.462,
Almanya’da 2.318 dolar, yeni üyelerden Macaristan’da 333,
Polonya’da ise sadece 245 dolard›r.
Premium production per capita in the EU amounts to 2.459 dollars
in 2005 whereas the average in the EU-15 reaches to 2.872 dollars.
While the premium production per capita amounts to 4.755 in the
UK, it amounts to 3.653 in the Netherlands, 3.462 in France, 2.318
in Germany, and only 333 dollars in Hungary and 245 dollars in
Poland.
2005 y›l›nda AB’de sigorta sektörünün Gayri Safi Yurt ‹çi Has›la
(GSY‹H) içindeki pay› %8.42’ye yükselmifltir. ‹ngiltere, Hollanda
ve Fransa’da sigorta sektörünün GSY‹H içindeki pay› AB
ortalamas›n›n üzerindeyken, Polonya ve Macaristan gibi yeni üyelerde
bu oran %3 ile ortalaman›n oldukça alt›nda kalmaktad›r.
The ratio of the EU insurance industry to GDP reached 8.42% in
2005. While the ratio of the insurance industry in the UK, the
Netherlands and France in GDP is above the EU average, the rate
is considerably below the average in the new member countries such
as Poland and Hungary.
Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA) verilerine
göre, 2005 y›l›nda sektörde istihdam azalmaya devam etmifltir. AB
sigorta sektöründe 4.886 flirket faaliyet göstermekte olup, çal›flan
kifli say›s› 934 bindir.
According to CEA (European Insurance and Reinsurance Federation),
decrease in employment in the industry continued in 2005. There
are 4.886 companies in the EU insurance industry and the number
of employees is 934 thousand.
Avrupa Birli¤i Sigorta Sektörü (2005)
European Union Insurance Industry (2005)
Prim üretimi
(milyon $)
Premium
Production
($ Million)
‹ngiltere
UK
Fransa
France
Almanya
Germany
‹talya
Italy
Hollanda
Holland
Polonya
Poland
Macaristan
Hungary
AB 25
EU 25
AB 15
EU 15
Türkiye
Turkey
2004 y›l›na göre reel
prim art›fl› (%)
% Year on year
change
Dünyadaki pay› (%)
% Share of world
total
Primlerin
GSY‹H’ya oran›(%)
Premiums as % of
GDP
Kifli bafl› prim ($)
Per capita
premium
production ($)
336.157
13.0
9.77
12.86
4.755
220.237
9.8
6.40
10.18
3.462
197.964
1.8
5.75
6.85
2.318
141.357
7.5
4.11
7.39
2.225
59.578
-2.2
1.73
9.48
3.653
9.446
10.3
0.27
3.11
245
3.363
10.7
0.10
3.08
333
1.244.570
8.5
36.16
8.42
2.459
1.221.340
8.5
35.48
8.70
2.872
5.691
7.4
0.17
1.57
78
Kaynak: Swiss Re, Sigma No 5/2006
Source: Swiss Re, Sigma No 5/2006
TÜRK S‹GORTA
SEKTÖRÜ
THE TURKISH
INSURANCE INDUSTRY
19
1. GENEL BAKIfi
1. GENERAL OVERVIEW
31.12.2006 tarihi itibariyle Birli¤e kay›tl› 53 sigorta flirketi ve 2
reasürans flirketi bulunmakta iken 2007 y›l› bafl›nda Hazine
Müsteflarl›¤›’ndan ruhsat alan Coface Sigorta A.fi. üyelik baflvurusunda
bulunarak Birli¤in yeni üyesi olmufltur. Böylece Birli¤e üye sigorta
flirketi say›s› 54’e ve toplam üye say›s› ise 56’ya ulaflm›flt›r.
There are 53 insurance company and 2 reinsurance companies
registered with the Association as of 31.12.2006. Having taken a
license from the Undersecretariat of Treasury, Coface Sigorta A.fi.
made an application for membership and became a new member of
the Association at the beginning of 2007. Therefore the number of
member insurance companies increased to 54 and total number of
members to 56.
2006 y›l›nda iflas›na karar verilen sigorta ve reasürans flirketi
olmam›flt›r. Ticaret Sigorta A.fi.’nin yeni sözleflme ve sigorta yapma
yetkisi 16.04.2006 tarihi itibariyle kald›r›lm›flt›r.
Bat› Sigorta A.fi., Demir Sigorta A.fi, Inter Sigorta A.fi., Magdeburger
Sigorta A.fi., Merkez Sigorta A.fi., Rumeli Sigorta A.fi., Rumeli
Hayat Sigorta A.fi., T. Nippon Sigorta A.fi., Halk Reasürans A.fi.
aktif olarak yeni sigorta ve reasürans sözleflmesi yapmamaktad›rlar.
Emek Hayat Sigorta A.fi’nin Tasarruf Mevduat› Sigorta Fonuna
devrolunan hisselerinin % 99.99'u 21.02.2006 tarihinde yap›lan
ihalede Global Equities Management adl› kurulufla sat›lm›flt›r. Bu
flirketin ticari unvan› New Life Yaflam Sigorta olarak de¤iflmifl, ayr›ca
T.C Hazine Müsteflarl›¤› Sigortac›l›k Genel Müdürlü¤ü’nün
16.01.2007 tarihli, 1945 say›l› yaz›s›na istinaden flirkete yeni sigorta
ve reasürans sözlefleme yapma yetkisi yeniden verilmifltir.
2006 y›l›nda iki flirketin ticari unvan› de¤iflmifltir. ‹hlas Sigorta A.fi.
unvan›n› 30.06.2006 tarihinde % 99,99 oran›nda hissesini HDI
International AG’ye devretmesi neticesinde 19.07.2006 itibariyle
HDI Sigorta A.fi olarak, Halk Reasürans A.fi ünvan›n› 25.12.2006
tarihinde Art› Reasürans A.fi olarak de¤ifltirmifltir. Yine ‹sviçre
Sigorta A.fi. ve ‹sviçre Hayat Sigorta A.fi. 01.01.2007 tarihi itibariyle
unvanlar›n› Ergo ‹sviçre Sigorta A.fi. ve Ergo ‹sviçre Hayat Sigorta
A.fi. olarak de¤ifltirmifllerdir.
In 2006 there was no insurance and reinsurance company for which
a bankruptcy decision was taken. The authority to conclude new
contracts and to insure pertaining to Ticaret Sigorta A.fi. was removed
as of 16.04.2006.
Bat› Sigorta A.fi., Demir Sigorta A.fi, Inter Sigorta A.fi., Magdeburger
Sigorta A.fi., Merkez Sigorta A.fi., Rumeli Sigorta A.fi., Rumeli
Hayat Sigorta A.fi., T. Nippon Sigorta A.fi., Halk Reasürans A.fi.
do not actually conclude new insurance and reinsurance contracts.
99.99% of Emek Hayat Sigorta A.fi shares transferred to the Saving
Deposits Insurance Fund was sold to Global Equities Management
by a tender held on 21.02.2006. The title of this company was changed
as New Life Yaflam Sigorta, furthermore the authority to conclude
new insurance and reinsurance contracts was re-granted to the
company upon the correspondence of the TR Undersecretariat of
Treasury, Directorate General of Insurance dated 16.01.2007 and
number 1945.
Trade name of two companies changed in 2006. As a result of the
transfer of 99.99% of ‹hlas Sigorta A.fi. shares to HDI International
AG on 30.06.2006 the title of ‹hlas Sigorta A.fi. changed as HDI
Sigorta A.fi as of 19.07.2006 and the title of Halk Reasurans A.fi.
changed as Art› Reasürans A.fi. as of 25.12.2006. Titles of ‹sviçre
Sigorta A.fi. and ‹sviçre Hayat Sigorta A.fi. changed as respectively
Ergo ‹sviçre Sigorta A.fi. and Ergo ‹sviçre Hayat Sigorta A.fi. as of
01.01.2007.
1. GENEL BAKIfi
1. GENERAL OVERVIEW
Sigorta ve Reasürans fiirketleri Say›s›
Faaliyet Alan›
Fields of Operation
Sigorta flirketleri
Insurance Companies
Hayat
Life
Hayat D›fl›
Non-Life
Reasürans fiirketleri
Toplam
Total
Number of Insurance and Reinsurance Companies
2002
2003
2004
2005
2006
58
55
53
53
53
21
21
21
21
21
37
34
32
32
32
3
3
3
2
2
61
58
56
55
55
Branfllara Göre Sigorta fiirketleri Say›lar›
Branfllar
Branches
Yangın
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tarım
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal Accident
Kredi
Credit
K.M.A Mali Sorumluluk
Motor Vehicles TPL
Hayat
Life
Breakdown of Insurance Companies According to the Branches
2002
2003
2004
2005
2006
38
34
31
31
31
38
34
31
31
31
38
34
31
31
31
38
34
31
31
31
14
14
13
15
16
7
9
14
15
15
39
36
33
33
33
56
49
49
45
45
1
1
1
3
7
34
31
31
31
28
26
26
26
28
21
2. PR‹M GEL‹RLER‹
2. PREMIUM INCOME
2006 y›l› sonu itibariyle sektörde faaliyet gösteren 53 sigorta flirketinin
prim üretimi toplam› cari fiyatlarla bir önceki y›la göre % 23,68
oran›nda artarak 9.667.541.000 YTL’ye yükselmifltir. Ayn› dönemde
ABD Dolar› baz›nda toplam prim geliri % 15,88 oran›nda artarak
6 . 7 5 5 . 3 2 1 . 6 9 2 A B D D o l a r › o l a r a k g e r ç e k l e fl m i fl t i r .
By the end of year 2006, the total of premium production 53 insurance
companies operating in the sector, increased by 23,68 % at current
prices with respect to the previous year and reached 9.667.541.000
TRY. In the same period, total premium income based on USD has
increased by 15.88 % reaching to 6.755.321.692 USD.
2006 y›l›nda tüm branfllarda cari fiyatlarla prim üretimi artm›flt›r. En
yüksek art›fl % 85,37 ile Kredi branfl›nda gerçekleflmifl olup, bunu
% 39,34 ile Yang›n, % 33,71 ile Mühendislik, % 27,98 ile Ferdi
Kaza, % 27,18 ile Kaza, % 24,96 ile Hukuksal Koruma, % 23,23 ile
Sa¤l›k, % 19,14 ile Nakliyat, % 13,09 ile Karayollar› Motorlu Araçlar
Mali Sorumluluk, % 12,02 ile Tar›m ve % 11,58 ile Hayat branfl›
izlemifltir.
In year 2006, premium production in current prices in all branches
increased. The highest increase was realized in Credit branch by
85,37 %, and followed by Fire at the rate of 39,34 %, and by
Engineering at the rate of 33,71 %, by Personal Accident at the rate
of 27,98 %, by Accident at the rate of 27,18 %, by Legal Protection
at the rate of 24,96 %, by Health at the rate of 23,23 %, by Marine
at the rate of 19,14 %, by Motor Vehicles TPL at the rate of 13,09%,
by Agriculture at the rate of 12,02 % and by Life Insurance at the
rate of 11,58 %.
Branfllara Göre Prim Gelirleri, Y›llara Göre
De¤iflimler ve Branfllar›n Yüzde Paylar› (000 YTL)
Premium Income, Annual Changes, Percentage
Breakdown According to the Branches (000 TRY)
3.58
31.17 3.098.688
27.18
32.05
430.684
33.71
4.45
0.62
54.365
12.02
0.56
14.76
0.28
27.152
24.96
0.28
798.539
17.09
10.22
984.034
23.23
10.18
2.45
234.187
40.89
3.00
299.710
27.98
3.10
133.74
0.04
4.489
67.44
0.06
8.321
85.37
0.09
12.69 1.052.423
63.05
15.51
1.281.439
21.76
16.39 1.449.185
13.09
14.99
23.29
15.37
1.136.331
6.49
268.596
33.38
3.96
290.631
8.20
28.87 1.998.986
36.08
29.46
2.436.439
21.88
275.452
24.36
4.06
322.110
16.94
4.12
0.40
29.417
42.90
0.43
48.530
64.97
90.79
0.11
18.934
244.76
0.28
21.728
517.595
26.11
10.17
682.014
31.77
10.05
2.10
107.847
38.09
2.12
166.223
54.13
0.01
1.147
158.25
0.02
2.681
676.549
50.66
18.19
865.562
27.94
163.267
49.06
4.39
201.380
23.34
1.489.223
45.08
40.05 1.468.991
-1.36
195.868
59.83
5.27
221.497
13.08
4.35
15.424
78.20
0.41
20.586
33.47
2.878
27.70
0.08
5.492
410.422
51.79
11.04
78.097
43.93
444
25.41
645.476
17.01 1.067.121
3.96
Prim
Premium
19.14
Bir Önceki Y›la
Göre De¤iflim
Anual Changes
346.257
Prim
Premium
16.38
Bir Önceki Y›la
Göre De¤iflim
Anual Changes
39.34
Prim
Premium
Toplam ‹çindeki Pay›
Percentage Breakdown
2006
2005
2004
Bir Önceki Y›la
Göre De¤iflim
Anual Changes
Prim
Premium
2003
Bir Önceki Y›la
Göre De¤iflim
Anual Changes
Yangın
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tarım
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal Accident
Kredi
Credit
K.M.A Mali Sorum.
Motor Vehicles TPL
Hayat D›fl› Toplam
Non-Life Total
Hayat
Life
Toplam
Total
Bir Önceki Y›la
Göre De¤iflim
Anual Changes
Branfllar
Branches
Prim
Premium
2002
14.54 1.583.343
3.72
3.032.172
48.38
81.54 4.055.573
33.75
79.71 5.561.847
37.14
81.96
6.574.422
18.21
84.11 8.281.740
25.97
85.67
686.350
48.77
18.46 1.032.552
50.44
20.29 1.223.945
18.54
18.04
1.242.011
1.48
15.89 1.385.801
11.58
14.33
3.718. 522
48.45
100.00 5.088.125
36.83
33.37 100.00
7.816.434
100.00 6.785.792
15.19 100.00 9.667.541
23.68 100.00
2. PR‹M GEL‹RLER‹
2. PREMIUM INCOME
ABD Dolar› Olarak Prim Gelirleri ve Y›ll›k De¤iflim
Premium Income and Annual Changes in U.S. Dollars
2002
Branfllar
Branches
Yangın
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tarım
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal Accident
Kredi
Credit
K.M.A Mali Sorum.
Motor Vehicles TPL
Non-Life Total
Hayat
Life
Toplam
Total
Prim
Premium
2003
Bir Önceki
Y›la Göre
De¤iflim
Changes
Prim
Premium
2004
Bir Önceki
Y›la Göre
De¤iflim
Changes
Prim
Premium
2005
Bir Önceki
Y›la Göre
De¤iflim
Changes
Prim
Premium
2006
Bir Önceki
Y›la Göre
De¤iflim
Changes
Prim
Premium
Bir Önceki
Y›la Göre
De¤iflim
Changes
412,594,031
32.27
621,241,454
50.57
798,563,927
28.54
847,501,887
6.13
1.106.381.562
30,55
99,568,530
30.86
144,537,081
45.16
200,999,982
39.06
216,759,033
7.84
241.951.910
11,62
908,204,020
27.37
1,054,341,358
16.09
1,495,910,856
41.88
1,817,153,550
21.47
2.165.249.131
19,16
119,450,280
40.32
158,975,108
33.09
206,130,685
29.66
240,237,239
16.55
300.946.118
25,27
9,406,341
56.46
14,775,153
57.08
22,013,804
48.99
36,195,167
64.42
37.988.321
4,95
1,755,151
12.12
3,941,506
124.57
14,168,740
259.48
16,205,329
14.37
18.973.022
17,08
250,296,235
33.26
371,494,634
48.42
510,374,904
37.38
595,568,761
16.69
687.606.588
15,45
47,627,527
26.36
77,405,429
62.52
124,390,673
60.70
174,661,872
40.41
209.426.657
19,90
270,774
10.13
822,882
203.90
2,006,477
143.84
3,348,004
66.86
5.814.459
73,67
787,565,262
70.00
955,727,127
21.35
1.012.636.944
5,95
463,278,912
1,849,172,889
30.27
2,910,813,517
57.41
4,162,125,310
42.99
4,903,357,970
17.81
5.786.974.712
18,02
418,571,180
30.61
741,095,654
77.05
915,920,807
23.59
926,321,133
1.14
968.346.979
4,54
2,267,744,069
30.33
3,651,909,171
61.04
5,078,046,117
39.05
5,829,679,103
14.80
6.755.321.692
15,88
23
3. S‹GORTA BRANfiLARI
3. INSURANCE BRANCHES
Sigorta Murakabe Kanunu’na göre tesis edilmifl branfllar ile bu
kapsamda yer alan alt branfllar flunlardır:
Insurance branches determined according to the insurance Supervison
Law and sub-branches are as follows:
1. Mal Sigortlar›
A. Yang›n Sigortalar›
A.1. Yang›n Sigortas›
A.2. Yang›na Ba¤l› Kar Kayb› Sigortas›
A.3. Zorunlu Deprem Sigortas›
B. Kaza Sigortalar›
B.1. Kara Tafl›tlar› Kasko Sigortas›
B.2. H›rs›zl›k Sigortas›
B.3. Cam K›r›lmas›na Karfl› Sigorta
C. Nakliyat Sigortalar›
C.1. Tekne Sigortas›
C.2. K›ymet Nakliyat Sigortas›
C.3. Emtea Nakliyat Sigortas›
D. Makine Montaj Sigortalar›
D.1. Makine K›r›lmas› Sigortas›
D.2. Montaj Sigortas›
D.3. ‹nflaat Sigortas›
D.4. Elektronik Cihaz Sigortas›
E. Tar›m Sigortalar›
E.1. Tar›m Ürünleri Dolu Sigortas›
E.2. Hayvan Hayat Sigortas›
E.3. Kümes Hayvanlar›n›n Hayat Sigortas›
E.4. Sera Sigortas›
F. Kredi Sigortalar›
F.1. Kredi Sigortas›
F.2. ‹hracat Kredi Sigortas›
1. Property Insurances
A. Fire Insurances
A.1. Fire Insurance
A.2. Loss of Profit Insurance Due to Fire
A.3 .Compulsory Earthquake Insurance
B. Accident Insurances
B.1. Motor Vehicle Physical Damage Insurance
B.2. Theft Insurance
B.3. Plate Glass Insurance
C. Marine Insurances
C.1. Hull Insurance
C.2. Specie Insurance
C.3. Cargo Insurance
D. Engineering Insurances
D.1. Machinery Breakdown Insurance
D.2. Erection All Risk Insurance
D.3. Construction All Risk Insurance
D.4. Electronic Equipment Insurance
E. Agriculture Insurances
E.1. Crop – Hail Insurance
E.2. Livestock Insurance
E.3. Poultry Insurance
E.4. Greenhouse Insurance
F. Credit Insurances
F.1. Credit Insurance
F.2. Export Credit Insurance
2. Can Sigortalar›
A. Hayat Sigortalar›
A.1. Senelik Vefat Sigortas›
A.2. Tasarruflu Hayat Sigortas›
A.3. Y›ll›k Gelir Sigortas›
B. Ferdi Kaza Sigortas›
C. Sa¤l›k Sigortas›
D. Karayolu Yolcu Tafl›mac›l›¤› Zorunlu Koltuk Ferdi Kaza Sigortas›
E. Seyahat Sa¤l›k Sigortas›
2. Life Insurances
A. Life Insurances
A.1. Term Insurance
A.2. Saving Life Insurance
A.3. Annuities
B. Personal Accident Insurance
C. Health Insurance
D. Compulsory Road Passenger Transportation Personal Accident
Insurance
E. Travel Health Insurance
3. Sorumluluk Sigortalar›
A. Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas›
B. Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas›
C. Motorlu Kara Tafl›t Araçlar› ‹htiyari Mali Sorumluluk Sigortas›
D. Asansör Kazalar›nda Üçüncü Kiflilere Karfl› Sorumluluk Sigortas›
E. ‹flveren Sorumluluk Sigortas›
F. Üçüncü fiah›slara Karfl› Mali Mesuliyet Sigortas›
G. Tehlikeli Maddeler ve Tüpgaz Sorumluluk Sigortalar›
G. 1. Tehlikeli Maddeler Zorunlu Sorumluluk Sigortas›
G. 2. Tüpgaz Zorunlu Sorumluluk Sigortas›
H. Hukuksal Koruma Sigortas›
I. Özel Güvenlik Mali Sorumluluk Sigortas›
J. Zorunlu Sertifika Mali Sorumluluk Sigortas›
K. Mesleki Sorumluluk Sigortas›
3. Liability Insurances
A. Motor Vehicles Compulsory Third Party Liability Insurance
B. Compulsory Third Party Liability Insurance for Road Passenger
Transportation
C. Motor Vehicles Facultative Third Party Liability Insurance
D. Elevator Accident Third Part Liability Insurance
E. Employer Third Party Liability Insurance
F. General Third Party Liability Insurance
G. Compulsory Third Party Liability Insurances for LPG and
Dangerous Materials
G.1.Compulsory Third Party Liability Insurance for Hazardous
Substances
G.2. Compulsory Third Party Liability Insurance for LPG
H. Legal Protection Insurance
I. Private Security Third Party Liability Insurance
J.Compulsory Certificate Third Party Liability Insurance
K. Professional Liability Insurance
3.1. YANGIN S‹GORTALARI
3.1. FIRE INSURANCE
2006 y›l›nda Karadeniz ve Güneydo¤u Anadolu bölgelerinde yaflanan
sel felaketleri yaflanan do¤al afetler olarak belirtilmesine ra¤men bu
afetlerden kaynaklanan sigortal› toplam hasar ciddi boyutlara
ulaflmam›flt›r.
Although the flood disasters occurred in the Black Sea and North
Eastern Anatolia in 2006 were indicated as natural disasters, the total
insured damage arising thereof did not reach a crucial ratio.
Öte yandan risk baz›nda yaflanan hasarlarda önemli miktarda art›fl
olmufltur. Bu hasarlar›n bafl›nda Atatürk Havaliman›’nda yaflanan
yang›n hasar› gösterilebilir. Ayr›ca Trakya fiifle Cam Fabrikas›ndaki
sel hasar› ile Olmuksa, Ikea, Marshall ve Fiskobirlik tesislerindeki
yang›n hasarlar› da belli bafll› büyük hasarlar olarak dikkat
çekmektedir.
On the other hand there was a considerable increase in the risk-based
damages. The damage occurred due to the fire in Atatürk Airport
may be cited among such damages in the first place. Furthermore
the damage arising from the flood in Trakya fiifle Cam Fabrikas› and
the damage arising from the fire in Olmuksa, Ikea, Marshall and
Fiskobirlik facilities are striking as the main big damages.
Prim üretiminde yaflanan büyümeye ra¤men karl›l›kta beklenen
düzeyde bir büyüme gerçekleflmemifltir. Bunun sebebi olarak sektörde
y›llard›r devam eden yo¤un fiyat rekabeti ve çok düflük kar marjlar›yla
ifl yaz›lmas› gösterilebilir.
In spite of the growth in premium production the growth in the
profitability was not as much as the estimated. Intense price
competition and entering business with very low profit margins
continuing for years in the industry may be indicated as the reason
for that.
2006 y›l› içerisinde sivil rizikolara uygulanan deprem teminat› tarifesi
üzerinde de¤ifliklik yap›lm›fl ve mevcut Zorunlu Deprem Sigortas›
tarifesiyle uyumlu hale getirilmifltir.
Earthquake tariff applied for civil risks was modified during 2006,
and it was made consistent with current Compulsory Earthquake
Insurance Tariff.
Dünya genelinde de sigorta sektörünü etkileyen önemli do¤al afet
hasar› meydana gelmemifl, reasürörler aç›s›ndan oldukça iyi bir y›l
geçmifltir. Ancak bu durum katastrofik excess koruma fiyatlar›na
ayn› ölçüde yans›mam›flt›r. Sigorta flirketleri 2007 Excess of Loss
anlaflmalar›nda ciddi bir indirim beklerken, 2006 y›l›ndaki fiyatlarla
hemen hemen ayn› fiyatlarla koruma sat›n alabilmifllerdir.
No crucial damage influencing the insurance industry emerged due
to natural disasters all over the world either; it was considerably a
good year for the reinsurers. However, it was not reflected to the
catastrophic excess protection prices equally. While the insurance
companies expected a considerable discount in 2007 Excess of Loss
agreements, the protection they purchased cost almost the same price
as 2006 prices.
Otuzbir flirketin faaliyet gösterdi¤i yang›n branfl›nda 2006 y›l›nda
prim gelirleri 1.583.343.000 YTL’ye yükselerek bir önceki y›la göre
cari fiyatlarla % 39,34, ABD Dolar› baz›nda ise % 30,55 oran›nda
art›fl göstermifltir.
Yang›n branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›
2005 y›l›nda % 14,54 iken 2006 y›l›nda % 16,38’e yülselmifltir.
2006 y›l›nda yang›n branfl›nda hasar oran› % 49,40 olarak
gerçekleflerek, 2005 y›l›n›n hasar oran›na göre art›fl göstermifltir.
In the Fire Branch where thirty one companies are operating, the
premium income for year 2006 increased to 1.583.343.000 TRY,
recording an increase at the rate of 39,34 % in current prices and at
the rate of 30,55 % based on USA Dollars with respect to the previous
year.
The share of premium income in the Fire Branch within the total
premium income was while 14,54 % in year 2005, has rised to
16,38% in year 2006.
In year 2006, the loss ratio in the Fire Branch has been realized as
49,40 %, showing a rate of increase according to the loss ratio of
2005.
YTL
USD
YANGIN S‹GORTALARI
FIRE INSURANCE
1.583.342.654
2006
1.136.330.530
2005
1.067.121.000
2004
2003
2002
865.562.000
676.549.000
2006
1.106.381.562
2005
847.501.887
2004
2003
2002
798.563.927
621.241.454
412.594.031
25
3.2. NAKL‹YAT S‹GORTALARI
3.2. MARINE INSURANCE
2006 y›l›nda, d›flsat›m ve özellikle d›flal›mdaki art›fl›n etkisiyle yük
sigortalar›nda göreceli bir geliflme kaydedilmifltir. Ancak, döviz
kurlar›ndaki azalan seyir, d›flal›mda CIF d›flsat›mda da FOB sat›fl
sözleflmelerinin a¤›r basmas› ve fiyat rekabeti gibi nedenlerle prim
üretim art›fl› beklenen düzeyde gerçekleflememifltir. Yafll› gemilerle
tafl›nan yüklere iliflkin reasürans s›k›nt›s› ise süregelmektedir.
In 2006 there was a relative improvement in cargo insurances by the
influence of the increase in export and especially import. However
due to the reasons such as decreasing movement in the foreign
exchange rates, dominance of CIF sales agreements in import and
FOB sales agreements in export, and price competition the increase
in premium output was not as much as estimated. Reinsurance
difficulty relating to the cargo transported by old vessels has been
continuing for a long time.
Deniz ticaret filomuzun yafl ortalamas›n›n yüksek olmas› ve reasürans
anlaflmalar›ndaki k›s›tlamalar nedeniyle yafll› tekneler yurtd›fl›nda
ikinci s›n›f tekne sigorta piyasalar›nda sigorta ettirilmeye devam
edilmifl, bu durum da sektörün prim gelirlerini olumsuz yönde
etkilemifltir. Ayn› flekilde, yabanc› finans kurulufllar›n›n Türkiye’de
düzenlenen tekne sigorta poliçelerini kabul etmemeleri nedeniyle,
yabanc› banka ipote¤i bulunan gemiler ülkemizde teminat alt›na
al›namam›flt›r. Buna karfl›l›k, tekne sigortas› fiyat ve muafiyetlerinde
nispî bir iyileflme gözlemlenmifltir. Öte yandan, Tekne inflaat
sigortalar›ndaki canlanma, yeni tersanelerin aç›lmas› ve mevcut
tersanelerin kapasitelerini artt›rmalar› ile 2006 y›l› içinde de devam
etmifltir.
Due to high age average of our commercial marine and the restrictions
relating to reinsurance agreements old vessels were kept insured in
second class hull insurance markets abroad which affected the
premium incomes of the industry adversely. Likewise as the foreign
financial enterprises did not accept the hull insurance policies issued
in Turkey the vessels with foreign bank mortgage could not be
secured in the country. However hull insurance prices and exemptions
relatively improved. On the other hand the revival in the hull
construction insurances also continued in 2006 thanks to the opening
of new shipyards and increase in the capacity of current shipyards.
1953 y›l›ndan bu yana yürürlükte olan ve uzun süreden beri piyasan›n
gereksinimini karfl›layamayan Emtia Nakliyat Sigortas› Genel
fiartlar›’n›n yenilenmesi, 2006 y›l› içinde de gerçeklefltirilememifltir.
Bu yüzden, ayn› format› izlemesi gereken K›ymet Nakliyat Sigortas›
Genel fiartlar› da yenilenememektedir.
The General Conditions of Cargo Insurance in effect since 1953 but
failing to meet the market requirements for a long time could not be
replaced in 2006 either. For this reason the General Conditions of
Specie Insurance required to follow the same format cannot be
replaced either.
Otuzbir flirketin faaliyet gösterdi¤i nakliyat branfl›nda 2006 y›l›nda
prim gelirleri 346.257.000 YTL’ye yükselerek bir önceki y›la göre
cari fiyatlarla % 19,14, ABD Dolar› baz›nda % 11,62 oran›nda art›fl
göstermifltir.
In the Marine Branch where thirty one companies are operating, in
year 2006 the premium income was raised to 346.257.000 TRY,
increasing by 19,14 % in current prices and by 11,62 % based on
USA Dollars with respect to the previous year.
Nakliyat branfl› 2006 y›l› prim gelirlerinin toplam prim gelirleri
içindeki pay› 2005 y›l›na oranla bir miktar gerileyerek % 3,58
olmufltur.
Regarding the Marine Branch, the share of total premium income
within premium income for year 2006 retreated with respect to the
year 2005 and fell down to 3.58 %.
2006 y›l›nda nakliyat branfl›nda hasar oran› % 47,80 olarak
gerçekleflerek, 2005 y›l›n›n hasar oran›na göre artm›flt›r.
In year 2006, the loss ratio in the Marine Branch has been realized
as 47.80 %, increase with respect to the loss ratio of 2005.
YTL
USD
NAKL‹YAT S‹GORTALARI
MARINE INSURANCE
2006
346.257.378
2005
290.630.512
268.596.000
2004
2003
2002
201.380.000
163.267.000
2006
241.951.910
2005
216.759.033
2004
2003
2002
200.999.982
144.537.081
99.568.530
3.3. KAZA S‹GORTALARI
3.3. ACCIDENT INSURANCE
2006 y›l› Kaza Branfl› sonuçlar›n› önemli ölçüde etkileyen otomotiv
sektörü aç›s›ndan kötü bir dönem olarak gerçekleflmifl ve 2005 y›l›nda
717.000 olan araç sat›fl adetleri, 2006 y›l›n› 617.000 olarak yaklafl›k
% 16 azalma ile tamamlam›flt›r.
2006 was a bad year for the automotive industry influencing the
results of the Accident Branch considerably; the number of vehicles
sold which was 717.000 in 2005 was 617.000 in 2006 by 16%
decrease.
Nisan, May›s aylar›nda yaflanan ekonomik dalgalanma ve artan faiz
oranlar› bu durumun arkas›ndaki önemli faktörlerden biri olarak
görülürken, otomotiv sektörünün daralman›n etkisini ortadan
kald›rabilmek için yedek parça maliyetlerine yapt›¤› zamlar, araç
sigortas› hasarlar›nda ortalama dosya maliyetlerinin de tekrar artmas›na
neden olmufltur.
While the economic fluctuations emerged in April, May and the
increasing interest rates are considered among the crucial reasons
for such a situation, the price increases in the spare part cost in the
automotive industry that aim at the elimination of the effect of the
constriction have caused another increase in the average file costs
in the vehicle insurance damages.
Araç sat›fllar›nda yükselen faiz ortam›n›n tetikledi¤i daralma, sigorta
bedellerinin art›fl›n› durdurdu¤u, dolay›s›yla direkt prim giriflinde
düflüfl yaratt›¤› gibi, yedek parça maliyetlerinin artmas› ticari sonucunu
getirdi¤i için, sektörümüzün karl›l›¤›n› tehdit eden en önemli ekonomik
olay olarak göze çarpmaktad›r.
The constriction triggered by an environment where the interest
increases in vehicles sales is the most important economic factor
observed which threatens the industry profitability because it interrupts
the increase in insurance costs, thus causing a decrease in the direct
premium inflow as well as commercially resulting in an increase in
the spare part costs.
2005 y›l›nda Kaza branfl›nda 150 milyon ABD Dolar› zarar eden
sigorta sektörümüz yine bu y›l›n sonlar›na do¤ru kasko sigortalar›nda
bafllatt›¤› “do¤rudan maliyetlere göre fiyatland›rma” politikas›n›,
2006 y›l› içinde de h›zland›rarak devam ettirmifltir. Kasko fiyatlar›n›n
artmas›, hasar an›ndaki en önemli yükü oluflturan yedek parça maliyeti
art›fllar›n›n sigortal›lara yans›mas› anlam›n› tafl›maktad›r.
Fiyatlardaki bu art›fl trendi ve ekonomiden s›cak para ç›k›fllar›na
ba¤l› oluflabilecek yeni dalgalanmalar, 2001 Krizinden bu yana kasko
sigortalar›nda sürekli zarar eden ve bu trendi çevirmek için ilk etapta
kasko fiyatlar›n› art›rmaktan baflka flans› olmayan Türk Sigorta
sektörünün 2007 y›l›nda sigortal› say›s›nda azalma yaflayabilece¤inin
sinyallerini vermektedir.
Bununla birlikte 2006 y›l› Sigorta sektörünün hasar maliyetlerini
kontrol alt›nda tutmaya güç ve kaynak harcad›¤› bir dönem olmufltur.
Bu çerçevede TRAMER bünyesinde toplanmaya bafllanan kasko
poliçe ve hasar kay›tlar› ise gelecekte yap›labilecek analiz ve takip
çal›flmalar›na temel teflkil edecek bir ortak bir veritaban›n›n oluflmas›
için at›lan önemli bir ad›m niteli¤i tafl›maktad›r.
2006 y›l›, her ne kadar hasar maliyetlerini kontrol alt›nda tutma ve
tarife fiyatlar›n›n art›r›lmas› çabalar›n›n sonucu olarak Kaza
sigortalar›nda oluflan zarar›n azald›¤› bir y›l olsa da kasko kaynakl›
Kaza Branfl› zarar›n›n halen devam etti¤i bir y›l olarak tamamlanm›flt›r.
Öte yandan tarife fiyatlar› y›ll›k olarak Hazine Müsteflarl›¤›nca
belirlenen ve bu yönüyle de ekonomik dalgalanmalar›n
savuflturulmas›na f›rsat vermeyen Karayollar› Zorunlu Sorumluluk
Sigortalar›nda 2004 y›l› sonunda devreye giren yeni rezerv
uygulamalar› (IBNR, IBNER), 2004 y›l›ndan bu yana artan limitlerin
yan› s›ra yetersiz primlendirme ile birleflen yüksek arac›l›k
komisyonlar› (2005), yapt›¤› kar ile daha önceden Kaza Branfl›nda
oluflan zarar›n etkilerinin ortadan kalkmas›na olanak sa¤layan bu
branfl›n da 2006 y›l›nda zarara girmesine neden olmufltur
In 2006, the insurance industry that suffered USD 150 million dollar
loss in Accident branch in 2005, accelerated the policy of “pricing
depending upon direct costs” initiated in the comprehensive insurances
towards the end of that year. Increase in motor vehicle physical
damage insurance prices means the reflection of the increase in the
spare part cost constituting the most important burden at the time of
damage to the insured.
This increasing trend in prices and new fluctuations that may arise
in connection with hot money outflow from the economy indicates
that Turkish Insurance Industry that has been continuously suffering
loss in the comprehensive insurance since 2001 Crisis and having
no option other than increasing the motor vehicle physical damage
insurance prices in the first place in order to revert this trend may
be faced with a decrease in the number of insured in 2007.
However in 2006 the Insurance Industry exerted efforts and utilized
resources to have the damage costs under control. Within this
framework automobile insurance policy and damage records collected
within the structure of TRAMER (Motor TPL Insurance Information
Center) is an important step toward forming a common database that
any future analysis and follow-up effort shall be based upon.
Although the decrease in Accident insurances was reduced in 2006
as a result of the efforts to have the damage costs under control and
increase the tariff rates, the Accident Branch loss emanating from
motor vehicle physical damage insurance still continued in 2006.
On the other hand in 2006 the new reserve practices (IBNR, IBNER)
enabled at the end of 2004 for the Motor Vehicles Compulsory TPL
Insurances the tariff rate of which are defined by the Undersecretariat
of Treasury per annum and not allowing getting rid of the economic
fluctuations for this reason, high intermediation commissions (2005)
combined with insufficient premium rates as well as the limits that
have been increasing since 2004 also caused loss in that branch
which allowed the elimination of the effects of the loss emerged in
the Accident Branch previously with the profit obtained.
27
3.3. KAZA S‹GORTALARI
3.3. ACCIDENT INSURANCE
Her ne kadar geliflen teknolojik altyap› ve artan cirolar genel gider
oranlar›n›n düflmesine neden olsa da artan hasar/prim oranlar› ve
arac›l›k komisyonlar› birleflik oran›n %100’ün üzerinde oluflmas›na
yani bir baflka deyiflle operasyonel olarak zarar edilmesine neden
olmufltur.
Even though the developing technological infrastructure and the
increasing turnovers made general overhead rates decrease, the
increasing loss/premium rates and intermediation commissions made
the combined rate reach a level above 100% namely caused operational
loss.
2007 Y›l›, Trafik tarifesinin serbest hale getirilmesinin beklendi¤i
bir y›l niteli¤i tafl›makta olup bu çerçevede Türkiye Sigorta ve
Reasürans fiirketleri Birli¤inde de Kaza ‹nceleme Araflt›rma
Komitesince bir rehber tarife için, altyap› çal›flmas› yürütülmesine
karar verilmifltir.
In 2007 it is estimated that the Traffic tariff shall be made free; within
this framework Association of the Insurance and Reinsurance
Companies of Turkey decided that an infrastructure study for a
guiding tariff would be carried out by the Accident Study and
Research Committee.
Otuzbir flirketin faaliyet gösterdi¤i kaza branfl›nda 2006 y›l›nda prim
gelirleri 3.098.688.000 YTL’ye yükselerek bir önceki y›la göre cari
fiyatlarla % 27,18, ABD Dolar› baz›nda % 19,16 oran›nda art›fl
göstermifltir.
In the Accident Branch, where thirty one companies are operating,
the premium income in 2006 was raised to 3.098.688.000 TRY,
showing an increase rate of 27,18 in current prices with respect to
the previous year and 19,16 % as based on USD.
Kaza branfl›nda prim gelirlerinin toplam prim gelirleri içindeki pay›
2006 y›l›nda bir önceki y›la göre % 31,17’den % 32,05’e yükselmifltir.
Regarding the Accident Branch, the share of total premium income
within the total premium income for year 2006, was increased with
respect to the previous year from 31,17 % to 32.05 %.
2006 y›l›nda kaza branfl›nda hasar oran› % 84,61 olarak gerçekleflerek,
2005 y›l›n›n hasar oran›na göre düflme göstermifltir.
YTL
USD
KAZA S‹GORTALARI
ACCIDENT IINSURANCE
4.547.872.762
2006
2005
3.717.878.412
3.051.409.000
2004
2003
2002
In year 2006, the loss ratio in the Accident Branch has been realized
as 84,61 %, showing a decrease with respect to the loss ratio of 2005.
2.114.467.000
1.489.223.000
2006
3.177.886.075
2005
2.772.880.677
2.283.476.118
2004
2003
2002
1.517.620.270
908.204.020
3.4. MÜHEND‹SL‹K S‹GORTALARI
3.4. ENGINEERING INSURANCE
Mühendislik Sigortalar› 2006 y›l›nda Elemanter Branfllar›n genel
prim üretim ortalamas›na paralel bir büyüme kaydetmifltir. Söz
konusu prim art›fl› gerçekleflen enflasyon oran› üzerinde reel bir
büyüme kaydedildi¤i anlam›n› tafl›maktad›r.
Engineering Insurances have recorded a growth parallel with the
general Non-Life premium production average in the year 2006. The
said premium growth, is indeed a real growth above the inflation
rate.
Bu büyümenin sebepleri aras›nda Toplu Konut ‹daresi taraf›ndan
ihale edilen konut projelerine 2006 senesinde de devam edilmesi
gösterilebilir.
It may be noted that, one of the reasons for such a growth is, the on
going tenders for Housing Complexes being done by the Housing
Development Administration of Turkey in 2006.
Sektörde özellikle Makine K›r›lmas› Sigortalar›n›n menfii sonuçlar›,
reasürörlerin bu konudaki bask›lar›n› artt›rmas›na ve dolay›s› ile
flirketlerin net karl›l›klar›n›n geçti¤imiz y›llara oranla Mühendislik
Sigortalar›nda da düflmesine sebep olmufltur.
The negative results of Machinery Breakdown insurances in the
sector, resulting in reinsurers to increase their pressures, have
decreased the net profitability of the insurance companies in
Engineering Business.
Mühendislik Sigortalarndaki düflük prim hacmi, piyasada a¤›rlaflan
fiyat bask›s›n› ve arac›lar›n flartlarda oluflturdu¤u genifl sigorta
içeriklerini henüz yeterince karfl›layacak düzeyde de¤ildir.
The low volume of premium in Engineering Insurances is still not
at a level to compensate the rate pressure in the market and
comprehensive insurance contents required by the intermediaries.
Otuzbir flirketin faaliyet gösterdi¤i Mühendislik branfl›nda 2006
y›l›nda prim gelirleri 430.684.000 YTL’ye yükselerek bir önceki
y›la göre cari fiyatlarla % 33.71, ABD Dolar› baz›nda % 25.27
oran›nda art›fl göstermifltir.
In the Engineering Branch where thirty one companies are operating,
the premium income in 2006 was raised to 430.684.000 TRY, showing
an increase rate of 33,71% in current prices with respect to the
previous year and 25,27 % as based on USA Dollars.
Mühendislik branfl› prim gelirlerinin toplam prim gelirleri içindeki
pay›, bir önceki y›lla k›yasland›¤›nda, 2006 y›l›nda % 4,12'den %
4,45'e yükselmifltir.
Regarding the Engineering Branch, the share of total premium income
within the premium income for year 2005 was raised with respect
to the previous year from 4.06 % to 4.12 %.
2006 y›l›nda Mühendislik branfl›nda hasar oran› % 52,65 olarak
gerçekleflerek, 2005 y›l›n›n hasar oran›na göre düflme göstermifltir.
In year 2006, the loss ratio in the Engineering Branch has been
realized as 52,65 %, showing a decrease with respect to the loss ratio
of 2005.
YTL
USD
MÜHEND‹SL‹K S‹GORTALARI
ENGINEERING INSURANCE
430.683.990
2006
2005
322.110.090
275.452.000
2004
2003
2002
221.497.000
195.868.000
2006
300.946.118
2005
240.237.239
206.130.685
2004
2003
2002
158.975.108
119.450.280
29
3.5. TARIM S‹GORTALARI
3.5. AGRICULTURE INSURANCE
5363 say›l› Tar›m Sigortalar› Kanunu çerçevesinde Havuz Kurulu
oluflturulmufl ve 01.06.2006 tarihi itibari ile Devlet Destekli Tar›m
Sigortalar› uygulamaya bafllam›flt›r. Bu çerçevede, 16 sigorta flirketi
bir araya gelerek Havuzu ‹flletici fiirketi (Tarsim A.fi.) kurmufl ve
Tar›m Sigortalar›’nda devlet deste¤i için 2006 y›l› bütçesine 200
Milyon YTL konulmufltur.
Within the framework of the Law on Agricultural Insurance number
5363 a Pool Committee was constituted, and Grant Aided Agricultural
Insurances started to be implemented as of 01.06.2006. Within this
framework 16 insurance companies joined together, and founded a
Pool Operating Company (Tarsim A.fi.), and TRY 200 million was
set aside for 2006 budget for the government support for Agricultural
Insurance.
Devlet Destekli Tar›m Sigortalar›’n›n gündeme gelmesi ile tar›m
branfl›nda faaliyet göstermeye bafllayan sigorta flirketleri, tar›m
departman› teflkilatlar›n› oluflturmaya bafllam›fl ve bu konuda gerekli
olan altyap› çal›flmalar›n› (teknik personel, bilgi ifllem, e¤itim vb.)
h›zland›rm›fllard›r.
01.06.2006 tarihinden itibaren üreticilerin sigortaya olan ilgisinin
artt›¤› ve özellikle k›rsal kesimde faaliyet gösteren acenteler için ek
gelir kayna¤› olmas› nedeniyle acente taleplerinin yo¤unlaflt›¤›, bu
çerçevede flirketlerin de tar›m sigortalar› acente e¤itimi ve pazarlama
faaliyetlerine a¤›rl›k verdikleri gözlenmifltir.
Çiftçi Kay›t Sistemi’ne kay›tl› olan ekili araziler, Türkiye’deki toplam
ekili arazilerin % 62’sini oluflturdu¤undan, Tar›m Sigortalar› hedef
kitlesi oldukça genifltir. Devlet Destekli Tar›m Sigortalar›’ndan
yararlanman›n ön koflulu Çiftçi Kay›t Sistemi’ne kay›tl› olma
zorunlulu¤udur. Bu sebeple sistemde kay›tl› olmayan üreticilerin de
kay›t yapt›rmas› sa¤lanacakt›r.
2006 y›l›nda, Tarsim A.fi. taraf›ndan Türkiye’de tüm meyvelere
dolu, yang›n, f›rt›na, hortum, heyelan teminat›na ilave olarak ekonomik
kay›plar aç›s›ndan çok ciddi bir risk olan don riskinin de % 50’sinin
devlet deste¤i ile karfl›lanmas› yönünde altyap› çal›flmalar›
yürütülmüfltür.
Devlet Destekli Tar›m Sigortalar› sayesinde önümüzdeki 10-15 y›l
içerisinde Türkiye’de Tar›m Sigortalar›’n›n, üreticilerin tüm do¤al
risklerini karfl›layacak flekilde bir yap› kazanmas› hedeflenmektedir.
Onalt› flirketin faaliyet gösterdi¤i tar›m branfl›nda 2006 y›l›nda prim
gelirleri 54.365.000 YTL’ye yükselerek bir önceki y›la göre cari
göstermifltir.
Tar›m branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›
2005y›l›nda % 0,62'den 2006 y›l›nda % 0,56’ya düflmüfltür.
2006 y›l›nda tar›m branfl›nda hasar oran› % 50.00 olarak gerçekleflerek,
2005 y›l›n›n hasar oran›na göre düflüfl göstermifltir.
Insurance companies that started to be in good standing in the
Agriculture branch when the Grant Aided Agricultural Insurances
were put on the agenda started to found agricultural department
organizations and accelerated the infrastructure activities required
for it (technical, personnel, data-processing, training etc).
It is observed that the manufacturers’ interest in insurance has
increased since 01.06.2006, and requests for agents have increased
as it is an additional source of income especially for the agents in
good standing in rural areas, and companies have focused on
agricultural insurance agent training and marketing activities within
this framework.
As the cultivated lands registered with Farmer Register System
constitute 62% of total cultivated lands in Turkey, the target mass
of the Agricultural Insurance is considerably vast. Prerequisite for
benefiting from the Grant Aided Agricultural Insurance is the
registration with the Farmer Register System. For this reason it shall
be ensured the manufacturers not registered with the system are also
registered.
In 2006 infrastructure studies were carried out by Tarsim Afi for
covering 50% of the risk of frost, a very serious risk in terms of
economic losses, with the government support in addition to hail,
fire, storm, tornado, landslide security for all fruits in Turkey.
It is aimed the Agricultural Insurance in Turkey gains a structure
which shall meet all natural risks of the manufacturers within next
10-15 years thanks to the Grant Aided Agricultural Insurance.
In the Agriculture branch where sixteen companies are operating,
an increase rate of 12.02% in current prices with respect to the
previous year and 4.95 % as based on USD.
Regarding the Agriculture branch, the share of total premium income
within premium income for year 2006 was decreased with respect
to the previous year from 0.62 % to 0.56 %.
In year 2006, the loss ratio in Agriculture branch has been realized
as 50.00 %, showing decrease with respect to the loss ratio of 2005.
YTL
USD
AGRICULTURE INSURANCE
TARIM S‹GORTALARI
54.365.086
2006
48.530.480
2005
29.417.000
2004
2003
2002
20.586.000
15.424.000
37.988.321
2006
36.195.167
2005
22.013.804
2004
2003
2002
14.775.153
9.406.341
3.6. HUKUKSAL KORUMA S‹GORTALARI
3.6. LEGAL PROTECTION INSURANCE
Onbefl flirketin faaliyet gösterdi¤i hukuksal koruma branfl›nda 2006
y›l›nda prim gelirleri 27.152.000 YTL’ye yükselerek bir önceki y›la
göre cari fiyatlarla % 24.96, ABD Dolar› baz›nda % 17.08 oran›nda
art›fl göstermifltir.
In the Legal Protection branch where fifteen companies are operating,
an increase rate of 24.96% in current prices with respect to the
previous year and 17.08 % as based on USD.
Hukuksal Koruma branfl› prim gelirlerinin toplam prim gelirleri
içindeki pay› 2005 y›l›nda oldu¤u gibi %0,28 olarak ayn› seviyede
kalm›flt›r.
Regarding the Legal Protection branch, the share of total premium
income within premium income for the year 2005 remained the same
with the previous year at 0.28 %.
2006 y›l›nda Hukuksal Koruma branfl›nda hasar oran› % 4.86 olarak
gerçekleflerek, 2005 y›l›n›n hasar oran›na göre artm›flt›r.
In year 2006, the loss ratio in the Legal Protection branch has been
realized as 4.86 %, showing an increase with respect to the loss ratio
of 2005.
YTL
USD
LEGAL PROTECTION INSURANCE
HUKUKSAL KORUMA S‹GORTALARI
2006
27.152.292
21.728.105
2005
18.934.000
2004
2003
2002
5.492.000
2.878.000
2006
18.978.022
16.205.329
2005
14.168.740
2004
2003
2002
3.941.506
1.755.151
31
3.7. KRED‹ S‹GORTALARI
3.7. CREDIT INSURANCE
Yedi flirketin faaliyet gösterdi¤i kredi branfl›nda 2006 y›l›nda prim
gelirleri 8.321.000 YTL’ye yükselerek bir önceki y›la göre cari
göstermifltir.
In the Credit branch where seven companies are operating, the
premium income in 2006 was raised to 8.321.000 TRY, showing an
increase rate of 85.37 in current prices with respect to the previous
year and 73.67 % as based on USA Dollars.
Kredi branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›
2005 y›l›nda % 0,06 iken bu oran, 2006 y›l›nda % 0,09 olarak
gerçekleflmifltir.
Regarding the Credit branch, the share of total premium income
within premium income for year 2006 was increased with respect to
the previous year from 0,06 % to 0,09 %.
2006 y›l›nda kredi branfl›nda hasar oran› % 41,88 olarak gerçekleflerek,
2005 y›l›n›n hasar oran›na göre azalm›flt›r.
In year 2006, the loss ratio in Credit branch has been realized as
41,88 %, showing decrease with respect to the loss ratio of 2005.
YTL
USD
KRED‹ S‹GORTALARI
CREDIT INSURANCE
8.321.073
2006
2005
4.489.004
2004
2003
2002
2.681.000
1.147.000
444.000
2006
5.814.459
3.348.004
2005
2.006.477
2004
2003
2002
822.882
270.774
3.8. SA⁄LIK S‹GORTALARI
3.8. HEALTH INSURANCE
2006 y›l›nda ülkemizde enflasyon oran› TÜFE ye göre %9,65, ayn›
dönemde sa¤l›k enflasyonu bu oran›n alt›nda kalarak %7.93 olarak
gerçekleflmifltir.
Inflation rate in 2006 in the country was 9.65% according to Consumer
Price Index; healthcare inflation during the same period was below the
foregoing rate, 7.93%.
Seyahat Sigortas› Genel fiartlar› yürürlü¤e girmifltir.
General Conditions of Travel Insurance entered into effect.
Ad› TÜ‹K olarak de¤iflen Devlet ‹statistik Enstitüsü’nün düzenledi¤i
kongreye kat›lan Birlik yetkililerinin çal›flmas› ile yasal zorunluluk
haline dönüflen sa¤l›k giderleri ile ilgili bilgilerin kuruma aktar›lmas›
konusunda hangi düzeyde katk› sa¤lanabilece¤i tart›fl›lm›flt›r
The level of contribution to the transfer of the information relating to
healthcare expenses to the administration that has become a legal obligation
was discussed in the study of the authorities of the Association participating
in the congress organized by TÜ‹K, formerly the State Statistics Institute.
‹laç ‹flverenleri Endüstrisi Sendikas› temsilcilerinin kat›l›m› ile
GSS’nin yürürlü¤e girmesi ile sa¤l›k branfl›nda çal›flan sigorta
flirketleri için daha da önem kazanacak olan eflde¤er ilaç uygulamalar›
hakk›nda bir tan›t›m toplant›s› yap›lm›flt›r.
Kan Merkezlerinin çal›flmas›, gelifltirilmesi ve birlikte neler
yap›labilece¤i konusunda Yeditepe Üniversitesi Hastanesinden Say›n
Dr. Meral Sönmezo¤lu’nun kat›l›m›yla bir toplant› düzenlenmifltir.
fiirketler aras› sigortal› geçifllerinde bilgi aktar›m›nda yaflanan sorunlar
gözden geçirilmifl ve ortak bir çal›flma ile yeniden düzenlenmifltir.
Trafik Kazas› nedeniyle Acil servislerde yap›lan sa¤l›k harcamalar›n›n
yasa gere¤i BUT kadar talep edilmesi gerekti¤i, bu nedenle de özel
hastanelerin özel sigortal›lardan fark talep etmesinin do¤ru olmad›¤›
konusu tart›fl›lm›fl, bu konu ile ilgili flirketler bilgilendirilmifltir.
Birlik temsilcilerinin de içinde bulundu¤u bir ‹htisas Komitesi
taraf›ndan haz›rlanmakta olan Özel Sa¤l›k Sigortalar› yasa tasla¤›
Birlik komitesi ile paylafl›lm›flt›r. Hazine Müsteflarl›¤›na sunumu
yap›lan çal›flman›n 2007 fiubat ay›na kadar bir yönetmelik flekline
dönüfltürülmesine karar verilmifltir.
Otuzüç flirketin faaliyet gösterdi¤i sa¤l›k branfl›nda 2006 y›l›nda
prim gelirleri 984.034.000 YTL’ye yükselerek bir önceki y›la göre
cari fiyatlarla % 23,23, ABD Dolar› baz›nda % 15,45 oran›nda art›fl
göstermifltir.
Sa¤l›k branfl› prim gelirlerinin 2005 y›l›nda toplam prim gelirleri
içinde % 10,22 olan pay›, 2006 y›l›nda % 10,18'e gerilemifltir.
2006 y›l›nda sa¤l›k branfl›nda hasar oran› % 83,48 olarak gerçekleflerek,
2005 y›l›n›n hasar oran›na göre azal›fl göstermifltir.
With the participation of the representatives of the Syndicate of Drug
Employers Industry an introductory meeting was organized as regards the
equivalent drug practices which would become more importance for the
insurance companies in good standing in the healthcare branch with GHI
(General Health Insurance) entering into effect.
With the participation of Meral Sönmezo¤lu, PhD., from Yeditepe
University Hospital a meeting was organized as regards the operation and
improvement of the Blood Banks, and things that could be done collectively.
The problems that emerge during the transfer of information in case of
intercompany transition of the insured were reviewed and rearranged by
a joint action.
Requirement of demanding the healthcare expenses incurred at the
emergency rooms as much as BUT (Budgetary Practices Instruction)
under the law due to a Traffic Accident, whether the private hospitals’
demand for a differential from the private insured persons besides the
healthcare expenses was right was discussed; the companies were informed
about the subject.
Draft bill of the Private Health Insurance being prepared by the Specialty
Committee also including the representatives of the Association was
informed to the Association’s committee. It was decided that the study
presented to the Undersecretariat of Treasury would be transformed into
a regulation until February 2007.
In Health Branch, where thirty three companies are operating, in year
2006 the premium income was raised to 984.034.000 TRY, increasing
by 23,23% in current prices and by 15,45% based on USA Dollars with
respect to the previous year.
Regarding the Health Branch, the share of total premium income within
premium income for year 2006 retreated with respect to the year 2005
and fell down to 10,18%.
In year 2006, the loss ratio in Health Branch has been realized as 83,48%,
decrease with respect of the loss ratio of 2005.
YTL
USD
SA⁄LIK S‹GORTALARI
HEALTH INSURANCE
984.033.787
2006
798.538.595
2005
682.014.000
2004
517.595.000
2003
2002
410.422.000
2006
687.606.588
2005
2004
2003
2002
595.568.761
510.374.904
371.494.634
250.296.235
33
3.9. HAYAT S‹GORTALARI
3.9. LIFE INSURANCE
2006 y›l›n›n en önemli özelli¤i, y›l›n özellikle ilk yar›s›nda konut
kredilerine ba¤l› kredi hayat sigortalar›ndaki art›flt›r. Böylelikle risk
a¤›rl›kl› sigortalar, branfl›n itici gücü haline gelmifltir. Bu geliflme,
bu ürün grubunda yeni teminat yap›lar›n›n ortaya ç›kmas›na ve
müflterilerin farkl› ihtiyaçlar›na yönelik çözümler gelifltirilmesine
olanak sa¤lamaktad›r.
The most important characteristic of 2006 is the increase in credit
life insurance related to housing loans especially in the first half.
Thus risk insurances became the driving force behind the branch.
This development allows the new cover structures in this product
range and creating solutions for clients’ various requirements.
Uzun süreli sigortalar›n kümülatif etkisine ve konut kredilerine ba¤l›
kredi hayat sigortalar›ndaki art›fla ra¤men, % 9,65 oran›ndaki enflasyon
(TUFE) ile karfl›laflt›r›ld›¤›nda 2006 y›l›nda sektörün büyümesinin
% 11 mertebesinde kalmas› ve hayat branfl› prim gelirlerinin toplam
prim gelirleri içindeki pay›n›n 2005 y›l›nda % 15,89’dan % 14.33’e
düflmesi, sektörel sorunlar›n varl›¤›na iflaret etmektedir.
2005 y›l› sonu itibari ile hayat branfl›ndaki toplam hayat sigortal›lar›
say›s› 5.640.967 iken, bu say› 2006 y›l› sonunda 7.440.946 olarak
gerçekleflmifl ve yaklafl›k % 32 oran›nda art›fl göstermifltir.
Yirmialt› flirketin faaliyet gösterdi¤i hayat branfl›nda 2006 y›l›nda
prim gelirleri 1.385.801.000 YTL’ye yükselerek bir önceki y›la göre
cari fiyatlarla % 11,58 ABD Dolar› baz›nda % 4,54 oran›nda art›fl
göstermifltir.
Hayat branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›
2005 y›l›nda % 15,89’dan 2006 y›l›nda % 14,33’e düflmüfltür.
YTL
In the Life branch where twenty six companies are operating, the
premium income in 2006 was raised to 1.385.801.000 TRY, showing
an increase rate of 11,58% in current prices with respect to the
previous year and 4,54 % as based on USA Dollars.
Regarding the Life branch, the share of total premium income within
premium income was while 15,89 % for the year 2005, has dropped
down to 14,33 % in the year 2005.
LIFE INSURANCE
2006
1.385.801.362
1.242.011.375
2005
1.223.945.000
2004
2002
By the end of year 2005, while the total number of those with Life
Insurance in the Life Branch was 5.640.967, this figure has been
realized at the end of 2006 as 7.440.946 leading to an increase at the
rate of approximately 32 %.
USD
HAYAT S‹GORTALARI
2003
In spite of the cumulative effect of the long-term insurances and the
increase in the credit life insurances related to housing loans, 11%
growth in the industry in 2006 when compared with the inflation at
a rate of 9.65% (Consumer Price Index), and the decrease in the rate
of the premium incomes of the life branch in total premium income
from 15.9% to 14.73% in 2005 indicate that there are industryspecific problems.
1.032.552.000
686.350.000
2006
968.346.979
2005
926.321.133
915.920.807
2004
2003
2002
741.095.654
418.571.180
3.10. SORUMLULUK S‹GORTALARI
3.10. LIABILITY INSURANCE
Sorumluluk sigortalar›, 2006 y›l›nda da aynen 2005 y›l›nda oldu¤u
gibi, özellikle Avrupa Birli¤i uyum çal›flmalar› süreci dolay›s›yla
ilgi oda¤› olmaya devam etmifltir. Di¤er yandan, AB uyum çal›flmalar›
ile birlikte sigortal›lar›n artan sorumluluk bilinci ile mahkemelerin
ald›¤› tazminat kararlar›nda da bir yükselifl trendi olmas›na ra¤men,
rekabet ortam›n›n bu branflta yaratt›¤› fiyat bask›s› ile birlikte oluflan
olumsuz flartlar flirketleri teknik anlamda zorlam›flt›r.
Liability insurances continued to be a cynosure in 2006 as in 2005
especially due to the process of efforts for the harmonization with
the European Union. On the other hand in spite of the increasing
sense of responsibility of the insured and an increasing trend in the
court judgments on indemnity by EU harmonization efforts the
adverse conditions emerged with the price pressure that competitive
environment gave rise to in that branch put pressure on the companies.
AB uyum çal›flmalar› sürecinde, kanun koyucunun kimi zaman AB
uygulamalar›n› tam olarak yans›tmamas›na, kimi zaman da AB
genelinde farkl› alternatifler bulunmas›na ra¤men tek çözüm olarak
zorunlu sorumluluk sigortas›n› ihdas etmesi; ancak bunu yaparken
gerek altyap›sal düzenlemelerin tamamlanmam›fl olmas› gerekse
ülke genelinde ilgili alanlarda yeterli tecrübe ve yerleflik uygulaman›n
bulunmamas› da, kanun koyucu eliyle bafllat›lan bu poliçe tiplerinin
maalesef çok çeflitli sorunlarla birlikte sektör gündemine gelmesine
yol açm›flt›r. Özellikle, uluslararas› uygulamalarla örtüflmeyen poliçe
flartlar› uygulama itibariyle sigorta flirketlerinin önemli sorunlar
yaflamas›na sebep olmufltur.
That the lawmakers did not exactly reflect the EU practices sometimes
and imposed the obligatory liability insurance as the only solution
sometimes although various alternatives were available throughout
EU during EU harmonization efforts, that neither the arrangements
relating to the infrastructure were completed nor sufficient experience
and established practices were available in relevant fields throughout
the country gave rise to a wide range of problems relating to these
types of policies initiated by virtue of the lawmakers. Insurance
companies have been face to face important problems especially
since the policy conditions not compatible with international practices
were put into effect.
Türk Ticaret Kanunu Tasar›s› ve Sigortac›l›k Kanunu Tasar›s›’nda
yer alan hükümlerin de sorumluluk sigortalar›n›n kanun koyucu
aç›s›ndan titizlikle ele al›nd›¤›n› göstermektedir. Bu durumda sigorta
flirketlerinin uzun süreli yükümlülükler alt›na girdikleri bu branflta
daha uzun vadeli ve daha isabetli stratejiler belirlemesi, nihai riskin
ve zarar potansiyelinin giderek yükselen bir trende sahip oldu¤u bu
branflta, sektör genelinde rekabet bask›s›n›n bir sonucu olarak ortaya
ç›kan fiyatlardaki düflme e¤iliminin uzun vadeli risk yap›s› da göz
önüne al›narak en k›sa sürede kontrol alt›na al›nmas› gerekmektedir.
Provisions of Turkish Commercial Code and Draft Insurance Law
show that the liability insurances are handled with care in terms of
the lawmakers. In this case it is necessary that the insurance companies
define more appropriate strategies with longer terms in this branch
where they have undertaken long term obligations, and that the
decreasing trend in the prices emerged as a result of the competitive
pressure throughout the industry is taken under control as soon as
possible by also taking into account the long term risk structure in
this branch where final risk and loss potential has a gradually
increasing trend.
35
4. SEKTÖRÜN HASAR DE⁄ERLEND‹RMES‹
4. EVALUATION OF THE LOSSES IN THE SECTOR
Sektörün elemanter branfllar› itibariyle her y›l oldu¤u gibi 2006
y›l›nda da Oto Kaza Branfl› lokomotif branfl olmaya yine devam
etmifltir. Bir önceki y›lda benzer sorunun yafland›¤› 2. el piyasas›nda
devam eden durgunluk, prim ayarlamalar› ile afl›lmaya çal›fl›lm›flsa
da, yedek parça fiyatlar›nda y›l içinde dövizde yaflanan % 17’lik
art›fl›n etkisiyle meydana gelen yükselmeler, dövizin sonradan
gerilemesine ra¤men, sadece bir kaç marka d›fl›nda, yedek parça
fiyatlar›nda herhangi bir indirim sa¤lamam›flt›r. Bu da sigorta
flirketlerinin 2006’da da olumsuz neticeler vermeye devam etmesine
neden olmufltur. Sonuç itibariyle kasko ve trafik branfl›nda flirketler
2006 y›l›n› da teknik kar bir yana zararla kapatmak durumunda
kalm›fllard›r.
In terms of elementary branches in the industry Automobile Accident
Branch continued to act as the driving branch in 2006 just like each
year. Although efforts were exerted to overcome the stagnation that
continued in 2nd hand market where problems similar to those
occurred the previous year emerged by arrangements in premium,
the increases in the spare part prices took place due to 17% increase
in the foreign exchange within that year did not provide any discount
in spare part prices except a few brands although there was a recession
in the foreign exchange later. It affected the insurance companies
adversely also in 2006. Consequently the companies suffered loss
in motor vehicle physical damage insurance and traffic branches in
2006 and got no technical profit.
fiirketler yedek parça tutarlar›ndaki art›fl nedeniyle, yükselen
maliyetlerini kontrol alt›nda tutmak amac› ile yedek parça kontrol
sistemleri gelifltirmeye bafllam›fllard›r.
Companies started to develop spare part control systems in order to
take the costs increasing due to the increase in spare part sums under
control.
Oto Kaza branfl›nda teknik karl›l›¤› olumsuz yönde etkileyen, hasar
maliyetlerinde devam eden zarar›n en önemli nedenlerinden biri de
geçen y›llarda oldu¤u gibi özellikle lüks araçlar›n çal›nma oranlar›nda
devam eden art›fllard›r. Bu tür araçlarda çal›nman›n flekilleri genellikle
as›l anahtarlar›n›n araç üzerinde b›rak›lmas› ya da kolayl›kla elde
edilmesi fleklinde tezahür etmektedir. Sonuç itibariyle, bilhassa
‹stanbul baflta olmak üzere özellikle büyük flehirlerde artan
h›rs›zl›klarla ilgili olarak Hazine Müsteflarl›¤›nca pert araç hasarlar›
ve arac›n anahtar› ile çal›nmas› gibi, fiirketlerin yaflad›klar› önemli
sorunlar› gidermeye yönelik baz› düzenlemeler yap›lm›fl ve
de¤ifliklikler hayata geçirilmifltir.
One of the most important reasons for the loss continuing in damage
costs that affects technical profitability in Automobile Accident
branch is the ongoing increase in the number of luxurious cars stolen
as in previous years. This type of cars is usually stolen because the
original key is left in the key slot or found easily. Consequently with
regard to the theft cases increased in big cities especially Istanbul
the Undersecretariat of Treasury made some arrangements and put
some amendments into effect in order to eliminate the important
problems that the Companies were faced with such as pert car damage
and car being stolen with its key.
Oto Kaza branfl›nda 2006 y›l›nda yap›lan bir yenilik de Trafik
branfl›n›n ard›ndan Kasko ve Zorunlu Karayolu Tafl›mac›l›k
branfllar›nda Tramer uygulamalar›na geçifl olmufltur. Tramer sistemi
kapsam›nda yap›lan bu ilave ile flirketlerin hasarl› araçlar hakk›nda
bilgi alarak poliçe düzenlemeleri ve sa¤l›kl› kararlar verme olana¤›
yarat›lm›flt›r.
An improvement in Automobile Accident branch in 2006 was
transition to TRAMER (Traffic Insurance Information Center)
practices in motor vehicle physical damage insurance and compulsory
TPL insurance for road passenger transportation branches after Traffic
branch. Thanks to such addition made within the scope of TRAMER
system the companies can arrange policies and take reliable decisions
by getting information about damaged vehicles.
Yine 2006 y›l›nda Tramer bünyesinde Hasar Durum Belgesi projesi
hayata geçirilmifltir.
The “Certificate of Damaged Status” project was put into practice
within the structure of TRAMER also in 2006.
2006 y›l›nda kaza branfl›nda en önemli geliflme Grup (Blok) Muafiyeti
Tebli¤i’nin yay›nlanmas› olmufltur. Yeni Motorlu Araçlar Da¤›t›m
ve Servis Anlaflmalar›na ‹liflkin Grup Muafiyeti Tebli¤i 12.11.2005
tarihinde yürürlü¤e girmifltir.Uygulama için bir y›ll›k bir geçifl süresi
öngörülürken, bu geliflme Türk otomotiv sektöründeki çal›flmalar›
da h›zland›rm›flt›r. Grup muafiyeti tebli¤i motorlu kara tafl›tlar›n›n
da¤›t›m›n› ve sat›fl sonras› hizmetleri ile yedek parça ticaretine iliflkin
a n l a fl m a l a r › n t a b i o l d u ¤ u k u r a l l a r › b e l i r l e m e k t e d i r .
The most important development in the casualty branch in 2006 was
the publication of the “Notice on Group (Block) Exemption”. The
Group Exemption Notice relating to New Motor Vehicle Distribution
and Service Agreements was put into effect on 12.11.2005. While
one year transition period was stipulated for implementation, such
development also accelerated the efforts in Turkish automotive
industry. Group exemption notice defines the distribution and after
sale services of the Motor vehicles and rules that the agreements
relating to spare part trade are subject to.
Sözkonusu uygulama ile ;
• Otomotiv piyasas›nda rekabet nedeni ile yedek parça fiyatlar›n›n
düflmesi,
• Eflde¤er parça kullan›m›n›n mümkün hale gelmesi nedeni ile
fiyatlar›n gerilemesi,
• Sigorta Sektörü ve Otomotiv Sektörü aras›nda rollerin de¤iflmesinin
maliyetlere yans›mas›. Sigorta flirketlerine selektif davranma imkan›
do¤mas›,
The following elements are believed to contribute to the industry
thanks to the said implementation:
• Decrease in spare part prices due to the competition in the automotive
industry,
• Decrease in prices due to the possibility to use equivalent parts,
• Reflection of the exchange of roles between Insurance industry and
Automotive Industry to the costs, enabling Insurance Companies to
act selectively,
4. SEKTÖRÜN HASAR DE⁄ERLEND‹RMES‹
4. EVALUATION OF THE LOSSES IN THE SECTOR
• Otomotiv piyasas›nda oyuncular›n artmas›n›n hizmet kalitesinin
artmas›n› zorunlu hale getirmesi ve bunun sigorta sektörüne yans›mas›,
• Standartlara uymayan servislerin yetkilerini kaybedecek olmas›n›n
yap›lacak iflin kalitesine yans›mas›,
• Increase in quality of service becoming inevitable due to the
increase in the number of players in the automotive market, and
reflection of the same to the insurance industry,
• Reflection of the derogation of the powers of any service failing
to meet the standards to the quality of the job to be carried out.
unsurlar›n›n sektöre olumlu katk›larda bulunaca¤› düflünülmektedir.
Geçti¤imiz y›l itibariyle sektördeki bir de¤ifliklik de Zorunlu
Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› ve Trafik sigortalar›
aras›ndaki öncelik s›ras›na iliflkin genel flart de¤iflikli¤i olmufltur.
Kavram kargaflas›na yol açan bu belirsizlik yap›lan düzenleme ile
giderilmeye çal›fl›lm›flt›r.
2006 y›l›nda Yang›n branfl›nda geçti¤imiz y›l itibariyle sektör büyük
hasarlar yaflamaya devam etmifltir. Hyundai, ‹KEA, Mobisan Mobilya,
DHM yang›nlar›n›n yan›s›ra yurdun çeflitli, yörelerinde yaflanan sel
bask›nlar›nda önemli hasarlar meydana gelmifltir.
Bu tür büyük hasarlar›n yan›s›ra yang›n branfl›nda sektör, daha çok
paket poliçeler kapsam›nda dahili su ve özellikle de her y›l artarak
devam eden h›rs›zl›k hasarlar› yaflamaya devam etmifltir.
Another change in the industry was the change in general condition
relating to the order of priority Compulsory TPL Insurance for Road
Passenger Transportation and Traffic insurances as of last year. With
the arrangement made efforts were exerted to eliminate such ambiguity
giving rise to concept disorder.
As of last year the industry continued to suffer big losses in Fire
branch in 2006. Besides the fires occurred in Hyundai, ‹KEA, Mobisan
Mobilya, DHM significant damages occurred during floods in various
regions in the country.
Besides such big damages the industry continued to suffer losses
arising from internal water and especially theft cases increasing year
by year within the scope of mostly package policies in the fire branch.
Nakliyat branfl›nda 2006 y›l›nda sektör hasar/prim dengesini olumsuz
etkileyecek çok büyük hasarlar yaflamam›flt›r. Navlun fiyatlar›, 2006
y›l›nda inifl ç›k›fllar yaflam›fl ancak yüksek düzeyini korumufltur.
2005 y›l›nda oldu¤u gibi bu durum tekne hasarlar›na olumlu yönde
etki ederek hasarlar›n minumun düzeyde kalmas›na yard›mc› olmufltur.
No big damage that may adversely affect the industry loss/premium
balance occurred in the transport branch in 2006. There were rises
and falls in the freight rates in 2006 however it maintained the high
level. As in 2005 it affected the vessel damages positively and helped
to keep the damages at a minimum level.
Emteada ise 2005 y›l›na k›yasla gerek üretim gerekse hasarda ciddi
bir fark yaflanmam›flt›r.
As for the commodities there was no considerable difference in
production and damage when compared to 2005.
Branfllar baz›ndaki de¤erlendirmelerin yan›s›ra afla¤›daki genel
hususlara da dikkat çekilmesinde yarar görülmektedir.
Besides our opinions on the basis of branches the following general
factors should also be emphasized.
Oto Kaza branfl›nda geçti¤imiz y›llarda hayata geçirilen Tek Tip
Ekspertiz Raporu sektör genelinde baflar› ile uygulanmaktad›r. Ancak
Hazine Müsteflarl›¤› taraf›ndan onaylanan di¤er baz› branfllara
(Yang›n ve ekteminatlar›, H›rs›zl›k, Elektronik Cihaz ve Makine
K›r›lmas› ile Nakliyat Emtea ) iliflkin tek tip eksper rapor uygulamas›na
halen sektör genelinde geçilemememifltir. Eksperlerin her flirkete
farkl› formatta rapor yazma zorunlulu¤undan tutun, flirketlerin
standart bilgilere ulaflmalar› ve ileride kaç›n›lmaz flekilde uygulama
bulaca¤›na inand›¤›m›z ortak bilgi havuzuna da destek olacak
nitelikte tasarlanmaya çal›fl›lan bu raporlar›n 2007 y›l›nda eksperlerin
ve flirketlerin zorunlu olarak kullan›m›na bafllanmas› beklenmektedir.
Nitekim 2007 y›l›nda henüz haz›r olmayan branfl ve alt branfllardaki
rapor formatlar› üzerinde çal›flmalar devam edecektir.
Uniform Expertise Report put into practice in Automobile Accident
branch in previous years has been implemented throughout the
industry successfully. However the uniform expertise report practices
relating to some other branches (Fire and additional perils, Theft,
Electronic Equipment and Machinery Breakdown and Transport
Commodities) approved by the Undersecretariat of Treasury cannot
be put into practice throughout the industry yet. We hope that in
2007 the experts and companies shall necessarily start to use these
reports designed in such a manner to assist the companies’ accession
to standard information and the common information pool that shall
be implemented inevitably in future according to our opinion, and
the elimination of experts’ obligation to prepare reports with different
formats for each company. As a matter of fact the efforts on the
report formats of branches and sub-branches not ready yet shall
continue in 2007.
Sektörümüz, 2006 y›l›nda da maalesef sigorta flirketleri aleyhine
aç›lan haks›z davalarla karfl›laflm›flt›r. Bu davalar da ço¤unlukla,
davaya bakan mahkemelerin gerekli ihtisasa sahip olmamas› nedeniyle
sigortac›lar aleyhine sonuçlanm›flt›r. Bu durum sigortac›l›k ihtisas
mahkemelerinin kurulmas›n›n gerekli oldu¤unu bir kez daha ortaya
koymufltur.
Unfortunately the industry was faced with unfair actions filed against
insurance companies also in 2006. These actions mostly resulted
against the insurers because the courts hearing the case lacked the
necessary specialty which sets forth the requirement for the foundation
of underwriting business specialty courts once again.
37
5. TÜRK REASÜRANS P‹YASASI
5. THE TURKISH REINSURANCE MARKET
Mecburi reasürans devirlerinin 31.12.2001 itibariyle sona ermesinin
ard›ndan, 01.01.2002 tarihinden itibaren 5 y›ll›k bir süre için yenilenen
ve sigorta ve reasürans flirketlerinin reasürans anlaflmalar›n›n % 20
oran›nda Milli Reasürans T.A.fi.’ye teklifini gerektiren “Sigortac›l›kta
Yurt ‹çi Reasürans Havuzu Sistemi”, 31.12.2006 tarihi itibariyle
sona ermifltir.
After the termination of the compulsory reinsurance cessions as of
31.12.2001, “Decree Concerning the Insurance Industry Domestic
Reinsurance Pool System” renewed for a 5 year period from
01.01.2002 and requiring that insurance and reinsurance companies
offer the reinsurance agreements to Milli Reasürans T.A.fi. at a rate
of 20% terminated as of 31.12.2006.
Kararname Pool’u ad› alt›nda yürütülen bu sistemin sona ermesiyle,
flirketler 2007 y›l› yenilemelerinde Milli Reasürans’a, Kararname
Pool’u hisselerini serbest bazda teklif etmifller, Milli Reasürans’ta
daha önceden flirketlere bildirdi¤i gibi bölüflmeli tretelerin ancak %
50’lik k›sm›n›, bölüflmesiz tretelerin ise % 100’ünü kabul etmifltir.
Bölüflmeli tretelerin kalan k›s›mlar› yabanc› reasürörlerce
yenilenmifltir. Milli Reasürans T.A.fi. 2006 y›l›nda sektörün reasürans
ihtiyac›n›n % 30’unu karfl›lam›flt›r.
Upon termination of this system designated as “Decree Pool” the
companies offered Decree Pool shares to Milli Reasürans on free
basis during 2007 renovations whereas Milli Reasürans accepted
only 50% of proportional treaties and 100% of non-proportional
treaties as it had informed the companies previously. Remaining
portion of the proportional treaties was renewed by foreign reinsurers.
Milli Reasürans T.A.fi. met 30% of the industry requirement in 2006.
Branfllar itibariyle sonuçlar›n de¤erlendirilmesi gerekirse, 2006 y›l›
Yang›n, Kasko, Trafik ve Sa¤l›k sigortalar› aç›s›ndan parlak bir y›l
olmam›flt›r.
Yang›n branfl› aç›s›ndan bu y›l risk hasarlar›n›n en çok yafland›¤› bir
y›l olarak kayda geçmifltir. Piyasada 10 milyon dolar› aflan 4 risk
hasar› yaflanm›fl olup bu hasarlar gerek bu riskleri yazan flirketlerin
gerekse reasürörlerin bu branfltaki kar marj›n› önemli ölçüde
etkilemifltir. Yang›n branfl› 2006 y›l›n› karl› kapamas›na ra¤men
2005 y›l›na göre kötü bir performans göstermifltir.
Kasko, Trafik ve Sa¤l›k branfllar› da 2006 y›l›nda kötü performans
gösteren branfllar olmufllard›r. Kasko ve Sa¤l›kta y›llard›r görülen
kötü sonuçlar devam ederken, Trafik branfl› sonuçlar› 2005 y›l›na
k›yasla büyük bir erozyon yaflam›flt›r. Yurt d›fl› reasürans›n›n fazla
olmad›¤› bu branfllarda al›nan kötü sonuçlar yabanc› reasürörleri
etkilemezken, Milli Reasürans teminat verdi¤i bu branfllar›n kötü
sonuçlar›ndan etkilenmifl ve 2007 yenilemeleri s›ras›nda bu
branfllardaki pay›n› azaltm›flt›r.
2005 y›l›n›n aksine, 2006 y›l›nda dünyada büyük katastrofik hasarlar›n
meydana gelmemifl olmas›, Türk reasürans piyasas›na, 2007
yenilemelerinde katastrofik hasar fazlas› teminat fiyatlar›n›n geçen
y›lki seviyenin alt›na düflmesi fleklinde yans›m›flt›r. Sigorta flirketleri,
katastrofik hasar fazlas› anlaflmalar› bak›m›ndan önemli bir kapasite
sorunu yaflamazken ald›klar› toplam katastrofik teminat miktar› 3
milyar dolar civar›nda olmufltur.
Bu arada Türk sigorta piyasas›na yabanc›lar›n gösterdi¤i ilgi 2006
y›l›nda ve 2007 y›l›n›n ilk çeyre¤inde artarak devam etmifltir. Yabanc›
kurulufllar taraf›ndan sat›n al›nan ya da ortaklar› aras›na yabanc›lar›
katan flirketlerin reasürans yap›lar›nda bir de¤iflikli¤e gidip
gitmeyecekleri, gideceklerse bunun ne flekilde olaca¤› özellikle 2008
yenilemelerinde görülecektir. Bugüne kadar yabanc› sermayenin
girdi¤i flirketlerde, özellikle Yang›n ve Mühendislik iflleri trete
reasürans›n›n bölüflmeliden bölüflmesize do¤ru kayd›¤› aç›kça
gözlenmektedir. Bu tercih ilgili sigorta flirketlerinin sermaye ve
portföy yap›lar›yla oldukça iliflkilidir.
As an assessment of the results in terms of branches 2006 was not
a brilliant year for Fire, Motor Vehicles Physical Damage Insurance,
Traffic and Health Insurance.
Risk losses occurred most frequently in terms of fire branch. 4 risk
losses occurred in the market exceeding 10 million dollars; these
losses considerably affected the profit margin of both the companies
underwriting such risks and the reinsurers in that branch. Although
2006 was a profitable year for the fire branch its performance was
worse when compared to 2005.
The performance of Motor Vehicles Physical Damage Insurance,
Traffic and Health Insurance was also bad in 2006. While the bad
results that had been observed for years in Motor Vehicles Physical
Damage Insurance and Health continued, there was big erosion in
the results of Traffic branch when compared with 2005. While the
bad results obtained in these branches that the foreign reinsurance
was not much did not affect the foreign reinsurers, Milli Reasürans
was affected by such bad results pertaining to these branches that it
gave security and it decreased its share in these branches during 2007
renewals.
The decrease in security prices of catastrophic excess of loss below
previous year level during 2007 renewals was a reflection of the fact
that no big catastrophic damage occurred in the world in 2006 contrary
to 2005 to in Turkish reinsurance market. While the insurance
companies were not faced with any serious problem of capacity in
terms of catastrophic excess of loss agreements, total amount of
catastrophic cover they received amounted to approximately 3 billion
dollars.
Meanwhile the foreigners’ interest in Turkish insurance market
gradually increased in 2006 and first quarter of 2007. Whether there
shall be any change in the reinsurance structure of the companies
either purchased by foreign enterprises or having new foreign partners,
if so what kind of changes there shall be shall be noted in 2008
renewals. It is clearly observed that the Fire and Engineering works
treaty reinsurance lapses from proportional towards the nonproportional in the companies that any foreign capital takes part.
This choice is considerably related to the capital and portfolio
structures of the insurance companies.
5. TÜRK REASÜRANS P‹YASASI
5. THE TURKISH REINSURANCE MARKET
Reasürans fiirketlerinin Branfllara Göre
Karfl›laflt›rmal› Prim Gelirleri (000 YTL)
The Comperative Premium Production of
Reinsurance Companies (000 TRY)
2003
Branfllar
Branches
Yangın
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tarım
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal Accident
Kredi
Credit
K.M.A Mali Sorum.
Motor Vehicles TPL
Hayat
Life
Toplam
Total
Toplam Prim
Total Premium
2004
Art›fl Oran›
Growth Rate
%
Toplam Prim
Total Premium
2005
Art›fl Oran›
Growth Rate
%
Toplam Prim
Total Premium
2006
Art›fl Oran›
Growth Rate
%
Toplam Prim
Total Premium
Art›fl Oran›
Growth Rate
22.96
%
199.510.000
34.85
181.315.000
-9.12
183.265.030
1.08
225.345.163
29.869.000
25.65
27.913.000
-6.55
33.936.738
21.58
38.213.058
12.60
176.144.000
33.94
176.824.000
0.39
239.160.000
35.25
266.355.198
11.37
42.940.000
39.63
39.154.000
-8.82
50.453.800
28.86
64.376.200
27.59
1.262.000
23.36
1.168.000
-7.45
1.515.477
29.75
2.381.723
57.16
48.000
-29.41
168.000
250.00
201.851
20.15
272.084
34.79
50.677.000
14.18
66.078.000
30.39
102.501.100
55.12
120.465.076
17.53
4.673.000
27.54
4.841.000
3.60
6.427.288
32.77
9.139.462
42.20
-
-
-
0.00
-
42.469
-
49.952.000
-
71.339.000
42.82
98.020.401
37.40
110.754.244
12.99
4.334.000
53.20
7.174.000
65.53
8.573.952
19.51
16.084.073
87.59
559.409.000
44.94
575.974.000
2.96
724.055.636
25.71
853.428.752
17.87
-
39
6. S‹GORTA VE REASÜRANS
fi‹RKETLER‹N‹N YATIRIMLARI
6. THE INVESTMENTS OF THE INSURANCE
AND REINSURANCE COMPANIES
En önemli fonksiyonlar›ndan biri fon yaratmak ve yarat›lan bu fonlar›
çeflitli yat›r›m araçlar› kanal›yla ekonomiye kazand›rmak olan sigorta
ve reasürans flirketlerinin yat›r›mlar›; 2006 y›l›nda bir önceki y›la
göre % 19,2 oran›nda artarak 12.333.966.000 YTL’ye ulaflm›flt›r.
The investments of the insurance and reinsurance companies, whose
most important functions are to create funds and to provide the
economy with these funds through the channel of various investment
tools, reached 12.333.966.000 TRY in 2006 with an increase of 19,2
% over the previous year.
fiirketlerin toplam yat›r›m portföylerindeki en yüksek pay % 45.87
ile Hazine Bonosu ve Devlet Tahviline ait olup, bunu % 20.57 Vadeli
Banka Mevduat› ve % 19.90 ile ‹fltirakler izlemektedir.
Sigorta ve Reasürans fiirketlerinin Yat›r›mlar›
(000 YTL)
A. MENKUL DE⁄ERLER
Securities
Hazine Bonosu
Treasury Bonds
Devlet Tahvili
Government Bills
Yat›r›m Fonu
Investment Funds
Özel Sektör Bonolar›
Private Sector Bonds
Repo
Repurchase Agreement
Hisse senetleri
Shares
Di¤er
Others
Fin.Var.De¤er Düflüfl Karfl›l›¤›
Provision for Depreciation of
Financial Assets
B. GAYR‹MENKULLER
Real Estate
C. VADEL‹ BANKA MEVDUATI
Deposit Accounts
D. ‹fiT‹RAKLER
Participations
E. ‹KRAZLAR
Loans
GENEL TOPLAM
General Total
The highest proportion within the investment portfolios of the
companies was of Treasury Bonds and Government Bills with 45.87
%, followed by Deposit Accounts with 20.57 %, Participations with
19.90 %.
Investments of the Insurance and Reinsurance Companies
(000 TRY)
2002
2003
2004
2005
2006
2.949.470
4.382.299
5.689.179
6.197.955
6..683.403
1.239.978
974.719
889.862
444.209
290.592
1.488.393
3.060.158
4.370.454
4.688.305
5.368.010
56.453
94.338
103.644
166.186
106.421
2.245
2.537
57.014
44.884
16.524
26.647
57.525
212.929
237.595
148.122
226.437
267.694
627.281
634.457
-213
-1.093
381.791
491.053
484.518
445.558
505.434
508.745
439.622
468.406
1.470.870
2.538.199
342.931
458.074
617.692
2.168.859
2.454.058
26.048
64.388
73.122
66.733
152.873
4.208.985
5.835.436
7.332.917
10.349.975
12.333.966
7. DASK POL‹ÇE SAYILARI
7. TCIP POLICY FIGURES
12 Nisan 2007 tarihi itibariyle DASK poliçelerinin durumu afla¤›daki
gibidir:
The status of “Turkish Catastrophe Insurance Pool–TCIP” policies
by 12 April 2007 is as follows:
Sat›lan Poliçe Adedi:
Verilen Teminat:
Verilen Teminat:
Ortalama Teminat:
Tahakkuk Eden Prim:
Tahakkuk Eden Komisyon:
Net Prim:
Number of Policies Sold:
Cover Given:
Cover Given:
Average Assurance:
Premium Accrued:
Commission Accrued:
Net Premium:
2.564.581
113.224.938.370 YTL
79.117.419.027 ABD Dolar›
44.149 YTL
214.487.544 YTL
35.410.387 YTL
179.077.157 YTL
2.564.581
113.224.938.370 TRY
79.117.419.027 USA Dollars
44.149 TRY
214.487.544 TRY
35.410.387 TRY
179.077.157 TRY
Kaynak: DASK
Source: TCIP
41
TÜRK S‹GORTA
SEKTÖRÜNÜN
‹STAT‹ST‹K‹ TABLOLARI
STATISTICAL TABLES OF
THE TURKISH INSURANCE
SECTOR
43
TÜRK S‹GORTA SEKTÖRÜNÜN
STATISTICAL TABLES OF THE TURKISH
INSURANCE SECTOR
1. Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar› (31.12.2006) (YTL)
AKT‹F
I. CAR‹ VARLIKLAR
A. NAK‹T VE NAK‹T BENZER‹ VARLIKLAR
a.) Kasa
b.) Al›nan Çekler
c.) Bankalar
d.) Verilen Çekler & Ödeme Emirleri ( - )
e.) Di¤er Nakit & Benzeri Varl›klar
B. F‹NANSAL VARLIKLAR ‹LE R‹SK‹ S‹GORTALILARA A‹T F‹NANSAL YATIRIMLAR
a.) Sat›lmaya Haz›r Finansal Varl›klar
b.) Vadeye Kadar Elde Tutulacak Finansal Varl›klar
c.) Al›m Sat›m Amaçl› Finansal Varl›klar
d.) Riski Hayat Poliçesi Sahiplerine Ait Finansal Yat›r›mlar
e.) Finansal Varl›klar De¤er Düflüklü¤ü Karfl›l›¤› (-)
C. ESAS FAAL‹YETLERDEN ALACAKLAR
a.) Sigortac›l›k Faaliyetlerinden Alacaklar
b.) Sigortac›l›k Faaliyetlerinden Alacaklar Karfl›l›¤› (-)
c.) Reasürans Faaliyetlerinden Alacaklar
d.) Reasürans Faaliyetlerinden Alacaklar Karfl›l›¤› (-)
e.) Sigorta & Reasürans fiirketleri Nezdindeki Depolar
f.) Sigortal›lara Krediler (‹krazlar)
g.) Emeklilik Faaliyetlerinden Alacaklar
h.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar
›.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar Karfl›l›¤› (-)
D. ‹L‹fiK‹L‹ TARAFLARDAN ALACAKLAR
a.) Ortaklardan Alacaklar
b.) ‹fltiraklerden Alacaklar
c.) Ba¤l› Ortakl›klardan Alacaklar
d.) Personelden Alacaklar
e.) Di¤er ‹liflkili Taraflardan Alacaklar
f.) ‹liflkili Taraflardan fiüpheli Alacaklar
g.) ‹liflkili Taraflardan fiüpheli Alacaklar Karfl›l›¤› (-)
E. D‹⁄ER ALACAKLAR
a.) Verilen Depozito ve Teminatlar
b.) Di¤er Çeflitli Alacaklar
c.) fiüpheli Di¤er Alacaklar
d.) fiüpheli Di¤er Alacaklar Karfl›l›¤› (-)
F. GELECEK AYLARA A‹T G‹DERLER VE GEL‹R TAHAKKUKLARI
a.) Gelecek Aylara Ait Giderler
b.) Tahakkuk Etmifl Faiz Ve Kira Gelirleri
c.) Gelir Tahakkuklar›
d.) Gelecek Aylara Ait Di¤er Giderler Ve Gelir Tahakkuklar›
G. D‹⁄ER CAR‹ VARLIKLAR
a.) Gelecek Aylar ‹htiyac› Stoklar
b.) Peflin Ödenen Vergiler Ve Fonlar
c.) ‹fl Avanslar›
d.) Personele Verilen Avanslar
e.) Say›m Ve Tesellüm Noksanlar›
f.) Di¤er Çeflitli Cari Varl›klar
II . CAR‹ OLMAYAN VARLIKLAR
A. ESAS FAAL‹YETLERDEN ALACAKLAR
a.) Sigortac›l›k Faaliyetlerinden Alacaklar
b.) Sigortac›l›k Faaliyetlerinden Alacaklar Karfl›l›¤› (-)
c.) Sigorta ve Reasürans fiirketleri Nezdindeki Depolar
d.) Sigortal›lara Krediler (‹krazlar)
e.) Emeklilik Faaliyetlerinden Alacaklar
f.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar
g.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar Karfl›l›¤› (-)
B. ‹L‹fiK‹L‹ TARAFLARDAN ALACAKLAR
a.) ‹fltiraklerden Alacaklar
b.) Personelden Alacaklar
c.) Di¤er ‹liflkili Taraflardan Alacaklar
C. D‹⁄ER ALACAKLAR
a.) Verilen Depozito ve Teminatlar
b.) Di¤er Çeflitli Alacaklar
c.) fiüpheli Di¤er Alacaklar
d.) fiüpheli Di¤er Alacaklar Karfl›l›¤› (-)
D. F‹NANSAL VARLIKLAR
a.) Ba¤l› Menkul K›ymetler
b.) ‹fltirakler
c.) ‹fltirakler Sermaye Taahhütleri (-)
d.) Ba¤l› Ortakl›klar
e.) Ba¤l› Ortakl›klar Sermaye Taahhütleri (-)
f.) Di¤er Finansal Varl›klar
g.) Finansal Varl›klar De¤er Düflüklü¤ü Karfl›l›¤› (-)
E. MADD‹ VARLIKLAR
a.) Yat›r›m Amaçl› Gayr›menkuller
b.) Yat›r›m Amaçl› Gayr›menkuller De¤er Düflüklü¤ü Karfl›l›¤› (-)
c.) Kullan›m Amaçl› Gayr›menkuller
d.) Makine Ve Teçhizatlar
e.) Demirbafl Ve Tesisatlar
f.) Motorlu Tafl›tlar
g.) Di¤er Maddi Varl›klar (Özel Maliyet Bedelleri Dahil)
h.) Kiralama Yoluyla Edinilmifl Maddi Varl›klar
›.) Birikmifl Amortismanlar (-)
i.) Maddi Varl›klara ‹liflkin Avanslar (Yap›lmakta Olan Yat›r›mlar Dahil)
F. MADD‹ OLMAYAN VARLIKLAR
a.) Haklar
b.) fierefiye
c.) Faaliyet Öncesi Döneme Ait Giderler
d.) Di¤er Maddi Olmayan Varl›klar
e.) Birikmifl ‹tfalar (Amortismanlar) (-)
G. GELECEK YILLARA A‹T G‹DERLER VE GEL‹R TAHAKKUKLARI
a.) Gelecek Y›llara Ait Giderler
b.) Gelir Tahakkuklar›
c.) Gelecek Y›llara Ait Di¤er Giderler Ve Gelir Tahakkuklar›
H. D‹⁄ER CAR‹ OLMAYAN VARLIKLAR
a.) Gelecek Y›llar ‹htiyac› Stoklar
b.) Peflin Ödenen Vergiler Ve Fonlar
c.) Ertelenmifl Vergi Varl›klar›
d.) Di¤er Çeflitli Cari Olmayan Varl›klar
AKT‹F TOPLAMI
Elemanter fiirketler
Hayat ve Emeklilik
fiirketleri
Toplam
Genel Toplam
6,217,402,411
6,897,926,015
13,115,328,426
858,002,983
13,973,331,409
1,790,676,440
4,007,492
1,550,103
1,658,105,095
25,109,575
152,123,325
445,873,868
33,021
4,420
352,539,619
64,962
93,361,771
2,236,550,308
4,040,513
1,554,523
2,010,644,714
25,174,538
245,485,096
366,211,357
16,272
70,002
366,125,083
-
2,602,761,665
4,056,785
1,624,525
2,376,769,797
25,174,538
245,485,096
1,721,673,336
1,113,109,934
381,303,568
204,698,810
23,581,520
1,020,496
4,554,900,995
598,726,340
4,498,308
212,097,198
3,739,652,065
72,915
6,276,574,331
1,711,836,274
385,801,876
416,796,007
3,763,233,585
1,093,412
406,379,771
406,379,771
-
6,682,954,102
1,711,836,274
385,801,876
823,175,779
3,763,233,585
1,093,412
2,617,639,366
2,637,766,154
105,510,859
54,283,924
10,192
5,406,491
257,020,925
231,317,076
6,497,436
4,972
56,134
45,913
301,885
6,088,532
25,238,274
174,355
25,063,919
2,265,904
2,265,904
13,487,860
7,690,886
2,835,747
2,944,124
17,103
42,189,699
1,074,724
37,371,562
1,340,165
227,844
101
2,175,303
2,838,076,401
1,848,101,344
138,229,532
3,898,716
3,619,537
152,872,950
1,557,278,041
2,950,824
2,950,824
1,813,911
2,788
169,121
1,642,003
99,104
99,104
17,761,835
91,868
17,661,208
1,057,943
1,049,184
6,942,297
5,985,781
112,058
771,129
73,329
22,531,765
936,570
20,088,594
323,337
237,285
945,979
1,322,904,921
4,465,740,710
2,775,995,686
109,409,575
57,903,461
10,192
5,406,491
152,872,950
1,557,278,041
259,971,749
234,267,900
79,563,127
38,779,649
40,783,478
-
4,545,303,837
2,775,995,686
109,409,575
96,683,109
10,192
46,189,969
152,872,950
1,557,278,041
259,971,749
234,267,900
8,311,348
4,972
58,922
45,913
471,005
7,730,535
99,104
99,104
29,241
14,896
14,345
-
8,340,589
4,972
58,922
45,913
485,901
7,744,880
99,104
99,104
43,000,109
266,223
42,725,127
3,323,847
3,315,089
2,756
2,756
-
43,002,865
268,979
42,725,127
3,323,847
3,315,089
20,430,157
13,676,667
2,947,805
3,715,253
90,432
2,654,806
2,654,806
23,084,963
13,676,667
2,947,805
3,715,253
2,745,237
64,721,464
2,011,294
57,460,156
1,663,502
465,130
101
3,121,281
4,160,981,322
3,161,926
2,304,784
21,912
192,940
642,290
274,443,719
67,883,390
2,011,294
59,764,940
1,685,415
658,070
101
3,763,571
4,435,425,041
6,139,171
- 3,706,217
2,226
353,799
10,860
33,791,451
24,308,496
1,500
1,500
241,834
240,543
1,291
2,815
2,815
2,384,996,883
68,053,854
2,090,214,044
3,632,803
269,504,821
16,102,770
88,235
23,128,498
422,100,081
144,027,071
4,052,200
310,250,177
41,879,011
142,083,958
16,322,874
40,278,055
13,051,129
282,547,342
807,348
20,689,127
26,294,696
16,250,000
18,789
13,066,746
34,941,104
80,872
80,872
3,826,933
78,743
793,733
291,273
2,663,184
1,108,416,322
1,457,507
1,106,958,815
631,935
631,935
127,199
127,199
540,804
1,479,684
2,020,488
106,058,711
82,735,929
31,894,329
5,412,786
196,381
13,787,952
85,342,970
47,447,439
302,562
15,067,845
22,080,966
57,399,350
5,205,190
30,563,165
9,318,911
103,491,729
2,054,395
13,746,306
17,028,776
120,569
22,308,137
25,711,176
5,379,641
5,350,350
29,291
3,833,771
767
3,833,004
-
1,114,555,494
- 3,706,217
2,226
353,799
1,468,368
1,106,958,815
34,423,386
24,940,431
8,900,646
8,900,646
1,114,555,494
- 3,706,217
2,226
353,799
1,468,368
1,106,958,815
43,324,031
33,841,077
1,500
1,500
369,033
367,743
542,095
1,482,498
2,023,302
11,136
11,136
1,500
1,500
369,033
367,743
542,095
1,493,635
2,034,439
2,491,055,594
150,789,783
2,122,108,373
3,632,803
274,917,608
16,299,151
88,235
36,916,450
507,443,050
191,474,510
4,354,761
325,318,022
63,959,976
199,483,309
21,528,064
70,841,220
22,370,040
386,039,071
2,861,742
129,358,929
22,044,754
106,567,968
746,207
85,401,864
61,500,496
31,392,945
1,123,244
425,474
9,040,294
-
2,620,414,523
172,834,538
2,228,676,340
3,632,803
275,663,814
16,299,151
88,235
36,916,450
592,844,914
252,975,005
4,354,761
356,710,967
63,959,976
200,606,552
21,953,538
70,841,220
22,370,040
395,079,365
2,861,742
34,435,433
43,323,472
16,250,000
139,358
35,374,883
60,652,280
5,460,514
5,431,223
29,291
7,660,705
78,743
794,500
4,124,278
2,663,184
59,678,096
46,659
59,638,290
6,853
4,830
4,830
-
94,113,528
43,370,131
16,250,000
139,358
95,013,173
60,659,133
5,465,344
5,431,223
29,291
4,830
7,660,705
78,743
794,500
4,124,278
2,663,184
9,055,478,813
8,220,830,936
17,276,309,749
1,132,446,702
18,408,756,451
INSURANCE SECTOR
1. Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar› (31.12.2006) (YTL)
PAS‹F
Hayat ve Emeklilik
fiirketleri
Toplam
4,441,801,045
2,594,360
2,768,358
173,998
649,115,688
342,748,132
150,174,351
102,379,648
53,925,219
111,663
52,874,112
38,921,228
551,898
3,936,940,796
1,274,422
403,037
875,866
30,588
26,107
1,660,532,897
23,118,378
4,299,478
1,434,022
1,616,563,971
15,117,049
3,043,125
1,245,553
6
490,942,304
-
F. D‹⁄ER YÜKÜMLÜLÜKLER VE KARfiILIKLARI
a.) Ödenecek Di¤er Yükümlülükler
b.) Vadesi Geçmifl, Ertelenmifl veya Taksitlendirilmifl Vergi & Di¤er Yükümlülükler
G. D‹⁄ER R‹SKLERE ‹L‹fiK‹N KARfiILIKLAR
a.) K›dem Tazminat› Karfl›l›¤›
H. GELECEK YILLARA A‹T GEL‹RLER VE G‹DER TAHAKKUKLARI
a.) Gelecek Y›llara Ait Di¤er Gelirler & Gider Tahakkuklar›
I. D‹⁄ER UZUN VADEL‹ YÜKÜMLÜLÜKLER
a.) Ertelenmifl Vergi Yükümlülü¤ü
b.) Di¤er Çeflitli Uzun Vadeli Yükümlülükler
III. Ö Z S E R M A Y E
A. ÖDENM‹fi SERMAYE
a.) (Nominal) Sermaye
b.) Ödenmemifl Sermaye (-)
c.) Sermaye Düzeltmesi Olumlu Farklar›
d.) Sermaye Düzeltmesi Olumsuz Farklar› (-)
B. SERMAYE YEDEKLER‹
a.) Hisse Senedi ‹hraç Primleri
b.) Sermayeye Eklenecek Sat›fl Karlar›
c.) Di¤er Sermaye Yedekleri
C. KAR YEDEKLER‹
a.) Yasal Yedekler
b.) Statü Yedekleri
c.) Ola¤anüstü Yedekler
d.) Özel Fonlar (Yedekler)
e.) Finansal Varl›klar›n De¤erlemesi
f.) Di¤er Kar Yedekleri
D. GEÇM‹fi YILLAR KARLARI
a.) Geçmifl Y›llar Karlar›
E. GEÇM‹fi YILLAR ZARARLARI (-)
a.) Geçmifl Y›llar Zararlar› (-)
IV. DÖNEM NET KARI
a.) Dönem Net Kar›
b.) Dönem Net Zarar› (-)
80
872,686
12,528,220
78,863,861
2,503,363
76,360,498
3,531,004,769
2,180,940,811
5,306,305
1,296,911,898
548,583
47,297,172
98,292,940
62,920,388
8,939,279
1,651,300
52,062,583
28,038,855
758,245
20,902,399
6,803,084
8,491,980
5,607,334
7,376,776
1,527,218
4,045,313
1,804,246
776,139
200,347
575,792
507,826,919
1,007,032
1,094,488
87,456
5
5
158,583
155,684
2,899
442,661,211
7,434,744
8,241,662
426,984,806
995,374
985,599
9,776
62,219,241
62,219,241
785,473
174,388
611,085
4,105,850,849
2,384,446,139
1,856,897,963
221,631
538,398,843
10,629,037
12,661,360
83,039
1,227,028
11,351,292
1,811,019,193
199,961,800
452,112
499,940,924
596,958
1,103,527,323
6,540,076
68,722,840
68,722,840
323,765,628
323,765,628
152,766,945
330,906,151
178,139,206
451,381
1,346,186
44,200,763
1,190,137
43,010,625
2,136,869,248
146,248,375
3,817
1,690,790,571
128,795,146
582,052
167,401,225
3,048,062
45,545,568
13,948,645
6,603,519
9
29,160,263
7,840,709
3,673,840
11,174,796
3,690,730
7,484,066
10,722,739
1,139,945
9,062,246
520,549
23,577,238
59,869
322
23,517,047
3,346,661,601
376,926
393,185
16,259
1,106,958,815
1,106,958,815
4,996,076
4,996,076
80,018
80,018
2,194,629,767
2,069,280,093
101,637,825
23,711,849
38,081
38,081
30,622,359
30,622,359
8,959,560
8,959,560
937,228,539
755,440,221
660,370,700
140,790
95,210,311
550,109
286,252
263,857
228,153,001
67,724,921
11,067,310
116,692,920
35,547
32,632,303
276,329
276,329
124,923,008
124,923,008
77,731,886
151,291,633
73,559,747
8,378,741,841
3,868,782
403,037
3,644,225
204,586
26,107
2,309,648,585
365,866,511
154,473,828
103,813,670
1,616,563,971
69,042,268
111,663
55,917,237
40,166,781
551,904
80
1,324,067
13,874,406
123,064,624
3,693,501
119,371,123
5,667,874,017
2,327,189,186
3,817
1,696,096,876
1,425,707,044
582,052
167,949,808
50,345,234
143,838,508
76,869,033
15,542,798
1,651,309
81,222,847
35,879,564
4,432,085
32,077,194
10,493,814
8,491,980
13,091,400
18,099,516
2,667,162
13,107,559
2,324,795
24,353,377
260,216
322
24,092,839
3,854,488,519
1,383,958
1,487,673
103,715
1,106,958,815
1,106,958,815
4,996,081
4,996,081
238,601
235,702
2,899
2,637,290,978
2,076,714,836
109,879,486
450,696,655
1,033,455
985,599
47,856
92,841,600
92,841,600
9,745,032
174,388
9,570,644
5,043,079,389
3,139,886,360
2,517,268,663
362,421
633,609,154
10,629,037
13,211,469
83,039
1,513,280
11,615,149
2,039,172,194
267,686,722
11,519,421
616,633,845
632,505
1,136,159,626
6,540,076
68,999,170
68,999,170
448,688,636
448,688,636
230,498,831
482,197,785
251,698,953
48,413,135
48,413,135
-
8,869,684,145
3,868,782
403,037
3,644,225
204,586
26,107
2,335,243,170
365,866,511
178,917,313
104,964,770
1,616,563,971
69,042,268
111,663
56,055,590
40,172,197
551,904
80
1,324,067
14,007,343
123,064,624
3,693,501
119,371,123
6,123,654,559
2,566,477,234
3,817
1,697,021,847
1,641,274,568
582,052
167,949,808
50,345,234
153,267,332
77,831,146
15,599,243
1,651,309
97,885,357
44,131,808
4,432,085
32,077,194
10,493,814
8,491,980
13,091,400
18,099,516
2,667,162
13,107,559
2,324,795
24,353,377
260,216
322
24,092,839
3,959,326,064
1,383,958
1,487,673
103,715
1,106,958,815
1,106,958,815
4,996,081
4,996,081
238,601
235,702
2,899
2,737,911,254
2,076,714,836
109,879,486
551,316,931
1,033,455
985,599
47,856
97,039,356
97,039,356
19,512
19,512
9,745,032
174,388
9,570,644
5,579,746,242
3,482,886,360
2,860,268,663
362,421
633,609,154
10,629,037
53,631,336
83,039
41,933,147
11,615,149
2,144,006,045
278,185,432
24,019,421
616,633,845
632,505
1,177,529,497
47,005,346
68,999,170
68,999,170
448,688,636
448,688,636
278,911,966
530,610,920
251,698,953
PAS‹F TOPLAMI
9,055,478,813
8,220,830,936
17,276,309,749
1,132,446,702
18,408,756,451
I. K I S A V A D E L ‹ Y Ü K Ü M L Ü L Ü K L E R T O P L A M I
A. F‹NANSAL BORÇLAR
a.) Kredi Kurulufllar›na Borçlar
b.) Finansal Kiralama ‹fllemelerinden Borçlar
c.) Ertelenmifl Finansal Kiralama Borçlanma Maliyetleri (-)
d.) Di¤er Finansal Borçlar (Yükümlülükler)
B. ESAS FAAL‹YETLERDEN BORÇLAR
a.) Sigortac›l›k Faaliyetlerinden Borçlar
b.) Reasürans Faaliyetlerinden Borçlar
c.) Sigorta & Reasürans fiirketlerinden Al›nan Depolar
d.) Emeklilik Faaliyetlerinden Borçlar
e.) Di¤er Esas Faaliyetlerden Borçlar
f.) Di¤er Esas Faaliyetlerden Borçlar Borç Senetleri Reeskontu(-)
C. ‹L‹fiK‹L‹ TARAFLARA BORÇLAR
a.) Ortaklara Borçlar
b.) ‹fltiraklere Borçlar
c.) Ba¤l› Ortakl›klara Borçlar
d.) Personele Borçlar
e.) Di¤er ‹liflkili Taraflara Borçlar
D. D‹⁄ER BORÇLAR
a.) Al›nan Depozito & Teminatlar
b.) Di¤er Çeflitli Borçlar
E. S‹GORTACILIK TEKN‹K KARfiILIKLARI
a.) Kazan›lmam›fl Primler Karfl›l›¤› - Net
b.) Devam Eden Riskler Karfl›l›¤› - Net
c.) Hayat Matematik Karfl›l›¤› - Net
d.) Muallak Hasar & Tazminat Karfl›l›¤› - Net
e.) ‹kramiye & ‹ndirimler Karfl›l›¤› - Net
f.) Yat›r›m Riski Hayat Sigortas› Poliçe Sahiplerine Ait Poliçeler ‹çin Ayr›lan Karfl›l›k - Net
g.) Di¤er Teknik Karfl›l›klar - Net
F. ÖDENECEK VERG‹ VE BENZER‹ D‹⁄ER YÜKÜMLÜLÜKLER ‹LE KARfiILIKLARI
a.) Ödenecek Vergi & Fonlar
b.) Ödenecek Sosyal Güvenlik Kesintileri
c.) Ödenecek Di¤er Vergi & Benzeri Yükümlülükler
d.) Dönem Kar› Vergi & Di¤er Yasal Yükümlülük Karfl›l›klar›
e.) Dönem Kar›n›n Peflin Ödenen Vergi & Di¤er Yükümlülükleri (-)
f.) Di¤er Vergi & Benzeri Yükümlülük Karfl›l›klar›
G. D‹⁄ER R‹SKLERE ‹L‹fiK‹N KARfiILIKLAR
a.) K›dem Tazminat› Karfl›l›¤›
b.) Sosyal Yard›m Sand›¤› Varl›k Aç›klar› Karfl›l›¤›
c.) Maliyet Giderleri Karfl›l›¤›
H. GELECEK AYLARA A‹T GEL‹RLER VE G‹DER TAHAKKUKLARI
a.) Gelecek Aylara Ait Gelirler
b.) Gider Tahakkuklar›
c.) Gelecek Aylara Ait Di¤er Gelirler & Gider Tahakkuklar›
I. D‹⁄ER KISA VADEL‹ YÜKÜMLÜLÜKLER
a.) Ertelenmifl Vergi Yükümlü¤ü
b.) Say›m & Tesellüm Fazlal›klar›
c.) Di¤er Çeflitli K›sa Vadeli Yükümlülükler
II. U Z U N V A D E L ‹ Y Ü K Ü M L Ü L Ü K L E R T O P L A M I
A. F‹NANSAL BORÇLAR
a.) Finansal Kiralama ‹fllemlerinden Borçlar
b.) Ertelenmifl Finansal Kiralama Borçlanma Maliyetleri (-)
B. ESAS FAAL‹YETLERDEN BORÇLAR
a.) Sigortac›l›k Faaliyetlerinden Borçlar
b.) Emeklilik Faaliyetlerinden Borçlar
C. ‹L‹fiK‹L‹ TARAFLARA BORÇLAR
a.) Ortaklara Borçlar
D. D‹⁄ER BORÇLAR
a.) Al›nan Depozito & Teminatlar
b.) Di¤er Çeflitli Borçlar
E. S‹GORTACILIK TEKN‹K KARfiILIKLARI
a.) Hayat Matematik Karfl›l›¤› - Net
b.) Yat›r›m Riski Hayat Sigortas› Poliçe Sahiplerine Ait Poliçeler ‹çin Ayr›lan Karfl›l›k - Net
c.) Di¤er Teknik Karfl›l›klar - Net
25,594,585
24,443,485
1,151,100
138,353
5,416
132,938
455,780,542
239,288,047
924,971
215,567,524
9,428,824
962,113
56,445
16,662,510
8,252,244
104,837,545
100,620,277
100,620,277
4,197,756
4,197,756
19,512
19,512
536,666,853
343,000,000
343,000,000
40,419,867
40,419,867
104,833,851
10,498,710
12,500,000
41,369,871
40,465,270
-
Genel Toplam
45
INSURANCE SECTOR
1. Consolidated Balance Sheet of Insurance and Reinsurance Companies (31.12.2006) (TRY)
ASSETS
I. CURRENT ASSETS
A. CASH AND SIMILAR ASSETS
a.) Cash In Hand
b.) Checks Received
c.) Cash At Bank
d.) Checks Given and Payment Orders (-)
e.) Other Cash and Similar Assets
B. FINANCIAL ASSETS AND INVESTMENTS FOR THE BENEFIT OF LIFE INSURANCE
POLICY HOLDERS WHO BEAR THE INVESTMENT RISK
a.) Available for Sale Assets
b.) Held to Maturity Assets
c.) Marketable Assets
d.) Financial Assets Whose Risk Belong to Holders of Life Insurance Policy
e.) Provision for Depreciation of Financial Assets (-)
C. RECIEVABLES FROM OPERATING ACTIVITIES
a.) Insurance Activities
b.) Provisions for Receivables From Insurance Activities (-)
c.) Reinsurance Activities
d.) Provisions for Receivables From Reinsurance Activities (-)
e.) Deposits With Cedings and Retroceding Companies
f.) The Credits to Insured (loans)
g.) Pension Activities
h.) Doubtful Receivables
›.) Provisions For Doubtful Receivables (-)
D. RECEIVABLES FROM RELATED PARTIES
a.) Shareholders
b.) Participations
c.) Affiliates
d.) Personnel
e.) Other Related Parties
f.) Doubtful Receivables
g.) Provisions for Doubtful Receivables (-)
E. OTHER RECEIVABLES
a.) Deposits and Guarantees Given
b.) Other Miscellaneous Receivables
c.) Other Doubtful Receivables
d.) Provisions for Other Doubtful Receivables (-)
F. EXPENSES RELATING TO FUTURE MONTHS AND INCOME ACCRUALS
a.) Prepaid Expenses for Future Months
b.) Accrued Interest and Rental Income
c.) Income Accruals
d.) Other Expenses Relating to Future Months and Income Accruals
G. OTHER CURRENT ASSETS
a.) Inventories for Future Months
b.) Prepaid Taxes and Funds
c.) Work Advances
d.) Advances Given to Personnel
e.) Inventory Shortages
f.) Other Miscellaneous Current Assets
II . NONCURRENT ASSETS
A. RECEIVABLES FROM OPERATING ACTIVITIES
a.)
b.)
c.)
d.)
e.)
f.)
g.)
Insurance Activities
Provisions for Receivables From Insurance Activities (-)
Deposits with Cedings and Retroceding Companies
Credits to Insured (Loans)
Pension Activities
Doubtful Receivables
Provisions For Doubtful Receivables (-)
B. RECEIVABLES FROM RELATED PARTIES
a.) Participations
b.) Personnel
c.) Other Related Parties
C. OTHER RECEIVABLES
a.) Deposits and Guarantees Given
b.) Other Miscellaneous Receivables
c.) Other Doubtful Receivables
d.) Provisions for Other Doubtful Receivables (-)
D. FINANCIAL ASSETS
a.) Long-Term Securities
b.) Participations
c.) Capital Commitments for Participations (-)
d.) Subsidiaries
e.) Capital Commitments for Subsidiaries (-)
f.) Other Financial Assets
g.) Provision for Depreciation of Financial Assets (-)
E. TANGIBLE ASSETS
a.)
b.)
c.)
d.)
e.)
f.)
g.)
Real Estate- Related Investments
Provision for Depreciation of Real Est- Rel Investments (-)
Self-Occupied Real Estates
Machinery and Equipments
Fixture and Installations
Motor Vehicles
Other Tangible Assets (Including Special Cost)
h.) Tangible Assets Obtained by Leasing
›.) Accumulated Depreciation (-)
i.) Advances Related to Tangible Assets (Including Fixed Asstes Under Const.)
F. INTANGIBLE ASSETS
a.) Rights
b.) Goodwill
c.) Expenses Related to Pre-Activity Term
d.) Other Intangible Assets
e.) Accumulated Redemptions (Amortizations) (-)
G. EXPENSES RELATING TO FUTURE YEARS AND INCOME ACCRUALS
a.) Expenses Relating to Future Periods
b.) Income Accruals
c.) Other Expenses Relating to Future Years and Income Accruals
H. OTHER NONCURRENT ASSETS
a.) Inventories for Future Years
b.) Prepaid Taxes and Funds
c.) Deferred Tax Assets
d.) Other Miscelleneaous Noncurrent assets
TOTAL ASSETS
Non - Life
Companies
Life and Pension
Companies
Reinsurance
Companies
General Total
6,217,402,411
6,897,926,015
13,115,328,426
Total
858,002,983
13,973,331,409
1,790,676,440
445,873,868
2,236,550,308
366,211,357
4,007,492
1,550,103
1,658,105,095
25,109,575
152,123,325
33,021
4,420
352,539,619
64,962
93,361,771
4,040,513
1,554,523
2,010,644,714
25,174,538
245,485,096
16,272
70,002
366,125,083
-
2,602,761,665
4,056,785
1,624,525
2,376,769,797
25,174,538
245,485,096
1,721,673,336
4,554,900,995
6,276,574,331
406,379,771
6,682,954,102
1,113,109,934
381,303,568
204,698,810
23,581,520
1,020,496
598,726,340
4,498,308
212,097,198
3,739,652,065
72,915
1,711,836,274
385,801,876
416,796,007
3,763,233,585
1,093,412
406,379,771
-
1,711,836,274
385,801,876
823,175,779
3,763,233,585
1,093,412
2,617,639,366
2,637,766,154
105,510,859
54,283,924
10,192
5,406,491
257,020,925
231,317,076
6,497,436
4,972
56,134
45,913
301,885
6,088,532
25,238,274
174,355
25,063,919
2,265,904
2,265,904
13,487,860
7,690,886
2,835,747
2,944,124
17,103
42,189,699
1,074,724
37,371,562
1,340,165
227,844
101
2,175,303
2,838,076,401
1,848,101,344
138,229,532
3,898,716
3,619,537
152,872,950
1,557,278,041
2,950,824
2,950,824
1,813,911
2,788
169,121
1,642,003
99,104
99,104
17,761,835
91,868
17,661,208
1,057,943
1,049,184
6,942,297
5,985,781
112,058
771,129
73,329
22,531,765
936,570
20,088,594
323,337
237,285
945,979
1,322,904,921
4,465,740,710
2,775,995,686
109,409,575
57,903,461
10,192
5,406,491
152,872,950
1,557,278,041
259,971,749
234,267,900
79,563,127
38,779,649
40,783,478
-
4,545,303,837
2,775,995,686
109,409,575
96,683,109
10,192
46,189,969
152,872,950
1,557,278,041
259,971,749
234,267,900
8,311,348
4,972
58,922
45,913
471,005
7,730,535
99,104
99,104
29,241
14,896
14,345
-
8,340,589
4,972
58,922
45,913
485,901
7,744,880
99,104
99,104
43,000,109
266,223
42,725,127
3,323,847
3,315,089
2,756
2,756
-
43,002,865
268,979
42,725,127
3,323,847
3,315,089
20,430,157
13,676,667
2,947,805
3,715,253
90,432
2,654,806
2,654,806
23,084,963
13,676,667
2,947,805
3,715,253
2,745,237
64,721,464
2,011,294
57,460,156
1,663,502
465,130
101
3,121,281
4,160,981,322
3,161,926
2,304,784
21,912
192,940
642,290
274,443,719
67,883,390
2,011,294
59,764,940
1,685,415
658,070
101
3,763,571
4,435,425,041
6,139,171
- 3,706,217
2,226
353,799
10,860
33,791,451
24,308,496
1,500
1,500
241,834
240,543
1,291
2,815
2,815
2,384,996,883
68,053,854
2,090,214,044
3,632,803
269,504,821
16,102,770
88,235
23,128,498
422,100,081
144,027,071
4,052,200
310,250,177
41,879,011
142,083,958
16,322,874
40,278,055
13,051,129
282,547,342
807,348
20,689,127
26,294,696
16,250,000
18,789
13,066,746
34,941,104
80,872
80,872
3,826,933
78,743
793,733
291,273
2,663,184
1,108,416,322
1,457,507
1,106,958,815
631,935
631,935
127,199
127,199
540,804
1,479,684
2,020,488
106,058,711
82,735,929
31,894,329
5,412,786
196,381
13,787,952
85,342,970
47,447,439
302,562
15,067,845
22,080,966
57,399,350
5,205,190
30,563,165
9,318,911
103,491,729
2,054,395
13,746,306
17,028,776
120,569
22,308,137
25,711,176
5,379,641
5,350,350
29,291
3,833,771
767
3,833,004
-
1,114,555,494
- 3,706,217
2,226
353,799
1,468,368
1,106,958,815
34,423,386
24,940,431
8,900,646
8,900,646
1,114,555,494
- 3,706,217
2,226
353,799
1,468,368
1,106,958,815
43,324,031
33,841,077
1,500
1,500
369,033
367,743
542,095
1,482,498
2,023,302
11,136
11,136
1,500
1,500
369,033
367,743
542,095
1,493,635
2,034,439
2,491,055,594
150,789,783
2,122,108,373
3,632,803
274,917,608
16,299,151
88,235
36,916,450
507,443,050
191,474,510
4,354,761
325,318,022
63,959,976
199,483,309
21,528,064
70,841,220
22,370,040
386,039,071
2,861,742
129,358,929
22,044,754
106,567,968
746,207
85,401,864
61,500,496
31,392,945
1,123,244
425,474
9,040,294
-
2,620,414,523
172,834,538
2,228,676,340
3,632,803
275,663,814
16,299,151
88,235
36,916,450
592,844,914
252,975,005
4,354,761
356,710,967
63,959,976
200,606,552
21,953,538
70,841,220
22,370,040
395,079,365
2,861,742
34,435,433
43,323,472
16,250,000
139,358
35,374,883
60,652,280
5,460,514
5,431,223
29,291
7,660,705
78,743
794,500
4,124,278
2,663,184
59,678,096
46,659
59,638,290
6,853
4,830
4,830
-
94,113,528
43,370,131
16,250,000
139,358
95,013,173
60,659,133
5,465,344
5,431,223
29,291
4,830
7,660,705
78,743
794,500
4,124,278
2,663,184
9,055,478,813
8,220,830,936
17,276,309,749
1,132,446,702
18,408,756,451
INSURANCE SECTOR
1. Consolidated Balance Sheet of Insurance and Reinsurance Companies (31.12.2006) (TRY)
LIABILITIES
I. SHORT TERM LIABILITIES
A. FINANCIAL PAYABLES
a.) Due to Credit Instutitions
b.) Due From Financial Leasing Transactions
c.) Deferred Financial Leasing Borrowing Costs (-)
d.) Other Financial Payables (Liabilities)
B. OPERATING ACTIVITY PAYABLES
b.) Reinsurance Activities
c.) Deposits With Cedings and Retroceding Companies
d.) Pension Actvities
e.) Other Operational Activity Payables
f.) Rediscount on Notes Payable from Other Op. Activities (-)
Non-Life Companies
Life and Pension
Companies
4,441,801,045
2,594,360
2,768,358
173,998
649,115,688
342,748,132
150,174,351
102,379,648
53,925,219
111,663
52,874,112
38,921,228
551,898
3,936,940,796
1,274,422
403,037
875,866
30,588
26,107
1,660,532,897
23,118,378
4,299,478
1,434,022
1,616,563,971
15,117,049
3,043,125
1,245,553
6
80
872,686
12,528,220
78,863,861
2,503,363
76,360,498
3,531,004,769
2,180,940,811
5,306,305
1,296,911,898
548,583
47,297,172
98,292,940
62,920,388
8,939,279
1,651,300
52,062,583
28,038,855
758,245
20,902,399
6,803,084
8,491,980
5,607,334
7,376,776
1,527,218
4,045,313
1,804,246
776,139
200,347
575,792
507,826,919
1,007,032
1,094,488
87,456
5
5
158,583
155,684
2,899
E. TECHNICAL PROVISIONS
a.) Mathematical Reserves - Net
b.) Provisions for The Policies Investment Risk of Which Belongs to Policy Holder - Net
c.) Other Technical Provisions - Net
F. OTHER LIABILITIES AND PROVISIONS THEREOF
a.) Other Liabilities To Be Paid
b.) Overdue, Deferred or Restructured Taxes and Other Fiscal Liabilities
G. PROVISIONS FOR OTHER RISKS
a.) Provision for Termination Indemnities
H. INCOME RELATING TO FUTURE YEARS AND EXPENSE ACCRUALS
a.) Other Income Relating to Future Years and Expense Accruals
I. OTHER LONG TERM LIABILITIES
a.) Deferred Tax Liabilitiy
b.) Other Miscellaneous Long Term Liabilites
III. EQUITY CAPITAL
A. PAID-IN CAPITAL
a.) (Nominal) Capital
b.) Unpaid Capital (-)
c.) Favourable Differences Out Of Capital Adjustment
d.) Unfavourable Differences Out Of Capital Adjustment (-)
B.CAPITAL RESERVES
a.) Share Premiums
b.) Sale Profits to Be Added in Capital
c.) Other Capital Reserves
C. PROFIT RESERVES
a.) Legal Reserves
b.) Statutory Reserves
c.) Extraordinary Reserves
d.) Special Funds (Reserves)
e.) Financial Asset Valuation
f.) Other Profit Reserves
D. PROFITS FROM PREVIOUS PERIOD
a.) Profits from Previous Year
E. LOSSES FROM PREVIOUS PERIOD (-)
a.) Loss From Previous Year (-)
IV. NET PROFIT/LOSS FOR THE PERIOD
a.) Net Profit for the Year
b.) Net Loss for the Year (-)
TOTAL LIABILITIES
C. DUE TO RELATED PARTIES
a.) Shareholders
b.) Affiliates
c.) Subsidiaries
d.) Personnel
e.) Other Related Parties
D. OTHER PAYABALES
a.) Deposits and Guarantees Received
b.) Other Miscellaneous Payables
E. TECHNICAL PROVISIONS
a.) Provisions For Unearned Premiums - Net
b.) Provisions for Unexpired Risks - Net
c.) Mathematical Reserves - Net
d.) Provision for Outstanding Claims - Net
e.) Provision for Bonuses&Rebates - Net
f.) Provisions for The Policies Investment Risk of Which Belongs to Policy Holder - Net
g.) Other Technical Provisions - Net
F. TAXES AND OTHER LIABILITIES TO BE PAID AND PROVISIONS THEREOF
a.) Taxes and Funds Payable
b.) Social Security Premiums to Be Paid
c.) Other Tax and Similar Liabilities
d.) Tax Provisions for Profit for The Period & Other Legal Liabilites !!!
e.) Prepaid Taxes and Other Liabilitiesforf the Profit for the Period (-)
f.) Provision for Other Taxes and Similar Liabilities
G. PROVISIONS RELATED OTHER RISKS
a.) Provision for Termination Indemnities
b.) Provisions for Social Relief Funds Deficits
c.) Provisions for Cost Exopenses
H. INCOME RELATING TO FUTURE MONTHS AND EXPENSE ACCRUALS
a.) Income Relating to Future Months
b.) Expense Accruals
c.) Other Income Relating to Future Months and Expense Accruals
I. OTHER SHORT TERM LIABILITIES
a.) Deferred Tax Liability
b.) Inventory Overages
c.) Other Miscellanous Short Term Liabilities
II. LONG TERM LIABILITIES
A. FINANCIAL PAYABLES
a.) Due to Financial Leasing Transactions
b.) Deferred Financial Leasing Borrowing Costs (-)
B. OPERATING ACTIVITY PAYABLES
b.) Pension Actvitiess
C. DUE TO RELATED PARTIES
a.) Shareholders
D. OTHER PAYABLES
a.) Deposits and Guarantees Received
b.) Other Miscellanous Payables
Total
General Total
490,942,304
-
451,381
1,346,186
44,200,763
1,190,137
43,010,625
2,136,869,248
146,248,375
3,817
1,690,790,571
128,795,146
582,052
167,401,225
3,048,062
45,545,568
13,948,645
6,603,519
9
29,160,263
7,840,709
3,673,840
11,174,796
3,690,730
7,484,066
10,722,739
1,139,945
9,062,246
520,549
23,577,238
59,869
322
23,517,047
3,346,661,601
376,926
393,185
16,259
1,106,958,815
1,106,958,815
4,996,076
4,996,076
80,018
80,018
-
8,378,741,841
3,868,782
403,037
3,644,225
204,586
26,107
2,309,648,585
365,866,511
154,473,828
103,813,670
1,616,563,971
69,042,268
111,663
55,917,237
40,166,781
551,904
80
1,324,067
13,874,406
123,064,624
3,693,501
119,371,123
5,667,874,017
2,327,189,186
3,817
1,696,096,876
1,425,707,044
582,052
167,949,808
50,345,234
143,838,508
76,869,033
15,542,798
1,651,309
81,222,847
35,879,564
4,432,085
32,077,194
10,493,814
8,491,980
13,091,400
18,099,516
2,667,162
13,107,559
2,324,795
24,353,377
260,216
322
24,092,839
3,854,488,519
1,383,958
1,487,673
103,715
1,106,958,815
1,106,958,815
4,996,081
4,996,081
238,601
235,702
2,899
442,661,211
7,434,744
8,241,662
426,984,806
995,374
985,599
9,776
62,219,241
62,219,241
785,473
174,388
611,085
4,105,850,849
2,384,446,139
1,856,897,963
221,631
538,398,843
10,629,037
12,661,360
83,039
1,227,028
11,351,292
1,811,019,193
199,961,800
452,112
499,940,924
596,958
1,103,527,323
6,540,076
68,722,840
68,722,840
323,765,628
323,765,628
152,766,945
330,906,151
178,139,206
2,194,629,767
2,069,280,093
101,637,825
23,711,849
38,081
38,081
30,622,359
30,622,359
8,959,560
8,959,560
937,228,539
755,440,221
660,370,700
140,790
95,210,311
550,109
286,252
263,857
228,153,001
67,724,921
11,067,310
116,692,920
35,547
32,632,303
276,329
276,329
124,923,008
124,923,008
77,731,886
151,291,633
73,559,747
2,637,290,978
2,076,714,836
109,879,486
450,696,655
1,033,455
985,599
47,856
92,841,600
92,841,600
9,745,032
174,388
9,570,644
5,043,079,389
3,139,886,360
2,517,268,663
362,421
633,609,154
10,629,037
13,211,469
83,039
1,513,280
11,615,149
2,039,172,194
267,686,722
11,519,421
616,633,845
632,505
1,136,159,626
6,540,076
68,999,170
68,999,170
448,688,636
448,688,636
230,498,831
482,197,785
251,698,953
100,620,277
-
48,413,135
48,413,135
-
2,076,714,836
109,879,486
551,316,931
1,033,455
985,599
47,856
97,039,356
97,039,356
19,512
19,512
9,745,032
174,388
9,570,644
5,579,746,242
3,482,886,360
2,860,268,663
362,421
633,609,154
10,629,037
53,631,336
83,039
41,933,147
11,615,149
2,144,006,045
278,185,432
24,019,421
616,633,845
632,505
1,177,529,497
47,005,346
68,999,170
68,999,170
448,688,636
448,688,636
278,911,966
530,610,920
251,698,953
9,055,478,813
8,220,830,936
17,276,309,749
1,132,446,702
18,408,756,451
25,594,585
24,443,485
1,151,100
138,353
5,416
132,938
455,780,542
239,288,047
924,971
215,567,524
9,428,824
962,113
56,445
16,662,510
8,252,244
104,837,545
-
100,620,277
4,197,756
4,197,756
19,512
19,512
536,666,853
343,000,000
343,000,000
40,419,867
40,419,867
104,833,851
10,498,710
12,500,000
41,369,871
40,465,270
-
8,869,684,145
3,868,782
403,037
3,644,225
204,586
26,107
2,335,243,170
365,866,511
178,917,313
104,964,770
1,616,563,971
69,042,268
111,663
56,055,590
40,172,197
551,904
80
1,324,067
14,007,343
123,064,624
3,693,501
119,371,123
6,123,654,559
2,566,477,234
3,817
1,697,021,847
1,641,274,568
582,052
167,949,808
50,345,234
153,267,332
77,831,146
15,599,243
1,651,309
97,885,357
44,131,808
4,432,085
32,077,194
10,493,814
8,491,980
13,091,400
18,099,516
2,667,162
13,107,559
2,324,795
24,353,377
260,216
322
24,092,839
3,959,326,064
1,383,958
1,487,673
103,715
1,106,958,815
1,106,958,815
4,996,081
4,996,081
238,601
235,702
2,899
2,737,911,254
47
INSURANCE SECTOR
2. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (fiirketler) (31.12.2006) (YTL)
Yang›n
Nakliyat
559.133.093
541.831.274
1.583.342.597
1.041.511.323
144.738.965
285.075.079
140.336.114
117.586.125
232.477.251
114.891.126
0
34.236.314
203.722.833
187.666.883
346.257.378
158.590.495
31.720.648
63.899.830
32.179.182
23.961.437
54.505.227
30.543.790
0
13.938.464
2.261.615.063
2.369.055.999
3.098.688.032
729.632.033
1.096.172.301
1.396.015.588
299.843.287
844.651.950
1.117.750.005
273.098.055
0
64.841.082
128.732.743
142.954.827
430.683.990
287.729.163
67.547.887
185.789.875
118.241.988
43.274.006
141.645.839
98.371.833
0
10.086.673
19.920.790
19.013.540
54.365.086
35.351.545
4.160.977
10.392.310
6.231.334
3.884.509
12.903.224
9.018.715
0
625.081
10.218.345
9.876.696
79.238.333
-34.876
558.637
TEKN‹K G‹DER
A.) ÖDENEN HASARLAR (NET) (-)
a.) Ödenen Hasarlar (Brüt) (-)
b.) Ödenen Hasarlar (Reas. Pay›)
B.) MUALLAK HASARLAR KARfiILI⁄I (NET) (-)
a.) Muallak Hasarlar Karfl›l›¤› (Brüt) (-)
b.) Muallak Hasarlar Karfl›l›¤› (Reas. Pay›)
C.) DEVREDEN MUALLAK HASARLAR KARfiILI⁄I (NET)
a.) Devreden Muallak Hasarlar Karfl›l›¤› (Brüt)
b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) (-)
D.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M
E.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M (-)
F.) FAAL‹YET G‹DERLER‹ (-)
455.631.223
120.036.355
2.460.847.394
94.397.251
18.760.974
209.181.183
464.861.807
255.680.624
118.061.403
432.146.528
314.085.125
76.922.830
241.334.037
164.411.208
0
60.900.158
144.411.309
51.564.922
122.487.349
70.922.428
46.124.909
146.069.046
99.944.137
34.262.817
107.537.689
73.274.872
0
3.566.484
53.042.859
1.755.185.867
2.224.847.487
469.661.620
521.734.034
745.394.635
223.660.601
403.408.167
583.753.306
180.345.139
0
8.795.262
578.540.397
63.507.956
163.964.539
100.456.583
35.635.411
163.016.392
127.380.981
23.532.023
123.463.714
99.931.691
0
6.140.842
12.645.066
10.535.219
25.167.707
14.632.487
3.485.560
19.759.358
16.273.798
3.117.025
16.487.596
13.370.572
0
529.820
7.327.400
TEKN‹K KAR/ZARAR
103.501.870
83.686.477
- 199.232.331
34.335.492
1.159.816
TEKN‹K GEL‹R
A.) YAZILAN PR‹MLER (NET)
a.) Yaz›lan Primler (Brüt)
b.) Reasürans Devredilen Primler (-)
B.) KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) (-)
a.) Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) (-)
b.) Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›)
C.) DEVREDEN KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET)
a.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Brüt)
b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay› (-)
D.) DEVAM EDEN R‹SKLER KARfiILI⁄INDA DE⁄‹fi‹M
E.) TEKN‹K OLMAYAN BÖLÜMDEN AKTARILAN YATIRIM GEL‹RLER‹
F.) D‹⁄ER TEKN‹K GEL‹RLER
Kaza
Mühendislik
Tar›m
2. Consolidated Profit And Loss Account of Non-Life Branches (Companies) (31.12.2006) (TRY)
Fire
Marine
Accident
Engineering
Agriculture
TECHNICAL INCOME
A.) WRITTEN PREMIUMS (NET)
a.) Written Premiums (Gross)
b.) Premiums Ceded to Reinsurer (-)
B.) PROVISIONS FOR UNEARNED PREMIUMS (NET) (-)
a.) Provisions for Unearned Premiums (Gross) (-)
b.) Provisions for Unearned Premiums (Reinsurer's share)
C.) PROVISIONS FOR UNEARNED PREM. BROUGT FORWARD (NET)
a.) Provisions for Unearned Premiums Brought Forward(Gross)
b.) Provisions For Unearned Premiums Brought Forward (Reins. share) (-)
D.) CHANGE IN PROVISION FOR UNEXPIRED RISKS
E.) INVESTMENT INCOME TRANSFERRED FROM NON-TECHNICAL SECTION
F.) OTHER TECHNICAL INCOMES
559.133.093
541.831.274
1.583.342.597
1.041.511.323
144.738.965
285.075.079
140.336.114
117.586.125
232.477.251
114.891.126
0
34.236.314
203.722.833
187.666.883
346.257.378
158.590.495
31.720.648
63.899.830
32.179.182
23.961.437
54.505.227
30.543.790
0
13.938.464
2.261.615.063
2.369.055.999
3.098.688.032
729.632.033
1.096.172.301
1.396.015.588
299.843.287
844.651.950
1.117.750.005
273.098.055
0
64.841.082
128.732.743
142.954.827
430.683.990
287.729.163
67.547.887
185.789.875
118.241.988
43.274.006
141.645.839
98.371.833
0
10.086.673
19.920.790
19.013.540
54.365.086
35.351.545
4.160.977
10.392.310
6.231.334
3.884.509
12.903.224
9.018.715
0
625.081
10.218.345
9.876.696
79.238.333
-34.876
558.637
TECHNICAL EXPENSES
A.) PAID LOSSES (NET) (-)
a.) Paid Losses (Gross) (-)
b.) Paid Losses (Reinsurer's share)
B.) PROVISION FOR OUTSTANDING LOSSES (NET) (-)
a.) Provisions for Outstanding Losses (Gross) (-)
b.) Provisions for Outstanding Losses (Reinsurer's share)
C.) PROVISION FOR OUTSTANDING LOSSES BROUGHT FORWARD(NET)
a.) Provisions for Outstanding Losses Brought Forward (Gross)
b.) Provisions for Outstanding Losses Brought Forward (Reins. Share) (-)
D.) CHANGE IN PROVISION FOR BONUSES & REBATES
E.) CHANGE IN OTHER TECHNICAL PROVISIONS
F.) OPERATING EXPENSES (-)
TECHNICAL PROFIT/LOSS
455.631.223
120.036.355
2.460.847.394
94.397.251
18.760.974
209.181.183
464.861.807
255.680.624
118.061.403
432.146.528
314.085.125
76.922.830
241.334.037
164.411.208
0
60.900.158
144.411.309
51.564.922
122.487.349
70.922.428
46.124.909
146.069.046
99.944.137
34.262.817
107.537.689
73.274.872
0
3.566.484
53.042.859
1.755.185.867
2.224.847.487
469.661.620
521.734.034
745.394.635
223.660.601
403.408.167
583.753.306
180.345.139
0
8.795.262
578.540.397
63.507.956
163.964.539
100.456.583
35.635.411
163.016.392
127.380.981
23.532.023
123.463.714
99.931.691
0
6.140.842
12.645.066
10.535.219
25.167.707
14.632.487
3.485.560
19.759.358
16.273.798
3.117.025
16.487.596
13.370.572
0
529.820
7.327.400
103.501.870
83.686.477
- 199.232.331
34.335.492
1.159.816
INSURANCE SECTOR
2. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (fiirketler) (31.12.2006) (YTL)
Sa¤l›k
Hukuksal Koruma
Ferdi Kaza
Kredi
KMA Mali Sorumluluk
698.636.824
735.633.945
984.033.787
248.399.843
299.816.088
382.048.248
82.232.161
234.430.540
306.694.422
72.263.883
0
24.488.506
3.899.921
21.718.909
21.323.528
27.152.292
5.828.764
9.950.509
12.307.292
2.356.783
8.043.385
9.919.881
1..876.496
0
2.092.981
209.525
235.192.270
251.418.683
299.710.489
48.291.806
99.932.849
115.209.273
15.276.424
70.825.397
84.563.319
13.737.922
0
12.172.246
708.793
418.204
206.485
8.321.073
8.114.587
190.539
3.765.353
3.574.814
44.183
1.920.849
1.876.666
0
358.075
0
1.119.633.301
1.160.954.105
1.449.184.731
288.230.626
491.326.551
609.567.363
118.240.812
413.508.177
521.702.146
108.193.969
0
28.516.306
7.981.265
5.248.724.031
5.430.059.268
8.281.739.454
2.851.680.186
2.245.557.313
3.064.070.212
818.512.899
1.760.209.708
2.484.082.163
723.872.455
0
191.355.729
112.656.639
715.428.783
551.265.644
6.194.873
202.235
1.659.546
1.457.311
1.257.811
2.699.340
1.441.529
827.515
3.154.764
2.327.249
0
266
132.154.185
29.806.670
112.434
87.462
1.224.998.093
762.136.322
5.228.561.567
3.433.473.480
38.998.334
9.191.665
20.954.755
25.679.142
4.724.387
12.771.484
16.868.760
4.097.276
2.738.543
2.651.081
79.583
1.830.689
1.751.106
122.894
1.856.930
1.734.036
926.226.420
164.090.098
507.290.667
577.499.162
70.208.494
365.134.889
415.071.715
49.936.826
4.721.355.199
1.287.881.720
1.309.114.934
2.184.915.583
875.800.649
968.922.641
1.572.163.165
603.240.524
0
25.768
0
0
0
1.675.608
0
81.634.207
750.403.467
199.137.822
54.490.801
70.821.293
16.330.492
48.822.997
62.634.653
13.811.656
0
0
158.495.335
5.562.076
94.138.477
68.283
319.030.385
1.373.261.586
- 16.791.959
15.524.036
103.038.085
305.770
-105.364.792
20.162.464
2. Consolidated Profit And Loss Account of Non-Life Branches (Companies) (31.12.2006) (TRY)
-
Health
Legal Protection
Personel Accident
Credit
698.636.824
735.633.945
984.033.787
248.399.843
299.816.088
382.048.248
82.232.161
234.430.540
306.694.422
72.263.883
0
24.488.506
3.899.921
21.718.909
21.323.528
27.152.292
5.828.764
9.950.509
12.307.292
2.356.783
8.043.385
9.919.881
1..876.496
0
2.092.981
209.525
235.192.270
251.418.683
299.710.489
48.291.806
99.932.849
115.209.273
15.276.424
70.825.397
84.563.319
13.737.922
0
12.172.246
708.793
418.204
206.485
8.321.073
8.114.587
190.539
3.765.353
3.574.814
44.183
1.920.849
1.876.666
0
358.075
0
1.119.633.301
1.160.954.105
1.449.184.731
288.230.626
491.326.551
609.567.363
118.240.812
413.508.177
521.702.146
108.193.969
0
28.516.306
7.981.265
5.248.724.031
5.430.059.268
8.281.739.454
2.851.680.186
2.245.557.313
3.064.070.212
818.512.899
1.760.209.708
2.484.082.163
723.872.455
0
191.355.729
112.656.639
715.428.783
551.265.644
132.154.185
29.806.670
112.434
87.462
1.224.998.093
762.136.322
5.228.561.567
3.433.473.480
750.403.467
199.137.822
54.490.801
70.821.293
16.330.492
48.822.997
62.634.653
13.811.656
0
0
6.194.873
202.235
1.659.546
1.457.311
1.257.811
2.699.340
1.441.529
827.515
3.154.764
2.327.249
0
266
38.998.334
9.191.665
20.954.755
25.679.142
4.724.387
12.771.484
16.868.760
4.097.276
2.738.543
2.651.081
79.583
1.830.689
1.751.106
122.894
1.856.930
1.734.036
926.226.420
164.090.098
507.290.667
577.499.162
70.208.494
365.134.889
415.071.715
49.936.826
4.721.355.199
1.287.881.720
1.309.114.934
2.184.915.583
875.800.649
968.922.641
1.572.163.165
603.240.524
0
25.768
0
0
0
1.675.608
0
81.634.207
158.495.335
5.562.076
94.138.477
68.283
319.030.385
1.373.261.586
- 16.791.959
15.524.036
103.038.085
305.770
-105.364.792
20.162.464
Motor vehicles TPL
Non-Life Total
49
INSURANCE SECTOR
3. Hayat Branfl› Konsolide Kar/Zarar Hesab› (fiirketler ) 31.12.2006 (YTL)
Hayat
TEKN‹K GEL‹R
b.) Reasüröre Devredilen Primler (-)
b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) (-)
E.) HAYAT BRANfiI YATIRIM GEL‹RLER‹
F.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi KARLAR
G.) D‹⁄ER TEKN‹K GEL‹RLER
2,054,970,556
1,339,773,926
1,385,801,362
46,027,436
81,631,416
90,855,625
9,224,209
51,521,047
57,996,591
6,475,544
2,438,277
729,668,647
0
13,200,075
TEKN‹K G‹DER
b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas.Pay›) (-)
D.) HAYAT MATEMAT‹K KARfiILI⁄I (NET) (-)
a.) Hayat Matematik Karfl›l›¤› (Brüt) (-)
b.) Hayat Matematik Karfl›l›¤› (Reas. Pay›)
E.) DEVREDEN HAYAT MATEMAT‹K KARfiILI⁄I (NET)
a.) Devreden Hayat Matematik Karfl›l›¤› (Brüt)
b.) Devreden Hayat Matematik Karfl›l›¤› (Reas. Pay›) (-)
F.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M
G.) YATIRIM R‹SK‹ HAYAT S‹GORTASI POL‹ÇE SAH‹PLER‹NE A‹T POL‹ÇELER ‹Ç‹N AYRILAN KARfiILIKLARDA DE⁄‹fi‹M
H.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M
I.) FAAL‹YET G‹DERLER‹ (-)
J.) YATIRIM G‹DERLER (-)
K.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi ZARARLAR (-)
L.) TEKN‹K OLMAYAN BÖLÜME AKTARILAN YATIRIM GEL‹RLER‹ (-)
1,902,635,992
1,471,220,091
1,484,388,976
13,168,885
71,204,017
76,307,148
5,103,130
51,989,822
54,786,280
-2,796,459
3,523,656,513
3,526,173,220
2,516,707
3,424,257,396
3,425,611,690
1,354,294
0
78,708,290
67,849
229,828,914
142,920,830
0
18,828,982
TEKN‹K KAR/ZARAR
152,334,565
INSURANCE SECTOR
3. Consolidated Profit and Loss Account of Life Branches 31.12.2006 (Companies) (TRY)
Life
TECNICAL INCOME
E.) LIFE BRANCH INVESTMENT INCOME
F.) UNREALIZED PROFITS IN INVESTMENT
G.) OTHER TECHNICAL INCOMES
2,054,970,556
1,339,773,926
1,385,801,362
46,027,436
81,631,416
90,855,625
9,224,209
51,521,047
57,996,591
6,475,544
2,438,277
729,668,647
0
13,200,075
TECHNICAL EXPENSES
a.) Provisions for Outstanding Losses Brou. Forw.(Gross)
b.) Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-)
D.) MATHEMATICAL RESERVES (NET) (-)
a.) Mathemnatical Reserves (Gross) (-)
b.) Mathemnatical Reserves (Reinsurer's Sahre)
E.) MATHEMATICAL RESERVES BROUGHT FORWARD(NET)
a.) Mathematical Reserves Brougt Forward (Gross)
b.) Mathematical Reserves Brougt Forward (Reinsurer' Share) (-)
F.) CHANGE IN PROVISION FOR BONUSES&REBATES
G.) CHANGE IN PPROVISIONS FOR THE POLICIES INVESTMENT RISK OF WHICH BELONG TO POLICIYHOLDRS - Net
H.) CHANGE IN OTHER TECHNICAL PROVISIONS
I.) OPERATING EXPENSES (-)
J.) INVESTMENT EXPENSES (-)
K.) UNREALIZED LOSS IN INVESTMENTS (-)
L.) INVESTMENT COSTS TRANSFERRED TO NON-TECHNICAL SECTION (-)
1,902,635,992
1,471,220,091
1,484,388,976
13,168,885
71,204,017
76,307,148
5,103,130
51,989,822
54,786,280
-2,796,459
3,523,656,513
3,526,173,220
2,516,707
3,424,257,396
3,425,611,690
1,354,294
0
78,708,290
67,849
229,828,914
142,920,830
0
18,828,982
152,334,565
51
INSURANCE SECTOR
4. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) (31.12.2006) (YTL)
Yang›n
TEKN‹K GEL‹R
a.) Yazlan Primler (Brüt)
E.) TEKN‹K OLMAYAN BÖL‹MDEN AKTARILAN YATIRIM GEL‹RLER‹
F.) D‹⁄ER TEKN‹K GEL‹RLER
TEKN‹K G‹DER
D.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M
E.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M (-)
F.) FAAL‹YET G‹DERLER‹ (-)
TEKN‹K KAR/ZARAR
Nakliyat
Kaza
Mühendislik
Tar›m
176,873,965
163,819,892
225,345,163
61,525,271
26,648,079
31,297,564
4,649,485
25,508,093
32,955,326
7,447,233
0
5,685,439
8,508,620
31,066,300
30,258,251
38,213,058
7,954,807
5,224,626
6,531,952
1,307,326
4,846,485
5,795,145
948,660
0
1,054,503
131,688
254,625,440
253,271,503
266,355,198
13,083,695
102,111,106
106,889,567
4,778,461
94,939,892
98,969,285
4,029,393
0
7,321,582
1,203,569
45,747,935
48,368,745
64,376,200
16,007,454
17,677,734
21,342,536
3,664,802
13,312,866
16,380,905
3,068,039
0
1,567,325
176,733
1,325,133
1,435,332
2,381,723
946,391
194,097
312,455
118,358
33,500
60,389
26,889
0
46,620
3,778
150,627,079
70,868,345
84,785,012
13,916,666
74,676,326
102,006,249
27,329,923
49,726,925
65,865,196
16,138,271
0
5,162,071
49,647,262
26,511,778
16,461,648
19,813,433
3,351,784
13,799,502
26,861,526
13,062,024
13,798,786
19,999,582
6,200,796
0
0
10,049,414
271,206,424
218,115,695
228,321,566
10,205,871
58,875,100
64,145,067
5,269,967
51,434,410
54,742,157
3,307,747
0
0
45,650,039
51,893,010
26,749,555
32,319,445
5,569,889
22,831,990
30,907,358
8,075,368
17,120,657
22,382,767
5,262,110
0
158,141
19,273,980
1,023,797
584,997
1,037,660
452,664
215,985
465,773
249,788
199,760
351,221
151,461
0
0
422,576
26,246,886
4,554,522
-16,580,984
-6,145,075
- 3.903.099
301,336
4. Consolidated Profit And Loss Account of Non-Life Branches (Reinsurance Companies) (31.12.2006) (TRY)
Fire
TECHNICAL INCOME
a.)Written Premiums (Gross)
b.)Premiums Ceded to Reinsurer (-)
a.)Provisions for Unearned Premiums (Gross) (-)
b.)Provisions for Unearned Premiums (Reinsurer's share)
a.)Provisions For Unearned Premiums Brought Forward (Gross) (-)
b.)Provisions For Unearned Premiums Brought Forward (Reins. share) (-)
E.) INVESTMENT INCOME TRANSFERRED FROM NON-TECHNICAL SECTION
F.) OTHER TECHNICAL INCOMES
TECHNICAL EXPENSES
a.)Paid Losses (Gross) (-)
b.)Paid Losses (Reinsurer's share)
a.)Provisions for Outstanding Losses (Gross) (-)
b.)Provisions for Outstanding Losses (Reinsurer's share)
a.)Provisions for Outstanding Losses Brou. Forw.(Gross)
b.)Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-)
D.) CHANGE IN PROVISION FOR BONUSES&REBATES
E.) CHANGE IN OTHER TECHNICAL PROVISIONS
F.) OPERATING EXPENSES (-)
Accident
Engineering
Agriculture
176,873,965
163,819,892
225,345,163
61,525,271
26,648,079
31,297,564
4,649,485
25,508,093
32,955,326
7,447,233
0
5,685,439
8,508,620
150,627,079
70,868,345
84,785,012
13,916,666
74,676,326
102,006,249
27,329,923
49,726,925
65,865,196
16,138,271
0
5,162,071
49,647,262
31,066,300
30,258,251
38,213,058
7,954,807
5,224,626
6,531,952
1,307,326
4,846,485
5,795,145
948,660
0
1,054,503
131,688
26,511,778
16,461,648
19,813,433
3,351,784
13,799,502
26,861,526
13,062,024
13,798,786
19,999,582
6,200,796
0
0
10,049,414
Marine
254,625,440
253,271,503
266,355,198
13,083,695
102,111,106
106,889,567
4,778,461
94,939,892
98,969,285
4,029,393
0
7,321,582
1,203,569
271,206,424
218,115,695
228,321,566
10,205,871
58,875,100
64,145,067
5,269,967
51,434,410
54,742,157
3,307,747
0
0
45,650,039
45,747,935
48,368,745
64,376,200
16,007,454
17,677,734
21,342,536
3,664,802
13,312,866
16,380,905
3,068,039
0
1,567,325
176,733
51,893,010
26,749,555
32,319,445
5,569,889
22,831,990
30,907,358
8,075,368
17,120,657
22,382,767
5,262,110
0
158,141
19,273,980
1,325,133
1,435,332
2,381,723
946,391
194,097
312,455
118,358
33,500
60,389
26,889
0
46,620
3,778
1,023,797
584,997
1,037,660
452,664
215,985
465,773
249,788
199,760
351,221
151,461
0
0
422,576
26,246,886
4,554,522
-16,580,984
-6,145,075
301,336
INSURANCE SECTOR
4. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) (31.12.2006) (YTL)
HukuksalKoruma
Ferdi Kaza
Kredi
118,984,646
117,434,088
120,465,076
3,030,988
39,090,549
40,139,895
1,049,346
37,430,193
39,043,136
1,612,943
0
3,179,050
31,864
Sa¤l›k
251,018
257,845
272,084
14,239
64,590
69,323
4,734
51,102
51,102
0
0
6,660
0
7,429,319
7,868,399
9,139,462
1,271,064
2,460,568
2,828,169
367,601
1,812,400
2,107,016
294,615
0
199,801
9,288
14,330
22,835
42,469
19,634
8,505
15,791
7,286
0
0
0
0
0
0
KMA Mali Sorumluluk
108,308,342
108,426,276
110,754,244
2,327,968
43,633,058
44,266,552
633,494
39,783,827
40,711,918
928,091
0
3,139,089
592,207
744,626,428
731,163,168
837,344,679
106,181,510
237,112,912
253,693,805
16,580,893
217,718,358
236,074,221
18,355,863
0
22,200,069
10,657,746
130,459,043
103,269,226
105,695,106
2,425,880
9,815,499
10,318,701
503,201
7,053,047
7,426,202
373,155
0
0
24,427,366
131,974
1,271
1,292
21
1,055
1,250
194
533
533
0
0
0
130,181
4,923,636
1,616,880
1,889,001
272,122
710,666
808,815
98,149
451,776
511,693
59,917
0
0
3,047,867
3,211
0
0
0
70
161
91
3,870
3,870
0
0
0
7,011
105,285,661
73,710,853
74,971,500
1,260,647
33,872,297
34,328,908
456,611
31,525,440
32,431,282
905,843
0
0
29,227,951
742,065,614
511,378,470
548,834,014
37,455,545
214,798,490
269,843,807
55,045,317
171,315,205
203,714,502
32,399,298
0
5,320,212
181,883,646
-11,474,397
119,044
2,505,683
11,119
3,022,681
2,560,814
4. Consolidated Profit And Loss Account of Non-Life Branches (Reinsurance Companies) (31.12.2006) (TRY)
Credit
Motor Vehicles TPL
Non-Life Total
118,984,646
117,434,088
120,465,076
3,030,988
39,090,549
40,139,895
1,049,346
37,430,193
39,043,136
1,612,943
0
3,179,050
31,864
130,459,043
103,269,226
105,695,106
2,425,880
9,815,499
10,318,701
503,201
7,053,047
7,426,202
373,155
0
0
24,427,366
Health
Legal Protection
251,018
257,845
272,084
14,239
64,590
69,323
4,734
51,102
51,102
0
0
6,660
0
131,974
1,271
1,292
21
1,055
1,250
194
533
533
0
0
0
130,181
7,429,319
7,868,399
9,139,462
1,271,064
2,460,568
2,828,169
367,601
1,812,400
2,107,016
294,615
0
199,801
9,288
4,923,636
1,616,880
1,889,001
272,122
710,666
808,815
98,149
451,776
511,693
59,917
0
0
3,047,867
14,330
22,835
42,469
19,634
8,505
15,791
7,286
0
0
0
0
0
0
3,211
0
0
0
70
161
91
3,870
3,870
0
0
0
7,011
108,308,342
108,426,276
110,754,244
2,327,968
43,633,058
44,266,552
633,494
39,783,827
40,711,918
928,091
0
3,139,089
592,207
105,285,661
73,710,853
74,971,500
1,260,647
33,872,297
34,328,908
456,611
31,525,440
32,431,282
905,843
0
0
29,227,951
744,626,428
731,163,168
837,344,679
106,181,510
237,112,912
253,693,805
16,580,893
217,718,358
236,074,221
18,355,863
0
22,200,069
10,657,746
742,065,614
511,378,470
548,834,014
37,455,545
214,798,490
269,843,807
55,045,317
171,315,205
203,714,502
32,399,298
0
5,320,212
181,883,646
-11,474,397
119,044
2,505,683
11,119
3,022,681
Personal Accident
2,560,814
53
INSURANCE SECTOR
5. Hayat Branfl› Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri ) 31.12.2006 (YTL)
Hayat
TEKN‹K GEL‹R
E.) HAYAT BRANfiI YATIRIM GEL‹RLER‹
F.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi KARLAR
15,545,559
14,952,709
16,084,073
1,131,364
2,175,135
2,687,151
512,016
2,071,281
2,097,984
26,703
0
696,404
0
300
TEKN‹K G‹DER
D.) HAYAT MATEMAT‹K KARfiILI⁄I (NET) (-)
a.) Hayat Matematik Karfl›l›¤› (Brüt) (-)
b.) Hayat Matematik Karfl›l›¤› (Reas. Pay›)
E.) DEVREDEN HAYAT MATEMAT‹K KARfiILI⁄I (NET)
a.) Devreden Hayat Matematik Karfl›l›¤› (Brüt)
b.) Devreden Hayat Matematik Karfl›l›¤› (Reas. Pay›) (-)
F.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M
G.) YATIRIM R‹SK‹ HAYAT S‹GORTASI POL‹ÇE SAH‹PLER‹NE A‹T POL‹ÇELER ‹Ç‹N AYRILAN KARfiILIKLARDA DE⁄‹fi‹M
H.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M
I.) FAAL‹YET G‹DERLER‹ (-)
J.) YATIRIM G‹DERLER (-)
K.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi ZARARLAR (-)
L.) TEKN‹K OLMAYAN BÖLÜME AKTARILAN YATIRIM GEL‹RLER‹ (-)
13,390,386
4,816,404
5,626,055
809,651
-769,034
1,348,000
578,967
467,598
467,598
0
924,971
924,971
0
759,495
759,495
0
0
0
0
8,107,071
0
0
0
2,155,173
TEKN‹K KAR/ZARAR
5. Consolidated Profit and Loss Account of Life Branches 31.12.2006 (Reinsurance Companies) (TRY)
Life
TECNICAL INCOME
E.) LIFE BRANCH INVESTMENT INCOME
F.) UNREALIZED PROFITS IN INVESTMENT
15,545,559
14,952,709
16,084,073
1,131,364
2,175,135
2,687,151
512,016
2,071,281
2,097,984
26,703
0
696,404
0
300
TECHNICAL EXPENSES
a.) Provisions for Outstanding Losses Brou. Forw.(Gross)
b.) Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-)
D.) MATHEMATICAL RESERVES (NET) (-)
a.) Mathemnatical Reserves (Gross) (-)
b.) Mathemnatical Reserves (Reinsurer's Sahre)
E.) MATHEMATICAL RESERVES BROUGHT FORWARD(NET)
a.) Mathematical Reserves Brougt Forward (Gross)
b.) Mathematical Reserves Brougt Forward (Reinsurer' Share) (-)
F.) CHANGE IN PROVISION FOR BONUSES&REBATES
G.) CHANGE IN PPROVISIONS FOR THE POLICIES INVESTMENT RISK OF WHICH BELONG TO POLICIYHOLDRS - Net
H.) CHANGE IN OTHER TECHNICAL PROVISIONS
I.) OPERATING EXPENSES (-)
J.) INVESTMENT EXPENSES (-)
K.) UNREALIZED LOSS IN INVESTMENTS (-)
L.) INVESTMENT COSTS TRANSFERRED TO NON-TECHNICAL SECTION (-)
13,390,386
4,816,404
5,626,055
809,651
-769,034
1,348,000
578,967
467,598
467,598
0
924,971
924,971
0
759,495
759,495
0
0
0
0
8,107,071
0
0
0
2,155,173
INSURANCE SECTOR
6. Emeklilik Branfl› Konsolide Kar/Zarar Hesab› (31.12.2006) (YTL)
Emeklilik
TEKN‹K GEL‹R
121.684.702
A.) FON ‹fiLET‹M GEL‹RLER‹
43.071.050
B.) YÖNET‹M G‹DER‹ KES‹NT‹S‹
46.155.653
C.) G‹R‹fi A‹DATI GEL‹RLER‹
28.891.157
D.) ARA VERME HAL‹NDE YÖNET‹M G‹DER‹ KES‹NT‹S‹
2.888.673
E.) ÖZEL H‹ZMET G‹DER‹ KES‹NT‹S‹
-
F.) SERMAYE TAHS‹S AVANSI DE⁄ER ARTIfi GEL‹RLER‹
197.543
480.628
TEKN‹K G‹DER
269.129.038
A.) FON ‹fiLET‹M G‹DERLER‹ (-)
8.912.727
B.) SERMAYE TAHS‹S AVANSLARI DE⁄ER AZALIfi G‹DERLER‹(-)
C.) FAAL‹YET G‹DERLER‹ (-)
39.311
253.189.904
D.) D‹⁄ER TEKN‹K G‹DERLER (-)
6.987.097
TEKN‹K KAR/ZARAR
-147.444.336
6. Consolidated Profit and Loss Account of Pension Branch (31.12.2006) (TRY)
Pension
121.684.702
TECHNICAL INCOME
A.) INCOMES OBTAINED FROM FUND OPERATIONS
43.071.050
B.) ADMINISTRATION COST DEDUCTION
46.155.653
C.) ENTRY REMUNERATION INCOME
28.891.157
D.) ADMINISTRATION COST DEDUCTION IN CASE OF INTERRUPTION
2.888.673
-
E.) SPECIAL SERVICE COST DEDUCTION
F.) INCOME OBTAINED FROM INCREASE OF CAPITAL ALLOCATION ADVANCE
197.543
480.628
269.129.038
TECHNICAL EXPENSES
8.912.727
A.) FUND OPERATION EXPENSES (-)
B.) COSTS OF VALUE DECREASE OF CAPITAL ALLOCATION ADVANCES (-)
253.189.904
C.) OPERATING EXPENSES (-)
6.987.097
D.) OTHER TECHNICAL EXPENSES (-)
-147.444.336
39.311
55
INSURANCE SECTOR
7. Branfllara Göre Teknik Karlar ve Art›fl Oranlar› (000 YTL)
7. Technical Profit According to Branches and
Percentage Breakdown (000 TRY)
Branfllar
Branches
2002
2003
%
Yang›n
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tar›m
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal Accident
Kredi
Credit
Trafik
Motor Vehicle TPL
Toplam
Total
2004
%
%
2005 *
%
2005 **
2006 *
2006 **
%
%
59.253
180.0
42.384
-28.5
88.725
109.3
230.007
159.2
126.965
240.663
4.6%
47.099
55.4
61.869
31.4
68.475
10.7
102.411
49.6
76.714
100.104
-2.3%
83.686
9.1%
90.206
6.4
-70.823
-178.5
44.644
163.0
-52.528
-217.7
- 188.535
-63.599
-21.1%
- 199.232
-5.7%
17.958
-1.6
22.837
27.2
34.153
49.6
53.140
55.6
31.127
59.800
12.5%
34.335
10.3%
1.839
110.7
2.006
9.1
1.216
-39.4
1.929
58.6
- 2.056
6.130
217.8%
1.160
156.4%
1962
23.8
2.764
40.9
8.219
197.4
11.451
39.3
10.496
15.834
38.3%
15.524
47.9%
51.457
91.8
26.913
-47.7
40.314
49.8
35.451
-12.1
- 34.192
61.367
73.1%
- 16.792
50.9%
31.992
36.9
43.341
35.5
65.857
52.0
90.291
37.1
79.621
110.013
21.8%
103.038
29.4%
16
-25.0
49
210.9
184
275.5
342
85.9
175
432
26.2%
306
75.0%
-
58.779
-
66.309
12.8
116.238
75.3
41.134
-11.521
-109.9%
45.6
190.119
-37.0
418.096
119.9
588.732
40.8
141.450
519.222
-11.8%
301.783
* Eski hesap düzenine göre
** Yeni hesap düzenine göre
-18.5%
-105.365 -356.2%
20.162
-85.7%
* According to former accounting system
** According to current accounting system
8. Hayat D›fl› Branfllar›n Hasar / Prim Oranlar› (%)
Branfllar
Branches
Yang›n
Fire
Nakliyat
Marine
Kaza
Accident
Mühendislik
Engineering
Tar›m
Agriculture
Hukuksal Koruma
Legal Protection
Sa¤l›k
Health
Ferdi Kaza
Personal
Accident
Kredi
Credit
8. Loss Ratios of Non-Life Branches (%)
2002
2003
2004
2005
2006
41.90
38.30
29.25
35,73
49,90
50.24
47.33
48.76
42,06
47,80
70.74
85.38
79.19
87,85
84,61
65.94
60.04
56.06
54,83
52,65
60.10
113.08
52.65
87,38
50,00
0.27
0.47
46.97
3,74
4,86
74.82
81.06
82.95
84,66
83,48
17.01
19.80
16.27
16,38
17,77
117.39
25.77
56.38
43,61
41,88
-
71.20
74.83
67,58
79,97
61.59
66.13
63.92
67,58
69,26
KMA Mali Sorumluluk
Motor Vehicle TPL
Toplam
Total
(Ödenen Tazminat + Muallak Hasar Karfl›l›¤›) – Devreden Muallak Hasar Karfl›l›¤›
Hasar / Prim Oran› =
( Al›nan Prim + Devreden Cari Riskler Karfl›l›¤›) – Cari Riskler Karfl›l›¤›
Incurred
Losses
Loss Ratio =
(Losses Paid + Reserve for O/S Losses) – Reserve for O/S Losses Brought Forward
=
Earned
Premium
103.502
(Premiums + Reserve for Unexpired Risk Brought Forward) – Reserve for Unexpired Risk
INSURANCE SECTOR
9. Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar Tablosu (YTL)
YATIRIM GEL‹RLER‹
A.) F‹NANSAL YATIRIMLARDAN ELDE ED‹LEN GEL‹RLER
B.) F‹NANSAL YATIRIMLARIN NAKDE ÇEVR‹LMES‹NDEN ELDE ED‹LEN KARLAR
C.) F‹NANSAL YATIRIMLARIN DE⁄ERLEMES‹
D.) KAMB‹YO KARLARI
E.) ‹fiT‹RAKLERDEN GEL‹RLER
F.) BA⁄LI ORTAKLIKLAR VE MÜfiTEREK YÖNET‹ME TAB‹ TEfiEBBÜSLERDEN GEL‹RLER
G.) ARAZ‹, ARSA ‹LE B‹NALARDAN ELDE ED‹LEN GEL‹RLER
H.) TÜREV ÜRÜNLERDEN ELDE ED‹LEN GEL‹RLER
I.) D‹⁄ER YATIRIMLAR
J.) HAYAT TEKN‹K BÖLÜMÜNDEN AKTARILAN YATIRIM GEL‹RLER‹
YATIRIM G‹DERLER‹
A.) YATIRIM YÖNET‹M G‹DERLER‹ – FA‹Z DAH‹L (-)
B.) YATIRIMLAR DE⁄ER AZALIfiLARI (-)
C.) YATIRIMLARIN NAKTE ÇEVR‹LMES‹ SONUCUNDA OLUfiAN ZARARLAR (-)
D.) HAYAT DIfiI TEKN‹K BÖLÜMÜNE AKTARILAN YATIRIM GEL‹RLER‹ (-)
E.) TÜREV ÜRÜNLER SONUCUNDA OLUfiAN ZARARLAR (-)
F.) KAMB‹YO ZARARLARI (-)
G.) AMORT‹SMAN G‹DERLER‹ (-)
H.) D‹⁄ER YATIRIM G‹DERLER‹ (-)
D‹⁄ER FAAL‹YETLERDEN & OLA⁄ANDIfiI FAAL‹YETLERDEN GEL‹R & KARLAR-G‹DER & ZARARLAR (+/-)
A.) KARfiILIKLAR HESABI (+/-)
B.) REESKONT HESABI (+/-)
C.) ZORUNLU DEPREM S‹GORTASI HESABI (+/-)
D.) ENFLASYON DÜZELTMES‹ HESABI (+/-)
E.) ERTELENM‹fi VERG‹ VARLI⁄I HESABI (+/-)
F.) ERTELENM‹fi VERG‹ YÜKÜMLÜLÜ⁄Ü G‹DER‹ (-)
G.) D‹⁄ER GEL‹R VE KARLAR
H.) D‹⁄ER G‹DER VE ZARARLAR (-)
I.) ÖNCEK‹ YIL GEL‹R VE KARLARI
J.) ÖNCEK‹ YIL G‹DER VE ZARARLARI(-)
NET DÖNEM KARI VEYA ZARARI
A.) NET TEKN‹K KAR
B.) YATIRIM GEL‹RLER‹
C.) YATIRIM G‹DERLER‹ (-)
D.) D‹⁄ER ZARARLAR (-)
E.) ENFLASYON DÜZELTME HESABI
F.) BRÜT DÖNEM KARI (vergi öncesi)
G.) VERG‹ VE D‹⁄ER YÜKÜMLÜLÜKLER (-)
H.) NET DÖNEM KARI
Hayat ve Emeklilik
fiirketleri
Toplam
Genel Toplam
571,180,876
311,091,124
26,736,034
54,555,643
78,512,715
82,953,200
1,366,560
13,759,842
1,668,055
421,787
115,915
289,058,137
4,213,642
1,882,166
7,979,753
157,958,400
200,222
68,923,586
46,859,975
1,040,394
-108,506,951
-112,429,093
-5,277,891
409,852
-314
181,378
216,190
38,965,662
28,781,254
590,638
1,949,740
173,615,788
196,520,211
73,889,729
55,011,079
33,285,699
5,523,778
3,385,011
1,752,743
4,708,376
225,271
574,426
18,164,098
41,936,473
2,979,881
2,768,972
6,206,837
7,471,546
0
5,295,684
16,484,585
728,968
-42,332,168
-20,913,645
10,463
0
0
2,915,472
29,241
16,592,369
28,545,776
332,786
12,694,597
112,251,569
767,701,087
384,980,853
81,747,114
87,841,342
84,036,493
86,338,211
3,119,303
18,468,218
1,893,326
996,214
18,280,013
330,994,610
7,193,523
4,651,138
14,186,590
165,429,946
200,222
74,219,270
63,344,560
1,769,362
-150,839,119
-133,342,738
-5,267,427
409,852
-314
3,096,850
245,430
55,558,030
57,327,030
923,424
14,644,336
285,867,357
119,785,082
60,165,145
20,836,388
973,408
23,072,446
5,678,612
0
8,784,737
274,346
0
0
51,591,361
17,634,735
0
2,695,362
22,200,069
0
6,798,863
2,262,333
0
-7,834,063
-631,705
0
0
0
0
0
71,364
7,273,722
0
0
60,359,658
887,486,169
445,145,998
102,583,502
88,814,750
107,108,939
92,016,823
3,119,303
27,252,956
2,167,672
996,214
18,280,013
382,585,971
24,828,258
4,651,138
16,881,952
187,630,015
200,222
81,018,133
65,606,892
1,769,362
-158,673,182
-133,974,444
-5,267,427
409,852
-314
3,096,850
245,430
55,629,394
64,600,752
923,424
14,644,336
346,227,015
30,424,941
571,180,876
289,058,137
108,506,951
0
204,040,729
51,273,783
152,766,945
-5,372,249
196,520,211
41,936,473
42,332,168
0
106,879,321
29,147,435
77,731,886
25,052,692
767,701,087
330,994,610
150,839,119
0
310,920,049
80,421,218
230,498,831
4,715,987
119,785,082
51,591,361
7,834,063
0
65,075,645
16,662,510
48,413,135
29,768,679
887,486,169
382,585,971
158,673,182
0
375,995,695
97,083,728
278,911,966
9. Consolidated Financial Profit / Loss Accounts of Insurance and Reinsurance Companies (TRY)
Non-Life Companies
INVESTMENT INCOME
A.) INCOME FROM FINANCIAL INVESTMENTS
B.) INCOME FROM THE CONVERSION OF FINANCIAL INVESTMENTS INTO CASH
C.) VALUATION OF FINANCIAL INVESTMENTS
D.) PROFIT ON EXCHANGE
E.) INCOME FROM PARTICIPATIONS
F.) INCOME FROM AFFILIATES AND ENTERPRISES SUBJECT TO JOINT MANAGEMENT
G.) INCOME FROM LANDS, BUILDING SITES AND BUILDINGS
H.) INCOME FROM DERIVATIVES
I.) OTHER INVESTMENTS
J.) INVESTMENT INCOME TRANSFERRED FROM LIFE TECHNICAL SECTION
INVESTMENT EXPENSE
A.) INVESTMENT ADMINISTRATION COST - INCLUDING INTEREST (-)
B.) DEPRECIATION IN THE VALUE OF INVESTMENTS (-)
C.) LOSS ARISING FROM THE CONVERSION OF THE INVESTMENTS INTO CASH
D.) INVESTMENT INCOME TRANSFERRED TO NON-LIFE TECHNICAL SECTION (-)
E.) LOSS FROM DERIVATIVES (-)
F.) LOSS ON EXCHANGE(-)
G.) AMORTISATION COSTS (-)
H.) OTHER INVESTMENT EXPENSE(-)
PROFIT& LOSS ARISING FROM OTHER OPERATIONS (+/-)
A.) RESERVE ACCOUNTS (+/-)
B.) DISCOUNT ACCOUNT (+/-)
C.) COMPULSORY EARTHQUAKE INSURANCE ACCOUNT (+/-)
D.) INFLATION ADJUSTMENT ACCOUNT (+/-)
E.) DEFERRED TAX HOLDING ACCOUNT (+/-)
F.) DEFERRED TAX LIABILITY COST (-)
G.) OTHER INCOME AND PROFITS
H.) OTHER EXPENSE AND LOSSES (-)
I.) INCOME AND PROFITS FROM THE PREVIOUS PERIOD
J.) EXPENSE AND LOSSES FROM THE PREVIOUS PERIOD
NET PROFIT OR LOSS FOR THE PERIOD
A.) NET TECHNICAL PROFIT
B.) INVESTMENT INCOMES
C.) INVESTMENT EXPENSE (-)
D.) OTHER LOSSES (-)
E.) INFLATION ADJUSTMENT ACCOUNT
F.) GROSS PROFIT FOR THE PERIOD (pre-tax)
G.) TAXES AND OTHER LIABILITIES (-)
H.) NET PROFIT FOR THE PERIOD
Life and Pension
Companies
Total
Reinsurance
Companies
General Total
571,180,876
311,091,124
26,736,034
54,555,643
78,512,715
82,953,200
1,366,560
13,759,842
1,668,055
421,787
115,915
289,058,137
4,213,642
1,882,166
7,979,753
157,958,400
200,222
68,923,586
46,859,975
1,040,394
-108,506,951
-112,429,093
-5,277,891
409,852
-314
181,378
216,190
38,965,662
28,781,254
590,638
1,949,740
173,615,788
196,520,211
73,889,729
55,011,079
33,285,699
5,523,778
3,385,011
1,752,743
4,708,376
225,271
574,426
18,164,098
41,936,473
2,979,881
2,768,972
6,206,837
7,471,546
0
5,295,684
16,484,585
728,968
-42,332,168
-20,913,645
10,463
0
0
2,915,472
29,241
16,592,369
28,545,776
332,786
12,694,597
112,251,569
767,701,087
384,980,853
81,747,114
87,841,342
84,036,493
86,338,211
3,119,303
18,468,218
1,893,326
996,214
18,280,013
330,994,610
7,193,523
4,651,138
14,186,590
165,429,946
200,222
74,219,270
63,344,560
1,769,362
-150,839,119
-133,342,738
-5,267,427
409,852
-314
3,096,850
245,430
55,558,030
57,327,030
923,424
14,644,336
285,867,357
119,785,082
60,165,145
20,836,388
973,408
23,072,446
5,678,612
0
8,784,737
274,346
0
0
51,591,361
17,634,735
0
2,695,362
22,200,069
0
6,798,863
2,262,333
0
-7,834,063
-631,705
0
0
0
0
0
71,364
7,273,722
0
0
60,359,658
887,486,169
445,145,998
102,583,502
88,814,750
107,108,939
92,016,823
3,119,303
27,252,956
2,167,672
996,214
18,280,013
382,585,971
24,828,258
4,651,138
16,881,952
187,630,015
200,222
81,018,133
65,606,892
1,769,362
-158,673,182
-133,974,444
-5,267,427
409,852
-314
3,096,850
245,430
55,629,394
64,600,752
923,424
14,644,336
346,227,015
30,424,941
571,180,876
289,058,137
108,506,951
0
204,040,729
51,273,783
152,766,945
-5,372,249
196,520,211
41,936,473
42,332,168
0
106,879,321
29,147,435
77,731,886
25,052,692
767,701,087
330,994,610
150,839,119
0
310,920,049
80,421,218
230,498,831
4,715,987
119,785,082
51,591,361
7,834,063
0
65,075,645
16,662,510
48,413,135
29,768,679
887,486,169
382,585,971
158,673,182
0
375,995,695
97,083,728
278,911,966
57
INSURANCE SECTOR
10. Sigorta ve Reasürans fiirketlerinin
Özkaynaklar› (000 YTL)
10. Equity Capital of Insurance and Reinsurance
Companies (000 TRY)
ÖZKAYNAKLAR
EQUITY CAPITAL
2002
Ödenmifl Sermaye
859.462
Paid-in Capital
Sermaye Düzeltme Farklar›
Capital Adjustment Differences
Sermaye Yedekleri
Capital Reserves
Kanuni Yedek Akçe
68.242
Legal Reserve Fund
Çeflitli Yedek Akçeler
158.409
Various Reserve Fund
Finansal Varl›klar›n De¤erlemesi
Valuation of Financial Assets
Deprem Hasar Karfl›l›¤› *
214.521
Earthquake Loss Reserve*
Yeniden De¤erleme Fonu
226.139
Revaluation Fund
Geçmifl Y›l K/Z Fark›
Profit&Loss for the Previos Period
Bilanço Kar›
339.028
Profit for the Year
Toplam / Total
1.865.800
%
46,06
2003
1.223.785
%
49,02
2004
1.483.886
%
50,64
2005
2006
%
%
2.430.034
42,51
2.859.906
47,03
1.090.569
19,08
622.980
10,25
119.109
2,08
53.631
0,88
3,66
96.224
3,85
122.768
4,19
342.412
5,99
278.185
4,57
8,49
285.111
11,42
369.375
12,60
615.598
10,77
688.291
11,32
1.239.493
21,68
1.177.529
19,36
11,50
295.356
11,83
378.259
12,91
402.800
7,05
501.042
8,24
12,12
242.031
9,69
197.845
6,75
-
-
-
0,00
- 909.372
- 15,91
- 379.689
-6,24
18,17
354.242
14,19
378.362
12,91
385.336
6,74
278.912
4,59
100,00
2.496.749
100,00
2.930.495
100,00
5.715.979
100,00
6.080.788
100,00
* 23.03.2006 Tarih ve 26117 say›l› resmi gazetede yay›nlanan Sigorta, Reasürans ile Emeklilik flirketlerinin Sermaye Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine iliflkin
yönetmeli¤in 4’üncü maddesine göre Deprem Hasar karfl›l›¤› Özkaynaklar içerisinde yer al›rken Sigortac›l›k Hesap Plan›na göre di¤er teknik karfl›l›klar içerisindedir.
* According to the Article 4 of the Regulation on Measurement and Evaluation of the Capitalization of Insurance and Reinsurance and Pension Companies published in Official
Gazette dated 23.03.2006, numbered 26117 , Earthquake Loss Reserve is included in Equity Capital while in Uniform Chart of Account, it is included in technical provisions.
11. Sigorta fiirketlerinin Alacaklar›
(Hayat Dahil) (000 YTL)
Alacaklar
Receivables
2002
Sigortal›lar
328.188
Insureds
‹stihsal Organlar›
646.665
Intermediaries
Di¤er
77.896
Others
Toplam Alacaklar
1.052.750
Total Receivables
Toplam Prim
3.718.520
Total Premium
Toplam Alacaklar / Toplam Prim
28,31
Total Receivables/Total Premium
11. Receivables of Insurance Companies
(Including Life) (000 TRY)
%
2003
%
2004
%
2005
%
2006
31,17
359.612
26,16
385.370
21,29
291.938
9,95
354.207
61,43
930.926
67,71
1.286.429
71,07
1.712.636
58,35
2.080.860
69.69
7,40
84.238
6,13
138.209
7,64
930.297
31,70
550.842
18.45
100,00
1.374.776
100,00
1.810.008
100,00
2.934.870
100,00
2.985.909 *
100.00
5.088.125
6.785.793
7.816.434
9.667.541
27,02
26,67
37,55
30.89
* “Emeklilik Faaliyetlerinden Alacaklar” alt›nda yer alan “Saklay›c› flirketten Alacaklar” hesaplar›, emanet hesap niteli¤inde oldu¤undan rakamlara dahil edilmemifltir.
* “Receivables From Trustee Company” under the account “Receivables From Pension Activities” is not included.
%
11.86
INSURANCE SECTOR
12. Sigorta fiirketlerinin Toplam Prim – Genel Gider
Teknik Kar ve Bilanço Kar› ‹liflkisi (000 YTL)
12. Relations Between Total Premiums – General Expenditures
Technical Profit – Balance Sheet Profit (000 TRY)
Genel Giderler
General Expenditures
Toplam Prim
Total Premium
Teknik Kar
Technical Profit
Bilanço Kar›
Balance Sheet Profit
Genel Gider / Toplam Prim (%)
General Expenditures / Total Premium (%)
Teknik Kar / Bilanço Kar› (%)
Technical Profit / Balance sheet Profit (%)
Teknik Kar / Toplam Prim /%)
Technical Profit / Total Premium (%)
2002
2003
2004
2005
2006
458.263
573.319
705.649
962.127
1.049.22
3.718.520
5.088.125
6.785.793
7.816.434
9.667.541
443.859
391.961
659.783
155.652
25.053
317.531
354.272
378.362
348.415
230.499
12,32
11,27
10,40
12,31
10.99
139,78
110,64
174,38
44,67
8.98
11,94
7,70
9,72
1,99
0.26
59
INSURANCE SECTOR
13. 31.12.2006 ‹tibar› ile fiirketlere ve
Branfllara Göre Prim Gelirleri (000 YTL)
13. Premium Income by Company and Branch as of
31.12.2006 (000 TRY)
fiirket Ad›
Name of Company
Ac›badem Sagl›k ve Hayat
Aig
Ak Emeklilik
Aksigorta
American Life
Anadolu
Anadolu Hayat Emeklilik
Ankara
Ankara Emeklilik
Aviva
Aviva Hayat ve Emeklilik
Axa Oyak
Axa Oyak Hayat
Baflak Groupama
Baflak Groupama Emeklilik
Bat›
Birlik
Birlik Hayat
Demir
Demir Hayat
New Life Yaflam
Fortis Emeklilik ve Hayat
Finans
Garanti
Garanti Emeklilik
Genel Yasam
Generali
Global Hayat
Günefl
Güven
Güven Hayat
Hür
Inter
Ifl›k
HDI
Ergo Isviçre
Ergo Isviçre Hayat
Koç Allianz
Koç Allianz Hayat ve Emeklilik
Magdeburger
Merkez
Ray
Rumeli
Rumeli Hayat
fieker
T.Genel
T.Nippon
Teb
Ticaret
Toprak
Vak›f Emeklilik
Yap› Kredi
Yap› Kredi Emeklilik
Toplam / Total
Milli Reasurans
Genel Toplam / General Total
Yang›n
Fire
14,413
129,272
226,935
30,158
58,351
223,775
88,745
1
19,970
41,936
82,591
19,558
110,537
22,394
2,945
20,120
9,558
85,692
160,010
0
44,000
12,430
53,533
36,511
204
395
89,309
1,583,343
225,345
1,808,688
Nakliyat
Marine
17,422
23,381
52,585
3,081
10,790
32,205
20,849
4
931
6,558
24,244
4,115
20,723
4,613
224
2,128
1,712
30,916
35,549
0
17,337
1,056
12,698
9,588
51
38
13,460
346,257
38,213
384,470
Kaza
Accident
18,622
303,592
450,443
85,353
57,969
443,717
164,120
0
60,330
81,010
144,191
25,952
179,076
75,262
9,265
30,564
58,479
214,013
236,896
0
120,256
62,733
77,708
35,027
34
1,983
162,092
3,098,688
266,355
3,365,043
Mühendislik
Engineering
5,835
25,748
52,312
7,453
15,427
36,823
23,696
15
4,017
17,664
38,572
2,389
38,615
2,718
153
5,249
3,641
14,384
39,476
0
18,348
7,013
31,589
15,484
80
24
23,958
430,684
64,376
495,060
Tar›m
Agriculture
2,486
473
2,362
756
16,980
240
2,178
17,386
20
14
4,464
2,328
118
3,971
191
5
393
54,365
2,382
56,747
Sa¤l›k
Health
54,605
4,537
60,720
15,240
119,812
1,381
1,597
49,498
55,407
0
1,088
20,562
19,365
58,245
135
769
28,016
5,193
822
1,762
39,624
196,686
0
383
181
13,664
5,504
29
229,211
984,034
120,465
1,104,499
Hukuksal Koruma
Legal Protection
6,539
2,047
3,939
803
3,646
1,320
421
355
362
1,414
12
18
1,669
2,293
1,307
285
0
724
27,152
272
27,424
INSURANCE SECTOR
13. 31.12.2006 ‹tibar› ile fiirketlere ve
Branfllara Göre Primler (000 YTL)
13. Premium Income by Company and Branch as of
31.12.2006 (000 TRY)
Ferdi Kaza
Personal Accident
433
49,673
677
14,018
9,144
35,616
250
5,820
269
2,568
18,142
7,145
8,178
778
0
3,049
28
990
390
18,221
30,473
3
174
1,451
76
8,523
3,081
500
586
2,727
1,438
11,834
702
26,566
540
0
5,201
20
6,528
4,641
9,423
7
Kredi
Credit
59
577
1
5,919
106
1,655
2
0
69
-
KMA Mali Sorumluluk
Motor Vehicles TPL
5,095
105,909
117,468
58,569
38,890
184,098
73,851
2
23,117
47,214
17,629
15,162
123,232
68,203
34,979
23,746
39,066
163,408
77,721
0
55,774
38,625
73,393
3,893
15
2,141
Non-Life Total
55,038
122,195
677
667,171
24,384
1,060,160
250
194,978
269
183,995
944,759
56,644
453,146
778
21
112,503
28
21,551
390
213,024
363,579
3
58,419
69,123
845
512,419
193,658
5,692
48,153
85,388
115,689
526,380
40,325
779,181
540
0
262,726
20
132,538
267,417
115,715
425
Hayat
Life
9,348
60,641
1,554
58,783
340,536
10,292
131,471
70,572
183,573
33,490
7,293
25,470
98,600
23,816
7
2,396
874
16,329
24,342
87,362
1,053
648
-
4,649
-
Genel Toplam
General Total
64,386
122,195
61,318
668,725
83,168
1,060,160
340,787
194,978
10,561
183,995
131,471
944,759
127,215
453,146
184,351
21
112,503
33,518
28,844
25,860
213,024
363,579
98,603
82,235
69,131
3,241
513,293
193,658
22,021
48,153
85,388
115,689
526,380
64,668
779,181
87,902
0
262,726
1,072
133,186
267,417
115,715
425
4,649
593
-
-
593
85,506
86,100
8,327
-
57,984
585,459
-
585,459
840
299,710
9,139
308,850
8,321
42
8,364
1,449,185
110,754
1,559,939
840
8,281,739
837,345
9,119,084
111,845
1,385,801
16,084
1,401,885
112,685
9,667,541
853,429
10,520,970
61
YASAL DÜZENLEMELER
VE
AVRUPA B‹RL‹⁄‹
MEVZUATINA
UYUM ÇALIfiMALARI
LEGISLATION
AND
HARMONIZATION WITH
THE ACQUIS
COMMUNAUTAIRE
63
1. MEVZUATA ‹L‹fiK‹N ÇALIfiMALAR
1. ACTIVITIES IN THE LEGISLATIVE FIELD
1.1. S‹GORTACILIK KANUNU TASARISI
1.1. DRAFT INSURANCE LAW
2006 y›l›nda Birli¤in yasal düzenlemelere iliflkin çal›flmalar› artarak
devam etmifltir. Bilindi¤i üzere 01.06.1994 tarih ve 3991 say›l› Yetki
Yasas›na dayan›larak ç›kar›lan ve 7397 say›l› Sigorta Murakabe
Kanunu’nda de¤ifliklik yapan 539 say›l› KHK’nin mezkur yetki
yasas›n›n 29.10.1994 gün ve 1994/68–80 say›l› Anayasa Mahkemesi
karar›yla iptal edilmesi sonucunda ortaya ç›kan boflluk halen
giderilememifltir. Bu çerçevede uzun zamandan beri üzerinde çal›fl›lan
Sigortac›l›k Kanunu Tasar›s›’na iliflkin çal›flmalar, geçti¤imiz y›l da
sürdürülmüfltür. Esas komisyon olan ve ilgili çal›flmalar›na Birli¤imizin
de kat›ld›¤› TBMM Sanayi, Ticaret, Enerji, Tabii Kaynaklar, Bilgi
ve Teknoloji Komisyonu Tasar›ya iliflkin çal›flmalar›n› 27.02.2007
tarihinde tamamlam›flt›r. Tasar› halen TBMM Genel Kurul
gündeminde bulunmaktad›r.
Efforts of the Association relating to legal regulations increasingly
continued in 2006. The loophole that occurred when the Authority
Code dated 1 June 1994 and Number 3991 which allowed the issuance
of Decree Law Number 539 amending the Insurance Supervision Law
Number 7397 was revoked by the Constitutional Court with the decision
dated 29.10.1994 and number 1994/68–80 has not yet been filled.
Within this framework, the efforts relating to the Draft Insurance Code,
which we have been working on for a long period of time and which
has not been enacted yet continued during the previous year. The
principal commission of TBMM (Turkish Grand National Assembly)
the Industry, Trade, Energy, Natural Resources, Information and
Technology Commission, inwhich the Association took part in relevant
efforts, completed its work relating to the Draft on 27.02.2007. The
draft is still on agenda of TBMM General Assembly.
1.2. TÜRK T‹CARET KANUNU TASARISI
Avrupa Birli¤i’ne uyum ve de¤iflen ihtiyaçlar göz önüne al›narak
haz›rlanan ve alt›nc› kitab› “Sigorta Hukuku” bafll›¤›n› tafl›yan, Türk
Ticaret Kanunu Tasar›s›’na iliflkin çal›flmalar geçti¤imiz y›l içinde
de sürdürülmüfltür. Tasar›n›n, 09.11.2005 tarihinde TBMM
Baflkanl›¤›na sunulmas›n›n ard›ndan, esas komisyon olan Adalet
Komisyonu bünyesinde oluflturulan alt komisyon 40’tan fazla toplant›
gerçeklefltirerek bir rapor haz›rlam›flt›r. Daha sonra Tasar›, Adalet
Komisyonunda ele al›nm›fl ve Komisyon çal›flmalar› 18.04.2007
tarihinde gerçeklefltirilen toplant› ile tamamlanm›flt›r. Adalet
Komisyonu taraf›ndan gerçeklefltirilen çal›flmalara Birli¤imiz de
kat›l›m sa¤lam›flt›r. Komisyonun raporunu sunmas›n› takiben,
Tasar›n›n TBMM Genel Kurulu’na sevk edilmesi beklenmektedir.
1.3. KURUMLAR VERG‹S‹ KANUNU
Yeni Kurumlar Vergisi Kanunu, 21.06.2006 tarih ve 26205 say›l›
Resmi Gazete’de yay›mlanm›flt›r. Kanunun “‹ndirilecek giderler”
bafll›kl› 8 inci maddesi sigorta teknik karfl›l›klar›n›n kurum kazanc›n›n
tespitinde has›lattan indirimine, “Yurt içinde kesilen vergilerin
mahsubu” bafll›kl› 34 üncü maddesi ise hayat sigorta flirketlerinde
matematik karfl›l›klar›n yat›r›ma yönlendirilmesinden elde edilen
kazanç ve iratlar üzerinden yap›lan kesintilerin kurumlar vergisinden
mahsubuna iliflkin düzenlemeler getirmektedir.
1.4. KONUT F‹NANSMANI KANUNU
1.2. DRAFT TURKISH COMMERCIAL CODE
Efforts relating to Turkish Commercial Code Draft prepared taking
into account the harmonization with EU and the changing needs and
the sixth book of which has the title of “Insurance Law” has been
continued last year. After the draft has been submitted to the
Chairmanship of TBMM on 09.11.2005, the sub-commission constituted
within the structure of the principal commission, Commission of
Justice, met for more than 40 times and prepared a report. Then the
Draft was discussed in the Commission of Justice which completed
its work with the meeting held on 18.04.2007. The Association
contributed to the efforts of the Commission of Justice. It is anticipated
that the Draft shall be submitted to TBMM General Assembly following
the preparation of final report by the Commission.
1.3. CORPORATE TAX LAW
The new Corporate Tax Law was published on the Official Gazette
dated 21.06.2006 and number 26205. Article 8 of the Law “Incomes
to be deducted” provides arrangements relating to the deduction of
the technical provisions for insurance from the proceeds during the
definition of the earnings of the corporation whereas the article 34
“Offset of the taxes deducted domestically” provides arrangements
relating to the setting off the deductions made over the earnings and
revenues obtained from directing the mathematical provisions to the
investment from the corporate tax.
Konut Finansman› Sistemine ‹liflkin Çeflitli Kanunlarda De¤ifliklik
Yap›lmas› Hakk›nda Kanun, 21.02.2007 tarihinde TBMM Genel
Kurulunda kabul edilmifl ve 06.03.2007 tarih ve 26454 say›l› Resmi
Gazete’de yay›mlanm›flt›r. Birli¤imiz, söz konusu Kanuna iliflkin
olarak TBMM Plan ve Bütçe Komisyonu ve bu Komisyon bünyesinde
oluflturulan Konut Finansman› Kanunu Tasar›s› Alt Komisyonu
toplant›lar›na aktif olarak kat›l›m sa¤lam›flt›r. Birli¤imizin görüfllerine
paralel flekilde sigortaya iliflkin olarak, ilgili Kanun’un, 2499 say›l›
Kanunun 38 inci maddesinde de¤ifliklik yapan 12 nci maddesinde,
“Hazine Müsteflarl›¤› konut finansman›na iliflkin sigorta sözleflmeleri
ile ilgili usûl ve esaslar› Türkiye Sigorta ve Reasürans fiirketleri
Birli¤i'nin, Sanayi ve Ticaret Bakanl›¤› ise konut finansman›
kapsam›ndaki kredilerin yeniden finansman›na iliflkin usûl ve esaslar›
Türkiye Bankalar Birli¤inin görüfllerini alarak belirlemeye yetkilidir”
hükmü yer almaktad›r. Kanun’un 6802 say›l› Kanunda de¤ifliklik
yapan 30 uncu maddesi ise “Sermaye Piyasas› Kanununun 38/A
maddesinin birinci f›kras›nda tan›mlanan konut finansman› kapsam›nda
yap›lan sigortalarda sözleflme ve poliçe üzerinden al›nan paralar”›n
BSMV kapsam› d›fl›nda tutuldu¤unu düzenlemektedir.
1.4. LAW ON HOUSING FINANCE (MORTGAGE)
The Law on Amendment of Several Laws relating to the Housing
Finance System was approved in TBMM General Assembly on
21.02.2007, and published on the Official Gazette dated 06.03.2007
and number 26454. The Association actively took part in the meetings
of Sub-commission of the Law on Housing Finance constituted within
the structure of TBMM Planning and Budget Commission with regard
to the said law. In article 12 of the said law amending article 38 of the
Law number 2499 it is provided “That Undersecretariat of Treasury
shall be entitled to define the rules and procedures relating to the
insurance agreements on housing finance by consulting to the
Association of the Insurance and Reinsurance Companies of Turkey
whereas the Ministry of Industry and Finance shall be entitled to define
the rules and procedures relating to re-financing of the loans covered
by housing finance by consulting to the Banks Association of Turkey.
Article 30 of the Law amending the Law number 6802 regulates the
exclusion of the premiums received over the agreement and policy
relating to the insurance provided within the scope of housing finance
defined in the first paragraph of article 38/A of the Capital Market
Board from the scope of BSMV (Banking Insurance Transaction Tax).
1. MEVZUATA ‹L‹fiK‹N ÇALIfiMALAR
1. ACTIVITIES IN THE LEGISLATIVE FIELD
1.5. SOSYAL S‹GORTALAR VE GENEL SA⁄LIK S‹GORTASI
KANUNU
1.5. SOCIAL SECURITY AND GENERAL HEALTH INSURANCE
LAW
Sosyal güvenlik reformu çerçevesinde geçti¤imiz y›llarda yürütülen
çal›flmalar 2006 y›l› içerisinde sonuçlanm›fl ve 5510 say›l› Sosyal
Sigortalar ve Genel Sa¤l›k Sigortas› Kanunu 31.05.2006 tarihinde
kabul edilmifltir. 01.01.2007 tarihinde yürürlü¤e girmesi planlanan
Kanunun baz› maddelerinin iptali için Anayasa Mahkemesi’ne
baflvuruldu¤undan yürürlük tarihi 01.07.2007 olarak de¤ifltirilmifltir.
Efforts exerted during previous years within the framework of social
security reform were concluded in 2006, and the Social Security and
General Health Insurance Law number 5510 was approved on
31.05.2006. Since an application was made to the Constitutional
Court for the cancellation of some articles of the Law which was
planned to enter into effect on 01.01.2007, the effective date was
changed into 01.07.2007.
65
2. D‹⁄ER MEVZUAT GEL‹fiMELER‹
2. OTHER LEGISLATIVE DEVELOPMENTS
2.1. Kanunlar
2.1. Laws
2872 say›l› Çevre Kanunu’nda de¤ifliklik yapan, 5491 say›l›, “Çevre
Kanununda De¤ifliklik Yap›lmas›na Dair Kanun”, 13.05.2006 tarih
ve 26167 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir.
‹lgili Kanun’un 10uncu, 14üncü ve Geçici 1inci maddeleri zorunlu
sigortaya iliflkin düzenlemeler ihtiva etmektedir.
“Law on Amendment of the Environmental Law” number 5491
amending the Environmental Law number 2872 was published on
the Official Gazette dated 13.05.2006 and number 26167 and entered
into effect. Article 10, 14 and Provisional Article 1 of the said Law
include provisions relating to compulsory insurance.
Fikir ve Sanat Eserleri Kanunu, Seyahat Acentalar› ve Seyahat
Acentalar› Birli¤i Kanunu ‹le Turizmi Teflvik Kanunu ve Baz›
Kanunlarda De¤ifliklik Yap›lmas›na Dair Kanun, 13.01.2007 tarih
ve 26402 say›l› Resmi Gazete’de yay›mlanm›flt›r. Kanunun
yay›m›ndan 3 ay sonra yürürlü¤e girecek olan 7nci maddesi ile
"Seyahat Acentalar› ve Seyahat Acentalar› Birli¤i Kanunu"nda
de¤ifliklik yap›larak, zorunlu bir paket tur sigortas› ihdas edilmifltir.
The Law on Amendment of Intellectual and Artistic Works Law,
Law on Travel Agencies and Society of Travel Agencies, and Law
on Encouraging Tourism, and Some Laws were published on the
Official Gazette dated 13.01.2007 and number 26402. By the
amendment of the “Law on Travel Agencies and Society of Travel
Agencies” with article 7 that shall enter into effect 3 months after
the publication of the Law (a compulsory package tour insurance is
imposed.)
2.2. Bakanlar Kurulu Kararlar›
Tar›m Sigortalar› Havuzu taraf›ndan kapsama al›nacak riskler, ürünler
ve bölgeler ile prim deste¤i oranlar›na iliflkin 2006/10105 say›l›
Bakanlar Kurulu Karar›, 28.02.2006 tarih ve 26094 say›l› Resmi
Gazete’de yay›mlanm›flt›r.
Tar›m Sigortalar› Havuzuna Devlet Taraf›ndan Taahhüt Edilecek
Hasar Fazlas› Deste¤ine ‹liflkin Karar, 19.10.2006 tarih ve 26324
say›l› Resmi Gazete’de yay›mlanm›flt›r.
Tar›m Sigortalar› Havuzu Taraf›ndan Kapsama Al›nacak Riskler,
Ürünler ve Bölgeler ile Prim Deste¤i Oranlar›na ‹liflkin Karar,
05.01.2007 tarih ve 26394 say›l› Resmi Gazete’de yay›mlanm›flt›r.
Tar›m Sigortalar› Havuzuna Devlet Taraf›ndan Taahhüt Edilecek
Hasar Fazlas› Deste¤ine ‹liflkin Karar, 5.3.2007 tarih ve 26484 say›l›
Resmi Gazete’de yay›mlanm›flt›r.
2.3. Yönetmelikler
Sigorta ve Reasürans fiirketleri ile Bireysel Emeklilik fiirketlerinin
Sermaye Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine ‹liflkin
Yönetmelik, 23.03.2006 tarih ve 26117 say›l› Resmi Gazete’de
yay›mlanm›flt›r.
Sigorta ve Reasürans fiirketlerinin Çal›flma Esas ve Usulleri Hakk›nda
Yönetmeli¤in 34üncü Maddesinde De¤ifliklik Yapan Yönetmelik
Sigorta ve Reasürans Brokerleri Yönetmeli¤inde De¤ifliklik Yap›lmas›
Hakk›nda Yönetmelik, 27.04.2006 tarih ve 26151 say›l› Resmi
Gazete'de yay›mlanm›flt›r.
Türkiye Motorlu Tafl›t Bürosunun Çal›flma Esas ve Usulleri Hakk›nda
Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik, 05.05.2006
tarih ve 26159 say›l› Resmi Gazete’de yay›mlanm›flt›r.
Karayolu Trafik Garanti Sigortas› Hesab› Yönetmeli¤inde De¤ifliklik
Yap›lmas›na Dair Yönetmelik, 23.09.2006 tarih ve 26298 say›l›
Resmî Gazete’de yay›mlanm›flt›r.
2.2. Council of Ministers’ Resolutions
Council of Ministers’ Resolution number 2006/10105 on the risks,
products, and regions to be covered by the Agricultural Insurance
Pool and the premium support rates was published on the Official
Gazette dated 28.02.2006 and number 26094.
Resolution on the Excess of Loss Support to be Undertaken by the
Government for the Agricultural Insurance Pool was published on
the Official Gazette dated 19.10.2006 and number 26324.
Resolution on Risks, Products, and Regions to be Covered by the
Agricultural Insurance Pool and the Premium Support rates was
published on the Official Gazette dated 05.01.2007 and number
26394.
Resolution on the Excess of Loss Support to be Undertaken by the
Government for the Agricultural Insurance Pool was published on
2.3. Regulations
Regulation on the Measurement and Assessment of the Capital
Requirements of the Insurance and Reinsurance Companies and
Private Pension Companies was published on the Official Gazette
dated 23.03.2006 and number 26117.
Regulation amending Article 34 of the Regulation on the Working
Rules and Principles of Insurance and Reinsurance Companies was
26143.
Regulation on the Amendment of the Regulation on Insurance and
Reinsurance Brokers was published on the Official Gazette dated
27.04.2006 and number 26151.
Regulation on the Amendment of the Regulation on the Working
Rules and Principles of Turkish Motor Insurance Bureau was published
on the Official Gazette dated 05.05.2006 and number 26159.
Regulation on the Amendment of the Regulation on the Highway
Traffic Guarantee Insurance Account was published on the Official
F›nd›k Lisansl› Depo Yönetmeli¤i, 02.08.2006 tarih ve 26247 say›l›
Resmi Gazete’de yay›mlanm›flt›r. Yönetmeli¤in 20nci maddesi ile
lisansl› depo iflleticilerine çeflitli risklere karfl› sigorta yapt›rma
zorunlulu¤u getirilmektedir.
Regulation on the Warehouses with Hazelnut License was published
on the Official Gazette dated 02.08.2006 and number 26247. Under
article 20 of the Regulation it is provided that licensed warehouse
operators shall be obliged to have an insurance against several risks.
Deniz Çevresinin Petrol ve Di¤er Zararl› Maddelerle Kirlenmesinde
Acil Durumlarda Müdahale ve Zararlar›n Tazmini Esaslar›na Dair
Kanunun Uygulama Yönetmeli¤i, 21.10.2006 tarih ve 26326 say›l›
Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmeli¤in 41inci
maddesinde k›y› tesislerinin mali sorumluluk garantilerine iliflkin
düzenlemeye yer verilmektedir.
Regulation on the Implementation of the Law on Principles of
Emergency Response and Indemnification of Losses in case of
Pollution of the Sea Surrounding due to Petroleum and Other
Hazardous Substances was published on the Official Gazette dated
21.10.2006 and number 26326. Article 41 of the said Regulation
regulates financial liability guarantees of coastal facilities.
Finansal Holding fiirketleri Hakk›nda Yönetmelik, 01.11.2006 tarih
ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte
Bankac›l›k Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk
sigortas›na iliflkin düzenlemelere yer verilmektedir.
Regulation on the Financial Holding Companies was published on
the Official Gazette dated 01.11.2006 and number 26333. The said
Regulation includes provisions relating to professional liability
insurance upon article 36 of the Banking Law.
Bankalar›n Destek Hizmeti Almalar›na ve Bu Hizmeti Verecek
Kurulufllar›n Yetkilendirilmesine ‹liflkin Yönetmelik, 01.11.2006
tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili
Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden
mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer
verilmektedir.
Regulation on the Banks’ obtaining Outsourcing Services and
Authorization of the Enterprises which Provide such Services was
26333. The said Regulation has provisions relating to professional
liability insurance upon article 36 of the Banking Law.
Derecelendirme Kurulufllar›n›n Yetkilendirilmesine ve Faaliyetlerine
‹liflkin Esaslar Hakk›nda Yönetmelik, 01.11.2006 tarih ve 26333
say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte Bankac›l›k
Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk sigortas›na
iliflkin düzenlemelere yer verilmektedir.
Bankalarda Ba¤›ms›z Denetim Gerçeklefltirecek Kurulufllar›n
Yetkilendirilmesi ve Faaliyetleri Hakk›nda Yönetmelik, 01.11.2006
tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili
Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden
mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer
verilmektedir.
Türkiye Cumhuriyeti S›n›rlar› ‹çinde ‹nifl veya Kalk›fl Yapan Türk
ve Yabanc› Sivil Hava Araçlar› Mali Mesuliyet Sigortas› Hakk›nda
Do¤al Afet Sigortalar› Kurumu Yönetim Kurulu Çal›flma Usul ve
Esaslar› Hakk›nda Yönetmelikte De¤ifliklik Yap›lmas›na Dair
Sigorta Sözleflmelerinde Bilgilendirmeye ‹liflkin Yönetmelik
‹lgili Yönetmeli¤in 13üncü maddesinin (4) numaral› f›kras› 1.12.2007
tarihinde, di¤er maddeleri ise 1.6.2007 tarihinde yürürlü¤e girecektir.
Tar›m Sigortalar› Uygulama Yönetmeli¤inde De¤ifliklik Yap›lmas›na
Dair Yönetmelik, 22.09.2006 tarih ve 26297 say›l› Resmi Gazete’de
Regulation on the Authorization and Activities of Ranking Agencies
was published on the Official Gazette dated 01.11.2006 and number
26333. The said Regulation includes provisions relating to professional
liability insurance upon article 36 of the Banking Law.
Regulation on the Authorization and Activities of the Auditing Firms
which perform inspections independently in the Banks was published
on the Official Gazette dated 01.11.2006 and number 26333. The
said Regulation has provisions relating to professional liability
insurance upon article 36 of the Banking Law.
Regulation on the Financial Liability Insurance for Turkish and
Foreign Civil Aircrafts Landing or Taking off within the borders of
the Republic of Turkey was published on the Official Gazette dated
15.11.2006 and number 26347.
Rules and Principles of the Board of Turkish Catastrophe Insurance
Pool was published on the Official Gazette dated 29.11.2006 and
number 26361.
Regulation on the Information in the Insurance Contracts was
26360. Item (4) of article 13 of the said Regulation shall enter into
force on 01.12.2007 whereas the other articles shall enter into force
on 01.06.2007.
Regulation on the Amendment of the Regulation on Implementation
of Agricultural Insurance was published on the Official Gazette dated
22.09.2006 and number 26297.
67
Tar›m Sigortalar› Havuzu Çal›flma Usul ve Esaslar› Hakk›nda
Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik 22.09.2006
tarih ve 26297 say›l› Resmi Gazete’de yay›mlanm›flt›r.
Rules and Principles of Agricultural Insurance Pool was published
Tar›m Sigortalar› Uygulama Yönetmeli¤inde De¤ifliklik Yap›lmas›na
Dair Yönetmelik, 02.02.2007 tarih ve 26422 say›l› Resmi Gazete’de
yay›mlanarak yürürlü¤e girmifltir.
Regulation on the Amendment of the Regulation on the
Implementation of Agricultural Insurance entered into force having
been published on the Official Gazette dated 02.02.2007 and number
26422.
Trafik Sigortalar› Bilgi Merkezi Yönetmeli¤i, 11.4.2007 tarih ve
26490 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir.
Yönetmelik ile 16.12.2003 tarih ve 25318 say›l› Resmi Gazete’de
yay›mlanan Trafik Sigortas› Bilgi Merkezi Yönetmeli¤i yürürlükten
kald›r›lm›flt›r.
2.4. Tebli¤ler
Sigorta Sözleflmelerine ‹liflkin Türkiye Finansal Raporlama Standard›
(TFRS 4) Hakk›nda Tebli¤, Türkiye Muhasebe Standartlar› Kurulu
(TMSK) taraf›ndan, 25.03.2006 tarih ve 26119 say›l› Resmi Gazete’de
Muhtelif Mali Zararlar Sigortas› Branfl› tesis edilmesine iliflkin tebli¤,
07.09.2006 tarih ve 26282 say›l› Resmi Gazete’de yay›mlanarak
01.10.2006 tarihinde yürürlü¤e girmifltir.
Destek Sigortas› Branfl› tesis edilmesine iliflkin tebli¤, 07.09.2006
tarih ve 26282 say›l› Resmi Gazete’de yay›mlanarak 01.10.2006
Kamu ‹hale Genel Tebli¤inde De¤ifliklik Yap›lmas›na Dair Tebli¤,
15.10.2006 tarih ve 26320 say›l› Resmi Gazete’de yay›mlanarak
18.10.2006 tarihinde yürürlü¤e girmifltir. Tebli¤’de özel güvenlik
hizmet al›m› ihalelerindeki özel güvenlik mali sorumluluk sigortas›
tekliflerine iliflkin düzenlemelere yer verilmektedir.
2.5. Genel fiartlar
Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas›,
Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas›, Özel
Güvenlik Mali Sorumluluk Sigortas› Genel fiartlar› 11.02.2006 tarih
ve 26077 say›l› Resmi Gazete’de yay›mlanm›flt›r.
Seyahat Sa¤l›k Sigortas› Genel fiartlar› 01.03.2006 tarihinde yürürlü¤e
girmifltir.
Mesleki Sorumluluk Sigortas› Genel fiartlar›, 16.03.2006 tarih ve
26110 say›l› Resmi Gazete'de yay›mlanm›flt›r.
Hazine Müsteflarl›¤›’ndan 14.09.2006 tarihinde al›nan yaz›
çerçevesinde, Kara Tafl›tlar› Kasko Sigortas› Genel fiartlar›nda
de¤ifliklik yap›lm›fl olup ilgili de¤ifliklikler 15.09.2006 tarihinden
itibaren yürürlü¤e girmifltir.
Mesleki Sorumluluk Sigortas› Genel fiartlar›na ba¤l› olarak verilmek
üzere haz›rlanan Hekim Mesleki Sorumluluk Sigortas› Klozu,
21.09.2006 tarih ve 26296 say›l› Resmi Gazetede yay›mlanm›flt›r.
Regulation on the Traffic Insurance Information Center entered into
force having been published on the Official Gazette dated 11.4.2007
and number 26490. The Regulation replaced the Regulation on the
Traffic Insurance Information Center published on the Official
2.4. Notices
Notice on the Turkish Financial Reporting Standard (TFRS 4) relating
to Insurance Contracts was published on the Official Gazette dated
25.03.2006 and number 26119 by TMSK (Turkish Accounting
Standards Board).
Notice on establishment of Various Financial Loss Insurance Branch
entered into force on 01.10.2006 having been published on the
Official Gazette dated 07.09.2006 and number 26282.
Notice on establishment of Supporting Insurance Branch entered
into force on 01.10.2006 having been published on the Official
Notice on the Amendment of the General Notice on Public
Procurement entered into force on 18.10.2006 having been published
on the Official Gazette dated 15.10.2006 and number 26320. The
Notice provides arrangements relating to private security financial
liability insurance offerings in the tenders for purchase of private
security services.
2.5. General Conditions
General Conditions of Compulsory Motor Vehicles Liability Insurance,
Compulsory Highway Transport Financial Liability Insurance, Private
Security Financial Liability Insurance were published on the Official
General Conditions of Travel Health Insurance entered into force on
01.03.2006.
General Conditions of Professional Liability Insurance was published
Within the framework of the correspondence delivered by the
Undersecretariat of Treasury on 14.09.2006 the General Conditions
of Casco Insurance were amended; the relevant amendments entered
into force as of 15.09.2006.
Medical Doctors Malpractice Clause prepared to be given in
connection with the General Conditions of Professional Liability
Insurance was published on the Official Gazette dated 21.09.2006
and number 26296.
Kara Tafl›tlar› Kasko Sigortas› Genel fiartlar›nda, Yang›n Sigortas›
Genel fiartlar›nda 01.04.2007 tarihinden geçerli olmak üzere de¤ifliklik
yap›lm›flt›r.
General Conditions of Motor Vehicles Physical Damage Insurance
and General Conditions of Fire Insurance were amended. These
amendments will enter into force as of 1.4.2007.
Y›ll›k Gelir Sigortas› Genel fiartlar›, Hazine Müsteflarl›¤› taraf›ndan,
01.10.2007 tarihinde yürürlü¤e girmek üzere yay›mlanm›flt›r.
General Conditions of Annuity Insurance were published by the
Undersecretariat of Treasury; the same will enter into force on
01.10.2007.
2.6. Tarife ve Talimatlar
Özel Güvenlik Mali Sorumluluk Sigortas› Tarife ve Talimat›
29.03.2006 tarih ve 26123 say›l› Resmi Gazete'de yay›mlanm›flt›r.
Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas›
Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006
Karayolu Yolcu Tafl›mac›l›¤› Zorunlu Koltuk Ferdi Kaza Sigortas›
Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006
Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› Tarife ve
Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih
ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde
yürürlü¤e girmifltir.
Tehlikeli Maddeler Zorunlu Sorumluluk Sigortas› Tarife ve
Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih
ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde
yürürlü¤e girmifltir.
Tüpgaz Zorunlu Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik
Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi
Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir.
Zorunlu Deprem Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan
Tarife ve Talimat, 20.02.2007 tarih ve 26440 say›l› Resmi Gazete’de
yay›mlanarak 22.02.2007 tarihinde yürürlü¤e girmifltir.
Özel Güvenlik Mali Sorumluluk Sigortas› Tarife ve Talimat›nda
De¤ifliklik Yapan Tarife ve Talimat, 27.03.2007 Tarih ve 26475
Say›l› Resmî Gazete’de yay›mlanm›flt›r.
2.6. Tariffs and Instructions
Private Security Financial Liability Insurance Tariffs and Instructions
was published on the Official Gazette dated 29.03.2006 and number
26123.
Tariffs and Instructions amending the Tariffs and Instructions on
Motor Vehicles Compulsory Third Party Liability Insurance entered
into force on 1.1.2007 having been published in the Official Gazette
dated 20.12.2006 and number 26382.
Compulsory Road Passenger Transportation Personal Accident
Insurance entered into force on 1.1.2007 having been published in
Compulsory Third Party Liability Insurance for Road Passenger
Transportation entered into force on 1.1.2007 having been published
in the Official Gazette dated 20.12.2006 and number 26382.
(Compulsory Third party Liability Insurance for Hazardous
Substances) entered into force on 1.1.2007 having been published
in the Official Gazette dated 20.12.2006 and number 26382.
Compulsory Third party Liability Insurance for LPG entered into
force on 1.1.2007 having been published in the Official Gazette dated
20.12.2006 and number 26382.
Compulsory Earthquake Insurance entered into force on 22.02.2007
having been published in the Official Gazette dated 20.02.2007 and
number 26440.
Hazine Müsteflarl›¤›ndan al›nan 23.3.2007 tarih ve 13852 say›l› yaz›
ile Yang›n ve Mühendislik sigortalar›na deprem teminat›n›n eklenmesi
halinde uygulanacak tarifelerde 01.04.2007 tarihinden geçerli olmak
üzere de¤ifliklik yap›lm›flt›r.
Private Security Third Party Liability Insurance was published in
Upon the correspondence of the Undersecretariat of Treasury dated
23.03.2007 and number 13852 the tariffs to apply in the case of
additional earthquake security to the Fire and Engineering insurances
was amended; the same shall be effective as of 01.04.2007.
69
3. HAZ‹NE MÜSTEfiARLI⁄I’NA GÖRÜfi B‹LD‹R‹LEN
BAfiLICA ÇALIfiMALAR
3. WORKS RELATED TO THE REGULATIONS
OF THE UNDERSECRETARIAT OF TREASURY
3.1. Kanunlar
3.1. Laws
Kurumlar Vergisi Kanunu’nun sigortaya iliflkin hükümlerine iliflkin
Birlik görüflü.
Association’s opinion relating to the provisions of the Corporate Tax
Law on insurance
3.2. Yönetmelikler
3.2. Regulations
Sigorta ve Reasürans fiirketlerinin Kurulufl ve Çal›flma Esaslar›
Yönetmeli¤i’nin 27nci maddesinde gerekli de¤iflikli¤in yap›lmas›na
iliflkin Birlik önerisi.
Association’s proposal on the amendment of article 27 of the
Regulation on Establishment and Working Principles of Insurance
and Reassurance Companies as required,
Sigorta ve Reasürans ile Emeklilik fiirketlerinin Sermaye
Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine ‹liflkin
Yönetmelik Tasla¤› hakk›ndaki Birlik görüflü.
Association’s opinion relating to the Draft Regulation on Measurement
and Assessment of Capital Requirements of Insurance and Reassurance
and Pension Companies,
Trafik Sigortalar› Bilgi Merkezi Yönetmeli¤i Tasla¤›na iliflkin Birlik
görüflü.
Association’s opinion relating to the Draft Regulation on Traffic
Insurance Information Center,
Türkiye Motorlu Tafl›t Bürosunun Çal›flma Esas ve Usulleri Hakk›nda
Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik Tasla¤›
hakk›ndaki Birlik görüflü.
Association’s opinion relating to the Draft Regulation on Amendment
of the Regulation on Working Rules and Principles of Turkish Motor
Vehicle Office,
Türkiye S›n›rlar› ‹çinde ‹nifl veya Kalk›fl Yapan Türk ve Yabanc›
Sivil Hava Araçlar› Mali Mesuliyet Sigortas› Hakk›nda Yönetmelik
Tasla¤› hakk›ndaki Birlik görüflü.
Association’s opinion relating to the Draft Regulation on the Financial
Liability Insurance for Turkish and Foreign Civil Aerial Vehicles
Landing or Departing within the borders of the Republic of Turkey,
Bankalarda Ba¤›ms›z Denetim Gerçeklefltirecek Kurulufllar›n
Yetkilendirilmesi ve Faaliyetleri Hakk›ndaki Yönetmelik Tasla¤›na
iliflkin Birlik görüflü.
Association’s opinion relating to the Draft Regulation on the
Authorization and Activities of the Establishments to perform
Independent Audit in the Banks,
Sigortal›lar› Bilgilendirme Yönetmeli¤i Tasla¤› ve Bilgilendirme
Formuna iliflkin Birlik görüflü.
Association’s opinion relating to the Draft Resolution on Information
of the Insured and Information Form,
Sigorta ve Reasürans fiirketlerinin Teknik Karfl›l›klar›na ve Bu
Karfl›l›klar›n Yat›r›laca¤› Varl›klara ‹liflkin Yönetmelik Tasla¤›na
iliflkin Birlik görüflü.
Association’s opinion relating to the Draft Resolution on Technical
Provisions of Insurance and Reassurance Companies and Assets such
Provisions shall be invested on,
Y›ll›k Gelir Sigortalar› Hakk›nda Yönetmelik Tasla¤›na iliflkin Birlik
görüflü.
Association’s opinion relating to the Draft Resolution on Annuity
Certain.
3.3. Tebli¤ler
3.3. Notices
Enerji Piyasas› Düzenleme Kurumu (EPDK) taraf›ndan haz›rlanan
ve yürürlü¤e giren Petrol Piyasas›nda Petrol Yükümlülükleri Hakk›nda
Tebli¤’in sigortac›l›¤› ilgilendiren maddeleri hakk›ndaki Birlik görüflü.
Association’s opinion relating to the articles regarding underwriting
business of the Notice on Obligations pertaining to Petroleum in the
Petroleum Market which entered into effect as prepared by the Energy
Market Regulatory Authority (EMRA),
Sigorta ve Reasürans fiirketlerinin Mali Bünyelerine ve Sermaye
Yeterliliklerine ‹liflkin Genelge ekinde yap›lan de¤iflikliklerle ilgili
Birlik görüflü.
3.4. Genel fiartlar
Özel güvenlik flirketi elemanlar›n›n görevlerini yerine getirmeleri
s›ras›nda kusurlar› nedeniyle hizmet verilen iflyerlerinde meydana
gelen zararlar›n Özel Güvenlik Mali Sorumluluk Sigortas› kapsam›nda
tazmin edilip edilmeyece¤i hususundaki Birlik görüflü.
Mesleki Sorumluluk Sigortas› Genel fiartlar› Tasar›s› hakk›ndaki
Birlik görüflü.
Baz› sigorta genel flartlar›nda de¤ifliklik yap›lmas›na iliflkin Birlik
görüflü.
Association’s opinion relating to the amendments made in the
appendix of the Notice on Financial Structures and Capital
Requirements of Insurance and Reassurance Companies.
3.4. General Conditions
Association’s opinion relating to whether the damages occurred in
the workplaces rendering service due to the negligence of the private
security company’s personnel while performing their duties could
be indemnified within the scope of the Private Security Financial
Liability Insurance,
Association’s opinion relating to Draft General Conditions of
Professional Liability Insurance,
Association’s opinion relating to amendment of some general
conditions of insurance,
3. HAZ‹NE MÜSTEfiARLI⁄I’NA GÖRÜfi B‹LD‹R‹LEN
BAfiLICA ÇALIfiMALAR
3. WORKS RELATED TO THE REGULATIONS
OF THE UNDERSECRETARIAT OF TREASURY
Baz› genel flartlar›n ilgili maddelerine terörizm riski ve terörist
sald›r›lar neticesinde meydana gelebilecek olan biyolojik ve/veya
kimyasal zararlar›n teminat kapsam› d›fl›nda tutulmas› amac›yla
yap›lacak de¤ifliklik hakk›ndaki Birlik görüflü.
Association’s opinion relating to the amendment to be made in
relevant articles of some general conditions for the purpose of
excluding of any biological and/or chemical loss that may occur as
a result of terrorism and terrorist attacks from the assurance coverage,
K›y› Tesisleri Deniz Kirlili¤i Zorunlu Mali Sorumluluk Sigortas›
Genel fiartlar› Tasla¤› hakk›ndaki Birlik görüflü.
Association’s opinion relating to the Draft General Conditions of
Coastal Facilities Sea Pollution Compulsory Financial Liability
Insurance,
Hekim Mesleki Sorumluluk Sigortas› Kloz Tasla¤›na iliflkin Birlik
görüflü.
Yang›na Ba¤l› Kar Kayb› Sigortas› Genel fiartlar›n›n revize edilmesine
iliflkin Birlik önerisi.
Yang›n Sigortas› ile birlikte verildi¤i takdirde poliçeye eklenecek
klozlardan baz›lar›nda yap›lmas› düflünülen de¤iflikliklere iliflkin
Birlik önerisi.
‹potekli Konut Kredi Ödeme Sigortas› Genel fiartlar› Tasla¤›na iliflkin
Birlik görüflü.
3.5. Tarife ve Talimatlar
Yang›n Sigortas›na Deprem ve Yanarda¤ Püskürmesi Teminat›n›n
Eklenmesi Halinde Uygulanacak Tarife hakk›ndaki Birlik de¤ifliklik
önerisi.
Trafik Sigortas› Tarifesine iliflkin Birlik görüflleri.
3.6. Di¤er
Avrasya Sigortac›lar Birli¤i Ana Sözleflmesi tasla¤›na iliflkin Birlik
görüflü.
Hayat Sigortalar›nda mevzuat düzenlemeleri, vergi uygulamalar› ve
yaflanan sorunlara iliflkin Birlik görüflleri.
Zorunlu Deprem Sigortas› Tarife ve Talimat›nda belirtilen teflvik
komisyonu uygulamas›na banka flubelerinin de dahil edilip
edilmeyece¤ine iliflkin Birlik görüflü.
Association’s opinion relating to the Draft Medical Doctors
Malpractice Clause for Professional Liability Insurance,
Association’s opinion relating to the revision of the General Conditions
of Fire-related Loss of Profit Insurance,
Association’s opinion relating to the amendments considered to be
made in some of the clauses to be added to the policy in case it is
given along with the Fire Insurance,
Association’s opinion relating to the Draft General Conditions of
Mortgage Payment Protection Insurance.
3.5. Tariffs and Instructions
Association’s proposal for amendment relating to the Tariff to apply
in case of the addition of the Earthquake and Volcano Eruption
Coverage to the Fire Insurance,
Association’s opinions relating to the Traffic Insurance Tariff.
3.6. Miscellaneous
Association’s opinion relating to the draft Charter of Eurasian Insurers
Association,
Association’s opinions relating to the legal regulations, tax practices
and problems faced within Life Insurances,
Association’s opinion relating to whether the bank branches shall be
included in the incentive commission practice specified in the Tariffs
and Instructions on Compulsory Earthquake Insurance.
71
4. D‹⁄ER ÇALIfiMALAR
4. OTHER WORKS
4.1. Sigortac›l›k Etik ‹lkeleri
4.1. Code of Ethics for the Insurance Sector
Birli¤imiz taraf›ndan 2006 y›l›nda sürdürülen çal›flmalar sonucunda
haz›rlanan sigorta ve reasürans flirketlerinin, müflterileri, çal›flanlar›,
arac›lar›, kamu kurum ve kurulufllar› ile olan iliflkilerinde ve kendi
aralar›ndaki iliflkilerde izleyecekleri etik ilkeleri belirlemek ve bu
ilkeler çerçevesinde sektöre yönelik mevcut kamuoyu güvenini daha
da artt›rmay› amaçlayan “Sigortac›l›k Etik ‹lkeleri”, Yönetim
Kurulumuzun 18 Ocak 2007 tarihli toplant›s›nda alm›fl oldu¤u karar
ile kabul edilerek üyelerimizle paylafl›lm›fl ve üyelerimizden söz
konusu ilkelere uyum konusunda gerekli özeni göstermeleri istenmifltir.
A Code of Ethics was prepared as a result of the works carried out
by the Association in 2006. The Code defines the ethical principles
that the insurance and reinsurance companies shall follow in respect
with their relationships with their clients, personnel, intermediaries,
public authorities and one another. The main aim of the Code is to
increase current public confidence to the insurance sector in general.
The Code was approved by the resolution adopted in the Board of
Directors’ meeting of the Association dated 18/01/2007 and the
members were asked to take care to act according to the said Code.
4.2. Mortgage ve Mortgage Sigorta Ürünlerine ‹liflkin Çal›flmalar
4.2. Works relating to Mortgage and Mortgage Insurance
Products
2006 y›l›nda Birli¤imizin konut finansman› (mortgage) sistemi ve
önümüzdeki dönemde sistemde ihtiyaç duyulabilecek sigorta ürünlerini
tespit etmeye yönelik çal›flmalar› devam etmifltir. Bu kapsamda,
Hazine Müsteflarl›¤› yetkilileriyle çal›flma toplant›lar›
gerçeklefltirilmesinin yan›nda, di¤er ülkelerdeki sigorta uygulamalar›n›
incelemek amac›yla yap›lan inceleme ve araflt›rmalar sürdürülmüfl,
sektörümüze yönelik iki adet toplant› gerçeklefltirilerek toplant›
kitaplar› haz›rlanm›fl ve “Mortgage ve Mortgage Sigortalar›” isimli
bir kitap çal›flmas› yap›lm›flt›r.
4.2.1. Mortgage Toplant›lar›
Birli¤imiz taraf›ndan mortgage sistemini ve sistemde sigortan›n
rolünü tart›flmak üzere 8 fiubat 2006 tarihinde “Mortgage Sigorta
Ürünleri”, 31 Mart 2006 tarihinde ise “Konut Finansman› Kanun
Tasar›s›n›n De¤erlendirilmesi” isimli iki adet toplant›
gerçeklefltirilmifltir. Bu toplant›larda, TBMM Plan ve Bütçe
Komisyonu bünyesinde oluflturulan Konut Finansman› Kanunu
Tasar›s› Alt Komisyonu Baflkan› Milletvekili Say›n M. Mustafa
Aç›kal›n, Komisyon üyesi Milletvekili Say›n M. Akif Hamzaçebi,
SPK Baflkan› Say›n Doç.Dr.Do¤an Cans›zlar, SPK Baflkan Yard›mc›s›
Say›n ‹brahim Dönmez ve yerli ve yabanc› birçok akademisyen ve
uzman konuflmac› olarak yer alm›fllard›r. Toplant›larda sunulan
tebli¤lerin ve yap›lan konuflmalar›n toplant›lara kat›lma f›rsat›
bulamayan sektör temsilcilerine ve tüm ilgililer aktar›labilmesi için
Birli¤imiz taraf›ndan bir toplant› kitab› da haz›rlanm›flt›r.
4.2.2 Mortgage ve Mortgage Sigortalar› Kitab›
Birli¤imiz 2006 y›l›ndaki çal›flmalar› kapsam›nda, “Mortgage ve
Mortgage Sigortalar›” isimli bir kitap çal›flmas› da gerçeklefltirmifl
ve bu kitap Kas›m ay›nda yay›nlayarak sektörümüz ve di¤er ilgili
çevrelerle paylaflm›flt›r.
Birli¤imiz taraf›ndan haz›rlanan çal›flmada, mortgage sisteminin
genel yap›s› ve mortgage sistemi geliflmifl ülkelerde bu sistemde
kullan›lan bafll›ca mortgage sigorta ürünleri incelenmifltir. Çal›flmada
baz› poliçe örnekleri de okuyucular›n bilgisine sunulmufltur.
Association’s works for determining the insurance products that will
be needed in mortgage system continued in 2006. Besides the
functional meetings held with the authorities of the Undersecretariat
of Treasury the examinations and inquiries aimed at the examination
of the insurance practices in other countries continued; two seminars
were organized to inform the industry and books on these seminars
were prepared. In addition, a book named “Mortgage and Mortgage
Insurance Products” was prepared and published by the Association
as well.
4.2.1. Mortgage Seminars
The association organized two seminars called “Mortgage Insurance
Products”, and “Assessment of Draft Law on Housing Finance
(Mortgage)” respectively on February 8, 2006 and March 31, 2006
in order to discuss the mortgage system and the role of the insurance
in the system. Mr. M. Mustafa Aç›kal›n, Member of the Parliament
and Chairman of the Mortgage Sub-Commision of Planning and
Budgetary Commission, Mr. M. Akif Hamzaçebi, Member of the
Parliament and the Mortgage Sub-Commision of Planning and
Budgetary Commission, Assoc. Prof. Dr. Do¤an Cans›zlar, Chairman
of the CMB (Capital Market Board), ‹brahim Dönmez, Deputy
Chairman of CMB and many domestic and foreign academics and
experts made contributions in these meetings. A meeting book of
speeches and discussions of these meetings was prepared by the
Association for the purpose of informing the representatives of the
sector and all relevant parties who could not participate in the
meetings.
4.2.2. Book on “Mortgage and Mortgage Insurance Products”
The Association prepared a book named “Mortgage and Mortgage
Insurance Products” in 2006. The book was published in November
and delivered to the sector and all relevant parties.
The book deals with the general structure of the mortgage system
and examines main mortgage related insurance products used in the
developed countries. Some policy examples were also included for
the readers.
4. D‹⁄ER ÇALIfiMALAR
4. OTHER WORKS
4.3. Sigorta Konusunda Ortaya Ç›kan Uyuflmazl›klar›n Alternatif
Yöntemlerle Çözümü (ADR): Avrupa Uygulamalar› Kitab›
4.3. Book on “Alternative Dispute Resolution (ADR) in the
Insurance Sector: Practices in the EU”
Halen TBMM Genel Kurul gündeminde bulunan Sigortac›l›k Kanunu
Tasar›s›’nda, Birli¤imizin de önemli görevler üstlendi¤i, sektörümüze
yönelik bir tahkim mekanizmas›n›n oluflturulmas› öngörülmektedir.
Bu yeni mekanizma ile Türk sigorta sektöründe tüketici
uyuflmazl›klar›n›n mahkeme d›fl› yöntemlerle h›zl› ve ucuz flekilde
çözümü hedeflenmifltir.
The Draft Insurance Law which is still on the agenda of TBMM
General Assembly, includes provisions for sector specific arbitration.
In this context an arbitration mechanism designed for supporting the
solution of the consumer conflicts will be established and the
Association will take important tasks in this mechanism.
Birli¤imiz, sigorta konusunda ortaya ç›kan uyuflmazl›klar›n alternatif
yöntemlerle çözümüne iliflkin uygulamalar›n (tahkim, ombudsman,
arabuluculuk vb.) önümüzdeki dönemde sektörümüz aç›s›ndan giderek
önem kazanaca¤›ndan hareketle, “Sigorta Konusunda Ortaya Ç›kan
Uyuflmazl›klar›n Alternatif Yöntemlerle Çözümü (ADR): Avrupa
Uygulamalar›” isimli bir kitap çal›flmas› gerçeklefltirmifl ve bu kitab›
Nisan ay›nda yay›nlayarak sektörümüz ve di¤er ilgili çevrelerle
paylaflm›flt›r.
4.4. Sigorta Sektörüne Yönelik Grup Muafiyeti Tebli¤i
Çal›flmalar›
Avrupa Komisyonu taraf›ndan haz›rlanan ilerleme raporlar›nda
Avrupa Birli¤i müktesebat›na uyum aç›s›ndan gerekli oldu¤u ifade
edilen ve Birli¤imiz taraf›ndan ilk olarak, 2005 y›l›nda, DPT
Dokuzuncu Kalk›nma Plan› Rekabet Hukuku ve Politikalar› Özel
‹htisas Komisyonu’nun toplant›lar›nda dile getirilen “sigorta sektörüne
yönelik grup muafiyeti tebli¤i” haz›rlanmas›na yönelik talebimiz
do¤rultusunda çal›flmalar›m›z 2006 y›l›nda da devam etmifltir.
Bu kapsamda, Avrupa Birli¤i’nin konuya iliflkin tüzükleri taraf›m›zdan
incelenerek Türkçeye çevrilmifl ve ilgili kurumlarla paylafl›lm›flt›r.
Hali haz›rda Rekabet Kurumu taraf›ndan sektörümüze yönelik bir
grup muafiyeti tebli¤i haz›rlanmas›na iliflkin çal›flmalar sürdürülmekte
olup Birli¤imiz taraf›ndan bu çal›flmalara destek verilmektedir. Bu
kapsamda, 18 Kas›m, 12 Aral›k 2006 ve 9 Mart 2007 tarihlerinde
Rekabet Kurumu yetkilileriyle çal›flma toplant›lar› gerçeklefltirilmifltir.
Rekabet Kurumu taraf›ndan haz›rlanacak tebli¤ tasla¤›n›n, 2007
y›l›n›n ilk döneminde genel görüfle aç›lmas› ve tebli¤in, gelen
görüfllerin de¤erlendirilmesini takiben yay›mlanmas› beklenmektedir.
4.5. Çevre Sigortalar›na ‹liflkin Çal›flmalar
Knowing that the practices relating to the solution of the insurance
conflicts by alternative methods (arbitration, ombudsman, mediation
etc.) shall gradually gain importance for the industry in upcoming
days, the Association prepared a book named “Alternative Dispute
Resolution (ADR) in the Insurance Sector: Practices in the EU”. The
book was published in April and delivered to the sector and all
relevant parties.
4.4. Works on Insurance Block Exemption Regulation
The works of the Association continued in 2006, in line with the
demand of the Association for the preparation of a “block exemption
regulation for insurance sector”. The said block exemption is already
required by the European Commission in the progress reports to
harmonize Turkish competition legislation with the EU and set forth
by the Association for the first time in the meetings of the Specialty
Commission on Competition Law and Policies formed within the
frame of State Planning Organization (DPT) Ninth Development
Plan
In this context, the Association examined the related EU regulations,
translated these regulations into Turkish, and shared these translations
with relevant authorities. Currently Turkish Competition Authority
works on the issue and the Association supports these works. Within
this scope, meetings were held with the representatives of Turkish
Competition Authority on November 18, December 12, 2006 and
March 9, 2007.
It is estimated that a draft regulation prepared by Turkish Competition
Authority will be delivered in the first term of 2007 and following
the assessment of the opinions submitted, it will be published .
4.5. Works on Environmental Insurance
2006 y›l›nda Birli¤imiz taraf›ndan 2004/35/EC say›l› Avrupa Birli¤i
Çevre Sorumluluk Direktifi ve Avrupa ülkelerindeki uygulamalar
kapsam›nda çevre sigortalar›na iliflkin incelemeler yap›lm›flt›r. Ayr›ca
bu konuda, ülkemizdeki yaflanan geliflmelere iliflkin olarak, 5 fiubat
2007 tarihinde Çevre ve Orman Bakanl›¤›’nda bir çal›flma toplant›s›
gerçeklefltirilmifl ve bu toplant›da Birli¤imizin görüflleri yetkililerle
paylafl›lm›flt›r.
The Association conducted research relating to the environmental
insurance practices of the EU countries and the place of insurance
in the EU Environmental Liability Directive 2004/35/EC in 2006.
Furthermore a meeting was held with the representatives of the
Republic of Turkey Ministry of Environment and Forestry and other
related parties on February 5, 2007 to assess the current developments
in Turkish legislation. In this context, the Association shared its
opinions with the representatives of the Ministry and other parties.
73
ULUSLARARASI
KURULUfiLARLA
‹L‹fiK‹LER VE
AVRUPA B‹RL‹⁄‹ UYUM
SÜREC‹ ÇALIfiMALARI
RELATIONS WITH
INTERNATIONAL
INSTITUTIONS AND
HARMONIZATION WITH
THE EUROPEAN UNION
75
1. AVRUPA B‹RL‹⁄‹ ‹LE ‹L‹fiK‹LER
1. RELATIONS WITH THE EUROPEAN UNION
1.1. AVRUPA B‹RL‹⁄‹ KURUMLARI ‹LE ‹LG‹L‹ FAAL‹YETLER
1.1. ACTIVITIES RELATING TO THE EUROPEAN UNION
INSTITUTIONS
Birli¤imiz, ülkemizin Avrupa Birli¤i’ne uyum sürecinde gerek Avrupa
Birli¤i’ni temsil eden kurumlar gerekse Türk kamu kurumlar›
nezdindeki temaslar›n› 2006 y›l›nda da sürdürmüfltür.
Bu çerçevede 7 Nisan 2006 ve 16 Ekim 2006 tarihlerinde Avrupa
Komisyonu Türkiye Delegasyonu üst düzey yetkilileriyle toplant›lar
yap›lm›flt›r. Bu toplant›larda sektörümüzün de içerisinde yer ald›¤›
“Mali Hizmetler” fasl›nda gerçeklefltirilen tarama sürecine iliflkin
de¤erlendirmelerde bulunulmufltur. (Bilindi¤i gibi, “Mali Hizmetler”e
iliflkin tan›t›c› tarama toplant›lar› 29–30 Mart 2006 tarihlerinde,
ayr›nt›l› tarama toplant›lar› ise 2–3 May›s 2006 tarihlerinde Türk ve
AB bürokratlar›n›n kat›l›m›yla gerçeklefltirilmifltir.) Toplant›larda
ayr›ca sektörün Avrupa Birli¤i mevzuat›na uyum çerçevesinde yapm›fl
oldu¤u çal›flmalar da mercek alt›na al›nm›flt›r.
Kamu kurumlar› nezdindeki temaslar çerçevesinde ise 16 Ekim 2006
tarihinde Devlet Planlama Teflkilat› (DPT) Avrupa Birli¤i ile ‹liflkiler
Genel Müdürü Say›n Cevdet Y›lmaz, 21 Kas›m 2006 tarihinde
Avrupa Birli¤i Genel Sekreteri (ABGS) Büyükelçi Say›n O¤uz
Demiralp makamlar›nda ziyaret edilmifltir. Ziyaretlerde Birli¤imizin
yap›s›, Türk sigorta sektörünün durumu, temel göstergeleri, AB
sigorta sektörü karfl›s›ndaki durumu ve Birli¤in Avrupa Birli¤i’ne
uyum kapsam›nda gerçeklefltirmifl oldu¤u faaliyet ve projeler hakk›nda
kapsaml› sunumlar yap›lm›flt›r. Toplant›larda “Mali Hizmetler”
fasl›nda gerçeklefltirilecek müzakerelerde s›k›nt› yaratacak temel
konu olarak sektörü düzenleyen kanunun yürürlü¤e girmemifl olmas›
gösterilmifltir.
Bilindi¤i gibi, 11 Aral›k 2006 tarihinde Brüksel'de yap›lan AB
D›fliflleri Bakanlar› Toplant›s›'nda, Avrupa Komisyonu'nun 29
Kas›m'daki tavsiyesi do¤rultusunda, Ankara Protokolü kapsam›nda
hava ve deniz limanlar›n› K›br›s Rum Yönetimi’ne açmayan Türkiye
ile müzakerelerin 8 fas›lda k›smen ask›ya al›nmas› kararlaflt›r›lm›flt›r.
Bu fas›llardan biri de sigorta sektörünün içerisinde yer ald›¤› “Mali
Hizmetler” fasl› olmufltur.
Bu nedenle sigorta sektörünü do¤rudan ilgilendiren müzakere sürecinin
bafllang›ç tarihi belirsizdir. Buna karfl›n Birli¤imiz, Avrupa Birli¤i’ne
uyum sürecinde söz konusu kurumlarla iflbirli¤i içerisinde çal›flmalar›n›
sürdürmektedir. Bu çerçevede Türkiye’nin “Ekonomik ve Parasal
Politika” fasl›ndaki müzakere pozisyonuna iliflkin Birlik görüflü
Avrupa Birli¤i Genel Sekreterli¤i’ne (ABGS), Avrupa Birli¤i’nin
2007–2009 y›llar› aras›nda Türkiye’ye yapaca¤› mali yard›mlar›n
finansal çerçevesine iliflkin Birlik görüflü ise Avrupa Komisyonu
Türkiye Delegasyonu’na iletilmifltir.
Birli¤imiz ayr›ca, Avrupa Komisyonu taraf›ndan 8 Kas›m 2006
tarihinde aç›klanan Türkiye ‹lerleme Raporu’nda Türk sigorta
sektörüne iliflkin yap›lan de¤erlendirmeler, uyumda güçlüklerle
karfl›lafl›lan sorunlar ve öncelikli olarak ele al›nmas› gereken konularla
ilgili olarak haz›rlad›¤› raporu sektör yöneticilerine iletmifltir.
The Association has been in close relationship with the institutions
representing the European Union and Turkish public institutions
during Turkey’s harmonization process with the European Union
also in 2006.
Meetings were held with the high level authorities of the Delegation
of the European Commission to Turkey on April 7, and October 16,
2006 within this framework. Assessments were made during these
meetings with regard to the screening process under the “Financial
Services” Chapter. (As it is known, introductory and detailed screening
meetings related to the “Financial Services” Chapter were held
respectively on March 29-30, 2006 and May 2-3, 2006 with the
participation of Turkish and EU bureaucrats.) Efforts that the industry
exerted within the framework of harmonization with EU legislation
were also discussed during the meetings.
Within the framework of contacts with public institutions, a study
visit was paid to Mr. Cevdet Y›lmaz, Director General of EU Affairs
of the State Planning Organization (SPO) and Mr. O¤uz Demiralp,
Secretary General for EU Affairs of the Secretariat General for EU
Affairs (EUSG) respectively on October 16, 2006 and November
21, 2006. Comprehensive presentations were made during the visits
with regard to the structure of the Association, the status of the
Turkish insurance industry, basic indicators, its status vs. EU insurance
industry, and activities and projects performed by the Association
within the scope of harmonization with the European Union. The
fact that the law regulating the industry has not entered into force
effect yet was indicated as the basic issue that could create difficulties
during the negotiations to be held under the “Financial Services”
Chapter.
As it is known, on 11 December 2006, EU Foreign Ministers decided
to follow the European Commission’s recommendations and suspend
talks on 8 of the 35 negotiating chapters. One of these chapters is
“Financial Services” within which negotiations on insurance will be
held.
For this reason, the beginning date of the negotiation process directly
relating to the insurance industry is indefinite. On the other hand the
Association continues its efforts in cooperation with the abovementioned institutions during the process of harmonization with the
European Union. The Association’s opinion relating to the negotiation
position of Turkey under the “Economic and Monetary Policy”
Chapter was presented to the Secretariat General for EU Affairs
(EUSG), and the Association’s opinion on the Multi-Annual Indicative
Planning Document was presented to the Delegation of the European
Commission to Turkey.
The Association also prepared a report on the assessments made in
Turkey’s Progress Report, declared by the European Commission
on 8 November 2006, about the Turkish insurance sector, its priorities
and the problems faced in the harmonization process.
1. AVRUPA B‹RL‹⁄‹ ‹LE ‹L‹fiK‹LER
1. RELATIONS WITH THE EUROPEAN UNION
Bilindi¤i gibi 17 Nisan 2007 tarihinde Türkiye’nin AB Müktesebat›na
Uyum Program› kamuoyuna aç›klanm›flt›r. Program çerçevesinde
Türk sigorta sektörünü de yak›ndan ilgilendiren bir yasal takvim
sunulmufl ve ç›kar›lmas›nda yarar görülen yasal düzenlemeler bafll›klar
halinde ele al›nm›flt›r. Bu yasal takvim Birli¤imiz taraf›ndan sektöre
duyurulmufltur.
Turkey’s “Accession Preparations Road Map” was presented on 17
April 2007. In the framework of the Road Map, a schedule of primary
and secondary legislation to be adopted between 2007 and 2013 was
presented. The Road Map also includes a legal schedule for the
Turkish insurance sector. The Association notified the sector about
this schedule.
1.2. ULUSAL B‹RL‹KLERLE ‹L‹fiK‹LER‹N GEL‹fiT‹R‹LMES‹NE
YÖNEL‹K FAAL‹YETLER
1.2. ACTIVITIES TOWARDS THE IMPROVEMENT OF RELATIONS
WITH NATIONAL ASSOCIATIONS
Birli¤imiz 2006 y›l› stratejisi çerçevesinde, gerek Avrupa Birli¤i’ne
uyum sürecinde gerekse Türk sigorta sektörüne yeni sigorta ürünlerinin
tan›t›lmas› aflamas›nda sektörün sorunlarla karfl›laflt›¤› alanlarda
Avrupa Birli¤i üyesi ülkelerin deneyimlerinden faydalan›lmas›;
Birli¤imizin uluslararas› tan›n›rl›¤›n›n artt›r›lmas›; uluslararas›
iliflkilerinin gelifltirilmesi; iyi uygulama örneklerinden yararlan›lmas›
ve iflbirli¤ini artt›r›c› faaliyetlerde bulunulmas› amac›yla Avrupa
ülkeleri sigorta Birliklerine çal›flma ziyaretlerinde bulunmufltur.
Within the framework of its 2006 strategy, the Association paid
study visits to the insurance associations in the European Union for
the purpose of benefiting from their experiences in various fields,
increasing the Association’s international recognition, improving
international relations and performing activities that improve mutual
cooperation during the harmonization process with the European
Union and during the introduction of new insurance products to the
Turkish insurance industry.
Bu çerçevede, Avrupa Birli¤i üyesi olarak Avrupa Tek Sigorta
Piyasas› içerisinde yer alan ‹talya, ‹ngiltere, ‹rlanda, Almanya ve
‹spanya ile Avrupa Ekonomik Alan› üyesi olarak Avrupa Tek Sigorta
Piyasas› içerisinde yer alan Norveç ulusal sigorta Birliklerine Nisan
2006 tarihinden bu yana çal›flma ziyaretleri gerçeklefltirilmifltir. Bu
kapsamda 10 Nisan 2006 tarihinde ‹talyan Sigorta fiirketleri Birli¤i
ANIA, 28 Nisan 2006 tarihinde Norveç Finansal Hizmetler Birli¤i
FNH, 19 May›s 2006 tarihinde ‹rlanda Sigorta Federasyonu IIF, 22
May›s 2006 tarihinde ‹ngiliz Sigortac›lar Birli¤i ABI, 22 Mart 2007
tarihinde Alman Sigorta Birli¤i GDV ve 16 Nisan 2007 tarihinde
‹spanyol Sigortac›lar Birli¤i UNESPA ile toplant›lar
gerçeklefltirilmifltir.
In this context, since April 2006, the Association has been paying
study visits to Italy, United Kingdom, Ireland, Germany, and Spain
which are the EU Members of the EU Single Insurance Market and
to Norway which is a member of the EU Single Insurance Market
in its capacity as a European Economic Area Member. Within this
framework, meetings were held with ANIA (Italy), FNH (Norway),
IIF (Ireland), ABI (United Kingdom), GDV (Germany) and UNESPA
(Spain) respectively on 10 April 2006, 28 April 2006, 19 May 2006,
22 May 2006, 22 March 2007 and 16 April 2007.
Bunun yan› s›ra, Avrupa Birli¤i’nin Avusturya Dönem Baflkanl›¤›
s›ras›nda Avusturya Sigorta fiirketleri Birli¤i VVO, Türkiye’nin
Avrupa Birli¤i sürecine deste¤inin bir göstergesi olarak Birli¤i 2
May›s 2006 tarihinde Viyana’ya bir çal›flma toplant›s›na davet
etmifltir.
Gerçeklefltirilen görüflmeler, Birli¤imiz taraf›ndan haz›rlanm›fl olan
kapsaml› sunumlar ile bafllam›fl; Birli¤imiz, Birli¤imizin yap›s›,
çal›flmalar›, yay›nlar›, uluslararas› iliflkileri, AB sürecinde
gerçeklefltirdi¤i yasal düzenlemeler ve faaliyetler ile Türk sigorta
sektörü ve sektörün temel göstergelerine iliflkin kapsaml› bilgiler
verilmifltir. Bunu takiben, görüflmenin gerçeklefltirildi¤i ülkenin
sigorta Birli¤ine ve sektörüne iliflkin olarak toplant›lara kat›lan
yetkililerden kapsaml› bilgiler al›nm›fl ve karfl›l›kl› görüfl al›flveriflinde
bulunulmufltur.
In addition to these meetings, the Association was invited by the
Association of Austrian Insurance Companies (VVO) to a study visit
in Vienna on 2 May 2006, during Austria’s Presidency of the European
Union.
The meetings started with the comprehensive presentations made
by the Association concerning its structure, activities, publications,
the main indicators of the Turkish insurance sector, its institutional
structure and the harmonization work carried out in the EU process.
Following the presentations, the insurance associations of the abovementioned countries made presentations concerning their own
structures, functioning mechanisms and markets. The meetings
provided a forum for exchange of views and ideas.
In the meeting held with UNESPA (Spain), information was also
obtained as regards the operation of the motor vehicle insurance
system and the functioning of the claim settlement agreement system
in Spain.
‹spanyol Sigortac›lar Birli¤i UNESPA ile gerçeklefltirilen toplant›da
ayr›ca ‹spanya’daki motorlu tafl›t sigortalar› sistemi ile kaza tespit
tutanaklar› sisteminin iflleyifli hakk›nda bilgi al›nm›flt›r.
The Association prepared a comprehensive report on the insurance
sectors of the above-mentioned countries of the EU Single Insurance
Market. This Report was then circulated to the sector.
Bu toplant›lar sonucunda 2006 y›l›nda çal›flma toplant›lar›
gerçeklefltirilen ülkelerin sigorta sektörlerine yönelik olarak elde
edilen bilgi ve veriler Birli¤imiz taraf›ndan derlenerek bir rapor
haline getirilmifl ve sektörle paylafl›lm›flt›r.
Apart from these meetings, the Association paid a study visit to the
Greek Insurance Association on January 2006 to discuss the
functioning of the claims settlement agreement system in Greece.
Bu toplant›lar d›fl›nda Birli¤imiz, Ocak 2006 içerisinde kaza tespit
tutanaklar›na iliflkin olarak Yunanistan Sigorta fiirketleri Birli¤i’ne
de bir çal›flma ziyaretinde bulunmufltur.
77
2. ULUSLARARASI KURULUfiLARLA ‹L‹fiK‹LER
2. RELATIONS WITH INTERNATIONAL INSTUTIONS
Birli¤imiz, 2006 y›l›nda CEA, IAIS, OECD, IMIA gibi sigortac›l›k
alan›nda faaliyet gösteren uluslararas› kurulufllarla iliflkilerini
sürdürmüfltür.
In 2006, the Association maintained its relations with the international
institutions operating in the field of insurance such as CEA, IAIS,
OECD and IMIA.
2.1. AVRUPA S‹GORTA VE REASÜRANS FEDERASYONU (CEA)
2.1. THE EUROPEAN INSURANCE AND REINSURANCE
FEDERATION (CEA)
2.1.1. CEA Komitelerine Kat›l›m
Birli¤imiz, 2006 y›l›nda, üyesi bulundu¤u CEA Komitelerinden
Hayat Komitesi, Mal Sigortalar› Komitesi, Genel Sorumluluk
Komitesi, Motor Komitesi, Ekonomi ve Finans Komitesi ve Tek
Pazar Komitesi gündemlerini takip etmifl ve toplant›lar›na kat›lm›flt›r.
Bu çerçevede 27 Mart 2006 ve 24 Temmuz 2006 tarihlerinde CEA
Ekonomi ve Finans Komitesi toplant›lar›na kat›l›m sa¤lanm›fl, özellikle
Solvency II ve UFRS 4 konular›ndaki geliflmeler izlenmifltir. 26
Nisan 2006 tarihinde ise CEA Tek Pazar Komitesi toplant›s›na kat›l›m
sa¤lanm›fl, Avrupa tek sigorta piyasas›n›n gündemini oluflturan
konular, özellikle Avrupa Komisyonu Rekabet Genel Müdürlü¤ü
taraf›ndan Avrupa sigorta sektörüne yönelik olarak bafllat›lm›fl olan
soruflturma ile blok muafiyet düzenlemelerine iliflkin geliflmeler takip
edilmifltir. 11–12 May›s 2006 tarihlerinde CEA Genel Sorumluluk
Komitesi toplant›s›na, 8 Haziran 2006 tarihinde ise CEA Mal
Sigortalar› Komitesi toplant›s›na kat›l›m sa¤lanm›flt›r. CEA Mal
Sigortalar› Komitesi toplant›s›nda do¤al afetlerin yönetimi, sel ve
su bask›nlar›nda önleme tedbirleri, kamu-özel sektör iflbirli¤i,
yang›ndan korunma sistemleri ile h›rs›zl›k korunma sistemleri
konusundaki standardizasyon çal›flmalar› konular›ndaki geliflmeler
izlenmifltir.
Birli¤imiz 2007 y›l›nda da CEA Komite toplant›lar›na kat›l›m›n›
sürdürmektedir. Bu çerçevede 22 Ocak 2007 tarihinde CEA Ekonomi
ve Finans Komitesi toplant›s›na kat›l›m sa¤lanm›flt›r. Toplant›da
Türkiye’den de alt› sigorta flirketinin kat›l›m›yla gerçeklefltirilen
Solvency II Etki De¤erlendirme anketinin sonuçlar› ele al›nm›fl,
UFRS 4 faz 2 ile ilgili teknik konularda çal›flmak üzere üç ayr› alt
komite kurulmas›na karar verilmifltir. 21 fiubat 2007 ve 27 Nisan
2007 tarihlerinde kat›l›m sa¤lanan Tek Sigorta Piyasas› Komitesi
toplant›lar›nda ise Avrupa Komisyonu Rekabet Genel Müdürlü¤ü
taraf›ndan Avrupa sigorta sektörüne yönelik olarak bafllat›lan
soruflturma kapsam›nda flirket kârl›l›klar›, reasürans, sözleflme süreleri,
da¤›t›m kanallar› gibi konu bafll›klar›nda ülke uygulamalar› ve
pozisyonlar› ile Avrupa Birli¤i tek sigorta piyasas›ndaki yasal
düzenlemelere iliflkin geliflmeler ele al›nm›flt›r.
Birli¤imizin kat›l›m sa¤lad›¤› 6 Mart 2007 tarihli CEA Genel
Sorumluluk Komitesi toplant›s›nda Avrupa sorumluluk sigortas›
pazar›nda yaflanan geliflmeler, yeni sorumluluk sigortas› türlerine
iliflkin yürütülen çal›flmalar ve bu çal›flmalara CEA Çal›flma
Gruplar›n›n katk›lar› ele al›n›rken, 22 Mart 2007 tarihli Hayat Komitesi
toplant›s›nda 2006 y›l›nda AB hayat sigortas› piyasas›n›n performans›
de¤erlendirilmifltir.
2.1.1 Participation in CEA Committees
In 2006, the Association followed the agendas of the following CEA
Committees to which it is a member: Life Committee, Property
Insurance Committee, General Liability Committee, Motor Committee,
Economics and Finance Committee and Single Market Committee.
In this context, the Association participated to the meetings of CEA
Economics and Finance Committee on 27 March 2006 and on 24
July 2006 and followed the developments regarding Solvency II and
UFRS 4. On 26 April 2006, the Association participated to the
meeting of the CEA Single Market Committee and followed the
issues constituting the agenda of the single European insurance
market, especially the developments relating to the inquiry held for
the European insurance industry by the European Commission DG
Competition and the block exemption regulations. The Association
participated to the meeting of the CEA General Liability Committee
on 11-12 May 2006 and the meeting of the CEA Property Insurance
Committee on 8 June 2006. During the CEA Property Insurance
Committee meeting, the developments relating to the standardization
efforts on natural disaster management, measures to prevent floods,
public-private partnership, fire protection systems, and theft protection
systems were discussed.
The Association has continued to participate in the meetings of CEA
Committees in 2007. In this context, the Association participated to
the CEA Economics and Finance Committee meeting on 22 January
2007. During the meeting, the results of the Solvency II Impact
Assessment survey performed with the participation of six insurance
companies from Turkey were presented by the Association and other
issues were discussed like the establishment of three separate subcommittees to work on technical issues relating to UFRS 4, Phase
2. The Association also participated to the meetings of the Single
Market Committee on 21 February 2007 and 27 April 2007 where
countries’ practices and positions were discussed under company
profitability, reinsurance, contract durations, distribution channels
within the scope of the inquiry held for the European insurance
industry by the European Commission DG Competition. The
developments relating to legal regulations in the EU single insurance
market were also discussed.
On 6 March 2007, the Association participated to the CEA General
Liability Committee meeting. The developments in the European
liability insurance market, efforts exerted for new liability insurance
types and the contribution of CEA Working Groups to such efforts
were discussed. Finally, the Association participated to the CEA
Life Insurance Committee meeting on 22 March 2007, where the
performance of the EU life insurance market in 2006 was assessed.
Bunun yan› s›ra hayat sigortalar›, motorlu tafl›t sorumluluk sigortalar›,
mal sigortalar› ve Türk sigorta sektörü istatistiklerine iliflkin olarak
CEA’dan gelen talepler do¤rultusunda CEA yetkililerine yaz›l› bilgi
ve dokümantasyon sunulmufltur.
Besides participating meetings, the Association has also provided
information and documentation to the CEA on life insurance, motor
vehicle liability insurance, property insurance, and Turkish insurance
industry statistics.
2.1.2. CEA 2006 Y›l› Genel Kurul Toplant›s›
2.1.2. 2006 General Assembly Meeting of CEA
Birli¤imiz ve CEA iliflkileri aç›s›ndan 2006 y›l›n›n en önemli gündem
maddesini oluflturan konu, CEA 2006 y›l› Genel Kurul Toplant›s›’n›n
Birli¤imiz ev sahipli¤inde 15–17 Haziran 2006 tarihlerinde ‹stanbul’da
gerçeklefltirilmesidir.
The most important item on the Association’s 2006 CEA Agenda
has been the organization of the 2006 CEA General Assembly
Meeting in Istanbul, Turkey, on 15-17 June 2006.
Avrupa sigorta flirketleri ve Birliklerinin yaklafl›k 250 üst düzey
yöneticisinin kat›l›m›yla ‹stanbul’da 53.’sü düzenlenen CEA Genel
Kurul Toplant›lar› çerçevesinde CEA Baflkanlar Konseyi Toplant›s›,
CEA Genel Direktörler Toplant›s›, Delegasyon Baflkanlar› Toplant›lar›,
CEA Genel Kurul Toplant›s› gerçeklefltirilmifltir.
Genel Kurul Toplant›lar›n›n sonunda, Birli¤imiz ve CEA iflbirli¤i
ile Hazine Müsteflarl›¤›, Avrupa Komisyonu, CEA ve IAIS’ten üst
düzey konuflmac›lar›n kat›ld›¤› “Sigorta Sektörü: Avrupa Toplumu
ve Ekonomisini Bekleyen Sorunlara Çözümler” konulu konferans
düzenlenmifltir.
Konferansta yap›lan sunumlar Türkçe ve ‹ngilizce olmak üzere
derlenerek bir kitap haline getirilmifl, Avrupa Sigorta Birlikleri ve
Türk sigorta sektörü yöneticilerine iletilmifltir.
2.2. EKONOM‹K ‹fiB‹RL‹⁄‹ VE KALKINMA TEfiK‹LATI (OECD)
2.2.1. Sigortac›l›k ve Özel Emeklilik Komitesi Toplant›lar›na
Kat›l›m
Birli¤imiz, 6–7 Temmuz 2006 ve 14–15 Aral›k 2006 tarihlerinde
Cenevre ve Paris’te düzenlenen OECD Sigortac›l›k ve Özel Emeklilik
Komitesi Toplant›lar›na kat›lm›fl; OECD gündemini oluflturan finansal
e¤itim, sigorta yönetiflim uygulamalar›, büyük ölçekli do¤al afetlerin
finansal yönetimi, bulafl›c› hastal›klar›n finansal yönetimi, uzun
yaflam riski gibi pek çok farkl› konuda gündemi takip etmifl ve
katk›larda bulunmufltur. Birli¤imiz, ayn› zamanda, OECD Sigortac›l›k
ve Özel Emeklilik Komitesi Toplant›lar›’nda ele al›nan konulara
iliflkin kapsaml› raporlar haz›rlayarak sektöre iletmifltir.
2.2.2. “Büyük Ölçekli Afetlerin Finansal Yönetimi Uluslararas›
A¤›” Projesi
Birli¤imiz ayr›ca OECD bünyesinde afet zararlar›n›n azalt›lmas› ve
tazmini konular›nda ülkeler aras›nda bilgi ve tecrübe paylafl›m›
yap›lmas›, bu konuda uygulanan programlar›n gözden geçirilmesi
amaçlar›yla kurulan “Büyük Ölçekli Afetlerin Finansal Yönetimi
Uluslararas› A¤›”na üç y›l süreyle, maddi katk› ve teknik destek
sa¤lama taahhüdünde bulunmufltur. Bu çerçevede Birli¤imiz taraf›ndan
ilk katk› 2006 y›l› içerisinde sa¤lanm›flt›r.
In the framework of the 53rd CEA General Assembly Meeting held
in Istanbul, CEA Heads of Delegation, DG Conference, Committee
Chairpersons, Presidential Council and CEA General Assembly
Meetings were held with the participation of almost 250 executives
of European insurance companies and associations.
At the end of the General Assembly Meetings, the conference entitled
“The Insurance Industry: Meeting New Challenges Facing European
Society and Economy” was held in cooperation with the Association
and the CEA, with the participation and contributions of high level
speakers from the Undersecretariat of Treasury, European
Commission, CEA and IAIS.
Presentations made during the conference were compiled both in
Turkish and English in a book and sent to the directors and highlevel executives of the European Insurance Associations and Turkish
insurance industry.
2.2. ORGANIZATION FOR ECONOMIC COOPERATION AND
DEVELOPMENT (OECD)
2.2.1. Participation to the Meetings of the OECD Insurance
and Private Pensions Committee
The Association participated to the OECD Insurance and Private
Pensions Committee Meetings held in Geneva and Paris respectively
on 6-7 July 2006 and 14-15 December 2006; followed the agenda
on various subjects such as financial education, insurance governance
practices, financial management of large scale catastrophes, financial
management of contagious diseases and longevity risk constituting
the OECD insurance agenda OECD. After the meetings, the
Association prepared comprehensive reports on the issues which
were discussed. These reports were then circulated to the industry.
2.2.2. Project on the “International Network on Financial
Management of Large Scale Catastrophes”
The Association undertook to provide technical and material
contribution to the “International Network on Financial Management
of Large Scale Catastrophes” established for the purpose of exchanging
information and experiences between member countries, diminishing
catastrophic damages and reviewing the implemented programs for
a period of three years. Within this framework, the first contribution
was provided in 2006 by the Association.
79
2.2.3. “Risk ve Sigorta Bilinci ve E¤itimi” Konulu Ortak
Sempozyum Düzenleme
2.2.3. Organization of a Joint “International Seminar on
Awareness and Education Relative to Risks and Insurance
Issues”
2006 y›l›nda Birli¤imiz ve OECD aras›nda gelifltirilen iliflkilerin en
önemli bileflenini ise, Birli¤imiz taraf›ndan ikincisi düzenlenecek
uluslararas› sempozyumun OECD ile iflbirli¤inde gerçeklefltirilmesine
iliflkin olarak sa¤lanan mutabakat oluflturmufltur.
Bu mutabakat çerçevesinde 13 Nisan 2007 tarihinde ‹stanbul’da
Birli¤imiz ve OECD iflbirli¤inde, Türk ve Japon hükümetlerinin
deste¤iyle “Risk ve Sigorta Bilinci ve E¤itimi” konulu II. Uluslararas›
Sigorta Sempozyumu düzenlenmifltir. Sempozyuma 24 ülke ve 7
uluslararas› kurumdan davetliler, Türk sigorta sektörü temsilcileri
ve akademisyenler olmak üzere yaklafl›k 250 kifli kat›lm›flt›r.
Sempozyumda hem geliflmifl hem de geliflmekte olan ülkelerde risk
ve sigorta konular›nda artan bilinç ve özellikli e¤itim ihtiyac›n›n
önemi vurgulanm›flt›r. Sempozyum; hükümetlerin, finansal
kurulufllar›n, özellikle sigorta piyasas› aktörlerinin ve tüketicilerin
risk ve sigorta e¤itimi konular›ndaki duyarl›l›klar›n›n gelifltirilmesine;
ülkelerin tecrübe, yöntem ve uygulama örneklerinin incelenmesine
katk› sa¤lam›flt›r.
2.3. ULUSLARARASI S‹GORTA DENETÇ‹LER‹ B‹RL‹⁄‹ (IAIS)
Birli¤imiz, gözlemcisi oldu¤u Uluslararas› Sigorta Denetçileri Birli¤i
(IAIS) gündemini 2006 y›l›nda da yak›ndan takip etmifltir. Bu
çerçevede Birlik, IAIS’in sigorta sahtekârl›¤›na ve Solvency konusuna
iliflkin olarak yürüttü¤ü çal›flmalara katk› sa¤lam›flt›r.
2.4. ULUSLARARASI MÜHEND‹SL‹K S‹GORTALARI B‹RL‹⁄‹
(IMIA)
Birli¤imiz, üyesi oldu¤u Uluslararas› Mühendislik Sigortalar›
Birli¤i’nin (IMIA) ABD’nin Boston kentinde 11–13 Eylül 2006
tarihleri aras›nda düzenlenen 39. Y›ll›k Toplant›s›na kat›lm›flt›r.
Toplant›da, bir önceki konferansta oluflturulan çal›flma gruplar›,
“Aç›k Deniz Rüzgar Tribünleri”, “Yol Yap›m Çal›flmalar›nda
Mühendislik Sigortalar› Riskleri”, “Katrina Kas›rgas›n›n Etkileri”,
“Boston –Big Dig Projesi Tan›t›m›”, “‹stinat Duvar› Hasar› ve
Beraberinde Getirdi¤i Üçüncü fiah›s Mali Mesuliyeti” konular›nda
haz›rlam›fl olduklar› çal›flmalar› sunmufllar, Türk delegasyonu da,
Türk mühendislik sigortalar› piyasas› hakk›nda bir sunum yapm›flt›r.
2.5. M‹LLETLERARASI T‹CARET ODASI (ICC)
Birli¤imiz, 18 Temmuz 2006 tarihinde Ceylan InterContinental
Otel’de düzenlenen Milletleraras› Ticaret Odas› (ICC) Türkiye Milli
Komitesi 52. Genel Kurul Toplant›s›’na kat›lm›flt›r. Toplant›da ICC
2005–2006 dönemi faaliyetleri ve bütçe görüflülerek onaylanm›flt›r.
The most important component of the relationship developed between
the Association and OECD in 2006 was the agreement on the
organization of a joint international seminar.
Within this framework the Association and OECD convened an
“International Seminar on Awareness and Education Relative to
Risks and Insurance Issues”, on 13 April 2007 at Swissôtel, in
Istanbul, Turkey, with the support of Turkish and Japanese
governments. High-level governmental officials from regulatory and
supervisory authorities, industry experts and academics from OECD
countries and non-OECD members’ economies attended the event
from 24 countries and 7 international organizations, as well as the
representatives of the Turkish insurance sector.
The presentations made during the seminar highlighted the need for
increased awareness and specific education on risks and insurance
issues in both developed and developing countries. The seminar also
contributed to enhancing the responsiveness of governments, financial
institutions, insurance market players as well as consumers with
regard to the importance of appropriate information disclosure and
education on risks and insurance issues and to examine countries’
experience, progress and good practices in this area.
2.3. INTERNATIONAL ASSOCIATION OF INSURANCE
SUPERVISORS (IAIS)
The Association, with its observer status, closely followed the agenda
of the International Association of Insurance Supervisors (IAIS) in
2006. It contributed to the IAIS studies carried out in the fields of
insurance fraud and Solvency within this framework.
2.4. INTERNATIONAL ASSOCIATION OF ENGINEERING
INSURERS (IMIA)
The Association participated to the 39th Annual Meeting of the
International Association of Engineering Insurers (IMIA) in Boston,
USA between 11-13 September 2006.
In the meeting the working groups constituted in the previous
conference presented the studies they prepared as regards the following
subjects “Open Sea Wind Tribunes”, “Engineering Insurance Risks
for Road Construction Works”, “Effects of the Hurricane Katrina”,
“Introduction of Boston-Big Dig Project”. During the meeting, the
Turkish delegation made a presentation about the Turkish engineering
insurance market.
2.5. INTERNATIONAL CHAMBER OF COMMERCE (ICC)
The Association participated to the 52nd General Assembly Meeting
of the Turkish National Committee of the International Chamber of
Commerce (ICC) organized in Ceylan InterContinental Hotel on 18
July 2006. In the ICC meeting activities and the budget of the 20052006 period were discussed and approved.
3. AB ‹LE ‹LG‹L‹ D‹⁄ER FAAL‹YETLER
3. OTHER ACTIVITIES RELATED TO THE EU
3.1. AVRUPA B‹RL‹⁄‹ ‹LE ‹LG‹L‹ YAYINLAR
3.1. PUBLICATIONS RELATING TO THE EUROPEAN UNION
3.1.1. “15 Soruda Avrupa Birli¤i ve Avrupa Tek Sigorta
Piyasas›” Kitapç›¤›
3.1.1. Booklet on the “European Union and EU Single Insurance
Market in 15 Questions”
Birli¤imiz, Türk sigorta sektörünün Avrupa Birli¤i tek sigorta
piyasas›na uyum sürecinde, toplumda sigortayla ilgili tüm taraflar›n,
özellikle sigorta flirketi çal›flanlar›n›n bilgilendirilmesi amac›yla
yürüttü¤ü çal›flmalar kapsam›nda “15 Soruda Avrupa Birli¤i ve
Avrupa Tek Sigorta Piyasas›” bafll›kl› bir kitapç›k haz›rlam›flt›r.
Kitapç›k, Avrupa Birli¤i ve Tek Sigorta Piyasas› hakk›nda en çok
merak edilen konular› 15 soru bafll›¤› alt›nda mercek alt›na almaktad›r.
The Association prepared a booklet entitled “European Union and
EU Single Insurance Market in 15 Questions” within the framework
of its efforts aimed at informing all relevant parties especially the
employees of the insurance companies, during the Turkish insurance
market’s harmonization process with the EU single insurance market.
The main issues of concern about the European Union and the Single
Insurance Market were discussed under 15 questions in the booklet.
3.1.2. Sigorta Sektörü: Avrupa Toplumu ve Ekonomisinin Karfl›
Karfl›ya Bulundu¤u Sorunlara Çözüm Önerileri” Konulu Konferans
Kitab›
3.1.2. Conference Book on “The Insurance Industry: Meeting
New Challenges Facing European Society and Economy”
Birli¤imiz, 15-17 Haziran 2006 tarihlerinde ev sahipli¤i yapt›¤›,
Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA) 2006 y›l›
Genel Kurul Toplant›lar› s›ras›nda düzenlenen “Sigorta Sektörü:
Avrupa Toplumu ve Ekonomisinin Karfl› Karfl›ya Bulundu¤u Sorunlara
Çözüm Önerileri” konulu konferansta yap›lan sunumlar› kitap haline
getirmifltir.
Kitapta, Hazine Müsteflarl›¤›, Avrupa Komisyonu, Avrupa
Parlamentosu, IAIS ve Swiss Re’den üst düzey yöneticilerin sigorta
sektörünün karfl›laflt›¤› sorunlar, bu sorunlar›n nas›l bir düzenleyici
çerçeve içerisinde çözülebilece¤i ve sektörün öncelikleri gibi konularda
yap›lan sunumlar yer almaktad›r. ‹ngilizce ve Türkçe olmak üzere
iki dilde haz›rlanan kitap gerek Avrupa gerekse Türk sigorta
çevrelerine iletilmifltir.
3.1.3. “Avrupa Birli¤i’nde Sigorta Arac›lar›” Kitab›
Birli¤imiz taraf›ndan yay›nlanan “Avrupa Birli¤i’nde Sigorta
Arac›lar›” kitab› sigorta arac›lar› ve arac›lar›n sigorta piyasas›ndaki
rolüne iliflkin genel bir çerçeve çizmekte, Avrupa Birli¤i’nde sigorta
arac›l›¤› faaliyetleri ile bu faaliyetleri düzenleyen ve “Sigorta Arac›lar›
Direktifi” olarak da bilinen 2002/92/EC say›l› Avrupa Parlamentosu
ve Konsey Direktifi’ni ana noktalar›yla ele almaktad›r. Kitapta ayr›ca
Avrupa Birli¤i üyesi ülkelerde sigorta arac›l›¤› faaliyetlerini
düzenleyen kurallara iliflkin kapsaml› bilgiler verilmektedir.
The Association compiled in a book the presentations made during
the conference on “The Insurance Industry: Meeting New Challenges
Facing European Society and Economy” organized in Turkey on 1517 June 2006 during the CEA 2006 General Assembly Meeting.
The book includes presentations made by the high-level executives
of the Undersecretariat of Treasury, European Commission, European
Parliament, IAIS and Swiss Re on various issues such as the problems
facing the insurance industry, the regulatory framework within which
these problems could be solved and the priorities of the sector. The
book, which was prepared both in English and Turkish was delivered
to both European and Turkish insurance environs.
3.1.3. Book on “Insurance Intermediation in the European
Union”
The book on “Insurance Intermediation in the European Union”
published by the Association outlines the role of insurance
intermediaries and intermediation in the insurance market, insurance
intermediation activities in the European Union and Directive
2002/92/EC also known as the “Insurance Intermediation Directive”
regulating such activities. The book also includes comprehensive
information about the rules regulating insurance intermediation
activities in various European Union member countries.
81
MAL‹ VE F‹NANSAL
KONULARDAK‹
GEL‹fiMELER VE
FAAL‹YETLER
DEVELOPMENTS AND
ACTIVITIES IN FISCAL AND
FINANCIAL MATTERS
83
1. MAL‹ KONULARDAK‹ FAAL‹YETLER
1. ACTIVITIES IN FISCAL MATTERS
I. BSMV, KURUMLAR VERG‹S‹ VE GEL‹R VERG‹S‹
KONULARINDA YAPILAN FAAL‹YETLER
1.ACTIVITIES PERFORMED WITH REGARD TO BANKING AND
INSURANCE TRANSACTIONS TAX (BITT), CORPORATE TAX
AND INCOME TAX
1. “Türk Sigorta Sektörünün Öncelikli Vergi Sorunlar› Toplant›s›
– II”
Birli¤imizin sektörün vergisel konularda karfl›laflt›¤› sorunlara çözüm
önerileri üretilmesi yönünde yapt›¤› çal›flmalar kapsam›nda, “2006
Y›l›nda Sigorta Sektörünün Vergilendirilmesi ile ‹lgili Sorunlar,
Geçmifl Dönemde Yaflanan Geliflmeler, Çözümsüz Kalan Hususlar
ve Öneriler” isimli bir rapor haz›rlanm›flt›r. Söz konusu raporun
de¤erlendirilmesi amac›yla, Gelir ‹daresi Baflkanl›¤› yetkilileriyle,
25 fiubat 2006 tarihinde bir toplant› düzenlenmifltir.
Söz konusu toplant›da afla¤›da yer alan konular görüflülmüfltür:
A- Kurumlar Vergisi ve Gelir Vergisi ‹le ‹lgili Konular:
- IBNR Karfl›l›klar›n›n Vergi Matrah›ndan ‹ndirimi
- Deprem Hasar Karfl›l›klar›n›n Vergi Matrah›ndan ‹ndirimi
- Hayat Sigorta fiirketlerindeki Matematik Karfl›l›klar›n Yat›r›ld›klar›
Fonlara Ait Stopajlar›n Kurum Kazanc› Üzerinden Hesaplanan
Vergiden Mahsup Edilmesi
- Hayat ve Sa¤l›k Sigortas› ‹flveren Katk› Paylar›n›n Gelir Vergisi
ve Kurumlar Vergisi Matrahlar›ndan Do¤rudan ‹ndirimi
- Birikimli ve Birikimsiz Hayat Sigortalar› Poliçelerinden Al›nan
Gelir Vergisi ‹le Veraset ve ‹ntikal Vergisi
- Vak›f Üyelerinin BES’e Kat›lmalar›nda Vergisel Kolayl›k
Sa¤lanmas›
- Farkl› Tarihlerde Düzenlenen Hayat Sigortalar›na ‹liflkin Hususlar
- Hayat Sigortalar›nda Hak Sahibi Devir ‹fllemleriyle ‹lgili Ortaya
Ç›kan Vergisel Konular
- Sigorta Prodüktörlerinde Stopajla Nihai Vergileme
1. “Meeting on Primary Taxation Problems of the Turkish
Insurance Sector – II”
Within the scope of its works aimed at generating proposals of
solution to problems encountered by the sector in respect of taxation
matters, our Association prepared a report entitled “Problems relating
to the Taxation of Insurance Sector in 2006, Developments that
occurred during the Previous Period and Suggestions”. In order for
the report to be evaluated by the authorities, a meeting was held on
February 25, 2006 with the authorities of the Revenue Administration
under the supervision of its president. The following issues were
discussed in the said meeting:
A- Issues relating to Corporate Tax and Income Tax:
- deduction of IBNR reserves from the tax assessment
- deduction of earthquake claim reserves from the tax assessment
- deduction of withholdings for funds in which mathematical reserves
are invested in life insurance companies from the tax calculated over
the corporation’s revenue,
- deduction of life and health insurance employer contributions
directly from income tax and corporation tax assessments
- income tax and inheritance tax taken on life insurance policies
- tax-related facilities for members of Foundations with respect to
their participation in Private Pensions System
- matters related to life insurances issued at different dates
- tax issues that arise during the beneficiary transfer transactions
in life insurances
- final taxation of insurance producers through withholding
B- BSMV ‹le ‹lgili Konular:
B- Issues relating to BITT:
- ‹ptal Edilen Poliçelerde BSMV Uygulamas›
- Yang›n Sigorta Vergisinin BSMV Matrah›na Eklenmemesi
- Acente Komisyonlar›nda Dönemsellik Uygulamas›
- ‹fltirak Gelirleri ve BSMV
- Uçak Gövde ve Tekne Sigortalar› Gibi Yurt D›fl›nda Yap›lmas›
Mümkün Sigortalarda BSMV ‹stisnas›
- Tazminat Bedelleri ve KDV
- Acentelerin BSMV Karfl›s›ndaki Durumlar›, Acente Komisyonlar›
ve BSMV (Vergiden ‹stisna Edilmifl Sigorta ‹fllemlerine ‹liflkin
Komisyonlar ve Teflvik Komisyonlar›nda BSMV)
- Kur Fark› Gelirleri ve BSMV
- BITT application in annulled policies
- Fire insurance tax
- Matching principle in agency commissions
- Participation revenues and BITT
- BITT exception in insurances which can be executed abroad such
as aircraft hull and marine insurances
- Indemnity amounts and VAT
- Status of agencies against BITT, agency commissions and BITT
(commissions relating to insurance transactions that are exempt from
tax, and BITT in incentives given to agencies)
- Income arising from the difference in exchange rates and BITT
Toplant› Sonras› Meydana Gelen Geliflmeler: Toplant› sonras›nda,
Yeni Kurumlar Vergisi Kanunu’nda yer alan IBNR karfl›l›klar›,
deprem hasar karfl›l›klar› ve hayat sigorta flirketlerinde matematik
karfl›l›klar›n yat›r›ld›klar› fonlara ait stopajlar›n kurum kazanc›
üzerinden hesaplanan vergiden mahsubu konular›n›n Birli¤imizin
önerileri do¤rultusunda TBMM Plan ve Bütçe Komisyonu’nda
yeniden düzenlenmesi sa¤lanm›flt›r. Ayr›ca, toplant›da var›lan
mutabakat do¤rultusunda, Birli¤imizce Gelir ‹daresi Baflkanl›¤›’na
hayat sigortalar›nda hak sahibi devir ifllemleriyle ilgili ortaya ç›kan
vergi ve acente komisyonlar›nda dönemsellik ilkesinin uygulanmas›na
iliflkin yaz›lar yaz›larak görüfl verilmesi de istenmifltir.
Developments in the aftermath of the Meeting: At the end of
the meeting in line with the Association’s proposals a rearrangement
was made in the TBMM Planning and Budgetary Commission with
regard to the issue of setting off the taxes with hold pertaining to the
funds that the IBNR provisions, provisions for earthquake loss, and
mathematical provisions in life insurance companies which are
invested to from the tax calculated over the corporate earning specified
in the New Corporate Tax.
2. “Türk Sigorta Sektörünün Öncelikli Vergi Sorunlar› Toplant›s›
– III”
2. “Meeting on Primary Taxation Problems of the Turkish
Insurance Sector – III”
Birli¤imizin, sektörün vergisel konularda karfl›laflt›¤› sorunlara çözüm
önerileri üretilmesi yönünde yapt›¤› çal›flmalar kapsam›nda, “2007
Y›l›nda Sigorta Sektörünün Vergilendirilmesi ile ‹lgili Sorunlar,
Geçmifl Dönemde Yaflanan Geliflmeler, Çözümsüz Kalan Hususlar
ve Öneriler” isimli bir rapor haz›rlanm›flt›r. Söz konusu raporun
yetkililerle de¤erlendirilmesi amac›yla, Gelir ‹daresi Baflkan›’n›n
himayesinde Gelir ‹daresi Baflkanl›¤› yetkilileriyle her y›l düzenli
olarak gerçeklefltirilen toplant›lar›n üçüncüsü 20 Ocak 2007 tarihinde
düzenlenmifltir. Söz konusu toplant›da afla¤›da yer alan konular
görüflülmüfltür:
Within the scope of its works aimed at generating proposals of
solution to problems encountered by the sector in respect of taxation
matters, our Association prepared a report entitled “Problems relating
to the Taxation of Insurance Sector in 2007, Developments that
occurred during the Previous Period and Suggestions”. In order for
the report to be evaluated by the authorities, a meeting was held on
January 20, 2007 with the authorities of the Revenue Administration
under the supervision of its president. The following issues were
discussed in the said meeting:
A- Kurumlar Vergisi ve Gelir Vergisi ‹le ‹lgili Sorunlar
- 5520 Say›l› Kurumlar Vergisi Kanunu ve Uygulanmas› Konusunda
Oluflan Tereddütler
- Hayat Sigortalar›nda Hak Sahibi Devir ‹fllemleriyle ‹lgili Ortaya
Ç›kan Vergi
- Hayat ve Sa¤l›k Sigortas› ‹flveren Katk› Paylar›n›n Gelir Vergisi
Matrah›ndan Do¤rudan ‹ndirimi
- Vefat Tazminat›na ‹liflkin Vergileme
- Vak›f Üyelerinin BES’e Kat›lmalar›nda Vergisel Kolayl›k
Sa¤lanmas›
- 07.10.2001 Tarihinden Sonra Düzenlenen Hayat Poliçeleri ile
BES’den Yap›lacak Geri Ödemelerde Elde Edilen ‹rad›n
Vergilendirilmesi
- Yeni Teknik Karfl›l›klar Yönetmeli¤i ‹le Getirilen Müesseselerin
Vergi Matrah›na Etkisi
B- BSMV ve Kdv ‹le ‹lgili Sorunlar
- Acente Komisyonlar›nda Dönemsellik Uygulamas›
- Tazminat Bedelleri ve KDV
- ‹ptal Edilen Poliçelerde BSMV Uygulamas›
- Acentelerin BSMV Karfl›s›ndaki Durumlar›, Acente Komisyonlar›
ve BSMV
- ‹fltirak Gelirleri ve BSMV
- Uçak Gövde ve Tekne Sigortalar› Gibi Yurt D›fl›nda Yap›lmas›
Mümkün Sigortalarda BSMV ‹stisnas›
- ‹hracat 2000/1 Say›l› Tebli¤ Kapsam›nda BSMV ‹stisnas›n›n
Uygulanmas›
Toplant› Sonras› Meydana Gelen Geliflmeler: Bireysel emeklilik
sistemi ve di¤er flah›s sigortalar›na ödenen katk› paylar› ve primlerine
iliflkin 23.2.2007 tarihli 59 nolu Gelir Vergisi Sirküleri yay›nlanm›flt›r.
Söz konusu sirkülerde, 18 yafl›ndan küçük çocuklar›n lehdar oldu¤u
hayat sigorta poliçelerinin devri, iflverenlerce ücretliler ad›na ödenen
hayat ve sa¤l›k sigortas› gibi flah›s sigorta primlerinin ticari kazanc›n
tespitinde indirimi ve birikimli sigorta poliçelerinde birikimli teminata
isabet eden k›sm›n vergilendirilmesine iliflkin aç›klamalarda
bulunulmufltur.
A- Issues Relat›ng to Corporate Tax and Income Tax
- Corporate Tax Law number 5520 and doubts relating to the
implementation of this Law
- Tax issues that arise during the beneficiary transfer transactions in
life insurances
- The direct deduction of life and health insurance employer
contributions from income tax and corporation tax assessments
- Taxation on Death Indemnity
- Tax-related facilities for members of Foundations with respect to
their participation in Private Pensions System (PPS)
- Taxation of the revenue obtained through Private Pensions System
(PPS) and through Life Insurance Policies arranged after 07.10.2001
- Tax effects of the new Regulation on Technical Reserves
B- Issues Relating to BITT and VAT
- Implementation of Matching Principle for Agency Commissions
- Indemnity Costs and VAT
- BITT Practice for Policies Cancelled
- status of agencies against BITT, agency commissions and BITT
- Participation Incomes and BITT
- BITT exception in insurances which can be executed abroad such
as aircraft hull and marine insurances
- BITT Exemption problems within the scope of the Circular “Export
2000/1”
Developments in the Aftermath of the Meeting: Income Tax
Circular dated 23.2.2007 and number 59 relating to the contributions
and premiums paid to private pension system and other personal
insurances was published. In the said circular there were remarks
relating to the transfer of life insurance policies whose beneficiaries
are persons under the age of 18, the deduction of the premiums of
personal insurance such as life and health insurance paid by the
employers on behalf of the wage earners during definition of the
commercial earnings, and the taxation of the portion corresponding
to the cumulative savings in permanant life insurance policies.
85
Ayr›ca, 03.04.2007 tarih ve 26482 say›l› Resmi Gazete’de yay›mlanan
Kurumlar Vergisi Kanunu’na iliflkin aç›klamalara yer verilen
“Kurumlar Vergisi Genel Tebli¤inin (Seri No: 1)” Birli¤imiz görüflleri
do¤rultusunda yeniden düzenlenmesi sa¤lanm›flt›r. Genel Tebli¤de
deprem hasar karfl›l›¤› baflta olmak üzere sigorta ve reasürans
flirketlerince ayr›lan teknik karfl›l›klara ve hayat matematik
karfl›l›klar›n›n yat›r›ma yönlendirilmesinden elde edilen kazanç ve
iratlar üzerinden yap›lan vergi kesintilerinin kurumlar vergisinden
mahsubuna iliflkin aç›klamalara yer verilmifltir.
The Association also ensured that the “Circular on Corporate Tax
(serial No:1)” relating to the implementation of the Corporate Tax
Law published on the Official Journal dated 03.04.2007 and number
26482 was rearranged in line with the views of the Association. The
Circular contains remarks relating to technical reserves, especially
the reserves for earthquake loss set aside by the insurance and
reinsurance companies, and to the implementation of tax deductions
made over the earnings and revenues obtained from directing the
mathematical reserves to investment.
Ayr›ca, 5615 say›l› “Gelir Vergisi Kanunu ve Baz› Kanunlarda
De¤ifliklik Yap›lmas›na Dair Kanun” 04.04.2007 tarih ve 26483
say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir. Söz konusu
Kanun’un 17nci maddesiyle, iptal edilen poliçelerin BSMV’sinin
iptalin gerçekleflti¤i dönemde hesaplanan BSMV’den indirimine
imkan sa¤lamak üzere, 6802 say›l› Gider Vergileri Kanunu’nun
31inci maddesinin 4üncü f›kras› de¤ifltirilmifltir. Söz konusu de¤ifliklik
0 1 . 0 5 . 2 0 0 7 t a r i h i n d e n i t i b a r e n y ü r ü r l ü ¤ e g i r m i fl t i r .
Furthermore, the “Law on the Amendment of the Income Tax Law
and Several Laws” number 5615 published in the Official Journal
dated 04.04.2007 and number 26483 entered into force. Income Tax
Law number 6802 Article 31 was amended by the Article 17 of the
said Law in order to allow the deduction of BITT of the cancelled
policies from the BITT base calculated during the period the
cancellation takes place. The said amendment entered into force in
01.05.2007.
Di¤er taraftan, acentelerin ve komisyonlar›n›n BSMV karfl›s›ndaki
durumlar›n› ele almak üzere Birli¤imiz ile Gelir ‹daresi Baflkanl›¤›
yetkililerinden oluflan bir Komisyon kurulmas›na karar verilmifltir.
On the other hand, it was decided that a Commission consisting of
the authorities of the Association and Revenue Administration be
constituted for the purpose of handling the BITT problems of the
agencies.
3. Konut Finansman› Sistemi Kapsam›nda Yap›lan Sigortalarda
BSMV ‹stisnas›
Birli¤imizce TBMM Plan ve Bütçe Komisyonunda yap›lan öneri
üzerine, 5582 say›l› “Konut Finansman› Sistemine ‹liflkin Çeflitli
Kanunlarda De¤ifliklik Yap›lmas› Hakk›nda Kanun” ile 6802 say›l›
Gider Vergileri Kanununun 29uncu maddesinde de¤ifliklik yap›larak,
2499 say›l› Sermaye Piyasas› Kanununun 38/A maddesinin birinci
f›kras›nda tan›mlanan konut finansman› kapsam›nda yap›lan
sigortalarda sözleflme ve poliçe üzerinden al›nan paralar›n BSMV’den
istisna edilmesi sa¤lanm›flt›r.
Söz konusu maddede yap›lan de¤ifliklikler uyar›nca, konut finansman›
sistemi kapsam›nda yap›lacak ifllemlerde BSMV istisnas›
uygulanmas›na iliflkin aç›klamalara yer verilen 84 seri nolu Gider
Vergileri Genel Tebli¤i 17.04.2007 tarih ve 26496 say›l› Resmi
Gazete’de yay›mlanm›flt›r.
II. D‹⁄ER FAAL‹YETLER
1. TC Kimlik No’su Konusundaki Faaliyetler
Maliye Bakanl›¤› ile 10 haneli Vergi Kimlik Numaras› yerine, 11
haneli TC Kimlik numaras›n›n kullan›lmaya bafllanmas› ve bu
çerçevede 29.08.2006 tarih ve 26274 say›l› Resmi Gazete’de
yay›nlanan 3 Seri No’lu Vergi Kimlik Numaras› Genel Tebli¤i ile
ilgili görüflmeler yap›lm›flt›r. Ayr›ca, Maliye Bakanl›¤›’ndan temin
edilen “sadece bugüne kadar Vergi Kimlik No’su alm›fl gerçek
kiflilerin TC Kimlik No’sunu gösteren bilgi kütü¤ü”nü içeren CD
dileyen flirketlerimize imza karfl›l›¤› elden teslim edilmifltir. 10.07.2005
tarih ve 25871 say›l› Resmi Gazete’de yay›mlanan “Kimlik Paylafl›m›
Sistemi Uygulama Yönetmeli¤i” uyar›nca, MERN‹S veri taban›nda
yer alan ve sürekli güncellenen kimlik bilgilerine eriflim usul ve
esaslar› konusunda flirketlerimiz bilgilendirilmifltir.
3. BITT Exemption for Insurance Policies provided within the
scope of Housing Finance (Mortgage)
Upon the Association’s proposal submitted to Planning and Budgetary
Commission of the Turkish Grand National Assembly (TGNA),
Article 29 of the BITT Law number 6802 was amended by the “Law
on the Amendment of Various Laws on Housing Finance System”
number 5582; and finally the BITT exemption of the insurance
policies provided within the scope of the housing finance system
defined in the Article 38/A of the Capital Market Law number 2499
was ensured.
Following to the Mortgage Law no 5582, the Circular serial number
84 relating to the remarks on the implementation of BITT exemption
for the transactions to be performed within the scope of housing
finance system was published in the Official Journal dated 17.04.2007
and number 26496.
II. OTHER ACTIVITIES
1. Activities as regards to the Identification Numbers of Persons
Meetings were held with the Ministry of Finance on the use of 11
digit Identification number instead of 10 digit Tax Identification
Number. Within this framework, the Circular on Tax Identification
Number Serial No.3 was published in the Official Journal dated
29.08.2006 and number 26274. Furthermore the CDs provided by
the Ministry of Finance and including the Identification Numbers of
the real persons who have been given Tax Identification Number up
to now were delivered to the companies. The companies were also
informed as regards to the rules and principles of accession to
MERNIS data base to check the identification information of persons
under the “Regulation on Implementation of Identification Sharing
System” published in the Official Journal dated 10.07.2005 and
number 25871.
2. MASAK Nezdinde Yap›lan Faaliyetler
2. Works Carried out with Financial Crimes Investigation
Board (MASAK)
Maliye Bakanl›¤› Mali Suçlar› Araflt›rma Kurulu (MASAK) ile
iliflkilerin gelifltirilmesi amaçlanm›flt›r. Ülkemizin kara para aklama
ve terörün finansman›yla mücadele sistemini de¤erlendirmek üzere
OECD bünyesinde kurulan Mali Eylem Görev Gücü (FATF)
taraf›ndan gerçeklefltirilen incelemeler kapsam›nda, MASAK ile
görüfl al›flveriflinde bulunmak üzere A¤ustos ay›nda Ankara’da
MASAK Baflkanl›¤›nda yap›lan görüflmenin ard›ndan, 12 Eylül 2006
tarihinde ‹stanbul’da FATF heyeti ile bir görüflme gerçeklefltirilmifltir.
FATF raporunun olumlu ç›kmas› amac›yla MASAK taraf›ndan
Birli¤imize iletilen sorular cevaplanm›fl, FATF taslak Türkiye raporuna
gerekli ilavelerin yap›lmas› önerilmifltir.
The Association aimed at improving the relations with MASAK.
After the meeting held in MASAK Head Office in Ankara in August
for the purpose of exchanging views within the scope of the
examinations to be made by the Financial Action Task Force (FATF)
founded within the structure of OECD in order to assess the prevention
system of money laundering and financing of terrorism, a meeting
was held with FATF representatives in Istanbul on September 12,
2006. In the aftermath of the meeting, the questions delivered to the
Association by MASAK were answered and some amendments to
the draft FATF Turkey report were suggested.
Ayr›ca, MASAK taraf›ndan haz›rlanan “MASAK Yay›n No:9 fiüpheli
‹fllem Bildirim Rehberi” isimli yay›n, tüm flirketlerimize iletilmek
üzere bu Kurumdan temin edilerek flirketlerimize da¤›t›lm›flt›r.
Furthermore, “MASAK Publication No:9 on Suspicious Transactions
Reporting Guide” prepared by MASAK was acquired and delivered
to all companies.
Di¤er taraftan, 11.10.2006 tarih ve 5549 say›l› “Suç Gelirlerinin
Aklanmas›n›n Önlenmesi Hakk›nda Kanun”un uygulamas›na yönelik
olarak MASAK taraf›ndan haz›rlanan “Suç Gelirlerinin Aklanmas›n›n
ve Terörün Finansman›n›n Önlenmesine Dair Tedbirler Hakk›nda
Yönetmelik” Tasla¤›na iliflkin olarak, özellikle Tasla¤›n sigorta
ifllemlerine iliflkin spesifik düzenlemeler öngören 27nci maddesine
iliflkin görüfllerimiz MASAK’a iletilmifltir.
Furthermore, with regard to the Draft Regulation on the
implementation of the “Law on the Prevention of Laundering Proceeds
of Crime” dated 11.10.2006 and number 5549, our opinions especially
relating to article 27 of the Draft stipulating specific regulations for
the insurance transactions were delivered to MASAK.
87
2. F‹NANSAL KONULARDAK‹ FAAL‹YETLER
VE PROJELER
2. ACTIVITIES AND PROJECTS IN
FINANCIAL MATTERS
2.1. HAZ‹NE MÜSTEfiARLI⁄I NEZD‹NDE YAPILAN ÇALIfiMALAR
2.1. WORKS CARRIED OUT WITH THE UNDERSECRETARIAT
OF TREASURY
fiubat 2006 tarihinde Hazine Müsteflarl›¤› Sigortac›l›k Genel
Müdürlü¤ü yetkilileri ile Birli¤imiz yetkililerinin kat›ld›¤› ve hayat
sigortalar›nda vergisel uygulamalar›n ele al›nd›¤› toplant›da konuyla
ilgili Maliye Bakanl›¤›’na aktar›lacak önerilere iliflkin görüflmeler
yap›lm›flt›r.
Hazine Müsteflarl›¤› taraf›ndan haz›rlanan “Sigorta, Reasürans ve
Emeklilik fiirketlerinin Sermaye Yeterlili¤inin Ölçülmesine ve
De¤erlendirilmesine ‹liflkin Yönetmelik” tasla¤› ile ilgili olarak Ocak
2006 tarihinde Hazine Müsteflarl›¤› ile görüflmeler gerçeklefltirilmifltir.
Müsteflarl›kça haz›rlanan her bir taslak hakk›nda görüfl ve önerilerini
sunan Birli¤imiz, Yönetmeli¤in, Türk sigorta sektörünün gerçeklerini
de dikkate almak kayd›yla, AB uygulamalar›yla paralel flekilde
ç›kar›lmas› için çal›flmalarda bulunmufltur. Söz konusu Yönetmelik
23.03.2006 tarih ve 26117 say›l› Resmi Gazete’de yay›nlanm›flt›r.
5520 say›l› Kurumlar Vergisi Kanunu’nun yasalaflmas›n›n ard›ndan
matematik karfl›l›klar›n yat›r›ma yönlendirilmesinden elde edilen
gelirler üzerinden tevkif edilen stopajlar›n sigortal›lara da¤›t›lmas›
aflamas›nda hangi yöntemin izlenece¤ine iliflkin Sigortac›l›k Genel
Müdürlü¤ü ile görüflmeler yap›lm›fl ve yaz›l› görüfllerimiz iletilmifltir.
Finansal Analiz Oranlar›na iliflkin Genelgenin de¤ifltirilmesiyle ilgili
olarak Ankara’da Sigortac›l›k Genel Müdürlü¤ü yetkilileriyle
görüflmeler yap›larak Birli¤imizin görüflleri aktar›lm›fl ve de¤ifliklik
önerileri iletilmifltir. Bu çerçevede haz›rlanan iki tasla¤a iliflkin
görüfllerimiz yaz›l› olarak Müsteflarl›¤a gönderilmifltir.
Sigorta ve Reasürans fiirketlerinin Teknik Karfl›l›klar›na ve Bu
Karfl›l›klar›n Yat›r›laca¤› Varl›klara ‹liflkin Yönetmelik Tasla¤›na
iliflkin Sigortac›l›k Genel Müdürlü¤ü yetkilileriyle görüflmeler
yap›larak Birli¤imizin görüflleri aktar›lm›fl ve haz›rlanan her bir
tasla¤a iliflkin de¤ifliklik önerilerimiz iletilmifltir. Yönetmelik
04.05.2007 tarihli, 26512 say›l› Resmi Gazete’de yay›mlanm›flt›r.
IMF ve Dünya Bankas› taraf›ndan ortaklafla düzenlenen Mali Sektörün
De¤erlendirilmesi Program› (FSAP) çerçevesinde, Türk mali sektörü
ve bu kapsamda Türk sigorta sektörü hakk›nda Dünya Bankas› ve
IMF taraf›ndan bir rapor haz›rlanacak olup, bu kurulufllardan yetkililer
Nisan 2006 tarihinde ülkemize gelerek, sigortac›l›kla ilgili kurum,
kurulufl ve flirketleri ziyaret etmifllerdir. Bu çerçevede Birli¤imizce,
Uluslararas› Sigorta Denetçileri Birli¤i’nin bugüne kadar yay›nlad›¤›
28 adet denetim standard›n›n içeri¤ine iliflkin kapsaml› bir bilgi notu
haz›rlanarak Müsteflarl›¤a iletilmifltir. Denetimler s›ras›nda
‹ngilizcesine ihtiyaç duyulaca¤› belirtilen yasal düzenlemelerin
çevirileri de yap›larak Müsteflarl›¤a gönderilmifltir. Ayr›ca,
Birli¤imizce destek verilen ön haz›rl›klar sonras›nda, 13.04.2006
tarihinde Birli¤imizle FSAP program› çerçevesinde denetimlerini
sürdüren IMF ve Dünya Bankas› yetkilileri aras›nda Türk Sigorta
Sektörüne iliflkin bir görüflme yap›lm›flt›r.
In the meeting held on February 2006 between the General Directorate
of Insurance of the Undersecretariat of Treasury and the Association,
the proposals to be submitted to the Ministry of Finance as regards
to tax-specific practices that apply to life insurance policies were
discussed.
Meetings were held with the Undersecretariat of Treasury on January
2006 with regard to the draft “Regulation on the Measurement and
Assessment of Capital Requirements of the Insurance, Reinsurance
and Pension Companies”. The Association submitting its opinions
and proposals about each draft prepared by the Undersecretariat
exerted efforts to ensure that the Regulation was adopted parallel to
the EU practices and also by taking into account the realities of
Turkish insurance sector. The said Regulation was published in the
Official Journal dated 23.3.2006 and number 26117 in line with the
Association’s opinions.
After the enactment of the Corporate Tax Law number 5520, meetings
were held with the General Directorate of Insurance with regard to
the method to be applied at the phase of distribution of the withholdings
deducted over the incomes obtained from directing the mathematical
reserves to investment to the insured; and the Association’s opinions
were delivered.
Meetings were held with the General Directorate of Insurance with
regard to the financial ratios; the Association’s opinions and its
suggestions for amendments were submitted. Within this framework,
our opinions regarding to each draft prepared were delivered to the
Undersecretariat.
Meetings were held with the General Directorate of Insurance with
regard to the “Draft Regulation on Technical Reserves of Insurance,
Reinsurance and Pension Companies and the Assets That Such
Reserves Shall be Invested in”; the Association’s opinions were
submitted; and its suggestions for amendment for each draft prepared
were delivered. The Regulation was published in the Official Journal
dated May 4, 2007 and number 26512.
Within the framework of Financial Sector Assessment Program
(FSAP) arranged mutually by the IMF and the World Bank a report
will be mutually prepared on Turkish financial industry. Within this
scope, in order to assess the Turkish insurance industry, the authorities
of IMF and World Bank came to Istanbul in April 2006. The
Association prepared a comprehensive information note relating to
the content of 28 supervisory standards published by the International
Association of Insurance Supervisors (IAIS) and delivered to the
Undersecretariat. Some of the legal regulations were also translated
into English and sent to the Undersecretariat. Furthermore, after the
preliminary preparations supported by the Association, a meeting
on Turkish Insurance Industry was held on 13.04.2006 between the
Association and the authorities of the IMF and the World Bank
within the FSAP framework.
2. F‹NANSAL KONULARDAK‹ FAAL‹YETLER
VE PROJELER
2. ACTIVITIES AND PROJECTS IN
FINANCIAL MATTERS
2.2. AB “SOLVENCY II PROJES‹” KONUSUNDAK‹ FAAL‹YETLER
2.2. ACTIVITIES RELATING TO THE EU “SOLVENCY II PROJECT”
Avrupa Birli¤i’nde çal›flmalar› devam eden Solvency II Projesi
Birli¤imizce yak›ndan takip edilmektedir. Bu çerçevede, Birli¤imizce
konuyla ilgili çeflitli yay›nlar ve raporlar da haz›rlanmakta ve geliflmeler
Birli¤imizin web sitesinden sektöre duyurulmaktad›r.
The Association closely follows the Solvency II Project of the
European Union. The Association prepares various publications and
reports relating to it and developments are announced to the industry
in the Association’s web-site within this framework.
Ayr›ca, Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA)
Ekonomi ve Finans Komitesi (ECOFIN) toplant›lar›na da kat›lan
Birli¤imiz, CEA arac›l›¤›yla Solvency II ile ilgili Avrupa çap›nda
görüfl oluflturulmas› çal›flmalar›na destek vermektedir. Bu sürece
daha fazla katk›da bulunmak ve flirketlerimizin görüfl ve önerilerinin
dikkate al›nmas›n› sa¤lamak üzere Birli¤imiz nezdinde “Solvency
II Komitesi” kurulmufltur. Hayat ve hayat-d›fl› branfllarda çal›flan
flirketlerimizden gelen isimler do¤rultusunda konunun uzmanlar›ndan
kurulan ve Solvency II Projesi tamamlanana kadar çal›flmalar›na
devam edecek olan 10 kiflilik Komite, ilk toplant›s›n› 13 Haziran
2006 günü yaparak çal›flmalar›na bafllam›flt›r.
Furthermore, the Association is also participating in the meetings of
the Economy and Finance Committee (ECOFIN) of the European
Insurance and Reinsurance Federation (CEA) and supports its efforts
of forming opinions relating to Solvency II. In order to contribute
to this process, to ensure that the opinions and suggestions of the
companies are taken into consideration and to inform the Turkish
insurance sector, the “Solvency II Committee” has been founded
under the umbrella of the Association. The Committee consisting of
10 persons working in life and non-life branches and specialized in
capital requirements regulations, started its activities on June 2006.
The Committee shall maintain its activities until Solvency II Project
is completed.
Bu çerçevede, sermaye gereklili¤iyle ilgili Standart Yaklafl›ma
(Standard Approach) iliflkin sektör ad›na görüfl oluflturulmufl ve CEA
taraf›ndan konuya iliflkin gönderilen soru formlar› doldurulmufltur.
Ayr›ca, Solvency II Direktifi ile birlikte yay›nlanacak olan Etki
De¤erlendirme Raporunda, flirketlerimizin de görüfllerinin dikkate
al›nmas›n› ve Solvency II uygulamalar›n›n Türk sigorta sektörüne
olan etkilerinin görülebilmesini teminen, flirketlerimizin online Etki
De¤erlendirme anketine kat›lmas› sa¤lanm›flt›r. Mart 2007 tarihinde
Avrupa Komisyonunca haz›rlanan taslak Direktifler Komite ile de
paylafl›lm›flt›r.
2.3. D‹⁄ER FAAL‹YETLER
2.3.1. IAIS ile ‹lgili Faaliyetler ve Yay›nlar
Birli¤imiz gözlemcisi oldu¤u Uluslararas› Sigorta Denetçileri Birli¤i
(IAIS) taraf›ndan yap›lan çal›flmalar› yak›ndan takip ederek, Ekim
2006 tarihinde kabul edilenler de dahil olmak üzere IAIS
standartlar›n›n özet çevirilerini yaparak Hazine Müsteflarl›¤›’na
sunmufltur.
Ayr›ca, “Sigorta Araflt›rma ve ‹nceleme Yay›nlar›” dizisinin
dokuzuncu kitab› olan “Avrupa Birli¤i ve Türk Sigorta Sektöründe
Denetim” adl› kitap yay›nlanm›flt›r. Çal›flmada, Uluslararas› Sigorta
Denetçileri Birli¤i (IAIS) taraf›ndan sigorta sektöründe kamu
denetimine iliflkin olarak oluflturulan küresel standartlar ile Avrupa
Birli¤i’nde ve ülkemizde sigorta sektöründe kamu denetimine,
ba¤›ms›z denetime ve iç denetime iliflkin oluflturulan kurum, kurulufl
ve standartlar aç›klanm›flt›r.
2.3.2. Türkiye Muhasebe Standartlar› Kurulu (TMSK) Nezdinde
Yap›lan Faaliyetler
Türkiye Muhasebe Standartlar› Kurulu (TMSK) taraf›ndan yay›nlanan
“sigorta sözleflmeleri TFRS 4” nolu standard›n tasla¤›na iliflkin
Birli¤imizin görüflleri TMSK’ya iletilmifltir. Ayr›ca Birli¤imiz Nisan
2006 tarihinde Ankara’da yap›lan TMSK tan›t›m toplant›s›na da
kat›lmak suretiyle, Türk Ticaret Kanunu’nun yasalaflmas›yla birlikte
muhasebe standartlar›n›n oluflturulmas›nda yetkili tek otorite haline
gelecek olan TMSK ile yak›n iliflkilerini sürdürmektedir. Bu çerçevede
28 Aral›k 2006 tarihinde TMSK Genel Sekreteri makam›nda ziyaret
edilerek TMSK taraf›ndan yay›nlanan muhasebe standartlar› ve bu
standartlar›n sigorta sektörüne de uygulanmas› konular›nda görüfl
al›flveriflinde bulunulmufltur.
Within this framework, the Committee set forth an opinion on the
Standard Approach relating to the capital requirement and the CEA
questionnaires related to it were filled in. Furthermore, it was ensured
that the companies took part in the online Impact Assessment Survey
for their views to be taken into account for the Impact Assessment
Report to be published by the European Commission along with
Solvency II Directive.
2.3. OTHER ACTIVITIES
2.3.1. Activities and Publications relating to IAIS
The Association closely followed the efforts of the International
Association of Insurance Supervisors (IAIS) as its observer, and
prepared brief translations of IAIS standards, including those approved
on October 2006, and delivered them to the Undersecretariat of
Treasury.
Furthermore a book named “Supervision in the European Union and
Turkish Insurance Sector” was published. The book explains the
global insurance supervision standards established by the International
Association of Insurance Supervisors (IAIS), and institutions and
standards relating to supervision, independent auditing and internal
auditing in the EU and Turkish insurance sector.
2.3.2. Works Carried out with Turkish Accounting Standards
Board (TASB)
The Association’s opinions relating to the draft standard on “IFRS
4: insurance contracts” published by Turkish Accounting Standards
Board (TASB) were delivered to TASB. Furthermore, having
participated in TASB introductory meeting held on April 2006 in
Ankara, the Association maintains close relations with TASB that
shall become the sole authority for the establishment of accounting
standards by the enactment of the Turkish Commercial Code. Within
this framework, the Association paid a visit to the TASB Secretary
General and exchanged views on the implementation of the accounting
standards published by TASB in the insurance sector.
89
KONFERANSLAR VE
YAYINLAR
CONFERENCES AND
PUBLICATIONS
91
1. DÜZENLENEN TOPLANTI, KONFERANS
VE SEMPOZYUMLAR
1. MEETINGS, CONFERENCES AND
SYMPOSIUM ORGANIZED
Sigorta uygulamalar›n›n niteli¤inin art›r›lmas› amac›yla; sektörün
güncel konular›n›n tart›fl›ld›¤› ve konuyla ilgili uzmanlar›n sunum
yapt›¤›, “Türkiye’nin AB’ye Tam Üyeli¤ine Do¤ru Türk Sigorta
Sektörünün Öncelikli Sorunlar›” isimli toplant›lar dizisine 2006 y›l›
içerisinde de devam edilmifl, bu kapsamda iki toplant› düzenlenmifltir.
2006 y›l› içerisinde gerçeklefltirilen toplant›lar›n konu bafll›klar›
flunlard›r:
In order to improve the quality of insurance practices, the series of
meetings entitled "Primary Problems of the Turkish Insurance Sector
throughout Turkey’s EU Membership” continued in 2006. In these
meetings, problematic issues on the insurance agenda were discussed
and presentations were made by leading experts in the field. The two
meetings held within this scope in 2006 have been as follows:
- “Mortgage Sigorta Ürünleri” – 08.02 2006
- “Konut Finansman› Kanun Tasar›s›n›n De¤erlendirilmesi” –
31.03.2006
03.03.2006 tarihinde, Alt› Nokta Körler Derne¤i ile iflbirli¤i içerisinde,
dernek üyeleri ve di¤er görme özürlülere yönelik “Sigorta Tan›t›m›
ve Engellilerin Sorunlar›” bafll›kl› bir seminer düzenlenmifltir. Üç
oturumdan oluflan seminere milletvekilleri, akademisyenler ve çok
say›da davetli kat›lm›flt›r.
- "Mortgage Insurance Products" - 08.02.2006
- "Assessment of Draft Law on Housing Finance" - 31.03.2006
In cooperation with Alt› Nokta Körler Derne¤i (Association Six
Points for the Blind), a seminar on “Insurance and Problems
Encountered by the Disabled” was held on 3 March 2006 for the
members of the association and blind people. Parliament members,
academicians and many guests participated to the seminar, which
consisted of three sessions.
16.05.2006 tarihinde, Lütfi K›rdar Kongre ve Sergi Saray›’nda
“Küresel Sigorta Piyasalar› ve Türk Sigorta Sektörünün Rekabet
Gücü” konulu ‹kinci Ulusal Sigorta Sempozyumu gerçeklefltirilmifltir.
Sempozyuma, sigortac›l›kla ilgili tüm çevreler, bas›n mensuplar›,
sektör çal›flanlar› ve çok say›da davetli kat›lm›flt›r. Aç›l›fl konuflmalar›
TSRfiB Yönetim Kurulu Baflkan› Say›n Hulusi Taflk›ran ve Hazine
Müsteflar Yard›mc›s› Say›n Burhanettin Aktafl taraf›ndan yap›lan
sempozyumdaki oturum bafll›klar› ise flöyledir: “Türk Sigorta
Sektörünün Rekabet Gücü ve Küresel Sigorta Piyasalar›nda Rekabet
Sorunlar›”, “Rekabet Gücünü Artt›r›c› Önlemler: Sorumluluk
Sigortalar›”, “Sigorta Sektörünün Rekabet Gücünün Artt›r›lmas›nda
Hayat ve Sa¤l›k Sigortalar›n›n Rolü”, “Sigorta Sektörünün Rekabet
Gücünün Artt›r›lmas›nda Arac›lar ve Di¤er Aktörlerin Rolü”.
On 16 May 2006, the Second National Insurance Symposium "Global
Insurance Markets and the Competitiveness of the Turkish Insurance
Industry" was held at Lütfi K›rdar Conference and Exhibition Center.
All insurance environs, members of the press, employees of the
industry and many guests participated to the symposium. Opening
speeches were made by Mr. Hulusi Taflk›ran, Chairman of the
Association of the Insurance and Reinsurance Companies of Turkey
(TSRfiB) and Mr. Burhanettin Aktafl, Deputy Undersecretary of
Treasury. The sessions of the symposium were as follows:
"Competitiveness of the Turkish Insurance Sector and Competition
Problems in Global Insurance Markets", "Measures to Increase
Improving the Competitive Power of the Insurance Sector", "Role
of Intermediaries and Other Players in Improving the Competitive
Power of the Insurance Sector".
15–17 Haziran 2006 tarihleri aras›nda Avrupa Sigorta ve Reasürans
Federasyonu (CEA) taraf›ndan her y›l Haziran ay›nda bütün Avrupal›
üye ülkelerin kat›l›m›yla düzenlenen Genel Kurul toplant›lar›,
‹stanbul’da, Ceylan Inter-Continental Otel’de, Birli¤in ev sahipli¤inde
gerçeklefltirilmifltir. ‹stanbul’da 53üncüsü düzenlenen CEA Genel
Kurul Toplant›lar›’n›n ilk gününde CEA Baflkanlar Konseyi Toplant›s›,
CEA Genel Direktörler Toplant›s› ve Delegasyon Baflkanlar›
Toplant›lar› gerçeklefltirilmifl, bu toplant›larda CEA’n›n 2007 y›l›
stratejileri, Avrupa sigorta sektörünün gündemini belirleyen temel
konulara iliflkin politikalar›, komitelerin gerçeklefltirdi¤i çal›flmalar
kapsaml› olarak ele al›nm›flt›r. Toplant›lar›n ikinci günü ise, CEA
Genel Kurul Toplant›s›yla bafllam›fl, gündemdeki konular ile CEA’n›n
2006–2007 Stratejik Plan› ve Bütçesi üyelerin onay›na sunulmufltur.
General Assembly Meetings organized every year in June by the
European Insurance and Reinsurance Federation (CEA) with the
participation of all European member countries was held between
June 15 and 17, 2006, at Ceylan Inter-Continental Hotel, in Istanbul.
On the first day of the 53rd CEA General Assembly Meetings; CEA
Presidential Council Meeting, CEA DG Conference Meeting and
Committee Chairpersons Meeting were held; 2007 strategies of CEA,
its policies on the basic issues defining the agenda of the European
insurance industry, activities of the committees were discussed
comprehensively. On the second day of the meetings, CEA General
Assembly Meeting was held, the items on the agenda and CEA's
2006-2007 Strategic Plan and Budget were submitted for approval
of the members.
Birlik ev sahipli¤inde büyük bir baflar›yla gerçeklefltirilen CEA 2006
y›l› Genel Kurul Toplant›s› sonras›nda CEA üst düzey yönetimi
gerek yaz›l› gerekse sözlü olarak Birli¤e teflekkürlerini sunmufltur.
CEA yöneticileri CEA Genel Kurul Toplant›lar› içinde en mükemmel
organize edilen toplant›n›n Birlik ev sahipli¤inde gerçeklefltirildi¤ini
önemle vurgulam›flt›r.
CEA executives and participants from European associations expressed
their gratitude for the organization of a successful and remarkable
CEA 2006 General Assembly.
Birlik, sigorta sektöründeki güncel konular› ve ilgili konularda
gerçeklefltirdi¤i ve/veya gerçeklefltirece¤i çal›flmalar› sektörle
paylaflmak amac›yla, 16.02.2007 tarihinde Ramada Plaza Otel’de
“Sigortac›l›k Sektör Toplant›s›” ad› alt›nda bir toplant› düzenlemifltir.
"Insurance Sector Meeting 2006" was organized by the Association
on 16 February 2007, at Ramada Plaza Hotel, aiming to inform the
industry about the current issues in the insurance industry and efforts
exerted/to be exerted for relevant issues.
2. YAYINLAR
2. PUBLICATIONS
Türkiye’de sigortac›l›¤›n geliflimine katk›da bulunmak, bu alandaki
güncel konular›n› ele alarak, sektörü ve kamuoyunu bilgilendirmek
amac›yla haz›rlanan “Birlik’ten Dergisi”; 2006 y›l›nda, ‹ncelemeAraflt›rma, Söylefli, Türkiye'de Sigorta E¤itimi, AB ve Sigortac›l›k
gibi birçok bölümün yer ald›¤› yeni içeri¤iyle, fiubat, May›s, A¤ustos
ve Kas›m aylar›nda olmak üzere, dört kez yay›mlanm›flt›r. Dergi,
sigorta flirketlerinden üniversitelere, kamu kurumlar›ndan sivil toplum
kurumlar›na kadar toplumun sigorta ile ilgili tüm kesimlerine
ulaflt›r›lm›flt›r.
“Birlik’ten”, the quarterly publication of the Association, which aims
at contributing to the development of insurance in Turkey and
informing the sector and public by focusing on the main issues on
the agenda, was published in February, May, August and November
2006. The sections of “Birlik’ten” were reorganized and new sections
were added such as “EU and Insurance”, “Insurance Education in
Turkey” and “Research, Studies and Interviews”. The periodical was
delivered to all insurance environs ranging from insurance companies
to universities, public institutions to non-governmental organizations.
Temmuz-2006’da, ülkemizin çeflitli üniversitelerinden
akademisyenlerin, sigorta flirketlerinde ve sigortac›l›k ile ilgili
kurumlarda görev yapan uzmanlar›n haz›rlam›fl olduklar› çal›flmalardan
oluflan ve özellikle sektörün gündemindeki gerek teknik, gerek teorik
konular›n incelendi¤i bir kaynak niteli¤inde olan, “Sigorta
Araflt›rmalar› Dergisi”nin ikinci say›s› yay›mlanm›fl ve sigortac›l›k
ile ilgili tüm çevrelere ulaflt›r›lm›flt›r.
The second edition of the “Insurance Studies Periodical” was published
in July 2006 and delivered to all insurance environs. The periodical
enshrines articles relating to technical and theoretical studies on
insurance conducted by academicians from universities around Turkey
and insurance experts and executives.
2006 y›l› içerisinde, sigortac›l›k sektörünün, rekabet seviyesinin
art›r›labilmesi aç›s›ndan önem tafl›yan konularda, geliflmifl ülkelerin
ve ülkemizin sigorta sektörlerini inceleyen ve Türk sigorta sektörünü
geliflmifl ülkeler ile mukayese ederek, geliflimi için çözüm önerileri
sunan çal›flmalardan oluflan, “Sigorta Araflt›rma ve ‹nceleme Yay›nlar›”
adl› araflt›rma dizisinden yedi yeni kitap ç›km›flt›r. Bu kitaplar flöyle
s›ralanmaktad›r:
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-III: “Sigorta Sektöründe
Uluslararas› Finansal Raporlama Standartlar›: Kurumlar ve
Standartlar›n Özetleri”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-IV: “Sigorta Konusunda
Ortaya Ç›kan Uyuflmazl›klar›n Alternatif Yöntemlerle Çözümü
(ADR): Avrupa Uygulamalar›”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-V: “Avrupa Birli¤i ve
Türk Sigorta Muhasebesi: Uluslararas› Finansal Raporlama
Standartlar›yla Karfl›laflt›rmal›”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VI: “Sigorta fiirketlerinin
Mali Analizi - Erken Uyar› Sistemi ve Derecelendirme (Rating)”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VII: “Mortgage ve
Mortgage Sigortalar›”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VIII: “Avrupa Birli¤i’nde
Sigorta Arac›lar› Sigorta Arac›l›¤›na ‹liflkin 2002/92/EC say›l› Avrupa
Parlamentosu ve Konsey Direktifi”
• Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-IX: “Avrupa Birli¤i ve
Türk Sigorta Sektöründe Denetim”
In 2006, seven new books were published as part of the “Research
and Studies on Insurance” series consisting of the studies analyzing
the insurance industries of developed countries and Turkey and
suggesting solutions for development comparing Turkish insurance
industry with the insurance industries of developed countries. These
books are as follows:
• Research and Studies on Insurance-III: “International Financial
Reporting Standards in the Insurance Sector: Institutions and
Summaries of the Standards”
• Research and Studies on Insurance-IV: “Alternative Dispute
Resolution in the Insurance Solution of the Insurance Specific
Conflicts by Alternative Methods (ADR): Practices in the European
Union”
• Research and Studies on Insurance-V: “European Union and
Turkish Insurance Accounting: In Comparison with International
Financial Reporting Standards”
• Research and Studies on Insurance-VI: “Financial Analysis of
Insurance Companies-Early Warning System and Rating”
• Research and Studies on Insurance-VII: “Mortgage and Mortgage
Insurance Products”
• Research and Studies on Insurance-VIII: “Insurance
Intermediation in the European Union- European Parliament and
Council Directive 2002/92/EC on Insurance Intermediation”
• Research and Studies on Insurance-IX: “Supervision in the
European Union and Turkish Insurance Sector”
Birlik taraf›ndan gerçeklefltirilen ulusal ve uluslararas› sempozyum,
seminer ve toplant›larda sunulan tebli¤ler ile yap›lan di¤er
konuflmalar›n, toplant›ya kat›lamayan sektör temsilcilerine ve tüm
ilgililere aktar›labilmesi ve sigortac›l›k konusunda Türkçe kaynak
s›k›nt›s› yaflayan çevrelerin ihtiyaçlar›n›n karfl›lanabilmesi amac›yla,
toplant› kay›tlar› kitap olarak yay›mlanm›fl ve ilgili çevrelere ücretsiz
olarak gönderilmifltir. Bu kapsamda 2006 y›l› içerisinde yay›mlanan
kitaplar flöyle s›ralanmaktad›r:
Meeting records were transcribed and compiled in books in order to
communicate the presentations and speeches made during national
and international symposiums, seminars and meetings organized by
the Association, to the representatives of the industry and all relevant
parties who could not participate in the meetings and to meet the
requirements of the milieus facing lack of resources in Turkish.
These books were delivered to all insurance environs free of charge.
The books published in 2006 within this framework are as follows:
93
2. YAYINLAR
2. PUBLICATIONS
- TSRSB-World Bank 1.International Insurance Symposium
‘’Insurance and Reinsurance For Natural Catastrophe Risk’’ Kitab›
(‹ngilizce)
- TSRfiB-World Bank First International Insurance Symposium
"Insurance and Reinsurance for Natural Catastrophe Risk" Book
(English)
- TfiRfiB-Dünya Bankas› ‘’Do¤al Afet Riskleri için Sigorta ve
Reasürans’’ I. Uluslararas› Sigorta Sempozyumu Kitab›
- TSRfiB-World Bank First International Insurance Symposium
"Insurance and Reinsurance for Natural Catastrophe Risk" Book
(Turkish)
- Türkiye’nin Avrupa Birli¤ine Tam Üyeli¤ine Do¤ru, Türk Sigorta
Sektörünün Öncelikli Sorunlar› Toplant›lar› IV-V ‘’Mortgage Sigorta
Ürünleri’’ – ‘’Konut Finansman› Kanunun Tasar›s›n›n
De¤erlendirilmesi’’ Kitab›
- CEA - TSRfiB Ortak Konferans› Sigorta Sektörü: Avrupa Toplumu
ve Ekonomisinin Karfl› Karfl›ya Bulundu¤u Sorunlara Çözüm Önerileri
/ CEA - TSRfiB Joint Conference The Insurance Industry: Meeting
New Challenges Facing European Society And Economy (Türkçe‹ngilizce)
- II. Ulusal Sigorta Sempozyumu “Küresel Sigorta Piyasalar› ve Türk
Sigorta Sektörünün Rekabet Gücü” Kitab›
Türk sigorta sektörünün Avrupa Birli¤i tek sigorta piyasas›na uyum
sürecinde, toplumda sigortayla ilgili tüm taraflar›n, özellikle sigorta
flirketi çal›flanlar›n›n bilgilendirilmesi amac›yla yürütülen çal›flmalar
“15 Soruda Avrupa Birli¤i ve Avrupa Tek Sigorta Piyasas›” bafll›kl›
bir kitapç›k alt›nda yay›mlanm›flt›r. Kitapç›k, Avrupa Birli¤i ve Tek
Sigorta Piyasas› hakk›nda en çok merak edilen konular› 15 soru
bafll›¤›nda mercek alt›na alm›flt›r.
- "Priority Issues of the Turkish Insurance Industry Towards Turkey's
Membership to the European Union Meetings" IV-V "Mortgage
Insurance Products" - "Assessment of Draft Law on Housing Finance"
Book
- TSRfiB-CEA Joint Conference Insurance Industry: Meeting New
Challenges Facing European Society and Economy (Turkish-English)
- Second National Insurance Symposium "Global Insurance Markets
and the Competitiveness of the Turkish Insurance Industry" Book
The Association prepared a booklet entitled "European Union and
EU Single Insurance Market in 15 Questions" within the framework
of its efforts aiming at informing all relevant parties, especially the
employees of insurance companies during the Turkish insurance
market's harmonization process with the EU Single Insurance Market.
The main issues of concern about the EU and the single insurance
market were discussed under 15 questions in the booklet.
3. D‹⁄ER FAAL‹YETLER
3. OTHER ACTIVITIES
2006 y›l›nda da, sigorta e¤itiminin niteli¤inin art›r›lmas› amac›yla,
sigortac›l›k meslek yüksekokullar›nda ve sigorta ile ilgili di¤er
yüksekö¤retim kurumlar›nda, “Sigorta E¤itim Seminerleri” ismi
alt›nda, seminerler düzenlenmeye devam edilmifltir. Seminerlerde;
Türk sigorta sektörü, sektörde insan kaynaklar›, DASK ve bireysel
emeklilik sistemleri, Avrupa Birli¤i tek sigorta piyasas›, Türk sigorta
sektörünün kurumlar›, yap›s› ve geliflimi, Türk finans sektörüne
Atatürk’ün etkisi, Avrupa tek finansal piyasas› ve Avrupa Birli¤i’nin
yap›s› ve kurumlar› konular›na iliflkin sunumlar gerçeklefltirilmifltir.
Söz konusu Üniversiteler flunlard›r:
Organization of “Insurance Training Seminars” continued also in
2006 in vocational schools and other higher education institutions
pertaining to insurance for the purpose of the improvement of the
quality of insurance education. During the seminars, presentations
relating to human resources in the industry; TCIP (Turkish Catastrophe
Insurance Pool); the private pension system; single European Union
insurance market; institutions, structure and development of the
Turkish insurance industry; Atatürk’s contribution to the Turkish
finance sector; single European financial market and the structure
and institutions of the European Union were made. The abovementioned universities and insurance schools are as follows:
- 10 Mart 2006’da, Adnan Menderes Üniversitesi Yenipazar Meslek
Yüksekokulu,
- 05 Nisan 2006’da, ‹stanbul Üniversitesi Sosyal Bilimler Meslek
Yüksekokulu,
- 13 Nisan 2006’da, Kocaeli Üniversitesi Kand›ra Meslek
Yüksekokulu,
- 20 Nisan 2006’da, Celal Bayar Üniversitesi Demirci Meslek
Yüksekokulu,
- 2 May›s 2006'da, Uluda¤ Üniversitesi Sosyal Bilimler Meslek
Yüksekokulu,
- 26 May›s 2006'da, Gaziantep Üniversitesi Gaziantep Meslek
Yüksekokulu,
- 2 Kas›m 2006’da, Giresun Üniversitesi Tirebolu Meslek
Yüksekokulu,
- 3 Kas›m 2006’da, Karadeniz Teknik Üniversitesi Vakf›kebir
Meslek Yüksekokulu,
- 22 Kas›m’da 2006’da, Hacettepe Üniversitesi Fen Fakültesi
Aktüerya Bölümü.
Türk sigorta sektörünün istihdam yap›s›n›n niteli¤inin artt›r›lmas›
için, Türkiye’deki sigorta e¤itiminin niteli¤inin artt›r›lmas› projesi
kapsam›nda, sigorta flirketlerinin üst düzey yöneticileri nezdinde
gerçeklefltirilen anket çal›flmas› tamamlanm›flt›r.
- Adnan Menderes University, Vocational College of Yenipazar, on
March 10, 2006,
- Istanbul University, Vocational College of Social Sciences, on
April 5, 2006,
- Kocaeli University, Vocational College of Kand›ra, on April 13,
2006,
- Celal Bayar University, Vocational College of Demirci, on April
20, 2006,
- Uluda¤ University, Vocational College of Social Sciences, on May
2, 2006,
- Gaziantep University, Vocational College of Gaziantep, on May
26, 2006,
- Giresun University, Vocational College of Tirebolu, on November
2, 2006,
- Black Sea Technical University, Vocational College of Vakf›kebir,
on November 3, 2006,
- Hacettepe University, Faculty of Science, Actuarial Department,
on November 22, 2006.
The survey aiming at top executives of the insurance industry
conducted within the scope of the project of improvement of the
quality of the insurance education in Turkey for the improvement of
Turkish insurance industry’s employment structure quality was
completed.
95
EK
S‹GORTA VE REASÜRANS
fi‹RKETLER‹N‹N ‹S‹M VE
ADRESLER‹
ANNEX
NAMES AND ADRESSES OF
THE INSURANCE AND
REINSURANCE
COMPANIES
97
S‹GORTA fi‹RKETLER‹
INSURANCE COMPANIES
fiirket Ad›
Company Name
ACIBADEM SA⁄LIK VE HAYAT S‹GORTA A.fi.
Adres
Telefon-Faks No.
Address
‹nternet Adresleri
Telephone-Fax No.Web Sites
Tel.: 0216 571 55 55
Faks: 0216 571 55 56
www.acibademsigorta.com.tr
Saniye Ermutlu Sok. Çolako¤lu
Plaza No.12
Kozyata¤› / ‹STANBUL
AIG S‹GORTA A.fi
Emirhan cad.Atakule K.6-7 A Blok
Dikilitafl / ‹STANBUL
ANADOLU ANON‹M TÜRK S‹GORTA fi‹RKET‹
Büyükdere Cad. ‹fl Kuleleri Kule 2,
Kat.21-26 34330
4.Levent/ ‹STANBUL
Tel.: 0212 236 49 49
Faks: 0212 236 49 50
www.aig.com
Tel.: 0212 393 43 00
Faks: 0212 243 08 61
www.aksigorta.com.tr
Tel.: 0212 393 33 00
Faks: 0212 393 34 99
www.akemeklilik.com.tr
Tel.: 0212 345 02 20
Faks: 0212 345 02 12
www.alico-measa.com
Tel.: 0212 350 03 50
Faks: 0212 350 03 55
www.anadolusigorta.com.tr
AKS‹GORTA A.fi
Meclisi Mebusan Cad. 147 34427
F›nd›kl› / ‹STANBUL
ANADOLU HAYAT EMEKL‹L‹K A.fi.
Büyükdere Cad.‹fl Kuleleri Kule 2,
Kat.17-18-19-20 34330
4.Levent/ ‹STANBUL
Tel.: 0212 317 70 70
Faks: 0212 317 70 77
www.anadoluhayat.com.tr
ANKARA ANON‹M TÜRK S‹GORTA fi‹RKET‹
Abide-i Hürriyet Cad. No.285
Bolkan Center A-Blok
Ka.2-3-4 34381 fi‹fiL‹ / ‹STANBUL
Tel.: 0212 224 01 01
Faks: 0212 291 88 03
www.ankarasigorta.com.tr
ANKARA EMEKL‹L‹K A.fi
Abide-i Hürriyet Cad. No.285
Bolkan Center A-Blok
Ka.2-3-4 34381 fi‹fiL‹ / ‹STANBUL
Tel.: 0212 233 06 06
Faks: 0212 291 06 22
www.ankaraemeklilik.com.tr
AVIVA S‹GORTA A.fi
Fahretin Kerim Gökay Cad. No.172
Küçükçaml›ca 32662
Üsküdar / ‹STANBUL
Tel.: 0216 326 94 40
Faks: 0216 325 86 40
www.avivasigorta.com.tr
‹nkilap Mah.Küçüksu Cad.Akçakoca
Sok. No.8 Üsküdar / ‹STANBUL
Tel.: 0216 633 33 33
Faks: 0216 634 38 88
www.aviva.com.tr
Tel.: 0212 334 24 24
Faks: 0212 252 15 15
www.axaoyak.com.tr
Tel.: 0212 334 24 24
Faks: 0212 252 15 15
www.axaoyak.com.tr
Sigorta A.fi
AKEMEKL‹L‹K A.fi
AMERICAN LIFE HAYAT S‹GORTA A.fi
Sigorta
AVIVA HAYAT VE EMEKL‹L‹K A.fi
‹nönü Cad. No. 80 Gümüflsuyu
Taksim / ‹STANBUL
Eski Büyükdere Cad.Park Plaza
No.22 Kat.2 Maslak / ‹STANBUL
AXA OYAK S‹GORTA A.fi
Meclisi Mebusan Cad. No.81 34433
Sal›pazar› / ‹STANBUL
AXA OYAK HAYAT A.fi
Meclisi Mebusan Cad. No.81 34433
BAfiAK GROUPAMA S‹GORTA A.fi
Halaskargazi Cad. No:15
34373 Harbiye/‹STANBUL
Tel.: 0212 231 60 00
Faks: 0212 230 76 04-05
www.basak.com.tr
Halaskargazi Cad. No:15 34373
Harbiye/‹STANBUL
Tel.: 0212 368 22 00
Faks: 0212 232 10 30
www.basakemeklilik.com.tr
Yaflar Holding ‹fl Merkezi Ömer
Avni Mah. ‹nebolu Sok. No.23
Setüstü - Kabatafl / ‹STANBUL
Tel.: 0212 368 22 00
Faks: 0212 232 10 30
www.batisigorta.com.tr
B‹RL‹K S‹GORTA A.fi
Ankara Cad. No.1 34430
Hocapaflhamam› Sok.
Sirkeci / ‹STANBUL
Tel.: 0212 513 84 86
Faks: 0212 249 33 84
www.birliksigorta.com
B‹RL‹K HAYAT S‹GORTA A.fi
Ankara Cad.126/B 34430
Sirkeci / ‹STANBUL
Tel.: 0212 513 84 86
Faks: 0212 249 33 84
www.birlikhayatsigorta.com
COFACE S‹GORTA A.fi.
Büyükdere Cad. Yap› Kredi Plaza
B Blok Kat 6 Levent / ‹STANBUL
Tel.: 0212 385 99 00
Faks: 0212 269 33 95
www.coface.com
DEM‹R S‹GORTA A.fi
Büyükdere Cad. Özsezen ‹fl Merkezi
122/B 34492 Esentepe / ‹STANBUL
Tel.: 0212 288 68 44
Faks: 0212 274 22 98
www.demirsigorta.com
BAfiAK GROUPAMA EMEKL‹L‹K A.fi
BATI S‹GORTA A.fi
fiirket Ad›
Company Name
INSURANCE COMPANIES
Adres
Address
Telefon-Faks No.
DEM‹R HAYAT S‹GORTA A.fi
‹SV‹ÇRE S‹GORTA A.fi
‹SV‹ÇRE HAYAT S‹GORTA A.fi
F‹NANS S‹GORTA A.fi
FORT‹S EMEKL‹L‹K VE HAYAT A.fi
GARANT‹ S‹GORTA A.fi
GARANT‹ EMEKL‹L‹K VE HAYAT A.fi
GENEL YAfiAM S‹GORTA A.fi
GENERALI S‹GORTA A.fi
GLOBAL HAYAT S‹GORTA A.fi
S‹GORTA
Büyükdere Cad.122/B
34492 Esentepe / ‹STANBUL
Tel.: 0212 288 68 51
Faks: 0212 274 65 85
www.demirhayat.com
K›s›kl› Cad. No:30 34662
Altunizade/‹STANBUL
Tel.: 0216 474 20 00
Faks: 0216 474 13 87
www.ergoisvicre.com.tr
Kofluyolu Tophanelio¤lu Cad.
‹smail Zühtü Pafla Kona¤› No:11
Altunizade/‹STANBUL
Tel.: 0216 544 00 00
Faks: 0216 544 00 10
www.isvicrehayat.com.tr
Rüzgarli Bahçe Cumhuriyet
Cad.No.10 Acarlar ‹fl Merkezi
C Blok Kavac›k-Beykoz / ‹ST
Tel.: 0216 522 38 00
Faks: 0216 522 38 43
www.finanssigorta.com.tr
Tekfen Tower Eski Büyükdere Cad.
No.209 34394 4.Levent/ ‹STANBUL
Tel.: 0212 319 32 20
Faks: 0212 357 00 90
www.fortisemeklilik.com.tr
Mete Cad. Park Han No.40 34437
Taksim / ‹STANBUL
Tel.: 0212 393 10 00
Faks: 0212 249 01 04
www.garanti-sigorta.com.tr
Mete Cad. No.38
34437 Taksim / ‹STANBUL
Tel.: 0212 334 70 00
Faks: 0212 292 37 00
www.garantiemeklilik.com.tr
Meclisi Mebusan Cad. No.89 Dursun
Han K.4 34433
Tel.: 0212 334 62 00
Faks: 0212 334 62 60
www.genelyasam.com.tr
Bankalar Cad. Generali Han 31/33
K.5 34420 Karaköy / ‹STANBUL
Tel.: 0212 251 27 88
Faks: 0212 252 18 38
www.generali.com.tr
R›ht›m Cad. No.57 34425
Karaköy / ‹STANBUL
Tel.: 0212 243 50 50
Faks: 0212 243 50 51 - 52
www.globalhayat.com.tr
Tel.: 0212 355 65 65
Faks: 0212 355 64 64
www.gunessigorta.com.tr
GÜNEfi S‹GORTA A.fi
Büyükdere Cad. Günefl Plaza No.110
34397 Esentepe / ‹STANBUL
GÜVEN S‹GORTA A.fi
Bankalar Cad. No.81 34420
Tel.: 0212 254 79 00/14
Faks: 0212 255 58 88
www.guvensigorta.com
GÜVEN HAYAT S‹GORTA A.fi
Bankalar Cad. No.81 34420
Tel.: 0212 254 79 00/14
Faks: 0212 255 58 88
www.guvenhayat.com.tr
Büyükdere Cad. Cem ‹fl Merkezi No: 23
Kat: 7- 8 - 9 fiiflli / ‹STANBUL
Tel.: 0212 368 60 00
Faks: 0212 368 60 10
www.hdisigorta.com.tr
Büyükdere Cad.Hür Han No. 15/A
34381 fiiflli / ‹STANBUL
Tel.: 0212 232 20 10/8
Faks: 0212 246 36 73 - 05 68
www.hursigorta.com.tr
Sultanhamam Hobyar Mah.
Hocahan› Sok. 18/30 Dirihan
No.1107-1108 Eminönü / ‹STANBUL
Tel.: 0212 526 70 08
Faks: 0212 526 70 09
www.intersigorta.com
IfiIK S‹GORTA A.fi
Fevzi Çakmak cad. Do¤an Sok.No.8
Maltepe / ‹STANBUL
Tel.: 0216 427 47 57
Faks: 0216 427 47 74
www.isiksigorta.com
KOÇ ALLIANZ S‹GORTA A.fi
Ba¤larbafl› K›s›kl› Cad. No.11 34662
Altunizade / ‹STANBUL
Tel.: 0216 556 66 66
Faks: 0216 556 67 77
www.kocallianz.com.tr
Ba¤larbafl› K›s›kl› Cad. No.11
Altunizade 34662
Üsküdar/ ‹STANBUL
Tel.: 0216 556 66 66
Tel.: 0216 556 67 77
www.kocallianz.com.tr
HDI S‹GORTA A.fi
HÜR S‹GORTA A.fi
INTER S‹GORTA A.fi
KOÇ ALLIANZ HAYAT ve EMEKL‹L‹K A.fi
99
fiirket Ad›
Company Name
INSURANCE COMPANIES
Adres
Address
Telefon-Faks
MAGDEBURGER S‹GORTA A.fi
Ba¤larbafl› K›s›kl› Cad. No.11
Altunizade 34662
Altunizade / ‹STANBUL
Tel.: 0216 556 72 48-49
Faks: 0216 474 21 50
Cevizli Tugay Yolu No.6 34846
Kartal / ‹STANBUL
Tel.: 0216 441 18 00
Faks: 0216 441 18 02
www.merkezsigorta.com
Harman Cad. Polat ‹fl MerkeziB Blok
Kat:13 34330 fiiflli/‹STANBUL
Tel.: 0212 319 07 07
Faks: 0212 319 07 19
www.nly.com.tr
Kefeliköy Cad. No.35 Tarabya
34457 Sar›yer / ‹STANBUL
Tel.: 0212 363 25 00
Faks: 0212 299 48 49
www.raysigorta.com
RUMEL‹ S‹GORTA A.fi
Büyükdere Cad. 40/A Rumeli Han
K.6 Mecidiyeköy / ‹STANBUL
Tel.: 0212 275 00 99
Faks: 0212 275 31 11
RUMEL‹ HAYAT S‹GORTA A.fi
Büyükdere Cad. 40/A Rumeli Han
K.6 Mecidiyeköy / ‹STANBUL
Tel.: 0212 273 04 04
0212 273 03 54-64
Faks: 0212 273 01 61
Meclisi Mebusan Cad.
fieker Sigorta Han No.87
34433 F›nd›kl› / ‹STANBUL
Tel.: 0212 251 40 70/4
0212 251 40 35/5
Faks: 0212 249 10 46
www.sekersigorta.com.tr
MERKEZ S‹GORTA A.fi
6. NEW LIFE YAfiAM S‹GORTA A.fi
RAY S‹GORTA A.fi
fiEKER S‹GORTA A.fi
TEB S‹GORTA A.fi
Meclis-i Mebusan Cad. No:127/6
34427 F›nd›kl›/‹STANBUL
S‹GORTA
Tel.: 0212 292 25 60
Faks: 0212 292 25 71- 72
www.tebsigorta.com.tr
T‹CARET S‹GORTA A.fi
Teflvikiye Cad. No.119 34200
Niflantafl› / ‹STANBUL
Tel.: 0212 231 06 56/3
Faks: 0212 296 66 63
www.ticaretsigorta.com.tr
T.GENEL S‹GORTA A.fi
Meclisi Mebusan Cad. No.91
34433 Sal›pazar› / ‹STANBUL
Tel.: 0212 334 90 00
Faks: 0212 334 90 19
www.genelsigorta.com.tr
Fahretin Kerim Gökay Cad. No.16
34662 Altunizade / ‹STANBUL
Tel.: 0216 554 11 00
Faks: 0216 554 11 11
www.turknippon.com.tr
TOPRAK S‹GORTA A.fi
Y›ld›z Posta Cad. No.17 34394
Gayrettepe / ‹STANBUL
Tel.: 0212 347 41 00
Faks: 0212 347 41 09
www.topraksigorta.com.tr
VAKIF EMEKL‹L‹K A.fi
Muallim Naci Cad. No.22 34347
Ortaköy Befliktafl / ‹STANBUL
Tel.: 0212 310 37 00
Faks: 0212 310 39 99
www.vakifemeklilik.com.tr
Büyükdere Cad. Yap› Kredi
Plaza A Blok 34330
Levent/‹STANBUL
Tel.: 0212 336 06 06
Faks: 0212 336 08 08
www.yksigorta.com
YAPI KRED‹ EMEKL‹L‹K A.fi
Büyükdere Cad. Yap›
Kredi Plaza A Blok 34330
Levent/‹STANBUL
Tel.: 0212 336 76 00
Faks: 0212 336 79 79
www.ykemeklilik.com
ARTI REASÜRANS A.fi
Girgin Sok. No:1 34345
Arnavutköy/‹STANBUL
Tel.: 0212 287 74 74
Faks: 0212 287 97 77
www.artireasurans.com
M‹LL‹ REASÜRANS T.A.fi
Tevikiye Cad. No.43-57
Tevikiye/ ‹STANBUL
34367
Tel.: 0212 231 47 30
Faks: 0212 230 86 08
www.millire.com
Büyükdere Cad.Büyükdere
Plaza No.195 Kat.1-2 34394
Levent / ‹STANBUL
Tel.: 0212 324 19 50
Faks: 0212 325 61 08
www.tsrsb.org.tr
T.N‹PPON S‹GORTA A.fi
YAPI KRED‹ S‹GORTA A.fi
Emeklilik
TÜRK‹YE S‹GORTA VE REASÜRANS
fi‹RKETLER‹ B‹RL‹⁄‹

2006 Yılı Faaliyet Raporu

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Konvention mellan Konungariket Sverige och Republiken Turkiet