Aksigorta Investor Presentation - Delivering Value in a Competitive Environment

Delivering Value in a Competitive Environment
2014

Investor Presentation
Sabancı Holding
Golden Collar Awards 2013
Grand Prize
Why Invest in Aksigorta
2
Great Potential in TR NL
Insurance Market1
 Turkey increased insurance penetration to
1,3% in 2013 from 1,1% in 2012 while
peer economies have 2-3
 Turkey has 17th largest economy in the
world, while TR NL insurance market is
24th in ranking
7% 8% 9%
3%
5%
2009 2011 2013 Akbank MS Benchmark MS
107% 104%
99% 97% 94%
83%
78%
72% 69% 66%
5%
6%
9%
12%
*17%
0%
5%
10%
15%
20%
60%
90%
120%
2009 2010 2011 2012 2013
Combined Ratio Loss Ratio ROE
499 667 817
5,8%
6,7%
7,4%
200
1.200
2011 2012 2013
Market Cap (M TL) Dividend Yield
Great Potential in
Akbank 2
Increasing
Profitability3 Dividend
Yield 4
* Excluding one offs

Sabancı Holding
Grand Prize
3
Background information
Investment Proposition and Story
Latest Financial Results with 2014 Guidance

Sabancı Holding
Grand Prize
4
Underpenetrated Market in Turkey
0
1
2
3
4
5
0 20.000 40.000 60.000 80.000
Non Life GWP
/ GDP (%)
(2013)
GDP / Capita ($) (2013)
S.Arabia
Turkey
Spain
ItalyPortugal
Russia
Brazil
Hungary
Romania
Switzerland
China
Greece
Indonesia
Source: Sigma No3/2014 World Insurance in 2013
Belgium
UK
Japan
South Africa
Czech Republic
USA
CanadaGermany
Austria
Korea
Slovenia
France
Australia
Croatia
India
Mexico
8,5
10,0 10,5 10,7 10,9 11,5 12,1
13,1
14,2
15,3
2009 2010 2011 2012 2013 2014E 2015E 2016E 2017E 2018E
GDP per Capita (X1000 $)
Source: World Economic Outlook Database, April 2014 web site www.imf.org
CAGR
(09-18) 8%
25%
15% 15% 16% 15% 20% 15%
68%
72% 71% 68% 69% 62% 67%
8% 13% 14% 16% 17% 18% 19%
Turkey Russia Poland Romania Hungary Austria Greece
Younger population in Turkey
Age 0-14 Age 15-64 Age 65+
Source: Turkish Statistical Institute web site www.tuik.gov.tr
Argentina
Denmark
Finland
Ireland
Sweden
Slovakia

Sabancı Holding
Grand Prize
5
Persistent market positions started to change after 2010
6,3 8,0 9,3 9,8 10,1 11,5 14,0 16,7 20,3 21,2
12,0% 11,8%
12,2%
12,6% 12,7%
13,2%
14,2% 14,3% 15,6% 14,6%
13,0% 13,2%
12,9%
11,8%
12,4% 12,3%
13,7% 13,4% 13,5%
14,2%
10,0%
9,7% 9,3% 9,2% 9,2%
8,6%
8,1%8,1% 8,3%
8,6%
8,4% 8,5%
7,7% 8,1%
7,9% 7,5%
8,1%
4,7% 4,5% 4,5%
4,9%
5,4% 5,4% 5,1%
4,1%
3,9%
3,5%
7,4% 7,3%
6,8%
6,4%
6,0%
6,6%
6,9%
3,3% 3,3% 3,5% 3,5% 3,6%
3,6%
4,0%
5,3%
6,7%
6,7%
16,0%
15,8%
14,9%
6
8
10
12
14
16
18
20
22
1%
7%
12%
18%
2005 2006 2007 2008 2009 2010 2011 2012 2013 2014H1
Market GWP (billion TL) Axa Anadolu
Allianz Aksigorta Eureko
Yapı Kredi Mapfre Allianz & YK
AXA is a motor line and agency channel player;
they have market shares 27% in MTPL and 15% in
MOD LoBs, 19% in Agency channel
ANADOLU, there is no clear sign of a solid strategy
after the change in the management of the
company.
AKSİGORTA has sustainable profitability focus,
balanced business and channel mix
ALLIANZ + YKS has market share 43% in Health and
started to be aggressive in Motor business since
2012.
EUREKO started to loose market share after 2011
due to the some regulation breaches.
MAPFRE started to grow very aggressive after
2011, they have the highest growth rates in MTPL
and Health among top 10 in 2013.
Source: Ass. of the Insurance Companies of Turkey www.tsb.org.tr

Sabancı Holding
Grand Prize
6
Aksigorta is an outperformer in profitability
16%
14%
10%
8%
7%
6%
5%
5%
4%
3%
Axa
Anadolu
Allianz
Aksigorta
Mapfre
Yapı Kredi
Güneş
Groupama
Eureko
Ziraat
As of 13’YE GWP MarketShare
3.168
2.750
1.942
1.526
1.077
976
789
1.353
568
1.257
70%
75%
67%
66%
80%
81%
87%
82%
64%
45%
93%
101%
95%
94%
102%
106%
111%
108%
94%
69%
Loss Ratio Commission Ratio Expense Ratio
Combined
Ratio
100% level
212
67
113
160
78
88
-54
39
50
55
Net Profit (exc. dividend)
Source: Ass. of the Insurance Companies of Turkey www.tsb.org.tr

Sabancı Holding
Grand Prize
About Aksigorta
We revised our corporate outlook
7
• To make insurance EASY, LEAN and ACCESSIBLE for everyone.Our Vision
• We create a unique insurance experience for our customers to
support the continuity and ease of life while creating value for
all stakeholders.
Our Mission
• Respectful
• Solution Driven
• Success Driven
• People Focused
Our Values

Sabancı Holding
Grand Prize
Strong Shareholder Structure
8
Origin: Turkey
Business Segments: Finance, energy,
cement, retail, industry
Operates in: Europe, Middle East, Asia,
North Africa, North and South America
Partnerships with: Ageas, Aviva,
Bridgestone, Carrefour, Citi, E.ON,
Heidelberg Cement, Philip Morris
2013 financial highlights;
Consolidated revenue: EUR 8.2 billion
Operating profit: EUR 1.7 billion
Net profit: EUR 589 million
Total equity: EUR 10.902 million
About Sabancı About Ageas
Origin: Belgium
Business segments: Finance
Operates in: Belgium, United Kingdom,
Continental Europe and Asia.
Partnerships in: Belgium, UK, Luxembourg,
Italy, Portugal, Turkey, China, Malaysia, India,
Thailand, France, and Hong Kong
2013 financial highlights;
Gross inflows : EUR 23 billion.
Group net profit: EUR 570 million
Insurance net profit: EUR 654 million
Total equity: EUR 9.422 million
Ageas has been in Turkish Non-Life market since 2011 July as main shareholder of Aksigorta with Hacı Ömer Sabancı Holding.

Sabancı Holding
Grand Prize
Country Wide Distribution in Aksigorta
Aksigorta has country-wide distribution with its channels and regional offices
9
Agencies
16 Regional
Offices
64 Sales
Representative
2.096 Agencies
Bank
3 Regional Offices
60 Sales
Representative
993 Bank
Branches
Corporate Sales
28 Sales
Representative
100 Brokers &
Direct Customers
Aksigorta focuses on having close relationship with agencies through increasing the number of regional offices to 16 from 9.

Sabancı Holding
Grand Prize
10

Sabancı Holding
Grand Prize
5% 6% 9% 12% *17%
2009 2010 2011 2012 2013
ROE
107%
104%
99%
97%
94%
83%
78%
72%
69%
66%
Combined Ratio
Loss Ratio
13
2
32
49
*76
20
34
75
102
153
Net Profit (excluding one-offs)
UW Result
Technical margin and bottom line profitability is increasing
11
*Gain on HQ Building Sale and Merter BV impairment loss are excluded in 2013 results.

Sabancı Holding
Grand Prize
Downward trends in loss ratios
12
104%
93%
84%
74% 75%
2009 2010 2011 2012 2013
Health – Loss Ratio
87%
86%
81%
80%
70%
2009 2010 2011 2012 2013
Motor – Loss Ratio
44%
33%
37%
33%
48%
2009 2010 2011 2012 2013
Non-Motor – Loss Ratio

Sabancı Holding
Grand Prize
Strategies defined to create the “Future Aksigorta”
13
Product
Service
Excellence
Aksigorta
Transformation
Program
“Sustainable
Profitability”
Operational
Excellence
Channel

Sabancı Holding
Grand Prize
Transform the business mix into a “profitable mix”
14
Right size
“Motor”
Underwriting and Segmentation
Project
Develop pricing mechanism based on
predictive modeling, improved risk
based pricing by segmentation
Grow in
Non-motor:
“Fire & Health”
Health Insurance Business Development Project
Program aims to support business development in
Health at Aksigorta by three pillars; creating health
focus in organization, growing to more efficient
scale and focusing on sources of profitability directly
50%
36%
14%
2009
Motor
Non-motor
Health
47%
41%
12%
2013
~40%
~45%
~15%
2017
Product
Service
Excellence
Aksigorta
Transformation
Program
“Sustainable
Profitability”
Operational
Excellence
Channel

Sabancı Holding
Grand Prize
Revised channel-mix for profitable growth
15
Right size “Agencies”
Agency Channel Profit and Effectiveness
Optimization Project
Studies on agency format (auto dealer),
optimization of geographic footprint,
product mix, agency incentivization and
agency network management
Increase weight of
“Bancassurance”
Bancassurance Target Operating Model
Transformation Program
Projects on multi-channel sales and servicing,
product management, operations effectiveness,
customer relationship management, governance
structure
65%
13%
22%
2009
Agencies
Bank
Other
63%
17%
20%
2013
~60%
~25%
~15%
2017
Product
Service
Excellence
Aksigorta
Transformation
Program
“Sustainable
Profitability”
Operational
Excellence
Channel

Sabancı Holding
Grand Prize
Operational Excellence Strategy
16
Increased claims effectiveness &
efficiency
• Fraud and leakage management
• Network management
• Leaner claims processing
HR improvements IT transformation
Claims Transformation Program
5 strategic initiatives
improved front office capabilities,
claims handling operations effectiveness,
network and partnership management,
fraud management and
post claims services
IT InfrastructureData Analytics and CRM
Enterprise Performance
Management
Better reporting functions to drive
intelligence from data and decision
from intelligence
Product
Service
Excellence
Aksigorta
Transformation
Program
“Sustainable
Profitability”
Operational
Excellence
Channel

Sabancı Holding
Grand Prize
Service Excellence Strategy
17
•Customer Experience
Management
Customer based service model,
loyalty programs, targeted
sales etc.
•Digital Aksigorta
Developing digital sales and
communication platforms for
all stakeholders including
websites, social media etc.
•Establishment of “innovation”
culture in Aksigorta
•Brand Management
From commodity to brand
Customer focus
Innovation
culture
Differentiation
with high service
level
Customer
retention
(renewal)
Product
Service
Excellence
Aksigorta
Transformation
Program
“Sustainable
Profitability”
Operational
Excellence
Channel

Sabancı Holding
Grand Prize
18

Sabancı Holding
Grand Prize
Technical margin and bottom line profitability is increasing
19
1.311
1.526
12'YE 13'YE
 Excluding MTPL business
Aksigorta growth is %17 ≈ market
growth
 26% GWP growth in bank channel
16%Premium
Production
(M TL)
 Combined Ratio 3 pp
97
94
12'YE 13'YE
Combined Ratio
 84 MTL is net PL impact of
- Gain on Sale of Building
- Merter BV Impairment
 76 MTL is net profit, excluding
one-offs
49
76
160
12'YE 13'YE
Net Income/Loss
(M TL)
56%

Sabancı Holding
Grand Prize
Portfolio share increases in Non-Motor and Bank
20
06% 06%
11% 11%
14% 14%
69% 69%
MARKET
Agency
Bank
Brokers
Direct Sales
Market almost stable
11% 11%
11% 10%
16% 17%
62% 62%
2012 December 2013 December
AKSİGORTA
Agencies
Banks
Brokers
Direct Sales
Aksigorta Bank 1pp
12% 11%
37% 38%
51% 51%
MARKET
Motor
Non-Motor
Health
Market in non-motor 1pp
13% 12%
38% 41%
49% 47%
2012 December 2013 December
AKSİGORTA
Motor
Non-Motor
Health
Aksigorta in non-motor 3pp
CHANNEL SHARES (%) LOB SHARES (%)

Sabancı Holding
Grand Prize
75
102
153
UW Result
9% 12% *17%
11'YE 12'YE 13'YE
ROE
99%
97%
94%
72%
69%
66%
Combined Ratio
Loss Ratio
Technical margin continues to improve
21
*Gain on HQ Building Sale and Merter BV impairment loss are excluded in 2013 results.

Sabancı Holding
Grand Prize
Increase in technical profit by the decrease in loss ratio
22
Income Statement (TRL Million) 10’YE 11’YE 12’YE 13’YE
Gross Written Premiums 886 1.137 1.311 1.526
Net Written Premiums 619 838 930 1.082
Net Earned Premiums 590 750 891 1.007
Claims (net) -462 -544 -623 -663
Commissions (net) -95 -131 -166 -191
G&A Expenses -66 -73 -97 -115
Technical Profit -33 3 16 38
Net Financial Income 36 37 55 *60
Profit (Loss) Before Tax 4 40 60 181
Tax -2 -8 -12 -21
Net Profit 2 32 49 160
Combined Ratio 104% 99% 97% 94%
Loss Ratio 78% 72% 69% 66%
Commission Ratio 16% 18% 19% 19%
Expense Ratio 10% 9% 9% 9%
*Gain on HQ Building Sale and Merter BV impairment loss impairment are adjusted in Net Financial Income

Sabancı Holding
Grand Prize
Improving ROE thanks to strong profit generation
23
* Excluding Gain on HQ Building Sale and Merter BV impairment loss.
(TL Million) 10’YE 11’YE 12’YE 13’YE
Cash and Marketable Securities 501 591 627 901
Receivables 413 452 475 462
Other Assets 71 93 116 147
Participations 30 30 30 8
Fixed Assets 44 43 44 31
Total Assets 1.059 1.206 1.292 1.549
Payables 88 95 110 116
Technical Reserves 527 627 671 796
Taxes Payable 7 6 15 26
Other Liabilities 65 75 72 78
Total Shareholders' Equity 372 403 424 533
Total Liabilities and Sh.s’ Equity 1.059 1.206 1.292 1.549
ROE 0% 9% 12% *17%
Solvency Ratio 155% 146% 167% 172%

Sabancı Holding
Grand Prize
Top line grows far ahead of the market
24
765
951
13'H1 14'H1
 Aksigorta growth is 15pp over than
the Market growth (9%)
 Non-Motor business growth is 29%
while the Market growth is 17%
24%
Premium
Production
(M TL)
 Combined ratio realized at 98%
95
*98
13'H1 14'H1
Combined Ratio
 Better profitability in line with
improved margins in MOD and
higher EP effect is expected in H226 22
13'H1 14'H1
120
Net Income/Loss
(M TL)
* 17 mTL one off loss impact of severe climate conditions and big loss is adjusted in Combined Ratio of 14’H1.

Sabancı Holding
Grand Prize
Slow-down in banking industry impacted our portfolio shares unfavourably
however portfolio share of non-motor continues to increase
25
6% 6%
11% 12%
14% 14%
69% 68%
MARKET
Agencies
Banks
Brokers
Direct Sales
Agency in Market 1pp
11% 12%
10% 12%
18% 15%
61% 61%
2013 June 2014 June
AKSİGORTA
Agencies
Banks
Brokers
Direct Sales
Broker in Aksigorta 2pp
11% 11%
38% 40%
51% 49%
MARKET
Motor
Non-Motor
Health
Non-motor in Market 2pp
13% 12%
41% 43%
46% 45%
2013 June 2014 June
AKSİGORTA
Motor
Non-Motor
Health
Non-motor in Aksigorta 2pp
L12Ms CHANNEL SHARES (%) L12Ms LOB SHARES (%)

Sabancı Holding
Grand Prize
12% **16% 16%
12'H1 13'H1 14'H1
ROE
*98%
95%
***98%
73%
66%
***70%
Combined Ratio
Loss Ratio
*48
69
***63
UW Result
ROE is flat even UW Result decreases
26
*10,4 MTL one off SSI impact is adjusted in UW result, LR and CoR in 2012 results.
**Excluding one-offs in 2013 results.
***17 mTL one off loss impact of severe climate conditions and big loss is adjusted in Combined Ratio of 14’H1.

Sabancı Holding
Grand Prize
Technical Profit drives the bottom line
27
*10,4 MTL one off SSI impact is adjusted in Technical profit, CoR and LR in 2012 results.
**Excluding one-offs
***17 mTL one off loss impact of severe climate conditions and big loss is adjusted in Combined Ratio of 14’H1.
Income Statement (TRL Million) 11’YE 12’YE 13’YE 12’H1 13’H1 14’H1
Gross Written Premiums 1.137 1.311 1.526 706 765 951
Net Written Premiums 838 930 1.082 494 526 634
Net Earned Premiums 750 891 1.007 433 483 562
Claims (net) -544 -623 -663 -316 -321 -410
Commissions (net) -131 -166 -191 -79 -93 -107
G&A Expenses -73 -97 -115 -48 -56 -59
Technical Profit 3 *16 38 *-1 14 ***3
Net Financial Income 37 55 **60 27 **20 46
Profit (Loss) Before Tax 40 60 181 16 130 28
Tax -8 -12 -21 -3 -10 -6
Net Profit 32 49 160 13 120 22
Combined Ratio 99% *97% 94% *98% 95% ***98%
Loss Ratio 72% *69% 66% *71% 67% ***70%
Commission Ratio 18% 19% 19% 18% 19% 19%
Expense Ratio 9% 9% 9% 9% 9% 9%

Sabancı Holding
Grand Prize
Improving ROE thanks to strong profit generation
Solvency ratio had a break after high dividend pay-out which is assumed to increase in the
remaining quarters
28
*Excluding one-offs
(TL Million) 11’YE 12’YE 13’YE 2012 H1 2013 H1 14’H1
Cash and Marketable Securities 591 627 901 604 741 856
Receivables 452 475 475 490 537 646
Other Assets 93 116 135 114 141 160
Participations 30 30 8 30 20 8
Fixed Assets 43 44 31 43 27 37
Total Assets 1.206 1.292 1.549 1.281 1.465 1.707
Payables 95 110 116 103 120 189
Technical Reserves 627 671 796 710 749 942
Taxes Payable 6 15 26 4 12 7
Other Liabilities 75 72 78 76 89 75
Total Shareholders' Equity 403 424 533 388 495 495
Total Liabilities and Sh.s’ Equity 1.206 1.292 1.549 1.281 1.465 1.707
ROE 9% 12% *17% 12% *16% 16%
Solvency Ratio 146% 167% 172% 139% 171% 138%

Sabancı Holding
Grand Prize
Investment Portfolio
29
81%
15%
4%
December 2013
Time Deposit
Corporate Bond
Government Bond
Eurobond
73%
17%
6%
5%
June 2014
•Total Portfolio: TL 900,0m
•Average Yield: 8,4%
•Duration: 10 months
2013YE
•Total Portfolio: TL 854,3m
•Average Yield (annualized): 10,2%
•Duration: 12 months
2014H1

Sabancı Holding
Grand Prize
Aksigorta share continues to perform over the index
30
10% positive performance relative to index in 2014
Current MCap – TL 894M
+51% positive performance relative to index in 2013
13YE MCap – TL 817M
12YE MCap – TL 667M
Broker Date Target
Burgan Sec. 31/07 4,14
Ak Investment 31/07 3,84
Deniz Invest 31/07 3,93
TEB Investment 31/07 3,50
Integras 02/07 4,00

Sabancı Holding
Grand Prize
2014 Guidance follows the strategic plan
31
1.526
13'A 14'E
 Benefitting from the profitable
UWP base~15-18%Premium
Production
(M TL)
 Sustainable UWP level is achieved
94
13'A 14'E
Combined Ratio
 Technical Profit growing in line with
Top Line growth combined with
higher Financial Income stemming
from higher cash and interest rate.
*76
13'A 14'E
Net Income/Loss
(M TL)
~20-30%
~1pp
Imp.
*Excluding one-offs

Sabancı Holding
Grand Prize
Keep flight altitude and enjoy technical margins in 2014
32
21% 19%
17% 20%
62% 61%
2013'A 2014'E
AKSİGORTA
Banks
Brokers
Direct Sales
&Brokers
11% 10%
38% 38%
51% 52%
MARKET
Motor
Non-Motor
Health
12% 12%
41% 41%
47% 47%
2013'A 2014'E
AKSİGORTA
Motor
Non-Motor
Health
CHANNEL SHARES (%) LOB SHARES (%)
17% 17%
14% 14%
69% 69%
MARKET
Agencies
Bank
Direct Sales
&Brokers

Sabancı Holding
Grand Prize
News from Aksigorta
33
“Keep living Turkey”
“Keep Living Turkey” is a 5-year long social
responsibility project developed by Aksigorta
and AKUT (Search and Rescue Association) –
Turkey’s most trusted organizations in their
own fields.
We aim to raise the awareness of “risk”
among Turkish society, educate people against
natural disasters and encourage the public to
ensure their safety and future
As Aksigorta and AKUT teams, we move
around the country by the Turkey’s first 3D
Earthquake Simulator truck and education
convoy.
Overall 5 years results are 52 provinces, 174
districts visited and 5,4M people touched.
“Aksigorta receives
Grand Prize at
Sabancı Golden Collar Awards”
Aksigorta won three awards including the
grand prize at the Sabancı Golden Collar
Awards, which are organized with a view to
rewarding the achievements of Sabancı Group
companies and employees and encouraging a
mutual exchange of best practices.
“Aksigorta won Bronze Awards
in 2013 Vision Awards
Annual Report Competition”
Aksigorta is presented with the Bronze
Awards for excellence within its industry on
the development of the organization’s
annual report for the past fiscal year.

Sabancı Holding
Grand Prize
Contact Information & Disclaimer
34
For further information please contact with;
(Mr.) Osman Akkoca, Financial Control Manager and (Mr.) Necip Çakmakoğlu, Financial Control Unit Manager
(T) +90 216 280 88 88
investor.relations@aksigorta.com.tr
www.aksigorta.com.tr/en/yatirimci_iliskileri.php
Poligon Cad. Buyaka 2 Sitesi No:8, Kule:1, Kat:6 34771 Ümraniye İstanbul Türkiye
Disclaimer
The information and opinions contained in this document have been compiled by Aksigorta A.Ş. (“Company”) from sources believed to be reliable and in good faith,
but no representation or warranty, expressed or implied, is made as to their accuracy, completeness or correctness. No undue reliance may be placed for any
purposes whatsoever on the information contained in this document is published for the assistance of recipients , but is not to be relied upon as authoritative or
taken in substitution for the exercise of judgment by any recipient. The Company does not accept any liability whatsoever for any direct or consequential loss arising
from any use of this document or its contents. This document is strictly confidential and may not be reproduced, distributed or published for any purpose. The
information and opinions contained in this document have been compiled by Aksigorta A.Ş. (“Company”) from sources believed to be reliable and in good faith, but
no representation or warranty, expressed or implied, is made as to their accuracy, completeness or correctness. No undue reliance may be placed for any purposes
whatsoever on the information contained in this presentation or on its completeness, accuracy or fairness. This document contains forward-looking statements by
using such words as "may", "will", "expect", "believe", "plan" and other similar terminology that reflect the Company management’s current views, expectations,
assumptions and forecasts with respect to certain future events. As the actual performance of the companies may be affected by risks and uncertainties, all opinions,
information and estimates contained in this document constitute the Company’s current judgment and are subject to change, update, amend, supplement or
otherwise alter without notice. Although it is believed that the information and analysis are correct and expectations reflected in this document are reasonable, they
may be affected by a variety of variables and changes in underlying assumptions that could cause actual results to differ materially. Company does not undertake any
obligation, and disclaims any duty to update or revise any forward looking statements, whether as a result of new information or future events. Neither this
document nor the information contained within can construe any investment advice, invitation or an offer to buy or sell Company’s shares. Company cannot
guarantee that the securities described in this document constitute a suitable investment for all investors and nothing shall be taken as an inducement to any person
to invest in or otherwise deal with any shares of Company and its group companies. The information contained in this document is published for the assistance of
recipients, but is not to be relied upon as authoritative or taken in substitution for the exercise of judgment by any recipient. You must not distribute the information
in this document to, or cause it to be used by, any person or entity in a place where its distribution or use would be unlawful. Neither Company, its board of directors,
directors, managers, nor any of Its employees shall have any liability whatsoever for any direct or consequential loss arising from any use of this document or its
contents.

35
Evini
güvenceye alır
Eşyanı
güvenceye alır
Senin ve ailenin
canını
güvenceye alır
Komşunu ve
çevreni, hatta
misafirini
güvenceye alır
THANKSPublished by AKSİGORTA Finance Team

Aksigorta Investor Presentation - Delivering Value in a Competitive Environment

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