Preface. Sunufl. Türkiye Sigorta ve Reasürans fiirketleri Birli i (TSRfiB) Association of the Insurance and Reinsurance Companies of Turkey (TSRSB)

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1 Ç NDEK LER CONTENTS Sunufl Türkiye Sigorta ve Reasürans fiirketleri Birli i (TSRfiB) Girifl SosyoEkonomik Geliflmeler Dünya Sigorta Sektörü Avrupa Birli i Sigorta Sektörü 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 Sorumluluk Sigortalar 4. Sektörün Hasar De erlendirmesi 5. Türk Reasürans Piyasas 6. Sigorta ve Reasürans fiirketlerinin Yat r mlar 7. DASK Poliçeleri Türk Sigorta Sektörünün statistiki Tablolar 1. Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar 2. Hayat D fl Branfllar n Konsolide Kar/Zarar Hesab 3. Hayat Branfl Konsolide Kar/Zarar Hesab 4. Hayat D fl Branfllar n Konsolide Kar/Zarar Hesab (Reasürans fiirketleri) 5. Hayat Branfl Konsolide Kar/Zarar Hesab (Reasürans fiirketleri) 6. Emeklilik Branfl Konsolide Kar/Zarar Hesab 7. Branfllara Göre Teknik Karlar ve Toplam çindeki Paylar 8. Hayat D fl Branfllar n Hasar/Prim Oranlar 9. Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar Hesab 10. Sigorta ve Reasürans fiirketlerinin Özkaynaklar 11. Sigorta fiirketlerinin Alacaklar (Hayat Dahil) 12. Sigorta fiirketlerinin Toplam PrimGenel GiderTeknik ve Bilanço Kar liflkisi 13. fiirketlere ve Branfllara Göre Prim Gelirleri Yasal Düzenlemeler ve Avrupa Birli i Mevzuat na Uyum Çal flmalar 1. Mevzuata liflkin Çal flmalar 2. Di er Mevzuat Geliflmeleri 3. Hazine Müsteflarl na Görüfl Bildirilen Çal flmalar 4. Di er Çal flmalar Preface Association of the Insurance and Reinsurance Companies of Turkey (TSRSB) Introduction SocioEconomic Developments Global Insurance Industry European Union Insurance Industry The Turkish Insurance Industry 1. General Overview 2. Premium Income 3.Insurance Branches 3.1. Fire Insurance 3.2. Marine Insurance 3.3. Accident Insurance 3.4. Engineering Insurance 3.5. Agriculturel Insurance 3.6. Legal Protection Insurance 3.7. Credit Insurance 3.8. Health Insurance 3.9. Life Insurance 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 Statistical Tables of the Turkish Insurance Sector 1. Consolidated Balance Sheet of Insurance and Reinsurance Companies 2. Consolidated Profit/Loss Accounts of NonLife Branches 3. Consolidated Profit/Loss Accounts of Life Branch 4. Consolidated Profit And Loss Account of NonLife 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 Percentage Breakdown 8. Loss Ratios of NonLife Branches 9. Consolidated Financial Profit/Loss Accounts of Insurance and Reinsurance Companies 10. Insurance and Rein. Comp. Adjusted Shareholders Funds 11. Receivables of Insurance Companies (Including Life) 12. Relations Between Total Premiums General Expenditures Technical Profit Balance Sheet Profit 13. Premium Income per Company and per Branch Legislation and Harmonization with the Acquis Communautaire 1. Activities on the Legislative Field 2. Other Legislative Developments 3. Works Related to the Regulations of the Treasury 4. Other Activities TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 1

2 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 Projeleri 4. Avrupa Birli i ile lgili Di er Faaliyetler Mali ve Finansal Konulardaki Geliflmeler ve Faaliyetler Relations with International Institutions and Harmonization with the European Union 1. Relations with the European Union 2. Relations with International Institutions 3. European Union Projects 4. Other Activities Related to the European Union Developments and Activities on Fiscal and Financial Matters 1. Mali Konulardaki Geliflmeler ve Faaliyetler 2. Finansal Konulardaki Faaliyetler ve Projeler 3. AB Mevzuat na Uyum Konusundaki E itim Faaliyetleri Projeler, Konferanslar ve Yay nlar 1. Projeler 2. Düzenlenen Toplant, Konferans ve Sempozyumlar 3. Yay nlar Ek: Sigorta ve Reasürans fiirketlerinin sim ve Adresleri Developments Activities on Fiscal Matters 2. Activities and projects on Financial Matters 3. Training Activities Related to Compliance with the EU Acquis Communautaire Projects, Conferences and Publications 1. Projects 2. Meetings, Conferences and Symposiums Organised 3. Publications Annex: Names and Addresses of the Insurance and Reinsurance Companies 2 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

3 SUNUfi PREFACE Küreselleflme hareketlerinin h zla yafland günümüzde, rekabet kavram sigorta piyasalar nda da gittikçe daha fazla önem kazanmaktad r. Bu kapsamda, finansal aktörlerin serbestçe hareket edebildi i bir ortamda, Türk sigorta piyasas da serbest, rekabetçi, küresel ve bölgesel geliflmelere uyum sa layan güçlü bir yap ya kavuflmak zorundad r. Bu çerçevede, Türk sigorta sektörünün, geliflmifl ülkelerin sigorta sektörleri ile rekabet edebilir seviyeye ulaflabilmesinin önündeki engellerin kald r lmas, tam üyelik müzakerelerinin bafllamas yla birlikte Avrupa Birli i mevzuat na uyumun gerçeklefltirilmesi, ülkemizde kullan lan sigorta ürünlerinin çeflitlendirilmesi ve sigorta bilincinin artt r lmas konular nda çal flmalar yürüten Birli imiz; 2005 y l bafl ndan itibaren, haz rlad yeni strateji ve aksiyon planlar do rultusunda söz konusu çal flmalar na kapsam n geniflletmek suretiyle h z kazand rm flt r y l, gerek Birli imiz gerekse sektörümüz aç s ndan, büyük projelerin gerçekleflti i ve temel istatistikî göstergelerin geliflme kaydetti i bir y l olmufltur. Buna göre, 2005 y l nda, Türkiye de faaliyet gösteren sigorta flirketlerinin prim üretimi, 2004 y l na göre %15.19 oran nda bir art fl göstermifl ve toplam YTL ye ulaflm flt r. Birli imiz, 2005 y l içerisinde, çeflitli ulusal ve uluslararas organizasyonlara ev sahipli i yapm flt r. Bu çerçevede, Dünya Bankas ile ortak olarak gerçeklefltirdi imiz Do al Afet Riskleri çin Sigorta ve Reasürans" konulu uluslararas konferans ile Avrupa Komisyonu Teknik Yard m ve Bilgi De iflim Ofisi (TAIEX) iflbirli iyle düzenlenen, Avrupa Birli i Sigorta Mevzuat ve Uygulamalar " konulu seminer uluslararas organizasyonlara; "Avrupa Birli i'ne Uyum Sürecinde Türk Sigorta Sektörü" konulu "I. Ulusal Sigorta Sempozyumu", Türkiye nin Avrupa Birli i ne Tam Üyeli ine Do ru, Türk Sigorta Sektörünün Öncelikli Sorunlar bafll kl toplant lar dizisi ve Sigorta statistik Çal fltay ise ulusal organizasyonlara örnek teflkil etmektedir. Tüm bu çal flmalar n yan nda Birli imiz, AB Türkiye temsilci i, AB Brüksel Ofisi, OECD, Dünya Bankas, CEA ve yabanc Birlikler gibi uluslararas kurulufllar ile 2005 y l içinde bir dizi toplant ve ziyaretler gerçeklefltirmifltir. Bu ziyaretlerde, söz konusu kurumlar n yetkililerine Türk sigorta sektörü ile ilgili güncel bilgiler verilmifltir y l içinde Birli imiz, Avrupa Birli i sürecinde h z kazanan mevzuat uyumu çal flmalar na da aktif olarak kat lm flt r. Bu kapsamda Sigortac l k Kanunu ve Türk Ticaret Kanunu Taslaklar ile ilgili olarak oluflturulan görüfller ilgili mercilerle paylafl lm flt r. Ayr ca sektörümüzün vergisel konularda senelerdir afl lamayan s k nt lar ile ilgili konularda Maliye Bakanl yetkilileri ile konu baz nda düzenli toplant lar yap lmas sa lanm fl ve Kurumlar Vergisi, Gelir Vergisi ve Gider vergileri çerçevesinde sektörümüzün özledi i ve uluslararas uygulamalara paralel önemli düzenlemeler yap lmas mümkün olmufltur. Bunun yan s ra, Devlet Planlama Teflkilat (DPT) ile de iliflkilerimiz güncel tutulmufl ve 9. Kalk nma Plan çal flmalar içinde Birli imiz de yer alm flt r. Bu çal flmalara ek olarak 2005 y l içerisinde mesleki sorumluluk sigortalar, mortgage ba lant l sigorta ürünleri gibi yeni ürünlerle ilgili olarak yurt d fl mevzuatlar n da inceleyen çal flma gruplar oluflturulmufl ve sektörümüzün önümüzdeki döneme haz rlanmas na yönelik çal flmalar gerçeklefltirilmifltir. The concept of competition has been gradually gaining more importance also in insurance markets today along with the rapid globalization movements. Within this scope Turkish insurance market must also gain a free, competitive, and strong structure which is able to keep abreast of global and regional developments in an environment where financial actors can freely move. Within this framework the Union having been exerting efforts for the elimination of any obstacles hindering Turkish insurance sector to become able to compete with that of developed countries, providing the harmonization with the legislation of the European Union along with the beginning of the full membership negotiations, variation of insurance products used in our country, and increasing the insurance consciousness has expanded the scope of those efforts and stepped them up as of the beginning of 2005 in line with the new strategies and action plans prepared. In 2005 both the Union realized large projects and basic statistical indicators improved in terms of the sector. In 2005 premium output of the insurance companies in good standing in Turkey increased by 15.19% when compared with 2004 and reached YTL in total accordingly. The Union acted as a host for various national and international organizations in Within this framework Insurance and Reassurance for Natural Disaster Risks theme international conference organized in cooperation with the World Bank, Insurance Legislation and Applications of the European Union theme seminar organized in cooperation with the European Council Technical Aid and Information Exchange Office (TAIEX) can be cited as examples for the international organizations whereas Turkish Insurance Sector during the European Union Harmonization Process theme 1st National Insurance Symposium, Towards Turkey s Full Membership to the European Union, Basic Issues in Turkish Insurance Sector theme meeting series and Insurance Statistical Workshop can be cited as examples for the national organizations. Besides these efforts the Union organized a series of meetings and visits in 2005 with international organizations such as the EU Turkey representation office, EU Brussels Office, OECD, the World Bank, CEA and foreign Unions. During such visits the authorities in charge have been given uptodate information on Turkish insurance sector. In 2005 the Union also participated actively in the legislation harmonization process accelerated during the European Union process. The Union shared opinions regarding the Insurance Law and Turkish Commercial Code Drafts with relevant authorities within this scope. Besides regular meetings were held with the authorities of the Ministry of Finance with regard to the difficulties that cannot be eliminated for years in taxation issues in the sector; and significant arrangements were made parallel to the international applications that the sector has been longing for within the framework of Corporate Tax, Expense Tax and Income Tax. We kept our relationship with the State Planning Organization (DPT) uptodate as well and the Union also participated in 9th Development Scheme efforts. In addition to these efforts working groups were created also to examine the foreign legislation with regard to new products such as professional liability insurance, insurance products linked with mortgage; and efforts were exerted to make the sector ready for the next period in TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 3

4 SUNUfi PREFACE Birli imiz ayr ca, 2005 y l nda, sektörü ilgilendiren güncel konularda bilgi paylafl m n n sa lanmas amac yla, gerek üye flirketlerimizin çal flanlar na gerekse sigortac l k ile ilgili di er çevrelere yönelik e itim seminerleri düzenlemifltir. Uluslararas Finansal Raporlama Standartlar konusunda bir denetim firmas yla anlaflarak, flirketlerimizin muhasebe departman çal flanlar için düzenlenen e itim program ile y l boyunca, sigortac l k e itimi veren yüksek okullar ve sigortac l k meslek yüksekokullar nda verilen E itim Seminerleri söz konusu e itim faaliyetlerimize örnek teflkil etmektedir. Di er taraftan Birli imiz, sektörümüzde önemli bir eksiklik olarak gördü ü sigortac l k alan ndaki incelemearaflt rmalara da önem vererek, 2005 y l nda toplam 15 adet kitap yay mlam flt r. Bu arada, "Birlik ten" dergimiz de, yeni görünümü ve içeri i ile zenginlefltirilerek, yay mlanmaya bafllam flt r. Bunun yan nda, Birlik çal flmalar ile ülkemizdeki ve dünya sigorta sektöründeki geliflmeleri içeren ayl k Türkçe ve ngilizce ebültenler ile sigortac l k ile ilgili araflt rmalar n yer ald "Sigorta Araflt rmalar Dergisi" ad yla yeni bir dergimiz yay mlanmaya bafllam flt r. Birli imiz nezdinde faaliyette bulunan kurulufllardan biri olan Karayolu Trafik Garanti Hesab, 2005 y l içerisinde çal flmalar n h zla sürdürmüfl, dosyaya iliflkin toplam 23 milyon YTL tazminat ödemesi gerçeklefltirmifltir. Ayr ca, trafik sigortas nda denetim etkinli inin sa lanmas, daha sa l kl fiyatland rma yap lmas ve haks z rekabetin önlenmesi konular nda, sektör için referans bir kurum haline gelen TRAMER in çal flmalar n n kasko sigortalar n da içerecek flekilde yap land r lma çal flmalar tamamlanm flt r. Böylece Kurumun de 2006 y l nda etkinli inin di er oto sigortalar nda da art r lmas hedeflenmektedir. TRAMER in, sigorta flirketleri taraf ndan transfer edilen poliçe bilgilerine ba l olarak oluflturulan veri taban na göre, 2005 y l nda tanzim edilen trafik sigortas poliçe say s geçen y la oranla %12,04 oran nda art fl göstermifltir. Di er taraftan, 14 Haziran 2006 tarihli Tar m Sigortalar Kanunu ile birlikte tar m sigortalar konusunda lisans sahibi üye flirketlerimizin mütüel olarak kurmalar istenen, temel olarak, tar m sigortalar n n gelifltirilmesi, yayg nlaflt r lmas ve izlenmesi ile di er teknik hizmetlerin yürütülmesi amac n taflayacak olan Tarsim A.fi nin ilk Genel Kuruluna kadar kurulufl ifllemleri de Birli imiz taraf ndan üstlenilmifl ve tamamlanm flt r y l nda Birli imiz, üyelerimiz aras nda güncel bilgi paylafl m n n çabuk ve etkin olarak ça dafl ortamda gerçeklefltirilebilmesi amac yla web sitesi ve Birlik portal haz rlayarak sektörümüzün ve kamuoyunun hizmetine sunmufltur. Türk Sigorta Sektörünün geliflmesi ve daha etkin hizmet verebilmesini teminen, Birlik olarak çal flmalar m z n artarak devam edece ini belirtir, sayg lar m sunar m. The Union also organized training seminars for both the employees of the member companies and other relevant milieu relating to the insurance in 2005 in order to provide the share of information on current issues regarding the sector. The training program conducted for the personnel of the accounting department in cooperation with an inspection company for the International Financial Reporting Standards, and the Training Seminars held throughout the year in the colleges for insurance education and vocational insurance colleges can be cited as examples for the said training activities of the Union. On the other hand the Union has attached importance to the examination & research activities in the field of insurance that it considers as a significant deficiency in the sector; and published 15 books in total in The Union has started to publish the periodical From the Union ( Birlik ten ) having enriched its contents and image. The Union has also started to publish monthly Turkish and English ebulletins covering the developments in the insurance sector in our country and the world and a new periodical Periodical of the Researches on Insurance covering the researches relating to the insurance. Karayolu Trafik Garanti Hesab (Highway Traffic Guarantee Account), one of the companies in good standing before the Union, maintained its activities rapidly in 2005; and made indemnification payment amounting to YTL 23 million in total regarding files. Structuralization activities of TRAMER, which has become a reference establishment for the sector, also including the automobile insurance efforts were completed in order to provide the inspection efficiency in traffic insurance, and more reliable pricing and to eliminate unjust competition. Therefore it is aimed to increase the efficiency of the establishment also in other automobile insurance for According to TRAMER s database prepared depending upon the policy information transferred by the insurance companies the number of insurance policy arranged in 2005 increased by 12.04% when compared to the last year. The Union also undertaken and completed the foundation procedures of Tarsim AS required to be founded mutually by the member companies having license for agricultural insurance and fundamentally aiming to develop, expand and monitor agricultural insurance and to conduct other technical services until the first General Assembly along with the Law on Agricultural Insurance dated June 14, In 2005 the Union s website and portal was prepared for the use of the sector and public opinion for the fast and efficient share of uptodate information in a contemporary environment among the members. I would like to indicate that the Union s efforts shall continue in order to provide the development of Turkish Insurance Sector and to enable it to submit service more efficiently. Kind regards TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL ASSOCIATION OF INSURANCE AND REINSURANCE COMPANIES OF TURKEY Hulusi TAfiKIRAN Baflkan President 4 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

5 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL (TSRfiB) ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY (TSRfiB) TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 5

6 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 tarihinde Beyo lu TEUTONIA salonunda 44 yabanc flirket taraf ndan stanbul da Faaliyette Bulunan Yang n Sigorta fiirketleri Sendikas ad yla ilk meslek kuruluflu oluflturulmufltur tarihinde Ecnebi Anonim ve Sermayesi Eshama Munkasem fiirketler ile Ecnebi Sigorta fiirketleri Hakk ndaki Kanunu 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 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 Dairei Merkeziyesi ne b rakm flt r. Bu ibare ilk kez 21 Aral k 1926 tarihli Ticaret Bakanl yaz s nda görülmüfltür say l Sigorta fiirketlerinin Teftifl Murakabesi Hakk nda Kanun tarihinde yürürlü e girmifltir say l Kanun un baz maddelerinin de ifltirilmesine ve baz maddelerin ilave edilmesine iliflkin 3392 say l kanun kabul edilerek tarihinde yürürlü e girmifltir 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 Dairei Merkeziyesi ne görüfl almak üzere gönderilmifltir. Sigortac lar Dairei 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 tarihinde Bakanlar Kurulu taraf ndan Türkiye Sigorta fiirketleri Birli i anasözleflmesi tasdik edilmifltir. 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 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. 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 Law No:1149 regarding the Inspection and Supervision of Inurance Companies was put into force on 31 July 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 In 1950, a new draftlaw 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 draftlaw was then sent to the Central Office of Insurers in order to take their views; however regarding this draftlaw there occured disagreement among the members of this Office and the insurance companies; Genel, Güven, Halk, Ankara and Inan Insurance 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 associati on was approved by the Council of Ministers. 6 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

7 TAR HÇE HISTORY y llar aras nda bir tarihte Sigortac lar Dairei 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 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 tarihinde Sigorta fiirketlerinin Murakabesi Hakk nda 7397 Say l Kanun" kabul edilmifl ve tarihinde yürürlü e girmifltir tarihinde Türkiye Sigorta ve Reasürans fiirketleri Birli i Ana Tüzü ü yürürlü e girmifltir 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, Birlik e "kamu kurumu niteli inde meslek kuruluflu" hüviyeti verilmifltir. Bu kanunla yap lan bir baflka de ifliklikle de, Birlik in organ seçimlerinin yarg gözetimi alt nda, yani hakim nezaretinde yap lmas esas getirilmifltir tarihinde Türkiye Sigorta ve Reasürans fiirketleri Birli inin Çal flma Usulleri Hakk nda Yönetmelik yürürlü e girmifltir. 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 The statue of the Association of Insurance and Reinsurance Companies of Turkey came into practice on 10 June 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. TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 7

8 TSRfiB HAKKINDA ABOUT TSRSB Türkiye'de faaliyette bulunan yerli ve yabanc tüm sigorta ve reasürans flirketleri ile yabanc flirketlerin Türkiye deki flubeleri Hazine Müsteflarl 'ndan ruhsat ald ktan sonra üç ay içinde Birlik e üye olmalar zorunlu olup; 2005 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 Ek1 de yer almaktad r. Birlik merkezi stanbul'da olup, gerekli görülen yerlerde temsilcilik açabilme yetkisine sahiptir. Kanunda belirtildi i üzere Birlik in amaçlar flunlard r: 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. 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 2005 the Association had 55 members, 53 being insurance and 2 reinsurance companies. The names and addresses of our members are attached in Annex 1. The head office of the Association is in Istanbul and it has the power to open representative offices anywhere if it deems it necessary. 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. 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 Sigortac l k mesle inin gelifltirilmesi amac na yönelik kurulufllar kurulmas, e itim faaliyetlerinde bulunulmas 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 8 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

9 YÖNET M KURULU VE D ER ORGANLAR THE BOARD AND OTHER BODIES B RL K BAfiKANI YÖNET M KURULU Baflkan Baflkan Yard mc s Baflkan Yard mc s Muhasip Üye Üye Üye Üye Üye Üye Üye Hulusi TAfiKIRAN Hulusi TAfiKIRAN Mahir BAYYURTO LU ( tarihine kadar) (until ) Murat BALCI ( tarihinden itibaren) (From ) M. Kemal OLGAÇ Recep KOÇAK Mustafa SU Ertan FIRAT Hasan GÜLLER Rag p YERG N Serdar ÇITAK Muhittin YURT ( tarihinden itibaren) (From ) PRESIDENT OF THE ASSOCIATION THE BOARD President Vice President Vice President Member Member Member Member Member Member Member DENET M KURULU Üye Üye Üye D S PL N KURULU Üye Üye Üye GENEL SEKRETERL K Genel Sekreter Yönetim Kurulu Müflaviri Genel Sekreter Yard mc s Genel Sekreter Yard mc s Murat GÜVENEL Mustafa AKAN Tevfik CANSIZ Ali YÜCEKÖK Cengiz D REN Gökhan ERÜN ( tarihine kadar) (Until ) Ramazan ÜLGER ( tarihinden itibaren) (From ) Erhan TUNÇAY Zihni METEZADE Doç. Dr Suna OKSAY Okan UTKUER ( tarihine kadar) (Until ) Erdinç YURTSEVEN ( tarihinden itibaren) (From ) BOARD OF AUDITORS Member Member Member BOARD OFDISCIPLINE Member Member Member GENEL SECRETARIAT General Secretary Board Consultant Deputy Secretary General Deputy Secretary General TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 9

10 TSRSBORGAN ZASYON fiemasi Baflkan Yönetim Kurulu Yönetim Kurulu Müflaviri Genel Sekreter Asistan Genel Sekreter Yrd. Genel Sekreter Yrd. Teknik Branfllar ve Hasar statistik ve Aktüerya IT Destek ve Online Hizmet Sunumu TEMEL SORUMLULUKLAR: Teknik branfllar ve hasar konular na iliflkin görüfl oluflturulmas ve araflt rmalar yap lmas Mahkeme yaz lar, flirket sorgular, sigortal flikâyetleri ve genel sorular n yan tlanmas Sektörel istatistiklerin üretimi amac yla üye flirketlerden veri toplanmas, raporlar n haz rlanmas ve sunulmas Sektör bilgi ihtiyaçlar n n öngörülmesi ve online hizmetlerin projelendirilmesi Yurt d fl sektör örnek ve uygulamalar n n izlenmesi Komite çal flmalar n n desteklenmesi ve yönlendirilmesi Acenteler sicili, araç de er listesi, pert araç listesi, oto h rs zl k bilgi merkezi vb. online hizmetlerin yönetilmesi AB ve Uluslararas liflkiler Hukuk ve Mevzuat Mali ve Finansal Düzenlemeler E itim, Yay n ve Projeler TEMEL SORUMLULUKLAR: Yurt içi ve Avrupa Birli i mevzuat n n izlenmesi ve uyarlanmas Uluslararas iliflkiler (üyelikler, abonelikler, yurtd fl tan t m ve medya iliflkileri) Mali ve finansal mevzuat n izlenmesi, sektör sorunlar ve ihtiyaçlar do rultusunda çal flmalar yap lmas E itim, dergi, bülten vb. yay n, seminer ve organizasyonlar n gerçeklefltirilmesi Sektör bilgi ihtiyaçlar n n öngörülmesi ve projelendirilmesi Komite çal flmalar n n desteklenmesi ve yönlendirilmesi Kütüphanedeki süreli ve süresiz yay nlar n güncelli inin sa lanmas ve bilgilerin kütüphane program na aktar lmas Bilgi fllem Müdürü TEMEL SORUMLULUKLAR: Birlik gereksinimleri do rultusunda yaz l m gelifltirilmesi Sunucular, çevre birimleri ve di er tüm donan mlar n kurulum ve iflletimi Database yönetimi Web sitesi / portal teknik yönetimi Bilgi ifllem ve ba lant l kullan c destek hizmetleri Mali ve dari fller Müdürü Finansal fller Parsonel Hizmetleri nsan Kaynaklar Yönetimi TEMEL SORUMLULUKLAR: Muhasebe ifllemleri ve raporlama Bütçe haz rlanmas ve takibi, 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 10 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

11 TSRSB ORGANIZATION CHART President Board Advisor to the Board Secretary General Assistant Deputy Secratary General Deputy Secratary General Technical branches and claims Statistics and actuary IT support and online services EU and Internetional Relatiions Law and Legislation Fiscal and Financial Regulations Education, Publications and Projects IT Manager Finance and Adm. Maneger Financial Affairs Personal Services Human Resources Management MAIN RESPONSIBILITIES MAIN RESPONSIBILITIES MAIN RESPONSIBILITIES MAIN RESPONSIBILITIES Bringing a vision on technical Monitoring and harmonizing Development of necessary Accounting and reporting branches and claim matters and national and EU insurance software Budget, cash flow, conducting research on relevant subjects Responding queries from courts and insurance companies, complaints from the insured and other general questions Collecting data from insurance companies to prepare sector statistics, preparing reports resulting from these data and presenting these reports Envisaging the information needs of the sector and creating projects on online services Monitoring sectoral implementations abroad Supporting and directing the activities of the branch committees Regulating the Agency Registration Tracking, Pert Total Vehicles List, Automobile Theft Information System, Vehicle Evaluating List and other related online services legislation Relations with International organizations, establishing corporate cooperations Monitoring fiscal and financial legislation, conducting research in accordance with the needs and problems of the sector Conducting activities of education, organization of seminars, publication of journals, bulletins, etc Creation and implementation of projects in accordance with sectoral needs Supporting and directing committee work Managing the library Servers, installation and management of all hardware Database management Web site / portal technical management IT and related user support services management and finance Administrative tasks Maintenance, repair and purchase of equipment Archives and communication Staff and educational activities TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 11

12 12 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

13 G R fi INTRODUCTION TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 13

14 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS 2005 y l nda Türkiye, Dünya n n en h zl büyüyen ülkelerinden biri olmufl ve GSMH bir önceki y la göre %7.6 artarak 486 milyar YTL ye (361 milyar dolar), GSY H ise %7.4 art flla 487 milyar YTL ye (362 milyar dolar) ulaflm flt r y l nda gerçekleflen GSMH art fl sonucunda Türkiye, son 4 y ld r aral ks z büyümüfltür y l nda tar m sektörü katma de eri %5.6, sanayi sektörü katma de eri ve hizmetler sektörü katma de eri art fl h zlar s ras yla %6.5 ve %8.2 olmufltur. Buradan da büyümenin, geçen y llarda oldu u gibi sanayi ve hizmetler sektörü destekli oldu u anlafl lmaktad r y l nda cari fiyatlarla kifli bafl na düflen GSMH bir önceki y la göre YTL baz nda %13, dolar baz nda ise %20 oran nda artarak Cumhuriyet tarihinin en yüksek seviyesi olan YTL ye (5.008 dolar) ulaflm flt r. Yine de bu miktar AB 25 ortalamas n n üçte biri dolay ndad r y l nda 62.8 milyar ABD Dolar olan ihracat %16.2 artarak 73.4 milyar dolara ulaflm flt r. Buna karfl l k, bir önceki y la göre %19.5 artan ithalat milyar dolar olmufltur. Böylece d fl ticaret hacmi 190 milyar dolara ulaflm flt r. D fl ticaret 43 milyar dolar aç k vermifl, ihracat n ithalat karfl lama oran ise %63 te kalm flt r y l nda ülkemize giren yabanc turist say s 20.5 milyon kifli olmufltur. Girifl yapan vatandafl say s da 3.6 milyon olmufl ve turizm gelirleri 14 milyar dolar yabanc ziyaretçilerden olmak üzere yurtd fl ndan girifl yapan Türk vatandafllar n n b rakt dövizler de dahil olmak üzere 18.1 milyar dolara ulaflm flt r y l nda do rudan yat r mlar kaleminde gerçekleflen net girifller, bir önceki y la oranla %332 artarak 1.9 milyar dolardan 8.6 milyar dolara yükselmifltir. Ancak tüm bu geliflmelere karfl n, yüksek d fl ticaret aç na paralel olarak, 2004 y l nda 15.6 milyar dolar olan cari ifllemler aç 2005 y l nda %46 art flla 23 milyar dolara ulaflarak GSMH nin %6.4 ü dolay nda aç k vermifltir y l nda konsolide bütçe gelirleri milyar YTL, konsolide bütçe giderleri ise milyar YTL olarak gerçekleflmifl, böylece bütçe aç 9.7 milyar YTL olmufltur. Bütçe aç n n GSMH ye oran 2004 y l nda %7.1 iken 2005 y l nda %2 ye düflerek Avrupa Birli i Maastricht kriterlerini karfl lar hale gelmifltir y l nda maliye tan ml faiz d fl fazla da 35.9 milyar YTL ile GSMH n n %7.4 ü düzeyinde gerçekleflmifltir. Sosyal geliflmelerle ilgili olarak, 2000 y l nüfus say m na göre yap lan geçici nüfus projeksiyonlar na göre, 2005 y l nda y ll k nüfus art fl h z n n % 1.26, toplam nüfusun ise oldu u tahmin edilmektedir. Ortalama yaflam süresi ise erkeklerde 68.9 kad nlarda ise 73.8 olmufltur. Turkey was one of the countries demonstrating the fastest growth in 2005 and its GNP reached 486 billion YTL (USD 361 billion) by a 7.6% increase compared to the previous year whereas GDP reached 487 billion YTL (USD 362 billion) by a 7.4% increase compared to the previous year. As a result of the increase in GNP, Turkey has grown steadily for the last 4 years. In 2005, the growth rate of the added value of the agricultural sector was 5.6%, those of the industry and services were 6.5% and 8.2% respectively. It is understood that the growth was backed by the industry and services as in the previous years. In 2005, in terms of current prices, GNP per capita increased by 13% on YTL basis and by 20% on dollar basis and reached YTL (USD 5.008) which is the highest level in the history of the Turkish Republic. On the other hand, this amount is only about one third of the EU 25 average. Exports which amounted to USD 62.8 billion in 2004 reached USD 73.4 billion by a 16.2% increase. On the other hand, imports increased by 19.5% compared to the previous year and amounted to USD billion. Therefore, the foreign trade volume reached USD 190 billion. The foreign trade represented a deficit of USD 43 billion and the ratio of covering imports with exports stayed at 63%. The number of foreign tourists visiting Turkey in 2005 was 20.5 million people and the number of citizens visiting Turkey was 3.6 million people. Tourism revenues amounted to USD 18.1 billion, USD 14 billion of which was spent by foreign visitors and the remaining USD 4.1 billion by Turkish citizens living abroad who come to visit their homeland. In 2005, foreign direct investments increased by 332% compared to the previous year and reached USD 8.6 billion, which is a record level in the history of Turkey. However, despite all these positive developments, in line with the high foreign trade deficit, the current account deficit which was USD 15.6 billion in 2004 reached USD 23 billion by a 46% increase and resulted in a deficit which was equal to 6.4% of GNP in In 2005, consolidated budget revenues amounted to billion YTL and consolidated budget expenses amounted to billion YTL. Thus, the budget deficit was 9.7 billion YTL. The ratio of budget deficit to GNP which was 7.1% in 2004 fell to 2% in 2005 and was able to meet European Union Maastricht criteria. In 2005, the noninterest surplus as defined by the finance ministry was 35.9 billion YTL representing 7.4% of GNP. In respect of social developments, according to the interpolated population projections based on the most recent census (2000), population growth rate in 2005 was 1.26%, which puts Turkey s population at about 72 million. Life expectancy was 68.9 in men and 73.8 in women. 14 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

15 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS a) Nüfusun yafl gruplar na göre da l m : 014 yafl grubu : % yafl grubu : % yafl grubu : % 5.9 b) ö retim y l nda okullaflma oran : Okul öncesi e itim : %15.2 lkö retimde : %95.7 Orta ö retimde : %60.8 Yüksek ö retimde : %39.9 c) Sa l k Yatak say s : Doktor say s : Yatak bafl na düflen kifli say s : 378 Doktor bafl na düflen kifli say s : 716 d) stihdam flgücü : stihdam : Toplam istihdam içinde; Tar m sektörünün pay : %29.5 Sanayi sektörünün pay : %19.4 nflaat : %5.3 Hizmetler sektörünün pay : % y l nda sosyal sigorta programlar taraf ndan kapsanan nüfusun oran %89.2, sa l k hizmetleri bak m ndan sosyal sigorta kapsam ndaki nüfusun oran ise %88.8 dir. a) Breakdown of population by age group: 014 years: 28.4% 1465 years: 65.7% Over 65 years: 5.9% b) School enrollments in academic year: Preschool education: 15.2% Elementary school education: 95.7% Secondary school education: 60.8% University education: 39.9% c) Health Number of beds: Number of doctors: Number of people/beds: 378 Number of people/doctors: 716 d) Employment Workforce: Employment: Sectoral shares of employment; Agriculture: 29.5% Industry: 19.4% Construction: 5.3% Services: 45.8% In 2004, the rate of population covered by social security programs was 89.2% whereas it was 86.4% in % of the population covered by social security in terms of health services whereas the rate was only 85.4% in TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 15

16 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS 2005 YILININ TEMEL SOSYOEKONOM K GÖSTERGELER MAIN SOCIOECONOMIC INDICATORS FOR 2005 Nüfus (2005 Y l Ortas ) Nüfus Art fl H z /%) 1.26 Gebek Ölüm Oran (Binde) 23.6 Ortalama Yaflam (Erkek) 68.9 Ortalama Yaflam (Kad n) 73.8 Kentsel Nüfus (%) 67.4 Sivil istihdam (15+Yafl) flsizlik Oran (%) 10.3 Doktor Bafl na Düflen Nüfus 716 Yatak Bafl na Düflen Nüfus 378 Temel E itim Okullaflma Oran 2004/2005 (%) 95.7 Orta ö retim Okullaflma Oran 2004/2005 (%) 60.8 Yüksek ö retim Okullaflma Oran 2004/2005 (%) 39.9 Aktif Sigortal Say s Ba kur Emekli Sand SSK Di er Popülation (Mid 2005) Population Growth Rate (%) 1.26 Infant Deah Rate (per thousand) 23,6 Life Expectancy (Men) 68,9 Life Expectancy (Wonen) 73,8 Urban Population (%) 67,4 Civil Employment (Age 15+) Unemployment Rate (%) 10,3 Number of people/doctors: 716 Number of people/beds: 378 Basic Education Schooling Rate2004/2005 (%) 95,7 Secondary Education Schooling Rate224/2005 (%) 60,8 Higher Education Schooling Rate2004/2005 (%) 39,9 Number of Active Insureds Ba kur Emekli Sand SSK Others Gayri Safi Milli Has lacari Fiyatlarla (milyon YTL) Gayri Safi Milli Has la(milyon ABD Dolar ) GSMH Büyüme Oran (%) 7.6 Kifli Bafl na GSMHCari Fiyatlarla (ABD Dolar ) thalat (Milyon ABD Dolar ) hracat (Milyon ABD Dolar ) Turizm Gelirleri (Milyon ABD Dolar ) Konsolide Bütçe Gelirleri (milyon YTL) Konsolide Bütçe Giderleri (milyon YTL) Bütçe Aç n n GSMH ye Oran (%) 2 Emisyon HacmiEylül 2005 (milyon YTL) Para Arz M1Eylül 2005 (milyon YTL) Para Arz M2Eylül 2005 (milyon YTL) Net Kredi HacmiEylül 2005 (YTL) Gross National Product Current Prices (million YTL) Gross National Product (USD million) GNP Growth Rate (%) 7.6 GNP per capita Current Prices (USD) Imports (USD million) Exports (USD million) Tourism Revenues (USD million) Consolidated Budget Revenue (million YTL) Consolidated Budget Expenses (million YTL) Budget Deficit to GNP (%) 2 Currency issuedseptember 2005 (million YTL) M1 indicatorseptember 2005 (million YTL) M2 indicatorseptember 2005 (million YTL) Net Credit Volume September 2005 (million YTL) TÜFE (%) 7.72 ÜFE (%) 2.66 Consumer Price Index (%) 7.72 Producer Price Index (%) 2.66 Sigortal Prim Geliri (milyon YTL) Sigortal Prim Geliri/GSMH (%) 1.58 Insurance Premium Income (million YTL) Insurance Premium Income/GNP (%) TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

17 DÜNYA S GORTA SEKTÖRÜ THE GLOBAL INSURANCE INDUSTRY 2004 sonu itibar yla Dünyada toplam prim büyüklü ü %2.8 art flla milyar dolardan milyar dolara yükselmifltir. Toplam prim üretiminin milyar dolarl k k sm geliflmifl ülkelerde oluflurken, geliflmekte olan ülkelerde bu miktar 372 milyar dolarda kalm flt r. Dünya prim üretiminin %37.7 si Amerika k tas nda gerçeklefltirilirken, %36.9 u Avrupa k tas nda, %22.6 s ise Asya k tas nda gerçeklefltirilmektedir. Geçen senelerde oldu u gibi, hayat d fl branfllarda prim üretim liderli ini Amerika elinde tutarken, hayat branfl nda Avrupa en büyük yüzdeye sahip k tad r y l nda Dünya genelinde hayatd fl branfllarda prim üretim art fl bir önceki y la göre %2.4 olurken, hayat branfl nda art fl %3.2 yi bulmaktad r y l nda, bir önceki sene hayatd fl branfllarda görülen h zl prim art fl n n yavafllad, hayat branfl nda ise bir önceki sene prim büyüklü ünde görülen daralman n yönünü tekrar yükselifle çevirdi i gözlemlenmektedir. Dünya sigorta sektöründeki büyüme 2004 y l nda da özellikle geliflmekte olan ülkelerden kaynaklanmakta olup, ortalama %2.8 oran nda reel büyümeye karfl n, geliflmifl ülkelerde %2.3, geliflmekte olan ülkelerde ise %7.5 reel büyüme kaydedilmifltir. Art fl oran Amerika ve Avrupa k tas nda s ras yla %2.6 ve %3.8 olurken, Asya da %2.1 de kalm flt r y l na göre Avrupa k tas nda prim art fl h z n n yükseldi i, Asya k tas nda ise art flta bir yavafllama görülmektedir. Dünyada primlerin Gayri Safi Yurt çi Has laya (GSY H) oran %7.9 iken, geliflmifl ülkelerde bu oran %9 u bulmakta, geliflmekte olanlarda ise %3.8 de kalmaktad r. Dünyada kifli bafl na düflen prim büyüklü ü ortalamas 500 dolar iken, bu miktar Kuzey Amerika da dolar, Avrupa Birli i nde ise dolar olup, Afrika da sadece 41 dolard r. Ülkeler baz nda bak ld nda ise, Dünyada en yüksek prim üretimi 1,108 milyar dolarla ABD de olup, kifli bafl na düflen prim üretimi ise dolard r. Dünyada kifli bafl na düflen en yüksek prim üretimi dolarla sviçre de gerçekleflmifltir. At the end of 2004, the total premium size in the world increased from USD billion to USD billion by a 2.8% increase. Of this total premium production, USD billion was in developed countries and only USD 372 billion in developing countries. 37.7% of the world s premium production realized in America, 36.9% thereof in Europe, and 22.6% thereof in Asia. As in previous years, America remained the leader in premium production in nonlife branches while Europe had the highest percentage in the life branch. In 2004, the rate of increase in premium production in nonlife branches and life insurance worldwide was 2.4% and 3.2%, respectively. The rapid premium increase that took place in nonlife branches during the previous year decelerated in 2004, and the narrowing that was seen in the life branch during the previous year was replaced by an increase again. The growth in the world insurance sector in 2004 was especially attributed to developing countries, and despite an average real growth of 2.8%, the real growths in developed countries and the developing countries were 2.3% and 7.5%, respectively. While the rate of increase that occurred in America and Europe was respectively 2.6% and 3.8%, it remained at 2.1% in Asia. Compared to 2003, the premium growth rate increased in Europe and the rate of growth in Asia slowed down. While the ratio of premiums in the world to the Gross Domestic Product (GDP) is 7.9%, this rate reaches 9% in developed countries and stays at 3.8% in developing countries. While the average premium size per capita in the world is USD 500, it is USD in North America, USD in the European Union and only USD 41 in Africa. The highest premium production is in the USA with USD 1,108 billion and premium production per capita is USD The highest premium production per capita is in Switzerland with USD Dünya Sigorta Sektörü (2004) Global Insurance Industry (2004) Amerika America Avrupa Europe Asya Asia Avustralya Australia Afrika Africa DÜNYA WORLD Sanayileflmifl ülkeler Industrialized countries Geliflmekte olan ülkeler Developing countries Prim üretimi (milyon $) Premium Production ($ Million) 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 ($) Per capita premium production ($) Kaynak: Swiss Re, Sigma No 2/2005 Source: Swiss Re, Sigma No 2/2005 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 17

18 AVRUPA B RL S GORTA SEKTÖRÜ EUROPEAN UNION INSURANCE INDUSTRY Avrupa Birli i sigorta sektörü, 2004 y l nda %3.8 lik reel bir art fl yakalayarak, Dünya ortalamas n n ve geliflmifl ülkelerin ortalamas n n üstünde büyümüfl ve milyar dolar hacme ulaflm flt r. Bu art flta hayat branfl nda prim üretiminin bir önceki y l reel olarak düflüfl göstermesine karfl n, 2004 y l nda %5.8 gibi yüksek bir oranda büyümesinden kaynaklanmaktad r. Hayatd fl branfllardaki reel art fl oran ise bu oran n alt nda kalm flt r. AB de prim hacmi Dünya prim hacminin %34 üne denk gelmektedir. Hayat branfl nda prim büyüklü ü 662 milyar dolar, hayatd fl branfllarda ise 454 milyar dolard r. Ülkeler baz nda bak ld nda, AB de en yüksek prim hacmi 288 milyar dolar ile ngiltere de görülürken, bu ülkeyi Fransa ve Almanya takip etmektedir. Polonya ve Macaristan gibi yeni AB üyesi ülkelerin 2004 y l prim büyüklükleri ise s ras yla 7.4 ve 2.9 milyar dolard r. AB de kifli bafl na prim üretimi ise 2004 y l nda dolar olurken, AB 15 ülkelerinde bu ortalama dolara ç kmaktad r. AB üyesi ülkelerden ngiltere de dolar kifli bafl prim üretimi gerçeklefltirilirken, bu miktar rlanda da 3.900, Hollanda da 3.700, Fransa da 3.200, Almanya da dolar, yeni üyelerden Macaristan da 287, Polonya da ise sadece 193 dolard r y l nda AB de sigorta sektörünün Gayri Safi Yurt çi Has la (GSY H) içindeki pay %8.23 olmufltur. 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. Sektörde 2004 y l nda flirket faaliyet göstermekte olup, çal flan kifli say s 946 bindir. Daha önceki senelerde de oldu u gibi, hem flirket say s nda hem de çal flan say s nda bir önceki seneye göre küçük azalmalar görülmektedir. The European Union insurance sector reached a real increase of 3.8% in 2004, showing a growth above the world average and the developed countries average, and reached a volume of USD billion. This increase is attributable to an increase as high as 5.8% in the premium production in life insurance in 2004, which had showed a real decrease in the previous year. Real increase rate in nonlife branches remained below this rate. Premium size in life insurance was USD 662 billion and nonlife insurance was USD 454 billion in Premium volume in the EU represented 34% of the world premium volume. In terms of countries, the highest premium volume in the EU is in the UK with USD 288 billion followed by France and Germany. In year 2004, the premium sizes of the new EU members like Poland and Hungary are USD 7.4 and 2.9 billion, respectively. Production per capita in the EU 25 was USD in 2004, whereas this average in the EU 15 countries reached USD Total production per capita in the UK was USD 4.484, whereas it was USD in Ireland, USD in Holland, USD in France, USD in Germany, USD 287 in Hungary and USD 193 in Poland. In 2004, the insurance sector accounted for an 8.23% share of the EU s Gross Domestic Product (GDP). While in the UK, Holland and France insurance sector share of GDP was above the EU average, with around 3% share of GDP, in new members like Poland and Hungary, the share was far below the average. In 2004, there were companies in the sector and the number of employees working in the sector was As in previous years, slight decreases are seen in the number of companies and employees, compared to the past year. Avrupa Birli i Sigorta Sektörü (2004) European Union Insurance Industry (2004) ngiltere UK Fransa France Almanya Germany talya Italy Hollanda Holland Polonya Poland Macaristan Hungary AB 25 EU 25 AB 15 EU 15 Türkiye Turkey Prim üretimi (milyon $) Premium Production ($ Million) y l na göre reel prim art fl (%) % Year on year change Dünyadaki pay (%) % Share of world total Kaynak: Swiss Re, Sigma No 2/2005 Source: Swiss Re, Sigma No 2/ Primlerin GSY H ya oran (%) Premiums as % of GDP Kifli bafl prim ($) Per capita premium production ($) TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

19 TÜRK S GORTA SEKTÖRÜ THE TURKISH INSURANCE INDUSTRY TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 19

20 1. GENEL BAKIfi 1. GENERAL OVERVIEW 2005 y l nda, ruhsat iptal edilen veya iflas na karar verilen sigorta ve reasürans flirketi olmam flt r. Bu nedenle Birli e üye sigorta flirketi say s nda bir önceki y la göre de iflim yaflanmam flt r. Reasürans flirketlerinde ise Destek Reasürans A.fi, Milli Reasürans T.A.fi taraf ndan sat n al nm fl, böylece Birli e üye reasürans flirketi say s 2004 y l nda 3 iken 2005 y l nda 2 ye düflmüfltür. Di er yandan geçen y llarda yeni sigorta ve reasürans sözleflmesi yapma yetkisi kald r lan flirket say s nda her hangi bir de ifliklik olmam flt r y l nda bir flirket kendi iste iyle poliçe kesmeyi durdurmufl, bir flirketin ise ticari ünvan de iflmifltir. Bat Sigorta A.fi, tarihli Ola anüstü Genel Kurulu nda al nan karar gere ince tarihinden itibaren yeni poliçe kesmemifltir tarihi itibariyle Do an Emeklilik A.fi nin ad Fortis Emeklilik ve Hayat A.fi olarak de ifltirilmifltir tarihi itibariyle Birli e kay tl 53 sigorta flirketi ve 2 reasürans flirketi bulunmaktad r sonu itibar ile sigorta sektöründe çal flanlar n say s %10,6 oran nda artarak kifliye ulaflm flt r kiflilik yeni istihdam n 708 ini kad n, 519 unu erkek çal flanlar oluflturmaktad r. Daha önce flirket baz nda takibi yap lmakta olan yetkili acenteler, 2005 y l ndan itibaren vergi kimlik numaras na göre takip edilmeye bafllanm flt r. Bu sisteme göre sektörde faaliyet gösteren yetkili acente say s olarak belirlenmifltir. In year 2005, there are not any insurance and reinsurance companies whose license has been annulled or bankruptcy is decided upon. Therefore there has been no change in the Association s membership regarding insurance companies. Since Destek Reasürans A.fi has been bought by Milli Reasürans T.A.fi, the number of reinsurance companies that are members of the Association fell to 2 in year At the same time, there has been no change in the number of companies whose authority to enter into new insurance and reinsurance contracts were suspended. During 2005, no changes took place in these companies status. In the year 2005, one company suspended to issue policies on his own will and another company changed its title. Bat Sigorta A.fi, has not issued any new policies starting from 1 January 2005, as required by the decision taken by the Extraordinary General Assembly held on the date 30 December By 28 November 2005, the title of Do an Emeklilik Afi (Do an Retirement INC) has been changed into Fortis Emeklilik ve Hayat Afi (Fortis Retirement and Life INC). By 31 December 2005, there are 53 insurance companies and 2 reinsurance companies registered to the Association. By the end of year 2005, the number of the employees in the insurance industry has been increased by 10.6% and reached to people. Of the new employees, 708 are women and 519 are men. Authorized agencies that were formerly pursued based on the company, are started to be pursued by tax identification number by year According to this system, the number of authorized agencies is specified as TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL