Anadolu Anonim Türk Sigorta Sirketi (ANSGR) investor relations material

Executive summary

• Premium production rose 21.9% year-over-year to TRY 54.2 billion, securing 8.6% market share and ranking fourth in the non-life insurance sector.

• Net profit reached TRY 7.4 billion in H1 2026, up from 5.2 billion TRY a year earlier, with consolidated results showing similar growth.

• Assets under management increased to TRY 89 billion, with a 14% year-over-year rise.

• Solo ROAE at 38.4% and consolidated ROAE at 39.1%, reflecting strong profitability.

• Dividend payout of TRY 2.75 billion completed in April 2026.

Financial highlights

• Total assets increased to TRY 151.3 billion, up 13% year-over-year.

• Earned premiums (net of reinsurance) for H1 2026 were TRY 54.9 billion, up from TRY 37.8 billion in H1 2025.

• Net profit for 2Q26 was TRY 3.93 billion, up 21% year-over-year.

• Investment income for H1 2026 was TRY 18.6 billion, compared to TRY 15.8 billion in H1 2025.

• Combined ratio increased by nearly 3 points year-over-year, mainly due to higher net commission and expense ratios.

Outlook and guidance

• Targeting a year-end combined ratio between 105% and 110%.

• Expectation to improve market share above 9% in the next term, with strong premium production and portfolio structure supporting further gains, especially in Health.

• Bancassurance channel growth continues to support profitability.

• Increased equity base supports future expansion and risk management.