2025 stood out as a year of both growth and investment for Bereket Sigorta Group. The Group further consolidated its position in the sector through strategic steps that strengthened its financial soundness and a balanced distribution network. The company concluded the year with record results, driven by increases in premium production and profitability.
In a statement, General Manager Faruk Gökçen noted that the steady growth observed in the company’s financial structure was supported by sustainable profitability. Furthermore, in 2025, with the commissioning of the head office building—currently valued at 1.2 billion TL—an important investment process aligned with the organisation’s long-term objectives was also completed.
Notable Increases in Premium Production and Financial Indicators
Bereket Sigorta Group increased its premium production by 35 per cent compared to the previous year, reaching 21.5 billion TL. In the Individual Pension System (BES), fund size grew by 180 per cent year-on-year to reach 14 billion TL. This growth demonstrated that the group had expanded its range of financial services and broadened its customer base.
Net profit for the period rose to 1.2 billion TL, marking a 31 per cent increase compared to the previous year. Equity grew by 80 per cent, outperforming the sector average by 15 percentage points, and reached 3.7 billion TL. As a result of these outcomes, the capital adequacy ratio also rose to 132 per cent.
Efficiency-Focused Management Approach
The increase in efficiency, supported by technology investments, was directly reflected in expense ratios. The ratio of staff costs to premiums stood at 3.04 per cent, whilst the ratio of general expenses to premiums was 5.15 per cent. Both ratios remained significantly below the sector averages. Furthermore, the company’s cash ratio reached 64 per cent, amounting to nearly double the sector average.
Balanced and Strategic Growth in Distribution Channels
Bereket Sigorta Group achieved a 49 per cent growth in non-traffic premium production through the agency channel and a 68 per cent growth through the bancassurance channel. Strategic partnerships with digital participation banks, participation finance institutions and the Turkish Agricultural Credit Cooperatives played a major role in this success. In particular, the fact that 51 per cent of total premium production was generated through this channel has reinforced the group’s confidence in its effective distribution network.
Continued Leadership in Participation Insurance
In the field of participation insurance, Bereket Sigorta Group maintained its leadership in 2025 with a 56 per cent market share and premium production of 1.5 billion TL in the life insurance segment. Gökçen emphasised that the same leadership position would be maintained in 2026, stating that they would continue to uphold their customer-focused service philosophy and commitment to the principles of interest-free insurance.
Thus, Bereket Sigorta Group concluded 2025 with sustainable growth, a strong financial structure and a service philosophy grounded in social values.
