Preface. Sunufl 3. Association of the Insurance and Reinsurance Companies of Turkey (TSRSB)

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3 Ç NDEK LER CONTENTS Sunufl 3 Türkiye Sigorta ve Reasürans fiirketleri Birli i (TSRfiB) 5 Girifl SosyoEkonomik Geliflmeler 14 Dünya Sigorta Sektörü 17 Avrupa Birli i Sigorta Sektörü 18 Türk Sigorta Sektörü 1.Genel Bak fl 2 2.Prim Gelirleri 22 3.Sigorta Branfllar Yang n Sigortalar Nakliyat Sigortalar Kaza Sigortalar Mühendislik Sigortalar Tar m Sigortalar Hukuksal Koruma Sigortalar Kredi Sigortalar Sa l k Sigortalar Hayat Sigortalar Sorumluluk Sigortalar 35 4.Sektörün Hasar De erlendirmesi 36 5.Türk Reasürans Piyasas 38 6.Sigorta ve Reasürans fiirketlerinin Yat r mlar 4 7.DASK Poliçeleri 41 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) 48 3.Hayat Branfl Konsolide Kar/Zarar Hesab (fiirketler) 5 4.Hayat D fl Branfllar n Konsolide Kar/Zarar Hesab (Reasürans fiirketleri) 52 5.Hayat Branfl n n Konsolide Kar/Zarar Hesab (Reasürans fiirketleri) 54 6.Emeklilik Branfl Konsolide Kar/Zarar Hesab 55 7.Branfllara Göre Teknik Karlar ve Art fl Oranlar 56 8.Hayat D fl Branfllar n Hasar Prim Oranlar 56 9.Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar Tablosu 57 1.Sigorta ve Reasürans fiirketlerinin Özkaynaklar Sigorta fiirketlerinin Alacaklar (Hayat Dahil) Sigorta fiirketlerinin Toplam Prim Genel Gider Teknik Kar Bilanço Kar liflkisi fiirketlere ve Branfllara Göre Prim Gelirleri 6 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 7 4.Di er Çal flmalar 72 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 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 3.1. 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 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 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 Annual Changes 8. Loss Ratios of NonLife Branches 9. Consolidated Financial Profit and Loss Accounts of Insurance and Reinsurance Companies 1. 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 Legislation and Harmonization with the Acquis Communautaire 1. Activities in 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

4 Ç NDEK LER CONTENTS Uluslararas Kurulufllarla liflkiler ve Avrupa Birli i Uyum Süreci Çal flmalar 1.Avrupa Birli i ile liflkiler 76 2.Uluslararas Kurulufllarla liflkiler 78 3.Avrupa Birli i ile lgili Di er Faaliyetler 81 Mali ve Finansal Konulardaki Geliflmeler ve Faaliyetler 1.Mali Konulardaki Faaliyetler 84 2.Finansal Konulardaki Faaliyetler 88 Konferanslar ve Yay nlar 1.Düzenlenen Toplant, Konferans ve Sempozyumlar 92 2.Yay nlar 93 3.Di er Faaliyetler 95 Ek: Sigorta ve Reasürans fiirketlerinin sim ve Adresleri 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 Developments and Activities in Fiscal and Financial Matters 1. Activities about Fiscal Matters 2. Activities about Financial Matters Conferences and Publications 1. Meetings, Conferences and Symposiums Organized 2. Publications 3.Other Activities Annex: Names and Addresses of the Insurance and Reinsurance Companies 2 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

5 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 26 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 27 tarihinde TBMM taraf ndan kabul edilmifltir. Bu, Türk Sigorta Sektörü aç s ndan önemli bir geliflmedir. 26 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, 25 y l na göre % oran nda bir art fl göstermifl ve toplam 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 26 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 26 y l içinde çeflitli toplant ve ziyaretler gerçeklefltirmifltir. Bu ziyaretlerde, söz konusu kurumlar n yetkililerine Türk Sigorta Sektörü ile ilgili güncel bilgiler verilmifltir. 26 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. 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, 27 to fulfill the legal and regulatory gaps in the Turkish insurance sector. This has been a very significant development for the entire sector. In 26, 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 % when compared to 25 and reached TRY 9.7 billion ($6.8 billion). In 26, 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 26 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 26. On the other hand, the Association hosted the 26 General Assembly Meetings of the European Insurance and Reinsurance Federation (CEA) in Istanbul. In 26, 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 uptodate 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 26, 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. TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 3

6 SUNUfi PREFACE Bu çal flmalara ek olarak 26 içinde Kaza Tespit Tutana Operasyonu, Solvency II Projesi, Genel Sa l k Sigortas ile ilgili çal flmalar gerçeklefltirilmifltir. Birli imiz ayr ca, 26 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 26 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 ebültenler ile inceleme ve araflt rmalar n yer ald Sigorta Araflt rmalar Dergisi yay nlanmaya devam etmifltir. Birli imiz nezdinde faaliyette bulunan kurulufllardan biri olan Karayolu Trafik Garanti Sigortas Hesab, 26 y l nda da çal flmalar na devam etmifl, dosyaya iliflkin toplam 55.7 milyon YTL tazminat ödemesi gerçeklefltirilmifltir. TRAMER uygulamalar ile sa lanan merkezi denetim sonras nda Trafik Sigortas ndaki sigortas zl k oran ndaki azalma e ilimi 26 y l nda da devam etmifl ve bu oran %17 ye gerilemifltir. Ayr ca Kasko Sigortalar nda TRAMER sisteminden online 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 say l Tar m Sigortalar Kanunu çerçevesinde Havuz Kurulu oluflturulmufl ve 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. 26 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 %5 sinin devlet deste i ile teminat alt na al nmas yönünde altyap çal flmalar tamamlanm fl ve 27 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. In addition to these, work has been carried on in 26 on the Solvency II Project, General Health Insurance and the Agree Statements of Facts on Motor Vehicle Accident System. In 26, 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 26. The periodical From the Association ( Birlik ten ) continued to be published quarterly. Turkish and English ebulletins covering the developments in the Turkish insurance sector and the world and the Journal of Insurance Studies continued to be published. The Highway Traffic Guarantee Account (Karayolu Trafik Garanti Sigortas Hesabi), one of the institutions operating under the Association, maintained its activities in 26 and made an indemnification payment amounting to YTL 55.7 Million in total regarding files. Following the centralized supervision provided by TRAMER (Motor TPL Insurance Information Center), the tendency in the decrease of noninsured motor vehicles continued in 26 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, 26, 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 26, TARSIM A.fi. finalized the infrastructural work for the provision of 5 % public support to cover frost risk in addition to hail, storm, twister and avalanche coverage. In 27, 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 4 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

7 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

8 TAR HÇE HISTORY Türkiye'de sigortac l k faaliyetleri ve hizmetleri, 187'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 stanbulda 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. 195 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 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, 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 tarihinde Türkiye Sigorta ve Reasürans fiirketleri Birli inin Çal flma Usulleri Hakk nda Yönetmelik yürürlü e girmifltir. 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 19 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 Insurance 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 195, 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 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 3th December The statue of the Association of Insurance and Reinsurance Companies of Turkey came into practice on 1 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 3 January 1989 the Regulation Relating to the Working Principles of the Association of the Insurance and Reinsurance Companies of Turkey came into force. 6 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

9 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 26 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. 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 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 26 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. 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 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 7

10 YÖNET M KURULU VE D ER ORGANLAR T BAR YLE THE BOARD AND OTHER BODIES AS OF B RL K BAfiKANI YÖNET M KURULU Baflkan Baflkan Yard mc s Baflkan Yard mc s Üye Üye Üye Üye Üye Üye Üye Üye DENET M KURULU Üye Üye Üye Üye D S PL N KURULU Üye Üye Üye Üye GENEL SEKRETERL K Genel Sekreter Yönetim Kurulu Müflaviri Genel Sekreter Yard mc s Genel Sekreter Yard mc s Hulusi TAfiKIRAN Hulusi TAfiKIRAN Mahir BAYYURDO LU ( tarihine kadar) (until ) Murat BALCI ( tarihinden itibaren) (From ) M. Kemal OLGAÇ Ertan FIRAT Mustafa SU Recep KOÇAK Hasan GÜLLER ( tarihine kadar) (until ) Rag p YERG N Serdar ÇITAK ( tarihine kadar) (until ) Muhittin YURT ( tarihinden itibaren) (From ) Yusuf YEfi LIRMAK ( tarihinden itibaren) (From ) Murat GÜVENEL Mustafa AKAN Tevfik CANSIZ ( tarihine kadar) (until ) Ramazan ÜLGER ( tarihinden itibaren) (From ) Ali YÜCEKÖK ( tarihine kadar) (Until ) Cengiz D REN Gökhan ERÜN ( tarihine kadar) (Until ) Recai DALAfi ( tarihinden itibaren) (From ) Ersin ERKAN ( tarihinden itibaren) (From ) Erhan TUNÇAY Zihni METEZADE Okan UTKUER ( tarihine kadar) (Until ) Erdinç YURTSEVEN ( tarihinden itibaren) (From ) Doç. Dr. Suna OKSAY ( tarihine kadar) (Until ) PRESIDENT OF THE ASSOCIATION THE BOARD President Vice President Vice President Member Member Member Member Member Member Member Member BOARD OF AUDITORS Member Member Member Member BOARD OFDISCIPLINE Member Member Member Member GENERAL SECRETARIAT General Secretary Board Consultant Deputy Secretary General Deputy Secretary General 8 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

11 TAR H NDE YAPILAN GENEL KURUL SONUCUNDA OLUfiAN YÖNET M KURULU VE D ER ORGANLAR THE BOARD AND OTHER BODIES AS OF THE DATED GENERAL ASSEMBLY B RL K BAfiKANI Hulusi TAfiKIRAN PRESIDENT OF THE ASSOCIATION YÖNET M KURULU Baflkan Baflkan Yard mc s Baflkan Yard mc s Üye Üye Üye Üye Üye Üye Üye Hulusi TAfiKIRAN Rag p YERG N Mustafa SU Kemal OLGAÇ Ertan FIRAT Okan UTKUER Muhittin YURT Bülent SOMUNCU M. lker AYCI Yusuf Cemil SATO LU THE BOARD President Vice President Vice President Member Member Member Member Member Member Member DENET M KURULU Üye Üye Üye Murat GÜVENEL Mustafa AKAN Ramazan ÜLGER BOARD OF AUDITORS Member Member Member D S PL N KURULU Üye Üye Üye Giray VEL O LU Cahit NOMER Mehmet AYDO DU BOARD OFDISCIPLINE Member Member Member GENEL SEKRETERL K Genel Sekreter Yönetim Kurulu Müflaviri Genel Sekreter Yard mc s Erhan TUNÇAY Zihni METEZADE Erdinç YURTSEVEN GENERAL SECRETARIAT General Secretary Board Consultant Deputy Secretary General TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 9

12 ORGAN ZASYON YAPISI ORGANIZATIONAL STRUCTURE TSRSBORGAN ZASYON fiemasi Yönetim Kurulu Müflaviri Genel Sekreter Asistan Genel Sekreter Yrd. Kaza D fl Branfllar Kaza ve Hasar statistik, Aktüerya ve IT Destek Mali ve Finansal Düzenlemeler Hukuk ve Mevzuat TEMEL SORUMLULUKLAR: 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) AB ve Uluslararas liflkiler TEMEL SORUMLULUKLAR: Avrupa Birli i mevzuat n n izlenmesi Uluslararas iliflkiler, (Kurumsal iliflkiler, Üyelikler, yurtd fl tan t m ve medya iliflkileri) Bilgi fllem 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 Websitesi / Portal teknik yönetimi Bilgi ifllem ile ba lant l kullan c destek hizmetleri Mali ve dari fller Sekreterya Santral fiöför Hizmetli E itim, Yay n, Projeler TEMEL SORUMLULUKLAR: 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 1 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

13 ORGAN ZASYON YAPISI ORGANIZATIONAL STRUCTURE TSRSBORGANIZATION CHART Adviser to the Board Secretary General Assistant Deputy Secretary General NonAccident Branches Accident and Claims Statistics, Actuary and IT Support Fiscal and Financial Regulations EU and International Relations MAIN RESPONSIBILITIES Monitoring and harmonization with EU insurance legislation International relations (international and organizational corporate cooperation, international publicity) Information Technology MAIN RESPONSIBILITIES Development of necessary software in line with the needs of the Association Servers, installation and management of all hardware Database management Website / portal technical management Financial and Administrative Affairs Head of Unit Secretariat Santral Drivers Workers Education, Publication Law and Legislation IT and related users support services MAIN RESPONSIBILITIES Acounting and reporting MAIN RESPONSIBILITIES Responding queries (Courts, questions from companies and general questions) Development and sharing of knowledge Monitoring foreign sectoral developments and implementation Preparation and implementation of projects of the sectoral needs Preparation of statistics in line with the Budget, cashflow, management and finance Administrative tasks Maintance, repairment and purchase of equipment Archives and communication Human resourcesand education Management of the library 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 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 11

14 12 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

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

16 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS 26 y l nda Gayri Safi Milli Has la (GSMH) cari fiyatlarla % 18.4 lük art flla milyar YTL, ABD dolar cinsinden % 1.8 lik art flla milyar dolar olmufltur. Gayri Safi Yurtiçi Has la (GSY H) ise cari fiyatlarla %18.3 lük art flla milyar YTL ye, ABD dolar cinsinden %1.7 lik art flla 4 milyar dolara yükselmifltir. 26 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. 26 y l nda kifli bafl na düflen GSMH cari fiyatlarla bir önceki y la göre % 16.9 luk art flla 7.89 YTL, ABD dolar cinsinden ise %9.4 lük art flla dolar olarak gerçekleflmifltir. 25 y l nda 19 milyar dolar olan d fl ticaret hacmi ise 26 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 26 y l nda ihracat n ithalat karfl lama oran %62.1 e gerilemifltir. 26 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. Tüm bu geliflmeler fl nda, turizm gelirlerindeki gerileme ve yüksek d fl ticaret aç na paralel olarak, 25 y l nda 23 milyar dolar aç k veren cari ifllemler dengesi, 26 y l nda 31.3 milyar dolar aç k vermifltir. Böylece, cari ifllemler dengesi aç GSMH nin %7.8 ine ulaflm flt r. Di er taraftan, 26 y l OcakAral 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 26 y l nda toplam 17.4 milyar dolara ulaflm fl olup, 25 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, toptanperakende ticaret ve imalat sanayi sektörlerinde gerçekleflti i görülmektedir. 26 y l bütçe performans ise son derece olumlu gerçekleflmifltir. 26 y l nda merkezi yönetim bütçe gelirleri milyar YTL, giderleri ise milyar YTL olarak gerçekleflmifl, böylece bütçe aç 4 milyar YTL olmufltur. Bütçe aç n n GSMH ye oran %.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. 25 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, 2 y l nüfus say m na göre yap lan geçici nüfus projeksiyonlar na göre, 26 y l nda y ll k nüfus art fl h z n n % 1.24, toplam nüfusun ise oldu u tahmin edilmektedir. Ortalama yaflam süresinin ortalama 71.5, erkeklerde 69.1, kad nlarda ise 74 oldu u tahmin edilmektedir. Gross National Product (GNP) reached YTL billion by an increase of 18.4%, billion dollars in USD currency by an increase of 1.8% in 26 whereas Gross Domestic Product (GDP) reached YTL billion by an increase of 18.3%, in USD currency 4 billion dollars by an increase of 1.7% with current prices. As for the growth rate in the sectors in 26, 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%. GNP per capita reached YTL 7.89 by an increase of 16.9% in 26 with current prices, dollars in USD currency by an increase of 9.4% when compared with previous year. Foreign trade volume which amounted to 19 billion dollars in 25 reached 222 billion dollars in 26. 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 26. Both the number of tourists and tourist receipts decreased in 26 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. 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 25 showed a deficit amounting to 31.3 billion dollars in 26. Thus the current account balance deficit reached 7.8% of GNP. On the other hand the foreign direct investment inflows (actual entry) amounted to 19.8 billion dollars in JanuaryDecember period in 26. Capital inflows included in the international direct investment inflow items reached 17.4 billion dollars in total in 26 by an increase more than 2 folds when compared to 25. It is observed that the foreign direct investment inflows also happened especially in the financial industry, transportation, communication and storing services, wholesaleretail trade and manufacturing industry sectors. Budget performance in 26 was profoundly positive. General government budget income amounted to YTL billion where as general government budget expenses amounted to YTL billion in 26, thus the budget deficit reached YTL 4 billion. The proportion of the budget deficit to GNP decreased by.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 25 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 in 26 according to temporary population projections made according to 2 census. Average life time is estimated to be 71.5 years, 69.1 years for men 74 years for women. 14 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

17 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS a) Nüfusun yafl gruplar na göre da l m : 14 yafl grubu : % yafl grubu : % yafl grubu : % 6 b) 2526 ö retim y l nda okullaflma oran : Okul öncesi e itim : % 19.9 lkö retimde : % 95.6 Orta ö retimde : % 85.2 Yüksek ö retimde : % 43.4 c) Sa l k Yatak say s : Doktor say s : Yatak bafl na düflen kifli say s : 372 Doktor bafl na düflen kifli say s : 77 d) stihdam flgücü : stihdam : 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 : % 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 2 y l nda yüzde 2,6 iken, bu oran 25 y l nda yüzde 4,8 e yükselmifltir. a) Breakdown of population by age group: 14 years: 28.1 % 1465 years: 65.9 % Over 65 years: 6 % b) School enrollments in 2526 academic year: Preschool education: 19.9 % Elementary school education: 95.6 % Secondary school education: 85.2 % University education: 43.4 % c) Health Number of beds: Number of doctors: Number of people/beds: 372 Number of people/doctors: 77 d) Employment Workforce: Employment: Labor Participation Rate: 48 % Sectoral shares of employment; Agriculture: 27.3 % Industry: 19.7 % Construction: 5.7 % Services: 47.3 % In 25 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 2, it reached 4.8 percent in 25. TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 15

18 SOSYOEKONOM K GEL fimeler SOCIOECONOMIC DEVELOPMENTS 26 YILININ TEMEL SOSYOEKONOM K GÖSTERGELER MAIN SOCIOECONOMIC INDICATORS FOR 26 Nüfus (26 Y l Ortas ) Nüfus Art fl H z (%) 1.24 Bebek Ölüm Oran (Binde) 22.6 Ortalama Yaflam (Erkek) 69.1 Ortalama yaflam (Kad n) 74 Kentsel Nüfus (%) 67.9 Sivil stihdam (15+Yafl) flsizlik Oran (%) 9.9 Doktor Bafl na Düflen Nüfus 77 (1) Yatak Bafl na Düflen Nüfus 372 (1) Okul Öncesi E itim Okullaflma Oran 25/26(%) 19.9 (2) Temel E itim Okullaflma Oran 25/26 (%) 95.6 (3) Ortaö retim Okullaflma Oran 25/26 (%) 85.2 (3) Yüksekö retim Okullaflma Oran 25/26 (%) 43.4 (4) Aktif Sigortal Say s Ba Kur Emekli Sand SSK Di er Population (Mid 26) Population Growth Rate(%) 1.24 Infant Mortality Rate (per thousand) 22.6 Life Expectancy (Men) 69.1 Life Expectancy (Women) 74 Urban Population (%) 67.9 Civil Employment (Age 15+) Unemployment Rate (%) 9.9 Number of people/doctors: 77 (1) Number of people/beds: 372 (1) Preschool Education Schooling Rate25/26 (%) 19.9 (2) Basic Education Schooling Rate25/26 (%) 95.6 (3) Secondary Education Schooling Rate25/26 (%) 85.2 (3) Higher Education Schooling Rate25/26 (%) 43.4 (4) 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 (%) 6. 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 (%).7 Gross National ProductCurrent Prices (million YTL) Gross National Product (USD million) GNP Growth Rate (%) 6. 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 (%).7 TÜFE (%) 9.65 ÜFE (%) Consumer Price Index (%) 9.65 Producer Price Index (%) Sigortal Prim Geliri (milyon YTL) Sigortal Prim Geliri / GSMH (%) 1.68 Insurance Premium Income (million YTL) Insurance Premium Income/GNP (%) 1.68 (1) DPT Tahmin (2) 45 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 45 years of age (3) Including open elementary school and open high school (4) Except graduate level 16 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL

19 DÜNYA S GORTA SEKTÖRÜ THE GLOBAL INSURANCE INDUSTRY 25 sonu itibar yla Dünyada toplam prim büyüklü ü %3 art flla milyar dolardan milyar dolara yükselmifltir. Toplam prim üretiminin 3.9 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 25 y l nda da özellikle geliflmekte olan ülkelerden kaynaklanmaktad r. Amerika k tas nda reel primler 24 y l na göre %2.4 azal rken, Avrupa da %7.7 Asya da ise %4.7 art fl görülmektedir. 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 %1.7 ile Japonya takip etmektedir. Dünyada kifli bafl na düflen prim büyüklü ü ortalamas 514 dolard r. Bu miktar geliflmifl ülkelerde dolar iken, geliflmekte olan ülkelerde 77 dolarda kalmaktad r. Kifli bafl na düflen primler Kuzey Amerika da dolar, Avrupa Birli i nde ise dolar olup, Afrika da sadece 47 dolard r. Ülkeler baz nda bak ld nda ise, Dünyada en yüksek prim üretimi 1.19 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 dolar olup, bu miktar n yar dan fazlas n hayatd fl primler oluflturmaktad r. Dünyada kifli bafl na en yüksek prim üreten ülkeler dolarla sviçre ve dolarla ngiltere dir. Total premium production in the world that amounted to billion dollars reached billion dollars by an increase of 3% as of the end of 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 25 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%. 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 nonlife branches whereas Europe has the highest percentage in the life branch. 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 1.7%. In the world, premium production per capita amounts to 514 dollars. It amounts to dollars in developed countries whereas it amounts to 77 dollars in developing countries. It amounts to dollars in South America and 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 1.19 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 dollars, the nonlife premiums constitute more than half of it. In Switzerland and the UK it amounts to dollars and dollars respectively. Dünya Sigorta Sektörü (25) Global Insurance Industry (25) 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 5/26 Source: Swiss Re, Sigma No 5/26 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL 17

20 AVRUPA B RL S GORTA SEKTÖRÜ EUROPEAN UNION INSURANCE INDUSTRY 25 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. Hayatd 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, hayatd fl branfllarda ise 471 milyar dolard r. Ülkeler baz nda bak ld nda, AB de en yüksek prim hacmi 336 milyar dolar ile ngiltere de görülürken, bu ülkeyi 22 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. AB de kifli bafl na prim üretimi, 25 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 Hollanda da 3.653, Fransa da 3.462, Almanya da dolar, yeni üyelerden Macaristan da 333, Polonya da ise sadece 245 dolard r. 25 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. Avrupa Sigorta ve Reasürans Federasyonu nun (CEA) verilerine göre, 25 y l nda sektörde istihdam azalmaya devam etmifltir. AB sigorta sektöründe flirket faaliyet göstermekte olup, çal flan kifli say s 934 bindir. In 25 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 nonlife 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 nonlife branches. The UK has the highest premium volume in EU amounting to 336 billion dollars. It is followed by France and Germany by 22 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. Premium production per capita in the EU amounts to dollars in 25 whereas the average in the EU15 reaches to dollars. While the premium production per capita amounts to in the UK, it amounts to in the Netherlands, in France, in Germany, and only 333 dollars in Hungary and 245 dollars in Poland. The ratio of the EU insurance industry to GDP reached 8.42% in 25. 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. According to CEA (European Insurance and Reinsurance Federation), decrease in employment in the industry continued in 25. There are companies in the EU insurance industry and the number of employees is 934 thousand. Avrupa Birli i Sigorta Sektörü (25) European Union Insurance Industry (25) 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 Primlerin GSY H ya oran (%) Premiums as % of GDP Kifli bafl prim ($) Per capita premium production ($) Kaynak: Swiss Re, Sigma No 5/26 Source: Swiss Re, Sigma No 5/26 18 TÜRK YE S GORTA VE REASÜRANS fi RKETLER B RL