ICICI Prudential Life Insurance Company Ltd. benchmarking: Perfomance to industry peers

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	47951.0 Crs	58355.0 Crs	74260.0 Crs
Value Of New Business Margin (VNB)	24.5 %	25.1 %	27.4 %
Management Expense Ratio - Life Insurance	24.0 %	17.9 %	9.67 %
61 Month Persistency Ratio	65.8 %	64.0 %	63.3 %
13 Month Persistency Ratio	86.0 %	86.0 %	86.1 %
Commission Ratio - Life Insurance	11.4 %	10.7 %	4.9 %
AUM - Life Insurance	324489.0 Crs	355897.0 Crs	475810.0 Crs
New Business Performance - Life Insurance	1776.26 Crs	3063.85 Crs	3321.24 Crs
Claim Settlement Ratio	99.6 %	99.8 %	99.4 %
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	68.97	87.07	71.93
5yr CAGR Net Profit	4.39 %	5.88 %	10.64 %
Shareholdings
Promoter Holding	72.96 %	50.28 %	55.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.44 %	-1.24 %	-0.11 %
Change in Mutual Fund Holding (3 Yrs)	2.23 %	6.96 %	2.65 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 5.4 Variable Insurance 0 Pension 0 Life 0 Others 94.6	-	Product Wise Break-Up Annuity 6.16 Variable Insurance 0.04 Life 81.08 Pension 12.69 Others 0.03
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 Agency 29.4 Bancassurance 28.8 Direct 15.2 Group 15.1 Partnership Channel 11.5 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Group Premium 11.0 Bancassurance 0 Partnership Channel 0 Agency 0 Group Savings 13.0 Bancassurance 56.0 Direct 0 Group 0 Agency 20.0	Distribution Channel Group Protection 0 Bancassurance 48.0 Partnership Channel 0 Agency 19.0 Group Savings 0 Bancassurance & Broker 0 Direct 0 Group 0 Agency & Direct 0 Others 33.0
Investment Break-Up	Investment Break-Up Government securities 52.83 Other Approved investments 21.62 Investments in Infrastructure and Social Sector 18.47 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 Approved Securities 0 0 0 Others 7.08	Investment Break-Up Deep Discount Bonds 0.36 Government securities 0 CBLO/Repo Investments 2.51 Investment Property 0.49 Mutual Fund 0.15 Equity 7.92 Government securities 53.06 Fixed Deposits 0.32 Debenture 6.31 Other Approved Securities 0 Other than Approved Investments 1.65 0 Infrastructure Investment Fund 0 0 Other Approved investments 0 Investments in Infrastructure and Social Sector 12.77 Others 14.46	Investment Break-Up Deep Discount Bonds 0 Government securities 0 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 Mutual Funds 0 Equity 0 0 Fixed Deposit 0 Debentures / Bonds 0 Other Approved Securities 34.42 Other than Approved Investments 0 Government securities 50.47 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 13.28 Other Approved investments 0 0 Others 1.83
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 44.69 Non participating 41.76 Participating Life 11.47 Linked Pension 0.92 Linked Group Pension 0 Linked Group Life 0 Annuity Non participating 0 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Participating 0 Unit linked(UL) 0 Unit Linked 0 Non Participating 0 Others 1.16	Premium Break-Up - Life Insurance Annuity 20.0 Linked Pension 0 Annuity Non participating 0 Unit Linked 0 Non Participating 0 Linked Group Life 0 Unit linked(UL) 8.0 Linked Group Pension 0 Term 0 Group Savings 14.0 Protection 29.0 Non-Participating 19.0 Non participating 0 Linked Life 0 Participating 10.0 Participating Life 0	Premium Break-Up - Life Insurance Annuity 0 Linked Pension 0 Annuity Non participating 0 Unit Linked 53.84 Non participating 37.77 Linked Group Life 0 Unit linked(UL) 0 Linked Group Pension 0 Term 0 Group Savings 0 Protection 0 Non-Participating 0 Non participating 0 Linked Life 0 Participating 8.39 Participating Life 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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