SBI Life Insurance Company Ltd. benchmarking: Perfomance to industry peers

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	74260.0 Crs	58355.0 Crs	776876.0 Crs
Value Of New Business Margin (VNB)	27.4 %	25.1 %	15.4 %
Management Expense Ratio - Life Insurance	9.67 %	17.9 %	10.47 %
61 Month Persistency Ratio	63.3 %	64.0 %	58.31 %
13 Month Persistency Ratio	86.1 %	86.0 %	70.9 %
Commission Ratio - Life Insurance	4.9 %	10.7 %	4.15 %
AUM - Life Insurance	475810.0 Crs	355897.0 Crs	5705341.0 Crs
New Business Performance - Life Insurance	3321.24 Crs	3063.85 Crs	16022.77 Crs
Claim Settlement Ratio	99.4 %	99.8 %	94.59 %
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	71.91	86.69	11.85
5yr CAGR Net Profit	10.64 %	5.88 %	74.64 %
Shareholdings
Promoter Holding	55.37 %	50.28 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	-1.24 %	0.0
Change in Mutual Fund Holding (3 Yrs)	2.65 %	6.96 %	0.5 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 81.08 Pension 12.69 Annuity 6.16 Variable Insurance 0.04 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.03	-	Product Wise Break-Up Variable Business 0 Life Insurance 74.0 Life 0 Annuity 0 Variable Insurance 0 Health Business 0 Pension 0 Annuity Business 3.35 Pension Business 22.66
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 0 Domestic 100.0	Location Wise Break-Up India 100.0 Domestic 0
Distribution Channel	Distribution Channel Bancassurance 48.0 Agency 19.0 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 33.0	Distribution Channel Bancassurance 0 Corporate Agents - Banks 0 Web Aggregators 0 Individual Agents 0 Group Premium 11.0 Group Savings 13.0 Agency 20.0 Agency 0 Corporate Agents - Others 0 Direct Business 0 Bancassurance 56.0	Distribution Channel Bancassurance 0 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Individual Agents 93.8 Group Protection 0 Group Savings 0 Agency & Direct 0 Agency 0 Corporate Agents - Others 0.12 Direct Business 2.2 Bancassurance & Broker 0
Investment Break-Up	Investment Break-Up Government securities 50.47 Other Approved Securities 34.42 Investments in Infrastructure and Social Sector 13.28 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 than Approved Securities 0 Investments In Infrastructure 0 Other Investments 0 Government Securities & Treasury Bills 0 Others 1.83	Investment Break-Up Investment Property 0.49 Equity 7.92 Government Securities & Treasury Bills 0 Government securities 0 Other Approved Securities 0 Debenture 6.31 Other than Approved Investments 1.65 CBLO/Repo Investments 2.51 Investments in Infrastructure and Social Sector 12.77 Government securities 53.06 Investments In Infrastructure 0 Mutual Fund 0.15 Other Investments 0 Infrastructure Investment Fund 0 Other than Approved Securities 0 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Others 14.46	Investment Break-Up Investment Properties - Real Estate 0 Equity 0 Government Securities & Treasury Bills 60.31 Government securities 0 Other Approved Securities 0.12 Debentures / Bonds 0 Other than Approved Investments 0 CBLO/Repo Investments 0 0 0 Investments In Infrastructure 8.2 Mutual Funds 0 Other Investments 30.43 Infrastructure Investment Fund 0 Other than Approved Securities 0.94 Deep Discount Bonds 0 Fixed Deposit 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 53.84 Non participating 37.77 Participating 8.39 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Protection 29.0 Participating 10.0 Term 0 Annuity 20.0 Unit Linked 0 Group Savings 14.0 Non-Participating 19.0 Non participating 0 Unit linked(UL) 8.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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