Anadolu Anonim Turk Sigorta Sirketi A.s. · BIST:ANSGR
Anadolu Anonim Turk Sigorta Sirketi A.s — Q2 2026 Earnings Presentation
16 slides from Anadolu Anonim Turk Sigorta Sirketi A.s's earnings presentation, July 2026
Slide 1: Anadolu Sigorta 2Q26 Financial Results
ANADOLU SİGORTA 2Q26 Financial Results Fund Management and Investor Relations Department 1
Slide 2: Highlights
Highlights • Growth: Premium volume increased at 24.6 bn TRY in Q1 2026, (+21.9% y/y excl. MTPL) Profitability • Real profitability: Solo RoAE stands at 38,4% (Consolidated 39,1%) • Strong premium production increasing market share in the Health branch, together with a healthy portfolio Technical st
Slide 3: Non-Life Insurance Market
Non-Life Insurance Market Premium Production1 (TL mn) 6M26 6M25 Y/Y(%) Non-Life - Market Shares Competitor 1 Competitor 1 94.213 72.679 29,6% 15,0% Competitor 2 76.033 54.722 38,9% Other 32,5% Competitor 3 54.418 39.622 37,3% Competitor 2 54.190 44.469 21,9% 12,1% Anadolu Sigorta Competitor 4 28.992
Slide 4: Premium Volume and Composition
Premium Volume and Composition Anadolu Sigorta Non-Life Sector1 OTHER Cumulative (TLmn) 6M25 6M26 Y/Y (%) 6M25 6M26 Y/Y (%) 21% MOTOR MOD 8.622 10.047 16,5 65.722 81.908 24,6 32% MTPL 8.016 7.426 -7,4 143.943 166.335 15,6 ANSGR TL54,2 bn Health 10.087 14.363 42,4 107.552 145.001 34,8 HEALTH Fire & N
Slide 5: Market Share & Rank
Market Share & Rank1 Rank Market Share Market Share BRANCHES 6M26 6M26 6M25 Watercraft 1 26,1% 26,5% MOD 1 12,3% 13,1% Transportation 1 15,0% 16,0% Aircraft 2 15,4% 12,3% Aircraft Liability 2 15,5% 13,7% General Liability 2 14,2% 12,8% Fire 3 11,5% 11,3% Health 3 9,9% 9,4% General Losses 3 5,7% 6,2%
Slide 6: Sales Channels
Sales Channels Premium Production – Anadolu Premium Production1 – Sector 60.000 TL mn 700.000 TL mn 10,4% 600.000 50.000 13,0% 14,9% 8,6% 500.000 17,2% 40.000 11,0% 15,5% 15,7% 400.000 17,8% 13,6% 30.000 13,5% 12,3% -1 300.000 20.000 200.000 58,9% 56,2% 62,5% 58,8% 10.000 100.000 0 0 6M25 6M26 6M25
Slide 7: Branch Outlook
Branch Outlook Total Portfolio Fire and Nat. Disasters 114,8% 112,5% 111,8% 110,4% 115,4% 103,4% 121,8% 112,8% 108,7% 107,8% 109,6% 92,1% 122,0% 116,8% CUMULATİVE COMBİNED RATİO QUARTERLY COMBİNED RATİO CUMULATİVE COMBİNED RATİO QUARTERLY COMBİNED RATİO 2Q25 3Q25 4Q25 1Q26 2Q26 6M25 6M26 2Q25 3Q25 4
Slide 8: Technical Profitability – Long-term Perspective
Technical Profitability – Long-term Perspective1 Claims Ratio (%) 6M25 6M26 Combined Ratio (%) 6M25 6M26 MOD 53,9% 69,9% MOD 83,1% 102,7% MTPL 111,4% 111,9% MTPL 140,3% 142,9% Fire 69,0% 59,0% Fire 122,0% 116,8% Health 84,9% 84,6% Health 108,0% 110,9% Accident 12,1% 9,5% Accident 66,9% 67,1% General
Slide 9: Investment Portfolio
Investment Portfolio1 6M2026: Bonds Investment Income2 Quarterly TL 6,4 bn 34% Portfolio Yield Quarterly 8,7% (34,6% simp. ann.) AuM at TL 89 bln 100 89,0 90 78,3 5,7% 82,8 7,4% 6% Equity 80 72,3 8% 8% 8% 8,4% 7% 5% Short Term 70 63,9 13,1% 4% 5% 5% Interest 60 9% 28% 34% 11% 41% Instruments 50 42%
Slide 10: Income Statement – 2Q26
Income Statement – 2Q26 Income Statement Q/Q Y/Y 2Q25 1Q26 2Q26 Q/Q Y/Y 2Q25 1Q26 2Q26 (TL mn) (%) (%) (Cons.) (Cons.) (Cons.) (%) (%) Tech. Income (1) 15.427 19.442 21.151 9 37 15.427 19.442 21.151 9 37 Tech. Expenses -16.762 -22.285 -23.318 5 39 -16.762 -22.285 -23.318 5 39 Net Financial Inc. + Ot
Slide 11: Gelir Tablosu – 6M26
Gelir Tablosu – 6M26 Income Statement 6M25 6M26 6M25 6M26 Y/Y (%) Y/Y (%) (TL mn) (Cons.) (Cons.) Tech. Income (1) 28.452 40.593 43 28.452 40.593 43 Tech. Expenses -31.154 -45.603 46 -31.154 -45.603 46 Net Financial Inc. + Other Exp. (2) 9.074 13.632 50 9.078 13.658 50 Gross Profit 6.372 8.622 35 6.
Slide 12: Profit Drivers
Profit Drivers Quarterly Net Profit, Q/Q Quarterly Investment Income1 +31,2% Q/Q TL mn TL mn 676 7.349 7.401 7.432 3.842 -178 3.528 -621 5.849 5.666 -192 1Q25 Underwriting Investment Tax Other 2Q26 2Q25 3Q25 4Q25 1Q26 2Q26 Net Profi6 Income Net Profit Quarterly Net Profit, Y/Y Cumulative Net Profit,
Slide 13: Growth Performance
Growth Performance Total Assets Technical Reserves TL mn 151.334 TL mn 84.812 134.411 75.656 96.198 51.342 13% 12% 58.368 35.982 30.706 20.438 2022 2023 2024 2025 2Q26 2022 2023 2024 2025 2Q26 Assets Under Management Shareholders' Equity 46.114 88.980 41.271 TL mn 78.347 TL mn 30.656 55.525 14% 12%
Slide 14: RoAE, Anadolu Hayat Stake and Valuation
RoAE, Anadolu Hayat Stake and Valuation RoAE Anadolu Hayat Emeklilik (ANHYT) RoAE - Solo RoAE - Cons. Inflation 75,2% Anadolu Hayat with TL 467 bn asset size and ANHYT 64,2% significant market share is among the leaders in life 45.537 MCap (TLmn) 64,8% insurance and pension market 20% ANHYT 48,5% 45
Slide 15: Disclaimer
Disclaimer This presentation contains forward-looking statements and information on the business development of Anadolu Sigorta. These statements may be spoken or written and can be recognized by terms such as “expects”, “anticipates”, “intends”, “plans”, “seeks” or words with similar meaning. These
Slide 16: Thanks
THANKS Fund Management and Investor Relations Department 16
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