Anadolu Anonim Turk Sigorta Sirketi A.s. · BIST:ANSGR
Anadolu Anonim Turk Sigorta Sirketi A.s — Anadolu Sigorta — Q3 2025 Earnings Presentation
16 slides from Anadolu Anonim Turk Sigorta Sirketi A.s's earnings presentation, 2025
Slide 1: Anadolu Sigorta 3Q25 Financial Results
ANADOLU SİGORTA 3Q25 Financial Results Fund Management and Investor Relations Department 1
Slide 2: Highlights
Highlights • Real growth: Anadolu 9M25 premium volume is at a strong TL 67.9 bn, (+45.9%y/y vs. 33,3% Sept. infl.) Profitability • Real profitability: Trailing Twelve Month solo RoAE stands at 36.4% (Consolidated 47.8%) • Discount rate applied to reserves reduced by 2.5 ppts to 30.0%: TL 944 mn gros
Slide 3: Non-Life Insurance Market
Non-Life Insurance Market Premium Production1 (TL mn) 9M24 9M25 Y/Y(%) Non-Life - Market Shares Competitor 1 Competitor 1 72.580 105.135 44,9 14,4% Competitor 2 55.436 78.558 41,7 Other Anadolu Sigorta 46.559 67.918 45,9 32,8% Competitor 2 10,7% Competitor 3 38.093 58.979 54,8 Competitor 4 24.224 36
Slide 4: Premium Volume and Composition
Premium Volume and Composition Anadolu Sigorta Non-Life Sector1 OTHER Cumulative (TLmn) 9M25 Y/Y (%) 9M25 Y/Y (%) 20% MOTOR MOD 12.443 21,4 100.411 31,5 ANSGR 41% MTPL 15.174 73,3 222.244 51,0 HEALTH TL 67,9 bn Health 13.981 70,7 147.649 61,5 20% Fire & Nat. Disasters 12.994 29,4 116.644 36,3 FIRE 1
Slide 5: Market Share & Rank
Market Share & Rank1 Rank Market Share Market Share BRANCHES 9M25 9M25 9M24 MOD 1 12,4% 13,4% Watercraft 1 25,0% 25,5% Transportation 1 14,8% 15,1% Aircraft 2 26,9% 33,9% Aircraft Liability 2 17,7% 26,3% Accident 2 8,9% 7,1% General Liability 3 12,6% 10,2% Fire 3 11,1% 11,7% General Losses 3 5,9% 6,
Slide 6: Sales Channels
Sales Channels Premium Production – Anadolu Premium Production1 – Sector 80.000 TL mn 800.000 TL mn 70.000 700.000 11,0% 8,7% 60.000 600.000 17,8% 14,1% 50.000 500.000 13,3% 16% 12,3% 9,8% 40.000 400.000 15% 13,9% -1 14,6% 14% 30.000 300.000 64,0% 200.000 58,8% 20.000 61,7% 55% 10.000 100.000 0 0 9M
Slide 7: Branch Outlook
Branch Outlook Total Portfolio Fire and Nat. Disasters 111,1% 110,7% 108,7% 111,8% 110,4% 103,9% 117,3% 131,1% 115,4% 102,2% 96,6% 103,4% 91,5% 114,2% QUARTERLY COMBİNED RATİO CUMULATİVE COMBİNED RATİO QUARTERLY COMBİNED RATİO CUMULATİVE COMBİNED RATİO 3Q24 4Q24 1Q25 2Q25 3Q25 9M24 9M25 3Q24 4Q24 1Q
Slide 8: Technical Profitability – Long-term Perspective
Technical Profitability – Long-term Perspective Claims Ratio (%) 9M24 9M25 Combined Ratio (%) 9M24 9M25 MOD 59,2% 59,8% MOD 84,3% 87,6% MTPL 98,6% 121,9% MTPL 128,1% 152,8% Fire 46,8% 63,9% Fire 91,5% 114,2% Health 91,8% 80,1% Health 120,2% 103,1% Accident 9,8% 12,4% Accident 69,8% 65,6% General Los
Slide 9: Investment Portfolio
Investment Portfolio1 9M 2025: Bonds Quarterly TL 7,3 bn 42% Investment Income2 Cumulative TL16,8 bn Quarterly 11,4% (45,1% simp. ann.) Portfolio Yield Cumulative 30,7% AuM at 80 72,3 72,3 mlr TL TLbn +13,1% 70 +9,2% 63,9 4% +5,4% 58,5 5% 60 55,5 9% Short Term 7% 11% Equity 7% Interest 50 11% 12% 42
Slide 10: Income Statement – 3Q25
Income Statement – 3Q25 Income Statement Q/Q Y/Y 3Q24 2Q25 3Q25 Q/Q Y/Y 3Q24 2Q25 3Q25 (TL mn) (%) (%) (Cons.) (Cons.) (Cons.) (%) (%) Tech. Income (1) 11.253 15.427 17.416 13 55 11.253 15.427 17.416 13 55 Tech. Expenses -11.680 -16.762 -19.388 16 66 -11.680 -16.762 -19.388 16 66 Net Financial Inc.
Slide 11: Income Statement - 9M25
Income Statement - 9M25 9M24 9M25 P&L (TL mn) 9M24 9M25 Y/Y (%) Y/Y (%) (Cons.) (Cons.) Tech. Income (1) 30.274 45.868 52 30.274 45.868 52 Tech. Expenses -30.924 -50.542 63 -30.924 -50.542 63 Net Financial Inc. + Other Exp. (2) 10.909 15.483 42 11.309 15.798 40 Gross Profit 10.260 10.810 5 10.659 11
Slide 12: Profit Drivers
Profit Drivers Quarterly Net Profit, Q/Q Quarterly Investment Income1 +78% Y/Y +26% Q/Q TL mn 1.668 0 TL mn 3.427 7.349 2.959 -485 -79 5.849 -636 4.800 4.138 3.622 2Q25 Underwriting Investment Dividend Tax Other 3Q25 Net Profit Income Net Profit 3Q24 4Q24 1Q25 2Q25 3Q25 Quarterly Net Profit, Y/Y Cum
Slide 13: Growth Performance
Growth Performance Total Assets Technical Reserves TL mn 122.113 TL mn 67.543 96.198 51.342 26,9% 35.982 31,6% 58.368 30.706 20.438 16.776 10.779 2021 2022 2023 2024 9M25 2021 2022 2023 2024 9M25 Assets Under Management Shareholders' Equity 72.271 36.205 TL mn TL mn 30.656 55.524 32.026 30,2% 18,1%
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 377 bn asset size and ANHYT 64,2% significant market share is among the leaders in life 42.893 MCap (TLmn) insurance and pension market 20% ANHYT 47,8% 8.579 48
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