2006 Yılı Faaliyet Raporu
Transkript
2006 Yılı Faaliyet Raporu
‹Ç‹NDEK‹LER CONTENTS Sunufl 3 Preface Türkiye Sigorta ve Reasürans fiirketleri Birli¤i (TSRfiB) 5 Association of the Insurance and Reinsurance Companies of Turkey (TSRSB) Girifl Sosyo-Ekonomik Geliflmeler Dünya Sigorta Sektörü Avrupa Birli¤i Sigorta Sektörü 14 17 18 Introduction Socio-Economic Developments Global Insurance Industry European Union Insurance Industry Türk Sigorta Sektörü 1.Genel Bak›fl 2.Prim Gelirleri 3.Sigorta Branfllar› 3.1.Yang›n Sigortalar› 3.2.Nakliyat Sigortalar› 3.3.Kaza Sigortalar› 3.4.Mühendislik Sigortalar› 3.5.Tar›m Sigortalar› 3.6.Hukuksal Koruma Sigortalar› 3.7.Kredi Sigortalar› 3.8.Sa¤l›k Sigortalar› 3.9.Hayat Sigortalar› 3.10.Sorumluluk Sigortalar› 4.Sektörün Hasar De¤erlendirmesi 5.Türk Reasürans Piyasas› 6.Sigorta ve Reasürans fiirketlerinin Yat›r›mlar› 7.DASK Poliçeleri 20 22 24 25 26 27 29 30 31 32 33 34 35 36 38 40 41 The Turkish Insurance Industry 1. General Outlook 2. Premium Income 3. Insurance Branches 3.1. Fire Insurance 3.2. Marine Insurance 3.3. Accident Insurance 3.4. Engineering Insurance 3.5. Agricultural Insurance 3.6. Legal Protection Insurance 3.7. Credit Insurance 3.8. Health Insurance 3.9. Life Insurance 3.10. Liability Insurance 4. Evaluation of the Losses in the Sector 5. The Turkish Reinsurance Market 6. Investments of the Insurance and Reinsurance Companies 7. TCIP Policies Türk Sigorta Sektörünün ‹statistiki Tablolar› 1.Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar› 44 2.Hayat D›fl› Sigorta Branfllar›n›n Konsolide Kar/Zarar Hesab› (fiirketler) 3.Hayat Branfl› Konsolide Kar/Zarar Hesab› (fiirketler) 4.Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) 5.Hayat Branfl›n›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) 6.Emeklilik Branfl› Konsolide Kar/Zarar Hesab› 7.Branfllara Göre Teknik Karlar ve Art›fl Oranlar› 8.Hayat D›fl› Branfllar›n Hasar Prim Oranlar› 9.Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar Tablosu 10.Sigorta ve Reasürans fiirketlerinin Özkaynaklar› 11.Sigorta fiirketlerinin Alacaklar› (Hayat Dahil) 12.Sigorta fiirketlerinin Toplam Prim - Genel GiderTeknik Kar- Bilanço Kar› ‹liflkisi 13.fiirketlere ve Branfllara Göre Prim Gelirleri 48 50 52 54 55 56 56 57 58 58 59 60 Statistical Tables of the Turkish Insurance Sector 1. Consolidated Balance Sheet of Insurance and Reinsurance Companies 2. Consolidated Profit and Loss Accounts of Non Life Branches (Companies) 3. Consolidated Profit and Loss Accounts of Life Branch (Companies) 4. Consolidated Profit And Loss Account of Non-Life Branches (Reinsurance Companies) 5. Consolidated Profit and Loss Account of Life Branch (Reinsurance Companies) 6. Consolidated Profit and Loss Account of Pension Branch 7. Technical Profit According to Branches and Annual Changes 8. Loss Ratios of Non-Life Branches 9. Consolidated Financial Profit and Loss Accounts of Insurance and Reinsurance Companies 10. Equity Capital of Insurance and Reinsurance Companies 11. Receivables of Insurance Companies (Including Life) 12. Relations between Total Premiums - General Expenditures Technical Profit - Balance Sheet Profit 13. Premium Income by Company and by Branch Yasal Düzenlemeler ve Avrupa Birli¤i Mevzuat›na Uyum Çal›flmalar› 1.Mevzuata ‹liflkin Çal›flmalar 64 2.Di¤er Mevzuat Geliflmeleri 66 3.Hazine Müsteflarl›¤›’na Görüfl Bildirilen Çal›flmalar 70 4.Di¤er Çal›flmalar 72 Legislation and Harmonization with the Acquis Communautaire TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 1. Activities in the Legislative Field 2. Other Legislative Developments 3. Works Related to the Regulations of the Treasury 4. Other Activities 1 ‹Ç‹NDEK‹LER CONTENTS Uluslararas› Kurulufllarla ‹liflkiler ve Avrupa Birli¤i Uyum Süreci Çal›flmalar› 1.Avrupa Birli¤i ile ‹liflkiler 2.Uluslararas› Kurulufllarla ‹liflkiler 3.Avrupa Birli¤i ile ‹lgili Di¤er Faaliyetler Relations with International Institutions and Harmonization with the European Union 1. Relations with the European Union 2. Relations with International Institutions 3. Other Activities Related to the European Union 76 78 81 Mali ve Finansal Konulardaki Geliflmeler ve Faaliyetler 1.Mali Konulardaki Faaliyetler 84 2.Finansal Konulardaki Faaliyetler 88 Developments and Activities in Fiscal and Financial Matters 1. Activities about Fiscal Matters 2. Activities about Financial Matters Konferanslar ve Yay›nlar 1.Düzenlenen Toplant›, Konferans ve Sempozyumlar 2.Yay›nlar 3.Di¤er Faaliyetler Conferences and Publications 1. Meetings, Conferences and Symposiums Organized 2. Publications 3.Other Activities 92 93 95 Ek: Sigorta ve Reasürans fiirketlerinin ‹sim ve Adresleri Annex: Names and Addresses of the Insurance and Reinsurance Companies 2 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY SUNUfi PREFACE Türk ekonomisinde yaflanan olumlu geliflmeler, AB uyum süreci kapsam›nda gerçeklefltirilen reformlar ve ülkemizin sahip oldu¤u genç nüfus yabanc› yat›r›mc›lar›n gözünde Türkiye’yi yat›r›m yap›labilecek bir pazar haline getirmifltir. Uluslararas› finansal aktörlerin serbestçe hareket etti¤i bir ortamda 2006 y›l›nda Türk Sigorta Sektöründe yaflanan birleflmeler ve sat›n almalar neticesinde yabanc› sermaye giriflinde önemli bir art›fl olmufltur. Türk Sigorta Sektörüne yat›r›m yapan yabanc› sermayenin sigortac›l›k kökenli olmas›, sektörümüzdeki rekabeti pozitif yönde etkileyecektir. Sa¤l›kl› ve sigortac›l›k tekni¤ine daha uygun rekabetin oluflmas›, serbest tam rekabete izin veren, di¤er yandan uluslararas› flirketlerin mali yap›lar›n› düzenleyecek mevzuat›n oluflturulmas› ve uygulanmas›yla mümkün olacakt›r. Türk Sigorta Sektöründeki düzenlemeler aç›s›ndan var olan yasal bofllu¤un doldurulmas› ve sektörün sa¤l›kl› bir yasaya kavuflmas› için y›llard›r üzerinde çal›fl›lan Sigortac›l›k Kanun Tasla¤› TBMM gündemine al›nm›fl ve 3 Haziran 2007 tarihinde TBMM taraf›ndan kabul edilmifltir. Bu, Türk Sigorta Sektörü aç›s›ndan önemli bir geliflmedir. Positive economic developments, reforms accomplished during the EU harmonization process and its young population, make Turkey an attractive country for investment in the eyes of foreign investors. In an environment where international financial actors benefit from free movement, there has been a remarkable increase of foreign capital inflow to the Turkish insurance market mostly as a result of mergers and acquisitions. The fact that foreign investors are at the same time insurers in origin will have a positive competitive impact in our market. A healthy competitive environment will be possible by the formation and implementation of an insurance legislation providing for free competition and at the same time regulating the financial structures of international companies. The long awaited Turkish Insurance Law has been discussed in the Turkish Parliament and approved on June 3, 2007 to fulfill the legal and regulatory gaps in the Turkish insurance sector. This has been a very significant development for the entire sector. 2006 y›l›nda sigorta sektörünün teknolojik altyap›s›n›n geliflmesi, yetiflmifl eleman kadrosunun ve hizmet kalitesinin artmas› prim üretimi art›fl›n› da beraberinde getirmifl ve y›lsonu itibariyle Türkiye de faaliyet gösteren sigorta flirketlerinin prim üretimi, 2005 y›l›na göre % 23.68 oran›nda bir art›fl göstermifl ve toplam 9.667.541.000 YTL’ye ulaflm›flt›r. Sigorta uygulamalar›n›n niteli¤inin art›r›lmas› amac›yla; sektörün güncel konular›n›n tart›fl›ld›¤› ve konuyla ilgili uzmanlar›n sunum yapt›¤›, “Türkiye’nin AB’ye Tam Üyeli¤ine Do¤ru Türk Sigorta Sektörünün Öncelikli Sorunlar›” isimli toplant›lar dizisine 2006 y›l› içerisinde de devam edilmifl, bu kapsamda “Mortgage Sigorta Ürünleri” ve “Konut Finansman› Kanun Tasar›s›n›n De¤erlendirilmesi” bafll›kl› iki toplant› düzenlenmifltir. “Küresel Sigorta Piyasalar› ve Türk Sigorta Sektörünün Rekabet Gücü” konulu ‹kinci Ulusal Sigorta Sempozyumu gerçeklefltirilmifl ve Avrupa Sigorta ve Reasürans Birlikleri Federasyonu (CEA) taraf›ndan her y›l düzenlenen Genel Kurul toplant›lar›, ‹stanbul’da, Birli¤in ev sahipli¤inde düzenlenmifltir. Tüm bu çal›flmalar›n yan›nda Birli¤imiz, AB Türkiye Temsilcili¤i, AB Brüksel Ofisi, OECD, Dünya Bankas›, CEA ve Yabanc› Birlikler ile 2006 y›l› içinde çeflitli toplant› ve ziyaretler gerçeklefltirmifltir. Bu ziyaretlerde, söz konusu kurumlar›n yetkililerine Türk Sigorta Sektörü ile ilgili güncel bilgiler verilmifltir. 2006 y›l›nda Sigorta Sektörünün vergilendirilmesi ile ilgili sorunlar, geçmifl dönemde yaflanan geliflmeler, çözümsüz kalan hususlarda Maliye Bakanl›¤› yetkilileri ile bir dizi toplant› yap›lm›fl ve Kurumlar Vergisi Kanunu Tasar›s›’na iliflkin sigorta sektörünü do¤rudan ilgilendiren 8inci ve 34üncü maddelerin sektörümüz istek ve ihtiyaçlar›na uygun flekilde düzenlenmesi sa¤lanm›flt›r. Bunun yan› s›ra Bay›nd›rl›k Bakanl›¤›, Çevre ve Orman Bakanl›¤›, Emniyet Genel Müdürlü¤ü ve di¤er ilgili kurum ve kurulufllarla sektörümüzü ilgilendiren konularla ilgili toplant› ve çal›flmalarda Birli¤imiz de yer alm›flt›r. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In 2006, thanks to the improvement of the technological infrastructure and the service quality of the companies and to the increases in the number of trained employees, total premium volume of the insurance companies operating in Turkey increased by 23.68 % when compared to 2005 and reached TRY 9.7 billion ($6.8 billion). In 2006, our Association continued to the “Seminars Concerning the Primary Problems of the Turkish Insurance Sector throughout Turkey’s EU Membership Process” in which specialists of the discussion topic make presentations to inform the insurance sector representatives on various issues. The topics of the meetings held in 2006 were “Mortgage Insurance Products” and “Evaluation of the Draft Mortgage Law”. The Second National Insurance Symposium of the Association, entitled “Global Insurance Markets and the Competitiveness of the Turkish Insurance Sector” was held on May 2006. On the other hand, the Association hosted the 2006 General Assembly Meetings of the European Insurance and Reinsurance Federation (CEA) in Istanbul. In 2006, the Association paid a series of visits to international organizations and held meetings with the officials of the Delegation of the European Commission to Turkey, OECD, the World Bank, CEA and foreign Associations. During these visits, the authorities in charge have been given up-to-date information on the Turkish insurance sector. Meetings have also been held with the Ministry of Finance on the problems relating to the taxation of the insurance sector in 2006, developments that occurred during the previous period and problems that remained unresolved. At the end of the meetings, Articles 8 and 34 of the New Corporate Tax Law relating directly to the insurance sector were formulated in line with the demands and needs of our sector. Moreover, meetings were held with the Ministry of Public Works and Settlement, Ministry of Environment and Forestry, General Directorate of Security and other related public and private institutions. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3 SUNUfi PREFACE Bu çal›flmalara ek olarak 2006 içinde Kaza Tespit Tutana¤› Operasyonu, Solvency II Projesi, Genel Sa¤l›k Sigortas› ile ilgili çal›flmalar gerçeklefltirilmifltir. In addition to these, work has been carried on in 2006 on the Solvency II Project, General Health Insurance and the Agree Statements of Facts on Motor Vehicle Accident System. Birli¤imiz ayr›ca, 2006 y›l›nda, sigortac›l›k e¤itimi veren yüksekokullar ve sigortac›l›k meslek yüksekokullar›nda verilen “E¤itim Seminerleri”ne devam etmifltir. Di¤er taraftan Birli¤imiz sektörümüzdeki kaynak eksikli¤ini gidermek amac›yla bafllad›¤› inceleme- araflt›rma yay›nlar›na devam etmifl ve 2006 y›l›nda toplam 9 adet kitap yay›mlanm›flt›r. Bu arada “Birlik’ten” dergisi de çeflitli konu ve araflt›rmalarla yay›mlanmaya devam etmifltir. Birlik çal›flmalar› ile ilgili ülkemizdeki ve dünya sigorta sektöründeki geliflmelerin yer ald›¤› Türkçe ve ‹ngilizce e-bültenler ile inceleme ve araflt›rmalar›n yer ald›¤› Sigorta Araflt›rmalar› Dergisi yay›nlanmaya devam etmifltir. In 2006, the Association continued to provide “Training Seminars” in vocational insurance schools. On the other hand, the Association continued to attach importance to the research and analysis activities in the field of insurance that it considers as a significant deficiency in the sector; and published 9 books in total in 2006. The periodical “From the Association” (“Birlik’ten”) continued to be published quarterly. Turkish and English e-bulletins covering the developments in the Turkish insurance sector and the world and the Journal of Insurance Studies continued to be published. Birli¤imiz nezdinde faaliyette bulunan kurulufllardan biri olan Karayolu Trafik Garanti Sigortas› Hesab›, 2006 y›l›nda da çal›flmalar›na devam etmifl, 52.883 dosyaya iliflkin toplam 55.7 m i l y o n Y T L t a z m i n a t ö d e m e s i g e r ç e k l e fl t i r i l m i fl t i r . TRAMER uygulamalar› ile sa¤lanan merkezi denetim sonras›nda Trafik Sigortas›ndaki sigortas›zl›k oran›ndaki azalma e¤ilimi 2006 y›l›nda da devam etmifl ve bu oran %17’ye gerilemifltir. Ayr›ca Kasko Sigortalar›nda TRAMER sisteminden on-line “Hasar Durum Belgesi” verilmeye bafllanm›fl ve web üzerinden poliçe sorgulama olana¤› sa¤lanm›flt›r. Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› poliçeleri için de Trafik sigortas›nda oldu¤u gibi “Hasar Durum Belgesi” merkezi olarak verilmeye bafllam›flt›r. 5363 say›l› Tar›m Sigortalar› Kanunu çerçevesinde Havuz Kurulu oluflturulmufl ve 01.06.2006 tarihi itibariyle Devlet Destekli Tar›m Sigortalar› uygulamas› bafllam›flt›r. Bu çerçevede 16 sigorta flirketi bir araya gelerek havuz iflleticisi TARS‹M A.fi.’yi kurmufltur. 2006 y›l›nda TARS‹M A.fi. taraf›nda Türkiye’de tüm meyvelere dolu, yang›n, f›rt›na, hortum ve heyelan teminatlar›na ilaveten ekonomik kay›plar aç›s›ndan önemli bir risk olan don riskinin de %50’sinin devlet deste¤i ile teminat alt›na al›nmas› yönünde altyap› çal›flmalar› tamamlanm›fl ve 2007 y›l›nda TARS‹M A.fi. Türk çiftçisine bu teminat› sa¤lamaya bafllam›flt›r. Türk Sigorta Sektörünün geliflmesi ve daha etkin hizmet verebilmesini teminen, Birlik olarak yeni Sigortac›l›k Kanunumuza ba¤l› olarak yap›lacak tüm Mevzuat düzenlemeleri baflta olmak üzere, Türk Sigortac›l›¤›n›n geliflmesi ve kamuoyu nezdinde bilinilirli¤inin ve prestijinin artmas›na yönelik çal›flmalar›m›z›n artarak devam edece¤ini belirtir, sayg›lar›m› sunar›m. The Highway Traffic Guarantee Account (Karayolu Trafik Garanti Sigortas› Hesabi), one of the institutions operating under the Association, maintained its activities in 2006 and made an indemnification payment amounting to YTL 55.7 Million in total regarding 52.883 files. Following the centralized supervision provided by TRAMER (Motor TPL Insurance Information Center), the tendency in the decrease of non-insured motor vehicles continued in 2006 and declined to 17 %. TRAMER also started to provide online “certificates for damages” in Motor Vehicle Physical Damage Insurance and made it possible to search policies online. As in traffic insurance, “certificates for damages” for Compulsory Third Party Liability Insurance for Road Passenger Transportation were started to be provided centrally. A Pool was established in accordance with Agriculture Insurance Law No: 5363 and as of June 1, 2006, the implementation of state supported agriculture insurance started. In this context, 16 insurance companies came together and established TARSIM A.fi. (Agricultural Insurance Pool) in 2006, TARSIM A.fi. finalized the infrastructural work for the provision of 50 % public support to cover frost risk in addition to hail, storm, twister and avalanche coverage. In 2007, TARSIM A.fi. started to provide this coverage to the Turkish farmers. The Association is determined to continue its activities and endeavours for developing the Turkish insurance sector, increasing its recognition and prestige and implementing all the new legislation in line with the new Insurance Law. King regards ASSICIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Hulusi TAfiKIRAN Baflkan President 4 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ (TSRfiB) TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY (TSRfiB) ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 5 TAR‹HÇE HISTORY Türkiye'de sigortac›l›k faaliyetleri ve hizmetleri, 1870'lerden itibaren ve daha çok yabanc› sigorta flirketleri taraf›ndan bafllat›lm›flt›r. Daha sonra sigorta flirketleri, aralar›nda “meslek kuruluflu” fleklinde örgütlenme ihtiyac›n› duymufllar ve 12. 07.1900 tarihinde Beyo¤lu TEUTONIA salonunda 44 yabanc› flirket taraf›ndan “‹stanbulda Faaliyette Bulunan Yang›n Sigorta fiirketleri Sendikas›” ad›yla ilk meslek kuruluflu oluflturulmufltur. 13.12.1914 tarihinde “Ecnebi Anonim ve Sermayesi Eshama Munkasem fiirketler ile Ecnebi Sigorta fiirketleri Hakk›ndaki Kanun-u Muvakkat” kabul edilmifltir. Bu sendika daha sonra 1916 y›l›nda "Türkiye'de Çal›flan Sigorta fiirketleri Cemiyeti"ne dönüfltürülmüfltür. Bu cemiyetin, o tarihlerde tamam› yabanc› olan 81 üyesi bulunmakta idi. In Turkey the first insurance transactions were started mainly by foreign insurance companies which decided to establish a professional organization among themselves. Later the insurance companies felt the need of being organized among themselves as a “professional organization” and the first respective organization was formed on 12 July 1900 with the name of “Syndicate of Fire Insurance Companies Operating in Istanbul” by 44 foreign companies at the TEUTONIA Hall in Beyoglu. The Provisional Law Regarding the Foreign Insurance Companies” was approved on 13 December 1914. This Syndicate was turned into “The Society of Insurance Companies Operating in Turkey” in 1916 which had 81 members all of them being foreign companies. 1923 y›l›nda Türkiye Cumhuriyeti'nin kurulmas›ndan sonra, 11 Mart 1924 tarihinde bu cemiyet kald›r›larak, yerine "Sigortac›lar Kulübü" kurulmufltur. Daha sonra bu Kulüp yerini 1925 y›l›nda kurulan “Sigortac›lar Daire-i Merkeziyesi”ne b›rakm›flt›r. Bu ibare ilk kez 21 Aral›k 1926 tarihli Ticaret Bakanl›¤› yaz›s›nda görülmüfltür. 1149 Say›l› “Sigorta fiirketlerinin Teftifl Murakabesi Hakk›nda Kanun” 31.07.1927 tarihinde yürürlü¤e girmifltir. 1149 say›l› Kanun’un baz› maddelerinin de¤ifltirilmesine ve baz› maddelerin ilave edilmesine iliflkin 3392 say›l› kanun kabul edilerek 28.05.1938 tarihinde yürürlü¤e girmifltir. Following the establishment of the Turkish Republic in 1923, this Society was abolished and “The Club of Insurers” was set up on 11 March 1924 which later in year 1925 was replaced by “The Central Office of Insurers”. This expression was for the first time used in a document of the Ministry of Commerce dated 21st December 1926. “Law No.1149 regarding the Inspection and Supervision of Insurance Companies” was put into force on 31 July 1927. Later, Law No.3392 amending some articles of Law No.1149 and the inclusion of new articles was approved and put into force on 28 May 1938. 1950 y›l›nda Ankara’da toplanan “Sigorta fiuras›”nda sigorta flirketlerinin denetlenmesi konusunda yeni bir yasa tasla¤› haz›rlanm›fl ve sigortac›l›k meslek kuruluflu konusu gündeme gelmifltir. Yasa tasla¤› “Sigortac›lar Daire-i Merkeziyesi”ne görüfl almak üzere gönderilmifltir. “Sigortac›lar Daire-i Merkeziyesi” üyeleri aras›nda bu taslakla ilgili anlaflmazl›klar ç›km›fl ve Genel, Güven, Halk, Ankara ve ‹nan Sigorta üyelikten istifa etmifllerdir. Temmuz 1952’de üyelikten ayr›lan bu flirketlere Anadolu Sigorta ve Destek Reasürans flirketlerinin kat›l›m›yla “Türkiye Sigorta fiirketleri Birli¤i” ad›yla tüzel kiflili¤e haiz bir meslek birli¤i kurmufllard›r. 16.07.1952 tarihinde Bakanlar Kurulu taraf›ndan “Türkiye Sigorta fiirketleri Birli¤i” anasözleflmesi tasdik edilmifltir. 1952-1954 y›llar› aras›nda bir tarihte “Sigortac›lar Daire-i Merkeziyesi”nin ad› “Türkiye Sigortac›lar Cemiyeti” olarak de¤ifltirilmifltir. Ocak 1954’de “Türkiye Sigorta fiirketleri Birli¤i” kapanm›fl ve “Türkiye Sigorta ve Reasürans fiirketleri Birli¤i” nizamnamesi yay›nlanm›flt›r. 22.01.1954 tarihinde Türkiye Sigorta fiirketleri Birli¤i ile Türkiye Sigortac›lar Cemiyetinin birleflmesi ile oluflturulan “Türkiye Sigorta ve Reasürans fiirketleri Birli¤i”nin ilk umum toplant›s› yap›lm›flt›r. 21.12.1959 tarihinde “Sigorta fiirketlerinin Murakabesi Hakk›nda 7397 Say›l› Kanun" kabul edilmifl ve 30.12.1959 tarihinde yürürlü¤e girmifltir. 10.06.1976 tarihinde Türkiye Sigorta ve Reasürans fiirketleri Birli¤i Ana Tüzü¤ü yürürlü¤e girmifltir. 11.06.1987 tarihinde 7397 say›l› Kanunun baz› maddelerini de¤ifltiren ve kanuna baz› maddeler ekleyen 3379 say›l› “Sigorta Murakabe Kanunu” yürürlü¤e girmifltir. Bu kanunla, Birli¤e "kamu kurumu niteli¤inde meslek kuruluflu" hüviyeti verilmifltir. Bu kanunla yap›lan bir baflka de¤ifliklikle de, Birli¤in organ seçimlerinin yarg› gözetimi alt›nda, yani hakim nezaretinde yap›lmas› esas› getirilmifltir. 30.01.1989 tarihinde “Türkiye Sigorta ve Reasürans fiirketleri Birli¤inin Çal›flma Usulleri Hakk›nda Yönetmelik” yürürlü¤e girmifltir. 6 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In 1950, a new draft-law was prepared in respect of the supervision of insurance companies at the meeting of “Insurance Council” which came together in Ankara and the subject of insurance profession organization was put on the agenda. This draft-law was then sent to the “Central Office of Insurers” in order to take their views; however regarding this draft-law there occurred disagreement among the members of this Office and the insurance companies; Genel, Güven, Halk, Ankara and Inan resigned from the membership. In July 1952 Anadolu Sigorta and Destek Reasürans submitted their resignations and they established the “Association of Insurance Companies of Turkey” which had a status of a legal entity. On 16 July 1952, the statue of this association was approved by the Council of Ministers. Between 1952 and 1954 the name of the “Central Office of Insurers” was changed to “Society of Turkish Insurers”. In January 1954 the “Association of Insurance Companies of Turkey” was closed down and the regulation of “Association of Insurance and Reinsurance Companies of Turkey” was published. On 22 January 1954 the first General Assembly of the “Association of the Insurance and Reinsurance Companies of Turkey” which was formed by the unification of the “Association of the Insurance Companies of Turkey” and the “Society of Turkish Insurers” was carried out. On 21 December 1959 “Law No.7397 Regarding the Supervision of Insurance Companies” was accepted and came into force on the 30th December 1959. The statue of the Association of Insurance and Reinsurance Companies of Turkey came into practice on 10 June 1976. By the coming into force Law No.3379 regarding the Insurance Supervision on 11 June 1987 amending certain articles of the Law No.7397, status of the Association turned into a public institution. Another amendment was that the elections of the Association’s organs should be made under judiciary supervision. Later on 30 January 1989 the “Regulation Relating to the Working Principles of the Association of the Insurance and Reinsurance Companies of Turkey” came into force. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TSRfiB HAKKINDA ABOUT TSRSB Türkiye'de faaliyette bulunan yerli ve yabanc› tüm sigorta ve reasürans flirketleri ile yabanc› flirketlerin Türkiye’deki flubelerinin Hazine Müsteflarl›¤›'ndan ruhsat ald›ktan sonra üç ay içinde Birli¤e üye olmalar› zorunlu olup; Birli¤in 2006 y›l› sonu itibari ile 53’ü sigorta flirketi ve 2'si de reasürans flirketi olmak üzere, toplam 55 üyesi bulunmaktad›r. Üyelerimizin isim ve adres bilgileri Ek’de yer almaktad›r. Birlik merkezi ‹stanbul'da olup, gerekli görülen yerlerde temsilcilik açabilme yetkisine sahiptir. All of the insurance and reinsurance companies, local or foreign, operating in Turkey and branch offices of foreign companies in Turkey are obliged to be members of the Association within three months following their being licensed by the Undersecretariat for the Treasury. At the end of 2006 the Association had 55 members, 53 being insurance and 2 reinsurance companies. The names and addresses of our members are attached in Annex. The head office of the Association is in Istanbul and it has the power to open representative offices anywhere if it deems it necessary. Kanunda belirtildi¤i üzere Birli¤in amaçlar›; • Sigortac›l›k mesle¤inin geliflmesini sa¤lamak, • fiirketler aras›nda dayan›flma sa¤lamak, • Haks›z rekabeti önlemek üzere gerekli kararlar› almak ve uygulamakt›r. V‹ZYON Türkiye Sigorta ve Reasürans fiirketleri Birli¤i’nin vizyonu güvenilir ve tarafs›z bir otorite olarak, sigortac›l›k konusunda araflt›rmalar yapmak, e¤itim ve tan›t›m faaliyetlerinde bulunmak, sektördeki tüm paydafllar›n çal›flmalar›n› koordine etmek ve sigorta alan›nda referans bir kurum haline gelmektir. M‹SYON - Sigortac›l›k mesle¤inin ve sigortac›l›k hizmetlerinin geliflmesi ve yayg›nlaflmas›, - Yurtiçinde ve d›fl›nda sigortac›l›¤a ait geliflmelerin izlenmesi ve sigortac›l›k alan›nda araflt›rmalar yap›lmas› - Sigortac›l›¤› ilgilendiren konularda Kamu ‹daresine görüfl bildirilmesi - Yurtiçinde ve d›fl›nda sigortac›l›kla ilgili di¤er meslek kurulufllar› ile iliflkiler kurulmas› - Sigorta flirketleri aras›ndaki iliflkilerde mesleki dayan›flman›n güçlendirilmesi - Sigortac›l›k alan›nda etik kurallar›n saptanmas› - Üyeler aras›nda haks›z rekabetin ortadan kald›r›lmas› As it is stated in the Law, the goals of the Association are as follows: • To ensure the development of the insurance profession, • To secure solidarity among insurance companies • To adopt and implement all the necessary measures in order to control unfair competition. VISION As a neutral and reliable authority, the vision of the Association of the Insurance and Reinsurance Companies of Turkey is to become the reference institution in the field of insurance through conducting research, activities of publicity and education, organising and coordinating the activities of all stakeholders in the sector. MISSION - Developing the insurance sector and promoting insurance services - Monitoring national and international developments and conducting research on insurance - Providing advice to public authorities - Establishing relations with similar national and international institutions - Empowering solidarity between insurance companies - Producing code of ethics and ensuring unity in practices - Eliminating unfair competition among members - Establishing institutions for the development of the insurance profession and providing educational activities - Sigortac›l›k mesle¤inin gelifltirilmesi amac›na yönelik kurulufllar kurulmas›, e¤itim faaliyetlerinde bulunulmas› TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 7 YÖNET‹M KURULU VE D‹⁄ER ORGANLAR 31.12.2006 ‹T‹BAR‹YLE THE BOARD AND OTHER BODIES AS OF 31.12.2006 B‹RL‹K BAfiKANI Hulusi TAfiKIRAN PRESIDENT OF THE ASSOCIATION YÖNET‹M KURULU Baflkan THE BOARD President Hulusi TAfiKIRAN Mahir BAYYURDO⁄LU Baflkan Yard›mc›s› (01.02.2006 tarihine kadar) (until 01.02.2006) Vice President Murat BALCI (01.02.2006 tarihinden itibaren) (From 01.02.2006) Baflkan Yard›mc›s› Üye Üye Üye Vice President Member Member Member M. Kemal OLGAÇ Ertan FIRAT Mustafa SU Recep KOÇAK Hasan GÜLLER Üye (31.08.2006 tarihine kadar) (until 31.08.2006) Member Üye Rag›p YERG‹N Serdar ÇITAK Member Üye (31.08.2006 tarihine kadar) (until 31.08.2006) Üye (31.08.2006 tarihinden itibaren) (From 31.08.2006) Üye (31.08.2006 tarihinden itibaren) (From 31.08.2006) DENET‹M KURULU Üye Üye Member Muhittin YURT Member Yusuf YEfi‹LIRMAK Murat GÜVENEL Mustafa AKAN Tevfik CANSIZ Üye (31.08.2006 tarihine kadar) (until 31.08.2006) Üye (31.08.2006 tarihinden itibaren) (From 31.08.2006) Member BOARD OF AUDITORS Member Member Member Ramazan ÜLGER D‹S‹PL‹N KURULU Member BOARD OFDISCIPLINE Ali YÜCEKÖK Üye (17.07.2006 tarihine kadar) (Until 17.07.2006) Member Üye Cengiz D‹REN Gökhan ERÜN Member Üye Member (20.10.2005 tarihine kadar) (Until 20.10.2005) Recai DALAfi Üye (20.10.2005 tarihinden itibaren) (From 20.10.2005) Member Ersin ERKAN (01.09.2006 tarihinden itibaren) (From 01.09.2006) GENEL SEKRETERL‹K Genel Sekreter Yönetim Kurulu Müflaviri Genel Sekreter Yard›mc›s› Erhan TUNÇAY Zihni METEZADE Okan UTKUER‹ (15.03.2006 tarihine kadar) (Until 15.03.2006) Erdinç YURTSEVEN GENERAL SECRETARIAT General Secretary Board Consultant Deputy Secretary General (01.05.2006 tarihinden itibaren) (From 01.05.2006) Genel Sekreter Yard›mc›s› Doç. Dr. Suna OKSAY Deputy Secretary General (01.02.2007 tarihine kadar) (Until 01.02.2007) 8 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 26.04.2007 TAR‹H‹NDE YAPILAN GENEL KURUL SONUCUNDA OLUfiAN YÖNET‹M KURULU VE D‹⁄ER ORGANLAR THE BOARD AND OTHER BODIES AS OF THE DATED 26.04.2007 GENERAL ASSEMBLY PRESIDENT OF THE ASSOCIATION B‹RL‹K BAfiKANI Hulusi TAfiKIRAN YÖNET‹M KURULU Baflkan THE BOARD President Hulusi TAfiKIRAN Baflkan Yard›mc›s› Rag›p YERG‹N Vice President Baflkan Yard›mc›s› Mustafa SU Vice President Üye Kemal OLGAÇ Member Üye Ertan FIRAT Member Üye Okan UTKUER‹ Member Üye Muhittin YURT Member Üye Bülent SOMUNCU Member Üye M. ‹lker AYCI Member Üye Yusuf Cemil SATO⁄LU Member DENET‹M KURULU Üye Üye Üye Murat GÜVENEL Mustafa AKAN Ramazan ÜLGER D‹S‹PL‹N KURULU BOARD OF AUDITORS Member Member Member BOARD OFDISCIPLINE Üye Giray VEL‹O⁄LU Member Üye Cahit NOMER Member Üye Mehmet AYDO⁄DU Member GENEL SEKRETERL‹K GENERAL SECRETARIAT Erhan TUNÇAY General Secretary Yönetim Kurulu Müflaviri Zihni METEZADE Board Consultant Genel Sekreter Yard›mc›s› Erdinç YURTSEVEN Genel Sekreter TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Deputy Secretary General ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 9 ORGAN‹ZASYON YAPISI ORGANIZATIONAL STRUCTURE TSRSB-ORGAN‹ZASYON fiEMASI Yönetim Kurulu Müflaviri Genel Sekreter Yrd. Genel Sekreter AB ve Uluslararas› ‹liflkiler Asistan Bilgi ‹fllem Mali ve ‹dari ‹fller Kaza D›fl› Branfllar Kaza ve Hasar TEMEL SORUMLULUKLAR: TEMEL SORUMLULUKLAR: • Avrupa Birli¤i mevzuat›n›n izlenmesi • Birlik gereksinimleri do¤rultusunda • Uluslararas› iliflkiler, (Kurumsal iliflkiler, ‹statistik, Aktüerya ve IT Destek Üyelikler, yurtd›fl› tan›t›m ve medya iliflkileri) Mali ve Finansal Düzenlemeler yaz›l›m gelifltirilmesi donan›mlar›n kurulum ve iflletimi • Database yönetimi • Bilgi ifllem ile ba¤lant›l› kullan›c› destek hizmetleri 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) fiöför - Hizmetli • Sunucular, çevre birimleri ve di¤er tüm • Websitesi / Portal teknik yönetimi Hukuk ve Mevzuat Sekreterya - Santral 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 10 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY ORGAN‹ZASYON YAPISI ORGANIZATIONAL STRUCTURE TSRSB-ORGANIZATION CHART Adviser to the Board Deputy Secretary General Secretary General EU and International Relations Assistant Information Technology Non-Accident Branches Accident and Claims MAIN RESPONSIBILITIES MAIN RESPONSIBILITIES • Monitoring and harmonization with EU • Development of necessary software in insurance legislation Statistics, Actuary and IT Support Fiscal and Financial Regulations Financial and Administrative Affairs Head of Unit Secretariat - Santral line with the needs of the Association • International relations (international and • Servers, installation and management organizational corporate cooperation, of all hardware international publicity) • Database management Drivers - Workers Education, Publication • Website / portal technical management Law and Legislation • IT and related users support services MAIN RESPONSIBILITIES • Acounting and reporting MAIN RESPONSIBILITIES • Budget, cashflow, management and • Responding queries (Courts, questions finance from companies and general questions) • Administrative tasks • Development and sharing of knowledge • Maintance, repairment and purchase • Monitoring foreign sectoral developments of equipment and implementation • Archives and communication • Preparation and implementation of • Human resourcesand education projects of the sectoral needs • Management of the library • Preparation of statistics in line with the needs of the sector • Supporting and directing committee work • Development and conduct of sectoral cooperation projects • Monitoring fiscal and taxation legislation, conducting research in accordance with the needs and problemsof the sector • Monitoring and adapting national and EU insurance legislation • Preparation and implementation of projects in accordance with sectoral needs TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 11 12 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY G‹R‹fi TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ INTRODUCTION ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 13 SOSYO-EKONOM‹K GEL‹fiMELER SOCIO-ECONOMIC DEVELOPMENTS 2006 y›l›nda Gayri Safi Milli Has›la (GSMH) cari fiyatlarla % 18.4’lük art›flla 575.8 milyar YTL, ABD dolar› cinsinden % 10.8’lik art›flla 399.7 milyar dolar olmufltur. Gayri Safi Yurtiçi Has›la (GSY‹H) ise cari fiyatlarla %18.3’lük art›flla 576.3 milyar YTL’ye, ABD dolar› cinsinden %10.7’lik art›flla 400 milyar dolara yükselmifltir. Gross National Product (GNP) reached YTL 575.8 billion by an increase of 18.4%, 399.7 billion dollars in USD currency by an increase of 10.8% in 2006 whereas Gross Domestic Product (GDP) reached YTL 576.3 billion by an increase of 18.3%, in USD currency 400 billion dollars by an increase of 10.7% with current prices. 2006 y›l›nda sektörlerin geliflme h›z›na bak›ld›¤›nda, tar›m sektörünün %2.9, sanayi sektörünün %7.9 büyüdü¤ü görülmektedir. Büyümenin lokomotifi olarak görülen inflaat sektöründeki büyüme ise %19.4’e ulaflmaktad›r. As for the growth rate in the sectors in 2006, the agricultural sector grew by 2.9% whereas the industrial sector grew by 7.9%. The construction sector considered as the leading sector in terms of growth grew by 19.4%. 2006 y›l›nda kifli bafl›na düflen GSMH cari fiyatlarla bir önceki y›la göre % 16.9’luk art›flla 7.890 YTL, ABD dolar› cinsinden ise %9.4’lük art›flla 5.477 dolar olarak gerçekleflmifltir. GNP per capita reached YTL 7.890 by an increase of 16.9% in 2006 with current prices, 5.477 dollars in USD currency by an increase of 9.4% when compared with previous year. 2005 y›l›nda 190 milyar dolar olan d›fl ticaret hacmi ise 2006 y›l›nda 222 milyar dolara ulaflm›flt›r. Bu dönemde ihracat %15.9 art›flla 85 milyar dolar, ithalat ise %17.3 art›flla 137 milyar dolar olmufltur. D›fl ticaret a盤› da %19.8 oran›nda art›fl göstererek 51.9 milyar dolara ulaflm›flt›r. Dolay›s›yla 2006 y›l›nda ihracat›n ithalat› karfl›lama oran› %62.1’e gerilemifltir. Foreign trade volume which amounted to 190 billion dollars in 2005 reached 222 billion dollars in 2006. Exports reached 85 billion dollars by an increase of 15.9% whereas imports reached 137 billion dollars by an increase of 17.3% in the same period. Foreign trade deficit reached 51.9 billion dollars by an increase of 19.8%. Therefore the export coverage decreased to 62.1% in 2006. 2006 y›l›nda gerek turist say›s› gerek turizm gelirleri bir önceki seneye göre gerileme göstermifltir. Ülkemizden ç›k›fl yapan yabanc› turist say›s› 19.3 milyon, vatandafl say›s› ise 3.8 milyon olmufltur. Turizm gelirleri 12.5 milyar dolar› yabanc› ziyaretçilerden 4.3 milyar dolar› da vatandafllardan olmak üzere 16.8 milyar dolar olarak gerçekleflmifltir. Both the number of tourists and tourist receipts decreased in 2006 when compared with previous year. The number of international tourists departing from the country reached 19.3 million whereas the number of citizens departing reached 3.8 million. Tourist receipts amounted to 16.8 billion dollars, 12.5 billion dollars from international tourists 4.3 billion from the citizens. Tüm bu geliflmeler ›fl›¤›nda, turizm gelirlerindeki gerileme ve yüksek d›fl ticaret a盤›na paralel olarak, 2005 y›l›nda 23 milyar dolar aç›k veren cari ifllemler dengesi, 2006 y›l›nda 31.3 milyar dolar aç›k vermifltir. Böylece, cari ifllemler dengesi a盤› GSMH’nin %7.8’ine ulaflm›flt›r. In the light of these developments, parallel to the decrease in tourist receipts and high foreign trade deficit the foregoing the current account balance that showed 23 billion dollar deficit in 2005 showed a deficit amounting to 31.3 billion dollars in 2006. Thus the current account balance deficit reached 7.8% of GNP. Di¤er taraftan, 2006 y›l› Ocak-Aral›k döneminde net uluslararas› do¤rudan yat›r›m girifli (fiili girifl), 19.8 milyar dolar düzeyinde gerçekleflmifltir. Uluslararas› do¤rudan yat›r›m giriflleri kaleminde yer alan sermaye girifli 2006 y›l›nda toplam 17.4 milyar dolara ulaflm›fl olup, 2005 y›l›na göre 2 kattan fazla art›fl göstermifltir. Uluslararas› do¤rudan yat›r›m giriflinin baflta mali sektör olmak üzere, ulaflt›rma, haberleflme ve depolama hizmetleri, toptan-perakende ticaret ve imalat sanayi sektörlerinde gerçekleflti¤i görülmektedir. On the other hand the foreign direct investment inflows (actual entry) amounted to 19.8 billion dollars in January-December period in 2006. Capital inflows included in the international direct investment inflow items reached 17.4 billion dollars in total in 2006 by an increase more than 2 folds when compared to 2005. It is observed that the foreign direct investment inflows also happened especially in the financial industry, transportation, communication and storing services, wholesale-retail trade and manufacturing industry sectors. 2006 y›l› bütçe performans› ise son derece olumlu gerçekleflmifltir. 2006 y›l›nda merkezi yönetim bütçe gelirleri 171.3 milyar YTL, giderleri ise 175.3 milyar YTL olarak gerçekleflmifl, böylece bütçe a盤› 4 milyar YTL olmufltur. Bütçe a盤›n›n GSMH’ye oran› %0.7’ye düflerek Avrupa Birli¤i Maastricht kriterlerini karfl›lamaya devam etmifltir. Faiz d›fl› fazla da 42 milyar YTL ile GSMH’n›n %7.2’si düzeyinde gerçekleflmifltir. 2005 y›l› rakamlar› merkezi yönetim bütçesi baz›nda verilmedi¤i için, son iki y›l› karfl›laflt›rma imkan› bulunmamaktad›r. Sosyal geliflmelerle ilgili olarak, 2000 y›l› nüfus say›m›na göre yap›lan geçici nüfus projeksiyonlar›na göre, 2006 y›l›nda y›ll›k nüfus art›fl h›z›n›n % 1.24, toplam nüfusun ise 72.974.000 oldu¤u tahmin edilmektedir. Ortalama yaflam süresinin ortalama 71.5, erkeklerde 69.1, kad›nlarda ise 74 oldu¤u tahmin edilmektedir. 14 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Budget performance in 2006 was profoundly positive. General government budget income amounted to YTL 171.3 billion where as general government budget expenses amounted to YTL 175.3 billion in 2006, thus the budget deficit reached YTL 4 billion. The proportion of the budget deficit to GNP decreased by 0.7%, it still fulfilled the European Union, Maastricht criteria. Primary surplus was 7.2% of GNP by YTL 42 billion dollars. It is not possible to compare the last two years because 2005 figures are not indicated on the basis of central government budget. As for the social developments, it is estimated that annual birth growth rate was 1.24%, and the total population was 72.974.000 in 2006 according to temporary population projections made according to 2000 census. Average life time is estimated to be 71.5 years, 69.1 years for men 74 years for women. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY SOSYO-EKONOM‹K GEL‹fiMELER SOCIO-ECONOMIC DEVELOPMENTS a) Nüfusun yafl gruplar›na göre da¤›l›m›: a) Breakdown of population by age group: 0-14 yafl grubu : % 28.1 14-65 yafl grubu : % 65.9 65+ yafl grubu : % 6 0-14 years: 28.1 % 14-65 years: 65.9 % Over 65 years: 6 % b) 2005-2006 ö¤retim y›l›nda okullaflma oran›: b) School enrollments in 2005-2006 academic year: Okul öncesi e¤itim : % 19.9 ‹lkö¤retimde : % 95.6 Orta ö¤retimde : % 85.2 Yüksek ö¤retimde : % 43.4 Preschool education: 19.9 % Elementary school education: 95.6 % Secondary school education: 85.2 % University education: 43.4 % c) Sa¤l›k c) Health Yatak say›s› : 197.170 Doktor say›s› : 103.150 Yatak bafl›na düflen kifli say›s› : 372 Doktor bafl›na düflen kifli say›s› : 707 Number of beds: 197.170 Number of doctors: 103.150 Number of people/beds: 372 Number of people/doctors: 707 d) ‹stihdam d) Employment ‹flgücü : 24.776.000 ‹stihdam : 22.330.000 ‹flgücüne Kat›lma Oran› : % 48 Toplam istihdam içinde; Tar›m sektörünün pay› : % 27.3 Sanayi sektörünün pay› : % 19.7 ‹nflaat : %5.7 Hizmetler sektörünün pay› : % 47.3 Workforce: 24.776.000 Employment: 22.330.000 Labor Participation Rate: 48 % Sectoral shares of employment; Agriculture: 27.3 % Industry: 19.7 % Construction: 5.7 % Services: 47.3 % 2005 y›l›nda sosyal sigorta programlar› taraf›ndan kapsanan nüfusun oran› %92, sa¤l›k hizmetleri bak›m›ndan sosyal sigorta kapsam›ndaki nüfusun oran› ise %91,7’dir. Sosyal sigorta sisteminin en önemli sorunu, sistemin gelirlerinin giderlerini karfl›layamamas›d›r. Sosyal sigorta kurulufllar›na bütçeden yap›lan transfer tutar›n›n GSY‹H’ya oran› 2000 y›l›nda yüzde 2,6 iken, bu oran 2005 y›l›nda yüzde 4,8’e yükselmifltir. In 2005 92% of the population was covered by social security schemes whereas 91.7% of the population was covered by social security with respect to healthcare services. The most important problem in the social security system is that the systems incomes cannot cover the expenses. While the proportion of the amount transferred from the budget to the social security establishments to GDP was 2.6 percent in 2000, it reached 4.8 percent in 2005. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 15 SOSYO-EKONOM‹K GEL‹fiMELER SOCIO-ECONOMIC DEVELOPMENTS 2006 YILININ TEMEL SOSYO-EKONOM‹K GÖSTERGELER‹ MAIN SOCIO-ECONOMIC INDICATORS FOR 2006 Nüfus (2006 Y›l Ortas›) Nüfus Art›fl H›z› (%) Bebek Ölüm Oran› (Binde) Ortalama Yaflam (Erkek) Ortalama yaflam (Kad›n) Kentsel Nüfus (%) Sivil ‹stihdam (15+Yafl) ‹flsizlik Oran› (%) Doktor Bafl›na Düflen Nüfus Yatak Bafl›na Düflen Nüfus Okul Öncesi E¤itim Okullaflma Oran›-2005/2006(%) Temel E¤itim Okullaflma Oran› -2005/2006 (%) Ortaö¤retim Okullaflma Oran›-2005/2006 (%) Yüksekö¤retim Okullaflma Oran›-2005/2006 (%) Aktif Sigortal› Say›s›-2005 Ba¤Kur Emekli Sand›¤› SSK Di¤er 72.974.000 1.24 22.6 69.1 74 67.9 22.330.000 9.9 707 (1) 372 (1) 19.9 (2) 95.6 (3) 85.2 (3) 43.4 (4) 11.547.549 2.103.651 2.402.409 6.965.937 75.552 Population (Mid 2006) Population Growth Rate(%) Infant Mortality Rate (per thousand) Life Expectancy (Men) Life Expectancy (Women) Urban Population (%) Civil Employment (Age 15+) Unemployment Rate (%) Number of people/doctors: Number of people/beds: Preschool Education Schooling Rate-2005/2006 (%) Basic Education Schooling Rate-2005/2006 (%) Secondary Education Schooling Rate-2005/2006 (%) Higher Education Schooling Rate-2005/2006 (%) Number of Active Insureds-2005 Ba¤Kur Emekli Sand›¤› SSK Others 72.974.000 1.24 22.6 69.1 74 67.9 22.330.000 9.9 707 (1) 372 (1) 19.9 (2) 95.6 (3) 85.2 (3) 43.4 (4) 11.547.549 2.103.651 2.402.409 6.965.937 75.552 Gayri Safi Milli Has›la-Cari Fiyatlarla (milyon YTL) Gayri Safi Milli Has›la-(milyon ABD Dolar›) GSMH Büyüme Oran› (%) Kifli Bafl›na GSMH- Cari Fiyatlarla (ABD Dolar›) ‹thalat (Milyon ABD Dolar›) ‹hracat (Milyon ABD Dolar›) Turizm Gelirleri (Milyon ABD Dolar›) Merkezi Yönetim Bütçe Gelirleri (milyar YTL) Merkezi Yönetim Bütçe Giderleri (milyar YTL) Bütçe A盤›n›n GSMH’ye Oran› (%) 575.784 399.673 6.0 5.477 137.032 85.142 16.850 171.3 175.3 0.7 Gross National Product-Current Prices (million YTL) Gross National Product (USD million) GNP Growth Rate (%) GNP per capita –Current Prices (USD) Imports (USD million) Exports (USD million) Tourism Revenues (USD million) General Government Budget Revenue (million YTL) General Government Budget Expenses (million YTL) Budget Deficit to GNP (%) 575.784 399.673 6.0 5.477 137.032 85.142 16.850 171.3 175.3 0.7 TÜFE (%) ÜFE (%) 9.65 11.58 Consumer Price Index (%) Producer Price Index (%) Sigortal› Prim Geliri (milyon YTL) Sigortal› Prim Geliri / GSMH (%) 9.668 1.68 Insurance Premium Income (million YTL) Insurance Premium Income/GNP (%) (1) DPT Tahmin (2) 4-5 Yafl grubuna göre hesaplanm›flt›r. (3) Aç›k ilk ö¤retim ve açık lise dahil (4) Lisansüstü hariç 16 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ (1) SPO estimate (2) According to 4-5 years of age (3) Including open elementary school and open high school (4) Except graduate level ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 9.65 11.58 9.668 1.68 DÜNYA S‹GORTA SEKTÖRÜ THE GLOBAL INSURANCE INDUSTRY 2005 sonu itibar›yla Dünyada toplam prim büyüklü¤ü %3 art›flla 3.257 milyar dolardan 3.442 milyar dolara yükselmifltir. Toplam prim üretiminin 3.009 milyar dolarl›k k›sm› geliflmifl ülkelerde oluflurken, sigorta bilincinin tam olarak yerleflmedi¤i geliflmekte olan ülkelerde bu miktar 433 milyar dolarda kalm›flt›r. Ancak, primler bir önceki y›la göre geliflmifl ülkelerde %2.5 artarken, geliflmekte olan ülkelerde art›fl oran› %7.5’e varmaktad›r. Dünya sigorta sektöründeki büyüme 2005 y›l›nda da özellikle geliflmekte olan ülkelerden kaynaklanmaktad›r. Amerika k›tas›nda reel primler 2004 y›l›na göre %2.4 azal›rken, Avrupa’da %7.7 Asya’da ise %4.7 art›fl görülmektedir. Total premium production in the world that amounted to 3.257 billion dollars reached 3.442 billion dollars by an increase of 3% as of the end of 2005. 3.009 billion dollars of the total premium production happened in developed countries whereas it amounted to 433 billion dollars in developing countries where the insurance awareness is not sufficiently developed. However, when compared with the previous year, while the premiums increased by 2.5% in developed countries, the rate of increase reached 7.5% in developing countries. The growth in the insurance industry in 2005 in the world emanates from the developing countries. While real premiums in American continent decreased by 2.4% it increased in Europe and Asia respectively by 7.7% and 4.7%. Dünya prim üretiminin %38.7’sini gerçeklefltiren Avrupa k›tas› ilk s›rada yer al›rken, bunu %36.2 ile Amerika ve %22.2 ile Asya takip etmektedir. Geçen senelerde oldu¤u gibi, hayat d›fl› branfllarda prim üretimi liderli¤ini Amerika elinde tutarken, hayat branfl›nda Avrupa en büyük yüzdeye sahip k›tad›r. Dünyada primlerin Gayri Safi Yurt ‹çi Has›laya (GSY‹H) oran› %7.5 iken, geliflmifl ülkelerde bu oran %9’u bulmakta, geliflmekte olanlarda ise %3.6’da kalmaktad›r. Primlerin GSY‹H’ya oran›n›n en yüksek oldu¤u ülke %14.5 ile Güney Afrika olup, bu ülkeyi %14.1 ile Tayvan, %12.8 ile ‹ngiltere, %11.2 ile ‹sviçre ve %10.7 ile Japonya takip etmektedir. Dünyada kifli bafl›na düflen prim büyüklü¤ü ortalamas› 514 dolard›r. Bu miktar geliflmifl ülkelerde 3.238 dolar iken, geliflmekte olan ülkelerde 77 dolarda kalmaktad›r. Kifli bafl›na düflen primler Kuzey Amerika’da 3.624 dolar, Avrupa Birli¤i’nde ise 2.459 dolar olup, Afrika’da sadece 47 dolard›r. Ülkeler baz›nda bak›ld›¤›nda ise, Dünyada en yüksek prim üretimi 1.109 milyar dolarla ABD’de olup, bu miktar bir önceki seneye göre reel bazda küçülmesine karfl›n, dünyadaki toplam üretimin %32’sine denk gelmektedir. ABD’de kifli bafl›na düflen prim üretimi 3.755 dolar olup, bu miktar›n yar›dan fazlas›n› hayat-d›fl› primler oluflturmaktad›r. Dünyada kifli bafl›na en yüksek prim üreten ülkeler 5.664 dolarla ‹sviçre ve 4.755 dolarla ‹ngiltere’dir. Dünya Sigorta Sektörü (2005) While the proportion of the premiums in the world to Gross Domestic Product (GDP) is 7.5%, it reaches 9% in the developed countries, but it is only 3.6% in the developing countries. The country where the proportion of premiums to GNP is the highest is South Africa by 14.5% followed by Taiwan by 14.1%, UK by 12.8%, Switzerland by 11.2% and Japan by 10.7%. In the world, premium production per capita amounts to 514 dollars. It amounts to 3.238 dollars in developed countries whereas it amounts to 77 dollars in developing countries. It amounts to 3.624 dollars in South America and 2.459 dollars in the European Union whereas it amounts to only 47 dollars in Africa. The USA has the highest premium production in the world which amounts to 1.109 billion dollars, it equals to 32% of the total global production in spite of the decrease on real basis when compared with previous year. Premium production per capita in the USA amounts to 3.755 dollars, the nonlife premiums constitute more than half of it. In Switzerland and the UK it amounts to 5.664 dollars and 4.755 dollars respectively. Global Insurance Industry (2005) Prim üretimi (milyon $) Premium Production ($ Million) Amerika America Avrupa Europe Asya Asia Avustralya Australia Afrika Africa DÜNYA WORLD Sanayileflmifl ülkeler Industrialized countries Geliflmekte olan ülkeler Developing countries Constituting 38.7% of the global premium production, Europe is at the top followed by America by 36.2% and Asia by 22.2%. As in previous years, America is leading in non-life branches whereas Europe has the highest percentage in the life branch. 2003 y›l›na göre reel prim art›fl› (%) % Year on year change Dünyadaki pay› (%) % Share of world total Primlerin GSY‹H’ya oran›(%) Premiums as % of GDP Kifli bafl› prim ($) Per capita premium production ($) 1.246.515 -2.4 36.21 7.77 1.410 1.332.319 7.7 38.70 7.83 1.519 765.238 4.7 22.23 6.89 198 55.865 -3.0 1.62 6.77 1.733 42.353 7.3 1.23 4.67 47 3.442.290 3.0 100 7.49 514 3.009.214 2.5 87.42 8.92 3.238 433.076 7.5 12.58 3.60 77 Kaynak: Swiss Re, Sigma No 5/2006 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Source: Swiss Re, Sigma No 5/2006 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 17 AVRUPA B‹RL‹⁄‹ S‹GORTA SEKTÖRÜ EUROPEAN UNION INSURANCE INDUSTRY 2005 y›l›nda 25 üyeli olan Avrupa Birli¤i’nde sigorta sektörü %8.5’lik reel bir art›fl yakalayarak, Dünya ortalamas›n›n ve geliflmifl ülkelerin ortalamas›n›n oldukça üstünde büyümüfl ve 1.24 trilyon dolar hacme ulaflm›flt›r. Bu art›flta hayat branfl›nda prim üretiminin bir önceki y›la göre %13 gibi yüksek bir oranda büyümesinden kaynaklanmaktad›r. Hayat-d›fl› branfllardaki reel art›fl oran› ise %1.8’de kalm›flt›r. AB’de prim hacmi Dünya prim hacminin %36’s›na denk gelmektedir. Hayat branfl›nda prim büyüklü¤ü 773 milyar dolar, hayat-d›fl› branfllarda ise 471 milyar dolard›r. In 2005 the growth in the insurance industry in the European Union was considerably higher than the global average and the average of developed countries, and it reached 1.24 trillion dollars by a real increase of 8.5%. Such an increase emanates from the 13% increase of the life branch premium production. However the real increase rate in the non-life branches was only 1.8%. Premium volume in the EU equals to 36% of the global premium volume. Premium size in the life branch amounts to 773 billion dollars whereas it amounts to 471 billion dollars in the non-life branches. Ülkeler baz›nda bak›ld›¤›nda, AB’de en yüksek prim hacmi 336 milyar dolar ile ‹ngiltere’de görülürken, bu ülkeyi 220 ve 198 milyar dolarla Fransa ve Almanya takip etmektedir. Polonya ve Macaristan gibi yeni AB üyesi ülkelerin prim büyüklükleri ise s›ras›yla 9.4 ve 3.3 milyar dolard›r. The UK has the highest premium volume in EU amounting to 336 billion dollars. It is followed by France and Germany by 220 and 198 billion dollars respectively. Premium size of the new members of the EU such as Poland and Hungary is only 9.4 and 3.3 billion dollars respectively. AB’de kifli bafl›na prim üretimi, 2005 y›l›nda 2.459 dolar olurken, AB 15 ülkelerinde bu ortalama 2.872 dolara ç›kmaktad›r. AB üyesi ülkelerden ‹ngiltere’de 4.755 dolar kifli bafl› prim üretimi gerçeklefltirilirken, bu miktar Hollanda’da 3.653, Fransa’da 3.462, Almanya’da 2.318 dolar, yeni üyelerden Macaristan’da 333, Polonya’da ise sadece 245 dolard›r. Premium production per capita in the EU amounts to 2.459 dollars in 2005 whereas the average in the EU-15 reaches to 2.872 dollars. While the premium production per capita amounts to 4.755 in the UK, it amounts to 3.653 in the Netherlands, 3.462 in France, 2.318 in Germany, and only 333 dollars in Hungary and 245 dollars in Poland. 2005 y›l›nda AB’de sigorta sektörünün Gayri Safi Yurt ‹çi Has›la (GSY‹H) içindeki pay› %8.42’ye yükselmifltir. ‹ngiltere, Hollanda ve Fransa’da sigorta sektörünün GSY‹H içindeki pay› AB ortalamas›n›n üzerindeyken, Polonya ve Macaristan gibi yeni üyelerde bu oran %3 ile ortalaman›n oldukça alt›nda kalmaktad›r. The ratio of the EU insurance industry to GDP reached 8.42% in 2005. While the ratio of the insurance industry in the UK, the Netherlands and France in GDP is above the EU average, the rate is considerably below the average in the new member countries such as Poland and Hungary. Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA) verilerine göre, 2005 y›l›nda sektörde istihdam azalmaya devam etmifltir. AB sigorta sektöründe 4.886 flirket faaliyet göstermekte olup, çal›flan kifli say›s› 934 bindir. According to CEA (European Insurance and Reinsurance Federation), decrease in employment in the industry continued in 2005. There are 4.886 companies in the EU insurance industry and the number of employees is 934 thousand. Avrupa Birli¤i Sigorta Sektörü (2005) European Union Insurance Industry (2005) Prim üretimi (milyon $) Premium Production ($ Million) ‹ngiltere UK Fransa France Almanya Germany ‹talya Italy Hollanda Holland Polonya Poland Macaristan Hungary AB 25 EU 25 AB 15 EU 15 Türkiye Turkey 2004 y›l›na göre reel prim art›fl› (%) % Year on year change Dünyadaki pay› (%) % Share of world total Primlerin GSY‹H’ya oran›(%) Premiums as % of GDP Kifli bafl› prim ($) Per capita premium production ($) 336.157 13.0 9.77 12.86 4.755 220.237 9.8 6.40 10.18 3.462 197.964 1.8 5.75 6.85 2.318 141.357 7.5 4.11 7.39 2.225 59.578 -2.2 1.73 9.48 3.653 9.446 10.3 0.27 3.11 245 3.363 10.7 0.10 3.08 333 1.244.570 8.5 36.16 8.42 2.459 1.221.340 8.5 35.48 8.70 2.872 5.691 7.4 0.17 1.57 78 Kaynak: Swiss Re, Sigma No 5/2006 18 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Source: Swiss Re, Sigma No 5/2006 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜ TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ THE TURKISH INSURANCE INDUSTRY ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 19 1. GENEL BAKIfi 1. GENERAL OVERVIEW 31.12.2006 tarihi itibariyle Birli¤e kay›tl› 53 sigorta flirketi ve 2 reasürans flirketi bulunmakta iken 2007 y›l› bafl›nda Hazine Müsteflarl›¤›’ndan ruhsat alan Coface Sigorta A.fi. üyelik baflvurusunda bulunarak Birli¤in yeni üyesi olmufltur. Böylece Birli¤e üye sigorta flirketi say›s› 54’e ve toplam üye say›s› ise 56’ya ulaflm›flt›r. There are 53 insurance company and 2 reinsurance companies registered with the Association as of 31.12.2006. Having taken a license from the Undersecretariat of Treasury, Coface Sigorta A.fi. made an application for membership and became a new member of the Association at the beginning of 2007. Therefore the number of member insurance companies increased to 54 and total number of members to 56. 2006 y›l›nda iflas›na karar verilen sigorta ve reasürans flirketi olmam›flt›r. Ticaret Sigorta A.fi.’nin yeni sözleflme ve sigorta yapma yetkisi 16.04.2006 tarihi itibariyle kald›r›lm›flt›r. Bat› Sigorta A.fi., Demir Sigorta A.fi, Inter Sigorta A.fi., Magdeburger Sigorta A.fi., Merkez Sigorta A.fi., Rumeli Sigorta A.fi., Rumeli Hayat Sigorta A.fi., T. Nippon Sigorta A.fi., Halk Reasürans A.fi. aktif olarak yeni sigorta ve reasürans sözleflmesi yapmamaktad›rlar. Emek Hayat Sigorta A.fi’nin Tasarruf Mevduat› Sigorta Fonuna devrolunan hisselerinin % 99.99'u 21.02.2006 tarihinde yap›lan ihalede Global Equities Management adl› kurulufla sat›lm›flt›r. Bu flirketin ticari unvan› New Life Yaflam Sigorta olarak de¤iflmifl, ayr›ca T.C Hazine Müsteflarl›¤› Sigortac›l›k Genel Müdürlü¤ü’nün 16.01.2007 tarihli, 1945 say›l› yaz›s›na istinaden flirkete yeni sigorta ve reasürans sözlefleme yapma yetkisi yeniden verilmifltir. 2006 y›l›nda iki flirketin ticari unvan› de¤iflmifltir. ‹hlas Sigorta A.fi. unvan›n› 30.06.2006 tarihinde % 99,99 oran›nda hissesini HDI International AG’ye devretmesi neticesinde 19.07.2006 itibariyle HDI Sigorta A.fi olarak, Halk Reasürans A.fi ünvan›n› 25.12.2006 tarihinde Art› Reasürans A.fi olarak de¤ifltirmifltir. Yine ‹sviçre Sigorta A.fi. ve ‹sviçre Hayat Sigorta A.fi. 01.01.2007 tarihi itibariyle unvanlar›n› Ergo ‹sviçre Sigorta A.fi. ve Ergo ‹sviçre Hayat Sigorta A.fi. olarak de¤ifltirmifllerdir. 20 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In 2006 there was no insurance and reinsurance company for which a bankruptcy decision was taken. The authority to conclude new contracts and to insure pertaining to Ticaret Sigorta A.fi. was removed as of 16.04.2006. Bat› Sigorta A.fi., Demir Sigorta A.fi, Inter Sigorta A.fi., Magdeburger Sigorta A.fi., Merkez Sigorta A.fi., Rumeli Sigorta A.fi., Rumeli Hayat Sigorta A.fi., T. Nippon Sigorta A.fi., Halk Reasürans A.fi. do not actually conclude new insurance and reinsurance contracts. 99.99% of Emek Hayat Sigorta A.fi shares transferred to the Saving Deposits Insurance Fund was sold to Global Equities Management by a tender held on 21.02.2006. The title of this company was changed as New Life Yaflam Sigorta, furthermore the authority to conclude new insurance and reinsurance contracts was re-granted to the company upon the correspondence of the TR Undersecretariat of Treasury, Directorate General of Insurance dated 16.01.2007 and number 1945. Trade name of two companies changed in 2006. As a result of the transfer of 99.99% of ‹hlas Sigorta A.fi. shares to HDI International AG on 30.06.2006 the title of ‹hlas Sigorta A.fi. changed as HDI Sigorta A.fi as of 19.07.2006 and the title of Halk Reasurans A.fi. changed as Art› Reasürans A.fi. as of 25.12.2006. Titles of ‹sviçre Sigorta A.fi. and ‹sviçre Hayat Sigorta A.fi. changed as respectively Ergo ‹sviçre Sigorta A.fi. and Ergo ‹sviçre Hayat Sigorta A.fi. as of 01.01.2007. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 1. GENEL BAKIfi 1. GENERAL OVERVIEW Sigorta ve Reasürans fiirketleri Say›s› Faaliyet Alan› Fields of Operation Sigorta flirketleri Insurance Companies Hayat Life Hayat D›fl› Non-Life Reasürans fiirketleri Reinsurance Companies Toplam Total Number of Insurance and Reinsurance Companies 2002 2003 2004 2005 2006 58 55 53 53 53 21 21 21 21 21 37 34 32 32 32 3 3 3 2 2 61 58 56 55 55 Branfllara Göre Sigorta fiirketleri Say›lar› Branfllar Branches Yangın Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tarım Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit K.M.A Mali Sorumluluk Motor Vehicles TPL Hayat Life TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Breakdown of Insurance Companies According to the Branches 2002 2003 2004 2005 2006 38 34 31 31 31 38 34 31 31 31 38 34 31 31 31 38 34 31 31 31 14 14 13 15 16 7 9 14 15 15 39 36 33 33 33 56 49 49 45 45 1 1 1 3 7 34 31 31 31 28 26 26 26 28 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 21 2. PR‹M GEL‹RLER‹ 2. PREMIUM INCOME 2006 y›l› sonu itibariyle sektörde faaliyet gösteren 53 sigorta flirketinin prim üretimi toplam› cari fiyatlarla bir önceki y›la göre % 23,68 oran›nda artarak 9.667.541.000 YTL’ye yükselmifltir. Ayn› dönemde ABD Dolar› baz›nda toplam prim geliri % 15,88 oran›nda artarak 6 . 7 5 5 . 3 2 1 . 6 9 2 A B D D o l a r › o l a r a k g e r ç e k l e fl m i fl t i r . By the end of year 2006, the total of premium production 53 insurance companies operating in the sector, increased by 23,68 % at current prices with respect to the previous year and reached 9.667.541.000 TRY. In the same period, total premium income based on USD has increased by 15.88 % reaching to 6.755.321.692 USD. 2006 y›l›nda tüm branfllarda cari fiyatlarla prim üretimi artm›flt›r. En yüksek art›fl % 85,37 ile Kredi branfl›nda gerçekleflmifl olup, bunu % 39,34 ile Yang›n, % 33,71 ile Mühendislik, % 27,98 ile Ferdi Kaza, % 27,18 ile Kaza, % 24,96 ile Hukuksal Koruma, % 23,23 ile Sa¤l›k, % 19,14 ile Nakliyat, % 13,09 ile Karayollar› Motorlu Araçlar Mali Sorumluluk, % 12,02 ile Tar›m ve % 11,58 ile Hayat branfl› izlemifltir. In year 2006, premium production in current prices in all branches increased. The highest increase was realized in Credit branch by 85,37 %, and followed by Fire at the rate of 39,34 %, and by Engineering at the rate of 33,71 %, by Personal Accident at the rate of 27,98 %, by Accident at the rate of 27,18 %, by Legal Protection at the rate of 24,96 %, by Health at the rate of 23,23 %, by Marine at the rate of 19,14 %, by Motor Vehicles TPL at the rate of 13,09%, by Agriculture at the rate of 12,02 % and by Life Insurance at the rate of 11,58 %. Branfllara Göre Prim Gelirleri, Y›llara Göre De¤iflimler ve Branfllar›n Yüzde Paylar› (000 YTL) Premium Income, Annual Changes, Percentage Breakdown According to the Branches (000 TRY) 3.58 31.17 3.098.688 27.18 32.05 430.684 33.71 4.45 0.62 54.365 12.02 0.56 14.76 0.28 27.152 24.96 0.28 798.539 17.09 10.22 984.034 23.23 10.18 2.45 234.187 40.89 3.00 299.710 27.98 3.10 133.74 0.04 4.489 67.44 0.06 8.321 85.37 0.09 12.69 1.052.423 63.05 15.51 1.281.439 21.76 16.39 1.449.185 13.09 14.99 23.29 15.37 1.136.331 6.49 268.596 33.38 3.96 290.631 8.20 28.87 1.998.986 36.08 29.46 2.436.439 21.88 275.452 24.36 4.06 322.110 16.94 4.12 0.40 29.417 42.90 0.43 48.530 64.97 90.79 0.11 18.934 244.76 0.28 21.728 517.595 26.11 10.17 682.014 31.77 10.05 2.10 107.847 38.09 2.12 166.223 54.13 0.01 1.147 158.25 0.02 2.681 676.549 50.66 18.19 865.562 27.94 163.267 49.06 4.39 201.380 23.34 1.489.223 45.08 40.05 1.468.991 -1.36 195.868 59.83 5.27 221.497 13.08 4.35 15.424 78.20 0.41 20.586 33.47 2.878 27.70 0.08 5.492 410.422 51.79 11.04 78.097 43.93 444 25.41 645.476 17.01 1.067.121 3.96 Prim Premium 19.14 Bir Önceki Y›la Göre De¤iflim Anual Changes 346.257 Prim Premium 16.38 Bir Önceki Y›la Göre De¤iflim Anual Changes 39.34 Prim Premium Toplam ‹çindeki Pay› Percentage Breakdown 2006 Toplam ‹çindeki Pay› Percentage Breakdown 2005 Toplam ‹çindeki Pay› Percentage Breakdown 2004 Toplam ‹çindeki Pay› Percentage Breakdown Bir Önceki Y›la Göre De¤iflim Anual Changes Prim Premium Toplam ‹çindeki Pay› Percentage Breakdown 2003 Bir Önceki Y›la Göre De¤iflim Anual Changes Yangın Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tarım Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit K.M.A Mali Sorum. Motor Vehicles TPL Hayat D›fl› Toplam Non-Life Total Hayat Life Toplam Total Bir Önceki Y›la Göre De¤iflim Anual Changes Branfllar Branches Prim Premium 2002 14.54 1.583.343 3.72 3.032.172 48.38 81.54 4.055.573 33.75 79.71 5.561.847 37.14 81.96 6.574.422 18.21 84.11 8.281.740 25.97 85.67 686.350 48.77 18.46 1.032.552 50.44 20.29 1.223.945 18.54 18.04 1.242.011 1.48 15.89 1.385.801 11.58 14.33 3.718. 522 48.45 100.00 5.088.125 36.83 33.37 100.00 7.816.434 22 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 100.00 6.785.792 15.19 100.00 9.667.541 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 23.68 100.00 2. PR‹M GEL‹RLER‹ 2. PREMIUM INCOME ABD Dolar› Olarak Prim Gelirleri ve Y›ll›k De¤iflim Premium Income and Annual Changes in U.S. Dollars 2002 Branfllar Branches Yangın Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tarım Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit K.M.A Mali Sorum. Motor Vehicles TPL Hayat D›fl› Toplam Non-Life Total Hayat Life Toplam Total Prim Premium 2003 Bir Önceki Y›la Göre De¤iflim Changes Prim Premium 2004 Bir Önceki Y›la Göre De¤iflim Changes Prim Premium 2005 Bir Önceki Y›la Göre De¤iflim Changes Prim Premium 2006 Bir Önceki Y›la Göre De¤iflim Changes Prim Premium Bir Önceki Y›la Göre De¤iflim Changes 412,594,031 32.27 621,241,454 50.57 798,563,927 28.54 847,501,887 6.13 1.106.381.562 30,55 99,568,530 30.86 144,537,081 45.16 200,999,982 39.06 216,759,033 7.84 241.951.910 11,62 908,204,020 27.37 1,054,341,358 16.09 1,495,910,856 41.88 1,817,153,550 21.47 2.165.249.131 19,16 119,450,280 40.32 158,975,108 33.09 206,130,685 29.66 240,237,239 16.55 300.946.118 25,27 9,406,341 56.46 14,775,153 57.08 22,013,804 48.99 36,195,167 64.42 37.988.321 4,95 1,755,151 12.12 3,941,506 124.57 14,168,740 259.48 16,205,329 14.37 18.973.022 17,08 250,296,235 33.26 371,494,634 48.42 510,374,904 37.38 595,568,761 16.69 687.606.588 15,45 47,627,527 26.36 77,405,429 62.52 124,390,673 60.70 174,661,872 40.41 209.426.657 19,90 270,774 10.13 822,882 203.90 2,006,477 143.84 3,348,004 66.86 5.814.459 73,67 787,565,262 70.00 955,727,127 21.35 1.012.636.944 5,95 463,278,912 1,849,172,889 30.27 2,910,813,517 57.41 4,162,125,310 42.99 4,903,357,970 17.81 5.786.974.712 18,02 418,571,180 30.61 741,095,654 77.05 915,920,807 23.59 926,321,133 1.14 968.346.979 4,54 2,267,744,069 30.33 3,651,909,171 61.04 5,078,046,117 39.05 5,829,679,103 14.80 6.755.321.692 15,88 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 23 3. S‹GORTA BRANfiLARI 3. INSURANCE BRANCHES Sigorta Murakabe Kanunu’na göre tesis edilmifl branfllar ile bu kapsamda yer alan alt branfllar flunlardır: Insurance branches determined according to the insurance Supervison Law and sub-branches are as follows: 1. Mal Sigortlar› A. Yang›n Sigortalar› A.1. Yang›n Sigortas› A.2. Yang›na Ba¤l› Kar Kayb› Sigortas› A.3. Zorunlu Deprem Sigortas› B. Kaza Sigortalar› B.1. Kara Tafl›tlar› Kasko Sigortas› B.2. H›rs›zl›k Sigortas› B.3. Cam K›r›lmas›na Karfl› Sigorta C. Nakliyat Sigortalar› C.1. Tekne Sigortas› C.2. K›ymet Nakliyat Sigortas› C.3. Emtea Nakliyat Sigortas› D. Makine Montaj Sigortalar› D.1. Makine K›r›lmas› Sigortas› D.2. Montaj Sigortas› D.3. ‹nflaat Sigortas› D.4. Elektronik Cihaz Sigortas› E. Tar›m Sigortalar› E.1. Tar›m Ürünleri Dolu Sigortas› E.2. Hayvan Hayat Sigortas› E.3. Kümes Hayvanlar›n›n Hayat Sigortas› E.4. Sera Sigortas› F. Kredi Sigortalar› F.1. Kredi Sigortas› F.2. ‹hracat Kredi Sigortas› 1. Property Insurances A. Fire Insurances A.1. Fire Insurance A.2. Loss of Profit Insurance Due to Fire A.3 .Compulsory Earthquake Insurance B. Accident Insurances B.1. Motor Vehicle Physical Damage Insurance B.2. Theft Insurance B.3. Plate Glass Insurance C. Marine Insurances C.1. Hull Insurance C.2. Specie Insurance C.3. Cargo Insurance D. Engineering Insurances D.1. Machinery Breakdown Insurance D.2. Erection All Risk Insurance D.3. Construction All Risk Insurance D.4. Electronic Equipment Insurance E. Agriculture Insurances E.1. Crop – Hail Insurance E.2. Livestock Insurance E.3. Poultry Insurance E.4. Greenhouse Insurance F. Credit Insurances F.1. Credit Insurance F.2. Export Credit Insurance 2. Can Sigortalar› A. Hayat Sigortalar› A.1. Senelik Vefat Sigortas› A.2. Tasarruflu Hayat Sigortas› A.3. Y›ll›k Gelir Sigortas› B. Ferdi Kaza Sigortas› C. Sa¤l›k Sigortas› D. Karayolu Yolcu Tafl›mac›l›¤› Zorunlu Koltuk Ferdi Kaza Sigortas› E. Seyahat Sa¤l›k Sigortas› 2. Life Insurances A. Life Insurances A.1. Term Insurance A.2. Saving Life Insurance A.3. Annuities B. Personal Accident Insurance C. Health Insurance D. Compulsory Road Passenger Transportation Personal Accident Insurance E. Travel Health Insurance 3. Sorumluluk Sigortalar› A. Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas› B. Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› C. Motorlu Kara Tafl›t Araçlar› ‹htiyari Mali Sorumluluk Sigortas› D. Asansör Kazalar›nda Üçüncü Kiflilere Karfl› Sorumluluk Sigortas› E. ‹flveren Sorumluluk Sigortas› F. Üçüncü fiah›slara Karfl› Mali Mesuliyet Sigortas› G. Tehlikeli Maddeler ve Tüpgaz Sorumluluk Sigortalar› G. 1. Tehlikeli Maddeler Zorunlu Sorumluluk Sigortas› G. 2. Tüpgaz Zorunlu Sorumluluk Sigortas› H. Hukuksal Koruma Sigortas› I. Özel Güvenlik Mali Sorumluluk Sigortas› J. Zorunlu Sertifika Mali Sorumluluk Sigortas› K. Mesleki Sorumluluk Sigortas› 24 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 3. Liability Insurances A. Motor Vehicles Compulsory Third Party Liability Insurance B. Compulsory Third Party Liability Insurance for Road Passenger Transportation C. Motor Vehicles Facultative Third Party Liability Insurance D. Elevator Accident Third Part Liability Insurance E. Employer Third Party Liability Insurance F. General Third Party Liability Insurance G. Compulsory Third Party Liability Insurances for LPG and Dangerous Materials G.1.Compulsory Third Party Liability Insurance for Hazardous Substances G.2. Compulsory Third Party Liability Insurance for LPG H. Legal Protection Insurance I. Private Security Third Party Liability Insurance J.Compulsory Certificate Third Party Liability Insurance K. Professional Liability Insurance ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.1. YANGIN S‹GORTALARI 3.1. FIRE INSURANCE 2006 y›l›nda Karadeniz ve Güneydo¤u Anadolu bölgelerinde yaflanan sel felaketleri yaflanan do¤al afetler olarak belirtilmesine ra¤men bu afetlerden kaynaklanan sigortal› toplam hasar ciddi boyutlara ulaflmam›flt›r. Although the flood disasters occurred in the Black Sea and North Eastern Anatolia in 2006 were indicated as natural disasters, the total insured damage arising thereof did not reach a crucial ratio. Öte yandan risk baz›nda yaflanan hasarlarda önemli miktarda art›fl olmufltur. Bu hasarlar›n bafl›nda Atatürk Havaliman›’nda yaflanan yang›n hasar› gösterilebilir. Ayr›ca Trakya fiifle Cam Fabrikas›ndaki sel hasar› ile Olmuksa, Ikea, Marshall ve Fiskobirlik tesislerindeki yang›n hasarlar› da belli bafll› büyük hasarlar olarak dikkat çekmektedir. On the other hand there was a considerable increase in the risk-based damages. The damage occurred due to the fire in Atatürk Airport may be cited among such damages in the first place. Furthermore the damage arising from the flood in Trakya fiifle Cam Fabrikas› and the damage arising from the fire in Olmuksa, Ikea, Marshall and Fiskobirlik facilities are striking as the main big damages. Prim üretiminde yaflanan büyümeye ra¤men karl›l›kta beklenen düzeyde bir büyüme gerçekleflmemifltir. Bunun sebebi olarak sektörde y›llard›r devam eden yo¤un fiyat rekabeti ve çok düflük kar marjlar›yla ifl yaz›lmas› gösterilebilir. In spite of the growth in premium production the growth in the profitability was not as much as the estimated. Intense price competition and entering business with very low profit margins continuing for years in the industry may be indicated as the reason for that. 2006 y›l› içerisinde sivil rizikolara uygulanan deprem teminat› tarifesi üzerinde de¤ifliklik yap›lm›fl ve mevcut Zorunlu Deprem Sigortas› tarifesiyle uyumlu hale getirilmifltir. Earthquake tariff applied for civil risks was modified during 2006, and it was made consistent with current Compulsory Earthquake Insurance Tariff. Dünya genelinde de sigorta sektörünü etkileyen önemli do¤al afet hasar› meydana gelmemifl, reasürörler aç›s›ndan oldukça iyi bir y›l geçmifltir. Ancak bu durum katastrofik excess koruma fiyatlar›na ayn› ölçüde yans›mam›flt›r. Sigorta flirketleri 2007 Excess of Loss anlaflmalar›nda ciddi bir indirim beklerken, 2006 y›l›ndaki fiyatlarla hemen hemen ayn› fiyatlarla koruma sat›n alabilmifllerdir. No crucial damage influencing the insurance industry emerged due to natural disasters all over the world either; it was considerably a good year for the reinsurers. However, it was not reflected to the catastrophic excess protection prices equally. While the insurance companies expected a considerable discount in 2007 Excess of Loss agreements, the protection they purchased cost almost the same price as 2006 prices. Otuzbir flirketin faaliyet gösterdi¤i yang›n branfl›nda 2006 y›l›nda prim gelirleri 1.583.343.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 39,34, ABD Dolar› baz›nda ise % 30,55 oran›nda art›fl göstermifltir. Yang›n branfl› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005 y›l›nda % 14,54 iken 2006 y›l›nda % 16,38’e yülselmifltir. 2006 y›l›nda yang›n branfl›nda hasar oran› % 49,40 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre art›fl göstermifltir. In the Fire Branch where thirty one companies are operating, the premium income for year 2006 increased to 1.583.343.000 TRY, recording an increase at the rate of 39,34 % in current prices and at the rate of 30,55 % based on USA Dollars with respect to the previous year. The share of premium income in the Fire Branch within the total premium income was while 14,54 % in year 2005, has rised to 16,38% in year 2006. In year 2006, the loss ratio in the Fire Branch has been realized as 49,40 %, showing a rate of increase according to the loss ratio of 2005. YTL USD YANGIN S‹GORTALARI FIRE INSURANCE 1.583.342.654 2006 1.136.330.530 2005 1.067.121.000 2004 2003 2002 865.562.000 676.549.000 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 1.106.381.562 2005 847.501.887 2004 2003 2002 798.563.927 621.241.454 412.594.031 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 25 3.2. NAKL‹YAT S‹GORTALARI 3.2. MARINE INSURANCE 2006 y›l›nda, d›flsat›m ve özellikle d›flal›mdaki art›fl›n etkisiyle yük sigortalar›nda göreceli bir geliflme kaydedilmifltir. Ancak, döviz kurlar›ndaki azalan seyir, d›flal›mda CIF d›flsat›mda da FOB sat›fl sözleflmelerinin a¤›r basmas› ve fiyat rekabeti gibi nedenlerle prim üretim art›fl› beklenen düzeyde gerçekleflememifltir. Yafll› gemilerle tafl›nan yüklere iliflkin reasürans s›k›nt›s› ise süregelmektedir. In 2006 there was a relative improvement in cargo insurances by the influence of the increase in export and especially import. However due to the reasons such as decreasing movement in the foreign exchange rates, dominance of CIF sales agreements in import and FOB sales agreements in export, and price competition the increase in premium output was not as much as estimated. Reinsurance difficulty relating to the cargo transported by old vessels has been continuing for a long time. Deniz ticaret filomuzun yafl ortalamas›n›n yüksek olmas› ve reasürans anlaflmalar›ndaki k›s›tlamalar nedeniyle yafll› tekneler yurtd›fl›nda ikinci s›n›f tekne sigorta piyasalar›nda sigorta ettirilmeye devam edilmifl, bu durum da sektörün prim gelirlerini olumsuz yönde etkilemifltir. Ayn› flekilde, yabanc› finans kurulufllar›n›n Türkiye’de düzenlenen tekne sigorta poliçelerini kabul etmemeleri nedeniyle, yabanc› banka ipote¤i bulunan gemiler ülkemizde teminat alt›na al›namam›flt›r. Buna karfl›l›k, tekne sigortas› fiyat ve muafiyetlerinde nispî bir iyileflme gözlemlenmifltir. Öte yandan, Tekne inflaat sigortalar›ndaki canlanma, yeni tersanelerin aç›lmas› ve mevcut tersanelerin kapasitelerini artt›rmalar› ile 2006 y›l› içinde de devam etmifltir. Due to high age average of our commercial marine and the restrictions relating to reinsurance agreements old vessels were kept insured in second class hull insurance markets abroad which affected the premium incomes of the industry adversely. Likewise as the foreign financial enterprises did not accept the hull insurance policies issued in Turkey the vessels with foreign bank mortgage could not be secured in the country. However hull insurance prices and exemptions relatively improved. On the other hand the revival in the hull construction insurances also continued in 2006 thanks to the opening of new shipyards and increase in the capacity of current shipyards. 1953 y›l›ndan bu yana yürürlükte olan ve uzun süreden beri piyasan›n gereksinimini karfl›layamayan Emtia Nakliyat Sigortas› Genel fiartlar›’n›n yenilenmesi, 2006 y›l› içinde de gerçeklefltirilememifltir. Bu yüzden, ayn› format› izlemesi gereken K›ymet Nakliyat Sigortas› Genel fiartlar› da yenilenememektedir. The General Conditions of Cargo Insurance in effect since 1953 but failing to meet the market requirements for a long time could not be replaced in 2006 either. For this reason the General Conditions of Specie Insurance required to follow the same format cannot be replaced either. Otuzbir flirketin faaliyet gösterdi¤i nakliyat branfl›nda 2006 y›l›nda prim gelirleri 346.257.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 19,14, ABD Dolar› baz›nda % 11,62 oran›nda art›fl göstermifltir. In the Marine Branch where thirty one companies are operating, in year 2006 the premium income was raised to 346.257.000 TRY, increasing by 19,14 % in current prices and by 11,62 % based on USA Dollars with respect to the previous year. Nakliyat branfl› 2006 y›l› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005 y›l›na oranla bir miktar gerileyerek % 3,58 olmufltur. Regarding the Marine Branch, the share of total premium income within premium income for year 2006 retreated with respect to the year 2005 and fell down to 3.58 %. 2006 y›l›nda nakliyat branfl›nda hasar oran› % 47,80 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre artm›flt›r. In year 2006, the loss ratio in the Marine Branch has been realized as 47.80 %, increase with respect to the loss ratio of 2005. YTL USD NAKL‹YAT S‹GORTALARI MARINE INSURANCE 2006 346.257.378 2005 290.630.512 268.596.000 2004 2003 2002 201.380.000 163.267.000 26 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 241.951.910 2005 216.759.033 2004 2003 2002 200.999.982 144.537.081 99.568.530 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.3. KAZA S‹GORTALARI 3.3. ACCIDENT INSURANCE 2006 y›l› Kaza Branfl› sonuçlar›n› önemli ölçüde etkileyen otomotiv sektörü aç›s›ndan kötü bir dönem olarak gerçekleflmifl ve 2005 y›l›nda 717.000 olan araç sat›fl adetleri, 2006 y›l›n› 617.000 olarak yaklafl›k % 16 azalma ile tamamlam›flt›r. 2006 was a bad year for the automotive industry influencing the results of the Accident Branch considerably; the number of vehicles sold which was 717.000 in 2005 was 617.000 in 2006 by 16% decrease. Nisan, May›s aylar›nda yaflanan ekonomik dalgalanma ve artan faiz oranlar› bu durumun arkas›ndaki önemli faktörlerden biri olarak görülürken, otomotiv sektörünün daralman›n etkisini ortadan kald›rabilmek için yedek parça maliyetlerine yapt›¤› zamlar, araç sigortas› hasarlar›nda ortalama dosya maliyetlerinin de tekrar artmas›na neden olmufltur. While the economic fluctuations emerged in April, May and the increasing interest rates are considered among the crucial reasons for such a situation, the price increases in the spare part cost in the automotive industry that aim at the elimination of the effect of the constriction have caused another increase in the average file costs in the vehicle insurance damages. Araç sat›fllar›nda yükselen faiz ortam›n›n tetikledi¤i daralma, sigorta bedellerinin art›fl›n› durdurdu¤u, dolay›s›yla direkt prim giriflinde düflüfl yaratt›¤› gibi, yedek parça maliyetlerinin artmas› ticari sonucunu getirdi¤i için, sektörümüzün karl›l›¤›n› tehdit eden en önemli ekonomik olay olarak göze çarpmaktad›r. The constriction triggered by an environment where the interest increases in vehicles sales is the most important economic factor observed which threatens the industry profitability because it interrupts the increase in insurance costs, thus causing a decrease in the direct premium inflow as well as commercially resulting in an increase in the spare part costs. 2005 y›l›nda Kaza branfl›nda 150 milyon ABD Dolar› zarar eden sigorta sektörümüz yine bu y›l›n sonlar›na do¤ru kasko sigortalar›nda bafllatt›¤› “do¤rudan maliyetlere göre fiyatland›rma” politikas›n›, 2006 y›l› içinde de h›zland›rarak devam ettirmifltir. Kasko fiyatlar›n›n artmas›, hasar an›ndaki en önemli yükü oluflturan yedek parça maliyeti art›fllar›n›n sigortal›lara yans›mas› anlam›n› tafl›maktad›r. Fiyatlardaki bu art›fl trendi ve ekonomiden s›cak para ç›k›fllar›na ba¤l› oluflabilecek yeni dalgalanmalar, 2001 Krizinden bu yana kasko sigortalar›nda sürekli zarar eden ve bu trendi çevirmek için ilk etapta kasko fiyatlar›n› art›rmaktan baflka flans› olmayan Türk Sigorta sektörünün 2007 y›l›nda sigortal› say›s›nda azalma yaflayabilece¤inin sinyallerini vermektedir. Bununla birlikte 2006 y›l› Sigorta sektörünün hasar maliyetlerini kontrol alt›nda tutmaya güç ve kaynak harcad›¤› bir dönem olmufltur. Bu çerçevede TRAMER bünyesinde toplanmaya bafllanan kasko poliçe ve hasar kay›tlar› ise gelecekte yap›labilecek analiz ve takip çal›flmalar›na temel teflkil edecek bir ortak bir veritaban›n›n oluflmas› için at›lan önemli bir ad›m niteli¤i tafl›maktad›r. 2006 y›l›, her ne kadar hasar maliyetlerini kontrol alt›nda tutma ve tarife fiyatlar›n›n art›r›lmas› çabalar›n›n sonucu olarak Kaza sigortalar›nda oluflan zarar›n azald›¤› bir y›l olsa da kasko kaynakl› Kaza Branfl› zarar›n›n halen devam etti¤i bir y›l olarak tamamlanm›flt›r. Öte yandan tarife fiyatlar› y›ll›k olarak Hazine Müsteflarl›¤›nca belirlenen ve bu yönüyle de ekonomik dalgalanmalar›n savuflturulmas›na f›rsat vermeyen Karayollar› Zorunlu Sorumluluk Sigortalar›nda 2004 y›l› sonunda devreye giren yeni rezerv uygulamalar› (IBNR, IBNER), 2004 y›l›ndan bu yana artan limitlerin yan› s›ra yetersiz primlendirme ile birleflen yüksek arac›l›k komisyonlar› (2005), yapt›¤› kar ile daha önceden Kaza Branfl›nda oluflan zarar›n etkilerinin ortadan kalkmas›na olanak sa¤layan bu branfl›n da 2006 y›l›nda zarara girmesine neden olmufltur TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In 2006, the insurance industry that suffered USD 150 million dollar loss in Accident branch in 2005, accelerated the policy of “pricing depending upon direct costs” initiated in the comprehensive insurances towards the end of that year. Increase in motor vehicle physical damage insurance prices means the reflection of the increase in the spare part cost constituting the most important burden at the time of damage to the insured. This increasing trend in prices and new fluctuations that may arise in connection with hot money outflow from the economy indicates that Turkish Insurance Industry that has been continuously suffering loss in the comprehensive insurance since 2001 Crisis and having no option other than increasing the motor vehicle physical damage insurance prices in the first place in order to revert this trend may be faced with a decrease in the number of insured in 2007. However in 2006 the Insurance Industry exerted efforts and utilized resources to have the damage costs under control. Within this framework automobile insurance policy and damage records collected within the structure of TRAMER (Motor TPL Insurance Information Center) is an important step toward forming a common database that any future analysis and follow-up effort shall be based upon. Although the decrease in Accident insurances was reduced in 2006 as a result of the efforts to have the damage costs under control and increase the tariff rates, the Accident Branch loss emanating from motor vehicle physical damage insurance still continued in 2006. On the other hand in 2006 the new reserve practices (IBNR, IBNER) enabled at the end of 2004 for the Motor Vehicles Compulsory TPL Insurances the tariff rate of which are defined by the Undersecretariat of Treasury per annum and not allowing getting rid of the economic fluctuations for this reason, high intermediation commissions (2005) combined with insufficient premium rates as well as the limits that have been increasing since 2004 also caused loss in that branch which allowed the elimination of the effects of the loss emerged in the Accident Branch previously with the profit obtained. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 27 3.3. KAZA S‹GORTALARI 3.3. ACCIDENT INSURANCE Her ne kadar geliflen teknolojik altyap› ve artan cirolar genel gider oranlar›n›n düflmesine neden olsa da artan hasar/prim oranlar› ve arac›l›k komisyonlar› birleflik oran›n %100’ün üzerinde oluflmas›na yani bir baflka deyiflle operasyonel olarak zarar edilmesine neden olmufltur. Even though the developing technological infrastructure and the increasing turnovers made general overhead rates decrease, the increasing loss/premium rates and intermediation commissions made the combined rate reach a level above 100% namely caused operational loss. 2007 Y›l›, Trafik tarifesinin serbest hale getirilmesinin beklendi¤i bir y›l niteli¤i tafl›makta olup bu çerçevede Türkiye Sigorta ve Reasürans fiirketleri Birli¤inde de Kaza ‹nceleme Araflt›rma Komitesince bir rehber tarife için, altyap› çal›flmas› yürütülmesine karar verilmifltir. In 2007 it is estimated that the Traffic tariff shall be made free; within this framework Association of the Insurance and Reinsurance Companies of Turkey decided that an infrastructure study for a guiding tariff would be carried out by the Accident Study and Research Committee. Otuzbir flirketin faaliyet gösterdi¤i kaza branfl›nda 2006 y›l›nda prim gelirleri 3.098.688.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 27,18, ABD Dolar› baz›nda % 19,16 oran›nda art›fl göstermifltir. In the Accident Branch, where thirty one companies are operating, the premium income in 2006 was raised to 3.098.688.000 TRY, showing an increase rate of 27,18 in current prices with respect to the previous year and 19,16 % as based on USD. Kaza branfl›nda prim gelirlerinin toplam prim gelirleri içindeki pay› 2006 y›l›nda bir önceki y›la göre % 31,17’den % 32,05’e yükselmifltir. Regarding the Accident Branch, the share of total premium income within the total premium income for year 2006, was increased with respect to the previous year from 31,17 % to 32.05 %. 2006 y›l›nda kaza branfl›nda hasar oran› % 84,61 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre düflme göstermifltir. YTL USD KAZA S‹GORTALARI ACCIDENT IINSURANCE 4.547.872.762 2006 2005 3.717.878.412 3.051.409.000 2004 2003 2002 In year 2006, the loss ratio in the Accident Branch has been realized as 84,61 %, showing a decrease with respect to the loss ratio of 2005. 2.114.467.000 1.489.223.000 28 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 3.177.886.075 2005 2.772.880.677 2.283.476.118 2004 2003 2002 1.517.620.270 908.204.020 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.4. MÜHEND‹SL‹K S‹GORTALARI 3.4. ENGINEERING INSURANCE Mühendislik Sigortalar› 2006 y›l›nda Elemanter Branfllar›n genel prim üretim ortalamas›na paralel bir büyüme kaydetmifltir. Söz konusu prim art›fl› gerçekleflen enflasyon oran› üzerinde reel bir büyüme kaydedildi¤i anlam›n› tafl›maktad›r. Engineering Insurances have recorded a growth parallel with the general Non-Life premium production average in the year 2006. The said premium growth, is indeed a real growth above the inflation rate. Bu büyümenin sebepleri aras›nda Toplu Konut ‹daresi taraf›ndan ihale edilen konut projelerine 2006 senesinde de devam edilmesi gösterilebilir. It may be noted that, one of the reasons for such a growth is, the on going tenders for Housing Complexes being done by the Housing Development Administration of Turkey in 2006. Sektörde özellikle Makine K›r›lmas› Sigortalar›n›n menfii sonuçlar›, reasürörlerin bu konudaki bask›lar›n› artt›rmas›na ve dolay›s› ile flirketlerin net karl›l›klar›n›n geçti¤imiz y›llara oranla Mühendislik Sigortalar›nda da düflmesine sebep olmufltur. The negative results of Machinery Breakdown insurances in the sector, resulting in reinsurers to increase their pressures, have decreased the net profitability of the insurance companies in Engineering Business. Mühendislik Sigortalarndaki düflük prim hacmi, piyasada a¤›rlaflan fiyat bask›s›n› ve arac›lar›n flartlarda oluflturdu¤u genifl sigorta içeriklerini henüz yeterince karfl›layacak düzeyde de¤ildir. The low volume of premium in Engineering Insurances is still not at a level to compensate the rate pressure in the market and comprehensive insurance contents required by the intermediaries. Otuzbir flirketin faaliyet gösterdi¤i Mühendislik branfl›nda 2006 y›l›nda prim gelirleri 430.684.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 33.71, ABD Dolar› baz›nda % 25.27 oran›nda art›fl göstermifltir. In the Engineering Branch where thirty one companies are operating, the premium income in 2006 was raised to 430.684.000 TRY, showing an increase rate of 33,71% in current prices with respect to the previous year and 25,27 % as based on USA Dollars. Mühendislik branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›, bir önceki y›lla k›yasland›¤›nda, 2006 y›l›nda % 4,12'den % 4,45'e yükselmifltir. Regarding the Engineering Branch, the share of total premium income within the premium income for year 2005 was raised with respect to the previous year from 4.06 % to 4.12 %. 2006 y›l›nda Mühendislik branfl›nda hasar oran› % 52,65 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre düflme göstermifltir. In year 2006, the loss ratio in the Engineering Branch has been realized as 52,65 %, showing a decrease with respect to the loss ratio of 2005. YTL USD MÜHEND‹SL‹K S‹GORTALARI ENGINEERING INSURANCE 430.683.990 2006 2005 322.110.090 275.452.000 2004 2003 2002 221.497.000 195.868.000 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 300.946.118 2005 240.237.239 206.130.685 2004 2003 2002 158.975.108 119.450.280 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 29 3.5. TARIM S‹GORTALARI 3.5. AGRICULTURE INSURANCE 5363 say›l› Tar›m Sigortalar› Kanunu çerçevesinde Havuz Kurulu oluflturulmufl ve 01.06.2006 tarihi itibari ile Devlet Destekli Tar›m Sigortalar› uygulamaya bafllam›flt›r. Bu çerçevede, 16 sigorta flirketi bir araya gelerek Havuzu ‹flletici fiirketi (Tarsim A.fi.) kurmufl ve Tar›m Sigortalar›’nda devlet deste¤i için 2006 y›l› bütçesine 200 Milyon YTL konulmufltur. Within the framework of the Law on Agricultural Insurance number 5363 a Pool Committee was constituted, and Grant Aided Agricultural Insurances started to be implemented as of 01.06.2006. Within this framework 16 insurance companies joined together, and founded a Pool Operating Company (Tarsim A.fi.), and TRY 200 million was set aside for 2006 budget for the government support for Agricultural Insurance. Devlet Destekli Tar›m Sigortalar›’n›n gündeme gelmesi ile tar›m branfl›nda faaliyet göstermeye bafllayan sigorta flirketleri, tar›m departman› teflkilatlar›n› oluflturmaya bafllam›fl ve bu konuda gerekli olan altyap› çal›flmalar›n› (teknik personel, bilgi ifllem, e¤itim vb.) h›zland›rm›fllard›r. 01.06.2006 tarihinden itibaren üreticilerin sigortaya olan ilgisinin artt›¤› ve özellikle k›rsal kesimde faaliyet gösteren acenteler için ek gelir kayna¤› olmas› nedeniyle acente taleplerinin yo¤unlaflt›¤›, bu çerçevede flirketlerin de tar›m sigortalar› acente e¤itimi ve pazarlama faaliyetlerine a¤›rl›k verdikleri gözlenmifltir. Çiftçi Kay›t Sistemi’ne kay›tl› olan ekili araziler, Türkiye’deki toplam ekili arazilerin % 62’sini oluflturdu¤undan, Tar›m Sigortalar› hedef kitlesi oldukça genifltir. Devlet Destekli Tar›m Sigortalar›’ndan yararlanman›n ön koflulu Çiftçi Kay›t Sistemi’ne kay›tl› olma zorunlulu¤udur. Bu sebeple sistemde kay›tl› olmayan üreticilerin de kay›t yapt›rmas› sa¤lanacakt›r. 2006 y›l›nda, Tarsim A.fi. taraf›ndan Türkiye’de tüm meyvelere dolu, yang›n, f›rt›na, hortum, heyelan teminat›na ilave olarak ekonomik kay›plar aç›s›ndan çok ciddi bir risk olan don riskinin de % 50’sinin devlet deste¤i ile karfl›lanmas› yönünde altyap› çal›flmalar› yürütülmüfltür. Devlet Destekli Tar›m Sigortalar› sayesinde önümüzdeki 10-15 y›l içerisinde Türkiye’de Tar›m Sigortalar›’n›n, üreticilerin tüm do¤al risklerini karfl›layacak flekilde bir yap› kazanmas› hedeflenmektedir. Onalt› flirketin faaliyet gösterdi¤i tar›m branfl›nda 2006 y›l›nda prim gelirleri 54.365.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 12,02, ABD Dolar› baz›nda % 4,95 oran›nda art›fl göstermifltir. Tar›m branfl› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005y›l›nda % 0,62'den 2006 y›l›nda % 0,56’ya düflmüfltür. 2006 y›l›nda tar›m branfl›nda hasar oran› % 50.00 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre düflüfl göstermifltir. Insurance companies that started to be in good standing in the Agriculture branch when the Grant Aided Agricultural Insurances were put on the agenda started to found agricultural department organizations and accelerated the infrastructure activities required for it (technical, personnel, data-processing, training etc). It is observed that the manufacturers’ interest in insurance has increased since 01.06.2006, and requests for agents have increased as it is an additional source of income especially for the agents in good standing in rural areas, and companies have focused on agricultural insurance agent training and marketing activities within this framework. As the cultivated lands registered with Farmer Register System constitute 62% of total cultivated lands in Turkey, the target mass of the Agricultural Insurance is considerably vast. Prerequisite for benefiting from the Grant Aided Agricultural Insurance is the registration with the Farmer Register System. For this reason it shall be ensured the manufacturers not registered with the system are also registered. In 2006 infrastructure studies were carried out by Tarsim Afi for covering 50% of the risk of frost, a very serious risk in terms of economic losses, with the government support in addition to hail, fire, storm, tornado, landslide security for all fruits in Turkey. It is aimed the Agricultural Insurance in Turkey gains a structure which shall meet all natural risks of the manufacturers within next 10-15 years thanks to the Grant Aided Agricultural Insurance. In the Agriculture branch where sixteen companies are operating, the premium income in 2006 was raised to 54.365.000 TRY, showing an increase rate of 12.02% in current prices with respect to the previous year and 4.95 % as based on USD. Regarding the Agriculture branch, the share of total premium income within premium income for year 2006 was decreased with respect to the previous year from 0.62 % to 0.56 %. In year 2006, the loss ratio in Agriculture branch has been realized as 50.00 %, showing decrease with respect to the loss ratio of 2005. YTL USD AGRICULTURE INSURANCE TARIM S‹GORTALARI 54.365.086 2006 48.530.480 2005 29.417.000 2004 2003 2002 20.586.000 15.424.000 30 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 37.988.321 2006 36.195.167 2005 22.013.804 2004 2003 2002 14.775.153 9.406.341 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.6. HUKUKSAL KORUMA S‹GORTALARI 3.6. LEGAL PROTECTION INSURANCE Onbefl flirketin faaliyet gösterdi¤i hukuksal koruma branfl›nda 2006 y›l›nda prim gelirleri 27.152.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 24.96, ABD Dolar› baz›nda % 17.08 oran›nda art›fl göstermifltir. In the Legal Protection branch where fifteen companies are operating, the premium income in 2006 was raised to 27.152.000 TRY, showing an increase rate of 24.96% in current prices with respect to the previous year and 17.08 % as based on USD. Hukuksal Koruma branfl› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005 y›l›nda oldu¤u gibi %0,28 olarak ayn› seviyede kalm›flt›r. Regarding the Legal Protection branch, the share of total premium income within premium income for the year 2005 remained the same with the previous year at 0.28 %. 2006 y›l›nda Hukuksal Koruma branfl›nda hasar oran› % 4.86 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre artm›flt›r. In year 2006, the loss ratio in the Legal Protection branch has been realized as 4.86 %, showing an increase with respect to the loss ratio of 2005. YTL USD LEGAL PROTECTION INSURANCE HUKUKSAL KORUMA S‹GORTALARI 2006 27.152.292 21.728.105 2005 18.934.000 2004 2003 2002 5.492.000 2.878.000 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 18.978.022 16.205.329 2005 14.168.740 2004 2003 2002 3.941.506 1.755.151 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 31 3.7. KRED‹ S‹GORTALARI 3.7. CREDIT INSURANCE Yedi flirketin faaliyet gösterdi¤i kredi branfl›nda 2006 y›l›nda prim gelirleri 8.321.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 85,37, ABD Dolar› baz›nda % 73,67 oran›nda art›fl göstermifltir. In the Credit branch where seven companies are operating, the premium income in 2006 was raised to 8.321.000 TRY, showing an increase rate of 85.37 in current prices with respect to the previous year and 73.67 % as based on USA Dollars. Kredi branfl› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005 y›l›nda % 0,06 iken bu oran, 2006 y›l›nda % 0,09 olarak gerçekleflmifltir. Regarding the Credit branch, the share of total premium income within premium income for year 2006 was increased with respect to the previous year from 0,06 % to 0,09 %. 2006 y›l›nda kredi branfl›nda hasar oran› % 41,88 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre azalm›flt›r. In year 2006, the loss ratio in Credit branch has been realized as 41,88 %, showing decrease with respect to the loss ratio of 2005. YTL USD KRED‹ S‹GORTALARI CREDIT INSURANCE 8.321.073 2006 2005 4.489.004 2004 2003 2002 2.681.000 1.147.000 444.000 32 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 5.814.459 3.348.004 2005 2.006.477 2004 2003 2002 822.882 270.774 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.8. SA⁄LIK S‹GORTALARI 3.8. HEALTH INSURANCE 2006 y›l›nda ülkemizde enflasyon oran› TÜFE ye göre %9,65, ayn› dönemde sa¤l›k enflasyonu bu oran›n alt›nda kalarak %7.93 olarak gerçekleflmifltir. Inflation rate in 2006 in the country was 9.65% according to Consumer Price Index; healthcare inflation during the same period was below the foregoing rate, 7.93%. Seyahat Sigortas› Genel fiartlar› yürürlü¤e girmifltir. General Conditions of Travel Insurance entered into effect. Ad› TÜ‹K olarak de¤iflen Devlet ‹statistik Enstitüsü’nün düzenledi¤i kongreye kat›lan Birlik yetkililerinin çal›flmas› ile yasal zorunluluk haline dönüflen sa¤l›k giderleri ile ilgili bilgilerin kuruma aktar›lmas› konusunda hangi düzeyde katk› sa¤lanabilece¤i tart›fl›lm›flt›r The level of contribution to the transfer of the information relating to healthcare expenses to the administration that has become a legal obligation was discussed in the study of the authorities of the Association participating in the congress organized by TÜ‹K, formerly the State Statistics Institute. ‹laç ‹flverenleri Endüstrisi Sendikas› temsilcilerinin kat›l›m› ile GSS’nin yürürlü¤e girmesi ile sa¤l›k branfl›nda çal›flan sigorta flirketleri için daha da önem kazanacak olan eflde¤er ilaç uygulamalar› hakk›nda bir tan›t›m toplant›s› yap›lm›flt›r. Kan Merkezlerinin çal›flmas›, gelifltirilmesi ve birlikte neler yap›labilece¤i konusunda Yeditepe Üniversitesi Hastanesinden Say›n Dr. Meral Sönmezo¤lu’nun kat›l›m›yla bir toplant› düzenlenmifltir. fiirketler aras› sigortal› geçifllerinde bilgi aktar›m›nda yaflanan sorunlar gözden geçirilmifl ve ortak bir çal›flma ile yeniden düzenlenmifltir. Trafik Kazas› nedeniyle Acil servislerde yap›lan sa¤l›k harcamalar›n›n yasa gere¤i BUT kadar talep edilmesi gerekti¤i, bu nedenle de özel hastanelerin özel sigortal›lardan fark talep etmesinin do¤ru olmad›¤› konusu tart›fl›lm›fl, bu konu ile ilgili flirketler bilgilendirilmifltir. Birlik temsilcilerinin de içinde bulundu¤u bir ‹htisas Komitesi taraf›ndan haz›rlanmakta olan Özel Sa¤l›k Sigortalar› yasa tasla¤› Birlik komitesi ile paylafl›lm›flt›r. Hazine Müsteflarl›¤›na sunumu yap›lan çal›flman›n 2007 fiubat ay›na kadar bir yönetmelik flekline dönüfltürülmesine karar verilmifltir. Otuzüç flirketin faaliyet gösterdi¤i sa¤l›k branfl›nda 2006 y›l›nda prim gelirleri 984.034.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 23,23, ABD Dolar› baz›nda % 15,45 oran›nda art›fl göstermifltir. Sa¤l›k branfl› prim gelirlerinin 2005 y›l›nda toplam prim gelirleri içinde % 10,22 olan pay›, 2006 y›l›nda % 10,18'e gerilemifltir. 2006 y›l›nda sa¤l›k branfl›nda hasar oran› % 83,48 olarak gerçekleflerek, 2005 y›l›n›n hasar oran›na göre azal›fl göstermifltir. With the participation of the representatives of the Syndicate of Drug Employers Industry an introductory meeting was organized as regards the equivalent drug practices which would become more importance for the insurance companies in good standing in the healthcare branch with GHI (General Health Insurance) entering into effect. With the participation of Meral Sönmezo¤lu, PhD., from Yeditepe University Hospital a meeting was organized as regards the operation and improvement of the Blood Banks, and things that could be done collectively. The problems that emerge during the transfer of information in case of intercompany transition of the insured were reviewed and rearranged by a joint action. Requirement of demanding the healthcare expenses incurred at the emergency rooms as much as BUT (Budgetary Practices Instruction) under the law due to a Traffic Accident, whether the private hospitals’ demand for a differential from the private insured persons besides the healthcare expenses was right was discussed; the companies were informed about the subject. Draft bill of the Private Health Insurance being prepared by the Specialty Committee also including the representatives of the Association was informed to the Association’s committee. It was decided that the study presented to the Undersecretariat of Treasury would be transformed into a regulation until February 2007. In Health Branch, where thirty three companies are operating, in year 2006 the premium income was raised to 984.034.000 TRY, increasing by 23,23% in current prices and by 15,45% based on USA Dollars with respect to the previous year. Regarding the Health Branch, the share of total premium income within premium income for year 2006 retreated with respect to the year 2005 and fell down to 10,18%. In year 2006, the loss ratio in Health Branch has been realized as 83,48%, decrease with respect of the loss ratio of 2005. YTL USD SA⁄LIK S‹GORTALARI HEALTH INSURANCE 984.033.787 2006 798.538.595 2005 682.014.000 2004 517.595.000 2003 2002 410.422.000 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 687.606.588 2005 2004 2003 2002 595.568.761 510.374.904 371.494.634 250.296.235 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 33 3.9. HAYAT S‹GORTALARI 3.9. LIFE INSURANCE 2006 y›l›n›n en önemli özelli¤i, y›l›n özellikle ilk yar›s›nda konut kredilerine ba¤l› kredi hayat sigortalar›ndaki art›flt›r. Böylelikle risk a¤›rl›kl› sigortalar, branfl›n itici gücü haline gelmifltir. Bu geliflme, bu ürün grubunda yeni teminat yap›lar›n›n ortaya ç›kmas›na ve müflterilerin farkl› ihtiyaçlar›na yönelik çözümler gelifltirilmesine olanak sa¤lamaktad›r. The most important characteristic of 2006 is the increase in credit life insurance related to housing loans especially in the first half. Thus risk insurances became the driving force behind the branch. This development allows the new cover structures in this product range and creating solutions for clients’ various requirements. Uzun süreli sigortalar›n kümülatif etkisine ve konut kredilerine ba¤l› kredi hayat sigortalar›ndaki art›fla ra¤men, % 9,65 oran›ndaki enflasyon (TUFE) ile karfl›laflt›r›ld›¤›nda 2006 y›l›nda sektörün büyümesinin % 11 mertebesinde kalmas› ve hayat branfl› prim gelirlerinin toplam prim gelirleri içindeki pay›n›n 2005 y›l›nda % 15,89’dan % 14.33’e düflmesi, sektörel sorunlar›n varl›¤›na iflaret etmektedir. 2005 y›l› sonu itibari ile hayat branfl›ndaki toplam hayat sigortal›lar› say›s› 5.640.967 iken, bu say› 2006 y›l› sonunda 7.440.946 olarak gerçekleflmifl ve yaklafl›k % 32 oran›nda art›fl göstermifltir. Yirmialt› flirketin faaliyet gösterdi¤i hayat branfl›nda 2006 y›l›nda prim gelirleri 1.385.801.000 YTL’ye yükselerek bir önceki y›la göre cari fiyatlarla % 11,58 ABD Dolar› baz›nda % 4,54 oran›nda art›fl göstermifltir. Hayat branfl› prim gelirlerinin toplam prim gelirleri içindeki pay› 2005 y›l›nda % 15,89’dan 2006 y›l›nda % 14,33’e düflmüfltür. YTL In the Life branch where twenty six companies are operating, the premium income in 2006 was raised to 1.385.801.000 TRY, showing an increase rate of 11,58% in current prices with respect to the previous year and 4,54 % as based on USA Dollars. Regarding the Life branch, the share of total premium income within premium income was while 15,89 % for the year 2005, has dropped down to 14,33 % in the year 2005. LIFE INSURANCE 2006 1.385.801.362 1.242.011.375 2005 1.223.945.000 2004 2002 By the end of year 2005, while the total number of those with Life Insurance in the Life Branch was 5.640.967, this figure has been realized at the end of 2006 as 7.440.946 leading to an increase at the rate of approximately 32 %. USD HAYAT S‹GORTALARI 2003 In spite of the cumulative effect of the long-term insurances and the increase in the credit life insurances related to housing loans, 11% growth in the industry in 2006 when compared with the inflation at a rate of 9.65% (Consumer Price Index), and the decrease in the rate of the premium incomes of the life branch in total premium income from 15.9% to 14.73% in 2005 indicate that there are industryspecific problems. 1.032.552.000 686.350.000 34 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2006 968.346.979 2005 926.321.133 915.920.807 2004 2003 2002 741.095.654 418.571.180 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3.10. SORUMLULUK S‹GORTALARI 3.10. LIABILITY INSURANCE Sorumluluk sigortalar›, 2006 y›l›nda da aynen 2005 y›l›nda oldu¤u gibi, özellikle Avrupa Birli¤i uyum çal›flmalar› süreci dolay›s›yla ilgi oda¤› olmaya devam etmifltir. Di¤er yandan, AB uyum çal›flmalar› ile birlikte sigortal›lar›n artan sorumluluk bilinci ile mahkemelerin ald›¤› tazminat kararlar›nda da bir yükselifl trendi olmas›na ra¤men, rekabet ortam›n›n bu branflta yaratt›¤› fiyat bask›s› ile birlikte oluflan olumsuz flartlar flirketleri teknik anlamda zorlam›flt›r. Liability insurances continued to be a cynosure in 2006 as in 2005 especially due to the process of efforts for the harmonization with the European Union. On the other hand in spite of the increasing sense of responsibility of the insured and an increasing trend in the court judgments on indemnity by EU harmonization efforts the adverse conditions emerged with the price pressure that competitive environment gave rise to in that branch put pressure on the companies. AB uyum çal›flmalar› sürecinde, kanun koyucunun kimi zaman AB uygulamalar›n› tam olarak yans›tmamas›na, kimi zaman da AB genelinde farkl› alternatifler bulunmas›na ra¤men tek çözüm olarak zorunlu sorumluluk sigortas›n› ihdas etmesi; ancak bunu yaparken gerek altyap›sal düzenlemelerin tamamlanmam›fl olmas› gerekse ülke genelinde ilgili alanlarda yeterli tecrübe ve yerleflik uygulaman›n bulunmamas› da, kanun koyucu eliyle bafllat›lan bu poliçe tiplerinin maalesef çok çeflitli sorunlarla birlikte sektör gündemine gelmesine yol açm›flt›r. Özellikle, uluslararas› uygulamalarla örtüflmeyen poliçe flartlar› uygulama itibariyle sigorta flirketlerinin önemli sorunlar yaflamas›na sebep olmufltur. That the lawmakers did not exactly reflect the EU practices sometimes and imposed the obligatory liability insurance as the only solution sometimes although various alternatives were available throughout EU during EU harmonization efforts, that neither the arrangements relating to the infrastructure were completed nor sufficient experience and established practices were available in relevant fields throughout the country gave rise to a wide range of problems relating to these types of policies initiated by virtue of the lawmakers. Insurance companies have been face to face important problems especially since the policy conditions not compatible with international practices were put into effect. Türk Ticaret Kanunu Tasar›s› ve Sigortac›l›k Kanunu Tasar›s›’nda yer alan hükümlerin de sorumluluk sigortalar›n›n kanun koyucu aç›s›ndan titizlikle ele al›nd›¤›n› göstermektedir. Bu durumda sigorta flirketlerinin uzun süreli yükümlülükler alt›na girdikleri bu branflta daha uzun vadeli ve daha isabetli stratejiler belirlemesi, nihai riskin ve zarar potansiyelinin giderek yükselen bir trende sahip oldu¤u bu branflta, sektör genelinde rekabet bask›s›n›n bir sonucu olarak ortaya ç›kan fiyatlardaki düflme e¤iliminin uzun vadeli risk yap›s› da göz önüne al›narak en k›sa sürede kontrol alt›na al›nmas› gerekmektedir. Provisions of Turkish Commercial Code and Draft Insurance Law show that the liability insurances are handled with care in terms of the lawmakers. In this case it is necessary that the insurance companies define more appropriate strategies with longer terms in this branch where they have undertaken long term obligations, and that the decreasing trend in the prices emerged as a result of the competitive pressure throughout the industry is taken under control as soon as possible by also taking into account the long term risk structure in this branch where final risk and loss potential has a gradually increasing trend. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 35 4. SEKTÖRÜN HASAR DE⁄ERLEND‹RMES‹ 4. EVALUATION OF THE LOSSES IN THE SECTOR Sektörün elemanter branfllar› itibariyle her y›l oldu¤u gibi 2006 y›l›nda da Oto Kaza Branfl› lokomotif branfl olmaya yine devam etmifltir. Bir önceki y›lda benzer sorunun yafland›¤› 2. el piyasas›nda devam eden durgunluk, prim ayarlamalar› ile afl›lmaya çal›fl›lm›flsa da, yedek parça fiyatlar›nda y›l içinde dövizde yaflanan % 17’lik art›fl›n etkisiyle meydana gelen yükselmeler, dövizin sonradan gerilemesine ra¤men, sadece bir kaç marka d›fl›nda, yedek parça fiyatlar›nda herhangi bir indirim sa¤lamam›flt›r. Bu da sigorta flirketlerinin 2006’da da olumsuz neticeler vermeye devam etmesine neden olmufltur. Sonuç itibariyle kasko ve trafik branfl›nda flirketler 2006 y›l›n› da teknik kar bir yana zararla kapatmak durumunda kalm›fllard›r. In terms of elementary branches in the industry Automobile Accident Branch continued to act as the driving branch in 2006 just like each year. Although efforts were exerted to overcome the stagnation that continued in 2nd hand market where problems similar to those occurred the previous year emerged by arrangements in premium, the increases in the spare part prices took place due to 17% increase in the foreign exchange within that year did not provide any discount in spare part prices except a few brands although there was a recession in the foreign exchange later. It affected the insurance companies adversely also in 2006. Consequently the companies suffered loss in motor vehicle physical damage insurance and traffic branches in 2006 and got no technical profit. fiirketler yedek parça tutarlar›ndaki art›fl nedeniyle, yükselen maliyetlerini kontrol alt›nda tutmak amac› ile yedek parça kontrol sistemleri gelifltirmeye bafllam›fllard›r. Companies started to develop spare part control systems in order to take the costs increasing due to the increase in spare part sums under control. Oto Kaza branfl›nda teknik karl›l›¤› olumsuz yönde etkileyen, hasar maliyetlerinde devam eden zarar›n en önemli nedenlerinden biri de geçen y›llarda oldu¤u gibi özellikle lüks araçlar›n çal›nma oranlar›nda devam eden art›fllard›r. Bu tür araçlarda çal›nman›n flekilleri genellikle as›l anahtarlar›n›n araç üzerinde b›rak›lmas› ya da kolayl›kla elde edilmesi fleklinde tezahür etmektedir. Sonuç itibariyle, bilhassa ‹stanbul baflta olmak üzere özellikle büyük flehirlerde artan h›rs›zl›klarla ilgili olarak Hazine Müsteflarl›¤›nca pert araç hasarlar› ve arac›n anahtar› ile çal›nmas› gibi, fiirketlerin yaflad›klar› önemli sorunlar› gidermeye yönelik baz› düzenlemeler yap›lm›fl ve de¤ifliklikler hayata geçirilmifltir. One of the most important reasons for the loss continuing in damage costs that affects technical profitability in Automobile Accident branch is the ongoing increase in the number of luxurious cars stolen as in previous years. This type of cars is usually stolen because the original key is left in the key slot or found easily. Consequently with regard to the theft cases increased in big cities especially Istanbul the Undersecretariat of Treasury made some arrangements and put some amendments into effect in order to eliminate the important problems that the Companies were faced with such as pert car damage and car being stolen with its key. Oto Kaza branfl›nda 2006 y›l›nda yap›lan bir yenilik de Trafik branfl›n›n ard›ndan Kasko ve Zorunlu Karayolu Tafl›mac›l›k branfllar›nda Tramer uygulamalar›na geçifl olmufltur. Tramer sistemi kapsam›nda yap›lan bu ilave ile flirketlerin hasarl› araçlar hakk›nda bilgi alarak poliçe düzenlemeleri ve sa¤l›kl› kararlar verme olana¤› yarat›lm›flt›r. An improvement in Automobile Accident branch in 2006 was transition to TRAMER (Traffic Insurance Information Center) practices in motor vehicle physical damage insurance and compulsory TPL insurance for road passenger transportation branches after Traffic branch. Thanks to such addition made within the scope of TRAMER system the companies can arrange policies and take reliable decisions by getting information about damaged vehicles. Yine 2006 y›l›nda Tramer bünyesinde Hasar Durum Belgesi projesi hayata geçirilmifltir. The “Certificate of Damaged Status” project was put into practice within the structure of TRAMER also in 2006. 2006 y›l›nda kaza branfl›nda en önemli geliflme Grup (Blok) Muafiyeti Tebli¤i’nin yay›nlanmas› olmufltur. Yeni Motorlu Araçlar Da¤›t›m ve Servis Anlaflmalar›na ‹liflkin Grup Muafiyeti Tebli¤i 12.11.2005 tarihinde yürürlü¤e girmifltir.Uygulama için bir y›ll›k bir geçifl süresi öngörülürken, bu geliflme Türk otomotiv sektöründeki çal›flmalar› da h›zland›rm›flt›r. Grup muafiyeti tebli¤i motorlu kara tafl›tlar›n›n da¤›t›m›n› ve sat›fl sonras› hizmetleri ile yedek parça ticaretine iliflkin a n l a fl m a l a r › n t a b i o l d u ¤ u k u r a l l a r › b e l i r l e m e k t e d i r . The most important development in the casualty branch in 2006 was the publication of the “Notice on Group (Block) Exemption”. The Group Exemption Notice relating to New Motor Vehicle Distribution and Service Agreements was put into effect on 12.11.2005. While one year transition period was stipulated for implementation, such development also accelerated the efforts in Turkish automotive industry. Group exemption notice defines the distribution and after sale services of the Motor vehicles and rules that the agreements relating to spare part trade are subject to. Sözkonusu uygulama ile ; • Otomotiv piyasas›nda rekabet nedeni ile yedek parça fiyatlar›n›n düflmesi, • Eflde¤er parça kullan›m›n›n mümkün hale gelmesi nedeni ile fiyatlar›n gerilemesi, • Sigorta Sektörü ve Otomotiv Sektörü aras›nda rollerin de¤iflmesinin maliyetlere yans›mas›. Sigorta flirketlerine selektif davranma imkan› do¤mas›, 36 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ The following elements are believed to contribute to the industry thanks to the said implementation: • Decrease in spare part prices due to the competition in the automotive industry, • Decrease in prices due to the possibility to use equivalent parts, • Reflection of the exchange of roles between Insurance industry and Automotive Industry to the costs, enabling Insurance Companies to act selectively, ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 4. SEKTÖRÜN HASAR DE⁄ERLEND‹RMES‹ 4. EVALUATION OF THE LOSSES IN THE SECTOR • Otomotiv piyasas›nda oyuncular›n artmas›n›n hizmet kalitesinin artmas›n› zorunlu hale getirmesi ve bunun sigorta sektörüne yans›mas›, • Standartlara uymayan servislerin yetkilerini kaybedecek olmas›n›n yap›lacak iflin kalitesine yans›mas›, • Increase in quality of service becoming inevitable due to the increase in the number of players in the automotive market, and reflection of the same to the insurance industry, • Reflection of the derogation of the powers of any service failing to meet the standards to the quality of the job to be carried out. unsurlar›n›n sektöre olumlu katk›larda bulunaca¤› düflünülmektedir. Geçti¤imiz y›l itibariyle sektördeki bir de¤ifliklik de Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› ve Trafik sigortalar› aras›ndaki öncelik s›ras›na iliflkin genel flart de¤iflikli¤i olmufltur. Kavram kargaflas›na yol açan bu belirsizlik yap›lan düzenleme ile giderilmeye çal›fl›lm›flt›r. 2006 y›l›nda Yang›n branfl›nda geçti¤imiz y›l itibariyle sektör büyük hasarlar yaflamaya devam etmifltir. Hyundai, ‹KEA, Mobisan Mobilya, DHM yang›nlar›n›n yan›s›ra yurdun çeflitli, yörelerinde yaflanan sel bask›nlar›nda önemli hasarlar meydana gelmifltir. Bu tür büyük hasarlar›n yan›s›ra yang›n branfl›nda sektör, daha çok paket poliçeler kapsam›nda dahili su ve özellikle de her y›l artarak devam eden h›rs›zl›k hasarlar› yaflamaya devam etmifltir. Another change in the industry was the change in general condition relating to the order of priority Compulsory TPL Insurance for Road Passenger Transportation and Traffic insurances as of last year. With the arrangement made efforts were exerted to eliminate such ambiguity giving rise to concept disorder. As of last year the industry continued to suffer big losses in Fire branch in 2006. Besides the fires occurred in Hyundai, ‹KEA, Mobisan Mobilya, DHM significant damages occurred during floods in various regions in the country. Besides such big damages the industry continued to suffer losses arising from internal water and especially theft cases increasing year by year within the scope of mostly package policies in the fire branch. Nakliyat branfl›nda 2006 y›l›nda sektör hasar/prim dengesini olumsuz etkileyecek çok büyük hasarlar yaflamam›flt›r. Navlun fiyatlar›, 2006 y›l›nda inifl ç›k›fllar yaflam›fl ancak yüksek düzeyini korumufltur. 2005 y›l›nda oldu¤u gibi bu durum tekne hasarlar›na olumlu yönde etki ederek hasarlar›n minumun düzeyde kalmas›na yard›mc› olmufltur. No big damage that may adversely affect the industry loss/premium balance occurred in the transport branch in 2006. There were rises and falls in the freight rates in 2006 however it maintained the high level. As in 2005 it affected the vessel damages positively and helped to keep the damages at a minimum level. Emteada ise 2005 y›l›na k›yasla gerek üretim gerekse hasarda ciddi bir fark yaflanmam›flt›r. As for the commodities there was no considerable difference in production and damage when compared to 2005. Branfllar baz›ndaki de¤erlendirmelerin yan›s›ra afla¤›daki genel hususlara da dikkat çekilmesinde yarar görülmektedir. Besides our opinions on the basis of branches the following general factors should also be emphasized. Oto Kaza branfl›nda geçti¤imiz y›llarda hayata geçirilen Tek Tip Ekspertiz Raporu sektör genelinde baflar› ile uygulanmaktad›r. Ancak Hazine Müsteflarl›¤› taraf›ndan onaylanan di¤er baz› branfllara (Yang›n ve ekteminatlar›, H›rs›zl›k, Elektronik Cihaz ve Makine K›r›lmas› ile Nakliyat Emtea ) iliflkin tek tip eksper rapor uygulamas›na halen sektör genelinde geçilemememifltir. Eksperlerin her flirkete farkl› formatta rapor yazma zorunlulu¤undan tutun, flirketlerin standart bilgilere ulaflmalar› ve ileride kaç›n›lmaz flekilde uygulama bulaca¤›na inand›¤›m›z ortak bilgi havuzuna da destek olacak nitelikte tasarlanmaya çal›fl›lan bu raporlar›n 2007 y›l›nda eksperlerin ve flirketlerin zorunlu olarak kullan›m›na bafllanmas› beklenmektedir. Nitekim 2007 y›l›nda henüz haz›r olmayan branfl ve alt branfllardaki rapor formatlar› üzerinde çal›flmalar devam edecektir. Uniform Expertise Report put into practice in Automobile Accident branch in previous years has been implemented throughout the industry successfully. However the uniform expertise report practices relating to some other branches (Fire and additional perils, Theft, Electronic Equipment and Machinery Breakdown and Transport Commodities) approved by the Undersecretariat of Treasury cannot be put into practice throughout the industry yet. We hope that in 2007 the experts and companies shall necessarily start to use these reports designed in such a manner to assist the companies’ accession to standard information and the common information pool that shall be implemented inevitably in future according to our opinion, and the elimination of experts’ obligation to prepare reports with different formats for each company. As a matter of fact the efforts on the report formats of branches and sub-branches not ready yet shall continue in 2007. Sektörümüz, 2006 y›l›nda da maalesef sigorta flirketleri aleyhine aç›lan haks›z davalarla karfl›laflm›flt›r. Bu davalar da ço¤unlukla, davaya bakan mahkemelerin gerekli ihtisasa sahip olmamas› nedeniyle sigortac›lar aleyhine sonuçlanm›flt›r. Bu durum sigortac›l›k ihtisas mahkemelerinin kurulmas›n›n gerekli oldu¤unu bir kez daha ortaya koymufltur. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Unfortunately the industry was faced with unfair actions filed against insurance companies also in 2006. These actions mostly resulted against the insurers because the courts hearing the case lacked the necessary specialty which sets forth the requirement for the foundation of underwriting business specialty courts once again. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 37 5. TÜRK REASÜRANS P‹YASASI 5. THE TURKISH REINSURANCE MARKET Mecburi reasürans devirlerinin 31.12.2001 itibariyle sona ermesinin ard›ndan, 01.01.2002 tarihinden itibaren 5 y›ll›k bir süre için yenilenen ve sigorta ve reasürans flirketlerinin reasürans anlaflmalar›n›n % 20 oran›nda Milli Reasürans T.A.fi.’ye teklifini gerektiren “Sigortac›l›kta Yurt ‹çi Reasürans Havuzu Sistemi”, 31.12.2006 tarihi itibariyle sona ermifltir. After the termination of the compulsory reinsurance cessions as of 31.12.2001, “Decree Concerning the Insurance Industry Domestic Reinsurance Pool System” renewed for a 5 year period from 01.01.2002 and requiring that insurance and reinsurance companies offer the reinsurance agreements to Milli Reasürans T.A.fi. at a rate of 20% terminated as of 31.12.2006. Kararname Pool’u ad› alt›nda yürütülen bu sistemin sona ermesiyle, flirketler 2007 y›l› yenilemelerinde Milli Reasürans’a, Kararname Pool’u hisselerini serbest bazda teklif etmifller, Milli Reasürans’ta daha önceden flirketlere bildirdi¤i gibi bölüflmeli tretelerin ancak % 50’lik k›sm›n›, bölüflmesiz tretelerin ise % 100’ünü kabul etmifltir. Bölüflmeli tretelerin kalan k›s›mlar› yabanc› reasürörlerce yenilenmifltir. Milli Reasürans T.A.fi. 2006 y›l›nda sektörün reasürans ihtiyac›n›n % 30’unu karfl›lam›flt›r. Upon termination of this system designated as “Decree Pool” the companies offered Decree Pool shares to Milli Reasürans on free basis during 2007 renovations whereas Milli Reasürans accepted only 50% of proportional treaties and 100% of non-proportional treaties as it had informed the companies previously. Remaining portion of the proportional treaties was renewed by foreign reinsurers. Milli Reasürans T.A.fi. met 30% of the industry requirement in 2006. Branfllar itibariyle sonuçlar›n de¤erlendirilmesi gerekirse, 2006 y›l› Yang›n, Kasko, Trafik ve Sa¤l›k sigortalar› aç›s›ndan parlak bir y›l olmam›flt›r. Yang›n branfl› aç›s›ndan bu y›l risk hasarlar›n›n en çok yafland›¤› bir y›l olarak kayda geçmifltir. Piyasada 10 milyon dolar› aflan 4 risk hasar› yaflanm›fl olup bu hasarlar gerek bu riskleri yazan flirketlerin gerekse reasürörlerin bu branfltaki kar marj›n› önemli ölçüde etkilemifltir. Yang›n branfl› 2006 y›l›n› karl› kapamas›na ra¤men 2005 y›l›na göre kötü bir performans göstermifltir. Kasko, Trafik ve Sa¤l›k branfllar› da 2006 y›l›nda kötü performans gösteren branfllar olmufllard›r. Kasko ve Sa¤l›kta y›llard›r görülen kötü sonuçlar devam ederken, Trafik branfl› sonuçlar› 2005 y›l›na k›yasla büyük bir erozyon yaflam›flt›r. Yurt d›fl› reasürans›n›n fazla olmad›¤› bu branfllarda al›nan kötü sonuçlar yabanc› reasürörleri etkilemezken, Milli Reasürans teminat verdi¤i bu branfllar›n kötü sonuçlar›ndan etkilenmifl ve 2007 yenilemeleri s›ras›nda bu branfllardaki pay›n› azaltm›flt›r. 2005 y›l›n›n aksine, 2006 y›l›nda dünyada büyük katastrofik hasarlar›n meydana gelmemifl olmas›, Türk reasürans piyasas›na, 2007 yenilemelerinde katastrofik hasar fazlas› teminat fiyatlar›n›n geçen y›lki seviyenin alt›na düflmesi fleklinde yans›m›flt›r. Sigorta flirketleri, katastrofik hasar fazlas› anlaflmalar› bak›m›ndan önemli bir kapasite sorunu yaflamazken ald›klar› toplam katastrofik teminat miktar› 3 milyar dolar civar›nda olmufltur. Bu arada Türk sigorta piyasas›na yabanc›lar›n gösterdi¤i ilgi 2006 y›l›nda ve 2007 y›l›n›n ilk çeyre¤inde artarak devam etmifltir. Yabanc› kurulufllar taraf›ndan sat›n al›nan ya da ortaklar› aras›na yabanc›lar› katan flirketlerin reasürans yap›lar›nda bir de¤iflikli¤e gidip gitmeyecekleri, gideceklerse bunun ne flekilde olaca¤› özellikle 2008 yenilemelerinde görülecektir. Bugüne kadar yabanc› sermayenin girdi¤i flirketlerde, özellikle Yang›n ve Mühendislik iflleri trete reasürans›n›n bölüflmeliden bölüflmesize do¤ru kayd›¤› aç›kça gözlenmektedir. Bu tercih ilgili sigorta flirketlerinin sermaye ve portföy yap›lar›yla oldukça iliflkilidir. 38 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ As an assessment of the results in terms of branches 2006 was not a brilliant year for Fire, Motor Vehicles Physical Damage Insurance, Traffic and Health Insurance. Risk losses occurred most frequently in terms of fire branch. 4 risk losses occurred in the market exceeding 10 million dollars; these losses considerably affected the profit margin of both the companies underwriting such risks and the reinsurers in that branch. Although 2006 was a profitable year for the fire branch its performance was worse when compared to 2005. The performance of Motor Vehicles Physical Damage Insurance, Traffic and Health Insurance was also bad in 2006. While the bad results that had been observed for years in Motor Vehicles Physical Damage Insurance and Health continued, there was big erosion in the results of Traffic branch when compared with 2005. While the bad results obtained in these branches that the foreign reinsurance was not much did not affect the foreign reinsurers, Milli Reasürans was affected by such bad results pertaining to these branches that it gave security and it decreased its share in these branches during 2007 renewals. The decrease in security prices of catastrophic excess of loss below previous year level during 2007 renewals was a reflection of the fact that no big catastrophic damage occurred in the world in 2006 contrary to 2005 to in Turkish reinsurance market. While the insurance companies were not faced with any serious problem of capacity in terms of catastrophic excess of loss agreements, total amount of catastrophic cover they received amounted to approximately 3 billion dollars. Meanwhile the foreigners’ interest in Turkish insurance market gradually increased in 2006 and first quarter of 2007. Whether there shall be any change in the reinsurance structure of the companies either purchased by foreign enterprises or having new foreign partners, if so what kind of changes there shall be shall be noted in 2008 renewals. It is clearly observed that the Fire and Engineering works treaty reinsurance lapses from proportional towards the nonproportional in the companies that any foreign capital takes part. This choice is considerably related to the capital and portfolio structures of the insurance companies. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 5. TÜRK REASÜRANS P‹YASASI 5. THE TURKISH REINSURANCE MARKET Reasürans fiirketlerinin Branfllara Göre Karfl›laflt›rmal› Prim Gelirleri (000 YTL) The Comperative Premium Production of Reinsurance Companies (000 TRY) 2003 Branfllar Branches Yangın Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tarım Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit K.M.A Mali Sorum. Motor Vehicles TPL Hayat Life Toplam Total Toplam Prim Total Premium 2004 Art›fl Oran› Growth Rate % Toplam Prim Total Premium 2005 Art›fl Oran› Growth Rate % Toplam Prim Total Premium 2006 Art›fl Oran› Growth Rate % Toplam Prim Total Premium Art›fl Oran› Growth Rate 22.96 % 199.510.000 34.85 181.315.000 -9.12 183.265.030 1.08 225.345.163 29.869.000 25.65 27.913.000 -6.55 33.936.738 21.58 38.213.058 12.60 176.144.000 33.94 176.824.000 0.39 239.160.000 35.25 266.355.198 11.37 42.940.000 39.63 39.154.000 -8.82 50.453.800 28.86 64.376.200 27.59 1.262.000 23.36 1.168.000 -7.45 1.515.477 29.75 2.381.723 57.16 48.000 -29.41 168.000 250.00 201.851 20.15 272.084 34.79 50.677.000 14.18 66.078.000 30.39 102.501.100 55.12 120.465.076 17.53 4.673.000 27.54 4.841.000 3.60 6.427.288 32.77 9.139.462 42.20 - - - 0.00 - 42.469 - 49.952.000 - 71.339.000 42.82 98.020.401 37.40 110.754.244 12.99 4.334.000 53.20 7.174.000 65.53 8.573.952 19.51 16.084.073 87.59 559.409.000 44.94 575.974.000 2.96 724.055.636 25.71 853.428.752 17.87 - TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 39 6. S‹GORTA VE REASÜRANS fi‹RKETLER‹N‹N YATIRIMLARI 6. THE INVESTMENTS OF THE INSURANCE AND REINSURANCE COMPANIES En önemli fonksiyonlar›ndan biri fon yaratmak ve yarat›lan bu fonlar› çeflitli yat›r›m araçlar› kanal›yla ekonomiye kazand›rmak olan sigorta ve reasürans flirketlerinin yat›r›mlar›; 2006 y›l›nda bir önceki y›la göre % 19,2 oran›nda artarak 12.333.966.000 YTL’ye ulaflm›flt›r. The investments of the insurance and reinsurance companies, whose most important functions are to create funds and to provide the economy with these funds through the channel of various investment tools, reached 12.333.966.000 TRY in 2006 with an increase of 19,2 % over the previous year. fiirketlerin toplam yat›r›m portföylerindeki en yüksek pay % 45.87 ile Hazine Bonosu ve Devlet Tahviline ait olup, bunu % 20.57 Vadeli Banka Mevduat› ve % 19.90 ile ‹fltirakler izlemektedir. Sigorta ve Reasürans fiirketlerinin Yat›r›mlar› (000 YTL) A. MENKUL DE⁄ERLER Securities Hazine Bonosu Treasury Bonds Devlet Tahvili Government Bills Yat›r›m Fonu Investment Funds Özel Sektör Bonolar› Private Sector Bonds Repo Repurchase Agreement Hisse senetleri Shares Di¤er Others Fin.Var.De¤er Düflüfl Karfl›l›¤› Provision for Depreciation of Financial Assets B. GAYR‹MENKULLER Real Estate C. VADEL‹ BANKA MEVDUATI Deposit Accounts D. ‹fiT‹RAKLER Participations E. ‹KRAZLAR Loans GENEL TOPLAM General Total 40 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ The highest proportion within the investment portfolios of the companies was of Treasury Bonds and Government Bills with 45.87 %, followed by Deposit Accounts with 20.57 %, Participations with 19.90 %. Investments of the Insurance and Reinsurance Companies (000 TRY) 2002 2003 2004 2005 2006 2.949.470 4.382.299 5.689.179 6.197.955 6..683.403 1.239.978 974.719 889.862 444.209 290.592 1.488.393 3.060.158 4.370.454 4.688.305 5.368.010 56.453 94.338 103.644 166.186 106.421 2.245 2.537 57.014 44.884 16.524 26.647 57.525 212.929 237.595 148.122 226.437 267.694 627.281 634.457 -213 -1.093 381.791 491.053 484.518 445.558 505.434 508.745 439.622 468.406 1.470.870 2.538.199 342.931 458.074 617.692 2.168.859 2.454.058 26.048 64.388 73.122 66.733 152.873 4.208.985 5.835.436 7.332.917 10.349.975 12.333.966 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 7. DASK POL‹ÇE SAYILARI 7. TCIP POLICY FIGURES 12 Nisan 2007 tarihi itibariyle DASK poliçelerinin durumu afla¤›daki gibidir: The status of “Turkish Catastrophe Insurance Pool–TCIP” policies by 12 April 2007 is as follows: Sat›lan Poliçe Adedi: Verilen Teminat: Verilen Teminat: Ortalama Teminat: Tahakkuk Eden Prim: Tahakkuk Eden Komisyon: Net Prim: Number of Policies Sold: Cover Given: Cover Given: Average Assurance: Premium Accrued: Commission Accrued: Net Premium: 2.564.581 113.224.938.370 YTL 79.117.419.027 ABD Dolar› 44.149 YTL 214.487.544 YTL 35.410.387 YTL 179.077.157 YTL 2.564.581 113.224.938.370 TRY 79.117.419.027 USA Dollars 44.149 TRY 214.487.544 TRY 35.410.387 TRY 179.077.157 TRY Kaynak: DASK Source: TCIP TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 41 42 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 43 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 1. Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar› (31.12.2006) (YTL) AKT‹F I. CAR‹ VARLIKLAR A. NAK‹T VE NAK‹T BENZER‹ VARLIKLAR a.) Kasa b.) Al›nan Çekler c.) Bankalar d.) Verilen Çekler & Ödeme Emirleri ( - ) e.) Di¤er Nakit & Benzeri Varl›klar B. F‹NANSAL VARLIKLAR ‹LE R‹SK‹ S‹GORTALILARA A‹T F‹NANSAL YATIRIMLAR a.) Sat›lmaya Haz›r Finansal Varl›klar b.) Vadeye Kadar Elde Tutulacak Finansal Varl›klar c.) Al›m Sat›m Amaçl› Finansal Varl›klar d.) Riski Hayat Poliçesi Sahiplerine Ait Finansal Yat›r›mlar e.) Finansal Varl›klar De¤er Düflüklü¤ü Karfl›l›¤› (-) C. ESAS FAAL‹YETLERDEN ALACAKLAR a.) Sigortac›l›k Faaliyetlerinden Alacaklar b.) Sigortac›l›k Faaliyetlerinden Alacaklar Karfl›l›¤› (-) c.) Reasürans Faaliyetlerinden Alacaklar d.) Reasürans Faaliyetlerinden Alacaklar Karfl›l›¤› (-) e.) Sigorta & Reasürans fiirketleri Nezdindeki Depolar f.) Sigortal›lara Krediler (‹krazlar) g.) Emeklilik Faaliyetlerinden Alacaklar h.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar ›.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar Karfl›l›¤› (-) D. ‹L‹fiK‹L‹ TARAFLARDAN ALACAKLAR a.) Ortaklardan Alacaklar b.) ‹fltiraklerden Alacaklar c.) Ba¤l› Ortakl›klardan Alacaklar d.) Personelden Alacaklar e.) Di¤er ‹liflkili Taraflardan Alacaklar f.) ‹liflkili Taraflardan fiüpheli Alacaklar g.) ‹liflkili Taraflardan fiüpheli Alacaklar Karfl›l›¤› (-) E. D‹⁄ER ALACAKLAR a.) Verilen Depozito ve Teminatlar b.) Di¤er Çeflitli Alacaklar c.) fiüpheli Di¤er Alacaklar d.) fiüpheli Di¤er Alacaklar Karfl›l›¤› (-) F. GELECEK AYLARA A‹T G‹DERLER VE GEL‹R TAHAKKUKLARI a.) Gelecek Aylara Ait Giderler b.) Tahakkuk Etmifl Faiz Ve Kira Gelirleri c.) Gelir Tahakkuklar› d.) Gelecek Aylara Ait Di¤er Giderler Ve Gelir Tahakkuklar› G. D‹⁄ER CAR‹ VARLIKLAR a.) Gelecek Aylar ‹htiyac› Stoklar b.) Peflin Ödenen Vergiler Ve Fonlar c.) ‹fl Avanslar› d.) Personele Verilen Avanslar e.) Say›m Ve Tesellüm Noksanlar› f.) Di¤er Çeflitli Cari Varl›klar II . CAR‹ OLMAYAN VARLIKLAR A. ESAS FAAL‹YETLERDEN ALACAKLAR a.) Sigortac›l›k Faaliyetlerinden Alacaklar b.) Sigortac›l›k Faaliyetlerinden Alacaklar Karfl›l›¤› (-) c.) Sigorta ve Reasürans fiirketleri Nezdindeki Depolar d.) Sigortal›lara Krediler (‹krazlar) e.) Emeklilik Faaliyetlerinden Alacaklar f.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar g.) Esas Faaliyetlerden Kaynaklanan fiüpheli Alacaklar Karfl›l›¤› (-) B. ‹L‹fiK‹L‹ TARAFLARDAN ALACAKLAR a.) ‹fltiraklerden Alacaklar b.) Personelden Alacaklar c.) Di¤er ‹liflkili Taraflardan Alacaklar C. D‹⁄ER ALACAKLAR a.) Verilen Depozito ve Teminatlar b.) Di¤er Çeflitli Alacaklar c.) fiüpheli Di¤er Alacaklar d.) fiüpheli Di¤er Alacaklar Karfl›l›¤› (-) D. F‹NANSAL VARLIKLAR a.) Ba¤l› Menkul K›ymetler b.) ‹fltirakler c.) ‹fltirakler Sermaye Taahhütleri (-) d.) Ba¤l› Ortakl›klar e.) Ba¤l› Ortakl›klar Sermaye Taahhütleri (-) f.) Di¤er Finansal Varl›klar g.) Finansal Varl›klar De¤er Düflüklü¤ü Karfl›l›¤› (-) E. MADD‹ VARLIKLAR a.) Yat›r›m Amaçl› Gayr›menkuller b.) Yat›r›m Amaçl› Gayr›menkuller De¤er Düflüklü¤ü Karfl›l›¤› (-) c.) Kullan›m Amaçl› Gayr›menkuller d.) Makine Ve Teçhizatlar e.) Demirbafl Ve Tesisatlar f.) Motorlu Tafl›tlar g.) Di¤er Maddi Varl›klar (Özel Maliyet Bedelleri Dahil) h.) Kiralama Yoluyla Edinilmifl Maddi Varl›klar ›.) Birikmifl Amortismanlar (-) i.) Maddi Varl›klara ‹liflkin Avanslar (Yap›lmakta Olan Yat›r›mlar Dahil) F. MADD‹ OLMAYAN VARLIKLAR a.) Haklar b.) fierefiye c.) Faaliyet Öncesi Döneme Ait Giderler d.) Di¤er Maddi Olmayan Varl›klar e.) Birikmifl ‹tfalar (Amortismanlar) (-) G. GELECEK YILLARA A‹T G‹DERLER VE GEL‹R TAHAKKUKLARI a.) Gelecek Y›llara Ait Giderler b.) Gelir Tahakkuklar› c.) Gelecek Y›llara Ait Di¤er Giderler Ve Gelir Tahakkuklar› H. D‹⁄ER CAR‹ OLMAYAN VARLIKLAR a.) Gelecek Y›llar ‹htiyac› Stoklar b.) Peflin Ödenen Vergiler Ve Fonlar c.) Ertelenmifl Vergi Varl›klar› d.) Di¤er Çeflitli Cari Olmayan Varl›klar AKT‹F TOPLAMI 44 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Elemanter fiirketler Hayat ve Emeklilik fiirketleri Toplam Reasürans fiirketleri Genel Toplam 6,217,402,411 6,897,926,015 13,115,328,426 858,002,983 13,973,331,409 1,790,676,440 4,007,492 1,550,103 1,658,105,095 25,109,575 152,123,325 445,873,868 33,021 4,420 352,539,619 64,962 93,361,771 2,236,550,308 4,040,513 1,554,523 2,010,644,714 25,174,538 245,485,096 366,211,357 16,272 70,002 366,125,083 - 2,602,761,665 4,056,785 1,624,525 2,376,769,797 25,174,538 245,485,096 1,721,673,336 1,113,109,934 381,303,568 204,698,810 23,581,520 1,020,496 4,554,900,995 598,726,340 4,498,308 212,097,198 3,739,652,065 72,915 6,276,574,331 1,711,836,274 385,801,876 416,796,007 3,763,233,585 1,093,412 406,379,771 406,379,771 - 6,682,954,102 1,711,836,274 385,801,876 823,175,779 3,763,233,585 1,093,412 2,617,639,366 2,637,766,154 105,510,859 54,283,924 10,192 5,406,491 257,020,925 231,317,076 6,497,436 4,972 56,134 45,913 301,885 6,088,532 25,238,274 174,355 25,063,919 2,265,904 2,265,904 13,487,860 7,690,886 2,835,747 2,944,124 17,103 42,189,699 1,074,724 37,371,562 1,340,165 227,844 101 2,175,303 2,838,076,401 1,848,101,344 138,229,532 3,898,716 3,619,537 152,872,950 1,557,278,041 2,950,824 2,950,824 1,813,911 2,788 169,121 1,642,003 99,104 99,104 17,761,835 91,868 17,661,208 1,057,943 1,049,184 6,942,297 5,985,781 112,058 771,129 73,329 22,531,765 936,570 20,088,594 323,337 237,285 945,979 1,322,904,921 4,465,740,710 2,775,995,686 109,409,575 57,903,461 10,192 5,406,491 152,872,950 1,557,278,041 259,971,749 234,267,900 79,563,127 38,779,649 40,783,478 - 4,545,303,837 2,775,995,686 109,409,575 96,683,109 10,192 46,189,969 152,872,950 1,557,278,041 259,971,749 234,267,900 8,311,348 4,972 58,922 45,913 471,005 7,730,535 99,104 99,104 29,241 14,896 14,345 - 8,340,589 4,972 58,922 45,913 485,901 7,744,880 99,104 99,104 43,000,109 266,223 42,725,127 3,323,847 3,315,089 2,756 2,756 - 43,002,865 268,979 42,725,127 3,323,847 3,315,089 20,430,157 13,676,667 2,947,805 3,715,253 90,432 2,654,806 2,654,806 23,084,963 13,676,667 2,947,805 3,715,253 2,745,237 64,721,464 2,011,294 57,460,156 1,663,502 465,130 101 3,121,281 4,160,981,322 3,161,926 2,304,784 21,912 192,940 642,290 274,443,719 67,883,390 2,011,294 59,764,940 1,685,415 658,070 101 3,763,571 4,435,425,041 6,139,171 - 3,706,217 2,226 353,799 10,860 33,791,451 24,308,496 1,500 1,500 241,834 240,543 1,291 2,815 2,815 2,384,996,883 68,053,854 2,090,214,044 3,632,803 269,504,821 16,102,770 88,235 23,128,498 422,100,081 144,027,071 4,052,200 310,250,177 41,879,011 142,083,958 16,322,874 40,278,055 13,051,129 282,547,342 807,348 20,689,127 26,294,696 16,250,000 18,789 13,066,746 34,941,104 80,872 80,872 3,826,933 78,743 793,733 291,273 2,663,184 1,108,416,322 1,457,507 1,106,958,815 631,935 631,935 127,199 127,199 540,804 1,479,684 2,020,488 106,058,711 82,735,929 31,894,329 5,412,786 196,381 13,787,952 85,342,970 47,447,439 302,562 15,067,845 22,080,966 57,399,350 5,205,190 30,563,165 9,318,911 103,491,729 2,054,395 13,746,306 17,028,776 120,569 22,308,137 25,711,176 5,379,641 5,350,350 29,291 3,833,771 767 3,833,004 - 1,114,555,494 - 3,706,217 2,226 353,799 1,468,368 1,106,958,815 34,423,386 24,940,431 8,900,646 8,900,646 1,114,555,494 - 3,706,217 2,226 353,799 1,468,368 1,106,958,815 43,324,031 33,841,077 1,500 1,500 369,033 367,743 542,095 1,482,498 2,023,302 11,136 11,136 1,500 1,500 369,033 367,743 542,095 1,493,635 2,034,439 2,491,055,594 150,789,783 2,122,108,373 3,632,803 274,917,608 16,299,151 88,235 36,916,450 507,443,050 191,474,510 4,354,761 325,318,022 63,959,976 199,483,309 21,528,064 70,841,220 22,370,040 386,039,071 2,861,742 129,358,929 22,044,754 106,567,968 746,207 85,401,864 61,500,496 31,392,945 1,123,244 425,474 9,040,294 - 2,620,414,523 172,834,538 2,228,676,340 3,632,803 275,663,814 16,299,151 88,235 36,916,450 592,844,914 252,975,005 4,354,761 356,710,967 63,959,976 200,606,552 21,953,538 70,841,220 22,370,040 395,079,365 2,861,742 34,435,433 43,323,472 16,250,000 139,358 35,374,883 60,652,280 5,460,514 5,431,223 29,291 7,660,705 78,743 794,500 4,124,278 2,663,184 59,678,096 46,659 59,638,290 6,853 4,830 4,830 - 94,113,528 43,370,131 16,250,000 139,358 95,013,173 60,659,133 5,465,344 5,431,223 29,291 4,830 7,660,705 78,743 794,500 4,124,278 2,663,184 9,055,478,813 8,220,830,936 17,276,309,749 1,132,446,702 18,408,756,451 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 1. Sigorta ve Reasürans fiirketlerinin Konsolide Bilançolar› (31.12.2006) (YTL) PAS‹F Hayat ve Emeklilik fiirketleri Toplam 4,441,801,045 2,594,360 2,768,358 173,998 649,115,688 342,748,132 150,174,351 102,379,648 53,925,219 111,663 52,874,112 38,921,228 551,898 3,936,940,796 1,274,422 403,037 875,866 30,588 26,107 1,660,532,897 23,118,378 4,299,478 1,434,022 1,616,563,971 15,117,049 3,043,125 1,245,553 6 490,942,304 - F. D‹⁄ER YÜKÜMLÜLÜKLER VE KARfiILIKLARI a.) Ödenecek Di¤er Yükümlülükler b.) Vadesi Geçmifl, Ertelenmifl veya Taksitlendirilmifl Vergi & Di¤er Yükümlülükler G. D‹⁄ER R‹SKLERE ‹L‹fiK‹N KARfiILIKLAR a.) K›dem Tazminat› Karfl›l›¤› H. GELECEK YILLARA A‹T GEL‹RLER VE G‹DER TAHAKKUKLARI a.) Gelecek Y›llara Ait Di¤er Gelirler & Gider Tahakkuklar› I. D‹⁄ER UZUN VADEL‹ YÜKÜMLÜLÜKLER a.) Ertelenmifl Vergi Yükümlülü¤ü b.) Di¤er Çeflitli Uzun Vadeli Yükümlülükler III. Ö Z S E R M A Y E A. ÖDENM‹fi SERMAYE a.) (Nominal) Sermaye b.) Ödenmemifl Sermaye (-) c.) Sermaye Düzeltmesi Olumlu Farklar› d.) Sermaye Düzeltmesi Olumsuz Farklar› (-) B. SERMAYE YEDEKLER‹ a.) Hisse Senedi ‹hraç Primleri b.) Sermayeye Eklenecek Sat›fl Karlar› c.) Di¤er Sermaye Yedekleri C. KAR YEDEKLER‹ a.) Yasal Yedekler b.) Statü Yedekleri c.) Ola¤anüstü Yedekler d.) Özel Fonlar (Yedekler) e.) Finansal Varl›klar›n De¤erlemesi f.) Di¤er Kar Yedekleri D. GEÇM‹fi YILLAR KARLARI a.) Geçmifl Y›llar Karlar› E. GEÇM‹fi YILLAR ZARARLARI (-) a.) Geçmifl Y›llar Zararlar› (-) IV. DÖNEM NET KARI a.) Dönem Net Kar› b.) Dönem Net Zarar› (-) 80 872,686 12,528,220 78,863,861 2,503,363 76,360,498 3,531,004,769 2,180,940,811 5,306,305 1,296,911,898 548,583 47,297,172 98,292,940 62,920,388 8,939,279 1,651,300 52,062,583 28,038,855 758,245 20,902,399 6,803,084 8,491,980 5,607,334 7,376,776 1,527,218 4,045,313 1,804,246 776,139 200,347 575,792 507,826,919 1,007,032 1,094,488 87,456 5 5 158,583 155,684 2,899 442,661,211 7,434,744 8,241,662 426,984,806 995,374 985,599 9,776 62,219,241 62,219,241 785,473 174,388 611,085 4,105,850,849 2,384,446,139 1,856,897,963 221,631 538,398,843 10,629,037 12,661,360 83,039 1,227,028 11,351,292 1,811,019,193 199,961,800 452,112 499,940,924 596,958 1,103,527,323 6,540,076 68,722,840 68,722,840 323,765,628 323,765,628 152,766,945 330,906,151 178,139,206 451,381 1,346,186 44,200,763 1,190,137 43,010,625 2,136,869,248 146,248,375 3,817 1,690,790,571 128,795,146 582,052 167,401,225 3,048,062 45,545,568 13,948,645 6,603,519 9 29,160,263 7,840,709 3,673,840 11,174,796 3,690,730 7,484,066 10,722,739 1,139,945 9,062,246 520,549 23,577,238 59,869 322 23,517,047 3,346,661,601 376,926 393,185 16,259 1,106,958,815 1,106,958,815 4,996,076 4,996,076 80,018 80,018 2,194,629,767 2,069,280,093 101,637,825 23,711,849 38,081 38,081 30,622,359 30,622,359 8,959,560 8,959,560 937,228,539 755,440,221 660,370,700 140,790 95,210,311 550,109 286,252 263,857 228,153,001 67,724,921 11,067,310 116,692,920 35,547 32,632,303 276,329 276,329 124,923,008 124,923,008 77,731,886 151,291,633 73,559,747 8,378,741,841 3,868,782 403,037 3,644,225 204,586 26,107 2,309,648,585 365,866,511 154,473,828 103,813,670 1,616,563,971 69,042,268 111,663 55,917,237 40,166,781 551,904 80 1,324,067 13,874,406 123,064,624 3,693,501 119,371,123 5,667,874,017 2,327,189,186 3,817 1,696,096,876 1,425,707,044 582,052 167,949,808 50,345,234 143,838,508 76,869,033 15,542,798 1,651,309 81,222,847 35,879,564 4,432,085 32,077,194 10,493,814 8,491,980 13,091,400 18,099,516 2,667,162 13,107,559 2,324,795 24,353,377 260,216 322 24,092,839 3,854,488,519 1,383,958 1,487,673 103,715 1,106,958,815 1,106,958,815 4,996,081 4,996,081 238,601 235,702 2,899 2,637,290,978 2,076,714,836 109,879,486 450,696,655 1,033,455 985,599 47,856 92,841,600 92,841,600 9,745,032 174,388 9,570,644 5,043,079,389 3,139,886,360 2,517,268,663 362,421 633,609,154 10,629,037 13,211,469 83,039 1,513,280 11,615,149 2,039,172,194 267,686,722 11,519,421 616,633,845 632,505 1,136,159,626 6,540,076 68,999,170 68,999,170 448,688,636 448,688,636 230,498,831 482,197,785 251,698,953 48,413,135 48,413,135 - 8,869,684,145 3,868,782 403,037 3,644,225 204,586 26,107 2,335,243,170 365,866,511 178,917,313 104,964,770 1,616,563,971 69,042,268 111,663 56,055,590 40,172,197 551,904 80 1,324,067 14,007,343 123,064,624 3,693,501 119,371,123 6,123,654,559 2,566,477,234 3,817 1,697,021,847 1,641,274,568 582,052 167,949,808 50,345,234 153,267,332 77,831,146 15,599,243 1,651,309 97,885,357 44,131,808 4,432,085 32,077,194 10,493,814 8,491,980 13,091,400 18,099,516 2,667,162 13,107,559 2,324,795 24,353,377 260,216 322 24,092,839 3,959,326,064 1,383,958 1,487,673 103,715 1,106,958,815 1,106,958,815 4,996,081 4,996,081 238,601 235,702 2,899 2,737,911,254 2,076,714,836 109,879,486 551,316,931 1,033,455 985,599 47,856 97,039,356 97,039,356 19,512 19,512 9,745,032 174,388 9,570,644 5,579,746,242 3,482,886,360 2,860,268,663 362,421 633,609,154 10,629,037 53,631,336 83,039 41,933,147 11,615,149 2,144,006,045 278,185,432 24,019,421 616,633,845 632,505 1,177,529,497 47,005,346 68,999,170 68,999,170 448,688,636 448,688,636 278,911,966 530,610,920 251,698,953 PAS‹F TOPLAMI 9,055,478,813 8,220,830,936 17,276,309,749 1,132,446,702 18,408,756,451 I. K I S A V A D E L ‹ Y Ü K Ü M L Ü L Ü K L E R T O P L A M I A. F‹NANSAL BORÇLAR a.) Kredi Kurulufllar›na Borçlar b.) Finansal Kiralama ‹fllemelerinden Borçlar c.) Ertelenmifl Finansal Kiralama Borçlanma Maliyetleri (-) d.) Di¤er Finansal Borçlar (Yükümlülükler) B. ESAS FAAL‹YETLERDEN BORÇLAR a.) Sigortac›l›k Faaliyetlerinden Borçlar b.) Reasürans Faaliyetlerinden Borçlar c.) Sigorta & Reasürans fiirketlerinden Al›nan Depolar d.) Emeklilik Faaliyetlerinden Borçlar e.) Di¤er Esas Faaliyetlerden Borçlar f.) Di¤er Esas Faaliyetlerden Borçlar Borç Senetleri Reeskontu(-) C. ‹L‹fiK‹L‹ TARAFLARA BORÇLAR a.) Ortaklara Borçlar b.) ‹fltiraklere Borçlar c.) Ba¤l› Ortakl›klara Borçlar d.) Personele Borçlar e.) Di¤er ‹liflkili Taraflara Borçlar D. D‹⁄ER BORÇLAR a.) Al›nan Depozito & Teminatlar b.) Di¤er Çeflitli Borçlar E. S‹GORTACILIK TEKN‹K KARfiILIKLARI a.) Kazan›lmam›fl Primler Karfl›l›¤› - Net b.) Devam Eden Riskler Karfl›l›¤› - Net c.) Hayat Matematik Karfl›l›¤› - Net d.) Muallak Hasar & Tazminat Karfl›l›¤› - Net e.) ‹kramiye & ‹ndirimler Karfl›l›¤› - Net f.) Yat›r›m Riski Hayat Sigortas› Poliçe Sahiplerine Ait Poliçeler ‹çin Ayr›lan Karfl›l›k - Net g.) Di¤er Teknik Karfl›l›klar - Net F. ÖDENECEK VERG‹ VE BENZER‹ D‹⁄ER YÜKÜMLÜLÜKLER ‹LE KARfiILIKLARI a.) Ödenecek Vergi & Fonlar b.) Ödenecek Sosyal Güvenlik Kesintileri c.) Ödenecek Di¤er Vergi & Benzeri Yükümlülükler d.) Dönem Kar› Vergi & Di¤er Yasal Yükümlülük Karfl›l›klar› e.) Dönem Kar›n›n Peflin Ödenen Vergi & Di¤er Yükümlülükleri (-) f.) Di¤er Vergi & Benzeri Yükümlülük Karfl›l›klar› G. D‹⁄ER R‹SKLERE ‹L‹fiK‹N KARfiILIKLAR a.) K›dem Tazminat› Karfl›l›¤› b.) Sosyal Yard›m Sand›¤› Varl›k Aç›klar› Karfl›l›¤› c.) Maliyet Giderleri Karfl›l›¤› H. GELECEK AYLARA A‹T GEL‹RLER VE G‹DER TAHAKKUKLARI a.) Gelecek Aylara Ait Gelirler b.) Gider Tahakkuklar› c.) Gelecek Aylara Ait Di¤er Gelirler & Gider Tahakkuklar› I. D‹⁄ER KISA VADEL‹ YÜKÜMLÜLÜKLER a.) Ertelenmifl Vergi Yükümlü¤ü b.) Say›m & Tesellüm Fazlal›klar› c.) Di¤er Çeflitli K›sa Vadeli Yükümlülükler II. U Z U N V A D E L ‹ Y Ü K Ü M L Ü L Ü K L E R T O P L A M I A. F‹NANSAL BORÇLAR a.) Finansal Kiralama ‹fllemlerinden Borçlar b.) Ertelenmifl Finansal Kiralama Borçlanma Maliyetleri (-) B. ESAS FAAL‹YETLERDEN BORÇLAR a.) Sigortac›l›k Faaliyetlerinden Borçlar b.) Emeklilik Faaliyetlerinden Borçlar C. ‹L‹fiK‹L‹ TARAFLARA BORÇLAR a.) Ortaklara Borçlar D. D‹⁄ER BORÇLAR a.) Al›nan Depozito & Teminatlar b.) Di¤er Çeflitli Borçlar E. S‹GORTACILIK TEKN‹K KARfiILIKLARI a.) Hayat Matematik Karfl›l›¤› - Net b.) Yat›r›m Riski Hayat Sigortas› Poliçe Sahiplerine Ait Poliçeler ‹çin Ayr›lan Karfl›l›k - Net c.) Di¤er Teknik Karfl›l›klar - Net TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Elemanter fiirketler Reasürans fiirketleri 25,594,585 24,443,485 1,151,100 138,353 5,416 132,938 455,780,542 239,288,047 924,971 215,567,524 9,428,824 962,113 56,445 16,662,510 8,252,244 104,837,545 100,620,277 100,620,277 4,197,756 4,197,756 19,512 19,512 536,666,853 343,000,000 343,000,000 40,419,867 40,419,867 104,833,851 10,498,710 12,500,000 41,369,871 40,465,270 - ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY Genel Toplam 45 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 1. Consolidated Balance Sheet of Insurance and Reinsurance Companies (31.12.2006) (TRY) ASSETS I. CURRENT ASSETS A. CASH AND SIMILAR ASSETS a.) Cash In Hand b.) Checks Received c.) Cash At Bank d.) Checks Given and Payment Orders (-) e.) Other Cash and Similar Assets B. FINANCIAL ASSETS AND INVESTMENTS FOR THE BENEFIT OF LIFE INSURANCE POLICY HOLDERS WHO BEAR THE INVESTMENT RISK a.) Available for Sale Assets b.) Held to Maturity Assets c.) Marketable Assets d.) Financial Assets Whose Risk Belong to Holders of Life Insurance Policy e.) Provision for Depreciation of Financial Assets (-) C. RECIEVABLES FROM OPERATING ACTIVITIES a.) Insurance Activities b.) Provisions for Receivables From Insurance Activities (-) c.) Reinsurance Activities d.) Provisions for Receivables From Reinsurance Activities (-) e.) Deposits With Cedings and Retroceding Companies f.) The Credits to Insured (loans) g.) Pension Activities h.) Doubtful Receivables ›.) Provisions For Doubtful Receivables (-) D. RECEIVABLES FROM RELATED PARTIES a.) Shareholders b.) Participations c.) Affiliates d.) Personnel e.) Other Related Parties f.) Doubtful Receivables g.) Provisions for Doubtful Receivables (-) E. OTHER RECEIVABLES a.) Deposits and Guarantees Given b.) Other Miscellaneous Receivables c.) Other Doubtful Receivables d.) Provisions for Other Doubtful Receivables (-) F. EXPENSES RELATING TO FUTURE MONTHS AND INCOME ACCRUALS a.) Prepaid Expenses for Future Months b.) Accrued Interest and Rental Income c.) Income Accruals d.) Other Expenses Relating to Future Months and Income Accruals G. OTHER CURRENT ASSETS a.) Inventories for Future Months b.) Prepaid Taxes and Funds c.) Work Advances d.) Advances Given to Personnel e.) Inventory Shortages f.) Other Miscellaneous Current Assets II . NONCURRENT ASSETS A. RECEIVABLES FROM OPERATING ACTIVITIES a.) b.) c.) d.) e.) f.) g.) Insurance Activities Provisions for Receivables From Insurance Activities (-) Deposits with Cedings and Retroceding Companies Credits to Insured (Loans) Pension Activities Doubtful Receivables Provisions For Doubtful Receivables (-) B. RECEIVABLES FROM RELATED PARTIES a.) Participations b.) Personnel c.) Other Related Parties C. OTHER RECEIVABLES a.) Deposits and Guarantees Given b.) Other Miscellaneous Receivables c.) Other Doubtful Receivables d.) Provisions for Other Doubtful Receivables (-) D. FINANCIAL ASSETS a.) Long-Term Securities b.) Participations c.) Capital Commitments for Participations (-) d.) Subsidiaries e.) Capital Commitments for Subsidiaries (-) f.) Other Financial Assets g.) Provision for Depreciation of Financial Assets (-) E. TANGIBLE ASSETS a.) b.) c.) d.) e.) f.) g.) Real Estate- Related Investments Provision for Depreciation of Real Est- Rel Investments (-) Self-Occupied Real Estates Machinery and Equipments Fixture and Installations Motor Vehicles Other Tangible Assets (Including Special Cost) h.) Tangible Assets Obtained by Leasing ›.) Accumulated Depreciation (-) i.) Advances Related to Tangible Assets (Including Fixed Asstes Under Const.) F. INTANGIBLE ASSETS a.) Rights b.) Goodwill c.) Expenses Related to Pre-Activity Term d.) Other Intangible Assets e.) Accumulated Redemptions (Amortizations) (-) G. EXPENSES RELATING TO FUTURE YEARS AND INCOME ACCRUALS a.) Expenses Relating to Future Periods b.) Income Accruals c.) Other Expenses Relating to Future Years and Income Accruals H. OTHER NONCURRENT ASSETS a.) Inventories for Future Years b.) Prepaid Taxes and Funds c.) Deferred Tax Assets d.) Other Miscelleneaous Noncurrent assets TOTAL ASSETS 46 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Non - Life Companies Life and Pension Companies Reinsurance Companies General Total 6,217,402,411 6,897,926,015 13,115,328,426 Total 858,002,983 13,973,331,409 1,790,676,440 445,873,868 2,236,550,308 366,211,357 4,007,492 1,550,103 1,658,105,095 25,109,575 152,123,325 33,021 4,420 352,539,619 64,962 93,361,771 4,040,513 1,554,523 2,010,644,714 25,174,538 245,485,096 16,272 70,002 366,125,083 - 2,602,761,665 4,056,785 1,624,525 2,376,769,797 25,174,538 245,485,096 1,721,673,336 4,554,900,995 6,276,574,331 406,379,771 6,682,954,102 1,113,109,934 381,303,568 204,698,810 23,581,520 1,020,496 598,726,340 4,498,308 212,097,198 3,739,652,065 72,915 1,711,836,274 385,801,876 416,796,007 3,763,233,585 1,093,412 406,379,771 - 1,711,836,274 385,801,876 823,175,779 3,763,233,585 1,093,412 2,617,639,366 2,637,766,154 105,510,859 54,283,924 10,192 5,406,491 257,020,925 231,317,076 6,497,436 4,972 56,134 45,913 301,885 6,088,532 25,238,274 174,355 25,063,919 2,265,904 2,265,904 13,487,860 7,690,886 2,835,747 2,944,124 17,103 42,189,699 1,074,724 37,371,562 1,340,165 227,844 101 2,175,303 2,838,076,401 1,848,101,344 138,229,532 3,898,716 3,619,537 152,872,950 1,557,278,041 2,950,824 2,950,824 1,813,911 2,788 169,121 1,642,003 99,104 99,104 17,761,835 91,868 17,661,208 1,057,943 1,049,184 6,942,297 5,985,781 112,058 771,129 73,329 22,531,765 936,570 20,088,594 323,337 237,285 945,979 1,322,904,921 4,465,740,710 2,775,995,686 109,409,575 57,903,461 10,192 5,406,491 152,872,950 1,557,278,041 259,971,749 234,267,900 79,563,127 38,779,649 40,783,478 - 4,545,303,837 2,775,995,686 109,409,575 96,683,109 10,192 46,189,969 152,872,950 1,557,278,041 259,971,749 234,267,900 8,311,348 4,972 58,922 45,913 471,005 7,730,535 99,104 99,104 29,241 14,896 14,345 - 8,340,589 4,972 58,922 45,913 485,901 7,744,880 99,104 99,104 43,000,109 266,223 42,725,127 3,323,847 3,315,089 2,756 2,756 - 43,002,865 268,979 42,725,127 3,323,847 3,315,089 20,430,157 13,676,667 2,947,805 3,715,253 90,432 2,654,806 2,654,806 23,084,963 13,676,667 2,947,805 3,715,253 2,745,237 64,721,464 2,011,294 57,460,156 1,663,502 465,130 101 3,121,281 4,160,981,322 3,161,926 2,304,784 21,912 192,940 642,290 274,443,719 67,883,390 2,011,294 59,764,940 1,685,415 658,070 101 3,763,571 4,435,425,041 6,139,171 - 3,706,217 2,226 353,799 10,860 33,791,451 24,308,496 1,500 1,500 241,834 240,543 1,291 2,815 2,815 2,384,996,883 68,053,854 2,090,214,044 3,632,803 269,504,821 16,102,770 88,235 23,128,498 422,100,081 144,027,071 4,052,200 310,250,177 41,879,011 142,083,958 16,322,874 40,278,055 13,051,129 282,547,342 807,348 20,689,127 26,294,696 16,250,000 18,789 13,066,746 34,941,104 80,872 80,872 3,826,933 78,743 793,733 291,273 2,663,184 1,108,416,322 1,457,507 1,106,958,815 631,935 631,935 127,199 127,199 540,804 1,479,684 2,020,488 106,058,711 82,735,929 31,894,329 5,412,786 196,381 13,787,952 85,342,970 47,447,439 302,562 15,067,845 22,080,966 57,399,350 5,205,190 30,563,165 9,318,911 103,491,729 2,054,395 13,746,306 17,028,776 120,569 22,308,137 25,711,176 5,379,641 5,350,350 29,291 3,833,771 767 3,833,004 - 1,114,555,494 - 3,706,217 2,226 353,799 1,468,368 1,106,958,815 34,423,386 24,940,431 8,900,646 8,900,646 1,114,555,494 - 3,706,217 2,226 353,799 1,468,368 1,106,958,815 43,324,031 33,841,077 1,500 1,500 369,033 367,743 542,095 1,482,498 2,023,302 11,136 11,136 1,500 1,500 369,033 367,743 542,095 1,493,635 2,034,439 2,491,055,594 150,789,783 2,122,108,373 3,632,803 274,917,608 16,299,151 88,235 36,916,450 507,443,050 191,474,510 4,354,761 325,318,022 63,959,976 199,483,309 21,528,064 70,841,220 22,370,040 386,039,071 2,861,742 129,358,929 22,044,754 106,567,968 746,207 85,401,864 61,500,496 31,392,945 1,123,244 425,474 9,040,294 - 2,620,414,523 172,834,538 2,228,676,340 3,632,803 275,663,814 16,299,151 88,235 36,916,450 592,844,914 252,975,005 4,354,761 356,710,967 63,959,976 200,606,552 21,953,538 70,841,220 22,370,040 395,079,365 2,861,742 34,435,433 43,323,472 16,250,000 139,358 35,374,883 60,652,280 5,460,514 5,431,223 29,291 7,660,705 78,743 794,500 4,124,278 2,663,184 59,678,096 46,659 59,638,290 6,853 4,830 4,830 - 94,113,528 43,370,131 16,250,000 139,358 95,013,173 60,659,133 5,465,344 5,431,223 29,291 4,830 7,660,705 78,743 794,500 4,124,278 2,663,184 9,055,478,813 8,220,830,936 17,276,309,749 1,132,446,702 18,408,756,451 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 1. Consolidated Balance Sheet of Insurance and Reinsurance Companies (31.12.2006) (TRY) LIABILITIES I. SHORT TERM LIABILITIES A. FINANCIAL PAYABLES a.) Due to Credit Instutitions b.) Due From Financial Leasing Transactions c.) Deferred Financial Leasing Borrowing Costs (-) d.) Other Financial Payables (Liabilities) B. OPERATING ACTIVITY PAYABLES a.) Insurance Activities b.) Reinsurance Activities c.) Deposits With Cedings and Retroceding Companies d.) Pension Actvities e.) Other Operational Activity Payables f.) Rediscount on Notes Payable from Other Op. Activities (-) Non-Life Companies Life and Pension Companies 4,441,801,045 2,594,360 2,768,358 173,998 649,115,688 342,748,132 150,174,351 102,379,648 53,925,219 111,663 52,874,112 38,921,228 551,898 3,936,940,796 1,274,422 403,037 875,866 30,588 26,107 1,660,532,897 23,118,378 4,299,478 1,434,022 1,616,563,971 15,117,049 3,043,125 1,245,553 6 80 872,686 12,528,220 78,863,861 2,503,363 76,360,498 3,531,004,769 2,180,940,811 5,306,305 1,296,911,898 548,583 47,297,172 98,292,940 62,920,388 8,939,279 1,651,300 52,062,583 28,038,855 758,245 20,902,399 6,803,084 8,491,980 5,607,334 7,376,776 1,527,218 4,045,313 1,804,246 776,139 200,347 575,792 507,826,919 1,007,032 1,094,488 87,456 5 5 158,583 155,684 2,899 E. TECHNICAL PROVISIONS a.) Mathematical Reserves - Net b.) Provisions for The Policies Investment Risk of Which Belongs to Policy Holder - Net c.) Other Technical Provisions - Net F. OTHER LIABILITIES AND PROVISIONS THEREOF a.) Other Liabilities To Be Paid b.) Overdue, Deferred or Restructured Taxes and Other Fiscal Liabilities G. PROVISIONS FOR OTHER RISKS a.) Provision for Termination Indemnities H. INCOME RELATING TO FUTURE YEARS AND EXPENSE ACCRUALS a.) Other Income Relating to Future Years and Expense Accruals I. OTHER LONG TERM LIABILITIES a.) Deferred Tax Liabilitiy b.) Other Miscellaneous Long Term Liabilites III. EQUITY CAPITAL A. PAID-IN CAPITAL a.) (Nominal) Capital b.) Unpaid Capital (-) c.) Favourable Differences Out Of Capital Adjustment d.) Unfavourable Differences Out Of Capital Adjustment (-) B.CAPITAL RESERVES a.) Share Premiums b.) Sale Profits to Be Added in Capital c.) Other Capital Reserves C. PROFIT RESERVES a.) Legal Reserves b.) Statutory Reserves c.) Extraordinary Reserves d.) Special Funds (Reserves) e.) Financial Asset Valuation f.) Other Profit Reserves D. PROFITS FROM PREVIOUS PERIOD a.) Profits from Previous Year E. LOSSES FROM PREVIOUS PERIOD (-) a.) Loss From Previous Year (-) IV. NET PROFIT/LOSS FOR THE PERIOD a.) Net Profit for the Year b.) Net Loss for the Year (-) TOTAL LIABILITIES C. DUE TO RELATED PARTIES a.) Shareholders b.) Affiliates c.) Subsidiaries d.) Personnel e.) Other Related Parties D. OTHER PAYABALES a.) Deposits and Guarantees Received b.) Other Miscellaneous Payables E. TECHNICAL PROVISIONS a.) Provisions For Unearned Premiums - Net b.) Provisions for Unexpired Risks - Net c.) Mathematical Reserves - Net d.) Provision for Outstanding Claims - Net e.) Provision for Bonuses&Rebates - Net f.) Provisions for The Policies Investment Risk of Which Belongs to Policy Holder - Net g.) Other Technical Provisions - Net F. TAXES AND OTHER LIABILITIES TO BE PAID AND PROVISIONS THEREOF a.) Taxes and Funds Payable b.) Social Security Premiums to Be Paid c.) Other Tax and Similar Liabilities d.) Tax Provisions for Profit for The Period & Other Legal Liabilites !!! e.) Prepaid Taxes and Other Liabilitiesforf the Profit for the Period (-) f.) Provision for Other Taxes and Similar Liabilities G. PROVISIONS RELATED OTHER RISKS a.) Provision for Termination Indemnities b.) Provisions for Social Relief Funds Deficits c.) Provisions for Cost Exopenses H. INCOME RELATING TO FUTURE MONTHS AND EXPENSE ACCRUALS a.) Income Relating to Future Months b.) Expense Accruals c.) Other Income Relating to Future Months and Expense Accruals I. OTHER SHORT TERM LIABILITIES a.) Deferred Tax Liability b.) Inventory Overages c.) Other Miscellanous Short Term Liabilities II. LONG TERM LIABILITIES A. FINANCIAL PAYABLES a.) Due to Financial Leasing Transactions b.) Deferred Financial Leasing Borrowing Costs (-) B. OPERATING ACTIVITY PAYABLES a.) Insurance Activities b.) Pension Actvitiess C. DUE TO RELATED PARTIES a.) Shareholders D. OTHER PAYABLES a.) Deposits and Guarantees Received b.) Other Miscellanous Payables TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Total Reinsurance Companies General Total 490,942,304 - 451,381 1,346,186 44,200,763 1,190,137 43,010,625 2,136,869,248 146,248,375 3,817 1,690,790,571 128,795,146 582,052 167,401,225 3,048,062 45,545,568 13,948,645 6,603,519 9 29,160,263 7,840,709 3,673,840 11,174,796 3,690,730 7,484,066 10,722,739 1,139,945 9,062,246 520,549 23,577,238 59,869 322 23,517,047 3,346,661,601 376,926 393,185 16,259 1,106,958,815 1,106,958,815 4,996,076 4,996,076 80,018 80,018 - 8,378,741,841 3,868,782 403,037 3,644,225 204,586 26,107 2,309,648,585 365,866,511 154,473,828 103,813,670 1,616,563,971 69,042,268 111,663 55,917,237 40,166,781 551,904 80 1,324,067 13,874,406 123,064,624 3,693,501 119,371,123 5,667,874,017 2,327,189,186 3,817 1,696,096,876 1,425,707,044 582,052 167,949,808 50,345,234 143,838,508 76,869,033 15,542,798 1,651,309 81,222,847 35,879,564 4,432,085 32,077,194 10,493,814 8,491,980 13,091,400 18,099,516 2,667,162 13,107,559 2,324,795 24,353,377 260,216 322 24,092,839 3,854,488,519 1,383,958 1,487,673 103,715 1,106,958,815 1,106,958,815 4,996,081 4,996,081 238,601 235,702 2,899 442,661,211 7,434,744 8,241,662 426,984,806 995,374 985,599 9,776 62,219,241 62,219,241 785,473 174,388 611,085 4,105,850,849 2,384,446,139 1,856,897,963 221,631 538,398,843 10,629,037 12,661,360 83,039 1,227,028 11,351,292 1,811,019,193 199,961,800 452,112 499,940,924 596,958 1,103,527,323 6,540,076 68,722,840 68,722,840 323,765,628 323,765,628 152,766,945 330,906,151 178,139,206 2,194,629,767 2,069,280,093 101,637,825 23,711,849 38,081 38,081 30,622,359 30,622,359 8,959,560 8,959,560 937,228,539 755,440,221 660,370,700 140,790 95,210,311 550,109 286,252 263,857 228,153,001 67,724,921 11,067,310 116,692,920 35,547 32,632,303 276,329 276,329 124,923,008 124,923,008 77,731,886 151,291,633 73,559,747 2,637,290,978 2,076,714,836 109,879,486 450,696,655 1,033,455 985,599 47,856 92,841,600 92,841,600 9,745,032 174,388 9,570,644 5,043,079,389 3,139,886,360 2,517,268,663 362,421 633,609,154 10,629,037 13,211,469 83,039 1,513,280 11,615,149 2,039,172,194 267,686,722 11,519,421 616,633,845 632,505 1,136,159,626 6,540,076 68,999,170 68,999,170 448,688,636 448,688,636 230,498,831 482,197,785 251,698,953 100,620,277 - 48,413,135 48,413,135 - 2,076,714,836 109,879,486 551,316,931 1,033,455 985,599 47,856 97,039,356 97,039,356 19,512 19,512 9,745,032 174,388 9,570,644 5,579,746,242 3,482,886,360 2,860,268,663 362,421 633,609,154 10,629,037 53,631,336 83,039 41,933,147 11,615,149 2,144,006,045 278,185,432 24,019,421 616,633,845 632,505 1,177,529,497 47,005,346 68,999,170 68,999,170 448,688,636 448,688,636 278,911,966 530,610,920 251,698,953 9,055,478,813 8,220,830,936 17,276,309,749 1,132,446,702 18,408,756,451 25,594,585 24,443,485 1,151,100 138,353 5,416 132,938 455,780,542 239,288,047 924,971 215,567,524 9,428,824 962,113 56,445 16,662,510 8,252,244 104,837,545 - 100,620,277 4,197,756 4,197,756 19,512 19,512 536,666,853 343,000,000 343,000,000 40,419,867 40,419,867 104,833,851 10,498,710 12,500,000 41,369,871 40,465,270 - ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 8,869,684,145 3,868,782 403,037 3,644,225 204,586 26,107 2,335,243,170 365,866,511 178,917,313 104,964,770 1,616,563,971 69,042,268 111,663 56,055,590 40,172,197 551,904 80 1,324,067 14,007,343 123,064,624 3,693,501 119,371,123 6,123,654,559 2,566,477,234 3,817 1,697,021,847 1,641,274,568 582,052 167,949,808 50,345,234 153,267,332 77,831,146 15,599,243 1,651,309 97,885,357 44,131,808 4,432,085 32,077,194 10,493,814 8,491,980 13,091,400 18,099,516 2,667,162 13,107,559 2,324,795 24,353,377 260,216 322 24,092,839 3,959,326,064 1,383,958 1,487,673 103,715 1,106,958,815 1,106,958,815 4,996,081 4,996,081 238,601 235,702 2,899 2,737,911,254 47 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 2. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (fiirketler) (31.12.2006) (YTL) Yang›n Nakliyat 559.133.093 541.831.274 1.583.342.597 1.041.511.323 144.738.965 285.075.079 140.336.114 117.586.125 232.477.251 114.891.126 0 34.236.314 203.722.833 187.666.883 346.257.378 158.590.495 31.720.648 63.899.830 32.179.182 23.961.437 54.505.227 30.543.790 0 13.938.464 2.261.615.063 2.369.055.999 3.098.688.032 729.632.033 1.096.172.301 1.396.015.588 299.843.287 844.651.950 1.117.750.005 273.098.055 0 64.841.082 128.732.743 142.954.827 430.683.990 287.729.163 67.547.887 185.789.875 118.241.988 43.274.006 141.645.839 98.371.833 0 10.086.673 19.920.790 19.013.540 54.365.086 35.351.545 4.160.977 10.392.310 6.231.334 3.884.509 12.903.224 9.018.715 0 625.081 10.218.345 9.876.696 79.238.333 -34.876 558.637 TEKN‹K G‹DER A.) ÖDENEN HASARLAR (NET) (-) a.) Ödenen Hasarlar (Brüt) (-) b.) Ödenen Hasarlar (Reas. Pay›) B.) MUALLAK HASARLAR KARfiILI⁄I (NET) (-) a.) Muallak Hasarlar Karfl›l›¤› (Brüt) (-) b.) Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) C.) DEVREDEN MUALLAK HASARLAR KARfiILI⁄I (NET) a.) Devreden Muallak Hasarlar Karfl›l›¤› (Brüt) b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) (-) D.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M E.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M (-) F.) FAAL‹YET G‹DERLER‹ (-) 455.631.223 120.036.355 2.460.847.394 94.397.251 18.760.974 209.181.183 464.861.807 255.680.624 118.061.403 432.146.528 314.085.125 76.922.830 241.334.037 164.411.208 0 60.900.158 144.411.309 51.564.922 122.487.349 70.922.428 46.124.909 146.069.046 99.944.137 34.262.817 107.537.689 73.274.872 0 3.566.484 53.042.859 1.755.185.867 2.224.847.487 469.661.620 521.734.034 745.394.635 223.660.601 403.408.167 583.753.306 180.345.139 0 8.795.262 578.540.397 63.507.956 163.964.539 100.456.583 35.635.411 163.016.392 127.380.981 23.532.023 123.463.714 99.931.691 0 6.140.842 12.645.066 10.535.219 25.167.707 14.632.487 3.485.560 19.759.358 16.273.798 3.117.025 16.487.596 13.370.572 0 529.820 7.327.400 TEKN‹K KAR/ZARAR 103.501.870 83.686.477 - 199.232.331 34.335.492 1.159.816 TEKN‹K GEL‹R A.) YAZILAN PR‹MLER (NET) a.) Yaz›lan Primler (Brüt) b.) Reasürans Devredilen Primler (-) B.) KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) (-) a.) Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) (-) b.) Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) C.) DEVREDEN KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) a.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay› (-) D.) DEVAM EDEN R‹SKLER KARfiILI⁄INDA DE⁄‹fi‹M E.) TEKN‹K OLMAYAN BÖLÜMDEN AKTARILAN YATIRIM GEL‹RLER‹ F.) D‹⁄ER TEKN‹K GEL‹RLER Kaza Mühendislik Tar›m 2. Consolidated Profit And Loss Account of Non-Life Branches (Companies) (31.12.2006) (TRY) Fire Marine Accident Engineering Agriculture TECHNICAL INCOME A.) WRITTEN PREMIUMS (NET) a.) Written Premiums (Gross) b.) Premiums Ceded to Reinsurer (-) B.) PROVISIONS FOR UNEARNED PREMIUMS (NET) (-) a.) Provisions for Unearned Premiums (Gross) (-) b.) Provisions for Unearned Premiums (Reinsurer's share) C.) PROVISIONS FOR UNEARNED PREM. BROUGT FORWARD (NET) a.) Provisions for Unearned Premiums Brought Forward(Gross) b.) Provisions For Unearned Premiums Brought Forward (Reins. share) (-) D.) CHANGE IN PROVISION FOR UNEXPIRED RISKS E.) INVESTMENT INCOME TRANSFERRED FROM NON-TECHNICAL SECTION F.) OTHER TECHNICAL INCOMES 559.133.093 541.831.274 1.583.342.597 1.041.511.323 144.738.965 285.075.079 140.336.114 117.586.125 232.477.251 114.891.126 0 34.236.314 203.722.833 187.666.883 346.257.378 158.590.495 31.720.648 63.899.830 32.179.182 23.961.437 54.505.227 30.543.790 0 13.938.464 2.261.615.063 2.369.055.999 3.098.688.032 729.632.033 1.096.172.301 1.396.015.588 299.843.287 844.651.950 1.117.750.005 273.098.055 0 64.841.082 128.732.743 142.954.827 430.683.990 287.729.163 67.547.887 185.789.875 118.241.988 43.274.006 141.645.839 98.371.833 0 10.086.673 19.920.790 19.013.540 54.365.086 35.351.545 4.160.977 10.392.310 6.231.334 3.884.509 12.903.224 9.018.715 0 625.081 10.218.345 9.876.696 79.238.333 -34.876 558.637 TECHNICAL EXPENSES A.) PAID LOSSES (NET) (-) a.) Paid Losses (Gross) (-) b.) Paid Losses (Reinsurer's share) B.) PROVISION FOR OUTSTANDING LOSSES (NET) (-) a.) Provisions for Outstanding Losses (Gross) (-) b.) Provisions for Outstanding Losses (Reinsurer's share) C.) PROVISION FOR OUTSTANDING LOSSES BROUGHT FORWARD(NET) a.) Provisions for Outstanding Losses Brought Forward (Gross) b.) Provisions for Outstanding Losses Brought Forward (Reins. Share) (-) D.) CHANGE IN PROVISION FOR BONUSES & REBATES E.) CHANGE IN OTHER TECHNICAL PROVISIONS F.) OPERATING EXPENSES (-) TECHNICAL PROFIT/LOSS 455.631.223 120.036.355 2.460.847.394 94.397.251 18.760.974 209.181.183 464.861.807 255.680.624 118.061.403 432.146.528 314.085.125 76.922.830 241.334.037 164.411.208 0 60.900.158 144.411.309 51.564.922 122.487.349 70.922.428 46.124.909 146.069.046 99.944.137 34.262.817 107.537.689 73.274.872 0 3.566.484 53.042.859 1.755.185.867 2.224.847.487 469.661.620 521.734.034 745.394.635 223.660.601 403.408.167 583.753.306 180.345.139 0 8.795.262 578.540.397 63.507.956 163.964.539 100.456.583 35.635.411 163.016.392 127.380.981 23.532.023 123.463.714 99.931.691 0 6.140.842 12.645.066 10.535.219 25.167.707 14.632.487 3.485.560 19.759.358 16.273.798 3.117.025 16.487.596 13.370.572 0 529.820 7.327.400 103.501.870 83.686.477 - 199.232.331 34.335.492 1.159.816 48 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 2. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (fiirketler) (31.12.2006) (YTL) Sa¤l›k Hukuksal Koruma Ferdi Kaza Kredi KMA Mali Sorumluluk Hayat D›fl› Toplam 698.636.824 735.633.945 984.033.787 248.399.843 299.816.088 382.048.248 82.232.161 234.430.540 306.694.422 72.263.883 0 24.488.506 3.899.921 21.718.909 21.323.528 27.152.292 5.828.764 9.950.509 12.307.292 2.356.783 8.043.385 9.919.881 1..876.496 0 2.092.981 209.525 235.192.270 251.418.683 299.710.489 48.291.806 99.932.849 115.209.273 15.276.424 70.825.397 84.563.319 13.737.922 0 12.172.246 708.793 418.204 206.485 8.321.073 8.114.587 190.539 3.765.353 3.574.814 44.183 1.920.849 1.876.666 0 358.075 0 1.119.633.301 1.160.954.105 1.449.184.731 288.230.626 491.326.551 609.567.363 118.240.812 413.508.177 521.702.146 108.193.969 0 28.516.306 7.981.265 5.248.724.031 5.430.059.268 8.281.739.454 2.851.680.186 2.245.557.313 3.064.070.212 818.512.899 1.760.209.708 2.484.082.163 723.872.455 0 191.355.729 112.656.639 715.428.783 551.265.644 6.194.873 202.235 1.659.546 1.457.311 1.257.811 2.699.340 1.441.529 827.515 3.154.764 2.327.249 0 266 132.154.185 29.806.670 112.434 87.462 1.224.998.093 762.136.322 5.228.561.567 3.433.473.480 38.998.334 9.191.665 20.954.755 25.679.142 4.724.387 12.771.484 16.868.760 4.097.276 2.738.543 2.651.081 79.583 1.830.689 1.751.106 122.894 1.856.930 1.734.036 926.226.420 164.090.098 507.290.667 577.499.162 70.208.494 365.134.889 415.071.715 49.936.826 4.721.355.199 1.287.881.720 1.309.114.934 2.184.915.583 875.800.649 968.922.641 1.572.163.165 603.240.524 0 25.768 0 0 0 1.675.608 0 81.634.207 750.403.467 199.137.822 54.490.801 70.821.293 16.330.492 48.822.997 62.634.653 13.811.656 0 0 158.495.335 5.562.076 94.138.477 68.283 319.030.385 1.373.261.586 - 16.791.959 15.524.036 103.038.085 305.770 -105.364.792 20.162.464 2. Consolidated Profit And Loss Account of Non-Life Branches (Companies) (31.12.2006) (TRY) - Health Legal Protection Personel Accident Credit 698.636.824 735.633.945 984.033.787 248.399.843 299.816.088 382.048.248 82.232.161 234.430.540 306.694.422 72.263.883 0 24.488.506 3.899.921 21.718.909 21.323.528 27.152.292 5.828.764 9.950.509 12.307.292 2.356.783 8.043.385 9.919.881 1..876.496 0 2.092.981 209.525 235.192.270 251.418.683 299.710.489 48.291.806 99.932.849 115.209.273 15.276.424 70.825.397 84.563.319 13.737.922 0 12.172.246 708.793 418.204 206.485 8.321.073 8.114.587 190.539 3.765.353 3.574.814 44.183 1.920.849 1.876.666 0 358.075 0 1.119.633.301 1.160.954.105 1.449.184.731 288.230.626 491.326.551 609.567.363 118.240.812 413.508.177 521.702.146 108.193.969 0 28.516.306 7.981.265 5.248.724.031 5.430.059.268 8.281.739.454 2.851.680.186 2.245.557.313 3.064.070.212 818.512.899 1.760.209.708 2.484.082.163 723.872.455 0 191.355.729 112.656.639 715.428.783 551.265.644 132.154.185 29.806.670 112.434 87.462 1.224.998.093 762.136.322 5.228.561.567 3.433.473.480 750.403.467 199.137.822 54.490.801 70.821.293 16.330.492 48.822.997 62.634.653 13.811.656 0 0 6.194.873 202.235 1.659.546 1.457.311 1.257.811 2.699.340 1.441.529 827.515 3.154.764 2.327.249 0 266 38.998.334 9.191.665 20.954.755 25.679.142 4.724.387 12.771.484 16.868.760 4.097.276 2.738.543 2.651.081 79.583 1.830.689 1.751.106 122.894 1.856.930 1.734.036 926.226.420 164.090.098 507.290.667 577.499.162 70.208.494 365.134.889 415.071.715 49.936.826 4.721.355.199 1.287.881.720 1.309.114.934 2.184.915.583 875.800.649 968.922.641 1.572.163.165 603.240.524 0 25.768 0 0 0 1.675.608 0 81.634.207 158.495.335 5.562.076 94.138.477 68.283 319.030.385 1.373.261.586 - 16.791.959 15.524.036 103.038.085 305.770 -105.364.792 20.162.464 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Motor vehicles TPL ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY Non-Life Total 49 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 3. Hayat Branfl› Konsolide Kar/Zarar Hesab› (fiirketler ) 31.12.2006 (YTL) Hayat TEKN‹K GEL‹R A.) YAZILAN PR‹MLER (NET) a.) Yaz›lan Primler (Brüt) b.) Reasüröre Devredilen Primler (-) B.) KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) (-) a.) Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) (-) b.) Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) C.) DEVREDEN KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) a.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) (-) D.) DEVAM EDEN R‹SKLER KARfiILI⁄INDA DE⁄‹fi‹M E.) HAYAT BRANfiI YATIRIM GEL‹RLER‹ F.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi KARLAR G.) D‹⁄ER TEKN‹K GEL‹RLER 2,054,970,556 1,339,773,926 1,385,801,362 46,027,436 81,631,416 90,855,625 9,224,209 51,521,047 57,996,591 6,475,544 2,438,277 729,668,647 0 13,200,075 TEKN‹K G‹DER A.) ÖDENEN HASARLAR (NET) (-) a.) Ödenen Hasarlar (Brüt) (-) b.) Ödenen Hasarlar (Reas. Pay›) B.) MUALLAK HASARLAR KARfiILI⁄I (NET) (-) a.) Muallak Hasarlar Karfl›l›¤› (Brüt) (-) b.) Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) C.) DEVREDEN MUALLAK HASARLAR KARfiILI⁄I (NET) a.) Devreden Muallak Hasarlar Karfl›l›¤› (Brüt) b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas.Pay›) (-) D.) HAYAT MATEMAT‹K KARfiILI⁄I (NET) (-) a.) Hayat Matematik Karfl›l›¤› (Brüt) (-) b.) Hayat Matematik Karfl›l›¤› (Reas. Pay›) E.) DEVREDEN HAYAT MATEMAT‹K KARfiILI⁄I (NET) a.) Devreden Hayat Matematik Karfl›l›¤› (Brüt) b.) Devreden Hayat Matematik Karfl›l›¤› (Reas. Pay›) (-) F.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M G.) YATIRIM R‹SK‹ HAYAT S‹GORTASI POL‹ÇE SAH‹PLER‹NE A‹T POL‹ÇELER ‹Ç‹N AYRILAN KARfiILIKLARDA DE⁄‹fi‹M H.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M I.) FAAL‹YET G‹DERLER‹ (-) J.) YATIRIM G‹DERLER (-) K.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi ZARARLAR (-) L.) TEKN‹K OLMAYAN BÖLÜME AKTARILAN YATIRIM GEL‹RLER‹ (-) 1,902,635,992 1,471,220,091 1,484,388,976 13,168,885 71,204,017 76,307,148 5,103,130 51,989,822 54,786,280 -2,796,459 3,523,656,513 3,526,173,220 2,516,707 3,424,257,396 3,425,611,690 1,354,294 0 78,708,290 67,849 229,828,914 142,920,830 0 18,828,982 TEKN‹K KAR/ZARAR 50 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 152,334,565 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 3. Consolidated Profit and Loss Account of Life Branches 31.12.2006 (Companies) (TRY) Life TECNICAL INCOME A.) WRITTEN PREMIUMS (NET) a.) Written Premiums (Gross) b.) Premiums Ceded to Reinsurer (-) B.) PROVISIONS FOR UNEARNED PREMIUMS (NET) (-) a.) Provisions for Unearned Premiums (Gross) (-) b.) Provisions for Unearned Premiums (Reinsurer's share) C.) PROVISIONS FOR UNEARNED PREM. BROUGT FORWARD (NET) a.) Provisions for Unearned Premiums Brought Forward(Gross) b.) Provisions For Unearned Premiums Brought Forward (Reins. share) (-) D.) CHANGE IN PROVISION FOR UNEXPIRED RISKS E.) LIFE BRANCH INVESTMENT INCOME F.) UNREALIZED PROFITS IN INVESTMENT G.) OTHER TECHNICAL INCOMES 2,054,970,556 1,339,773,926 1,385,801,362 46,027,436 81,631,416 90,855,625 9,224,209 51,521,047 57,996,591 6,475,544 2,438,277 729,668,647 0 13,200,075 TECHNICAL EXPENSES A.) PAID LOSSES (NET) (-) a.) Paid Losses (Gross) (-) b.) Paid Losses (Reinsurer's share) B.) PROVISION FOR OUTSTANDING LOSSES (NET) (-) a.) Provisions for Outstanding Losses (Gross) (-) b.) Provisions for Outstanding Losses (Reinsurer's share) C.) PROVISION FOR OUTSTANDING LOSSES BROUGHT FORWARD(NET) a.) Provisions for Outstanding Losses Brou. Forw.(Gross) b.) Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-) D.) MATHEMATICAL RESERVES (NET) (-) a.) Mathemnatical Reserves (Gross) (-) b.) Mathemnatical Reserves (Reinsurer's Sahre) E.) MATHEMATICAL RESERVES BROUGHT FORWARD(NET) a.) Mathematical Reserves Brougt Forward (Gross) b.) Mathematical Reserves Brougt Forward (Reinsurer' Share) (-) F.) CHANGE IN PROVISION FOR BONUSES&REBATES G.) CHANGE IN PPROVISIONS FOR THE POLICIES INVESTMENT RISK OF WHICH BELONG TO POLICIYHOLDRS - Net H.) CHANGE IN OTHER TECHNICAL PROVISIONS I.) OPERATING EXPENSES (-) J.) INVESTMENT EXPENSES (-) K.) UNREALIZED LOSS IN INVESTMENTS (-) L.) INVESTMENT COSTS TRANSFERRED TO NON-TECHNICAL SECTION (-) 1,902,635,992 1,471,220,091 1,484,388,976 13,168,885 71,204,017 76,307,148 5,103,130 51,989,822 54,786,280 -2,796,459 3,523,656,513 3,526,173,220 2,516,707 3,424,257,396 3,425,611,690 1,354,294 0 78,708,290 67,849 229,828,914 142,920,830 0 18,828,982 152,334,565 TECHNICAL PROFIT/LOSS TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 51 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 4. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) (31.12.2006) (YTL) Yang›n TEKN‹K GEL‹R A.) YAZILAN PR‹MLER (NET) a.) Yazlan Primler (Brüt) b.) Reasüröre Devredilen Primler (-) B.) KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) (-) a.) Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) (-) b.) Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) C.) DEVREDEN KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) a.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) (-) D.) DEVAM EDEN R‹SKLER KARfiILI⁄INDA DE⁄‹fi‹M E.) TEKN‹K OLMAYAN BÖL‹MDEN AKTARILAN YATIRIM GEL‹RLER‹ F.) D‹⁄ER TEKN‹K GEL‹RLER TEKN‹K G‹DER A.) ÖDENEN HASARLAR (NET) (-) a.) Ödenen Hasarlar (Brüt) (-) b.) Ödenen Hasarlar (Reas. Pay›) B.) MUALLAK HASARLAR KARfiILI⁄I (NET) (-) a.) Muallak Hasarlar Karfl›l›¤› (Brüt) (-) b.) Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) C.) DEVREDEN MUALLAK HASARLAR KARfiILI⁄I (NET) a.) Devreden Muallak Hasarlar Karfl›l›¤› (Brüt) b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas.Pay›) (-) D.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M E.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M (-) F.) FAAL‹YET G‹DERLER‹ (-) TEKN‹K KAR/ZARAR Nakliyat Kaza Mühendislik Tar›m 176,873,965 163,819,892 225,345,163 61,525,271 26,648,079 31,297,564 4,649,485 25,508,093 32,955,326 7,447,233 0 5,685,439 8,508,620 31,066,300 30,258,251 38,213,058 7,954,807 5,224,626 6,531,952 1,307,326 4,846,485 5,795,145 948,660 0 1,054,503 131,688 254,625,440 253,271,503 266,355,198 13,083,695 102,111,106 106,889,567 4,778,461 94,939,892 98,969,285 4,029,393 0 7,321,582 1,203,569 45,747,935 48,368,745 64,376,200 16,007,454 17,677,734 21,342,536 3,664,802 13,312,866 16,380,905 3,068,039 0 1,567,325 176,733 1,325,133 1,435,332 2,381,723 946,391 194,097 312,455 118,358 33,500 60,389 26,889 0 46,620 3,778 150,627,079 70,868,345 84,785,012 13,916,666 74,676,326 102,006,249 27,329,923 49,726,925 65,865,196 16,138,271 0 5,162,071 49,647,262 26,511,778 16,461,648 19,813,433 3,351,784 13,799,502 26,861,526 13,062,024 13,798,786 19,999,582 6,200,796 0 0 10,049,414 271,206,424 218,115,695 228,321,566 10,205,871 58,875,100 64,145,067 5,269,967 51,434,410 54,742,157 3,307,747 0 0 45,650,039 51,893,010 26,749,555 32,319,445 5,569,889 22,831,990 30,907,358 8,075,368 17,120,657 22,382,767 5,262,110 0 158,141 19,273,980 1,023,797 584,997 1,037,660 452,664 215,985 465,773 249,788 199,760 351,221 151,461 0 0 422,576 26,246,886 4,554,522 -16,580,984 -6,145,075 - 3.903.099 301,336 4. Consolidated Profit And Loss Account of Non-Life Branches (Reinsurance Companies) (31.12.2006) (TRY) Fire TECHNICAL INCOME A.) WRITTEN PREMIUMS (NET) a.)Written Premiums (Gross) b.)Premiums Ceded to Reinsurer (-) B.) PROVISIONS FOR UNEARNED PREMIUMS (NET) (-) a.)Provisions for Unearned Premiums (Gross) (-) b.)Provisions for Unearned Premiums (Reinsurer's share) C.) PROVISIONS FOR UNEARNED PREM. BROUGT FORWARD (NET) a.)Provisions For Unearned Premiums Brought Forward (Gross) (-) b.)Provisions For Unearned Premiums Brought Forward (Reins. share) (-) D.) CHANGE IN PROVISION FOR UNEXPIRED RISKS E.) INVESTMENT INCOME TRANSFERRED FROM NON-TECHNICAL SECTION F.) OTHER TECHNICAL INCOMES TECHNICAL EXPENSES A.) PAID LOSSES (NET) (-) a.)Paid Losses (Gross) (-) b.)Paid Losses (Reinsurer's share) B.) PROVISION FOR OUTSTANDING LOSSES (NET) (-) a.)Provisions for Outstanding Losses (Gross) (-) b.)Provisions for Outstanding Losses (Reinsurer's share) C.) PROVISION FOR OUTSTANDING LOSSES BROUGHT FORWARD(NET) a.)Provisions for Outstanding Losses Brou. Forw.(Gross) b.)Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-) D.) CHANGE IN PROVISION FOR BONUSES&REBATES E.) CHANGE IN OTHER TECHNICAL PROVISIONS F.) OPERATING EXPENSES (-) TECHNICAL PROFIT/LOSS 52 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Accident Engineering Agriculture 176,873,965 163,819,892 225,345,163 61,525,271 26,648,079 31,297,564 4,649,485 25,508,093 32,955,326 7,447,233 0 5,685,439 8,508,620 150,627,079 70,868,345 84,785,012 13,916,666 74,676,326 102,006,249 27,329,923 49,726,925 65,865,196 16,138,271 0 5,162,071 49,647,262 31,066,300 30,258,251 38,213,058 7,954,807 5,224,626 6,531,952 1,307,326 4,846,485 5,795,145 948,660 0 1,054,503 131,688 26,511,778 16,461,648 19,813,433 3,351,784 13,799,502 26,861,526 13,062,024 13,798,786 19,999,582 6,200,796 0 0 10,049,414 Marine 254,625,440 253,271,503 266,355,198 13,083,695 102,111,106 106,889,567 4,778,461 94,939,892 98,969,285 4,029,393 0 7,321,582 1,203,569 271,206,424 218,115,695 228,321,566 10,205,871 58,875,100 64,145,067 5,269,967 51,434,410 54,742,157 3,307,747 0 0 45,650,039 45,747,935 48,368,745 64,376,200 16,007,454 17,677,734 21,342,536 3,664,802 13,312,866 16,380,905 3,068,039 0 1,567,325 176,733 51,893,010 26,749,555 32,319,445 5,569,889 22,831,990 30,907,358 8,075,368 17,120,657 22,382,767 5,262,110 0 158,141 19,273,980 1,325,133 1,435,332 2,381,723 946,391 194,097 312,455 118,358 33,500 60,389 26,889 0 46,620 3,778 1,023,797 584,997 1,037,660 452,664 215,985 465,773 249,788 199,760 351,221 151,461 0 0 422,576 26,246,886 4,554,522 -16,580,984 -6,145,075 301,336 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 4. Hayat D›fl› Branfllar›n Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri) (31.12.2006) (YTL) HukuksalKoruma Ferdi Kaza Kredi 118,984,646 117,434,088 120,465,076 3,030,988 39,090,549 40,139,895 1,049,346 37,430,193 39,043,136 1,612,943 0 3,179,050 31,864 Sa¤l›k 251,018 257,845 272,084 14,239 64,590 69,323 4,734 51,102 51,102 0 0 6,660 0 7,429,319 7,868,399 9,139,462 1,271,064 2,460,568 2,828,169 367,601 1,812,400 2,107,016 294,615 0 199,801 9,288 14,330 22,835 42,469 19,634 8,505 15,791 7,286 0 0 0 0 0 0 KMA Mali Sorumluluk 108,308,342 108,426,276 110,754,244 2,327,968 43,633,058 44,266,552 633,494 39,783,827 40,711,918 928,091 0 3,139,089 592,207 Hayat D›fl› Toplam 744,626,428 731,163,168 837,344,679 106,181,510 237,112,912 253,693,805 16,580,893 217,718,358 236,074,221 18,355,863 0 22,200,069 10,657,746 130,459,043 103,269,226 105,695,106 2,425,880 9,815,499 10,318,701 503,201 7,053,047 7,426,202 373,155 0 0 24,427,366 131,974 1,271 1,292 21 1,055 1,250 194 533 533 0 0 0 130,181 4,923,636 1,616,880 1,889,001 272,122 710,666 808,815 98,149 451,776 511,693 59,917 0 0 3,047,867 3,211 0 0 0 70 161 91 3,870 3,870 0 0 0 7,011 105,285,661 73,710,853 74,971,500 1,260,647 33,872,297 34,328,908 456,611 31,525,440 32,431,282 905,843 0 0 29,227,951 742,065,614 511,378,470 548,834,014 37,455,545 214,798,490 269,843,807 55,045,317 171,315,205 203,714,502 32,399,298 0 5,320,212 181,883,646 -11,474,397 119,044 2,505,683 11,119 3,022,681 2,560,814 4. Consolidated Profit And Loss Account of Non-Life Branches (Reinsurance Companies) (31.12.2006) (TRY) Credit Motor Vehicles TPL Non-Life Total 118,984,646 117,434,088 120,465,076 3,030,988 39,090,549 40,139,895 1,049,346 37,430,193 39,043,136 1,612,943 0 3,179,050 31,864 130,459,043 103,269,226 105,695,106 2,425,880 9,815,499 10,318,701 503,201 7,053,047 7,426,202 373,155 0 0 24,427,366 Health Legal Protection 251,018 257,845 272,084 14,239 64,590 69,323 4,734 51,102 51,102 0 0 6,660 0 131,974 1,271 1,292 21 1,055 1,250 194 533 533 0 0 0 130,181 7,429,319 7,868,399 9,139,462 1,271,064 2,460,568 2,828,169 367,601 1,812,400 2,107,016 294,615 0 199,801 9,288 4,923,636 1,616,880 1,889,001 272,122 710,666 808,815 98,149 451,776 511,693 59,917 0 0 3,047,867 14,330 22,835 42,469 19,634 8,505 15,791 7,286 0 0 0 0 0 0 3,211 0 0 0 70 161 91 3,870 3,870 0 0 0 7,011 108,308,342 108,426,276 110,754,244 2,327,968 43,633,058 44,266,552 633,494 39,783,827 40,711,918 928,091 0 3,139,089 592,207 105,285,661 73,710,853 74,971,500 1,260,647 33,872,297 34,328,908 456,611 31,525,440 32,431,282 905,843 0 0 29,227,951 744,626,428 731,163,168 837,344,679 106,181,510 237,112,912 253,693,805 16,580,893 217,718,358 236,074,221 18,355,863 0 22,200,069 10,657,746 742,065,614 511,378,470 548,834,014 37,455,545 214,798,490 269,843,807 55,045,317 171,315,205 203,714,502 32,399,298 0 5,320,212 181,883,646 -11,474,397 119,044 2,505,683 11,119 3,022,681 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Personal Accident ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2,560,814 53 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 5. Hayat Branfl› Konsolide Kar/Zarar Hesab› (Reasürans fiirketleri ) 31.12.2006 (YTL) Hayat TEKN‹K GEL‹R A.) YAZILAN PR‹MLER (NET) a.) Yaz›lan Primler (Brüt) b.) Reasüröre Devredilen Primler (-) B.) KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) (-) a.) Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) (-) b.) Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) C.) DEVREDEN KAZANILMAMIfi PR‹MLER KARfiILI⁄I (NET) a.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Brüt) b.) Devreden Kazan›lmam›fl Primler Karfl›l›¤› (Reas.Pay›) (-) D.) DEVAM EDEN R‹SKLER KARfiILI⁄INDA DE⁄‹fi‹M E.) HAYAT BRANfiI YATIRIM GEL‹RLER‹ F.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi KARLAR G.) D‹⁄ER TEKN‹K GEL‹RLER 15,545,559 14,952,709 16,084,073 1,131,364 2,175,135 2,687,151 512,016 2,071,281 2,097,984 26,703 0 696,404 0 300 TEKN‹K G‹DER A.) ÖDENEN HASARLAR (NET) (-) a.) Ödenen Hasarlar (Brüt) (-) b.) Ödenen Hasarlar (Reas. Pay›) B.) MUALLAK HASARLAR KARfiILI⁄I (NET) (-) a.) Muallak Hasarlar Karfl›l›¤› (Brüt) (-) b.) Muallak Hasarlar Karfl›l›¤› (Reas. Pay›) C.) DEVREDEN MUALLAK HASARLAR KARfiILI⁄I (NET) a.) Devreden Muallak Hasarlar Karfl›l›¤› (Brüt) b.) Devreden Muallak Hasarlar Karfl›l›¤› (Reas.Pay›) (-) D.) HAYAT MATEMAT‹K KARfiILI⁄I (NET) (-) a.) Hayat Matematik Karfl›l›¤› (Brüt) (-) b.) Hayat Matematik Karfl›l›¤› (Reas. Pay›) E.) DEVREDEN HAYAT MATEMAT‹K KARfiILI⁄I (NET) a.) Devreden Hayat Matematik Karfl›l›¤› (Brüt) b.) Devreden Hayat Matematik Karfl›l›¤› (Reas. Pay›) (-) F.) ‹KRAM‹YE VE ‹ND‹R‹MLER KARfiILI⁄INDA DE⁄‹fi‹M G.) YATIRIM R‹SK‹ HAYAT S‹GORTASI POL‹ÇE SAH‹PLER‹NE A‹T POL‹ÇELER ‹Ç‹N AYRILAN KARfiILIKLARDA DE⁄‹fi‹M H.) D‹⁄ER TEKN‹K KARfiILIKLARDA DE⁄‹fi‹M I.) FAAL‹YET G‹DERLER‹ (-) J.) YATIRIM G‹DERLER (-) K.) YATIRIMLARDAK‹ GERÇEKLEfiMEM‹fi ZARARLAR (-) L.) TEKN‹K OLMAYAN BÖLÜME AKTARILAN YATIRIM GEL‹RLER‹ (-) 13,390,386 4,816,404 5,626,055 809,651 -769,034 1,348,000 578,967 467,598 467,598 0 924,971 924,971 0 759,495 759,495 0 0 0 0 8,107,071 0 0 0 2,155,173 TEKN‹K KAR/ZARAR 5. Consolidated Profit and Loss Account of Life Branches 31.12.2006 (Reinsurance Companies) (TRY) Life TECNICAL INCOME A.) WRITTEN PREMIUMS (NET) a.) Written Premiums (Gross) b.) Premiums Ceded to Reinsurer (-) B.) PROVISIONS FOR UNEARNED PREMIUMS (NET) (-) a.) Provisions for Unearned Premiums (Gross) (-) b.) Provisions for Unearned Premiums (Reinsurer's share) C.) PROVISIONS FOR UNEARNED PREM. BROUGT FORWARD (NET) a.) Provisions for Unearned Premiums Brought Forward(Gross) b.) Provisions For Unearned Premiums Brought Forward (Reins. share) (-) D.) CHANGE IN PROVISION FOR UNEXPIRED RISKS E.) LIFE BRANCH INVESTMENT INCOME F.) UNREALIZED PROFITS IN INVESTMENT G.) OTHER TECHNICAL INCOMES 15,545,559 14,952,709 16,084,073 1,131,364 2,175,135 2,687,151 512,016 2,071,281 2,097,984 26,703 0 696,404 0 300 TECHNICAL EXPENSES A.) PAID LOSSES (NET) (-) a.) Paid Losses (Gross) (-) b.) Paid Losses (Reinsurer's share) B.) PROVISION FOR OUTSTANDING LOSSES (NET) (-) a.) Provisions for Outstanding Losses (Gross) (-) b.) Provisions for Outstanding Losses (Reinsurer's share) C.) PROVISION FOR OUTSTANDING LOSSES BROUGHT FORWARD(NET) a.) Provisions for Outstanding Losses Brou. Forw.(Gross) b.) Provisions for Outstanding Losses Brou. Forw.(Rein. Share) (-) D.) MATHEMATICAL RESERVES (NET) (-) a.) Mathemnatical Reserves (Gross) (-) b.) Mathemnatical Reserves (Reinsurer's Sahre) E.) MATHEMATICAL RESERVES BROUGHT FORWARD(NET) a.) Mathematical Reserves Brougt Forward (Gross) b.) Mathematical Reserves Brougt Forward (Reinsurer' Share) (-) F.) CHANGE IN PROVISION FOR BONUSES&REBATES G.) CHANGE IN PPROVISIONS FOR THE POLICIES INVESTMENT RISK OF WHICH BELONG TO POLICIYHOLDRS - Net H.) CHANGE IN OTHER TECHNICAL PROVISIONS I.) OPERATING EXPENSES (-) J.) INVESTMENT EXPENSES (-) K.) UNREALIZED LOSS IN INVESTMENTS (-) L.) INVESTMENT COSTS TRANSFERRED TO NON-TECHNICAL SECTION (-) 13,390,386 4,816,404 5,626,055 809,651 -769,034 1,348,000 578,967 467,598 467,598 0 924,971 924,971 0 759,495 759,495 0 0 0 0 8,107,071 0 0 0 2,155,173 TECHNICAL PROFIT/LOSS 54 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 6. Emeklilik Branfl› Konsolide Kar/Zarar Hesab› (31.12.2006) (YTL) Emeklilik TEKN‹K GEL‹R 121.684.702 A.) FON ‹fiLET‹M GEL‹RLER‹ 43.071.050 B.) YÖNET‹M G‹DER‹ KES‹NT‹S‹ 46.155.653 C.) G‹R‹fi A‹DATI GEL‹RLER‹ 28.891.157 D.) ARA VERME HAL‹NDE YÖNET‹M G‹DER‹ KES‹NT‹S‹ 2.888.673 E.) ÖZEL H‹ZMET G‹DER‹ KES‹NT‹S‹ - F.) SERMAYE TAHS‹S AVANSI DE⁄ER ARTIfi GEL‹RLER‹ 197.543 G.) D‹⁄ER TEKN‹K GEL‹RLER 480.628 TEKN‹K G‹DER 269.129.038 A.) FON ‹fiLET‹M G‹DERLER‹ (-) 8.912.727 B.) SERMAYE TAHS‹S AVANSLARI DE⁄ER AZALIfi G‹DERLER‹(-) C.) FAAL‹YET G‹DERLER‹ (-) 39.311 253.189.904 D.) D‹⁄ER TEKN‹K G‹DERLER (-) 6.987.097 TEKN‹K KAR/ZARAR -147.444.336 6. Consolidated Profit and Loss Account of Pension Branch (31.12.2006) (TRY) Pension 121.684.702 TECHNICAL INCOME A.) INCOMES OBTAINED FROM FUND OPERATIONS 43.071.050 B.) ADMINISTRATION COST DEDUCTION 46.155.653 C.) ENTRY REMUNERATION INCOME 28.891.157 D.) ADMINISTRATION COST DEDUCTION IN CASE OF INTERRUPTION 2.888.673 - E.) SPECIAL SERVICE COST DEDUCTION F.) INCOME OBTAINED FROM INCREASE OF CAPITAL ALLOCATION ADVANCE 197.543 G.) OTHER TECHNICAL INCOMES 480.628 269.129.038 TECHNICAL EXPENSES 8.912.727 A.) FUND OPERATION EXPENSES (-) B.) COSTS OF VALUE DECREASE OF CAPITAL ALLOCATION ADVANCES (-) 253.189.904 C.) OPERATING EXPENSES (-) 6.987.097 D.) OTHER TECHNICAL EXPENSES (-) -147.444.336 TECHNICAL PROFIT/LOSS TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 39.311 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 55 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 7. Branfllara Göre Teknik Karlar ve Art›fl Oranlar› (000 YTL) 7. Technical Profit According to Branches and Percentage Breakdown (000 TRY) Branfllar Branches 2002 2003 % Yang›n Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tar›m Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit Trafik Motor Vehicle TPL Toplam Total 2004 % % 2005 * % 2005 ** 2006 * 2006 ** % % 59.253 180.0 42.384 -28.5 88.725 109.3 230.007 159.2 126.965 240.663 4.6% 47.099 55.4 61.869 31.4 68.475 10.7 102.411 49.6 76.714 100.104 -2.3% 83.686 9.1% 90.206 6.4 -70.823 -178.5 44.644 163.0 -52.528 -217.7 - 188.535 -63.599 -21.1% - 199.232 -5.7% 17.958 -1.6 22.837 27.2 34.153 49.6 53.140 55.6 31.127 59.800 12.5% 34.335 10.3% 1.839 110.7 2.006 9.1 1.216 -39.4 1.929 58.6 - 2.056 6.130 217.8% 1.160 156.4% 1962 23.8 2.764 40.9 8.219 197.4 11.451 39.3 10.496 15.834 38.3% 15.524 47.9% 51.457 91.8 26.913 -47.7 40.314 49.8 35.451 -12.1 - 34.192 61.367 73.1% - 16.792 50.9% 31.992 36.9 43.341 35.5 65.857 52.0 90.291 37.1 79.621 110.013 21.8% 103.038 29.4% 16 -25.0 49 210.9 184 275.5 342 85.9 175 432 26.2% 306 75.0% - 58.779 - 66.309 12.8 116.238 75.3 41.134 -11.521 -109.9% 45.6 190.119 -37.0 418.096 119.9 588.732 40.8 141.450 519.222 -11.8% 301.783 * Eski hesap düzenine göre ** Yeni hesap düzenine göre -18.5% -105.365 -356.2% 20.162 -85.7% * According to former accounting system ** According to current accounting system 8. Hayat D›fl› Branfllar›n Hasar / Prim Oranlar› (%) Branfllar Branches Yang›n Fire Nakliyat Marine Kaza Accident Mühendislik Engineering Tar›m Agriculture Hukuksal Koruma Legal Protection Sa¤l›k Health Ferdi Kaza Personal Accident Kredi Credit 8. Loss Ratios of Non-Life Branches (%) 2002 2003 2004 2005 2006 41.90 38.30 29.25 35,73 49,90 50.24 47.33 48.76 42,06 47,80 70.74 85.38 79.19 87,85 84,61 65.94 60.04 56.06 54,83 52,65 60.10 113.08 52.65 87,38 50,00 0.27 0.47 46.97 3,74 4,86 74.82 81.06 82.95 84,66 83,48 17.01 19.80 16.27 16,38 17,77 117.39 25.77 56.38 43,61 41,88 - 71.20 74.83 67,58 79,97 61.59 66.13 63.92 67,58 69,26 KMA Mali Sorumluluk Motor Vehicle TPL Toplam Total (Ödenen Tazminat + Muallak Hasar Karfl›l›¤›) – Devreden Muallak Hasar Karfl›l›¤› Hasar / Prim Oran› = ( Al›nan Prim + Devreden Cari Riskler Karfl›l›¤›) – Cari Riskler Karfl›l›¤› Incurred Losses Loss Ratio = (Losses Paid + Reserve for O/S Losses) – Reserve for O/S Losses Brought Forward = Earned Premium 56 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 103.502 (Premiums + Reserve for Unexpired Risk Brought Forward) – Reserve for Unexpired Risk ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 9. Sigorta ve Reasürans fiirketlerinin Konsolide Mali Kar/Zarar Tablosu (YTL) Elemanter fiirketler YATIRIM GEL‹RLER‹ A.) F‹NANSAL YATIRIMLARDAN ELDE ED‹LEN GEL‹RLER B.) F‹NANSAL YATIRIMLARIN NAKDE ÇEVR‹LMES‹NDEN ELDE ED‹LEN KARLAR C.) F‹NANSAL YATIRIMLARIN DE⁄ERLEMES‹ D.) KAMB‹YO KARLARI E.) ‹fiT‹RAKLERDEN GEL‹RLER F.) BA⁄LI ORTAKLIKLAR VE MÜfiTEREK YÖNET‹ME TAB‹ TEfiEBBÜSLERDEN GEL‹RLER G.) ARAZ‹, ARSA ‹LE B‹NALARDAN ELDE ED‹LEN GEL‹RLER H.) TÜREV ÜRÜNLERDEN ELDE ED‹LEN GEL‹RLER I.) D‹⁄ER YATIRIMLAR J.) HAYAT TEKN‹K BÖLÜMÜNDEN AKTARILAN YATIRIM GEL‹RLER‹ YATIRIM G‹DERLER‹ A.) YATIRIM YÖNET‹M G‹DERLER‹ – FA‹Z DAH‹L (-) B.) YATIRIMLAR DE⁄ER AZALIfiLARI (-) C.) YATIRIMLARIN NAKTE ÇEVR‹LMES‹ SONUCUNDA OLUfiAN ZARARLAR (-) D.) HAYAT DIfiI TEKN‹K BÖLÜMÜNE AKTARILAN YATIRIM GEL‹RLER‹ (-) E.) TÜREV ÜRÜNLER SONUCUNDA OLUfiAN ZARARLAR (-) F.) KAMB‹YO ZARARLARI (-) G.) AMORT‹SMAN G‹DERLER‹ (-) H.) D‹⁄ER YATIRIM G‹DERLER‹ (-) D‹⁄ER FAAL‹YETLERDEN & OLA⁄ANDIfiI FAAL‹YETLERDEN GEL‹R & KARLAR-G‹DER & ZARARLAR (+/-) A.) KARfiILIKLAR HESABI (+/-) B.) REESKONT HESABI (+/-) C.) ZORUNLU DEPREM S‹GORTASI HESABI (+/-) D.) ENFLASYON DÜZELTMES‹ HESABI (+/-) E.) ERTELENM‹fi VERG‹ VARLI⁄I HESABI (+/-) F.) ERTELENM‹fi VERG‹ YÜKÜMLÜLÜ⁄Ü G‹DER‹ (-) G.) D‹⁄ER GEL‹R VE KARLAR H.) D‹⁄ER G‹DER VE ZARARLAR (-) I.) ÖNCEK‹ YIL GEL‹R VE KARLARI J.) ÖNCEK‹ YIL G‹DER VE ZARARLARI(-) NET DÖNEM KARI VEYA ZARARI A.) NET TEKN‹K KAR B.) YATIRIM GEL‹RLER‹ C.) YATIRIM G‹DERLER‹ (-) D.) D‹⁄ER ZARARLAR (-) E.) ENFLASYON DÜZELTME HESABI F.) BRÜT DÖNEM KARI (vergi öncesi) G.) VERG‹ VE D‹⁄ER YÜKÜMLÜLÜKLER (-) H.) NET DÖNEM KARI Hayat ve Emeklilik fiirketleri Toplam Reasürans fiirketleri Genel Toplam 571,180,876 311,091,124 26,736,034 54,555,643 78,512,715 82,953,200 1,366,560 13,759,842 1,668,055 421,787 115,915 289,058,137 4,213,642 1,882,166 7,979,753 157,958,400 200,222 68,923,586 46,859,975 1,040,394 -108,506,951 -112,429,093 -5,277,891 409,852 -314 181,378 216,190 38,965,662 28,781,254 590,638 1,949,740 173,615,788 196,520,211 73,889,729 55,011,079 33,285,699 5,523,778 3,385,011 1,752,743 4,708,376 225,271 574,426 18,164,098 41,936,473 2,979,881 2,768,972 6,206,837 7,471,546 0 5,295,684 16,484,585 728,968 -42,332,168 -20,913,645 10,463 0 0 2,915,472 29,241 16,592,369 28,545,776 332,786 12,694,597 112,251,569 767,701,087 384,980,853 81,747,114 87,841,342 84,036,493 86,338,211 3,119,303 18,468,218 1,893,326 996,214 18,280,013 330,994,610 7,193,523 4,651,138 14,186,590 165,429,946 200,222 74,219,270 63,344,560 1,769,362 -150,839,119 -133,342,738 -5,267,427 409,852 -314 3,096,850 245,430 55,558,030 57,327,030 923,424 14,644,336 285,867,357 119,785,082 60,165,145 20,836,388 973,408 23,072,446 5,678,612 0 8,784,737 274,346 0 0 51,591,361 17,634,735 0 2,695,362 22,200,069 0 6,798,863 2,262,333 0 -7,834,063 -631,705 0 0 0 0 0 71,364 7,273,722 0 0 60,359,658 887,486,169 445,145,998 102,583,502 88,814,750 107,108,939 92,016,823 3,119,303 27,252,956 2,167,672 996,214 18,280,013 382,585,971 24,828,258 4,651,138 16,881,952 187,630,015 200,222 81,018,133 65,606,892 1,769,362 -158,673,182 -133,974,444 -5,267,427 409,852 -314 3,096,850 245,430 55,629,394 64,600,752 923,424 14,644,336 346,227,015 30,424,941 571,180,876 289,058,137 108,506,951 0 204,040,729 51,273,783 152,766,945 -5,372,249 196,520,211 41,936,473 42,332,168 0 106,879,321 29,147,435 77,731,886 25,052,692 767,701,087 330,994,610 150,839,119 0 310,920,049 80,421,218 230,498,831 4,715,987 119,785,082 51,591,361 7,834,063 0 65,075,645 16,662,510 48,413,135 29,768,679 887,486,169 382,585,971 158,673,182 0 375,995,695 97,083,728 278,911,966 9. Consolidated Financial Profit / Loss Accounts of Insurance and Reinsurance Companies (TRY) Non-Life Companies INVESTMENT INCOME A.) INCOME FROM FINANCIAL INVESTMENTS B.) INCOME FROM THE CONVERSION OF FINANCIAL INVESTMENTS INTO CASH C.) VALUATION OF FINANCIAL INVESTMENTS D.) PROFIT ON EXCHANGE E.) INCOME FROM PARTICIPATIONS F.) INCOME FROM AFFILIATES AND ENTERPRISES SUBJECT TO JOINT MANAGEMENT G.) INCOME FROM LANDS, BUILDING SITES AND BUILDINGS H.) INCOME FROM DERIVATIVES I.) OTHER INVESTMENTS J.) INVESTMENT INCOME TRANSFERRED FROM LIFE TECHNICAL SECTION INVESTMENT EXPENSE A.) INVESTMENT ADMINISTRATION COST - INCLUDING INTEREST (-) B.) DEPRECIATION IN THE VALUE OF INVESTMENTS (-) C.) LOSS ARISING FROM THE CONVERSION OF THE INVESTMENTS INTO CASH D.) INVESTMENT INCOME TRANSFERRED TO NON-LIFE TECHNICAL SECTION (-) E.) LOSS FROM DERIVATIVES (-) F.) LOSS ON EXCHANGE(-) G.) AMORTISATION COSTS (-) H.) OTHER INVESTMENT EXPENSE(-) PROFIT& LOSS ARISING FROM OTHER OPERATIONS (+/-) A.) RESERVE ACCOUNTS (+/-) B.) DISCOUNT ACCOUNT (+/-) C.) COMPULSORY EARTHQUAKE INSURANCE ACCOUNT (+/-) D.) INFLATION ADJUSTMENT ACCOUNT (+/-) E.) DEFERRED TAX HOLDING ACCOUNT (+/-) F.) DEFERRED TAX LIABILITY COST (-) G.) OTHER INCOME AND PROFITS H.) OTHER EXPENSE AND LOSSES (-) I.) INCOME AND PROFITS FROM THE PREVIOUS PERIOD J.) EXPENSE AND LOSSES FROM THE PREVIOUS PERIOD NET PROFIT OR LOSS FOR THE PERIOD A.) NET TECHNICAL PROFIT B.) INVESTMENT INCOMES C.) INVESTMENT EXPENSE (-) D.) OTHER LOSSES (-) E.) INFLATION ADJUSTMENT ACCOUNT F.) GROSS PROFIT FOR THE PERIOD (pre-tax) G.) TAXES AND OTHER LIABILITIES (-) H.) NET PROFIT FOR THE PERIOD TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Life and Pension Companies Total Reinsurance Companies General Total 571,180,876 311,091,124 26,736,034 54,555,643 78,512,715 82,953,200 1,366,560 13,759,842 1,668,055 421,787 115,915 289,058,137 4,213,642 1,882,166 7,979,753 157,958,400 200,222 68,923,586 46,859,975 1,040,394 -108,506,951 -112,429,093 -5,277,891 409,852 -314 181,378 216,190 38,965,662 28,781,254 590,638 1,949,740 173,615,788 196,520,211 73,889,729 55,011,079 33,285,699 5,523,778 3,385,011 1,752,743 4,708,376 225,271 574,426 18,164,098 41,936,473 2,979,881 2,768,972 6,206,837 7,471,546 0 5,295,684 16,484,585 728,968 -42,332,168 -20,913,645 10,463 0 0 2,915,472 29,241 16,592,369 28,545,776 332,786 12,694,597 112,251,569 767,701,087 384,980,853 81,747,114 87,841,342 84,036,493 86,338,211 3,119,303 18,468,218 1,893,326 996,214 18,280,013 330,994,610 7,193,523 4,651,138 14,186,590 165,429,946 200,222 74,219,270 63,344,560 1,769,362 -150,839,119 -133,342,738 -5,267,427 409,852 -314 3,096,850 245,430 55,558,030 57,327,030 923,424 14,644,336 285,867,357 119,785,082 60,165,145 20,836,388 973,408 23,072,446 5,678,612 0 8,784,737 274,346 0 0 51,591,361 17,634,735 0 2,695,362 22,200,069 0 6,798,863 2,262,333 0 -7,834,063 -631,705 0 0 0 0 0 71,364 7,273,722 0 0 60,359,658 887,486,169 445,145,998 102,583,502 88,814,750 107,108,939 92,016,823 3,119,303 27,252,956 2,167,672 996,214 18,280,013 382,585,971 24,828,258 4,651,138 16,881,952 187,630,015 200,222 81,018,133 65,606,892 1,769,362 -158,673,182 -133,974,444 -5,267,427 409,852 -314 3,096,850 245,430 55,629,394 64,600,752 923,424 14,644,336 346,227,015 30,424,941 571,180,876 289,058,137 108,506,951 0 204,040,729 51,273,783 152,766,945 -5,372,249 196,520,211 41,936,473 42,332,168 0 106,879,321 29,147,435 77,731,886 25,052,692 767,701,087 330,994,610 150,839,119 0 310,920,049 80,421,218 230,498,831 4,715,987 119,785,082 51,591,361 7,834,063 0 65,075,645 16,662,510 48,413,135 29,768,679 887,486,169 382,585,971 158,673,182 0 375,995,695 97,083,728 278,911,966 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 57 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 10. Sigorta ve Reasürans fiirketlerinin Özkaynaklar› (000 YTL) 10. Equity Capital of Insurance and Reinsurance Companies (000 TRY) ÖZKAYNAKLAR EQUITY CAPITAL 2002 Ödenmifl Sermaye 859.462 Paid-in Capital Sermaye Düzeltme Farklar› Capital Adjustment Differences Sermaye Yedekleri Capital Reserves Kanuni Yedek Akçe 68.242 Legal Reserve Fund Çeflitli Yedek Akçeler 158.409 Various Reserve Fund Finansal Varl›klar›n De¤erlemesi Valuation of Financial Assets Deprem Hasar Karfl›l›¤› * 214.521 Earthquake Loss Reserve* Yeniden De¤erleme Fonu 226.139 Revaluation Fund Geçmifl Y›l K/Z Fark› Profit&Loss for the Previos Period Bilanço Kar› 339.028 Profit for the Year Toplam / Total 1.865.800 % 46,06 2003 1.223.785 % 49,02 2004 1.483.886 % 50,64 2005 2006 % % 2.430.034 42,51 2.859.906 47,03 1.090.569 19,08 622.980 10,25 119.109 2,08 53.631 0,88 3,66 96.224 3,85 122.768 4,19 342.412 5,99 278.185 4,57 8,49 285.111 11,42 369.375 12,60 615.598 10,77 688.291 11,32 1.239.493 21,68 1.177.529 19,36 11,50 295.356 11,83 378.259 12,91 402.800 7,05 501.042 8,24 12,12 242.031 9,69 197.845 6,75 - - - 0,00 - 909.372 - 15,91 - 379.689 -6,24 18,17 354.242 14,19 378.362 12,91 385.336 6,74 278.912 4,59 100,00 2.496.749 100,00 2.930.495 100,00 5.715.979 100,00 6.080.788 100,00 * 23.03.2006 Tarih ve 26117 say›l› resmi gazetede yay›nlanan Sigorta, Reasürans ile Emeklilik flirketlerinin Sermaye Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine iliflkin yönetmeli¤in 4’üncü maddesine göre Deprem Hasar karfl›l›¤› Özkaynaklar içerisinde yer al›rken Sigortac›l›k Hesap Plan›na göre di¤er teknik karfl›l›klar içerisindedir. * According to the Article 4 of the Regulation on Measurement and Evaluation of the Capitalization of Insurance and Reinsurance and Pension Companies published in Official Gazette dated 23.03.2006, numbered 26117 , Earthquake Loss Reserve is included in Equity Capital while in Uniform Chart of Account, it is included in technical provisions. 11. Sigorta fiirketlerinin Alacaklar› (Hayat Dahil) (000 YTL) Alacaklar Receivables 2002 Sigortal›lar 328.188 Insureds ‹stihsal Organlar› 646.665 Intermediaries Di¤er 77.896 Others Toplam Alacaklar 1.052.750 Total Receivables Toplam Prim 3.718.520 Total Premium Toplam Alacaklar / Toplam Prim 28,31 Total Receivables/Total Premium 11. Receivables of Insurance Companies (Including Life) (000 TRY) % 2003 % 2004 % 2005 % 2006 31,17 359.612 26,16 385.370 21,29 291.938 9,95 354.207 61,43 930.926 67,71 1.286.429 71,07 1.712.636 58,35 2.080.860 69.69 7,40 84.238 6,13 138.209 7,64 930.297 31,70 550.842 18.45 100,00 1.374.776 100,00 1.810.008 100,00 2.934.870 100,00 2.985.909 * 100.00 5.088.125 6.785.793 7.816.434 9.667.541 27,02 26,67 37,55 30.89 * “Emeklilik Faaliyetlerinden Alacaklar” alt›nda yer alan “Saklay›c› flirketten Alacaklar” hesaplar›, emanet hesap niteli¤inde oldu¤undan rakamlara dahil edilmemifltir. * “Receivables From Trustee Company” under the account “Receivables From Pension Activities” is not included. 58 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY % 11.86 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 12. Sigorta fiirketlerinin Toplam Prim – Genel Gider Teknik Kar ve Bilanço Kar› ‹liflkisi (000 YTL) 12. Relations Between Total Premiums – General Expenditures Technical Profit – Balance Sheet Profit (000 TRY) Genel Giderler General Expenditures Toplam Prim Total Premium Teknik Kar Technical Profit Bilanço Kar› Balance Sheet Profit Genel Gider / Toplam Prim (%) General Expenditures / Total Premium (%) Teknik Kar / Bilanço Kar› (%) Technical Profit / Balance sheet Profit (%) Teknik Kar / Toplam Prim /%) Technical Profit / Total Premium (%) TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2002 2003 2004 2005 2006 458.263 573.319 705.649 962.127 1.049.22 3.718.520 5.088.125 6.785.793 7.816.434 9.667.541 443.859 391.961 659.783 155.652 25.053 317.531 354.272 378.362 348.415 230.499 12,32 11,27 10,40 12,31 10.99 139,78 110,64 174,38 44,67 8.98 11,94 7,70 9,72 1,99 0.26 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 59 TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 13. 31.12.2006 ‹tibar› ile fiirketlere ve Branfllara Göre Prim Gelirleri (000 YTL) 13. Premium Income by Company and Branch as of 31.12.2006 (000 TRY) fiirket Ad› Name of Company Ac›badem Sagl›k ve Hayat Aig Ak Emeklilik Aksigorta American Life Anadolu Anadolu Hayat Emeklilik Ankara Ankara Emeklilik Aviva Aviva Hayat ve Emeklilik Axa Oyak Axa Oyak Hayat Baflak Groupama Baflak Groupama Emeklilik Bat› Birlik Birlik Hayat Demir Demir Hayat New Life Yaflam Fortis Emeklilik ve Hayat Finans Garanti Garanti Emeklilik Genel Yasam Generali Global Hayat Günefl Güven Güven Hayat Hür Inter Ifl›k HDI Ergo Isviçre Ergo Isviçre Hayat Koç Allianz Koç Allianz Hayat ve Emeklilik Magdeburger Merkez Ray Rumeli Rumeli Hayat fieker T.Genel T.Nippon Teb Ticaret Toprak Vak›f Emeklilik Yap› Kredi Yap› Kredi Emeklilik Toplam / Total Milli Reasurans Genel Toplam / General Total 60 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Yang›n Fire 14,413 129,272 226,935 30,158 58,351 223,775 88,745 1 19,970 41,936 82,591 19,558 110,537 22,394 2,945 20,120 9,558 85,692 160,010 0 44,000 12,430 53,533 36,511 204 395 89,309 1,583,343 225,345 1,808,688 Nakliyat Marine 17,422 23,381 52,585 3,081 10,790 32,205 20,849 4 931 6,558 24,244 4,115 20,723 4,613 224 2,128 1,712 30,916 35,549 0 17,337 1,056 12,698 9,588 51 38 13,460 346,257 38,213 384,470 Kaza Accident 18,622 303,592 450,443 85,353 57,969 443,717 164,120 0 60,330 81,010 144,191 25,952 179,076 75,262 9,265 30,564 58,479 214,013 236,896 0 120,256 62,733 77,708 35,027 34 1,983 162,092 3,098,688 266,355 3,365,043 Mühendislik Engineering 5,835 25,748 52,312 7,453 15,427 36,823 23,696 15 4,017 17,664 38,572 2,389 38,615 2,718 153 5,249 3,641 14,384 39,476 0 18,348 7,013 31,589 15,484 80 24 23,958 430,684 64,376 495,060 Tar›m Agriculture 2,486 473 2,362 756 16,980 240 2,178 17,386 20 14 4,464 2,328 118 3,971 191 5 393 54,365 2,382 56,747 Sa¤l›k Health 54,605 4,537 60,720 15,240 119,812 1,381 1,597 49,498 55,407 0 1,088 20,562 19,365 58,245 135 769 28,016 5,193 822 1,762 39,624 196,686 0 383 181 13,664 5,504 29 229,211 984,034 120,465 1,104,499 Hukuksal Koruma Legal Protection 6,539 2,047 3,939 803 3,646 1,320 421 355 362 1,414 12 18 1,669 2,293 1,307 285 0 724 27,152 272 27,424 ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY TÜRK S‹GORTA SEKTÖRÜNÜN ‹STAT‹ST‹K‹ TABLOLARI STATISTICAL TABLES OF THE TURKISH INSURANCE SECTOR 13. 31.12.2006 ‹tibar› ile fiirketlere ve Branfllara Göre Primler (000 YTL) 13. Premium Income by Company and Branch as of 31.12.2006 (000 TRY) Ferdi Kaza Personal Accident 433 49,673 677 14,018 9,144 35,616 250 5,820 269 2,568 18,142 7,145 8,178 778 0 3,049 28 990 390 18,221 30,473 3 174 1,451 76 8,523 3,081 500 586 2,727 1,438 11,834 702 26,566 540 0 5,201 20 6,528 4,641 9,423 7 Kredi Credit 59 577 1 5,919 106 1,655 2 0 69 - KMA Mali Sorumluluk Motor Vehicles TPL 5,095 105,909 117,468 58,569 38,890 184,098 73,851 2 23,117 47,214 17,629 15,162 123,232 68,203 34,979 23,746 39,066 163,408 77,721 0 55,774 38,625 73,393 3,893 15 2,141 Hayat D›fl› Toplam Non-Life Total 55,038 122,195 677 667,171 24,384 1,060,160 250 194,978 269 183,995 944,759 56,644 453,146 778 21 112,503 28 21,551 390 213,024 363,579 3 58,419 69,123 845 512,419 193,658 5,692 48,153 85,388 115,689 526,380 40,325 779,181 540 0 262,726 20 132,538 267,417 115,715 425 Hayat Life 9,348 60,641 1,554 58,783 340,536 10,292 131,471 70,572 183,573 33,490 7,293 25,470 98,600 23,816 7 2,396 874 16,329 24,342 87,362 1,053 648 - 4,649 - Genel Toplam General Total 64,386 122,195 61,318 668,725 83,168 1,060,160 340,787 194,978 10,561 183,995 131,471 944,759 127,215 453,146 184,351 21 112,503 33,518 28,844 25,860 213,024 363,579 98,603 82,235 69,131 3,241 513,293 193,658 22,021 48,153 85,388 115,689 526,380 64,668 779,181 87,902 0 262,726 1,072 133,186 267,417 115,715 425 4,649 593 - - 593 85,506 86,100 8,327 - 57,984 585,459 - 585,459 840 299,710 9,139 308,850 8,321 42 8,364 1,449,185 110,754 1,559,939 840 8,281,739 837,345 9,119,084 111,845 1,385,801 16,084 1,401,885 112,685 9,667,541 853,429 10,520,970 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 61 62 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY YASAL DÜZENLEMELER VE AVRUPA B‹RL‹⁄‹ MEVZUATINA UYUM ÇALIfiMALARI TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ LEGISLATION AND HARMONIZATION WITH THE ACQUIS COMMUNAUTAIRE ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 63 1. MEVZUATA ‹L‹fiK‹N ÇALIfiMALAR 1. ACTIVITIES IN THE LEGISLATIVE FIELD 1.1. S‹GORTACILIK KANUNU TASARISI 1.1. DRAFT INSURANCE LAW 2006 y›l›nda Birli¤in yasal düzenlemelere iliflkin çal›flmalar› artarak devam etmifltir. Bilindi¤i üzere 01.06.1994 tarih ve 3991 say›l› Yetki Yasas›na dayan›larak ç›kar›lan ve 7397 say›l› Sigorta Murakabe Kanunu’nda de¤ifliklik yapan 539 say›l› KHK’nin mezkur yetki yasas›n›n 29.10.1994 gün ve 1994/68–80 say›l› Anayasa Mahkemesi karar›yla iptal edilmesi sonucunda ortaya ç›kan boflluk halen giderilememifltir. Bu çerçevede uzun zamandan beri üzerinde çal›fl›lan Sigortac›l›k Kanunu Tasar›s›’na iliflkin çal›flmalar, geçti¤imiz y›l da sürdürülmüfltür. Esas komisyon olan ve ilgili çal›flmalar›na Birli¤imizin de kat›ld›¤› TBMM Sanayi, Ticaret, Enerji, Tabii Kaynaklar, Bilgi ve Teknoloji Komisyonu Tasar›ya iliflkin çal›flmalar›n› 27.02.2007 tarihinde tamamlam›flt›r. Tasar› halen TBMM Genel Kurul gündeminde bulunmaktad›r. Efforts of the Association relating to legal regulations increasingly continued in 2006. The loophole that occurred when the Authority Code dated 1 June 1994 and Number 3991 which allowed the issuance of Decree Law Number 539 amending the Insurance Supervision Law Number 7397 was revoked by the Constitutional Court with the decision dated 29.10.1994 and number 1994/68–80 has not yet been filled. Within this framework, the efforts relating to the Draft Insurance Code, which we have been working on for a long period of time and which has not been enacted yet continued during the previous year. The principal commission of TBMM (Turkish Grand National Assembly) the Industry, Trade, Energy, Natural Resources, Information and Technology Commission, inwhich the Association took part in relevant efforts, completed its work relating to the Draft on 27.02.2007. The draft is still on agenda of TBMM General Assembly. 1.2. TÜRK T‹CARET KANUNU TASARISI Avrupa Birli¤i’ne uyum ve de¤iflen ihtiyaçlar göz önüne al›narak haz›rlanan ve alt›nc› kitab› “Sigorta Hukuku” bafll›¤›n› tafl›yan, Türk Ticaret Kanunu Tasar›s›’na iliflkin çal›flmalar geçti¤imiz y›l içinde de sürdürülmüfltür. Tasar›n›n, 09.11.2005 tarihinde TBMM Baflkanl›¤›na sunulmas›n›n ard›ndan, esas komisyon olan Adalet Komisyonu bünyesinde oluflturulan alt komisyon 40’tan fazla toplant› gerçeklefltirerek bir rapor haz›rlam›flt›r. Daha sonra Tasar›, Adalet Komisyonunda ele al›nm›fl ve Komisyon çal›flmalar› 18.04.2007 tarihinde gerçeklefltirilen toplant› ile tamamlanm›flt›r. Adalet Komisyonu taraf›ndan gerçeklefltirilen çal›flmalara Birli¤imiz de kat›l›m sa¤lam›flt›r. Komisyonun raporunu sunmas›n› takiben, Tasar›n›n TBMM Genel Kurulu’na sevk edilmesi beklenmektedir. 1.3. KURUMLAR VERG‹S‹ KANUNU Yeni Kurumlar Vergisi Kanunu, 21.06.2006 tarih ve 26205 say›l› Resmi Gazete’de yay›mlanm›flt›r. Kanunun “‹ndirilecek giderler” bafll›kl› 8 inci maddesi sigorta teknik karfl›l›klar›n›n kurum kazanc›n›n tespitinde has›lattan indirimine, “Yurt içinde kesilen vergilerin mahsubu” bafll›kl› 34 üncü maddesi ise hayat sigorta flirketlerinde matematik karfl›l›klar›n yat›r›ma yönlendirilmesinden elde edilen kazanç ve iratlar üzerinden yap›lan kesintilerin kurumlar vergisinden mahsubuna iliflkin düzenlemeler getirmektedir. 1.4. KONUT F‹NANSMANI KANUNU 1.2. DRAFT TURKISH COMMERCIAL CODE Efforts relating to Turkish Commercial Code Draft prepared taking into account the harmonization with EU and the changing needs and the sixth book of which has the title of “Insurance Law” has been continued last year. After the draft has been submitted to the Chairmanship of TBMM on 09.11.2005, the sub-commission constituted within the structure of the principal commission, Commission of Justice, met for more than 40 times and prepared a report. Then the Draft was discussed in the Commission of Justice which completed its work with the meeting held on 18.04.2007. The Association contributed to the efforts of the Commission of Justice. It is anticipated that the Draft shall be submitted to TBMM General Assembly following the preparation of final report by the Commission. 1.3. CORPORATE TAX LAW The new Corporate Tax Law was published on the Official Gazette dated 21.06.2006 and number 26205. Article 8 of the Law “Incomes to be deducted” provides arrangements relating to the deduction of the technical provisions for insurance from the proceeds during the definition of the earnings of the corporation whereas the article 34 “Offset of the taxes deducted domestically” provides arrangements relating to the setting off the deductions made over the earnings and revenues obtained from directing the mathematical provisions to the investment from the corporate tax. Konut Finansman› Sistemine ‹liflkin Çeflitli Kanunlarda De¤ifliklik Yap›lmas› Hakk›nda Kanun, 21.02.2007 tarihinde TBMM Genel Kurulunda kabul edilmifl ve 06.03.2007 tarih ve 26454 say›l› Resmi Gazete’de yay›mlanm›flt›r. Birli¤imiz, söz konusu Kanuna iliflkin olarak TBMM Plan ve Bütçe Komisyonu ve bu Komisyon bünyesinde oluflturulan Konut Finansman› Kanunu Tasar›s› Alt Komisyonu toplant›lar›na aktif olarak kat›l›m sa¤lam›flt›r. Birli¤imizin görüfllerine paralel flekilde sigortaya iliflkin olarak, ilgili Kanun’un, 2499 say›l› Kanunun 38 inci maddesinde de¤ifliklik yapan 12 nci maddesinde, “Hazine Müsteflarl›¤› konut finansman›na iliflkin sigorta sözleflmeleri ile ilgili usûl ve esaslar› Türkiye Sigorta ve Reasürans fiirketleri Birli¤i'nin, Sanayi ve Ticaret Bakanl›¤› ise konut finansman› kapsam›ndaki kredilerin yeniden finansman›na iliflkin usûl ve esaslar› Türkiye Bankalar Birli¤inin görüfllerini alarak belirlemeye yetkilidir” hükmü yer almaktad›r. Kanun’un 6802 say›l› Kanunda de¤ifliklik yapan 30 uncu maddesi ise “Sermaye Piyasas› Kanununun 38/A maddesinin birinci f›kras›nda tan›mlanan konut finansman› kapsam›nda yap›lan sigortalarda sözleflme ve poliçe üzerinden al›nan paralar”›n BSMV kapsam› d›fl›nda tutuldu¤unu düzenlemektedir. 1.4. LAW ON HOUSING FINANCE (MORTGAGE) 64 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY The Law on Amendment of Several Laws relating to the Housing Finance System was approved in TBMM General Assembly on 21.02.2007, and published on the Official Gazette dated 06.03.2007 and number 26454. The Association actively took part in the meetings of Sub-commission of the Law on Housing Finance constituted within the structure of TBMM Planning and Budget Commission with regard to the said law. In article 12 of the said law amending article 38 of the Law number 2499 it is provided “That Undersecretariat of Treasury shall be entitled to define the rules and procedures relating to the insurance agreements on housing finance by consulting to the Association of the Insurance and Reinsurance Companies of Turkey whereas the Ministry of Industry and Finance shall be entitled to define the rules and procedures relating to re-financing of the loans covered by housing finance by consulting to the Banks Association of Turkey. Article 30 of the Law amending the Law number 6802 regulates the exclusion of the premiums received over the agreement and policy relating to the insurance provided within the scope of housing finance defined in the first paragraph of article 38/A of the Capital Market Board from the scope of BSMV (Banking Insurance Transaction Tax). 1. MEVZUATA ‹L‹fiK‹N ÇALIfiMALAR 1. ACTIVITIES IN THE LEGISLATIVE FIELD 1.5. SOSYAL S‹GORTALAR VE GENEL SA⁄LIK S‹GORTASI KANUNU 1.5. SOCIAL SECURITY AND GENERAL HEALTH INSURANCE LAW Sosyal güvenlik reformu çerçevesinde geçti¤imiz y›llarda yürütülen çal›flmalar 2006 y›l› içerisinde sonuçlanm›fl ve 5510 say›l› Sosyal Sigortalar ve Genel Sa¤l›k Sigortas› Kanunu 31.05.2006 tarihinde kabul edilmifltir. 01.01.2007 tarihinde yürürlü¤e girmesi planlanan Kanunun baz› maddelerinin iptali için Anayasa Mahkemesi’ne baflvuruldu¤undan yürürlük tarihi 01.07.2007 olarak de¤ifltirilmifltir. Efforts exerted during previous years within the framework of social security reform were concluded in 2006, and the Social Security and General Health Insurance Law number 5510 was approved on 31.05.2006. Since an application was made to the Constitutional Court for the cancellation of some articles of the Law which was planned to enter into effect on 01.01.2007, the effective date was changed into 01.07.2007. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 65 2. D‹⁄ER MEVZUAT GEL‹fiMELER‹ 2. OTHER LEGISLATIVE DEVELOPMENTS 2.1. Kanunlar 2.1. Laws 2872 say›l› Çevre Kanunu’nda de¤ifliklik yapan, 5491 say›l›, “Çevre Kanununda De¤ifliklik Yap›lmas›na Dair Kanun”, 13.05.2006 tarih ve 26167 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir. ‹lgili Kanun’un 10uncu, 14üncü ve Geçici 1inci maddeleri zorunlu sigortaya iliflkin düzenlemeler ihtiva etmektedir. “Law on Amendment of the Environmental Law” number 5491 amending the Environmental Law number 2872 was published on the Official Gazette dated 13.05.2006 and number 26167 and entered into effect. Article 10, 14 and Provisional Article 1 of the said Law include provisions relating to compulsory insurance. Fikir ve Sanat Eserleri Kanunu, Seyahat Acentalar› ve Seyahat Acentalar› Birli¤i Kanunu ‹le Turizmi Teflvik Kanunu ve Baz› Kanunlarda De¤ifliklik Yap›lmas›na Dair Kanun, 13.01.2007 tarih ve 26402 say›l› Resmi Gazete’de yay›mlanm›flt›r. Kanunun yay›m›ndan 3 ay sonra yürürlü¤e girecek olan 7nci maddesi ile "Seyahat Acentalar› ve Seyahat Acentalar› Birli¤i Kanunu"nda de¤ifliklik yap›larak, zorunlu bir paket tur sigortas› ihdas edilmifltir. The Law on Amendment of Intellectual and Artistic Works Law, Law on Travel Agencies and Society of Travel Agencies, and Law on Encouraging Tourism, and Some Laws were published on the Official Gazette dated 13.01.2007 and number 26402. By the amendment of the “Law on Travel Agencies and Society of Travel Agencies” with article 7 that shall enter into effect 3 months after the publication of the Law (a compulsory package tour insurance is imposed.) 2.2. Bakanlar Kurulu Kararlar› Tar›m Sigortalar› Havuzu taraf›ndan kapsama al›nacak riskler, ürünler ve bölgeler ile prim deste¤i oranlar›na iliflkin 2006/10105 say›l› Bakanlar Kurulu Karar›, 28.02.2006 tarih ve 26094 say›l› Resmi Gazete’de yay›mlanm›flt›r. Tar›m Sigortalar› Havuzuna Devlet Taraf›ndan Taahhüt Edilecek Hasar Fazlas› Deste¤ine ‹liflkin Karar, 19.10.2006 tarih ve 26324 say›l› Resmi Gazete’de yay›mlanm›flt›r. Tar›m Sigortalar› Havuzu Taraf›ndan Kapsama Al›nacak Riskler, Ürünler ve Bölgeler ile Prim Deste¤i Oranlar›na ‹liflkin Karar, 05.01.2007 tarih ve 26394 say›l› Resmi Gazete’de yay›mlanm›flt›r. Tar›m Sigortalar› Havuzuna Devlet Taraf›ndan Taahhüt Edilecek Hasar Fazlas› Deste¤ine ‹liflkin Karar, 5.3.2007 tarih ve 26484 say›l› Resmi Gazete’de yay›mlanm›flt›r. 2.3. Yönetmelikler Sigorta ve Reasürans fiirketleri ile Bireysel Emeklilik fiirketlerinin Sermaye Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine ‹liflkin Yönetmelik, 23.03.2006 tarih ve 26117 say›l› Resmi Gazete’de yay›mlanm›flt›r. Sigorta ve Reasürans fiirketlerinin Çal›flma Esas ve Usulleri Hakk›nda Yönetmeli¤in 34üncü Maddesinde De¤ifliklik Yapan Yönetmelik 18.04.2006 tarih ve 26143 say›l› Resmi Gazete’de yay›mlanm›flt›r. Sigorta ve Reasürans Brokerleri Yönetmeli¤inde De¤ifliklik Yap›lmas› Hakk›nda Yönetmelik, 27.04.2006 tarih ve 26151 say›l› Resmi Gazete'de yay›mlanm›flt›r. Türkiye Motorlu Tafl›t Bürosunun Çal›flma Esas ve Usulleri Hakk›nda Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik, 05.05.2006 tarih ve 26159 say›l› Resmi Gazete’de yay›mlanm›flt›r. Karayolu Trafik Garanti Sigortas› Hesab› Yönetmeli¤inde De¤ifliklik Yap›lmas›na Dair Yönetmelik, 23.09.2006 tarih ve 26298 say›l› Resmî Gazete’de yay›mlanm›flt›r. 66 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2.2. Council of Ministers’ Resolutions Council of Ministers’ Resolution number 2006/10105 on the risks, products, and regions to be covered by the Agricultural Insurance Pool and the premium support rates was published on the Official Gazette dated 28.02.2006 and number 26094. Resolution on the Excess of Loss Support to be Undertaken by the Government for the Agricultural Insurance Pool was published on the Official Gazette dated 19.10.2006 and number 26324. Resolution on Risks, Products, and Regions to be Covered by the Agricultural Insurance Pool and the Premium Support rates was published on the Official Gazette dated 05.01.2007 and number 26394. Resolution on the Excess of Loss Support to be Undertaken by the Government for the Agricultural Insurance Pool was published on the Official Gazette dated 5.3.2007 and number 26484. 2.3. Regulations Regulation on the Measurement and Assessment of the Capital Requirements of the Insurance and Reinsurance Companies and Private Pension Companies was published on the Official Gazette dated 23.03.2006 and number 26117. Regulation amending Article 34 of the Regulation on the Working Rules and Principles of Insurance and Reinsurance Companies was published on the Official Gazette dated 18.04.2006 and number 26143. Regulation on the Amendment of the Regulation on Insurance and Reinsurance Brokers was published on the Official Gazette dated 27.04.2006 and number 26151. Regulation on the Amendment of the Regulation on the Working Rules and Principles of Turkish Motor Insurance Bureau was published on the Official Gazette dated 05.05.2006 and number 26159. Regulation on the Amendment of the Regulation on the Highway Traffic Guarantee Insurance Account was published on the Official Gazette dated 23.09.2006 and number 26298. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2. D‹⁄ER MEVZUAT GEL‹fiMELER‹ 2. OTHER LEGISLATIVE DEVELOPMENTS F›nd›k Lisansl› Depo Yönetmeli¤i, 02.08.2006 tarih ve 26247 say›l› Resmi Gazete’de yay›mlanm›flt›r. Yönetmeli¤in 20nci maddesi ile lisansl› depo iflleticilerine çeflitli risklere karfl› sigorta yapt›rma zorunlulu¤u getirilmektedir. Regulation on the Warehouses with Hazelnut License was published on the Official Gazette dated 02.08.2006 and number 26247. Under article 20 of the Regulation it is provided that licensed warehouse operators shall be obliged to have an insurance against several risks. Deniz Çevresinin Petrol ve Di¤er Zararl› Maddelerle Kirlenmesinde Acil Durumlarda Müdahale ve Zararlar›n Tazmini Esaslar›na Dair Kanunun Uygulama Yönetmeli¤i, 21.10.2006 tarih ve 26326 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmeli¤in 41inci maddesinde k›y› tesislerinin mali sorumluluk garantilerine iliflkin düzenlemeye yer verilmektedir. Regulation on the Implementation of the Law on Principles of Emergency Response and Indemnification of Losses in case of Pollution of the Sea Surrounding due to Petroleum and Other Hazardous Substances was published on the Official Gazette dated 21.10.2006 and number 26326. Article 41 of the said Regulation regulates financial liability guarantees of coastal facilities. Finansal Holding fiirketleri Hakk›nda Yönetmelik, 01.11.2006 tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer verilmektedir. Regulation on the Financial Holding Companies was published on the Official Gazette dated 01.11.2006 and number 26333. The said Regulation includes provisions relating to professional liability insurance upon article 36 of the Banking Law. Bankalar›n Destek Hizmeti Almalar›na ve Bu Hizmeti Verecek Kurulufllar›n Yetkilendirilmesine ‹liflkin Yönetmelik, 01.11.2006 tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer verilmektedir. Regulation on the Banks’ obtaining Outsourcing Services and Authorization of the Enterprises which Provide such Services was published on the Official Gazette dated 01.11.2006 and number 26333. The said Regulation has provisions relating to professional liability insurance upon article 36 of the Banking Law. Derecelendirme Kurulufllar›n›n Yetkilendirilmesine ve Faaliyetlerine ‹liflkin Esaslar Hakk›nda Yönetmelik, 01.11.2006 tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer verilmektedir. Bankalarda Ba¤›ms›z Denetim Gerçeklefltirecek Kurulufllar›n Yetkilendirilmesi ve Faaliyetleri Hakk›nda Yönetmelik, 01.11.2006 tarih ve 26333 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmelikte Bankac›l›k Kanunu’nun 36nc› maddesine istinaden mesleki sorumluluk sigortas›na iliflkin düzenlemelere yer verilmektedir. Türkiye Cumhuriyeti S›n›rlar› ‹çinde ‹nifl veya Kalk›fl Yapan Türk ve Yabanc› Sivil Hava Araçlar› Mali Mesuliyet Sigortas› Hakk›nda Yönetmelik, 15.11.2006 tarih ve 26347 say›l› Resmi Gazete’de yay›mlanm›flt›r. Do¤al Afet Sigortalar› Kurumu Yönetim Kurulu Çal›flma Usul ve Esaslar› Hakk›nda Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik, 29.11.2006 tarih ve 26361 say›l› Resmi Gazete’de yay›mlanm›flt›r. Sigorta Sözleflmelerinde Bilgilendirmeye ‹liflkin Yönetmelik 28.11.2006 tarih ve 26360 say›l› Resmi Gazete’de yay›mlanm›flt›r. ‹lgili Yönetmeli¤in 13üncü maddesinin (4) numaral› f›kras› 1.12.2007 tarihinde, di¤er maddeleri ise 1.6.2007 tarihinde yürürlü¤e girecektir. Tar›m Sigortalar› Uygulama Yönetmeli¤inde De¤ifliklik Yap›lmas›na Dair Yönetmelik, 22.09.2006 tarih ve 26297 say›l› Resmi Gazete’de yay›mlanm›flt›r. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Regulation on the Authorization and Activities of Ranking Agencies was published on the Official Gazette dated 01.11.2006 and number 26333. The said Regulation includes provisions relating to professional liability insurance upon article 36 of the Banking Law. Regulation on the Authorization and Activities of the Auditing Firms which perform inspections independently in the Banks was published on the Official Gazette dated 01.11.2006 and number 26333. The said Regulation has provisions relating to professional liability insurance upon article 36 of the Banking Law. Regulation on the Financial Liability Insurance for Turkish and Foreign Civil Aircrafts Landing or Taking off within the borders of the Republic of Turkey was published on the Official Gazette dated 15.11.2006 and number 26347. Regulation on the Amendment of the Regulation on the Working Rules and Principles of the Board of Turkish Catastrophe Insurance Pool was published on the Official Gazette dated 29.11.2006 and number 26361. Regulation on the Information in the Insurance Contracts was published on the Official Gazette dated 28.11.2006 and number 26360. Item (4) of article 13 of the said Regulation shall enter into force on 01.12.2007 whereas the other articles shall enter into force on 01.06.2007. Regulation on the Amendment of the Regulation on Implementation of Agricultural Insurance was published on the Official Gazette dated 22.09.2006 and number 26297. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 67 2. D‹⁄ER MEVZUAT GEL‹fiMELER‹ 2. OTHER LEGISLATIVE DEVELOPMENTS Tar›m Sigortalar› Havuzu Çal›flma Usul ve Esaslar› Hakk›nda Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik 22.09.2006 tarih ve 26297 say›l› Resmi Gazete’de yay›mlanm›flt›r. Regulation on the Amendment of the Regulation on the Working Rules and Principles of Agricultural Insurance Pool was published on the Official Gazette dated 22.09.2006 and number 26297. Tar›m Sigortalar› Uygulama Yönetmeli¤inde De¤ifliklik Yap›lmas›na Dair Yönetmelik, 02.02.2007 tarih ve 26422 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir. Regulation on the Amendment of the Regulation on the Implementation of Agricultural Insurance entered into force having been published on the Official Gazette dated 02.02.2007 and number 26422. Trafik Sigortalar› Bilgi Merkezi Yönetmeli¤i, 11.4.2007 tarih ve 26490 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir. Yönetmelik ile 16.12.2003 tarih ve 25318 say›l› Resmi Gazete’de yay›mlanan Trafik Sigortas› Bilgi Merkezi Yönetmeli¤i yürürlükten kald›r›lm›flt›r. 2.4. Tebli¤ler Sigorta Sözleflmelerine ‹liflkin Türkiye Finansal Raporlama Standard› (TFRS 4) Hakk›nda Tebli¤, Türkiye Muhasebe Standartlar› Kurulu (TMSK) taraf›ndan, 25.03.2006 tarih ve 26119 say›l› Resmi Gazete’de yay›mlanm›flt›r. Muhtelif Mali Zararlar Sigortas› Branfl› tesis edilmesine iliflkin tebli¤, 07.09.2006 tarih ve 26282 say›l› Resmi Gazete’de yay›mlanarak 01.10.2006 tarihinde yürürlü¤e girmifltir. Destek Sigortas› Branfl› tesis edilmesine iliflkin tebli¤, 07.09.2006 tarih ve 26282 say›l› Resmi Gazete’de yay›mlanarak 01.10.2006 tarihinde yürürlü¤e girmifltir. Kamu ‹hale Genel Tebli¤inde De¤ifliklik Yap›lmas›na Dair Tebli¤, 15.10.2006 tarih ve 26320 say›l› Resmi Gazete’de yay›mlanarak 18.10.2006 tarihinde yürürlü¤e girmifltir. Tebli¤’de özel güvenlik hizmet al›m› ihalelerindeki özel güvenlik mali sorumluluk sigortas› tekliflerine iliflkin düzenlemelere yer verilmektedir. 2.5. Genel fiartlar Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas›, Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas›, Özel Güvenlik Mali Sorumluluk Sigortas› Genel fiartlar› 11.02.2006 tarih ve 26077 say›l› Resmi Gazete’de yay›mlanm›flt›r. Seyahat Sa¤l›k Sigortas› Genel fiartlar› 01.03.2006 tarihinde yürürlü¤e girmifltir. Mesleki Sorumluluk Sigortas› Genel fiartlar›, 16.03.2006 tarih ve 26110 say›l› Resmi Gazete'de yay›mlanm›flt›r. Hazine Müsteflarl›¤›’ndan 14.09.2006 tarihinde al›nan yaz› çerçevesinde, Kara Tafl›tlar› Kasko Sigortas› Genel fiartlar›nda de¤ifliklik yap›lm›fl olup ilgili de¤ifliklikler 15.09.2006 tarihinden itibaren yürürlü¤e girmifltir. Mesleki Sorumluluk Sigortas› Genel fiartlar›na ba¤l› olarak verilmek üzere haz›rlanan Hekim Mesleki Sorumluluk Sigortas› Klozu, 21.09.2006 tarih ve 26296 say›l› Resmi Gazetede yay›mlanm›flt›r. 68 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Regulation on the Traffic Insurance Information Center entered into force having been published on the Official Gazette dated 11.4.2007 and number 26490. The Regulation replaced the Regulation on the Traffic Insurance Information Center published on the Official Gazette dated 16.12.2003 and number 25318. 2.4. Notices Notice on the Turkish Financial Reporting Standard (TFRS 4) relating to Insurance Contracts was published on the Official Gazette dated 25.03.2006 and number 26119 by TMSK (Turkish Accounting Standards Board). Notice on establishment of Various Financial Loss Insurance Branch entered into force on 01.10.2006 having been published on the Official Gazette dated 07.09.2006 and number 26282. Notice on establishment of Supporting Insurance Branch entered into force on 01.10.2006 having been published on the Official Gazette dated 07.09.2006 and number 26282. Notice on the Amendment of the General Notice on Public Procurement entered into force on 18.10.2006 having been published on the Official Gazette dated 15.10.2006 and number 26320. The Notice provides arrangements relating to private security financial liability insurance offerings in the tenders for purchase of private security services. 2.5. General Conditions General Conditions of Compulsory Motor Vehicles Liability Insurance, Compulsory Highway Transport Financial Liability Insurance, Private Security Financial Liability Insurance were published on the Official Gazette dated 11.02.2006 and number 26077. General Conditions of Travel Health Insurance entered into force on 01.03.2006. General Conditions of Professional Liability Insurance was published on the Official Gazette dated 16.03.2006 and number 26110. Within the framework of the correspondence delivered by the Undersecretariat of Treasury on 14.09.2006 the General Conditions of Casco Insurance were amended; the relevant amendments entered into force as of 15.09.2006. Medical Doctors Malpractice Clause prepared to be given in connection with the General Conditions of Professional Liability Insurance was published on the Official Gazette dated 21.09.2006 and number 26296. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2. D‹⁄ER MEVZUAT GEL‹fiMELER‹ 2. OTHER LEGISLATIVE DEVELOPMENTS Kara Tafl›tlar› Kasko Sigortas› Genel fiartlar›nda, Yang›n Sigortas› Genel fiartlar›nda 01.04.2007 tarihinden geçerli olmak üzere de¤ifliklik yap›lm›flt›r. General Conditions of Motor Vehicles Physical Damage Insurance and General Conditions of Fire Insurance were amended. These amendments will enter into force as of 1.4.2007. Y›ll›k Gelir Sigortas› Genel fiartlar›, Hazine Müsteflarl›¤› taraf›ndan, 01.10.2007 tarihinde yürürlü¤e girmek üzere yay›mlanm›flt›r. General Conditions of Annuity Insurance were published by the Undersecretariat of Treasury; the same will enter into force on 01.10.2007. 2.6. Tarife ve Talimatlar Özel Güvenlik Mali Sorumluluk Sigortas› Tarife ve Talimat› 29.03.2006 tarih ve 26123 say›l› Resmi Gazete'de yay›mlanm›flt›r. Karayollar› Motorlu Araçlar Zorunlu Mali Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir. Karayolu Yolcu Tafl›mac›l›¤› Zorunlu Koltuk Ferdi Kaza Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir. Zorunlu Karayolu Tafl›mac›l›k Mali Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir. Tehlikeli Maddeler Zorunlu Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir. Tüpgaz Zorunlu Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.12.2006 tarih ve 26382 say›l› Resmi Gazete’de yay›mlanarak 01.01.2007 tarihinde yürürlü¤e girmifltir. Zorunlu Deprem Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 20.02.2007 tarih ve 26440 say›l› Resmi Gazete’de yay›mlanarak 22.02.2007 tarihinde yürürlü¤e girmifltir. Özel Güvenlik Mali Sorumluluk Sigortas› Tarife ve Talimat›nda De¤ifliklik Yapan Tarife ve Talimat, 27.03.2007 Tarih ve 26475 Say›l› Resmî Gazete’de yay›mlanm›flt›r. 2.6. Tariffs and Instructions Private Security Financial Liability Insurance Tariffs and Instructions was published on the Official Gazette dated 29.03.2006 and number 26123. Tariffs and Instructions amending the Tariffs and Instructions on Motor Vehicles Compulsory Third Party Liability Insurance entered into force on 1.1.2007 having been published in the Official Gazette dated 20.12.2006 and number 26382. Tariffs and Instructions amending the Tariffs and Instructions on Compulsory Road Passenger Transportation Personal Accident Insurance entered into force on 1.1.2007 having been published in the Official Gazette dated 20.12.2006 and number 26382. Tariffs and Instructions amending the Tariffs and Instructions on Compulsory Third Party Liability Insurance for Road Passenger Transportation entered into force on 1.1.2007 having been published in the Official Gazette dated 20.12.2006 and number 26382. Tariffs and Instructions amending the Tariffs and Instructions on (Compulsory Third party Liability Insurance for Hazardous Substances) entered into force on 1.1.2007 having been published in the Official Gazette dated 20.12.2006 and number 26382. Tariffs and Instructions amending the Tariffs and Instructions on Compulsory Third party Liability Insurance for LPG entered into force on 1.1.2007 having been published in the Official Gazette dated 20.12.2006 and number 26382. Tariffs and Instructions amending the Tariffs and Instructions on Compulsory Earthquake Insurance entered into force on 22.02.2007 having been published in the Official Gazette dated 20.02.2007 and number 26440. Hazine Müsteflarl›¤›ndan al›nan 23.3.2007 tarih ve 13852 say›l› yaz› ile Yang›n ve Mühendislik sigortalar›na deprem teminat›n›n eklenmesi halinde uygulanacak tarifelerde 01.04.2007 tarihinden geçerli olmak üzere de¤ifliklik yap›lm›flt›r. Tariffs and Instructions amending the Tariffs and Instructions on Private Security Third Party Liability Insurance was published in the Official Gazette dated 27.03.2007 and number 26475. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY Upon the correspondence of the Undersecretariat of Treasury dated 23.03.2007 and number 13852 the tariffs to apply in the case of additional earthquake security to the Fire and Engineering insurances was amended; the same shall be effective as of 01.04.2007. 69 3. HAZ‹NE MÜSTEfiARLI⁄I’NA GÖRÜfi B‹LD‹R‹LEN BAfiLICA ÇALIfiMALAR 3. WORKS RELATED TO THE REGULATIONS OF THE UNDERSECRETARIAT OF TREASURY 3.1. Kanunlar 3.1. Laws Kurumlar Vergisi Kanunu’nun sigortaya iliflkin hükümlerine iliflkin Birlik görüflü. Association’s opinion relating to the provisions of the Corporate Tax Law on insurance 3.2. Yönetmelikler 3.2. Regulations Sigorta ve Reasürans fiirketlerinin Kurulufl ve Çal›flma Esaslar› Yönetmeli¤i’nin 27nci maddesinde gerekli de¤iflikli¤in yap›lmas›na iliflkin Birlik önerisi. Association’s proposal on the amendment of article 27 of the Regulation on Establishment and Working Principles of Insurance and Reassurance Companies as required, Sigorta ve Reasürans ile Emeklilik fiirketlerinin Sermaye Yeterliliklerinin Ölçülmesine ve De¤erlendirilmesine ‹liflkin Yönetmelik Tasla¤› hakk›ndaki Birlik görüflü. Association’s opinion relating to the Draft Regulation on Measurement and Assessment of Capital Requirements of Insurance and Reassurance and Pension Companies, Trafik Sigortalar› Bilgi Merkezi Yönetmeli¤i Tasla¤›na iliflkin Birlik görüflü. Association’s opinion relating to the Draft Regulation on Traffic Insurance Information Center, Türkiye Motorlu Tafl›t Bürosunun Çal›flma Esas ve Usulleri Hakk›nda Yönetmelikte De¤ifliklik Yap›lmas›na Dair Yönetmelik Tasla¤› hakk›ndaki Birlik görüflü. Association’s opinion relating to the Draft Regulation on Amendment of the Regulation on Working Rules and Principles of Turkish Motor Vehicle Office, Türkiye S›n›rlar› ‹çinde ‹nifl veya Kalk›fl Yapan Türk ve Yabanc› Sivil Hava Araçlar› Mali Mesuliyet Sigortas› Hakk›nda Yönetmelik Tasla¤› hakk›ndaki Birlik görüflü. Association’s opinion relating to the Draft Regulation on the Financial Liability Insurance for Turkish and Foreign Civil Aerial Vehicles Landing or Departing within the borders of the Republic of Turkey, Bankalarda Ba¤›ms›z Denetim Gerçeklefltirecek Kurulufllar›n Yetkilendirilmesi ve Faaliyetleri Hakk›ndaki Yönetmelik Tasla¤›na iliflkin Birlik görüflü. Association’s opinion relating to the Draft Regulation on the Authorization and Activities of the Establishments to perform Independent Audit in the Banks, Sigortal›lar› Bilgilendirme Yönetmeli¤i Tasla¤› ve Bilgilendirme Formuna iliflkin Birlik görüflü. Association’s opinion relating to the Draft Resolution on Information of the Insured and Information Form, Sigorta ve Reasürans fiirketlerinin Teknik Karfl›l›klar›na ve Bu Karfl›l›klar›n Yat›r›laca¤› Varl›klara ‹liflkin Yönetmelik Tasla¤›na iliflkin Birlik görüflü. Association’s opinion relating to the Draft Resolution on Technical Provisions of Insurance and Reassurance Companies and Assets such Provisions shall be invested on, Y›ll›k Gelir Sigortalar› Hakk›nda Yönetmelik Tasla¤›na iliflkin Birlik görüflü. Association’s opinion relating to the Draft Resolution on Annuity Certain. 3.3. Tebli¤ler 3.3. Notices Enerji Piyasas› Düzenleme Kurumu (EPDK) taraf›ndan haz›rlanan ve yürürlü¤e giren Petrol Piyasas›nda Petrol Yükümlülükleri Hakk›nda Tebli¤’in sigortac›l›¤› ilgilendiren maddeleri hakk›ndaki Birlik görüflü. Association’s opinion relating to the articles regarding underwriting business of the Notice on Obligations pertaining to Petroleum in the Petroleum Market which entered into effect as prepared by the Energy Market Regulatory Authority (EMRA), Sigorta ve Reasürans fiirketlerinin Mali Bünyelerine ve Sermaye Yeterliliklerine ‹liflkin Genelge ekinde yap›lan de¤iflikliklerle ilgili Birlik görüflü. 3.4. Genel fiartlar Özel güvenlik flirketi elemanlar›n›n görevlerini yerine getirmeleri s›ras›nda kusurlar› nedeniyle hizmet verilen iflyerlerinde meydana gelen zararlar›n Özel Güvenlik Mali Sorumluluk Sigortas› kapsam›nda tazmin edilip edilmeyece¤i hususundaki Birlik görüflü. Mesleki Sorumluluk Sigortas› Genel fiartlar› Tasar›s› hakk›ndaki Birlik görüflü. Baz› sigorta genel flartlar›nda de¤ifliklik yap›lmas›na iliflkin Birlik görüflü. 70 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Association’s opinion relating to the amendments made in the appendix of the Notice on Financial Structures and Capital Requirements of Insurance and Reassurance Companies. 3.4. General Conditions Association’s opinion relating to whether the damages occurred in the workplaces rendering service due to the negligence of the private security company’s personnel while performing their duties could be indemnified within the scope of the Private Security Financial Liability Insurance, Association’s opinion relating to Draft General Conditions of Professional Liability Insurance, Association’s opinion relating to amendment of some general conditions of insurance, ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3. HAZ‹NE MÜSTEfiARLI⁄I’NA GÖRÜfi B‹LD‹R‹LEN BAfiLICA ÇALIfiMALAR 3. WORKS RELATED TO THE REGULATIONS OF THE UNDERSECRETARIAT OF TREASURY Baz› genel flartlar›n ilgili maddelerine terörizm riski ve terörist sald›r›lar neticesinde meydana gelebilecek olan biyolojik ve/veya kimyasal zararlar›n teminat kapsam› d›fl›nda tutulmas› amac›yla yap›lacak de¤ifliklik hakk›ndaki Birlik görüflü. Association’s opinion relating to the amendment to be made in relevant articles of some general conditions for the purpose of excluding of any biological and/or chemical loss that may occur as a result of terrorism and terrorist attacks from the assurance coverage, K›y› Tesisleri Deniz Kirlili¤i Zorunlu Mali Sorumluluk Sigortas› Genel fiartlar› Tasla¤› hakk›ndaki Birlik görüflü. Association’s opinion relating to the Draft General Conditions of Coastal Facilities Sea Pollution Compulsory Financial Liability Insurance, Hekim Mesleki Sorumluluk Sigortas› Kloz Tasla¤›na iliflkin Birlik görüflü. Yang›na Ba¤l› Kar Kayb› Sigortas› Genel fiartlar›n›n revize edilmesine iliflkin Birlik önerisi. Yang›n Sigortas› ile birlikte verildi¤i takdirde poliçeye eklenecek klozlardan baz›lar›nda yap›lmas› düflünülen de¤iflikliklere iliflkin Birlik önerisi. ‹potekli Konut Kredi Ödeme Sigortas› Genel fiartlar› Tasla¤›na iliflkin Birlik görüflü. 3.5. Tarife ve Talimatlar Yang›n Sigortas›na Deprem ve Yanarda¤ Püskürmesi Teminat›n›n Eklenmesi Halinde Uygulanacak Tarife hakk›ndaki Birlik de¤ifliklik önerisi. Trafik Sigortas› Tarifesine iliflkin Birlik görüflleri. 3.6. Di¤er Avrasya Sigortac›lar Birli¤i Ana Sözleflmesi tasla¤›na iliflkin Birlik görüflü. Hayat Sigortalar›nda mevzuat düzenlemeleri, vergi uygulamalar› ve yaflanan sorunlara iliflkin Birlik görüflleri. Zorunlu Deprem Sigortas› Tarife ve Talimat›nda belirtilen teflvik komisyonu uygulamas›na banka flubelerinin de dahil edilip edilmeyece¤ine iliflkin Birlik görüflü. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Association’s opinion relating to the Draft Medical Doctors Malpractice Clause for Professional Liability Insurance, Association’s opinion relating to the revision of the General Conditions of Fire-related Loss of Profit Insurance, Association’s opinion relating to the amendments considered to be made in some of the clauses to be added to the policy in case it is given along with the Fire Insurance, Association’s opinion relating to the Draft General Conditions of Mortgage Payment Protection Insurance. 3.5. Tariffs and Instructions Association’s proposal for amendment relating to the Tariff to apply in case of the addition of the Earthquake and Volcano Eruption Coverage to the Fire Insurance, Association’s opinions relating to the Traffic Insurance Tariff. 3.6. Miscellaneous Association’s opinion relating to the draft Charter of Eurasian Insurers Association, Association’s opinions relating to the legal regulations, tax practices and problems faced within Life Insurances, Association’s opinion relating to whether the bank branches shall be included in the incentive commission practice specified in the Tariffs and Instructions on Compulsory Earthquake Insurance. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 71 4. D‹⁄ER ÇALIfiMALAR 4. OTHER WORKS 4.1. Sigortac›l›k Etik ‹lkeleri 4.1. Code of Ethics for the Insurance Sector Birli¤imiz taraf›ndan 2006 y›l›nda sürdürülen çal›flmalar sonucunda haz›rlanan sigorta ve reasürans flirketlerinin, müflterileri, çal›flanlar›, arac›lar›, kamu kurum ve kurulufllar› ile olan iliflkilerinde ve kendi aralar›ndaki iliflkilerde izleyecekleri etik ilkeleri belirlemek ve bu ilkeler çerçevesinde sektöre yönelik mevcut kamuoyu güvenini daha da artt›rmay› amaçlayan “Sigortac›l›k Etik ‹lkeleri”, Yönetim Kurulumuzun 18 Ocak 2007 tarihli toplant›s›nda alm›fl oldu¤u karar ile kabul edilerek üyelerimizle paylafl›lm›fl ve üyelerimizden söz konusu ilkelere uyum konusunda gerekli özeni göstermeleri istenmifltir. A Code of Ethics was prepared as a result of the works carried out by the Association in 2006. The Code defines the ethical principles that the insurance and reinsurance companies shall follow in respect with their relationships with their clients, personnel, intermediaries, public authorities and one another. The main aim of the Code is to increase current public confidence to the insurance sector in general. The Code was approved by the resolution adopted in the Board of Directors’ meeting of the Association dated 18/01/2007 and the members were asked to take care to act according to the said Code. 4.2. Mortgage ve Mortgage Sigorta Ürünlerine ‹liflkin Çal›flmalar 4.2. Works relating to Mortgage and Mortgage Insurance Products 2006 y›l›nda Birli¤imizin konut finansman› (mortgage) sistemi ve önümüzdeki dönemde sistemde ihtiyaç duyulabilecek sigorta ürünlerini tespit etmeye yönelik çal›flmalar› devam etmifltir. Bu kapsamda, Hazine Müsteflarl›¤› yetkilileriyle çal›flma toplant›lar› gerçeklefltirilmesinin yan›nda, di¤er ülkelerdeki sigorta uygulamalar›n› incelemek amac›yla yap›lan inceleme ve araflt›rmalar sürdürülmüfl, sektörümüze yönelik iki adet toplant› gerçeklefltirilerek toplant› kitaplar› haz›rlanm›fl ve “Mortgage ve Mortgage Sigortalar›” isimli bir kitap çal›flmas› yap›lm›flt›r. 4.2.1. Mortgage Toplant›lar› Birli¤imiz taraf›ndan mortgage sistemini ve sistemde sigortan›n rolünü tart›flmak üzere 8 fiubat 2006 tarihinde “Mortgage Sigorta Ürünleri”, 31 Mart 2006 tarihinde ise “Konut Finansman› Kanun Tasar›s›n›n De¤erlendirilmesi” isimli iki adet toplant› gerçeklefltirilmifltir. Bu toplant›larda, TBMM Plan ve Bütçe Komisyonu bünyesinde oluflturulan Konut Finansman› Kanunu Tasar›s› Alt Komisyonu Baflkan› Milletvekili Say›n M. Mustafa Aç›kal›n, Komisyon üyesi Milletvekili Say›n M. Akif Hamzaçebi, SPK Baflkan› Say›n Doç.Dr.Do¤an Cans›zlar, SPK Baflkan Yard›mc›s› Say›n ‹brahim Dönmez ve yerli ve yabanc› birçok akademisyen ve uzman konuflmac› olarak yer alm›fllard›r. Toplant›larda sunulan tebli¤lerin ve yap›lan konuflmalar›n toplant›lara kat›lma f›rsat› bulamayan sektör temsilcilerine ve tüm ilgililer aktar›labilmesi için Birli¤imiz taraf›ndan bir toplant› kitab› da haz›rlanm›flt›r. 4.2.2 Mortgage ve Mortgage Sigortalar› Kitab› Birli¤imiz 2006 y›l›ndaki çal›flmalar› kapsam›nda, “Mortgage ve Mortgage Sigortalar›” isimli bir kitap çal›flmas› da gerçeklefltirmifl ve bu kitap Kas›m ay›nda yay›nlayarak sektörümüz ve di¤er ilgili çevrelerle paylaflm›flt›r. Birli¤imiz taraf›ndan haz›rlanan çal›flmada, mortgage sisteminin genel yap›s› ve mortgage sistemi geliflmifl ülkelerde bu sistemde kullan›lan bafll›ca mortgage sigorta ürünleri incelenmifltir. Çal›flmada baz› poliçe örnekleri de okuyucular›n bilgisine sunulmufltur. 72 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Association’s works for determining the insurance products that will be needed in mortgage system continued in 2006. Besides the functional meetings held with the authorities of the Undersecretariat of Treasury the examinations and inquiries aimed at the examination of the insurance practices in other countries continued; two seminars were organized to inform the industry and books on these seminars were prepared. In addition, a book named “Mortgage and Mortgage Insurance Products” was prepared and published by the Association as well. 4.2.1. Mortgage Seminars The association organized two seminars called “Mortgage Insurance Products”, and “Assessment of Draft Law on Housing Finance (Mortgage)” respectively on February 8, 2006 and March 31, 2006 in order to discuss the mortgage system and the role of the insurance in the system. Mr. M. Mustafa Aç›kal›n, Member of the Parliament and Chairman of the Mortgage Sub-Commision of Planning and Budgetary Commission, Mr. M. Akif Hamzaçebi, Member of the Parliament and the Mortgage Sub-Commision of Planning and Budgetary Commission, Assoc. Prof. Dr. Do¤an Cans›zlar, Chairman of the CMB (Capital Market Board), ‹brahim Dönmez, Deputy Chairman of CMB and many domestic and foreign academics and experts made contributions in these meetings. A meeting book of speeches and discussions of these meetings was prepared by the Association for the purpose of informing the representatives of the sector and all relevant parties who could not participate in the meetings. 4.2.2. Book on “Mortgage and Mortgage Insurance Products” The Association prepared a book named “Mortgage and Mortgage Insurance Products” in 2006. The book was published in November and delivered to the sector and all relevant parties. The book deals with the general structure of the mortgage system and examines main mortgage related insurance products used in the developed countries. Some policy examples were also included for the readers. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 4. D‹⁄ER ÇALIfiMALAR 4. OTHER WORKS 4.3. Sigorta Konusunda Ortaya Ç›kan Uyuflmazl›klar›n Alternatif Yöntemlerle Çözümü (ADR): Avrupa Uygulamalar› Kitab› 4.3. Book on “Alternative Dispute Resolution (ADR) in the Insurance Sector: Practices in the EU” Halen TBMM Genel Kurul gündeminde bulunan Sigortac›l›k Kanunu Tasar›s›’nda, Birli¤imizin de önemli görevler üstlendi¤i, sektörümüze yönelik bir tahkim mekanizmas›n›n oluflturulmas› öngörülmektedir. Bu yeni mekanizma ile Türk sigorta sektöründe tüketici uyuflmazl›klar›n›n mahkeme d›fl› yöntemlerle h›zl› ve ucuz flekilde çözümü hedeflenmifltir. The Draft Insurance Law which is still on the agenda of TBMM General Assembly, includes provisions for sector specific arbitration. In this context an arbitration mechanism designed for supporting the solution of the consumer conflicts will be established and the Association will take important tasks in this mechanism. Birli¤imiz, sigorta konusunda ortaya ç›kan uyuflmazl›klar›n alternatif yöntemlerle çözümüne iliflkin uygulamalar›n (tahkim, ombudsman, arabuluculuk vb.) önümüzdeki dönemde sektörümüz aç›s›ndan giderek önem kazanaca¤›ndan hareketle, “Sigorta Konusunda Ortaya Ç›kan Uyuflmazl›klar›n Alternatif Yöntemlerle Çözümü (ADR): Avrupa Uygulamalar›” isimli bir kitap çal›flmas› gerçeklefltirmifl ve bu kitab› Nisan ay›nda yay›nlayarak sektörümüz ve di¤er ilgili çevrelerle paylaflm›flt›r. 4.4. Sigorta Sektörüne Yönelik Grup Muafiyeti Tebli¤i Çal›flmalar› Avrupa Komisyonu taraf›ndan haz›rlanan ilerleme raporlar›nda Avrupa Birli¤i müktesebat›na uyum aç›s›ndan gerekli oldu¤u ifade edilen ve Birli¤imiz taraf›ndan ilk olarak, 2005 y›l›nda, DPT Dokuzuncu Kalk›nma Plan› Rekabet Hukuku ve Politikalar› Özel ‹htisas Komisyonu’nun toplant›lar›nda dile getirilen “sigorta sektörüne yönelik grup muafiyeti tebli¤i” haz›rlanmas›na yönelik talebimiz do¤rultusunda çal›flmalar›m›z 2006 y›l›nda da devam etmifltir. Bu kapsamda, Avrupa Birli¤i’nin konuya iliflkin tüzükleri taraf›m›zdan incelenerek Türkçeye çevrilmifl ve ilgili kurumlarla paylafl›lm›flt›r. Hali haz›rda Rekabet Kurumu taraf›ndan sektörümüze yönelik bir grup muafiyeti tebli¤i haz›rlanmas›na iliflkin çal›flmalar sürdürülmekte olup Birli¤imiz taraf›ndan bu çal›flmalara destek verilmektedir. Bu kapsamda, 18 Kas›m, 12 Aral›k 2006 ve 9 Mart 2007 tarihlerinde Rekabet Kurumu yetkilileriyle çal›flma toplant›lar› gerçeklefltirilmifltir. Rekabet Kurumu taraf›ndan haz›rlanacak tebli¤ tasla¤›n›n, 2007 y›l›n›n ilk döneminde genel görüfle aç›lmas› ve tebli¤in, gelen görüfllerin de¤erlendirilmesini takiben yay›mlanmas› beklenmektedir. 4.5. Çevre Sigortalar›na ‹liflkin Çal›flmalar Knowing that the practices relating to the solution of the insurance conflicts by alternative methods (arbitration, ombudsman, mediation etc.) shall gradually gain importance for the industry in upcoming days, the Association prepared a book named “Alternative Dispute Resolution (ADR) in the Insurance Sector: Practices in the EU”. The book was published in April and delivered to the sector and all relevant parties. 4.4. Works on Insurance Block Exemption Regulation The works of the Association continued in 2006, in line with the demand of the Association for the preparation of a “block exemption regulation for insurance sector”. The said block exemption is already required by the European Commission in the progress reports to harmonize Turkish competition legislation with the EU and set forth by the Association for the first time in the meetings of the Specialty Commission on Competition Law and Policies formed within the frame of State Planning Organization (DPT) Ninth Development Plan In this context, the Association examined the related EU regulations, translated these regulations into Turkish, and shared these translations with relevant authorities. Currently Turkish Competition Authority works on the issue and the Association supports these works. Within this scope, meetings were held with the representatives of Turkish Competition Authority on November 18, December 12, 2006 and March 9, 2007. It is estimated that a draft regulation prepared by Turkish Competition Authority will be delivered in the first term of 2007 and following the assessment of the opinions submitted, it will be published . 4.5. Works on Environmental Insurance 2006 y›l›nda Birli¤imiz taraf›ndan 2004/35/EC say›l› Avrupa Birli¤i Çevre Sorumluluk Direktifi ve Avrupa ülkelerindeki uygulamalar kapsam›nda çevre sigortalar›na iliflkin incelemeler yap›lm›flt›r. Ayr›ca bu konuda, ülkemizdeki yaflanan geliflmelere iliflkin olarak, 5 fiubat 2007 tarihinde Çevre ve Orman Bakanl›¤›’nda bir çal›flma toplant›s› gerçeklefltirilmifl ve bu toplant›da Birli¤imizin görüflleri yetkililerle paylafl›lm›flt›r. The Association conducted research relating to the environmental insurance practices of the EU countries and the place of insurance in the EU Environmental Liability Directive 2004/35/EC in 2006. Furthermore a meeting was held with the representatives of the Republic of Turkey Ministry of Environment and Forestry and other related parties on February 5, 2007 to assess the current developments in Turkish legislation. In this context, the Association shared its opinions with the representatives of the Ministry and other parties. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 73 74 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY ULUSLARARASI KURULUfiLARLA ‹L‹fiK‹LER VE AVRUPA B‹RL‹⁄‹ UYUM SÜREC‹ ÇALIfiMALARI TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ RELATIONS WITH INTERNATIONAL INSTITUTIONS AND HARMONIZATION WITH THE EUROPEAN UNION ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 75 1. AVRUPA B‹RL‹⁄‹ ‹LE ‹L‹fiK‹LER 1. RELATIONS WITH THE EUROPEAN UNION 1.1. AVRUPA B‹RL‹⁄‹ KURUMLARI ‹LE ‹LG‹L‹ FAAL‹YETLER 1.1. ACTIVITIES RELATING TO THE EUROPEAN UNION INSTITUTIONS Birli¤imiz, ülkemizin Avrupa Birli¤i’ne uyum sürecinde gerek Avrupa Birli¤i’ni temsil eden kurumlar gerekse Türk kamu kurumlar› nezdindeki temaslar›n› 2006 y›l›nda da sürdürmüfltür. Bu çerçevede 7 Nisan 2006 ve 16 Ekim 2006 tarihlerinde Avrupa Komisyonu Türkiye Delegasyonu üst düzey yetkilileriyle toplant›lar yap›lm›flt›r. Bu toplant›larda sektörümüzün de içerisinde yer ald›¤› “Mali Hizmetler” fasl›nda gerçeklefltirilen tarama sürecine iliflkin de¤erlendirmelerde bulunulmufltur. (Bilindi¤i gibi, “Mali Hizmetler”e iliflkin tan›t›c› tarama toplant›lar› 29–30 Mart 2006 tarihlerinde, ayr›nt›l› tarama toplant›lar› ise 2–3 May›s 2006 tarihlerinde Türk ve AB bürokratlar›n›n kat›l›m›yla gerçeklefltirilmifltir.) Toplant›larda ayr›ca sektörün Avrupa Birli¤i mevzuat›na uyum çerçevesinde yapm›fl oldu¤u çal›flmalar da mercek alt›na al›nm›flt›r. Kamu kurumlar› nezdindeki temaslar çerçevesinde ise 16 Ekim 2006 tarihinde Devlet Planlama Teflkilat› (DPT) Avrupa Birli¤i ile ‹liflkiler Genel Müdürü Say›n Cevdet Y›lmaz, 21 Kas›m 2006 tarihinde Avrupa Birli¤i Genel Sekreteri (ABGS) Büyükelçi Say›n O¤uz Demiralp makamlar›nda ziyaret edilmifltir. Ziyaretlerde Birli¤imizin yap›s›, Türk sigorta sektörünün durumu, temel göstergeleri, AB sigorta sektörü karfl›s›ndaki durumu ve Birli¤in Avrupa Birli¤i’ne uyum kapsam›nda gerçeklefltirmifl oldu¤u faaliyet ve projeler hakk›nda kapsaml› sunumlar yap›lm›flt›r. Toplant›larda “Mali Hizmetler” fasl›nda gerçeklefltirilecek müzakerelerde s›k›nt› yaratacak temel konu olarak sektörü düzenleyen kanunun yürürlü¤e girmemifl olmas› gösterilmifltir. Bilindi¤i gibi, 11 Aral›k 2006 tarihinde Brüksel'de yap›lan AB D›fliflleri Bakanlar› Toplant›s›'nda, Avrupa Komisyonu'nun 29 Kas›m'daki tavsiyesi do¤rultusunda, Ankara Protokolü kapsam›nda hava ve deniz limanlar›n› K›br›s Rum Yönetimi’ne açmayan Türkiye ile müzakerelerin 8 fas›lda k›smen ask›ya al›nmas› kararlaflt›r›lm›flt›r. Bu fas›llardan biri de sigorta sektörünün içerisinde yer ald›¤› “Mali Hizmetler” fasl› olmufltur. Bu nedenle sigorta sektörünü do¤rudan ilgilendiren müzakere sürecinin bafllang›ç tarihi belirsizdir. Buna karfl›n Birli¤imiz, Avrupa Birli¤i’ne uyum sürecinde söz konusu kurumlarla iflbirli¤i içerisinde çal›flmalar›n› sürdürmektedir. Bu çerçevede Türkiye’nin “Ekonomik ve Parasal Politika” fasl›ndaki müzakere pozisyonuna iliflkin Birlik görüflü Avrupa Birli¤i Genel Sekreterli¤i’ne (ABGS), Avrupa Birli¤i’nin 2007–2009 y›llar› aras›nda Türkiye’ye yapaca¤› mali yard›mlar›n finansal çerçevesine iliflkin Birlik görüflü ise Avrupa Komisyonu Türkiye Delegasyonu’na iletilmifltir. Birli¤imiz ayr›ca, Avrupa Komisyonu taraf›ndan 8 Kas›m 2006 tarihinde aç›klanan Türkiye ‹lerleme Raporu’nda Türk sigorta sektörüne iliflkin yap›lan de¤erlendirmeler, uyumda güçlüklerle karfl›lafl›lan sorunlar ve öncelikli olarak ele al›nmas› gereken konularla ilgili olarak haz›rlad›¤› raporu sektör yöneticilerine iletmifltir. 76 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ The Association has been in close relationship with the institutions representing the European Union and Turkish public institutions during Turkey’s harmonization process with the European Union also in 2006. Meetings were held with the high level authorities of the Delegation of the European Commission to Turkey on April 7, and October 16, 2006 within this framework. Assessments were made during these meetings with regard to the screening process under the “Financial Services” Chapter. (As it is known, introductory and detailed screening meetings related to the “Financial Services” Chapter were held respectively on March 29-30, 2006 and May 2-3, 2006 with the participation of Turkish and EU bureaucrats.) Efforts that the industry exerted within the framework of harmonization with EU legislation were also discussed during the meetings. Within the framework of contacts with public institutions, a study visit was paid to Mr. Cevdet Y›lmaz, Director General of EU Affairs of the State Planning Organization (SPO) and Mr. O¤uz Demiralp, Secretary General for EU Affairs of the Secretariat General for EU Affairs (EUSG) respectively on October 16, 2006 and November 21, 2006. Comprehensive presentations were made during the visits with regard to the structure of the Association, the status of the Turkish insurance industry, basic indicators, its status vs. EU insurance industry, and activities and projects performed by the Association within the scope of harmonization with the European Union. The fact that the law regulating the industry has not entered into force effect yet was indicated as the basic issue that could create difficulties during the negotiations to be held under the “Financial Services” Chapter. As it is known, on 11 December 2006, EU Foreign Ministers decided to follow the European Commission’s recommendations and suspend talks on 8 of the 35 negotiating chapters. One of these chapters is “Financial Services” within which negotiations on insurance will be held. For this reason, the beginning date of the negotiation process directly relating to the insurance industry is indefinite. On the other hand the Association continues its efforts in cooperation with the abovementioned institutions during the process of harmonization with the European Union. The Association’s opinion relating to the negotiation position of Turkey under the “Economic and Monetary Policy” Chapter was presented to the Secretariat General for EU Affairs (EUSG), and the Association’s opinion on the Multi-Annual Indicative Planning Document was presented to the Delegation of the European Commission to Turkey. The Association also prepared a report on the assessments made in Turkey’s Progress Report, declared by the European Commission on 8 November 2006, about the Turkish insurance sector, its priorities and the problems faced in the harmonization process. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 1. AVRUPA B‹RL‹⁄‹ ‹LE ‹L‹fiK‹LER 1. RELATIONS WITH THE EUROPEAN UNION Bilindi¤i gibi 17 Nisan 2007 tarihinde Türkiye’nin AB Müktesebat›na Uyum Program› kamuoyuna aç›klanm›flt›r. Program çerçevesinde Türk sigorta sektörünü de yak›ndan ilgilendiren bir yasal takvim sunulmufl ve ç›kar›lmas›nda yarar görülen yasal düzenlemeler bafll›klar halinde ele al›nm›flt›r. Bu yasal takvim Birli¤imiz taraf›ndan sektöre duyurulmufltur. Turkey’s “Accession Preparations Road Map” was presented on 17 April 2007. In the framework of the Road Map, a schedule of primary and secondary legislation to be adopted between 2007 and 2013 was presented. The Road Map also includes a legal schedule for the Turkish insurance sector. The Association notified the sector about this schedule. 1.2. ULUSAL B‹RL‹KLERLE ‹L‹fiK‹LER‹N GEL‹fiT‹R‹LMES‹NE YÖNEL‹K FAAL‹YETLER 1.2. ACTIVITIES TOWARDS THE IMPROVEMENT OF RELATIONS WITH NATIONAL ASSOCIATIONS Birli¤imiz 2006 y›l› stratejisi çerçevesinde, gerek Avrupa Birli¤i’ne uyum sürecinde gerekse Türk sigorta sektörüne yeni sigorta ürünlerinin tan›t›lmas› aflamas›nda sektörün sorunlarla karfl›laflt›¤› alanlarda Avrupa Birli¤i üyesi ülkelerin deneyimlerinden faydalan›lmas›; Birli¤imizin uluslararas› tan›n›rl›¤›n›n artt›r›lmas›; uluslararas› iliflkilerinin gelifltirilmesi; iyi uygulama örneklerinden yararlan›lmas› ve iflbirli¤ini artt›r›c› faaliyetlerde bulunulmas› amac›yla Avrupa ülkeleri sigorta Birliklerine çal›flma ziyaretlerinde bulunmufltur. Within the framework of its 2006 strategy, the Association paid study visits to the insurance associations in the European Union for the purpose of benefiting from their experiences in various fields, increasing the Association’s international recognition, improving international relations and performing activities that improve mutual cooperation during the harmonization process with the European Union and during the introduction of new insurance products to the Turkish insurance industry. Bu çerçevede, Avrupa Birli¤i üyesi olarak Avrupa Tek Sigorta Piyasas› içerisinde yer alan ‹talya, ‹ngiltere, ‹rlanda, Almanya ve ‹spanya ile Avrupa Ekonomik Alan› üyesi olarak Avrupa Tek Sigorta Piyasas› içerisinde yer alan Norveç ulusal sigorta Birliklerine Nisan 2006 tarihinden bu yana çal›flma ziyaretleri gerçeklefltirilmifltir. Bu kapsamda 10 Nisan 2006 tarihinde ‹talyan Sigorta fiirketleri Birli¤i ANIA, 28 Nisan 2006 tarihinde Norveç Finansal Hizmetler Birli¤i FNH, 19 May›s 2006 tarihinde ‹rlanda Sigorta Federasyonu IIF, 22 May›s 2006 tarihinde ‹ngiliz Sigortac›lar Birli¤i ABI, 22 Mart 2007 tarihinde Alman Sigorta Birli¤i GDV ve 16 Nisan 2007 tarihinde ‹spanyol Sigortac›lar Birli¤i UNESPA ile toplant›lar gerçeklefltirilmifltir. In this context, since April 2006, the Association has been paying study visits to Italy, United Kingdom, Ireland, Germany, and Spain which are the EU Members of the EU Single Insurance Market and to Norway which is a member of the EU Single Insurance Market in its capacity as a European Economic Area Member. Within this framework, meetings were held with ANIA (Italy), FNH (Norway), IIF (Ireland), ABI (United Kingdom), GDV (Germany) and UNESPA (Spain) respectively on 10 April 2006, 28 April 2006, 19 May 2006, 22 May 2006, 22 March 2007 and 16 April 2007. Bunun yan› s›ra, Avrupa Birli¤i’nin Avusturya Dönem Baflkanl›¤› s›ras›nda Avusturya Sigorta fiirketleri Birli¤i VVO, Türkiye’nin Avrupa Birli¤i sürecine deste¤inin bir göstergesi olarak Birli¤i 2 May›s 2006 tarihinde Viyana’ya bir çal›flma toplant›s›na davet etmifltir. Gerçeklefltirilen görüflmeler, Birli¤imiz taraf›ndan haz›rlanm›fl olan kapsaml› sunumlar ile bafllam›fl; Birli¤imiz, Birli¤imizin yap›s›, çal›flmalar›, yay›nlar›, uluslararas› iliflkileri, AB sürecinde gerçeklefltirdi¤i yasal düzenlemeler ve faaliyetler ile Türk sigorta sektörü ve sektörün temel göstergelerine iliflkin kapsaml› bilgiler verilmifltir. Bunu takiben, görüflmenin gerçeklefltirildi¤i ülkenin sigorta Birli¤ine ve sektörüne iliflkin olarak toplant›lara kat›lan yetkililerden kapsaml› bilgiler al›nm›fl ve karfl›l›kl› görüfl al›flveriflinde bulunulmufltur. In addition to these meetings, the Association was invited by the Association of Austrian Insurance Companies (VVO) to a study visit in Vienna on 2 May 2006, during Austria’s Presidency of the European Union. The meetings started with the comprehensive presentations made by the Association concerning its structure, activities, publications, the main indicators of the Turkish insurance sector, its institutional structure and the harmonization work carried out in the EU process. Following the presentations, the insurance associations of the abovementioned countries made presentations concerning their own structures, functioning mechanisms and markets. The meetings provided a forum for exchange of views and ideas. In the meeting held with UNESPA (Spain), information was also obtained as regards the operation of the motor vehicle insurance system and the functioning of the claim settlement agreement system in Spain. ‹spanyol Sigortac›lar Birli¤i UNESPA ile gerçeklefltirilen toplant›da ayr›ca ‹spanya’daki motorlu tafl›t sigortalar› sistemi ile kaza tespit tutanaklar› sisteminin iflleyifli hakk›nda bilgi al›nm›flt›r. The Association prepared a comprehensive report on the insurance sectors of the above-mentioned countries of the EU Single Insurance Market. This Report was then circulated to the sector. Bu toplant›lar sonucunda 2006 y›l›nda çal›flma toplant›lar› gerçeklefltirilen ülkelerin sigorta sektörlerine yönelik olarak elde edilen bilgi ve veriler Birli¤imiz taraf›ndan derlenerek bir rapor haline getirilmifl ve sektörle paylafl›lm›flt›r. Apart from these meetings, the Association paid a study visit to the Greek Insurance Association on January 2006 to discuss the functioning of the claims settlement agreement system in Greece. Bu toplant›lar d›fl›nda Birli¤imiz, Ocak 2006 içerisinde kaza tespit tutanaklar›na iliflkin olarak Yunanistan Sigorta fiirketleri Birli¤i’ne de bir çal›flma ziyaretinde bulunmufltur. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 77 2. ULUSLARARASI KURULUfiLARLA ‹L‹fiK‹LER 2. RELATIONS WITH INTERNATIONAL INSTUTIONS Birli¤imiz, 2006 y›l›nda CEA, IAIS, OECD, IMIA gibi sigortac›l›k alan›nda faaliyet gösteren uluslararas› kurulufllarla iliflkilerini sürdürmüfltür. In 2006, the Association maintained its relations with the international institutions operating in the field of insurance such as CEA, IAIS, OECD and IMIA. 2.1. AVRUPA S‹GORTA VE REASÜRANS FEDERASYONU (CEA) 2.1. THE EUROPEAN INSURANCE AND REINSURANCE FEDERATION (CEA) 2.1.1. CEA Komitelerine Kat›l›m Birli¤imiz, 2006 y›l›nda, üyesi bulundu¤u CEA Komitelerinden Hayat Komitesi, Mal Sigortalar› Komitesi, Genel Sorumluluk Komitesi, Motor Komitesi, Ekonomi ve Finans Komitesi ve Tek Pazar Komitesi gündemlerini takip etmifl ve toplant›lar›na kat›lm›flt›r. Bu çerçevede 27 Mart 2006 ve 24 Temmuz 2006 tarihlerinde CEA Ekonomi ve Finans Komitesi toplant›lar›na kat›l›m sa¤lanm›fl, özellikle Solvency II ve UFRS 4 konular›ndaki geliflmeler izlenmifltir. 26 Nisan 2006 tarihinde ise CEA Tek Pazar Komitesi toplant›s›na kat›l›m sa¤lanm›fl, Avrupa tek sigorta piyasas›n›n gündemini oluflturan konular, özellikle Avrupa Komisyonu Rekabet Genel Müdürlü¤ü taraf›ndan Avrupa sigorta sektörüne yönelik olarak bafllat›lm›fl olan soruflturma ile blok muafiyet düzenlemelerine iliflkin geliflmeler takip edilmifltir. 11–12 May›s 2006 tarihlerinde CEA Genel Sorumluluk Komitesi toplant›s›na, 8 Haziran 2006 tarihinde ise CEA Mal Sigortalar› Komitesi toplant›s›na kat›l›m sa¤lanm›flt›r. CEA Mal Sigortalar› Komitesi toplant›s›nda do¤al afetlerin yönetimi, sel ve su bask›nlar›nda önleme tedbirleri, kamu-özel sektör iflbirli¤i, yang›ndan korunma sistemleri ile h›rs›zl›k korunma sistemleri konusundaki standardizasyon çal›flmalar› konular›ndaki geliflmeler izlenmifltir. Birli¤imiz 2007 y›l›nda da CEA Komite toplant›lar›na kat›l›m›n› sürdürmektedir. Bu çerçevede 22 Ocak 2007 tarihinde CEA Ekonomi ve Finans Komitesi toplant›s›na kat›l›m sa¤lanm›flt›r. Toplant›da Türkiye’den de alt› sigorta flirketinin kat›l›m›yla gerçeklefltirilen Solvency II Etki De¤erlendirme anketinin sonuçlar› ele al›nm›fl, UFRS 4 faz 2 ile ilgili teknik konularda çal›flmak üzere üç ayr› alt komite kurulmas›na karar verilmifltir. 21 fiubat 2007 ve 27 Nisan 2007 tarihlerinde kat›l›m sa¤lanan Tek Sigorta Piyasas› Komitesi toplant›lar›nda ise Avrupa Komisyonu Rekabet Genel Müdürlü¤ü taraf›ndan Avrupa sigorta sektörüne yönelik olarak bafllat›lan soruflturma kapsam›nda flirket kârl›l›klar›, reasürans, sözleflme süreleri, da¤›t›m kanallar› gibi konu bafll›klar›nda ülke uygulamalar› ve pozisyonlar› ile Avrupa Birli¤i tek sigorta piyasas›ndaki yasal düzenlemelere iliflkin geliflmeler ele al›nm›flt›r. Birli¤imizin kat›l›m sa¤lad›¤› 6 Mart 2007 tarihli CEA Genel Sorumluluk Komitesi toplant›s›nda Avrupa sorumluluk sigortas› pazar›nda yaflanan geliflmeler, yeni sorumluluk sigortas› türlerine iliflkin yürütülen çal›flmalar ve bu çal›flmalara CEA Çal›flma Gruplar›n›n katk›lar› ele al›n›rken, 22 Mart 2007 tarihli Hayat Komitesi toplant›s›nda 2006 y›l›nda AB hayat sigortas› piyasas›n›n performans› de¤erlendirilmifltir. 78 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 2.1.1 Participation in CEA Committees In 2006, the Association followed the agendas of the following CEA Committees to which it is a member: Life Committee, Property Insurance Committee, General Liability Committee, Motor Committee, Economics and Finance Committee and Single Market Committee. In this context, the Association participated to the meetings of CEA Economics and Finance Committee on 27 March 2006 and on 24 July 2006 and followed the developments regarding Solvency II and UFRS 4. On 26 April 2006, the Association participated to the meeting of the CEA Single Market Committee and followed the issues constituting the agenda of the single European insurance market, especially the developments relating to the inquiry held for the European insurance industry by the European Commission DG Competition and the block exemption regulations. The Association participated to the meeting of the CEA General Liability Committee on 11-12 May 2006 and the meeting of the CEA Property Insurance Committee on 8 June 2006. During the CEA Property Insurance Committee meeting, the developments relating to the standardization efforts on natural disaster management, measures to prevent floods, public-private partnership, fire protection systems, and theft protection systems were discussed. The Association has continued to participate in the meetings of CEA Committees in 2007. In this context, the Association participated to the CEA Economics and Finance Committee meeting on 22 January 2007. During the meeting, the results of the Solvency II Impact Assessment survey performed with the participation of six insurance companies from Turkey were presented by the Association and other issues were discussed like the establishment of three separate subcommittees to work on technical issues relating to UFRS 4, Phase 2. The Association also participated to the meetings of the Single Market Committee on 21 February 2007 and 27 April 2007 where countries’ practices and positions were discussed under company profitability, reinsurance, contract durations, distribution channels within the scope of the inquiry held for the European insurance industry by the European Commission DG Competition. The developments relating to legal regulations in the EU single insurance market were also discussed. On 6 March 2007, the Association participated to the CEA General Liability Committee meeting. The developments in the European liability insurance market, efforts exerted for new liability insurance types and the contribution of CEA Working Groups to such efforts were discussed. Finally, the Association participated to the CEA Life Insurance Committee meeting on 22 March 2007, where the performance of the EU life insurance market in 2006 was assessed. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2. ULUSLARARASI KURULUfiLARLA ‹L‹fiK‹LER 2. RELATIONS WITH INTERNATIONAL INSTUTIONS Bunun yan› s›ra hayat sigortalar›, motorlu tafl›t sorumluluk sigortalar›, mal sigortalar› ve Türk sigorta sektörü istatistiklerine iliflkin olarak CEA’dan gelen talepler do¤rultusunda CEA yetkililerine yaz›l› bilgi ve dokümantasyon sunulmufltur. Besides participating meetings, the Association has also provided information and documentation to the CEA on life insurance, motor vehicle liability insurance, property insurance, and Turkish insurance industry statistics. 2.1.2. CEA 2006 Y›l› Genel Kurul Toplant›s› 2.1.2. 2006 General Assembly Meeting of CEA Birli¤imiz ve CEA iliflkileri aç›s›ndan 2006 y›l›n›n en önemli gündem maddesini oluflturan konu, CEA 2006 y›l› Genel Kurul Toplant›s›’n›n Birli¤imiz ev sahipli¤inde 15–17 Haziran 2006 tarihlerinde ‹stanbul’da gerçeklefltirilmesidir. The most important item on the Association’s 2006 CEA Agenda has been the organization of the 2006 CEA General Assembly Meeting in Istanbul, Turkey, on 15-17 June 2006. Avrupa sigorta flirketleri ve Birliklerinin yaklafl›k 250 üst düzey yöneticisinin kat›l›m›yla ‹stanbul’da 53.’sü düzenlenen CEA Genel Kurul Toplant›lar› çerçevesinde CEA Baflkanlar Konseyi Toplant›s›, CEA Genel Direktörler Toplant›s›, Delegasyon Baflkanlar› Toplant›lar›, CEA Genel Kurul Toplant›s› gerçeklefltirilmifltir. Genel Kurul Toplant›lar›n›n sonunda, Birli¤imiz ve CEA iflbirli¤i ile Hazine Müsteflarl›¤›, Avrupa Komisyonu, CEA ve IAIS’ten üst düzey konuflmac›lar›n kat›ld›¤› “Sigorta Sektörü: Avrupa Toplumu ve Ekonomisini Bekleyen Sorunlara Çözümler” konulu konferans düzenlenmifltir. Konferansta yap›lan sunumlar Türkçe ve ‹ngilizce olmak üzere derlenerek bir kitap haline getirilmifl, Avrupa Sigorta Birlikleri ve Türk sigorta sektörü yöneticilerine iletilmifltir. 2.2. EKONOM‹K ‹fiB‹RL‹⁄‹ VE KALKINMA TEfiK‹LATI (OECD) 2.2.1. Sigortac›l›k ve Özel Emeklilik Komitesi Toplant›lar›na Kat›l›m Birli¤imiz, 6–7 Temmuz 2006 ve 14–15 Aral›k 2006 tarihlerinde Cenevre ve Paris’te düzenlenen OECD Sigortac›l›k ve Özel Emeklilik Komitesi Toplant›lar›na kat›lm›fl; OECD gündemini oluflturan finansal e¤itim, sigorta yönetiflim uygulamalar›, büyük ölçekli do¤al afetlerin finansal yönetimi, bulafl›c› hastal›klar›n finansal yönetimi, uzun yaflam riski gibi pek çok farkl› konuda gündemi takip etmifl ve katk›larda bulunmufltur. Birli¤imiz, ayn› zamanda, OECD Sigortac›l›k ve Özel Emeklilik Komitesi Toplant›lar›’nda ele al›nan konulara iliflkin kapsaml› raporlar haz›rlayarak sektöre iletmifltir. 2.2.2. “Büyük Ölçekli Afetlerin Finansal Yönetimi Uluslararas› A¤›” Projesi Birli¤imiz ayr›ca OECD bünyesinde afet zararlar›n›n azalt›lmas› ve tazmini konular›nda ülkeler aras›nda bilgi ve tecrübe paylafl›m› yap›lmas›, bu konuda uygulanan programlar›n gözden geçirilmesi amaçlar›yla kurulan “Büyük Ölçekli Afetlerin Finansal Yönetimi Uluslararas› A¤›”na üç y›l süreyle, maddi katk› ve teknik destek sa¤lama taahhüdünde bulunmufltur. Bu çerçevede Birli¤imiz taraf›ndan ilk katk› 2006 y›l› içerisinde sa¤lanm›flt›r. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In the framework of the 53rd CEA General Assembly Meeting held in Istanbul, CEA Heads of Delegation, DG Conference, Committee Chairpersons, Presidential Council and CEA General Assembly Meetings were held with the participation of almost 250 executives of European insurance companies and associations. At the end of the General Assembly Meetings, the conference entitled “The Insurance Industry: Meeting New Challenges Facing European Society and Economy” was held in cooperation with the Association and the CEA, with the participation and contributions of high level speakers from the Undersecretariat of Treasury, European Commission, CEA and IAIS. Presentations made during the conference were compiled both in Turkish and English in a book and sent to the directors and highlevel executives of the European Insurance Associations and Turkish insurance industry. 2.2. ORGANIZATION FOR ECONOMIC COOPERATION AND DEVELOPMENT (OECD) 2.2.1. Participation to the Meetings of the OECD Insurance and Private Pensions Committee The Association participated to the OECD Insurance and Private Pensions Committee Meetings held in Geneva and Paris respectively on 6-7 July 2006 and 14-15 December 2006; followed the agenda on various subjects such as financial education, insurance governance practices, financial management of large scale catastrophes, financial management of contagious diseases and longevity risk constituting the OECD insurance agenda OECD. After the meetings, the Association prepared comprehensive reports on the issues which were discussed. These reports were then circulated to the industry. 2.2.2. Project on the “International Network on Financial Management of Large Scale Catastrophes” The Association undertook to provide technical and material contribution to the “International Network on Financial Management of Large Scale Catastrophes” established for the purpose of exchanging information and experiences between member countries, diminishing catastrophic damages and reviewing the implemented programs for a period of three years. Within this framework, the first contribution was provided in 2006 by the Association. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 79 2. ULUSLARARASI KURULUfiLARLA ‹L‹fiK‹LER 2. RELATIONS WITH INTERNATIONAL INSTUTIONS 2.2.3. “Risk ve Sigorta Bilinci ve E¤itimi” Konulu Ortak Sempozyum Düzenleme 2.2.3. Organization of a Joint “International Seminar on Awareness and Education Relative to Risks and Insurance Issues” 2006 y›l›nda Birli¤imiz ve OECD aras›nda gelifltirilen iliflkilerin en önemli bileflenini ise, Birli¤imiz taraf›ndan ikincisi düzenlenecek uluslararas› sempozyumun OECD ile iflbirli¤inde gerçeklefltirilmesine iliflkin olarak sa¤lanan mutabakat oluflturmufltur. Bu mutabakat çerçevesinde 13 Nisan 2007 tarihinde ‹stanbul’da Birli¤imiz ve OECD iflbirli¤inde, Türk ve Japon hükümetlerinin deste¤iyle “Risk ve Sigorta Bilinci ve E¤itimi” konulu II. Uluslararas› Sigorta Sempozyumu düzenlenmifltir. Sempozyuma 24 ülke ve 7 uluslararas› kurumdan davetliler, Türk sigorta sektörü temsilcileri ve akademisyenler olmak üzere yaklafl›k 250 kifli kat›lm›flt›r. Sempozyumda hem geliflmifl hem de geliflmekte olan ülkelerde risk ve sigorta konular›nda artan bilinç ve özellikli e¤itim ihtiyac›n›n önemi vurgulanm›flt›r. Sempozyum; hükümetlerin, finansal kurulufllar›n, özellikle sigorta piyasas› aktörlerinin ve tüketicilerin risk ve sigorta e¤itimi konular›ndaki duyarl›l›klar›n›n gelifltirilmesine; ülkelerin tecrübe, yöntem ve uygulama örneklerinin incelenmesine katk› sa¤lam›flt›r. 2.3. ULUSLARARASI S‹GORTA DENETÇ‹LER‹ B‹RL‹⁄‹ (IAIS) Birli¤imiz, gözlemcisi oldu¤u Uluslararas› Sigorta Denetçileri Birli¤i (IAIS) gündemini 2006 y›l›nda da yak›ndan takip etmifltir. Bu çerçevede Birlik, IAIS’in sigorta sahtekârl›¤›na ve Solvency konusuna iliflkin olarak yürüttü¤ü çal›flmalara katk› sa¤lam›flt›r. 2.4. ULUSLARARASI MÜHEND‹SL‹K S‹GORTALARI B‹RL‹⁄‹ (IMIA) Birli¤imiz, üyesi oldu¤u Uluslararas› Mühendislik Sigortalar› Birli¤i’nin (IMIA) ABD’nin Boston kentinde 11–13 Eylül 2006 tarihleri aras›nda düzenlenen 39. Y›ll›k Toplant›s›na kat›lm›flt›r. Toplant›da, bir önceki konferansta oluflturulan çal›flma gruplar›, “Aç›k Deniz Rüzgar Tribünleri”, “Yol Yap›m Çal›flmalar›nda Mühendislik Sigortalar› Riskleri”, “Katrina Kas›rgas›n›n Etkileri”, “Boston –Big Dig Projesi Tan›t›m›”, “‹stinat Duvar› Hasar› ve Beraberinde Getirdi¤i Üçüncü fiah›s Mali Mesuliyeti” konular›nda haz›rlam›fl olduklar› çal›flmalar› sunmufllar, Türk delegasyonu da, Türk mühendislik sigortalar› piyasas› hakk›nda bir sunum yapm›flt›r. 2.5. M‹LLETLERARASI T‹CARET ODASI (ICC) Birli¤imiz, 18 Temmuz 2006 tarihinde Ceylan InterContinental Otel’de düzenlenen Milletleraras› Ticaret Odas› (ICC) Türkiye Milli Komitesi 52. Genel Kurul Toplant›s›’na kat›lm›flt›r. Toplant›da ICC 2005–2006 dönemi faaliyetleri ve bütçe görüflülerek onaylanm›flt›r. The most important component of the relationship developed between the Association and OECD in 2006 was the agreement on the organization of a joint international seminar. Within this framework the Association and OECD convened an “International Seminar on Awareness and Education Relative to Risks and Insurance Issues”, on 13 April 2007 at Swissôtel, in Istanbul, Turkey, with the support of Turkish and Japanese governments. High-level governmental officials from regulatory and supervisory authorities, industry experts and academics from OECD countries and non-OECD members’ economies attended the event from 24 countries and 7 international organizations, as well as the representatives of the Turkish insurance sector. The presentations made during the seminar highlighted the need for increased awareness and specific education on risks and insurance issues in both developed and developing countries. The seminar also contributed to enhancing the responsiveness of governments, financial institutions, insurance market players as well as consumers with regard to the importance of appropriate information disclosure and education on risks and insurance issues and to examine countries’ experience, progress and good practices in this area. 2.3. INTERNATIONAL ASSOCIATION OF INSURANCE SUPERVISORS (IAIS) The Association, with its observer status, closely followed the agenda of the International Association of Insurance Supervisors (IAIS) in 2006. It contributed to the IAIS studies carried out in the fields of insurance fraud and Solvency within this framework. 2.4. INTERNATIONAL ASSOCIATION OF ENGINEERING INSURERS (IMIA) The Association participated to the 39th Annual Meeting of the International Association of Engineering Insurers (IMIA) in Boston, USA between 11-13 September 2006. In the meeting the working groups constituted in the previous conference presented the studies they prepared as regards the following subjects “Open Sea Wind Tribunes”, “Engineering Insurance Risks for Road Construction Works”, “Effects of the Hurricane Katrina”, “Introduction of Boston-Big Dig Project”. During the meeting, the Turkish delegation made a presentation about the Turkish engineering insurance market. 2.5. INTERNATIONAL CHAMBER OF COMMERCE (ICC) The Association participated to the 52nd General Assembly Meeting of the Turkish National Committee of the International Chamber of Commerce (ICC) organized in Ceylan InterContinental Hotel on 18 July 2006. In the ICC meeting activities and the budget of the 20052006 period were discussed and approved. 80 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3. AB ‹LE ‹LG‹L‹ D‹⁄ER FAAL‹YETLER 3. OTHER ACTIVITIES RELATED TO THE EU 3.1. AVRUPA B‹RL‹⁄‹ ‹LE ‹LG‹L‹ YAYINLAR 3.1. PUBLICATIONS RELATING TO THE EUROPEAN UNION 3.1.1. “15 Soruda Avrupa Birli¤i ve Avrupa Tek Sigorta Piyasas›” Kitap盤› 3.1.1. Booklet on the “European Union and EU Single Insurance Market in 15 Questions” Birli¤imiz, Türk sigorta sektörünün Avrupa Birli¤i tek sigorta piyasas›na uyum sürecinde, toplumda sigortayla ilgili tüm taraflar›n, özellikle sigorta flirketi çal›flanlar›n›n bilgilendirilmesi amac›yla yürüttü¤ü çal›flmalar kapsam›nda “15 Soruda Avrupa Birli¤i ve Avrupa Tek Sigorta Piyasas›” bafll›kl› bir kitapç›k haz›rlam›flt›r. Kitapç›k, Avrupa Birli¤i ve Tek Sigorta Piyasas› hakk›nda en çok merak edilen konular› 15 soru bafll›¤› alt›nda mercek alt›na almaktad›r. The Association prepared a booklet entitled “European Union and EU Single Insurance Market in 15 Questions” within the framework of its efforts aimed at informing all relevant parties especially the employees of the insurance companies, during the Turkish insurance market’s harmonization process with the EU single insurance market. The main issues of concern about the European Union and the Single Insurance Market were discussed under 15 questions in the booklet. 3.1.2. Sigorta Sektörü: Avrupa Toplumu ve Ekonomisinin Karfl› Karfl›ya Bulundu¤u Sorunlara Çözüm Önerileri” Konulu Konferans Kitab› 3.1.2. Conference Book on “The Insurance Industry: Meeting New Challenges Facing European Society and Economy” Birli¤imiz, 15-17 Haziran 2006 tarihlerinde ev sahipli¤i yapt›¤›, Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA) 2006 y›l› Genel Kurul Toplant›lar› s›ras›nda düzenlenen “Sigorta Sektörü: Avrupa Toplumu ve Ekonomisinin Karfl› Karfl›ya Bulundu¤u Sorunlara Çözüm Önerileri” konulu konferansta yap›lan sunumlar› kitap haline getirmifltir. Kitapta, Hazine Müsteflarl›¤›, Avrupa Komisyonu, Avrupa Parlamentosu, IAIS ve Swiss Re’den üst düzey yöneticilerin sigorta sektörünün karfl›laflt›¤› sorunlar, bu sorunlar›n nas›l bir düzenleyici çerçeve içerisinde çözülebilece¤i ve sektörün öncelikleri gibi konularda yap›lan sunumlar yer almaktad›r. ‹ngilizce ve Türkçe olmak üzere iki dilde haz›rlanan kitap gerek Avrupa gerekse Türk sigorta çevrelerine iletilmifltir. 3.1.3. “Avrupa Birli¤i’nde Sigorta Arac›lar›” Kitab› Birli¤imiz taraf›ndan yay›nlanan “Avrupa Birli¤i’nde Sigorta Arac›lar›” kitab› sigorta arac›lar› ve arac›lar›n sigorta piyasas›ndaki rolüne iliflkin genel bir çerçeve çizmekte, Avrupa Birli¤i’nde sigorta arac›l›¤› faaliyetleri ile bu faaliyetleri düzenleyen ve “Sigorta Arac›lar› Direktifi” olarak da bilinen 2002/92/EC say›l› Avrupa Parlamentosu ve Konsey Direktifi’ni ana noktalar›yla ele almaktad›r. Kitapta ayr›ca Avrupa Birli¤i üyesi ülkelerde sigorta arac›l›¤› faaliyetlerini düzenleyen kurallara iliflkin kapsaml› bilgiler verilmektedir. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ The Association compiled in a book the presentations made during the conference on “The Insurance Industry: Meeting New Challenges Facing European Society and Economy” organized in Turkey on 1517 June 2006 during the CEA 2006 General Assembly Meeting. The book includes presentations made by the high-level executives of the Undersecretariat of Treasury, European Commission, European Parliament, IAIS and Swiss Re on various issues such as the problems facing the insurance industry, the regulatory framework within which these problems could be solved and the priorities of the sector. The book, which was prepared both in English and Turkish was delivered to both European and Turkish insurance environs. 3.1.3. Book on “Insurance Intermediation in the European Union” The book on “Insurance Intermediation in the European Union” published by the Association outlines the role of insurance intermediaries and intermediation in the insurance market, insurance intermediation activities in the European Union and Directive 2002/92/EC also known as the “Insurance Intermediation Directive” regulating such activities. The book also includes comprehensive information about the rules regulating insurance intermediation activities in various European Union member countries. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 81 82 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY MAL‹ VE F‹NANSAL KONULARDAK‹ GEL‹fiMELER VE FAAL‹YETLER TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ DEVELOPMENTS AND ACTIVITIES IN FISCAL AND FINANCIAL MATTERS ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 83 1. MAL‹ KONULARDAK‹ FAAL‹YETLER 1. ACTIVITIES IN FISCAL MATTERS I. BSMV, KURUMLAR VERG‹S‹ VE GEL‹R VERG‹S‹ KONULARINDA YAPILAN FAAL‹YETLER 1.ACTIVITIES PERFORMED WITH REGARD TO BANKING AND INSURANCE TRANSACTIONS TAX (BITT), CORPORATE TAX AND INCOME TAX 1. “Türk Sigorta Sektörünün Öncelikli Vergi Sorunlar› Toplant›s› – II” Birli¤imizin sektörün vergisel konularda karfl›laflt›¤› sorunlara çözüm önerileri üretilmesi yönünde yapt›¤› çal›flmalar kapsam›nda, “2006 Y›l›nda Sigorta Sektörünün Vergilendirilmesi ile ‹lgili Sorunlar, Geçmifl Dönemde Yaflanan Geliflmeler, Çözümsüz Kalan Hususlar ve Öneriler” isimli bir rapor haz›rlanm›flt›r. Söz konusu raporun de¤erlendirilmesi amac›yla, Gelir ‹daresi Baflkanl›¤› yetkilileriyle, 25 fiubat 2006 tarihinde bir toplant› düzenlenmifltir. Söz konusu toplant›da afla¤›da yer alan konular görüflülmüfltür: A- Kurumlar Vergisi ve Gelir Vergisi ‹le ‹lgili Konular: - IBNR Karfl›l›klar›n›n Vergi Matrah›ndan ‹ndirimi - Deprem Hasar Karfl›l›klar›n›n Vergi Matrah›ndan ‹ndirimi - Hayat Sigorta fiirketlerindeki Matematik Karfl›l›klar›n Yat›r›ld›klar› Fonlara Ait Stopajlar›n Kurum Kazanc› Üzerinden Hesaplanan Vergiden Mahsup Edilmesi - Hayat ve Sa¤l›k Sigortas› ‹flveren Katk› Paylar›n›n Gelir Vergisi ve Kurumlar Vergisi Matrahlar›ndan Do¤rudan ‹ndirimi - Birikimli ve Birikimsiz Hayat Sigortalar› Poliçelerinden Al›nan Gelir Vergisi ‹le Veraset ve ‹ntikal Vergisi - Vak›f Üyelerinin BES’e Kat›lmalar›nda Vergisel Kolayl›k Sa¤lanmas› - Farkl› Tarihlerde Düzenlenen Hayat Sigortalar›na ‹liflkin Hususlar - Hayat Sigortalar›nda Hak Sahibi Devir ‹fllemleriyle ‹lgili Ortaya Ç›kan Vergisel Konular - Sigorta Prodüktörlerinde Stopajla Nihai Vergileme 1. “Meeting on Primary Taxation Problems of the Turkish Insurance Sector – II” Within the scope of its works aimed at generating proposals of solution to problems encountered by the sector in respect of taxation matters, our Association prepared a report entitled “Problems relating to the Taxation of Insurance Sector in 2006, Developments that occurred during the Previous Period and Suggestions”. In order for the report to be evaluated by the authorities, a meeting was held on February 25, 2006 with the authorities of the Revenue Administration under the supervision of its president. The following issues were discussed in the said meeting: A- Issues relating to Corporate Tax and Income Tax: - deduction of IBNR reserves from the tax assessment - deduction of earthquake claim reserves from the tax assessment - deduction of withholdings for funds in which mathematical reserves are invested in life insurance companies from the tax calculated over the corporation’s revenue, - deduction of life and health insurance employer contributions directly from income tax and corporation tax assessments - income tax and inheritance tax taken on life insurance policies - tax-related facilities for members of Foundations with respect to their participation in Private Pensions System - matters related to life insurances issued at different dates - tax issues that arise during the beneficiary transfer transactions in life insurances - final taxation of insurance producers through withholding B- BSMV ‹le ‹lgili Konular: B- Issues relating to BITT: - ‹ptal Edilen Poliçelerde BSMV Uygulamas› - Yang›n Sigorta Vergisinin BSMV Matrah›na Eklenmemesi - Acente Komisyonlar›nda Dönemsellik Uygulamas› - ‹fltirak Gelirleri ve BSMV - Uçak Gövde ve Tekne Sigortalar› Gibi Yurt D›fl›nda Yap›lmas› Mümkün Sigortalarda BSMV ‹stisnas› - Tazminat Bedelleri ve KDV - Acentelerin BSMV Karfl›s›ndaki Durumlar›, Acente Komisyonlar› ve BSMV (Vergiden ‹stisna Edilmifl Sigorta ‹fllemlerine ‹liflkin Komisyonlar ve Teflvik Komisyonlar›nda BSMV) - Kur Fark› Gelirleri ve BSMV - BITT application in annulled policies - Fire insurance tax - Matching principle in agency commissions - Participation revenues and BITT - BITT exception in insurances which can be executed abroad such as aircraft hull and marine insurances - Indemnity amounts and VAT - Status of agencies against BITT, agency commissions and BITT (commissions relating to insurance transactions that are exempt from tax, and BITT in incentives given to agencies) - Income arising from the difference in exchange rates and BITT Toplant› Sonras› Meydana Gelen Geliflmeler: Toplant› sonras›nda, Yeni Kurumlar Vergisi Kanunu’nda yer alan IBNR karfl›l›klar›, deprem hasar karfl›l›klar› ve hayat sigorta flirketlerinde matematik karfl›l›klar›n yat›r›ld›klar› fonlara ait stopajlar›n kurum kazanc› üzerinden hesaplanan vergiden mahsubu konular›n›n Birli¤imizin önerileri do¤rultusunda TBMM Plan ve Bütçe Komisyonu’nda yeniden düzenlenmesi sa¤lanm›flt›r. Ayr›ca, toplant›da var›lan mutabakat do¤rultusunda, Birli¤imizce Gelir ‹daresi Baflkanl›¤›’na hayat sigortalar›nda hak sahibi devir ifllemleriyle ilgili ortaya ç›kan vergi ve acente komisyonlar›nda dönemsellik ilkesinin uygulanmas›na iliflkin yaz›lar yaz›larak görüfl verilmesi de istenmifltir. Developments in the aftermath of the Meeting: At the end of the meeting in line with the Association’s proposals a rearrangement was made in the TBMM Planning and Budgetary Commission with regard to the issue of setting off the taxes with hold pertaining to the funds that the IBNR provisions, provisions for earthquake loss, and mathematical provisions in life insurance companies which are invested to from the tax calculated over the corporate earning specified in the New Corporate Tax. 84 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 1. MAL‹ KONULARDAK‹ FAAL‹YETLER 1. ACTIVITIES IN FISCAL MATTERS 2. “Türk Sigorta Sektörünün Öncelikli Vergi Sorunlar› Toplant›s› – III” 2. “Meeting on Primary Taxation Problems of the Turkish Insurance Sector – III” Birli¤imizin, sektörün vergisel konularda karfl›laflt›¤› sorunlara çözüm önerileri üretilmesi yönünde yapt›¤› çal›flmalar kapsam›nda, “2007 Y›l›nda Sigorta Sektörünün Vergilendirilmesi ile ‹lgili Sorunlar, Geçmifl Dönemde Yaflanan Geliflmeler, Çözümsüz Kalan Hususlar ve Öneriler” isimli bir rapor haz›rlanm›flt›r. Söz konusu raporun yetkililerle de¤erlendirilmesi amac›yla, Gelir ‹daresi Baflkan›’n›n himayesinde Gelir ‹daresi Baflkanl›¤› yetkilileriyle her y›l düzenli olarak gerçeklefltirilen toplant›lar›n üçüncüsü 20 Ocak 2007 tarihinde düzenlenmifltir. Söz konusu toplant›da afla¤›da yer alan konular görüflülmüfltür: Within the scope of its works aimed at generating proposals of solution to problems encountered by the sector in respect of taxation matters, our Association prepared a report entitled “Problems relating to the Taxation of Insurance Sector in 2007, Developments that occurred during the Previous Period and Suggestions”. In order for the report to be evaluated by the authorities, a meeting was held on January 20, 2007 with the authorities of the Revenue Administration under the supervision of its president. The following issues were discussed in the said meeting: A- Kurumlar Vergisi ve Gelir Vergisi ‹le ‹lgili Sorunlar - 5520 Say›l› Kurumlar Vergisi Kanunu ve Uygulanmas› Konusunda Oluflan Tereddütler - Hayat Sigortalar›nda Hak Sahibi Devir ‹fllemleriyle ‹lgili Ortaya Ç›kan Vergi - Hayat ve Sa¤l›k Sigortas› ‹flveren Katk› Paylar›n›n Gelir Vergisi Matrah›ndan Do¤rudan ‹ndirimi - Vefat Tazminat›na ‹liflkin Vergileme - Vak›f Üyelerinin BES’e Kat›lmalar›nda Vergisel Kolayl›k Sa¤lanmas› - 07.10.2001 Tarihinden Sonra Düzenlenen Hayat Poliçeleri ile BES’den Yap›lacak Geri Ödemelerde Elde Edilen ‹rad›n Vergilendirilmesi - Yeni Teknik Karfl›l›klar Yönetmeli¤i ‹le Getirilen Müesseselerin Vergi Matrah›na Etkisi B- BSMV ve Kdv ‹le ‹lgili Sorunlar - Acente Komisyonlar›nda Dönemsellik Uygulamas› - Tazminat Bedelleri ve KDV - ‹ptal Edilen Poliçelerde BSMV Uygulamas› - Acentelerin BSMV Karfl›s›ndaki Durumlar›, Acente Komisyonlar› ve BSMV - ‹fltirak Gelirleri ve BSMV - Uçak Gövde ve Tekne Sigortalar› Gibi Yurt D›fl›nda Yap›lmas› Mümkün Sigortalarda BSMV ‹stisnas› - ‹hracat 2000/1 Say›l› Tebli¤ Kapsam›nda BSMV ‹stisnas›n›n Uygulanmas› Toplant› Sonras› Meydana Gelen Geliflmeler: Bireysel emeklilik sistemi ve di¤er flah›s sigortalar›na ödenen katk› paylar› ve primlerine iliflkin 23.2.2007 tarihli 59 nolu Gelir Vergisi Sirküleri yay›nlanm›flt›r. Söz konusu sirkülerde, 18 yafl›ndan küçük çocuklar›n lehdar oldu¤u hayat sigorta poliçelerinin devri, iflverenlerce ücretliler ad›na ödenen hayat ve sa¤l›k sigortas› gibi flah›s sigorta primlerinin ticari kazanc›n tespitinde indirimi ve birikimli sigorta poliçelerinde birikimli teminata isabet eden k›sm›n vergilendirilmesine iliflkin aç›klamalarda bulunulmufltur. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ A- Issues Relat›ng to Corporate Tax and Income Tax - Corporate Tax Law number 5520 and doubts relating to the implementation of this Law - Tax issues that arise during the beneficiary transfer transactions in life insurances - The direct deduction of life and health insurance employer contributions from income tax and corporation tax assessments - Taxation on Death Indemnity - Tax-related facilities for members of Foundations with respect to their participation in Private Pensions System (PPS) - Taxation of the revenue obtained through Private Pensions System (PPS) and through Life Insurance Policies arranged after 07.10.2001 - Tax effects of the new Regulation on Technical Reserves B- Issues Relating to BITT and VAT - Implementation of Matching Principle for Agency Commissions - Indemnity Costs and VAT - BITT Practice for Policies Cancelled - status of agencies against BITT, agency commissions and BITT - Participation Incomes and BITT - BITT exception in insurances which can be executed abroad such as aircraft hull and marine insurances - BITT Exemption problems within the scope of the Circular “Export 2000/1” Developments in the Aftermath of the Meeting: Income Tax Circular dated 23.2.2007 and number 59 relating to the contributions and premiums paid to private pension system and other personal insurances was published. In the said circular there were remarks relating to the transfer of life insurance policies whose beneficiaries are persons under the age of 18, the deduction of the premiums of personal insurance such as life and health insurance paid by the employers on behalf of the wage earners during definition of the commercial earnings, and the taxation of the portion corresponding to the cumulative savings in permanant life insurance policies. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 85 1. MAL‹ KONULARDAK‹ FAAL‹YETLER 1. ACTIVITIES IN FISCAL MATTERS Ayr›ca, 03.04.2007 tarih ve 26482 say›l› Resmi Gazete’de yay›mlanan Kurumlar Vergisi Kanunu’na iliflkin aç›klamalara yer verilen “Kurumlar Vergisi Genel Tebli¤inin (Seri No: 1)” Birli¤imiz görüflleri do¤rultusunda yeniden düzenlenmesi sa¤lanm›flt›r. Genel Tebli¤de deprem hasar karfl›l›¤› baflta olmak üzere sigorta ve reasürans flirketlerince ayr›lan teknik karfl›l›klara ve hayat matematik karfl›l›klar›n›n yat›r›ma yönlendirilmesinden elde edilen kazanç ve iratlar üzerinden yap›lan vergi kesintilerinin kurumlar vergisinden mahsubuna iliflkin aç›klamalara yer verilmifltir. The Association also ensured that the “Circular on Corporate Tax (serial No:1)” relating to the implementation of the Corporate Tax Law published on the Official Journal dated 03.04.2007 and number 26482 was rearranged in line with the views of the Association. The Circular contains remarks relating to technical reserves, especially the reserves for earthquake loss set aside by the insurance and reinsurance companies, and to the implementation of tax deductions made over the earnings and revenues obtained from directing the mathematical reserves to investment. Ayr›ca, 5615 say›l› “Gelir Vergisi Kanunu ve Baz› Kanunlarda De¤ifliklik Yap›lmas›na Dair Kanun” 04.04.2007 tarih ve 26483 say›l› Resmi Gazete’de yay›mlanarak yürürlü¤e girmifltir. Söz konusu Kanun’un 17nci maddesiyle, iptal edilen poliçelerin BSMV’sinin iptalin gerçekleflti¤i dönemde hesaplanan BSMV’den indirimine imkan sa¤lamak üzere, 6802 say›l› Gider Vergileri Kanunu’nun 31inci maddesinin 4üncü f›kras› de¤ifltirilmifltir. Söz konusu de¤ifliklik 0 1 . 0 5 . 2 0 0 7 t a r i h i n d e n i t i b a r e n y ü r ü r l ü ¤ e g i r m i fl t i r . Furthermore, the “Law on the Amendment of the Income Tax Law and Several Laws” number 5615 published in the Official Journal dated 04.04.2007 and number 26483 entered into force. Income Tax Law number 6802 Article 31 was amended by the Article 17 of the said Law in order to allow the deduction of BITT of the cancelled policies from the BITT base calculated during the period the cancellation takes place. The said amendment entered into force in 01.05.2007. Di¤er taraftan, acentelerin ve komisyonlar›n›n BSMV karfl›s›ndaki durumlar›n› ele almak üzere Birli¤imiz ile Gelir ‹daresi Baflkanl›¤› yetkililerinden oluflan bir Komisyon kurulmas›na karar verilmifltir. On the other hand, it was decided that a Commission consisting of the authorities of the Association and Revenue Administration be constituted for the purpose of handling the BITT problems of the agencies. 3. Konut Finansman› Sistemi Kapsam›nda Yap›lan Sigortalarda BSMV ‹stisnas› Birli¤imizce TBMM Plan ve Bütçe Komisyonunda yap›lan öneri üzerine, 5582 say›l› “Konut Finansman› Sistemine ‹liflkin Çeflitli Kanunlarda De¤ifliklik Yap›lmas› Hakk›nda Kanun” ile 6802 say›l› Gider Vergileri Kanununun 29uncu maddesinde de¤ifliklik yap›larak, 2499 say›l› Sermaye Piyasas› Kanununun 38/A maddesinin birinci f›kras›nda tan›mlanan konut finansman› kapsam›nda yap›lan sigortalarda sözleflme ve poliçe üzerinden al›nan paralar›n BSMV’den istisna edilmesi sa¤lanm›flt›r. Söz konusu maddede yap›lan de¤ifliklikler uyar›nca, konut finansman› sistemi kapsam›nda yap›lacak ifllemlerde BSMV istisnas› uygulanmas›na iliflkin aç›klamalara yer verilen 84 seri nolu Gider Vergileri Genel Tebli¤i 17.04.2007 tarih ve 26496 say›l› Resmi Gazete’de yay›mlanm›flt›r. II. D‹⁄ER FAAL‹YETLER 1. TC Kimlik No’su Konusundaki Faaliyetler Maliye Bakanl›¤› ile 10 haneli Vergi Kimlik Numaras› yerine, 11 haneli TC Kimlik numaras›n›n kullan›lmaya bafllanmas› ve bu çerçevede 29.08.2006 tarih ve 26274 say›l› Resmi Gazete’de yay›nlanan 3 Seri No’lu Vergi Kimlik Numaras› Genel Tebli¤i ile ilgili görüflmeler yap›lm›flt›r. Ayr›ca, Maliye Bakanl›¤›’ndan temin edilen “sadece bugüne kadar Vergi Kimlik No’su alm›fl gerçek kiflilerin TC Kimlik No’sunu gösteren bilgi kütü¤ü”nü içeren CD dileyen flirketlerimize imza karfl›l›¤› elden teslim edilmifltir. 10.07.2005 tarih ve 25871 say›l› Resmi Gazete’de yay›mlanan “Kimlik Paylafl›m› Sistemi Uygulama Yönetmeli¤i” uyar›nca, MERN‹S veri taban›nda yer alan ve sürekli güncellenen kimlik bilgilerine eriflim usul ve esaslar› konusunda flirketlerimiz bilgilendirilmifltir. 86 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 3. BITT Exemption for Insurance Policies provided within the scope of Housing Finance (Mortgage) Upon the Association’s proposal submitted to Planning and Budgetary Commission of the Turkish Grand National Assembly (TGNA), Article 29 of the BITT Law number 6802 was amended by the “Law on the Amendment of Various Laws on Housing Finance System” number 5582; and finally the BITT exemption of the insurance policies provided within the scope of the housing finance system defined in the Article 38/A of the Capital Market Law number 2499 was ensured. Following to the Mortgage Law no 5582, the Circular serial number 84 relating to the remarks on the implementation of BITT exemption for the transactions to be performed within the scope of housing finance system was published in the Official Journal dated 17.04.2007 and number 26496. II. OTHER ACTIVITIES 1. Activities as regards to the Identification Numbers of Persons Meetings were held with the Ministry of Finance on the use of 11 digit Identification number instead of 10 digit Tax Identification Number. Within this framework, the Circular on Tax Identification Number Serial No.3 was published in the Official Journal dated 29.08.2006 and number 26274. Furthermore the CDs provided by the Ministry of Finance and including the Identification Numbers of the real persons who have been given Tax Identification Number up to now were delivered to the companies. The companies were also informed as regards to the rules and principles of accession to MERNIS data base to check the identification information of persons under the “Regulation on Implementation of Identification Sharing System” published in the Official Journal dated 10.07.2005 and number 25871. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 1. MAL‹ KONULARDAK‹ FAAL‹YETLER 1. ACTIVITIES IN FISCAL MATTERS 2. MASAK Nezdinde Yap›lan Faaliyetler 2. Works Carried out with Financial Crimes Investigation Board (MASAK) Maliye Bakanl›¤› Mali Suçlar› Araflt›rma Kurulu (MASAK) ile iliflkilerin gelifltirilmesi amaçlanm›flt›r. Ülkemizin kara para aklama ve terörün finansman›yla mücadele sistemini de¤erlendirmek üzere OECD bünyesinde kurulan Mali Eylem Görev Gücü (FATF) taraf›ndan gerçeklefltirilen incelemeler kapsam›nda, MASAK ile görüfl al›flveriflinde bulunmak üzere A¤ustos ay›nda Ankara’da MASAK Baflkanl›¤›nda yap›lan görüflmenin ard›ndan, 12 Eylül 2006 tarihinde ‹stanbul’da FATF heyeti ile bir görüflme gerçeklefltirilmifltir. FATF raporunun olumlu ç›kmas› amac›yla MASAK taraf›ndan Birli¤imize iletilen sorular cevaplanm›fl, FATF taslak Türkiye raporuna gerekli ilavelerin yap›lmas› önerilmifltir. The Association aimed at improving the relations with MASAK. After the meeting held in MASAK Head Office in Ankara in August for the purpose of exchanging views within the scope of the examinations to be made by the Financial Action Task Force (FATF) founded within the structure of OECD in order to assess the prevention system of money laundering and financing of terrorism, a meeting was held with FATF representatives in Istanbul on September 12, 2006. In the aftermath of the meeting, the questions delivered to the Association by MASAK were answered and some amendments to the draft FATF Turkey report were suggested. Ayr›ca, MASAK taraf›ndan haz›rlanan “MASAK Yay›n No:9 fiüpheli ‹fllem Bildirim Rehberi” isimli yay›n, tüm flirketlerimize iletilmek üzere bu Kurumdan temin edilerek flirketlerimize da¤›t›lm›flt›r. Furthermore, “MASAK Publication No:9 on Suspicious Transactions Reporting Guide” prepared by MASAK was acquired and delivered to all companies. Di¤er taraftan, 11.10.2006 tarih ve 5549 say›l› “Suç Gelirlerinin Aklanmas›n›n Önlenmesi Hakk›nda Kanun”un uygulamas›na yönelik olarak MASAK taraf›ndan haz›rlanan “Suç Gelirlerinin Aklanmas›n›n ve Terörün Finansman›n›n Önlenmesine Dair Tedbirler Hakk›nda Yönetmelik” Tasla¤›na iliflkin olarak, özellikle Tasla¤›n sigorta ifllemlerine iliflkin spesifik düzenlemeler öngören 27nci maddesine iliflkin görüfllerimiz MASAK’a iletilmifltir. Furthermore, with regard to the Draft Regulation on the implementation of the “Law on the Prevention of Laundering Proceeds of Crime” dated 11.10.2006 and number 5549, our opinions especially relating to article 27 of the Draft stipulating specific regulations for the insurance transactions were delivered to MASAK. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 87 2. F‹NANSAL KONULARDAK‹ FAAL‹YETLER VE PROJELER 2. ACTIVITIES AND PROJECTS IN FINANCIAL MATTERS 2.1. HAZ‹NE MÜSTEfiARLI⁄I NEZD‹NDE YAPILAN ÇALIfiMALAR 2.1. WORKS CARRIED OUT WITH THE UNDERSECRETARIAT OF TREASURY fiubat 2006 tarihinde Hazine Müsteflarl›¤› Sigortac›l›k Genel Müdürlü¤ü yetkilileri ile Birli¤imiz yetkililerinin kat›ld›¤› ve hayat sigortalar›nda vergisel uygulamalar›n ele al›nd›¤› toplant›da konuyla ilgili Maliye Bakanl›¤›’na aktar›lacak önerilere iliflkin görüflmeler yap›lm›flt›r. Hazine Müsteflarl›¤› taraf›ndan haz›rlanan “Sigorta, Reasürans ve Emeklilik fiirketlerinin Sermaye Yeterlili¤inin Ölçülmesine ve De¤erlendirilmesine ‹liflkin Yönetmelik” tasla¤› ile ilgili olarak Ocak 2006 tarihinde Hazine Müsteflarl›¤› ile görüflmeler gerçeklefltirilmifltir. Müsteflarl›kça haz›rlanan her bir taslak hakk›nda görüfl ve önerilerini sunan Birli¤imiz, Yönetmeli¤in, Türk sigorta sektörünün gerçeklerini de dikkate almak kayd›yla, AB uygulamalar›yla paralel flekilde ç›kar›lmas› için çal›flmalarda bulunmufltur. Söz konusu Yönetmelik 23.03.2006 tarih ve 26117 say›l› Resmi Gazete’de yay›nlanm›flt›r. 5520 say›l› Kurumlar Vergisi Kanunu’nun yasalaflmas›n›n ard›ndan matematik karfl›l›klar›n yat›r›ma yönlendirilmesinden elde edilen gelirler üzerinden tevkif edilen stopajlar›n sigortal›lara da¤›t›lmas› aflamas›nda hangi yöntemin izlenece¤ine iliflkin Sigortac›l›k Genel Müdürlü¤ü ile görüflmeler yap›lm›fl ve yaz›l› görüfllerimiz iletilmifltir. Finansal Analiz Oranlar›na iliflkin Genelgenin de¤ifltirilmesiyle ilgili olarak Ankara’da Sigortac›l›k Genel Müdürlü¤ü yetkilileriyle görüflmeler yap›larak Birli¤imizin görüflleri aktar›lm›fl ve de¤ifliklik önerileri iletilmifltir. Bu çerçevede haz›rlanan iki tasla¤a iliflkin görüfllerimiz yaz›l› olarak Müsteflarl›¤a gönderilmifltir. Sigorta ve Reasürans fiirketlerinin Teknik Karfl›l›klar›na ve Bu Karfl›l›klar›n Yat›r›laca¤› Varl›klara ‹liflkin Yönetmelik Tasla¤›na iliflkin Sigortac›l›k Genel Müdürlü¤ü yetkilileriyle görüflmeler yap›larak Birli¤imizin görüflleri aktar›lm›fl ve haz›rlanan her bir tasla¤a iliflkin de¤ifliklik önerilerimiz iletilmifltir. Yönetmelik 04.05.2007 tarihli, 26512 say›l› Resmi Gazete’de yay›mlanm›flt›r. IMF ve Dünya Bankas› taraf›ndan ortaklafla düzenlenen Mali Sektörün De¤erlendirilmesi Program› (FSAP) çerçevesinde, Türk mali sektörü ve bu kapsamda Türk sigorta sektörü hakk›nda Dünya Bankas› ve IMF taraf›ndan bir rapor haz›rlanacak olup, bu kurulufllardan yetkililer Nisan 2006 tarihinde ülkemize gelerek, sigortac›l›kla ilgili kurum, kurulufl ve flirketleri ziyaret etmifllerdir. Bu çerçevede Birli¤imizce, Uluslararas› Sigorta Denetçileri Birli¤i’nin bugüne kadar yay›nlad›¤› 28 adet denetim standard›n›n içeri¤ine iliflkin kapsaml› bir bilgi notu haz›rlanarak Müsteflarl›¤a iletilmifltir. Denetimler s›ras›nda ‹ngilizcesine ihtiyaç duyulaca¤› belirtilen yasal düzenlemelerin çevirileri de yap›larak Müsteflarl›¤a gönderilmifltir. Ayr›ca, Birli¤imizce destek verilen ön haz›rl›klar sonras›nda, 13.04.2006 tarihinde Birli¤imizle FSAP program› çerçevesinde denetimlerini sürdüren IMF ve Dünya Bankas› yetkilileri aras›nda Türk Sigorta Sektörüne iliflkin bir görüflme yap›lm›flt›r. 88 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ In the meeting held on February 2006 between the General Directorate of Insurance of the Undersecretariat of Treasury and the Association, the proposals to be submitted to the Ministry of Finance as regards to tax-specific practices that apply to life insurance policies were discussed. Meetings were held with the Undersecretariat of Treasury on January 2006 with regard to the draft “Regulation on the Measurement and Assessment of Capital Requirements of the Insurance, Reinsurance and Pension Companies”. The Association submitting its opinions and proposals about each draft prepared by the Undersecretariat exerted efforts to ensure that the Regulation was adopted parallel to the EU practices and also by taking into account the realities of Turkish insurance sector. The said Regulation was published in the Official Journal dated 23.3.2006 and number 26117 in line with the Association’s opinions. After the enactment of the Corporate Tax Law number 5520, meetings were held with the General Directorate of Insurance with regard to the method to be applied at the phase of distribution of the withholdings deducted over the incomes obtained from directing the mathematical reserves to investment to the insured; and the Association’s opinions were delivered. Meetings were held with the General Directorate of Insurance with regard to the financial ratios; the Association’s opinions and its suggestions for amendments were submitted. Within this framework, our opinions regarding to each draft prepared were delivered to the Undersecretariat. Meetings were held with the General Directorate of Insurance with regard to the “Draft Regulation on Technical Reserves of Insurance, Reinsurance and Pension Companies and the Assets That Such Reserves Shall be Invested in”; the Association’s opinions were submitted; and its suggestions for amendment for each draft prepared were delivered. The Regulation was published in the Official Journal dated May 4, 2007 and number 26512. Within the framework of Financial Sector Assessment Program (FSAP) arranged mutually by the IMF and the World Bank a report will be mutually prepared on Turkish financial industry. Within this scope, in order to assess the Turkish insurance industry, the authorities of IMF and World Bank came to Istanbul in April 2006. The Association prepared a comprehensive information note relating to the content of 28 supervisory standards published by the International Association of Insurance Supervisors (IAIS) and delivered to the Undersecretariat. Some of the legal regulations were also translated into English and sent to the Undersecretariat. Furthermore, after the preliminary preparations supported by the Association, a meeting on Turkish Insurance Industry was held on 13.04.2006 between the Association and the authorities of the IMF and the World Bank within the FSAP framework. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2. F‹NANSAL KONULARDAK‹ FAAL‹YETLER VE PROJELER 2. ACTIVITIES AND PROJECTS IN FINANCIAL MATTERS 2.2. AB “SOLVENCY II PROJES‹” KONUSUNDAK‹ FAAL‹YETLER 2.2. ACTIVITIES RELATING TO THE EU “SOLVENCY II PROJECT” Avrupa Birli¤i’nde çal›flmalar› devam eden Solvency II Projesi Birli¤imizce yak›ndan takip edilmektedir. Bu çerçevede, Birli¤imizce konuyla ilgili çeflitli yay›nlar ve raporlar da haz›rlanmakta ve geliflmeler Birli¤imizin web sitesinden sektöre duyurulmaktad›r. The Association closely follows the Solvency II Project of the European Union. The Association prepares various publications and reports relating to it and developments are announced to the industry in the Association’s web-site within this framework. Ayr›ca, Avrupa Sigorta ve Reasürans Federasyonu’nun (CEA) Ekonomi ve Finans Komitesi (ECOFIN) toplant›lar›na da kat›lan Birli¤imiz, CEA arac›l›¤›yla Solvency II ile ilgili Avrupa çap›nda görüfl oluflturulmas› çal›flmalar›na destek vermektedir. Bu sürece daha fazla katk›da bulunmak ve flirketlerimizin görüfl ve önerilerinin dikkate al›nmas›n› sa¤lamak üzere Birli¤imiz nezdinde “Solvency II Komitesi” kurulmufltur. Hayat ve hayat-d›fl› branfllarda çal›flan flirketlerimizden gelen isimler do¤rultusunda konunun uzmanlar›ndan kurulan ve Solvency II Projesi tamamlanana kadar çal›flmalar›na devam edecek olan 10 kiflilik Komite, ilk toplant›s›n› 13 Haziran 2006 günü yaparak çal›flmalar›na bafllam›flt›r. Furthermore, the Association is also participating in the meetings of the Economy and Finance Committee (ECOFIN) of the European Insurance and Reinsurance Federation (CEA) and supports its efforts of forming opinions relating to Solvency II. In order to contribute to this process, to ensure that the opinions and suggestions of the companies are taken into consideration and to inform the Turkish insurance sector, the “Solvency II Committee” has been founded under the umbrella of the Association. The Committee consisting of 10 persons working in life and non-life branches and specialized in capital requirements regulations, started its activities on June 2006. The Committee shall maintain its activities until Solvency II Project is completed. Bu çerçevede, sermaye gereklili¤iyle ilgili Standart Yaklafl›ma (Standard Approach) iliflkin sektör ad›na görüfl oluflturulmufl ve CEA taraf›ndan konuya iliflkin gönderilen soru formlar› doldurulmufltur. Ayr›ca, Solvency II Direktifi ile birlikte yay›nlanacak olan Etki De¤erlendirme Raporunda, flirketlerimizin de görüfllerinin dikkate al›nmas›n› ve Solvency II uygulamalar›n›n Türk sigorta sektörüne olan etkilerinin görülebilmesini teminen, flirketlerimizin online Etki De¤erlendirme anketine kat›lmas› sa¤lanm›flt›r. Mart 2007 tarihinde Avrupa Komisyonunca haz›rlanan taslak Direktifler Komite ile de paylafl›lm›flt›r. 2.3. D‹⁄ER FAAL‹YETLER 2.3.1. IAIS ile ‹lgili Faaliyetler ve Yay›nlar Birli¤imiz gözlemcisi oldu¤u Uluslararas› Sigorta Denetçileri Birli¤i (IAIS) taraf›ndan yap›lan çal›flmalar› yak›ndan takip ederek, Ekim 2006 tarihinde kabul edilenler de dahil olmak üzere IAIS standartlar›n›n özet çevirilerini yaparak Hazine Müsteflarl›¤›’na sunmufltur. Ayr›ca, “Sigorta Araflt›rma ve ‹nceleme Yay›nlar›” dizisinin dokuzuncu kitab› olan “Avrupa Birli¤i ve Türk Sigorta Sektöründe Denetim” adl› kitap yay›nlanm›flt›r. Çal›flmada, Uluslararas› Sigorta Denetçileri Birli¤i (IAIS) taraf›ndan sigorta sektöründe kamu denetimine iliflkin olarak oluflturulan küresel standartlar ile Avrupa Birli¤i’nde ve ülkemizde sigorta sektöründe kamu denetimine, ba¤›ms›z denetime ve iç denetime iliflkin oluflturulan kurum, kurulufl ve standartlar aç›klanm›flt›r. 2.3.2. Türkiye Muhasebe Standartlar› Kurulu (TMSK) Nezdinde Yap›lan Faaliyetler Türkiye Muhasebe Standartlar› Kurulu (TMSK) taraf›ndan yay›nlanan “sigorta sözleflmeleri TFRS 4” nolu standard›n tasla¤›na iliflkin Birli¤imizin görüflleri TMSK’ya iletilmifltir. Ayr›ca Birli¤imiz Nisan 2006 tarihinde Ankara’da yap›lan TMSK tan›t›m toplant›s›na da kat›lmak suretiyle, Türk Ticaret Kanunu’nun yasalaflmas›yla birlikte muhasebe standartlar›n›n oluflturulmas›nda yetkili tek otorite haline gelecek olan TMSK ile yak›n iliflkilerini sürdürmektedir. Bu çerçevede 28 Aral›k 2006 tarihinde TMSK Genel Sekreteri makam›nda ziyaret edilerek TMSK taraf›ndan yay›nlanan muhasebe standartlar› ve bu standartlar›n sigorta sektörüne de uygulanmas› konular›nda görüfl al›flveriflinde bulunulmufltur. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ Within this framework, the Committee set forth an opinion on the Standard Approach relating to the capital requirement and the CEA questionnaires related to it were filled in. Furthermore, it was ensured that the companies took part in the online Impact Assessment Survey for their views to be taken into account for the Impact Assessment Report to be published by the European Commission along with Solvency II Directive. 2.3. OTHER ACTIVITIES 2.3.1. Activities and Publications relating to IAIS The Association closely followed the efforts of the International Association of Insurance Supervisors (IAIS) as its observer, and prepared brief translations of IAIS standards, including those approved on October 2006, and delivered them to the Undersecretariat of Treasury. Furthermore a book named “Supervision in the European Union and Turkish Insurance Sector” was published. The book explains the global insurance supervision standards established by the International Association of Insurance Supervisors (IAIS), and institutions and standards relating to supervision, independent auditing and internal auditing in the EU and Turkish insurance sector. 2.3.2. Works Carried out with Turkish Accounting Standards Board (TASB) The Association’s opinions relating to the draft standard on “IFRS 4: insurance contracts” published by Turkish Accounting Standards Board (TASB) were delivered to TASB. Furthermore, having participated in TASB introductory meeting held on April 2006 in Ankara, the Association maintains close relations with TASB that shall become the sole authority for the establishment of accounting standards by the enactment of the Turkish Commercial Code. Within this framework, the Association paid a visit to the TASB Secretary General and exchanged views on the implementation of the accounting standards published by TASB in the insurance sector. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 89 90 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY KONFERANSLAR VE YAYINLAR TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ CONFERENCES AND PUBLICATIONS ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 91 1. DÜZENLENEN TOPLANTI, KONFERANS VE SEMPOZYUMLAR 1. MEETINGS, CONFERENCES AND SYMPOSIUM ORGANIZED Sigorta uygulamalar›n›n niteli¤inin art›r›lmas› amac›yla; sektörün güncel konular›n›n tart›fl›ld›¤› ve konuyla ilgili uzmanlar›n sunum yapt›¤›, “Türkiye’nin AB’ye Tam Üyeli¤ine Do¤ru Türk Sigorta Sektörünün Öncelikli Sorunlar›” isimli toplant›lar dizisine 2006 y›l› içerisinde de devam edilmifl, bu kapsamda iki toplant› düzenlenmifltir. 2006 y›l› içerisinde gerçeklefltirilen toplant›lar›n konu bafll›klar› flunlard›r: In order to improve the quality of insurance practices, the series of meetings entitled "Primary Problems of the Turkish Insurance Sector throughout Turkey’s EU Membership” continued in 2006. In these meetings, problematic issues on the insurance agenda were discussed and presentations were made by leading experts in the field. The two meetings held within this scope in 2006 have been as follows: - “Mortgage Sigorta Ürünleri” – 08.02 2006 - “Konut Finansman› Kanun Tasar›s›n›n De¤erlendirilmesi” – 31.03.2006 03.03.2006 tarihinde, Alt› Nokta Körler Derne¤i ile iflbirli¤i içerisinde, dernek üyeleri ve di¤er görme özürlülere yönelik “Sigorta Tan›t›m› ve Engellilerin Sorunlar›” bafll›kl› bir seminer düzenlenmifltir. Üç oturumdan oluflan seminere milletvekilleri, akademisyenler ve çok say›da davetli kat›lm›flt›r. - "Mortgage Insurance Products" - 08.02.2006 - "Assessment of Draft Law on Housing Finance" - 31.03.2006 In cooperation with Alt› Nokta Körler Derne¤i (Association Six Points for the Blind), a seminar on “Insurance and Problems Encountered by the Disabled” was held on 3 March 2006 for the members of the association and blind people. Parliament members, academicians and many guests participated to the seminar, which consisted of three sessions. 16.05.2006 tarihinde, Lütfi K›rdar Kongre ve Sergi Saray›’nda “Küresel Sigorta Piyasalar› ve Türk Sigorta Sektörünün Rekabet Gücü” konulu ‹kinci Ulusal Sigorta Sempozyumu gerçeklefltirilmifltir. Sempozyuma, sigortac›l›kla ilgili tüm çevreler, bas›n mensuplar›, sektör çal›flanlar› ve çok say›da davetli kat›lm›flt›r. Aç›l›fl konuflmalar› TSRfiB Yönetim Kurulu Baflkan› Say›n Hulusi Taflk›ran ve Hazine Müsteflar Yard›mc›s› Say›n Burhanettin Aktafl taraf›ndan yap›lan sempozyumdaki oturum bafll›klar› ise flöyledir: “Türk Sigorta Sektörünün Rekabet Gücü ve Küresel Sigorta Piyasalar›nda Rekabet Sorunlar›”, “Rekabet Gücünü Artt›r›c› Önlemler: Sorumluluk Sigortalar›”, “Sigorta Sektörünün Rekabet Gücünün Artt›r›lmas›nda Hayat ve Sa¤l›k Sigortalar›n›n Rolü”, “Sigorta Sektörünün Rekabet Gücünün Artt›r›lmas›nda Arac›lar ve Di¤er Aktörlerin Rolü”. On 16 May 2006, the Second National Insurance Symposium "Global Insurance Markets and the Competitiveness of the Turkish Insurance Industry" was held at Lütfi K›rdar Conference and Exhibition Center. All insurance environs, members of the press, employees of the industry and many guests participated to the symposium. Opening speeches were made by Mr. Hulusi Taflk›ran, Chairman of the Association of the Insurance and Reinsurance Companies of Turkey (TSRfiB) and Mr. Burhanettin Aktafl, Deputy Undersecretary of Treasury. The sessions of the symposium were as follows: "Competitiveness of the Turkish Insurance Sector and Competition Problems in Global Insurance Markets", "Measures to Increase Improving the Competitive Power of the Insurance Sector", "Role of Intermediaries and Other Players in Improving the Competitive Power of the Insurance Sector". 15–17 Haziran 2006 tarihleri aras›nda Avrupa Sigorta ve Reasürans Federasyonu (CEA) taraf›ndan her y›l Haziran ay›nda bütün Avrupal› üye ülkelerin kat›l›m›yla düzenlenen Genel Kurul toplant›lar›, ‹stanbul’da, Ceylan Inter-Continental Otel’de, Birli¤in ev sahipli¤inde gerçeklefltirilmifltir. ‹stanbul’da 53üncüsü düzenlenen CEA Genel Kurul Toplant›lar›’n›n ilk gününde CEA Baflkanlar Konseyi Toplant›s›, CEA Genel Direktörler Toplant›s› ve Delegasyon Baflkanlar› Toplant›lar› gerçeklefltirilmifl, bu toplant›larda CEA’n›n 2007 y›l› stratejileri, Avrupa sigorta sektörünün gündemini belirleyen temel konulara iliflkin politikalar›, komitelerin gerçeklefltirdi¤i çal›flmalar kapsaml› olarak ele al›nm›flt›r. Toplant›lar›n ikinci günü ise, CEA Genel Kurul Toplant›s›yla bafllam›fl, gündemdeki konular ile CEA’n›n 2006–2007 Stratejik Plan› ve Bütçesi üyelerin onay›na sunulmufltur. General Assembly Meetings organized every year in June by the European Insurance and Reinsurance Federation (CEA) with the participation of all European member countries was held between June 15 and 17, 2006, at Ceylan Inter-Continental Hotel, in Istanbul. On the first day of the 53rd CEA General Assembly Meetings; CEA Presidential Council Meeting, CEA DG Conference Meeting and Committee Chairpersons Meeting were held; 2007 strategies of CEA, its policies on the basic issues defining the agenda of the European insurance industry, activities of the committees were discussed comprehensively. On the second day of the meetings, CEA General Assembly Meeting was held, the items on the agenda and CEA's 2006-2007 Strategic Plan and Budget were submitted for approval of the members. Birlik ev sahipli¤inde büyük bir baflar›yla gerçeklefltirilen CEA 2006 y›l› Genel Kurul Toplant›s› sonras›nda CEA üst düzey yönetimi gerek yaz›l› gerekse sözlü olarak Birli¤e teflekkürlerini sunmufltur. CEA yöneticileri CEA Genel Kurul Toplant›lar› içinde en mükemmel organize edilen toplant›n›n Birlik ev sahipli¤inde gerçeklefltirildi¤ini önemle vurgulam›flt›r. CEA executives and participants from European associations expressed their gratitude for the organization of a successful and remarkable CEA 2006 General Assembly. Birlik, sigorta sektöründeki güncel konular› ve ilgili konularda gerçeklefltirdi¤i ve/veya gerçeklefltirece¤i çal›flmalar› sektörle paylaflmak amac›yla, 16.02.2007 tarihinde Ramada Plaza Otel’de “Sigortac›l›k Sektör Toplant›s›” ad› alt›nda bir toplant› düzenlemifltir. 92 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ "Insurance Sector Meeting 2006" was organized by the Association on 16 February 2007, at Ramada Plaza Hotel, aiming to inform the industry about the current issues in the insurance industry and efforts exerted/to be exerted for relevant issues. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 2. YAYINLAR 2. PUBLICATIONS Türkiye’de sigortac›l›¤›n geliflimine katk›da bulunmak, bu alandaki güncel konular›n› ele alarak, sektörü ve kamuoyunu bilgilendirmek amac›yla haz›rlanan “Birlik’ten Dergisi”; 2006 y›l›nda, ‹ncelemeAraflt›rma, Söylefli, Türkiye'de Sigorta E¤itimi, AB ve Sigortac›l›k gibi birçok bölümün yer ald›¤› yeni içeri¤iyle, fiubat, May›s, A¤ustos ve Kas›m aylar›nda olmak üzere, dört kez yay›mlanm›flt›r. Dergi, sigorta flirketlerinden üniversitelere, kamu kurumlar›ndan sivil toplum kurumlar›na kadar toplumun sigorta ile ilgili tüm kesimlerine ulaflt›r›lm›flt›r. “Birlik’ten”, the quarterly publication of the Association, which aims at contributing to the development of insurance in Turkey and informing the sector and public by focusing on the main issues on the agenda, was published in February, May, August and November 2006. The sections of “Birlik’ten” were reorganized and new sections were added such as “EU and Insurance”, “Insurance Education in Turkey” and “Research, Studies and Interviews”. The periodical was delivered to all insurance environs ranging from insurance companies to universities, public institutions to non-governmental organizations. Temmuz-2006’da, ülkemizin çeflitli üniversitelerinden akademisyenlerin, sigorta flirketlerinde ve sigortac›l›k ile ilgili kurumlarda görev yapan uzmanlar›n haz›rlam›fl olduklar› çal›flmalardan oluflan ve özellikle sektörün gündemindeki gerek teknik, gerek teorik konular›n incelendi¤i bir kaynak niteli¤inde olan, “Sigorta Araflt›rmalar› Dergisi”nin ikinci say›s› yay›mlanm›fl ve sigortac›l›k ile ilgili tüm çevrelere ulaflt›r›lm›flt›r. The second edition of the “Insurance Studies Periodical” was published in July 2006 and delivered to all insurance environs. The periodical enshrines articles relating to technical and theoretical studies on insurance conducted by academicians from universities around Turkey and insurance experts and executives. 2006 y›l› içerisinde, sigortac›l›k sektörünün, rekabet seviyesinin art›r›labilmesi aç›s›ndan önem tafl›yan konularda, geliflmifl ülkelerin ve ülkemizin sigorta sektörlerini inceleyen ve Türk sigorta sektörünü geliflmifl ülkeler ile mukayese ederek, geliflimi için çözüm önerileri sunan çal›flmalardan oluflan, “Sigorta Araflt›rma ve ‹nceleme Yay›nlar›” adl› araflt›rma dizisinden yedi yeni kitap ç›km›flt›r. Bu kitaplar flöyle s›ralanmaktad›r: • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-III: “Sigorta Sektöründe Uluslararas› Finansal Raporlama Standartlar›: Kurumlar ve Standartlar›n Özetleri” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-IV: “Sigorta Konusunda Ortaya Ç›kan Uyuflmazl›klar›n Alternatif Yöntemlerle Çözümü (ADR): Avrupa Uygulamalar›” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-V: “Avrupa Birli¤i ve Türk Sigorta Muhasebesi: Uluslararas› Finansal Raporlama Standartlar›yla Karfl›laflt›rmal›” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VI: “Sigorta fiirketlerinin Mali Analizi - Erken Uyar› Sistemi ve Derecelendirme (Rating)” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VII: “Mortgage ve Mortgage Sigortalar›” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-VIII: “Avrupa Birli¤i’nde Sigorta Arac›lar› Sigorta Arac›l›¤›na ‹liflkin 2002/92/EC say›l› Avrupa Parlamentosu ve Konsey Direktifi” • Sigorta Araflt›rma ve ‹nceleme Yay›nlar›-IX: “Avrupa Birli¤i ve Türk Sigorta Sektöründe Denetim” In 2006, seven new books were published as part of the “Research and Studies on Insurance” series consisting of the studies analyzing the insurance industries of developed countries and Turkey and suggesting solutions for development comparing Turkish insurance industry with the insurance industries of developed countries. These books are as follows: • Research and Studies on Insurance-III: “International Financial Reporting Standards in the Insurance Sector: Institutions and Summaries of the Standards” • Research and Studies on Insurance-IV: “Alternative Dispute Resolution in the Insurance Solution of the Insurance Specific Conflicts by Alternative Methods (ADR): Practices in the European Union” • Research and Studies on Insurance-V: “European Union and Turkish Insurance Accounting: In Comparison with International Financial Reporting Standards” • Research and Studies on Insurance-VI: “Financial Analysis of Insurance Companies-Early Warning System and Rating” • Research and Studies on Insurance-VII: “Mortgage and Mortgage Insurance Products” • Research and Studies on Insurance-VIII: “Insurance Intermediation in the European Union- European Parliament and Council Directive 2002/92/EC on Insurance Intermediation” • Research and Studies on Insurance-IX: “Supervision in the European Union and Turkish Insurance Sector” Birlik taraf›ndan gerçeklefltirilen ulusal ve uluslararas› sempozyum, seminer ve toplant›larda sunulan tebli¤ler ile yap›lan di¤er konuflmalar›n, toplant›ya kat›lamayan sektör temsilcilerine ve tüm ilgililere aktar›labilmesi ve sigortac›l›k konusunda Türkçe kaynak s›k›nt›s› yaflayan çevrelerin ihtiyaçlar›n›n karfl›lanabilmesi amac›yla, toplant› kay›tlar› kitap olarak yay›mlanm›fl ve ilgili çevrelere ücretsiz olarak gönderilmifltir. Bu kapsamda 2006 y›l› içerisinde yay›mlanan kitaplar flöyle s›ralanmaktad›r: Meeting records were transcribed and compiled in books in order to communicate the presentations and speeches made during national and international symposiums, seminars and meetings organized by the Association, to the representatives of the industry and all relevant parties who could not participate in the meetings and to meet the requirements of the milieus facing lack of resources in Turkish. These books were delivered to all insurance environs free of charge. The books published in 2006 within this framework are as follows: TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 93 2. YAYINLAR 2. PUBLICATIONS - TSRSB-World Bank 1.International Insurance Symposium ‘’Insurance and Reinsurance For Natural Catastrophe Risk’’ Kitab› (‹ngilizce) - TSRfiB-World Bank First International Insurance Symposium "Insurance and Reinsurance for Natural Catastrophe Risk" Book (English) - TfiRfiB-Dünya Bankas› ‘’Do¤al Afet Riskleri için Sigorta ve Reasürans’’ I. Uluslararas› Sigorta Sempozyumu Kitab› - TSRfiB-World Bank First International Insurance Symposium "Insurance and Reinsurance for Natural Catastrophe Risk" Book (Turkish) - Türkiye’nin Avrupa Birli¤ine Tam Üyeli¤ine Do¤ru, Türk Sigorta Sektörünün Öncelikli Sorunlar› Toplant›lar› IV-V ‘’Mortgage Sigorta Ürünleri’’ – ‘’Konut Finansman› Kanunun Tasar›s›n›n De¤erlendirilmesi’’ Kitab› - CEA - TSRfiB Ortak Konferans› Sigorta Sektörü: Avrupa Toplumu ve Ekonomisinin Karfl› Karfl›ya Bulundu¤u Sorunlara Çözüm Önerileri / CEA - TSRfiB Joint Conference The Insurance Industry: Meeting New Challenges Facing European Society And Economy (Türkçe‹ngilizce) - II. Ulusal Sigorta Sempozyumu “Küresel Sigorta Piyasalar› ve Türk Sigorta Sektörünün Rekabet Gücü” Kitab› Türk sigorta sektörünün Avrupa Birli¤i tek sigorta piyasas›na uyum sürecinde, toplumda sigortayla ilgili tüm taraflar›n, özellikle sigorta flirketi çal›flanlar›n›n bilgilendirilmesi amac›yla yürütülen çal›flmalar “15 Soruda Avrupa Birli¤i ve Avrupa Tek Sigorta Piyasas›” bafll›kl› bir kitapç›k alt›nda yay›mlanm›flt›r. Kitapç›k, Avrupa Birli¤i ve Tek Sigorta Piyasas› hakk›nda en çok merak edilen konular› 15 soru bafll›¤›nda mercek alt›na alm›flt›r. 94 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ - "Priority Issues of the Turkish Insurance Industry Towards Turkey's Membership to the European Union Meetings" IV-V "Mortgage Insurance Products" - "Assessment of Draft Law on Housing Finance" Book - TSRfiB-CEA Joint Conference Insurance Industry: Meeting New Challenges Facing European Society and Economy (Turkish-English) - Second National Insurance Symposium "Global Insurance Markets and the Competitiveness of the Turkish Insurance Industry" Book The Association prepared a booklet entitled "European Union and EU Single Insurance Market in 15 Questions" within the framework of its efforts aiming at informing all relevant parties, especially the employees of insurance companies during the Turkish insurance market's harmonization process with the EU Single Insurance Market. The main issues of concern about the EU and the single insurance market were discussed under 15 questions in the booklet. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 3. D‹⁄ER FAAL‹YETLER 3. OTHER ACTIVITIES 2006 y›l›nda da, sigorta e¤itiminin niteli¤inin art›r›lmas› amac›yla, sigortac›l›k meslek yüksekokullar›nda ve sigorta ile ilgili di¤er yüksekö¤retim kurumlar›nda, “Sigorta E¤itim Seminerleri” ismi alt›nda, seminerler düzenlenmeye devam edilmifltir. Seminerlerde; Türk sigorta sektörü, sektörde insan kaynaklar›, DASK ve bireysel emeklilik sistemleri, Avrupa Birli¤i tek sigorta piyasas›, Türk sigorta sektörünün kurumlar›, yap›s› ve geliflimi, Türk finans sektörüne Atatürk’ün etkisi, Avrupa tek finansal piyasas› ve Avrupa Birli¤i’nin yap›s› ve kurumlar› konular›na iliflkin sunumlar gerçeklefltirilmifltir. Söz konusu Üniversiteler flunlard›r: Organization of “Insurance Training Seminars” continued also in 2006 in vocational schools and other higher education institutions pertaining to insurance for the purpose of the improvement of the quality of insurance education. During the seminars, presentations relating to human resources in the industry; TCIP (Turkish Catastrophe Insurance Pool); the private pension system; single European Union insurance market; institutions, structure and development of the Turkish insurance industry; Atatürk’s contribution to the Turkish finance sector; single European financial market and the structure and institutions of the European Union were made. The abovementioned universities and insurance schools are as follows: - 10 Mart 2006’da, Adnan Menderes Üniversitesi Yenipazar Meslek Yüksekokulu, - 05 Nisan 2006’da, ‹stanbul Üniversitesi Sosyal Bilimler Meslek Yüksekokulu, - 13 Nisan 2006’da, Kocaeli Üniversitesi Kand›ra Meslek Yüksekokulu, - 20 Nisan 2006’da, Celal Bayar Üniversitesi Demirci Meslek Yüksekokulu, - 2 May›s 2006'da, Uluda¤ Üniversitesi Sosyal Bilimler Meslek Yüksekokulu, - 26 May›s 2006'da, Gaziantep Üniversitesi Gaziantep Meslek Yüksekokulu, - 2 Kas›m 2006’da, Giresun Üniversitesi Tirebolu Meslek Yüksekokulu, - 3 Kas›m 2006’da, Karadeniz Teknik Üniversitesi Vakf›kebir Meslek Yüksekokulu, - 22 Kas›m’da 2006’da, Hacettepe Üniversitesi Fen Fakültesi Aktüerya Bölümü. Türk sigorta sektörünün istihdam yap›s›n›n niteli¤inin artt›r›lmas› için, Türkiye’deki sigorta e¤itiminin niteli¤inin artt›r›lmas› projesi kapsam›nda, sigorta flirketlerinin üst düzey yöneticileri nezdinde gerçeklefltirilen anket çal›flmas› tamamlanm›flt›r. TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ - Adnan Menderes University, Vocational College of Yenipazar, on March 10, 2006, - Istanbul University, Vocational College of Social Sciences, on April 5, 2006, - Kocaeli University, Vocational College of Kand›ra, on April 13, 2006, - Celal Bayar University, Vocational College of Demirci, on April 20, 2006, - Uluda¤ University, Vocational College of Social Sciences, on May 2, 2006, - Gaziantep University, Vocational College of Gaziantep, on May 26, 2006, - Giresun University, Vocational College of Tirebolu, on November 2, 2006, - Black Sea Technical University, Vocational College of Vakf›kebir, on November 3, 2006, - Hacettepe University, Faculty of Science, Actuarial Department, on November 22, 2006. The survey aiming at top executives of the insurance industry conducted within the scope of the project of improvement of the quality of the insurance education in Turkey for the improvement of Turkish insurance industry’s employment structure quality was completed. ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 95 96 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY EK S‹GORTA VE REASÜRANS fi‹RKETLER‹N‹N ‹S‹M VE ADRESLER‹ TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ANNEX NAMES AND ADRESSES OF THE INSURANCE AND REINSURANCE COMPANIES ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 97 S‹GORTA fi‹RKETLER‹ INSURANCE COMPANIES fiirket Ad› Company Name ACIBADEM SA⁄LIK VE HAYAT S‹GORTA A.fi. Adres Telefon-Faks No. Address ‹nternet Adresleri Telephone-Fax No.Web Sites Tel.: 0216 571 55 55 Faks: 0216 571 55 56 www.acibademsigorta.com.tr Saniye Ermutlu Sok. Çolako¤lu Plaza No.12 Kozyata¤› / ‹STANBUL AIG S‹GORTA A.fi Emirhan cad.Atakule K.6-7 A Blok Dikilitafl / ‹STANBUL ANADOLU ANON‹M TÜRK S‹GORTA fi‹RKET‹ Büyükdere Cad. ‹fl Kuleleri Kule 2, Kat.21-26 34330 4.Levent/ ‹STANBUL Tel.: 0212 236 49 49 Faks: 0212 236 49 50 www.aig.com Tel.: 0212 393 43 00 Faks: 0212 243 08 61 www.aksigorta.com.tr Tel.: 0212 393 33 00 Faks: 0212 393 34 99 www.akemeklilik.com.tr Tel.: 0212 345 02 20 Faks: 0212 345 02 12 www.alico-measa.com Tel.: 0212 350 03 50 Faks: 0212 350 03 55 www.anadolusigorta.com.tr AKS‹GORTA A.fi Meclisi Mebusan Cad. 147 34427 F›nd›kl› / ‹STANBUL ANADOLU HAYAT EMEKL‹L‹K A.fi. Büyükdere Cad.‹fl Kuleleri Kule 2, Kat.17-18-19-20 34330 4.Levent/ ‹STANBUL Tel.: 0212 317 70 70 Faks: 0212 317 70 77 www.anadoluhayat.com.tr ANKARA ANON‹M TÜRK S‹GORTA fi‹RKET‹ Abide-i Hürriyet Cad. No.285 Bolkan Center A-Blok Ka.2-3-4 34381 fi‹fiL‹ / ‹STANBUL Tel.: 0212 224 01 01 Faks: 0212 291 88 03 www.ankarasigorta.com.tr ANKARA EMEKL‹L‹K A.fi Abide-i Hürriyet Cad. No.285 Bolkan Center A-Blok Ka.2-3-4 34381 fi‹fiL‹ / ‹STANBUL Tel.: 0212 233 06 06 Faks: 0212 291 06 22 www.ankaraemeklilik.com.tr AVIVA S‹GORTA A.fi Fahretin Kerim Gökay Cad. No.172 Küçükçaml›ca 32662 Üsküdar / ‹STANBUL Tel.: 0216 326 94 40 Faks: 0216 325 86 40 www.avivasigorta.com.tr ‹nkilap Mah.Küçüksu Cad.Akçakoca Sok. No.8 Üsküdar / ‹STANBUL Tel.: 0216 633 33 33 Faks: 0216 634 38 88 www.aviva.com.tr Tel.: 0212 334 24 24 Faks: 0212 252 15 15 www.axaoyak.com.tr Tel.: 0212 334 24 24 Faks: 0212 252 15 15 www.axaoyak.com.tr Sigorta A.fi AKEMEKL‹L‹K A.fi AMERICAN LIFE HAYAT S‹GORTA A.fi Sigorta AVIVA HAYAT VE EMEKL‹L‹K A.fi ‹nönü Cad. No. 80 Gümüflsuyu Taksim / ‹STANBUL Eski Büyükdere Cad.Park Plaza No.22 Kat.2 Maslak / ‹STANBUL AXA OYAK S‹GORTA A.fi Meclisi Mebusan Cad. No.81 34433 Sal›pazar› / ‹STANBUL AXA OYAK HAYAT A.fi Meclisi Mebusan Cad. No.81 34433 Sal›pazar› / ‹STANBUL BAfiAK GROUPAMA S‹GORTA A.fi Halaskargazi Cad. No:15 34373 Harbiye/‹STANBUL Tel.: 0212 231 60 00 Faks: 0212 230 76 04-05 www.basak.com.tr Halaskargazi Cad. No:15 34373 Harbiye/‹STANBUL Tel.: 0212 368 22 00 Faks: 0212 232 10 30 www.basakemeklilik.com.tr Yaflar Holding ‹fl Merkezi Ömer Avni Mah. ‹nebolu Sok. No.23 Setüstü - Kabatafl / ‹STANBUL Tel.: 0212 368 22 00 Faks: 0212 232 10 30 www.batisigorta.com.tr B‹RL‹K S‹GORTA A.fi Ankara Cad. No.1 34430 Hocapaflhamam› Sok. Sirkeci / ‹STANBUL Tel.: 0212 513 84 86 Faks: 0212 249 33 84 www.birliksigorta.com B‹RL‹K HAYAT S‹GORTA A.fi Ankara Cad.126/B 34430 Sirkeci / ‹STANBUL Tel.: 0212 513 84 86 Faks: 0212 249 33 84 www.birlikhayatsigorta.com COFACE S‹GORTA A.fi. Büyükdere Cad. Yap› Kredi Plaza B Blok Kat 6 Levent / ‹STANBUL Tel.: 0212 385 99 00 Faks: 0212 269 33 95 www.coface.com DEM‹R S‹GORTA A.fi Büyükdere Cad. Özsezen ‹fl Merkezi 122/B 34492 Esentepe / ‹STANBUL Tel.: 0212 288 68 44 Faks: 0212 274 22 98 www.demirsigorta.com BAfiAK GROUPAMA EMEKL‹L‹K A.fi BATI S‹GORTA A.fi 98 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY S‹GORTA fi‹RKETLER‹ fiirket Ad› Company Name INSURANCE COMPANIES Adres Address Telefon-Faks No. ‹nternet Adresleri Telephone-Fax No.Web Sites DEM‹R HAYAT S‹GORTA A.fi ‹SV‹ÇRE S‹GORTA A.fi ‹SV‹ÇRE HAYAT S‹GORTA A.fi F‹NANS S‹GORTA A.fi FORT‹S EMEKL‹L‹K VE HAYAT A.fi GARANT‹ S‹GORTA A.fi GARANT‹ EMEKL‹L‹K VE HAYAT A.fi GENEL YAfiAM S‹GORTA A.fi GENERALI S‹GORTA A.fi GLOBAL HAYAT S‹GORTA A.fi S‹GORTA Büyükdere Cad.122/B 34492 Esentepe / ‹STANBUL Tel.: 0212 288 68 51 Faks: 0212 274 65 85 www.demirhayat.com K›s›kl› Cad. No:30 34662 Altunizade/‹STANBUL Tel.: 0216 474 20 00 Faks: 0216 474 13 87 www.ergoisvicre.com.tr Kofluyolu Tophanelio¤lu Cad. ‹smail Zühtü Pafla Kona¤› No:11 Altunizade/‹STANBUL Tel.: 0216 544 00 00 Faks: 0216 544 00 10 www.isvicrehayat.com.tr Rüzgarli Bahçe Cumhuriyet Cad.No.10 Acarlar ‹fl Merkezi C Blok Kavac›k-Beykoz / ‹ST Tel.: 0216 522 38 00 Faks: 0216 522 38 43 www.finanssigorta.com.tr Tekfen Tower Eski Büyükdere Cad. No.209 34394 4.Levent/ ‹STANBUL Tel.: 0212 319 32 20 Faks: 0212 357 00 90 www.fortisemeklilik.com.tr Mete Cad. Park Han No.40 34437 Taksim / ‹STANBUL Tel.: 0212 393 10 00 Faks: 0212 249 01 04 www.garanti-sigorta.com.tr Mete Cad. No.38 34437 Taksim / ‹STANBUL Tel.: 0212 334 70 00 Faks: 0212 292 37 00 www.garantiemeklilik.com.tr Meclisi Mebusan Cad. No.89 Dursun Han K.4 34433 Sal›pazar› / ‹STANBUL Tel.: 0212 334 62 00 Faks: 0212 334 62 60 www.genelyasam.com.tr Bankalar Cad. Generali Han 31/33 K.5 34420 Karaköy / ‹STANBUL Tel.: 0212 251 27 88 Faks: 0212 252 18 38 www.generali.com.tr R›ht›m Cad. No.57 34425 Karaköy / ‹STANBUL Tel.: 0212 243 50 50 Faks: 0212 243 50 51 - 52 www.globalhayat.com.tr Tel.: 0212 355 65 65 Faks: 0212 355 64 64 www.gunessigorta.com.tr GÜNEfi S‹GORTA A.fi Büyükdere Cad. Günefl Plaza No.110 34397 Esentepe / ‹STANBUL GÜVEN S‹GORTA A.fi Bankalar Cad. No.81 34420 Karaköy / ‹STANBUL Tel.: 0212 254 79 00/14 Faks: 0212 255 58 88 www.guvensigorta.com GÜVEN HAYAT S‹GORTA A.fi Bankalar Cad. No.81 34420 Karaköy / ‹STANBUL Tel.: 0212 254 79 00/14 Faks: 0212 255 58 88 www.guvenhayat.com.tr Büyükdere Cad. Cem ‹fl Merkezi No: 23 Kat: 7- 8 - 9 fiiflli / ‹STANBUL Tel.: 0212 368 60 00 Faks: 0212 368 60 10 www.hdisigorta.com.tr Büyükdere Cad.Hür Han No. 15/A 34381 fiiflli / ‹STANBUL Tel.: 0212 232 20 10/8 Faks: 0212 246 36 73 - 05 68 www.hursigorta.com.tr Sultanhamam Hobyar Mah. Hocahan› Sok. 18/30 Dirihan No.1107-1108 Eminönü / ‹STANBUL Tel.: 0212 526 70 08 Faks: 0212 526 70 09 www.intersigorta.com IfiIK S‹GORTA A.fi Fevzi Çakmak cad. Do¤an Sok.No.8 Maltepe / ‹STANBUL Tel.: 0216 427 47 57 Faks: 0216 427 47 74 www.isiksigorta.com KOÇ ALLIANZ S‹GORTA A.fi Ba¤larbafl› K›s›kl› Cad. No.11 34662 Altunizade / ‹STANBUL Tel.: 0216 556 66 66 Faks: 0216 556 67 77 www.kocallianz.com.tr Ba¤larbafl› K›s›kl› Cad. No.11 Altunizade 34662 Üsküdar/ ‹STANBUL Tel.: 0216 556 66 66 Tel.: 0216 556 67 77 www.kocallianz.com.tr HDI S‹GORTA A.fi HÜR S‹GORTA A.fi INTER S‹GORTA A.fi KOÇ ALLIANZ HAYAT ve EMEKL‹L‹K A.fi TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY 99 S‹GORTA fi‹RKETLER‹ fiirket Ad› Company Name INSURANCE COMPANIES Adres Address Telefon-Faks ‹nternet Adresleri Telephone-Fax No.Web Sites MAGDEBURGER S‹GORTA A.fi Ba¤larbafl› K›s›kl› Cad. No.11 Altunizade 34662 Altunizade / ‹STANBUL Tel.: 0216 556 72 48-49 Faks: 0216 474 21 50 Cevizli Tugay Yolu No.6 34846 Kartal / ‹STANBUL Tel.: 0216 441 18 00 Faks: 0216 441 18 02 www.merkezsigorta.com Harman Cad. Polat ‹fl MerkeziB Blok Kat:13 34330 fiiflli/‹STANBUL Tel.: 0212 319 07 07 Faks: 0212 319 07 19 www.nly.com.tr Kefeliköy Cad. No.35 Tarabya 34457 Sar›yer / ‹STANBUL Tel.: 0212 363 25 00 Faks: 0212 299 48 49 www.raysigorta.com RUMEL‹ S‹GORTA A.fi Büyükdere Cad. 40/A Rumeli Han K.6 Mecidiyeköy / ‹STANBUL Tel.: 0212 275 00 99 Faks: 0212 275 31 11 RUMEL‹ HAYAT S‹GORTA A.fi Büyükdere Cad. 40/A Rumeli Han K.6 Mecidiyeköy / ‹STANBUL Tel.: 0212 273 04 04 0212 273 03 54-64 Faks: 0212 273 01 61 Meclisi Mebusan Cad. fieker Sigorta Han No.87 34433 F›nd›kl› / ‹STANBUL Tel.: 0212 251 40 70/4 0212 251 40 35/5 Faks: 0212 249 10 46 www.sekersigorta.com.tr MERKEZ S‹GORTA A.fi 6. NEW LIFE YAfiAM S‹GORTA A.fi RAY S‹GORTA A.fi fiEKER S‹GORTA A.fi TEB S‹GORTA A.fi Meclis-i Mebusan Cad. No:127/6 34427 F›nd›kl›/‹STANBUL S‹GORTA Tel.: 0212 292 25 60 Faks: 0212 292 25 71- 72 www.tebsigorta.com.tr T‹CARET S‹GORTA A.fi Teflvikiye Cad. No.119 34200 Niflantafl› / ‹STANBUL Tel.: 0212 231 06 56/3 Faks: 0212 296 66 63 www.ticaretsigorta.com.tr T.GENEL S‹GORTA A.fi Meclisi Mebusan Cad. No.91 34433 Sal›pazar› / ‹STANBUL Tel.: 0212 334 90 00 Faks: 0212 334 90 19 www.genelsigorta.com.tr Fahretin Kerim Gökay Cad. No.16 34662 Altunizade / ‹STANBUL Tel.: 0216 554 11 00 Faks: 0216 554 11 11 www.turknippon.com.tr TOPRAK S‹GORTA A.fi Y›ld›z Posta Cad. No.17 34394 Gayrettepe / ‹STANBUL Tel.: 0212 347 41 00 Faks: 0212 347 41 09 www.topraksigorta.com.tr VAKIF EMEKL‹L‹K A.fi Muallim Naci Cad. No.22 34347 Ortaköy Befliktafl / ‹STANBUL Tel.: 0212 310 37 00 Faks: 0212 310 39 99 www.vakifemeklilik.com.tr Büyükdere Cad. Yap› Kredi Plaza A Blok 34330 Levent/‹STANBUL Tel.: 0212 336 06 06 Faks: 0212 336 08 08 www.yksigorta.com YAPI KRED‹ EMEKL‹L‹K A.fi Büyükdere Cad. Yap› Kredi Plaza A Blok 34330 Levent/‹STANBUL Tel.: 0212 336 76 00 Faks: 0212 336 79 79 www.ykemeklilik.com ARTI REASÜRANS A.fi Girgin Sok. No:1 34345 Arnavutköy/‹STANBUL Tel.: 0212 287 74 74 Faks: 0212 287 97 77 www.artireasurans.com M‹LL‹ REASÜRANS T.A.fi Tevikiye Cad. No.43-57 Tevikiye/ ‹STANBUL 34367 Tel.: 0212 231 47 30 Faks: 0212 230 86 08 www.millire.com Büyükdere Cad.Büyükdere Plaza No.195 Kat.1-2 34394 Levent / ‹STANBUL Tel.: 0212 324 19 50 Faks: 0212 325 61 08 www.tsrsb.org.tr T.N‹PPON S‹GORTA A.fi YAPI KRED‹ S‹GORTA A.fi Emeklilik TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ 100 TÜRK‹YE S‹GORTA VE REASÜRANS fi‹RKETLER‹ B‹RL‹⁄‹ ASSOCIATION OF THE INSURANCE AND REINSURANCE COMPANIES OF TURKEY