Life Insurance Corporation of India benchmarking: Perfomance to industry peers

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance
Embedded Value	813230.0 Crs	59540.0 Crs	76000.0 Crs
Value Of New Business Margin (VNB)	16.2 %	24.5 %	27.5 %
Management Expense Ratio - Life Insurance	12.03 %	21.3 %	11.0 %
13 Month Persistency Ratio	68.19 %	86.0 %	84.51 %
61 Month Persistency Ratio	55.12 %	62.0 %	54.85 %
Commission Ratio - Life Insurance	4.56 %	12.0 %	4.94 %
AUM - Life Insurance	5722896.0 Crs	359999.0 Crs	481460.0 Crs
New Business Performance - Life Insurance	19274.01 Crs	2828.81 Crs	3185.01 Crs
Claim Settlement Ratio	97.25 %	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	10.75	85.67	80.63
5yr CAGR Net Profit	74.64 %	5.88 %	10.64 %
Shareholdings
Promoter Holding	96.5 %	50.25 %	55.36 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.07 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	0.58 %	7.18 %	3.33 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 74.0 Pension Business 22.66 Annuity Business 3.35 Health Business 0 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0	-	Product Wise Break-Up Health Business 0 Variable Insurance 0.11 Annuity Business 0 Variable Business 0 Annuity 6.96 Pension Business 0 Life 82.95 Pension 9.95 Life Insurance 0 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 Individual Agents 93.8 Corporate Agents - Banks 3.12 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Direct 0 Agency 0 Broker 0 Bancassurance 0	Distribution Channel Bancassurance 50.0 Group Savings 22.0 Agency 17.0 Corporate Agents - Banks 0 Individual Agents 0 Corporate Agents - Others 0 Broker 11.0 Web Aggregators 0 Direct Business 0	Distribution Channel Bancassurance 48.0 Direct 0 Agency 20.0 Corporate Agents - Banks 0 Individual Agents 0 Corporate Agents - Others 0 Broker 0 Web Aggregators 0 Direct Business 0 Others 32.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 61.46 Other Investments 29.38 Investments In Infrastructure 8.12 Other than Approved Securities 0.92 Other Approved Securities 0.12 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 0 0	Investment Break-Up Other than Approved Securities 0 Investments In Infrastructure 0 Other Approved Securities 0 Government Securities & Treasury Bills 0 Other Investments 0 Other than Approved Investments 1.65 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Fixed Deposits 0.32 0 0 Investment Property 0.49 Deep Discount Bonds 0.36 Debenture 6.31 Investments in Infrastructure and Social Sector 12.77 Government securities 53.06 Equity 7.92 Infrastructure Investment Fund 0 Others 14.46	Investment Break-Up Other than Approved Securities 0 Investments In Infrastructure 0 Other Approved Securities 35.47 Government Securities & Treasury Bills 0 Other Investments 0 Other than Approved Investments 0 CBLO/Repo Investments 0 Mutual Funds 0 Fixed Deposit 0 Government securities 49.57 Investments in Infrastructure and Social Sector 14.96 Investment Properties - Real Estate 0 Deep Discount Bonds 0 Debentures / Bonds 0 0 0 Equity 0 Infrastructure Investment Fund 0
Premium Break-Up	Premium Break-Up North India 27.68 South India 26.58 West India 25.85 East India 19.89	-	-

Life Insurance Corporation of India

Life Insurance Corporation of India

Financial

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