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

Financial

	SBI Life Insurance	HDFC Life Insurance	Life Insurance Corp.
Operational Metrics
Life Insurance
Embedded Value	80130.0 Crs	62139.0 Crs	789185.0 Crs
Value Of New Business Margin (VNB)	27.2 %	24.2 %	21.2 %
Management Expense Ratio - Life Insurance	11.56 %	24.1 %	12.51 %
61 Month Persistency Ratio	55.44 %	62.4 %	54.13 %
13 Month Persistency Ratio	82.62 %	79.5 %	67.77 %
Commission Ratio - Life Insurance	5.29 %	12.1 %	4.68 %
AUM - Life Insurance	511710.0 Crs	375198.0 Crs	5729396.0 Crs
New Business Performance - Life Insurance	3196.11 Crs	3324.01 Crs	27724.62 Crs
Claim Settlement Ratio	99.4 %	99.8 %	99.44 %
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	72.0	60.79	0.0
5yr CAGR Net Profit	10.4 %	7.58 %	69.35 %
Shareholdings
Promoter Holding	55.32 %	50.54 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.13 %	0.21 %	0.0
Change in Mutual Fund Holding (3 Yrs)	5.3 %	12.56 %	0.27 %

Business

	SBI Life Insurance	HDFC Life Insurance	Life Insurance Corp.
Product Wise Break-Up	Product Wise Break-Up Life 84.3 Pension 8.7 Annuity 6.96 Variable Insurance 0.01 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.03	-	Product Wise Break-Up Annuity 0 Life Insurance 76.05 Health Business 0 Variable Business 0 Life 0 Variable Insurance 0 Annuity Business 3.09 Pension Business 20.86 Pension 0
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 4.4 Agency 2.2 Direct 0 Broker 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 93.4	Distribution Channel Agency 17.0 Individual Agents 0 Corporate Agents - Banks 0 Bancassurance 50.0 Direct Business 0 Group Savings 22.0 Broker 11.0 Web Aggregators 0 Corporate Agents - Others 0	Distribution Channel Agency 0 Individual Agents 93.8 Corporate Agents - Banks 3.12 Bancassurance 0 Direct Business 2.2 Direct 0 Broker 0 Web Aggregators 0.76 Corporate Agents - Others 0.12
Investment Break-Up	Investment Break-Up Government securities 49.7 Other Approved Securities 35.45 Investments in Infrastructure and Social Sector 13.89 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 0.96	Investment Break-Up Investment Property 0.49 Other Approved Securities 0 Other than Approved Investments 1.65 Government Securities & Treasury Bills 0 Fixed Deposits 0.32 Infrastructure Investment Fund 0 Government securities 53.06 Deep Discount Bonds 0.36 Investments In Infrastructure 0 Government securities 0 Mutual Fund 0.15 Investments in Infrastructure and Social Sector 12.77 Other than Approved Securities 0 Other Investments 0 Debenture 6.31 Equity 7.92 CBLO/Repo Investments 2.51 Others 14.46	Investment Break-Up Investment Properties - Real Estate 0 Other Approved Securities 0.07 Other than Approved Investments 0 Government Securities & Treasury Bills 63.15 Fixed Deposit 0 Infrastructure Investment Fund 0 0 Deep Discount Bonds 0 Investments In Infrastructure 7.99 Government securities 0 Mutual Funds 0 0 Other than Approved Securities 0.86 Other Investments 27.92 Debentures / Bonds 0 Equity 0 CBLO/Repo Investments 0 Others 0.01
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 51.77 Non participating 40.03 Participating 8.2 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Annuity 15.0 Participating 10.0 Group Savings 19.0 Non-Participating 7.0 Unit linked(UL) 20.0 Protection 29.0 Term 0 Non participating 0 Unit Linked 0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

Financial

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