SBI Life Insurance Company Ltd.

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 %	17.6 %
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	3802.57 Crs	3054.15 Crs	22617.64 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	74.11	90.4	11.53
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 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 Health Business 0 Life Insurance 74.0 Annuity 0 Annuity Business 3.35 Pension 0 Variable Business 0 Life 0 Variable Insurance 0 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 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 Group Savings 13.0 Agency 0 Bancassurance 56.0 Corporate Agents - Banks 0 Agency 20.0 Bancassurance 0 Individual Agents 0 Corporate Agents - Others 0 Group Premium 11.0 Web Aggregators 0 Direct Business 0	Distribution Channel Group Savings 0 Agency 0 Bancassurance & Broker 0 Corporate Agents - Banks 3.12 Agency & Direct 0 Bancassurance 0 Individual Agents 93.8 Corporate Agents - Others 0.12 Group Protection 0 Web Aggregators 0.76 Direct Business 2.2
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 Investments in Infrastructure and Social Sector 12.77 Other Approved Securities 0 Fixed Deposits 0.32 Other than Approved Investments 1.65 Debenture 6.31 Deep Discount Bonds 0.36 Government securities 53.06 Investments In Infrastructure 0 CBLO/Repo Investments 2.51 Investment Property 0.49 Government Securities & Treasury Bills 0 Government securities 0 Other Investments 0 Equity 7.92 Other than Approved Securities 0 Mutual Fund 0.15 Infrastructure Investment Fund 0 Others 14.46	Investment Break-Up 0 Other Approved Securities 0.12 Fixed Deposit 0 Other than Approved Investments 0 Debentures / Bonds 0 Deep Discount Bonds 0 0 Investments In Infrastructure 8.09 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 Government Securities & Treasury Bills 61.49 Government securities 0 Other Investments 29.38 Equity 0 Other than Approved Securities 0.92 Mutual Funds 0 Infrastructure Investment Fund 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 Group Savings 14.0 Participating 10.0 Unit Linked 0 Annuity 20.0 Non participating 0 Unit linked(UL) 8.0 Term 0 Non-Participating 19.0 Protection 29.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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