SBI Life Insurance Company Ltd.

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	70250.0 Crs	55423.0 Crs	776876.0 Crs
Value Of New Business Margin (VNB)	27.8 %	25.6 %	17.6 %
Management Expense Ratio - Life Insurance	9.67 %	20.2 %	11.15 %
61 Month Persistency Ratio	63.3 %	57.8 %	58.54 %
13 Month Persistency Ratio	86.1 %	81.9 %	68.62 %
Commission Ratio - Life Insurance	4.9 %	11.2 %	5.21 %
AUM - Life Insurance	448040.0 Crs	336282.0 Crs	5452297.0 Crs
New Business Performance - Life Insurance	2950.72 Crs	3022.71 Crs	18405.05 Crs
Claim Settlement Ratio	99.4 %	99.8 %	99.41 %
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	72.85	89.53	12.28
5yr CAGR Net Profit	5.89 %	3.94 %	72.1 %
Shareholdings
Promoter Holding	55.38 %	50.32 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.21 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.13 %	5.67 %	0.39 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 78.92 Pension 15.47 Annuity 5.55 Variable Insurance 0.04 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.02	-	Product Wise Break-Up Pension 0 Annuity Business 3.13 Variable Insurance 0 Pension Business 23.18 Annuity 0 Life Insurance 73.69 Life 0 Health Business 0 Variable Business 0
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 54.0 Agency 21.0 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 25.0	Distribution Channel Individual Agents 0 Direct Business 0 Corporate Agents - Banks 0 Group Premium 11.0 Bancassurance 0 Agency 20.0 Bancassurance 56.0 Web Aggregators 0 Corporate Agents - Others 0 Agency 0 Group Savings 13.0	Distribution Channel Individual Agents 93.8 Direct Business 2.2 Corporate Agents - Banks 3.12 Group Protection 0 Bancassurance 0 Agency & Direct 0 Bancassurance & Broker 0 Web Aggregators 0.76 Corporate Agents - Others 0.12 Agency 0 Group Savings 0
Investment Break-Up	Investment Break-Up Government securities 49.65 Other Approved Securities 34.83 Investments in Infrastructure and Social Sector 15.1 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 0.42	Investment Break-Up Investment Property 0.49 Investments in Infrastructure and Social Sector 12.77 Government securities 0 Other than Approved Securities 0 Other Investments 0 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Investments In Infrastructure 0 CBLO/Repo Investments 2.51 Debenture 6.31 Other than Approved Investments 1.65 Other Approved Securities 0 Government Securities & Treasury Bills 0 Government securities 53.06 Mutual Fund 0.15 Infrastructure Investment Fund 0 Equity 7.92 Others 14.46	Investment Break-Up Investment Properties - Real Estate 0 0 Government securities 0 Other than Approved Securities 0.92 Other Investments 29.38 Deep Discount Bonds 0 Fixed Deposit 0 Investments In Infrastructure 8.09 CBLO/Repo Investments 0 Debentures / Bonds 0 Other than Approved Investments 0 Other Approved Securities 0.12 Government Securities & Treasury Bills 61.49 0 Mutual Funds 0 Infrastructure Investment Fund 0 Equity 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 58.23 Non participating 33.48 Participating 8.29 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Non-Participating 19.0 Unit linked(UL) 8.0 Unit Linked 0 Group Savings 14.0 Annuity 20.0 Protection 29.0 Participating 10.0 Non participating 0 Term 0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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