2014-2023 yılları arasında 7 Türk Sigorta Şirketinin prim bazlı finansal performans analizi

Abstract

Sigortacılık Sektörü, insurtech ve dijitalleşme gibi son dönemdeki gelişmelerle Türkiye'nin yükselen finansal sektörlerinden biridir. Diğer yandan sigorta şirketlerinin etkin ve verimli yönetimi ve konumlandırılması oldukça önemlidir. Bu araştırma temel olarak 6 prim bağımlı değişken ile karşılaştırmalı bir çerçeve geliştirmeyi amaçlamaktadır. Beş değişken Türk şirketlerinin primlere göre faaliyetlerini (öz sermaye ve varlıklar) nasıl yönetebileceğini gösterirken, diğeri (Toplam Hasar/Toplam Primler) yüksek primlere ilişkin tüketici mutluluğunu göstermektedir. Araştırma 7 büyük sigorta şirketini ve on yılı kapsamaktadır. Bulgulara göre Aksigorta sigorta şirketi TOPSIS ve GRA sonuçlarına göre ilk sırada yer almaktadır. Diğer yandan sektörün COVID-19 pandemisi nedeniyle zor zamanlar geçirdiği doğrulanmıştır. ELECTRE sonuçlarına göre Türk sigorta şirketlerinin rekabet yapısı, araştırma örneklemi ve dönemi için performans değişkenleri dikkate alındığında karmaşık ve komplikedir. Analiz sonunda sigorta yapısının konumlandırılmasının diğer gelişmekte olan ülkelerle benzer bir örüntü taşıdığı ifade edilmiştir. Ayrıca, benzer analizler farklı ülkelerden büyük örneklemler için gerçekleştirilebilir ve geleceğe yönelik karşılaştırmalar yapılabilir.

Keywords

• Sigorta
• Aktif bazlı prim performansı
• Çok Kriterli Karar Verme

A Premium-based financial performance analysis for 7 Turkish Insurance Companies between the years of 2014 and 2023

Abstract

The Insurance Industry is one of the rising financial sectors of Turkey, with recent developments such as insurtech and digitalism. On the other hand, the efficient and effective management and positioning of the insurance companies are so important. This research mainly aims to develop a comparative framework with 6 premium dependent variables. As five variables indicate how the Turkish companies can manage their activities (equities and assets) according to premiums, the other one (Total Damage/Total Premiums) shows the consumer happiness regarding high premiums. The research includes the 7 biggest insurance companies and ten years. According to findings, Aksigorta insurance company is at the first rank for TOPSIS and GRA results. On the other hand, it was confirmed that the industry lived through hard times due to the COVID-19 pandemic. According to ELECTRE results, the competition structure of the Turkish insurance companies is complicated and complex, considering the performance variables for the research sample and period. At the end of the analysis, it was said that the positioning of the insurance structure carried a similar pattern to other emerging countries. Moreover, similar analyses can be realized for large samples from different countries and comparisons can be made for the future.

Keywords

• Insurance
• Active-based premium performance
• Multi-Criteria Decision Making

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