SBI Life Insurance Company Ltd.

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	51260.0 Crs	47468.0 Crs	662605.0 Crs
Value Of New Business Margin (VNB)	28.1 %	26.3 %	14.6 %
Management Expense Ratio - Life Insurance	9.74 %	19.45 %	15.52 %
61 Month Persistency Ratio	58.1 %	51.1 %	56.16 %
13 Month Persistency Ratio	85.3 %	83.4 %	70.89 %
Commission Ratio - Life Insurance	4.8 %	8.02 %	5.86 %
AUM - Life Insurance	388920.0 Crs	292220.0 Crs	4743389.0 Crs
New Business Performance - Life Insurance	1688.41 Crs	1575.17 Crs	12383.64 Crs
Claim Settlement Ratio	98.39 %	99.7 %	96.1 %
Financials
5 yr Average ROE	0.0	0.0	0.0
5yr average Equity Multiplier	n/a	n/a	n/a
5yr Average Asset Turnover Ratio	n/a	n/a	n/a
5yr Avg Net Profit Margin	n/a	n/a	n/a
P/E	76.08	77.83	15.28
5yr CAGR Net Profit	5.34 %	1.38 %	68.79 %
Shareholdings
Promoter Holding	55.42 %	50.37 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.28 %	-8.49 %	0.0
Change in Mutual Fund Holding (3 Yrs)	6.44 %	1.49 %	-0.06 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 74.65 Pension 18.06 Annuity 7.04 Variable Insurance 0.23 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.02	-	Product Wise Break-Up Pension 0 Life 0 Annuity 0 Variable Insurance 0 Annuity Business 3.07 Pension Business 27.26 Variable Business 0 Life Insurance 68.58 Health Business 0.06 Others 1.03
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0
Distribution Channel	Distribution Channel Bancassurance 52.0 Agency 18.0 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 30.0	Distribution Channel Corporate Agents - Others 0 Agency 20.0 Direct Business 0 Bancassurance 0 Group Premium 11.0 Corporate Agents - Banks 0 Individual Agents 0 Agency 0 Bancassurance 56.0 Group Savings 13.0 Web Aggregators 0	Distribution Channel Corporate Agents - Others 0.12 Agency & Direct 0 Direct Business 2.2 Bancassurance 0 Group Protection 0 Corporate Agents - Banks 3.12 Individual Agents 93.8 Agency 0 Bancassurance & Broker 0 Group Savings 0 Web Aggregators 0.76
Investment Break-Up	Investment Break-Up Government securities 51.47 Other Approved Securities 32.54 Investments in Infrastructure and Social Sector 15.99 Infrastructure Investment Fund 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Other than Approved Investments 0 Investment Properties - Real Estate 0 Mutual Funds 0 Fixed Deposit 0 Debentures / Bonds 0 Equity 0 0 0 Other than Approved Securities 0 Investments In Infrastructure 0 Other Investments 0 Government Securities & Treasury Bills 0	Investment Break-Up Deep Discount Bonds 0.36 Fixed Deposits 0.32 Equity 7.92 Mutual Fund 0.15 Other Investments 0 Other than Approved Investments 1.65 Government securities 53.06 Infrastructure Investment Fund 0 CBLO/Repo Investments 2.51 Investments in Infrastructure and Social Sector 12.77 Investment Property 0.49 Debenture 6.31 Other than Approved Securities 0 Investments In Infrastructure 0 Government Securities & Treasury Bills 0 Government securities 0 Other Approved Securities 0 Others 14.46	Investment Break-Up Deep Discount Bonds 0 Fixed Deposit 0 Equity 0 Mutual Funds 0 Other Investments 27.45 Other than Approved Investments 0 0 Infrastructure Investment Fund 0 CBLO/Repo Investments 0 0 Investment Properties - Real Estate 0 Debentures / Bonds 0 Other than Approved Securities 1.7 Investments In Infrastructure 7.02 Government Securities & Treasury Bills 63.18 Government securities 0 Other Approved Securities 0.64 Others 0.01
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 59.15 Non participating 32.57 Participating 8.28 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Unit linked(UL) 8.0 Term 0 Annuity 20.0 Unit Linked 0 Protection 29.0 Participating 10.0 Group Savings 14.0 Non participating 0 Non-Participating 19.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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