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

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance
Embedded Value	76000.0 Crs	59540.0 Crs	813230.0 Crs
Value Of New Business Margin (VNB)	27.5 %	24.5 %	16.2 %
Management Expense Ratio - Life Insurance	11.0 %	21.3 %	12.03 %
61 Month Persistency Ratio	54.85 %	62.0 %	55.12 %
13 Month Persistency Ratio	84.51 %	86.0 %	68.19 %
Commission Ratio - Life Insurance	4.94 %	12.0 %	4.56 %
AUM - Life Insurance	481460.0 Crs	359999.0 Crs	5722896.0 Crs
New Business Performance - Life Insurance	3185.01 Crs	2828.81 Crs	19274.01 Crs
Claim Settlement Ratio	99.4 %	99.8 %	97.25 %
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	82.64	87.02	11.17
5yr CAGR Net Profit	10.64 %	5.88 %	74.64 %
Shareholdings
Promoter Holding	55.36 %	50.25 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-0.07 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.33 %	7.18 %	0.58 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 82.95 Pension 9.95 Annuity 6.96 Variable Insurance 0.11 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.03	-	Product Wise Break-Up Pension Business 22.66 Life Insurance 74.0 Pension 0 Annuity 0 Life 0 Variable Insurance 0 Variable Business 0 Health Business 0 Annuity Business 3.35
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 20.0 Direct 0 Broker 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 32.0	Distribution Channel Individual Agents 0 Agency 17.0 Broker 11.0 Corporate Agents - Banks 0 Web Aggregators 0 Direct Business 0 Group Savings 22.0 Bancassurance 50.0 Corporate Agents - Others 0	Distribution Channel Individual Agents 93.8 Agency 0 Broker 0 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Direct Business 2.2 Direct 0 Bancassurance 0 Corporate Agents - Others 0.12
Investment Break-Up	Investment Break-Up Government securities 49.57 Other Approved Securities 35.47 Investments in Infrastructure and Social Sector 14.96 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	Investment Break-Up Other than Approved Securities 0 Deep Discount Bonds 0.36 Investment Property 0.49 Equity 7.92 Investments In Infrastructure 0 Investments in Infrastructure and Social Sector 12.77 Mutual Fund 0.15 Other Investments 0 Other than Approved Investments 1.65 Infrastructure Investment Fund 0 CBLO/Repo Investments 2.51 Other Approved Securities 0 Fixed Deposits 0.32 Government securities 53.06 Government securities 0 Government Securities & Treasury Bills 0 Debenture 6.31 Others 14.46	Investment Break-Up Other than Approved Securities 0.92 Deep Discount Bonds 0 Investment Properties - Real Estate 0 Equity 0 Investments In Infrastructure 8.12 0 Mutual Funds 0 Other Investments 29.38 Other than Approved Investments 0 Infrastructure Investment Fund 0 CBLO/Repo Investments 0 Other Approved Securities 0.12 Fixed Deposit 0 0 Government securities 0 Government Securities & Treasury Bills 61.46 Debentures / Bonds 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non participating 48.87 Unit Linked 42.69 Participating 8.42 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0 Others 0.02	Premium Break-Up - Life Insurance Unit linked(UL) 19.0 Annuity 16.0 Unit Linked 0 Group Savings 18.0 Non-Participating 7.0 Non participating 0 Protection 29.0 Term 0 Participating 11.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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