HDFC Life Insurance Company Ltd. benchmarking: Performance to industry peers

Financial

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Operational Metrics
Life Insurance
Embedded Value	59540.0 Crs	80130.0 Crs	813230.0 Crs
Value Of New Business Margin (VNB)	24.5 %	27.2 %	16.2 %
Management Expense Ratio - Life Insurance	21.3 %	11.56 %	12.03 %
61 Month Persistency Ratio	62.0 %	55.44 %	55.12 %
13 Month Persistency Ratio	86.0 %	82.62 %	68.19 %
Commission Ratio - Life Insurance	12.0 %	5.29 %	4.56 %
AUM - Life Insurance	359999.0 Crs	511710.0 Crs	5722896.0 Crs
New Business Performance - Life Insurance	3129.75 Crs	2796.66 Crs	19267.02 Crs
Claim Settlement Ratio	99.8 %	99.4 %	97.25 %
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	64.64	71.77	9.87
5yr CAGR Net Profit	5.88 %	10.64 %	74.64 %
Shareholdings
Promoter Holding	50.21 %	55.34 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	-0.11 %	0.0
Change in Mutual Fund Holding (3 Yrs)	8.68 %	3.69 %	0.54 %

Business

	HDFC Life Insurance	SBI Life Insuran	Life Insurance Corp
Segment Break-Up	Segment Break-Up Non Participating Funds 47.57 Unit Linked Funds 31.16 Participating Funds 20.92 Reinsurance 0.35	-	-
Location Wise Break-Up	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 100.0 Domestic 0
Distribution Channel	Distribution Channel Bancassurance 50.0 Group Savings 22.0 Agency 17.0 Broker 11.0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0	Distribution Channel Group Savings 0 Corporate Agents - Others 0 Direct Business 0 Web Aggregators 0 Bancassurance 53.0 Corporate Agents - Banks 0 Broker 0 Individual Agents 0 Agency 19.0 Others 28.0	Distribution Channel Group Savings 0 Corporate Agents - Others 0.12 Direct Business 2.2 Web Aggregators 0.76 Bancassurance 0 Corporate Agents - Banks 3.12 Broker 0 Individual Agents 93.8 Agency 0
Investment Break-Up	Investment Break-Up Government securities 53.06 Investments in Infrastructure and Social Sector 12.77 Equity 7.92 Debenture 6.31 CBLO/Repo Investments 2.51 Other than Approved Investments 1.65 Investment Property 0.49 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Mutual Fund 0.15 Infrastructure Investment Fund 0 Other Approved Securities 0 0 0 Other than Approved Securities 0 Investments In Infrastructure 0 Other Investments 0 Government Securities & Treasury Bills 0 Others 14.46	Investment Break-Up Debenture 0 Investment Property 0 CBLO/Repo Investments 0 Other Approved Securities 36.97 Investments In Infrastructure 0 0 Investments in Infrastructure and Social Sector 14.24 Fixed Deposits 0 Mutual Fund 0 Infrastructure Investment Fund 0 Other than Approved Investments 0 Deep Discount Bonds 0 Government securities 48.76 Government Securities & Treasury Bills 0 Other Investments 0 Other than Approved Securities 0 Equity 0 Government securities 0 Others 0.03	Investment Break-Up Debenture 0 Investment Property 0 CBLO/Repo Investments 0 Other Approved Securities 0.12 Investments In Infrastructure 30.51 0 0 Fixed Deposits 0 Mutual Fund 0 Infrastructure Investment Fund 0 Other than Approved Investments 0 Deep Discount Bonds 0 0 Government Securities & Treasury Bills 60.67 Other Investments 0.94 Other than Approved Securities 7.76 Equity 0 Government securities 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Protection 29.0 Unit linked(UL) 19.0 Group Savings 18.0 Annuity 16.0 Participating 11.0 Non-Participating 7.0 Term 0 Unit Linked 0 Non Participating 0	Premium Break-Up - Life Insurance Unit linked(UL) 0 Group Savings 0 Annuity 0 Term 0 Protection 0 Participating 8.42 Unit Linked 42.69 Non participating 48.87 Non-Participating 0 Others 0.02	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

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