ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	42337.0 Crs	47468.0 Crs	51260.0 Crs
Value Of New Business Margin (VNB)	26.7 %	26.3 %	28.1 %
Management Expense Ratio - Life Insurance	18.4 %	19.45 %	9.48 %
61 Month Persistency Ratio	61.9 %	51.1 %	56.1 %
13 Month Persistency Ratio	85.6 %	83.4 %	82.37 %
Commission Ratio - Life Insurance	7.4 %	8.02 %	5.04 %
AUM - Life Insurance	294140.0 Crs	292220.0 Crs	371410.0 Crs
New Business Performance - Life Insurance	3225.29 Crs	4641.46 Crs	4370.81 Crs
Claim Settlement Ratio	98.7 %	99.7 %	98.39 %
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	95.91	80.34	74.84
5yr CAGR Net Profit	-6.51 %	1.38 %	5.34 %
Shareholdings
Promoter Holding	73.24 %	50.37 %	55.42 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.24 %	-8.49 %	-0.28 %
Change in Mutual Fund Holding (3 Yrs)	3.01 %	1.49 %	6.44 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
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 Life 76.43 Variable Insurance 0.56 Pension 15.32 Annuity 7.67 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 Agency 30.3 Bancassurance 26.8 Group 16.4 Direct 15.4 Partnership Channel 11.0 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Others 0.1	Distribution Channel Bancassurance 56.0 Group Premium 11.0 Agency 20.0 Partnership Channel 0 Agency 0 Group 0 Group Savings 13.0 Bancassurance 0 Direct 0	Distribution Channel Bancassurance & Broker 0 Group Protection 0 Agency & Direct 0 Partnership Channel 0 Agency 24.0 Group 0 Group Savings 0 Bancassurance 65.0 Direct 0 Others 11.0
Investment Break-Up	Investment Break-Up Government securities 64.5 Other Approved investments 25.63 Investments in Infrastructure and Social Sector 5.6 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 4.27	Investment Break-Up Government securities 53.06 Other Approved investments 0 Deep Discount Bonds 0.36 Other Approved Securities 0 0 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Equity 7.92 Debenture 6.31 Other than Approved Investments 1.65 Government securities 0 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 12.77 Investment Property 0.49 0 Fixed Deposits 0.32 Others 14.46	Investment Break-Up 0 Other Approved investments 0 Deep Discount Bonds 0 Other Approved Securities 13.63 Investments in Infrastructure and Social Sector 17.25 CBLO/Repo Investments 0 Mutual Funds 0 Equity 0 Debentures / Bonds 0 Other than Approved Investments 0 Government securities 0 Infrastructure Investment Fund 0 0 Investment Properties - Real Estate 0 Government securities 57.03 Fixed Deposit 0 Others 12.09
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 46.7 Non participating 39.92 Participating Life 12.29 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 0.15	Premium Break-Up - Life Insurance Linked Pension 0 Annuity Non participating 0 Non participating 0 Non-Participating 19.0 Participating Life 0 Non Participating 0 Protection 29.0 Term 0 Group Savings 14.0 Participating 10.0 Annuity 20.0 Linked Group Life 0 Unit linked(UL) 8.0 Linked Group Pension 0 Linked Life 0 Unit Linked 0	Premium Break-Up - Life Insurance Linked Pension 0 Annuity Non participating 0 Non participating 0 Non-Participating 0 Participating Life 0 Non participating 42.09 Protection 0 Term 0 Group Savings 0 Participating 9.1 Annuity 0 Linked Group Life 0 Unit linked(UL) 0 Linked Group Pension 0 Linked Life 0 Unit Linked 48.81

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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