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

Financial

	SBI Life Insuran	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	3040.96 Crs	2531.42 Crs	18782.1 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	125.66	64.93	8.81
5yr CAGR Net Profit	10.4 %	5.88 %	74.64 %
Shareholdings
Promoter Holding	55.33 %	50.21 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.12 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.18 %	10.45 %	0.5 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 81.72 Pension 10.97 Annuity 7.27 Variable Insurance 0.02 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.02	-	Product Wise Break-Up Variable Business 0 Annuity Business 3.35 Pension Business 22.66 Annuity 0 Variable Insurance 0 Pension 0 Life 0 Health Business 0 Life Insurance 74.0
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 50.0 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 30.0	Distribution Channel Individual Agents 0 Bancassurance 50.0 Direct Business 0 Web Aggregators 0 Corporate Agents - Others 0 Group Savings 22.0 Broker 11.0 Corporate Agents - Banks 0 Agency 17.0	Distribution Channel Individual Agents 93.8 Bancassurance 0 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Direct 0 Broker 0 Corporate Agents - Banks 3.12 Agency 0
Investment Break-Up	Investment Break-Up Government securities 47.58 Other Approved Securities 39.09 Investments in Infrastructure and Social Sector 13.33 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 Equity 7.92 Other Investments 0 Investments In Infrastructure 0 Mutual Fund 0.15 Investments in Infrastructure and Social Sector 12.77 Deep Discount Bonds 0.36 Other than Approved Investments 1.65 Government Securities & Treasury Bills 0 CBLO/Repo Investments 2.51 Investment Property 0.49 Fixed Deposits 0.32 Government securities 53.06 Other Approved Securities 0 Government securities 0 Infrastructure Investment Fund 0 Debenture 6.31 Other than Approved Securities 0 Others 14.46	Investment Break-Up Equity 0 Other Investments 0.94 Investments In Infrastructure 30.51 Mutual Funds 0 0 Deep Discount Bonds 0 Other than Approved Investments 0 Government Securities & Treasury Bills 60.67 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 Fixed Deposit 0 0 Other Approved Securities 0.12 Government securities 0 Infrastructure Investment Fund 0 Debentures / Bonds 0 Other than Approved Securities 7.76
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 59.73 Non participating 32.86 Participating 7.41 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Non participating 0 Protection 29.0 Term 0 Group Savings 18.0 Annuity 16.0 Participating 11.0 Non-Participating 7.0 Unit Linked 0 Unit linked(UL) 19.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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