ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	47951.0 Crs	55423.0 Crs	70250.0 Crs
Value Of New Business Margin (VNB)	22.8 %	25.6 %	27.8 %
Management Expense Ratio - Life Insurance	16.4 %	20.2 %	10.57 %
61 Month Persistency Ratio	62.6 %	57.8 %	63.3 %
13 Month Persistency Ratio	85.6 %	81.9 %	86.1 %
Commission Ratio - Life Insurance	8.7 %	11.2 %	4.9 %
AUM - Life Insurance	309359.0 Crs	336282.0 Crs	448040.0 Crs
New Business Performance - Life Insurance	3809.72 Crs	4875.53 Crs	3871.34 Crs
Claim Settlement Ratio	99.17 %	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	73.79	84.93	71.79
5yr CAGR Net Profit	-4.43 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	73.0 %	50.32 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.41 %	-1.21 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	2.47 %	5.67 %	3.13 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 7.39 Variable Insurance 0 Pension 0 Life 0 Others 92.61	-	Product Wise Break-Up Annuity 6.03 Life 78.96 Variable Insurance 0.05 Pension 14.94 Others 0.02
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 32.9 Agency 26.5 Group 15.7 Direct 12.5 Partnership Channel 12.4 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Agency 0 Group Premium 11.0 Agency 20.0 Bancassurance 0 Bancassurance 56.0 Group 0 Partnership Channel 0 Group Savings 13.0 Direct 0	Distribution Channel Agency 21.0 Group Protection 0 Agency & Direct 0 Bancassurance 56.0 Bancassurance & Broker 0 Group 0 Partnership Channel 0 Group Savings 0 Direct 0 Others 23.0
Investment Break-Up	Investment Break-Up Government securities 54.73 Other Approved investments 21.46 Investments in Infrastructure and Social Sector 18.6 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 5.21	Investment Break-Up Government securities 0 Infrastructure Investment Fund 0 Equity 7.92 Deep Discount Bonds 0.36 Fixed Deposits 0.32 0 Investment Property 0.49 Government securities 53.06 Debenture 6.31 Other Approved Securities 0 Other Approved investments 0 0 Mutual Fund 0.15 CBLO/Repo Investments 2.51 Investments in Infrastructure and Social Sector 12.77 Other than Approved Investments 1.65 Others 14.46	Investment Break-Up Government securities 0 Infrastructure Investment Fund 0 Equity 0 Deep Discount Bonds 0 Fixed Deposit 0 Investments in Infrastructure and Social Sector 15.31 Investment Properties - Real Estate 0 0 Debentures / Bonds 0 Other Approved Securities 35.18 Other Approved investments 0 Government securities 49.5 Mutual Funds 0 CBLO/Repo Investments 0 0 Other than Approved Investments 0 Others 0.01
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 56.52 Non participating 31.99 Participating Life 10.67 Linked Pension 0.69 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 0.13	Premium Break-Up - Life Insurance Linked Life 0 Linked Group Pension 0 Linked Pension 0 Unit linked(UL) 8.0 Participating 10.0 Annuity Non participating 0 Linked Group Life 0 Term 0 Non-Participating 19.0 Participating Life 0 Non Participating 0 Non participating 0 Protection 29.0 Annuity 20.0 Group Savings 14.0 Unit Linked 0	Premium Break-Up - Life Insurance Linked Life 0 Linked Group Pension 0 Linked Pension 0 Unit linked(UL) 0 Participating 9.3 Annuity Non participating 0 Linked Group Life 0 Term 0 Non-Participating 0 Participating Life 0 Non participating 34.02 Non participating 0 Protection 0 Annuity 0 Group Savings 0 Unit Linked 56.68

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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