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2026-03-13T15:56:47Z

Created page with "{{Infobox company | name = Hepiyi Sigorta | legal_name = Hepiyi Sigorta Anonim Şirketi | logo = Logo of Hepiyi Sigorta.svg | logo_size = | logo_alt = Logo of Hepiyi Sigorta | logo_caption = | type = Private — non-life insurer (A.Ş.) | exchange = | ticker = | isin = | lei =..."

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{{Infobox company
| name = Hepiyi Sigorta
| legal_name = Hepiyi Sigorta Anonim Şirketi
| logo = Logo of Hepiyi Sigorta.svg
| logo_size =
| logo_alt = Logo of Hepiyi Sigorta
| logo_caption =
| type = Private — non-life insurer (A.Ş.)
| exchange =
| ticker =
| isin =
| lei =
| license_type = Non-life insurance
| npn =
| coverholder_ref =
| incorporation = 30 September 2021
| founded = {{Start date and age|2021|09|29}}
| headquarter = Ümraniye, İstanbul, Türkiye
| domicile = Türkiye
| insurance_jurisdictions = Türkiye
| regulator = SEDDK
| ultimate_parent = Doğan Şirketler Grubu Holding A.Ş.
| shareholders = Öncü Girişim Sermayesi Yatırım Ortaklığı A.Ş. (85%) Other individuals (15%)
| key_people = Çağlar Göğüş, Chairman Şenol Ortaç, CEO / General Manager Eren Sarıçoğlu, Vice Chairman Zeynep Tandoğan, Board Member
| num_employees = 155 (FY2023)
| customer_segments =
| lines_of_business = Motor own damage (casco) Motor third-party liability (MTPL) Fire and natural disasters Health Accident General liability Financial loss Legal protection
| segments =
| products = Marka Kasko
| technology_platform =
| capacity_providers =
| distribution = Hybrid agency-led with digital enablement; 8,000+ agencies (FY2024)
| geographic_markets = Türkiye
| num_customers = 1.9 million (FY2024)
| competitors =
| market_share_rank = Approximately 6% market share in MTPL by policy count (3rd largest); approximately 4.5% in casco (9th largest) (FY2024, company-stated)
| financial_year = January–December
| currency = TRY
| market_cap =
| revenue =
| insurance_revenue =
| operating_income =
| ebitda =
| net_income = TRY 1.896bn (FY2024)
| gwp = TRY 17.432bn (FY2024)
| nwp = TRY 14.314bn (FY2024)
| loss_ratio =
| combined_ratio =
| commission_rate =
| total_assets = TRY 19.392bn (FY2024)
| invested_assets =
| technical_reserves = TRY 13.746bn net (FY2024)
| csm =
| net_debt =
| equity = TRY 3.731bn (FY2024)
| operating_margin =
| solvency_ratio = 119.03% capital adequacy ratio (FY2024)
| roe =
| total_funding =
| last_round =
| last_valuation =
| lead_investors =
| capital_structure =
| ifsr =
| capacity_partner_ratings =
| ratings =
| footnotes = Financial statements are prepared under Turkish statutory insurance accounting regulations (Sigortacılık Muhasebe ve Finansal Raporlama Mevzuatı), not IFRS 17. SEDDK has exempted insurance companies from inflation accounting, creating a comparability boundary with IFRS reporters applying IAS 29 hyperinflation adjustments. FY2024 figures reflect a restatement of FY2023 comparatives due to a change in commission deferral accounting policy. FY2022 is a partial operating year (first policy issued 17 June 2022).
}}

{{Summary:Hepiyi Sigorta|5}}

{{More details}}

{{Section separator}}

== Corporate profile ==

🏢 '''Incorporation and domicile.''' Hepiyi Sigorta A.Ş. is a Turkish joint stock company (Anonim Şirket) established on 29 September 2021, with its trade registry publication (Ticaret Sicil Gazetesi) dated 30 September 2021.<ref name="fy24notes">{{cite web |title=FY2024 Audited Statutory Financial Statements and Notes |url=https://hepiyi.com.tr/media/onjphzo0/hepiyi-sigorta.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref> The registered headquarters are located at Fatih Sultan Mehmet Mah. Poligon Cad. Buyaka 2 Sitesi No: 8 Kule 1 Kat:21, 34771 Ümraniye, İstanbul. The company was originally incorporated as Doğan Trend Sigorta A.Ş. and changed its legal name to Hepiyi Sigorta A.Ş. on 30 May 2022, with the change published in the Trade Registry Gazette.<ref name="fy24notes"/>

📜 '''Licensing and regulatory status.''' Hepiyi Sigorta obtained its non-life insurance operating license from the Insurance and Private Pension Regulation and Supervision Agency (Sigortacılık ve Özel Emeklilik Düzenleme ve Denetleme Kurumu, SEDDK) on 28 April 2022.<ref name="fy24notes"/> The license covers a broad set of non-life branches, including accident, health, motor own damage, motor third-party liability (MTPL), fire and natural disasters, general liability, financial loss, and legal protection.

🏛️ '''Ownership structure.''' As of 31 December 2024, the controlling shareholder is Öncü Girişim Sermayesi Yatırım Ortaklığı A.Ş. with an 85% stake, while the remaining 15% is held by other individuals.<ref name="fy24notes"/> The ultimate parent entity is Doğan Şirketler Grubu Holding A.Ş.

👥 '''Board and leadership.''' The chairman of the board is Çağlar Göğüş, with Eren Sarıçoğlu serving as vice chairman and Zeynep Tandoğan as a board member.<ref name="fy23activity">{{cite web |title=FY2023 Activity Report |url=https://hepiyi.com.tr/media/4ttdwas1/31-aralik-2023-faaliyet-raporu-merged.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref><ref name="fy24activity">{{cite web |title=FY2024 Activity Report |url=https://hepiyi.com.tr/media/id2e5zfk/hepiyi-sigorta-faaliyet-raporu.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref> The chief executive officer and general manager is Şenol Ortaç.<ref name="fy23activity"/>

🔍 '''Independent audit.''' The FY2024 statutory financial statements were audited by Deloitte Turkey (DRT Bağımsız Denetim ve Serbest Muhasebeci Mali Müşavirlik A.Ş.), which issued an unqualified opinion under the insurance accounting and financial reporting regulations framework (Sigortacılık Muhasebe ve Finansal Raporlama Mevzuatı).<ref name="fy24notes"/> The FY2023 statements were audited by a different firm, also with an unqualified opinion.

{{Section separator}}
== Business model ==

🏗️ '''Distribution architecture.''' Hepiyi Sigorta operates a hybrid agency-led distribution model augmented by digital enablement. In FY2023 management reported a nationwide agency footprint exceeding 6,500 agencies, having added 1,808 new agencies during that year alongside a digital transformation program.<ref name="fy23activity"/> By FY2024 the agency network had grown to over 8,000 agencies, generating 2.1 million policies and reaching 1.9 million customers.<ref name="fy24activity"/> This trajectory indicates that rapid customer and policy growth is driven primarily by a scaled intermediary network rather than a purely direct-to-consumer model.

🚗 '''Motor line emphasis.''' The company's FY2024 management commentary highlights strong positioning in compulsory motor liability (traffic/MTPL) and motor own damage (casco), claiming approximately 6% market share in traffic policies (described as the third-largest insurer by policy count) and approximately 4.5% in casco (ninth-largest).<ref name="fy24activity"/> These are company-stated figures; independent validation against Türkiye Sigorta Birliği (TSB) company-level datasets was not completed because TSB's detailed downloads require gated access.<ref name="tsbpremium">{{cite web |title=Premium and Policy Statistics |url=https://www.tsb.org.tr/tr/istatistik/genel-sigorta-verileri/prim-adet |publisher=Türkiye Sigorta Birliği |access-date=2025-03-13}}</ref>

🤝 '''Doğan Group ecosystem.''' The FY2024 notes define Doğan Holding group companies as related parties, disclosing both operating expenses and premium writings with specific group entities including Doğan Trend Otomotiv Ticaret Hizmet ve Teknoloji A.Ş. and Suzuki Motorlu Araçlar Paz. A.Ş.<ref name="fy24notes"/> Management describes a product collaboration with Doğan Trend Otomotiv for a branded comprehensive motor product ("Marka Kasko") aligned to vehicle brands such as MG and Suzuki.<ref name="fy24activity"/> The specific related-party premium amounts disclosed in the notes are small relative to total FY2024 gross written premiums, but they document an embedded affinity-distribution channel within the group network.<ref name="fy24notes"/>

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== Financial performance ==

⚠️ '''Operating history constraint.''' Hepiyi Sigorta began writing policies on 17 June 2022, meaning FY2022 is structurally not comparable to a full run-rate year.<ref name="fy23activity"/> Additionally, FY2024 disclosures reveal a change in accounting policy regarding commissions paid for premium collections: these commissions are now deferred, resulting in restatement of FY2023 balance sheet and income statement comparatives.<ref name="fy24notes"/>

{| class="wikitable sortable" width="100%" style="font-size:0.85em"
|+ 📊 Hepiyi Sigorta — statutory income statement summary, FY2022–FY2024, TRY
! scope="col" style="text-align:left" | Metric (TRY)
! scope="col" style="text-align:right; width:7em" | FY2022*
! scope="col" style="text-align:right; width:7em" | FY2023
! scope="col" style="text-align:right; width:8em" | FY2024
! scope="col" style="text-align:left" | Notes
|-
| Gross written premiums (GWP)
| style="text-align:right" | 1,386,140,736
| style="text-align:right" | 6,213,502,715
| style="text-align:right" | 17,431,681,550
| Startup ramp visible in GWP trajectory.
|-
| Net written premiums (NWP)**
| style="text-align:right" | 1,136,718,115
| style="text-align:right" | 4,766,814,072
| style="text-align:right" | 14,314,305,983
| Written premiums after reinsurance and SGK transfers.
|-
| Net earned premiums
| style="text-align:right" | 154,597,774
| style="text-align:right" | 2,754,813,178
| style="text-align:right" | 8,994,610,354
| FY2022 earned premiums mechanically low due to large UPR buildup.
|-
| Technical (underwriting) balance
| style="text-align:right" | (20,632,698)
| style="text-align:right" | 779,712,804
| style="text-align:right" | 2,747,152,649
| Includes investment income transferred from non-technical section per statutory format.
|-
| Investment income transferred to technical section
| style="text-align:right" | 77,243,229
| style="text-align:right" | 1,391,495,625
| style="text-align:right" | 3,500,467,532
| Critical to interpreting the technical balance.
|-
| Pre-tax profit
| style="text-align:right" | 2,069,482
| style="text-align:right" | 1,170,862,541
| style="text-align:right" | 2,490,466,039
| Profit scale-up is large relative to equity base.
|-
| Net income
| style="text-align:right" | 2,069,482
| style="text-align:right" | 895,795,436
| style="text-align:right" | 1,896,359,641
| FY2024 net income aligns with management headline of ~TRY 1.9bn.
|-
| colspan="5" style="background:#f8f9fa" | '''* FY2022 is a partial operating year; first policy issued 17 June 2022.'''<ref name="fy23activity"/> '''** NWP as presented in the statutory technical account: written premiums net of reinsurance and SGK transfers.'''<ref name="fy24audit">{{cite web |title=FY2024 Audited Statutory Financial Statements |url=https://hepiyi.com.tr/media/ka5ljkxw/hepiyi-sigorta.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref>
|}
<ref name="fy22income">{{cite web |title=FY2022 Statutory Income Statement |url=https://hepiyi.com.tr/media/rabcnbgk/hepiyi-sigorta_31122022_gelir-tablosu.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref>

💰 '''Investment income dominance.''' Investment income is structurally material to the company's profits. FY2024 net investment income totaled TRY 3.447bn (FY2023: TRY 1.906bn), driven primarily by bank deposit interest and foreign exchange gains, partially offset by investment management expenses and derivative losses.<ref name="fy24notes"/> When the explicit investment income transfer is isolated, the technical result excluding investment allocation appears loss-making in both FY2023 and FY2024, a pattern consistent with the statutory design in which investment income is allocated to the technical section.<ref name="fy24audit"/>

📈 '''High-inflation dynamics.''' This investment-income-subsidized underwriting pattern is typical in high-inflation, high-interest-rate environments where investment returns can temporarily offset pricing and acquisition costs, particularly in motor lines with regulated features and pooled risk components.<ref name="fy24notes"/> FY2023 operational headlines corroborate the audited results: management reported approximately TRY 6bn in premium production, 1.2 million policies, and approximately TRY 1bn in pre-tax profit, aligning directionally with the audited FY2023 pre-tax figure of TRY 1.171bn.<ref name="fy23activity"/>

{{Section separator}}
== Balance sheet and capital ==

{| class="wikitable sortable" width="100%" style="font-size:0.85em"
|+ 📋 Hepiyi Sigorta — statutory balance sheet summary, FY2022–FY2024, TRY
! scope="col" style="text-align:left" | Metric (TRY)
! scope="col" style="text-align:right; width:7em" | FY2022
! scope="col" style="text-align:right; width:7em" | FY2023 (restated)
! scope="col" style="text-align:right; width:8em" | FY2024
! scope="col" style="text-align:left" | Notes
|-
| Total assets
| style="text-align:right" | 1,635,855,496
| style="text-align:right" | 6,799,447,914
| style="text-align:right" | 19,391,897,827
| Rapid scale-up consistent with premium and reserve growth.
|-
| Cash and cash equivalents
| style="text-align:right" | 1,003,750,581
| style="text-align:right" | 2,706,924,575
| style="text-align:right" | 12,575,459,596
| Liquidity heavily concentrated in cash/bank balances.
|-
| Financial investments
| style="text-align:right" | 420,458,833
| style="text-align:right" | 3,303,515,404
| style="text-align:right" | 4,461,634,912
| Primarily available-for-sale and trading portfolios in statutory format.
|-
| Technical provisions / reserves (net)
| style="text-align:right" | 1,114,230,527
| style="text-align:right" | 4,690,616,828
| style="text-align:right" | 13,745,570,006
| Reserve build dominated by UPR and outstanding claims.
|-
| Total equity
| style="text-align:right" | 258,202,810
| style="text-align:right" | 1,327,510,562
| style="text-align:right" | 3,731,185,434
| Growth reflects retained earnings and capital injections.
|-
| Paid-in capital (ödenmiş sermaye)
| style="text-align:right" | 255,600,000
| style="text-align:right" | 255,600,000
| style="text-align:right" | 749,911,220
| Paid-in capital increased materially in FY2024.
|-
| Nominal share capital
| style="text-align:right" | 255,600,000
| style="text-align:right" | 255,600,000
| style="text-align:right" | 805,140,000
| FY2024 shows an unpaid portion (ödenmemiş sermaye) of TRY 55.23m.
|-
| Total debt (financial debt lines)
| style="text-align:right" | 13,536,512
| style="text-align:right" | 24,508,831
| style="text-align:right" | 55,347,845
| No bank loans; debt is mainly leasing-related.
|}
<ref name="fy22balance">{{cite web |title=FY2022 Statutory Balance Sheet |url=https://hepiyi.com.tr/media/2zlpynlo/hepiyi-sigorta_31122022_bilanco.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref><ref name="fy24notes"/><ref name="fy24audit"/>

🏦 '''Capital actions and dividends.''' In April 2022 the company executed a capital increase from TRY 175.6m to TRY 255.6m through a cash injection, registered in April 2022.<ref name="fy24notes"/> Paid-in capital rose further to TRY 749.9m in FY2024, with nominal share capital reaching TRY 805.1m. Regarding dividends, the FY2024 notes indicate that profit distribution is decided by the General Assembly and that the prior year's net income was not distributed but transferred to retained earnings after legal reserve allocations.<ref name="fy24notes"/>

📂 '''Deferred acquisition costs.''' The balance sheet carries a large deferred acquisition costs line item (Ertelenmiş Üretim Giderleri), which increased to TRY 1.123bn in FY2024 from TRY 419.5m in FY2023, consistent with the disclosed change in commission deferral accounting policy.<ref name="fy24balmisc">{{cite web |title=FY2024 Statutory Financial Statements (Supplementary) |url=https://hepiyi.com.tr/media/52vlhewj/hepiyi-sigorta.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref>

{{Section separator}}
== Reserving and reinsurance ==

🔎 '''IBNR as a key audit matter.''' The FY2024 independent auditor identifies the estimation of incurred but not reported claims (gerçekleşmiş ancak rapor edilmemiş hasarlar, IBNR) as a key audit matter, noting net IBNR of approximately TRY 7.552bn at 31 December 2024.<ref name="fy24notes"/> This level is quantitatively dominant relative to reported outstanding claims and represents a core risk driver for underwriting volatility and capital adequacy.

⚖️ '''Claims discounting and MTPL concentration.''' Net outstanding claims reserves are heavily discounted, with a net discount of TRY 4.206bn for FY2024 at an annual rate of 35% (the same rate applied in FY2023).<ref name="fy24notes"/> Branch-level net outstanding claims are concentrated in motor third-party liability (Kara Araçları Sorumluluk, MTPL): TRY 4.738bn after discounting, from a pre-discount net position of TRY 8.900bn. This concentration is consistent with the company's stated motor leadership focus and indicates that MTPL dominates reserve risk, including long-tailed settlement dynamics.

🏊 '''Regulatory risk pool.''' The statutory notes describe the high-risk insured pool (Riskli Sigortalılar Havuzu) mechanism for MTPL, which operates a two-stage premium and claims sharing algorithm across insurers.<ref name="fy24notes"/> The company uses a Türkiye Motorlu Taşıt Bürosu actuarial evaluation report to inform IBNR assumptions for pool-related exposure. This pooling mechanism reduces underwriting discretion on the riskiest MTPL business but can introduce loss emergence volatility and model-risk dependence on sector-wide ratios. In FY2022 the company disclosed net IBNR additions to outstanding claims reserves of TRY 165.6m and net discounting of TRY 61.4m using an annual 22% parameter under then-effective circulars.<ref name="fy22notes">{{cite web |title=FY2022 Statutory Notes |url=https://hepiyi.com.tr/media/dekml5fq/hepiyi-sigorta_31122022_dipnotlar.pdf |publisher=Hepiyi Sigorta A.Ş. |access-date=2025-03-13}}</ref>

📤 '''Reinsurance cession.''' Premium cession is observable in the financial statements: FY2024 ceded premiums totaled TRY 2.119bn against GWP of TRY 17.432bn, while FY2023 ceded premiums were TRY 1.078bn against GWP of TRY 6.214bn.<ref name="fy24audit"/> Reinsurance participation is also visible in reserve movements, with gross and reinsurer-share movements disclosed for the unearned premium reserve.<ref name="fy24notes"/> Treaty counterparties, attachment points, and quota-share versus excess-of-loss detail are not disclosed in the publicly available notes.

🌍 '''Catastrophe and macro risk.''' The FY2023 activity report references the February 2023 earthquake disaster as a major external shock during that year.<ref name="fy23activity"/> In a Turkish non-life portfolio with motor and property exposure, catastrophe risk remains a material tail risk, while high-inflation pressure is implicitly reflected in discount rate usage and reserve mechanics.<ref name="fy24notes"/>

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== Solvency and regulatory framework ==

✅ '''Capital adequacy.''' Capital adequacy is calculated under Turkish capital adequacy regulations for insurance and pension companies. As of 31 December 2024 the company reports a capital surplus (sermaye fazlası) of TRY 601.1m and a capital adequacy ratio of 119.03%.<ref name="fy24notes"/>

{| class="wikitable sortable" width="100%" style="font-size:0.85em"
|+ 🏛️ Hepiyi Sigorta — capital adequacy metrics, FY2022–FY2024
! scope="col" style="text-align:left" | Metric
! scope="col" style="text-align:right; width:7em" | FY2022
! scope="col" style="text-align:right; width:7em" | FY2023
! scope="col" style="text-align:right; width:7em" | FY2024
! scope="col" style="text-align:left" | Notes
|-
| Capital adequacy ratio
| style="text-align:right" | —
| style="text-align:right" | —
| style="text-align:right" | 119.03%
| Reported in FY2024 notes.
|-
| Capital surplus (TRY)
| style="text-align:right" | —
| style="text-align:right" | —
| style="text-align:right" | 601,124,735
| Reported as sermaye fazlası.
|}
<ref name="fy24notes"/>

📑 '''Statutory accounting basis.''' The FY2024 audit opinion frames the financial statements as prepared under insurance accounting and financial reporting regulations (Sigortacılık Muhasebe ve Finansal Raporlama Mevzuatı), applying Turkish Financial Reporting Standards (TFRS) for matters not otherwise regulated.<ref name="fy24notes"/> The income statement follows a written-premium-based format (GWP, ceded premiums, SGK transfers) rather than the IFRS 17 insurance revenue construct.<ref name="fy24audit"/> The IFRS Foundation's jurisdiction profile for Türkiye notes that, while IFRS is adopted for public interest entities generally, insurance and reinsurance entities are carved out from the standard IFRS requirement, consistent with continued sector-specific statutory reporting.<ref name="ifrsjuris">{{cite web |title=Use of IFRS Standards by Jurisdiction — Türkiye |url=https://www.ifrs.org/use-around-the-world/use-of-ifrs-standards-by-jurisdiction/view-jurisdiction.html/turkiye/ |publisher=IFRS Foundation |access-date=2025-03-13}}</ref>

🔄 '''Inflation accounting boundary.''' In the FY2024 notes the company cites a 6 December 2024 SEDDK circular (2024/32) confirming that insurance, reinsurance, and pension companies would not apply inflation accounting in 2025.<ref name="fy24notes"/> SEDDK's 2024 annual report also addresses inflation accounting in the insurance sector as an active supervisory topic.<ref name="seddkannual">{{cite web |title=SEDDK 2024 Annual Report (English) |url=https://www.seddk.gov.tr/upload/doc/Faaliyet_Raporu_2024-EN.pdf |publisher=SEDDK |access-date=2025-03-13}}</ref> Because Türkiye is classified as hyperinflationary under IAS 29 for IFRS reporters,<ref name="ias29">{{cite web |title=IAS 29 Financial Reporting in Hyperinflationary Economies |url=https://www.ifrs.org/issued-standards/list-of-standards/ias-29-financial-reporting-in-hyperinflationary-economies/ |publisher=IFRS Foundation |access-date=2025-03-13}}</ref> this exemption creates a material comparability boundary between listed industrial IFRS reporters applying IAS 29 adjustments and insurance statutory reporters subject to SEDDK sector decisions.

🏅 '''Credit ratings.''' No public credit rating disclosures were identified in the FY2024 audited statutory filings.

{{Section separator}}
== Company timeline ==

{| class="wikitable sortable" width="100%" style="font-size:0.85em"
|+ 📅 Hepiyi Sigorta — key corporate events
! scope="col" style="text-align:left" | Date
! scope="col" style="text-align:left" | Event
|-
| 29 September 2021
| Company established (Anonim Şirket formation).<ref name="fy24notes"/>
|-
| 30 September 2021
| Trade registry publication.<ref name="fy24notes"/>
|-
| 21 April 2022
| Capital increase decision (to TRY 255.6m).<ref name="fy24notes"/>
|-
| 28 April 2022
| Operating license granted by SEDDK for non-life branches.<ref name="fy24notes"/>
|-
| 30 May 2022
| Corporate name changed from Doğan Trend Sigorta A.Ş. to Hepiyi Sigorta A.Ş.; published in Trade Registry Gazette.<ref name="fy24notes"/>
|-
| 17 June 2022
| First policy issued.<ref name="fy23activity"/>
|-
| FY2023
| Management reports 155 employees, approximately TRY 6bn in premium production, 1.2 million policies, approximately TRY 1bn pre-tax profit, and 6,500+ agencies.<ref name="fy23activity"/>
|-
| FY2024
| Audited GWP of TRY 17.43bn and net income of TRY 1.896bn; management reports 2.1 million policies and 1.9 million customers.<ref name="fy24audit"/><ref name="fy24activity"/>
|-
| 2023–2024
| Milestones include reaching the 6,000th agency, opening a disaster management center in Ankara, issuing the first homeowners policy and first DASK policy, and opening an İstanbul Teknokent branch.<ref name="fy24activity"/>
|}

{{Section separator}}
== See also ==
* [[Turkish insurance market]]
* [[Non-life insurance in Türkiye]]
* [[Doğan Holding]]

{{Section separator}}
== References ==
{{reflist}}

Hepiyi Sigorta - Revision history

Wikilah admin at 17:34, 13 March 2026

Wikilah admin at 17:20, 13 March 2026

Wikilah admin at 16:04, 13 March 2026

Wikilah admin at 15:59, 13 March 2026

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	\| Milestones include reaching the 6,000th agency, opening a disaster management center in Ankara, issuing the first homeowners policy and first DASK policy, and opening an İstanbul Teknokent branch.<ref name="fy24activity"/>		\| Milestones include reaching the 6,000th agency, opening a disaster management center in Ankara, issuing the first homeowners policy and first DASK policy, and opening an İstanbul Teknokent branch.<ref name="fy24activity"/>
	\|}		\|}

	{{Section separator}}
	== See also ==
	* [[Turkish insurance market]]
	* [[Non-life insurance in Türkiye]]
	* [[Doğan Holding]]

	{{Section separator}}		{{Section separator}}