Cheat Sheet / Financial Summary
| Financial Indicators (TL mn) | 2023 |
2024 |
2025 |
9M25 |
9M26 |
Total Assets |
77,328 |
96,531 |
156,976 |
152,395 |
184,524 |
Total Liabilities |
61,902 |
67,808 |
105,371 |
110,794 |
128,740 |
Paid-in Capital |
1,162 |
5,000 |
10,000 |
10,000 |
20,000 |
Shareholders’ Equity |
15,426 |
28,723 |
51,605 |
41,602 |
55,784 |
Financial Indicators (TL mn) |
2023 |
2024 |
2025 |
9M25 |
9M26 |
Premium Production |
59,518 |
101,366 |
147,117 |
105,135 |
134,557 |
Gross Claims Paid |
-23,196 |
-33,089 |
-54,321 |
-39,833 |
-46,323 |
Operating Expenses |
-5,209 |
-9,264 |
-15,560 |
-10,520 |
-13,992 |
Investment Income |
14,722 |
23,520 |
34,072 |
25,865 |
30,710 |
Investment Expenses |
-14,215 |
-22,404 |
-26,620 |
-21,207 |
-28,046 |
Net Investment Income (Excl. Transferred) |
507 |
1,116 |
7,452 |
4,658 |
2,664 |
Extraordinary Income / Expenses |
-758 |
-1,754 |
-3,194 |
-2,872 |
-7,197 |
Technical Income |
7,905 |
17,260 |
22,695 |
17,659 |
18,637 |
Net Income |
6,155 |
12,720 |
19,425 |
14,344 |
7,972 |
Profitability Ratios |
2023 |
2024 |
2025 |
9M25 |
9M26 |
Return on Equity (ROAE) |
56% |
58% |
48% |
55% |
20% |
Return on Assets (ROAA) |
12% |
15% |
15% |
15% |
6% |
Loss Ratio |
82% |
77% |
71% |
73% |
69% |
Commission Ratio |
14% |
12% |
12% |
12% |
12% |
Expense Ratio |
12% |
10% |
14% |
12% |
12% |
Combined Ratio |
108% |
99% |
97% |
98% |
92% |