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

Financial

	ICICI PrudentialLife	HDFC Life Insurance	SBI Life Insurance
Operational Metrics
Life Insurance
Embedded Value	52989.0 Crs	62139.0 Crs	80130.0 Crs
Value Of New Business Margin (VNB)	24.7 %	24.2 %	27.2 %
Management Expense Ratio - Life Insurance	19.3 %	24.1 %	11.56 %
61 Month Persistency Ratio	58.7 %	62.4 %	55.44 %
13 Month Persistency Ratio	80.3 %	79.5 %	82.62 %
Commission Ratio - Life Insurance	10.1 %	12.1 %	5.29 %
AUM - Life Insurance	313634.0 Crs	375198.0 Crs	511710.0 Crs
New Business Performance - Life Insurance	1296.4 Crs	2531.42 Crs	3040.96 Crs
Claim Settlement Ratio	99.3 %	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	0.0	0.0	125.85
5yr CAGR Net Profit	16.19 %	7.58 %	10.4 %
Shareholdings
Promoter Holding	72.8 %	50.21 %	55.33 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.55 %	-0.1 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	4.86 %	10.45 %	4.18 %

Business

	ICICI PrudentialLife	HDFC Life Insurance	SBI Life Insurance
Product Wise Break-Up	Product Wise Break-Up Annuity 6.4 Variable Insurance 0 Pension 0 Life 0 Others 93.6	-	Product Wise Break-Up Annuity 7.27 Pension 10.97 Variable Insurance 0.02 Life 81.72 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 31.5 Agency 23.2 Group 20.2 Partnership Channel 13.4 Direct 11.7 Broker 0	Distribution Channel Agency 17.0 Broker 11.0 Partnership Channel 0 Bancassurance 50.0 Group 0 Group Savings 22.0	Distribution Channel Agency 20.0 Broker 0 Partnership Channel 0 Bancassurance 50.0 Group 0 Direct 0 Others 30.0
Investment Break-Up	Investment Break-Up Government securities 46.88 Other Approved investments 29.49 Investments in Infrastructure and Social Sector 22.98 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 0.65	Investment Break-Up Fixed Deposits 0.32 Equity 7.92 Other Approved investments 0 Mutual Fund 0.15 0 Other Approved Securities 0 CBLO/Repo Investments 2.51 Deep Discount Bonds 0.36 Government securities 0 Government securities 53.06 Investment Property 0.49 Other than Approved Investments 1.65 0 Debenture 6.31 Investments in Infrastructure and Social Sector 12.77 Infrastructure Investment Fund 0 Others 14.46	Investment Break-Up Fixed Deposit 0 Equity 0 Other Approved investments 0 Mutual Funds 0 Government securities 47.58 Other Approved Securities 39.09 CBLO/Repo Investments 0 Deep Discount Bonds 0 Government securities 0 0 Investment Properties - Real Estate 0 Other than Approved Investments 0 Investments in Infrastructure and Social Sector 13.33 Debentures / Bonds 0 0 Infrastructure Investment Fund 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non participating 46.28 Linked Life 41.16 Participating Life 9.93 Linked Pension 0.94 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 1.69	Premium Break-Up - Life Insurance Participating Life 0 Linked Group Life 0 Linked Group Pension 0 Linked Pension 0 Annuity Non participating 0 Group Savings 18.0 Unit Linked 0 Non participating 0 Linked Life 0 Unit linked(UL) 19.0 Term 0 Non Participating 0 Participating 11.0 Non-Participating 7.0 Protection 29.0 Annuity 16.0	Premium Break-Up - Life Insurance Participating Life 0 Linked Group Life 0 Linked Group Pension 0 Linked Pension 0 Annuity Non participating 0 Group Savings 0 Unit Linked 59.73 Non participating 0 Linked Life 0 Unit linked(UL) 0 Term 0 Non participating 32.86 Participating 7.41 Non-Participating 0 Protection 0 Annuity 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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