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

Financial

	HDFC Life Insurance	SBI Life Insurance	Life Insurance Corp.
Operational Metrics
Life Insurance
Embedded Value	62139.0 Crs	80130.0 Crs	789185.0 Crs
Value Of New Business Margin (VNB)	24.2 %	27.2 %	21.2 %
Management Expense Ratio - Life Insurance	24.1 %	11.56 %	12.51 %
61 Month Persistency Ratio	62.4 %	55.44 %	54.13 %
13 Month Persistency Ratio	79.5 %	82.62 %	67.77 %
Commission Ratio - Life Insurance	12.1 %	5.29 %	4.68 %
AUM - Life Insurance	375198.0 Crs	511710.0 Crs	5729396.0 Crs
New Business Performance - Life Insurance	2531.42 Crs	3040.96 Crs	18782.1 Crs
Claim Settlement Ratio	99.8 %	99.4 %	99.44 %
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	0.0	131.24	0.0
5yr CAGR Net Profit	7.58 %	10.4 %	69.35 %
Shareholdings
Promoter Holding	50.21 %	55.33 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-0.12 %	0.0
Change in Mutual Fund Holding (3 Yrs)	10.45 %	4.18 %	0.5 %

Business

	HDFC Life Insurance	SBI Life Insurance	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 Domestic 0 India 100.0	Location Wise Break-Up Domestic 0 India 100.0
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 Individual Agents 0 Corporate Agents - Others 0 Group Savings 0 Web Aggregators 0 Agency 20.0 Direct Business 0 Corporate Agents - Banks 0 Broker 0 Bancassurance 50.0 Others 30.0	Distribution Channel Individual Agents 93.8 Corporate Agents - Others 0.12 Group Savings 0 Web Aggregators 0.76 Agency 0 Direct Business 2.2 Corporate Agents - Banks 3.12 Broker 0 Bancassurance 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 Investments In Infrastructure 0 Other than Approved Investments 0 Fixed Deposits 0 Infrastructure Investment Fund 0 Equity 0 Mutual Fund 0 Investment Property 0 Government securities 0 Deep Discount Bonds 0 Government securities 47.58 Government Securities & Treasury Bills 0 Investments in Infrastructure and Social Sector 13.33 Other than Approved Securities 0 Debenture 0 Other Approved Securities 39.09 0 CBLO/Repo Investments 0 Other Investments 0	Investment Break-Up Investments In Infrastructure 7.99 Other than Approved Investments 0 Fixed Deposits 0 Infrastructure Investment Fund 0 Equity 0 Mutual Fund 0 Investment Property 0 Government securities 0 Deep Discount Bonds 0 0 Government Securities & Treasury Bills 63.15 0 Other than Approved Securities 0.86 Debenture 0 Other Approved Securities 0.07 0 CBLO/Repo Investments 0 Other Investments 27.92 Others 0.01
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Protection 29.0 Unit linked(UL) 20.0 Group Savings 19.0 Annuity 15.0 Participating 10.0 Non-Participating 7.0 Term 0 Unit Linked 0 Non Participating 0	Premium Break-Up - Life Insurance Unit Linked 59.73 Term 0 Protection 0 Participating 7.41 Group Savings 0 Non participating 32.86 Unit linked(UL) 0 Annuity 0 Non-Participating 0	-

HDFC Life Insurance Company Ltd.

HDFC Life Insurance Company Ltd.

Financial

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