Anadolu Anonim Turk Sigorta Sirketi A.s. · BIST:ANSGR
Anadolu Anonim Turk Sigorta Sirketi A.s — Anadolu Sigorta — Q1 2026 Earnings Presentation
15 slides from Anadolu Anonim Turk Sigorta Sirketi A.s's earnings presentation, 2026
Slide 1: Anadolu Sigorta 1Q26 Financial Results
ANADOLU SİGORTA 1Q26 Financial Results Fund Management and Investor Relations Department 1
Slide 2: Highlights
Highlights • Growth: Premium volume increased at 29.6 bn TRY in Q1 2026, (+27.5% y/y) Profitability • Real profitability: Twelve month solo RoAE stands at 36,8% (Consolidated 39,1%) • Strong premium production and increasing market share in the Health branch (+46.6% y/y; +1.0 pp vs. Q1’25 Technical
Slide 3: Non-Life Insurance Market
Non-Life Insurance Market Premium Production1 (TL mn) 1Q26 1Q25 Y/Y(%) Non-Life - Market Shares Competitor 1 53.806 41.402 30,0% Competitor 1 15,8% Competitor 2 42.318 30.375 39,3% Other 31,2% Anadolu Sigorta 29.570 23.192 27,5% Competitor 3 28.305 20.685 36,8% Competitor 2 12,4% Competitor 4 19.033
Slide 4: Premium Volume and Composition
Premium Volume and Composition Anadolu Sigorta Non-Life Sector1 OTHER Cumulative (TLmn) 3M25 3M26 Y/Y (%) 3M25 3M26 Y/Y (%) 22% MOTOR 28% MOD 4.216 4.831 14,6 32.621 39.816 22,1 ANSGR MTPL 3.800 3.599 -5,3 68.682 77.381 12,7 TL29,6 bn Health 6.427 9.425 46,6 66.006 88.185 33,6 HEALTH FIRE Fire & Nat
Slide 5: Market Share & Rank
Market Share & Rank1 Rank Market Share Market Share BRANCHES 3M26 3M26 3M25 Watercraft 1 28,7% 27,2% MOD 2 12,1% 12,9% Transportation 2 13,6% 14,6% Aircraft 2 10,8% 9,0% Aircraft Liability 2 5,7% 4,7% General Liability 2 13,7% 11,5% Fire 3 10,2% 9,8% Health 3 10,7% 9,7% General Losses 3 6,1% 6,6% Ac
Slide 6: Sales Channels
Sales Channels Premium Production – Anadolu Premium Production1 – Sector 35.000 TL mn 400.000 TL mn 30.000 350.000 9,3% 15,1% 300.000 25.000 18,3% 7,4% 250.000 16,9% 12,8% 20.000 18,0% 16,1% 200.000 18,4% 14,1% 13,8% -1 15.000 12,5% 150.000 10.000 100.000 56,4% 53,9% 60,8% 56,3% 5.000 50.000 0 0 3M2
Slide 7: Branch Outlook
Branch Outlook Total Portfolio Fire and Nat. Disasters 114,8% 114,8% 131,1% 131,1% 110,7% 111,8% 115,4% 103,4% 121,8% 108,7% 107,8% 110,7% 92,1% 121,8% QUARTERLY COMBİNED RATİO CUMULATİVE COMBİNED RATİO QUARTERLY COMBİNED RATİO CUMULATİVE COMBİNED RATİO 1Q25 2Q25 3Q25 4Q25 1Q26 3M25 3M26 1Q25 2Q25 3
Slide 8: Technical Profitability – Long-term Perspective
Technical Profitability – Long-term Perspective1 Claims Ratio (%) 3M25 3M26 Combined Ratio (%) 3M25 3M26 MOD 50,4% 70,1% MOD 78,7% 101,3% MTPL 124,8% 114,9% MTPL 151,7% 145,1% Fire 75,0% 55,3% Fire 131,1% 121,8% Health 92,4% 89,0% Health 114,6% 115,4% Accident 18,1% 11,1% Accident 72,3% 69,3% Genera
Slide 9: Investment Portfolio
Investment Portfolio1 3M2026: Investment Income2 Quarterly TL 6,9 bn Bonds 28% Portfolio Yield Quarterly 8,7% (35,5% simp. ann.) AuM at 90 82,8 78,3 +5,7% 82,8 mlr TL 80 72,3 +8,4% 8% 7% Short Term 5% 63,9 13,1% 70 4% 5% Equity 5% Interest 58,5 9,2% 5% 60 9% 28% Instruments 7% 11% 41% 59% 50 12% 42%
Slide 10: Income Statement – 1Q26
Income Statement – 1Q26 Income Statement Q/Q Y/Y 1Q25 4Q25 1Q26 Q/Q Y/Y 1Q25 4Q25 1Q26 (TL mn) (%) (%) (Cons.) (Cons.) (Cons.) (%) (%) Tech. Income (1) 13.025 19.256 19.442 1 49 13.025 19.256 19.442 1 49 Tech. Expenses -14.392 -20.708 -22.285 8 55 -14.392 -20.708 -22.285 8 55 Net Financial Inc. + Ot
Slide 11: Profit Drivers
Profit Drivers Quarterly Net Profit, Q/Q Quarterly Investment Income1 +56,4% Y/Y TL mn 4.090 591 3.842 1.170 TL mn -1.391 7.349 7.401 700 -1.317 5.849 5.666 4Q25 Underwriting Investment Dividend Tax Other 1Q26 Net Profit Income Net Profit Quarterly Net Profit, Y/Y 3.622 TL mn 200 136 3.052 3.842 -32
Slide 12: Growth Performance
Growth Performance Total Assets Technical Reserves TL mn TL mn 83.515 148.640 75.656 134.411 96.198 51.342 11% 35.982 10% 58.368 30.706 20.438 2022 2023 2024 2025 3M26 2022 2023 2024 2025 3M26 Assets Under Management Shareholders' Equity 82.844 41.271 42.342 TL mn 78.347 TL mn 30.656 55.525 3% 6% 32
Slide 13: 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 47.644 58,4% MCap (TLmn) 48,5% insurance and pension market 20% ANHYT 64
Slide 14: 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 15: Thanks
THANKS Fund Management and Investor Relations Department 15