ICICI Prudential Life Insurance Company Ltd. benchmarking: Perfomance to industry peers

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance
Embedded Value	50501.0 Crs	59540.0 Crs	76000.0 Crs
Value Of New Business Margin (VNB)	24.5 %	24.5 %	27.5 %
Management Expense Ratio - Life Insurance	17.5 %	21.3 %	11.0 %
61 Month Persistency Ratio	59.4 %	62.0 %	54.85 %
13 Month Persistency Ratio	82.4 %	86.0 %	84.51 %
Commission Ratio - Life Insurance	10.3 %	12.0 %	4.94 %
AUM - Life Insurance	321494.0 Crs	359999.0 Crs	481460.0 Crs
New Business Performance - Life Insurance	1945.23 Crs	3108.4 Crs	6336.96 Crs
Claim Settlement Ratio	99.6 %	99.8 %	99.4 %
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	67.88	81.88	80.98
5yr CAGR Net Profit	4.39 %	5.88 %	10.64 %
Shareholdings
Promoter Holding	72.88 %	50.21 %	55.34 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.47 %	-0.11 %	-0.11 %
Change in Mutual Fund Holding (3 Yrs)	3.7 %	8.68 %	3.69 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 6.09 Variable Insurance 0 Pension 0 Life 0 Others 93.91	-	Product Wise Break-Up Annuity 7.27 Life 81.72 Variable Insurance 0.02 Pension 10.97 Others 0.02
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 Agency 28.9 Bancassurance 26.7 Group 16.2 Direct 14.7 Partnership Channel 13.5 Broker 0	Distribution Channel Partnership Channel 0 Agency 17.0 Group Savings 22.0 Bancassurance 50.0 Group 0 Broker 11.0	Distribution Channel Partnership Channel 0 Agency 19.0 Direct 0 Bancassurance 53.0 Group 0 Broker 0 Others 28.0
Investment Break-Up	Investment Break-Up Government securities 48.07 Other Approved investments 28.75 Investments in Infrastructure and Social Sector 9.06 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 Approved Securities 0 0 0 Others 14.12	Investment Break-Up Mutual Fund 0.15 Government securities 0 Government securities 53.06 0 Equity 7.92 Investment Property 0.49 Fixed Deposits 0.32 0 CBLO/Repo Investments 2.51 Other Approved Securities 0 Deep Discount Bonds 0.36 Infrastructure Investment Fund 0 Investments in Infrastructure and Social Sector 12.77 Other than Approved Investments 1.65 Debenture 6.31 Other Approved investments 0 Others 14.46	Investment Break-Up Mutual Funds 0 Government securities 0 0 Investments in Infrastructure and Social Sector 14.24 Equity 0 Investment Properties - Real Estate 0 Fixed Deposit 0 Government securities 48.76 CBLO/Repo Investments 0 Other Approved Securities 36.97 Deep Discount Bonds 0 Infrastructure Investment Fund 0 0 Other than Approved Investments 0 Debentures / Bonds 0 Other Approved investments 0 Others 0.03
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 50.08 Non participating 31.34 Participating Life 11.24 Linked Pension 1.09 Linked Group Pension 0 Linked Group Life 0 Annuity Non participating 0 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Participating 0 Unit linked(UL) 0 Unit Linked 0 Non Participating 0 Others 6.25	Premium Break-Up - Life Insurance Participating Life 0 Linked Group Pension 0 Non-Participating 7.0 Protection 29.0 Annuity Non participating 0 Linked Group Life 0 Group Savings 18.0 Non Participating 0 Non participating 0 Linked Life 0 Term 0 Participating 11.0 Unit linked(UL) 19.0 Linked Pension 0 Annuity 16.0 Unit Linked 0	Premium Break-Up - Life Insurance Participating Life 0 Linked Group Pension 0 Non-Participating 0 Protection 0 Annuity Non participating 0 Linked Group Life 0 Group Savings 0 Non participating 48.87 Non participating 0 Linked Life 0 Term 0 Participating 8.42 Unit linked(UL) 0 Linked Pension 0 Annuity 0 Unit Linked 42.69 Others 0.02

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

Financial

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