ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	47951.0 Crs	55423.0 Crs	70250.0 Crs
Value Of New Business Margin (VNB)	22.8 %	25.6 %	27.8 %
Management Expense Ratio - Life Insurance	16.4 %	20.2 %	9.67 %
61 Month Persistency Ratio	62.6 %	57.8 %	63.3 %
13 Month Persistency Ratio	85.6 %	81.9 %	86.1 %
Commission Ratio - Life Insurance	8.7 %	11.2 %	4.9 %
AUM - Life Insurance	309359.0 Crs	336282.0 Crs	448040.0 Crs
New Business Performance - Life Insurance	3809.72 Crs	4875.53 Crs	3871.34 Crs
Claim Settlement Ratio	99.17 %	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	73.65	87.37	72.6
5yr CAGR Net Profit	-4.43 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	73.0 %	50.32 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.41 %	-1.21 %	-0.1 %
Change in Mutual Fund Holding (3 Yrs)	2.47 %	5.67 %	3.13 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 7.39 Variable Insurance 0 Pension 0 Life 0 Others 92.61	-	Product Wise Break-Up Life 78.92 Pension 15.47 Annuity 5.55 Variable Insurance 0.04 Others 0.02
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up Domestic 100.0 India 0	Location Wise Break-Up Domestic 0 India 100.0
Distribution Channel	Distribution Channel Bancassurance 32.9 Agency 26.5 Group 15.7 Direct 12.5 Partnership Channel 12.4 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Group 0 Partnership Channel 0 Agency 0 Group Savings 13.0 Bancassurance 56.0 Bancassurance 0 Group Premium 11.0 Direct 0 Agency 20.0	Distribution Channel Group 0 Partnership Channel 0 Agency 21.0 Group Savings 0 Bancassurance & Broker 0 Bancassurance 54.0 Group Protection 0 Direct 0 Agency & Direct 0 Others 25.0
Investment Break-Up	Investment Break-Up Government securities 54.73 Other Approved investments 21.46 Investments in Infrastructure and Social Sector 18.6 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 5.21	Investment Break-Up Investments in Infrastructure and Social Sector 12.77 Other Approved Securities 0 CBLO/Repo Investments 2.51 Equity 7.92 Mutual Fund 0.15 0 Other than Approved Investments 1.65 Debenture 6.31 Government securities 0 Infrastructure Investment Fund 0 Fixed Deposits 0.32 Government securities 53.06 Investment Property 0.49 Other Approved investments 0 0 Deep Discount Bonds 0.36 Others 14.46	Investment Break-Up 0 Other Approved Securities 34.83 CBLO/Repo Investments 0 Equity 0 Mutual Funds 0 Investments in Infrastructure and Social Sector 15.1 Other than Approved Investments 0 Debentures / Bonds 0 Government securities 0 Infrastructure Investment Fund 0 Fixed Deposit 0 0 Investment Properties - Real Estate 0 Other Approved investments 0 Government securities 49.65 Deep Discount Bonds 0 Others 0.42
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 56.52 Non participating 31.99 Participating Life 10.67 Linked Pension 0.69 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 0.13	Premium Break-Up - Life Insurance Non-Participating 19.0 Group Savings 14.0 Annuity Non participating 0 Term 0 Participating Life 0 Annuity 20.0 Unit linked(UL) 8.0 Non Participating 0 Linked Group Life 0 Participating 10.0 Unit Linked 0 Linked Life 0 Linked Group Pension 0 Protection 29.0 Linked Pension 0 Non participating 0	Premium Break-Up - Life Insurance Non-Participating 0 Group Savings 0 Annuity Non participating 0 Term 0 Participating Life 0 Annuity 0 Unit linked(UL) 0 Non participating 33.48 Linked Group Life 0 Participating 8.29 Unit Linked 58.23 Linked Life 0 Linked Group Pension 0 Protection 0 Linked Pension 0 Non participating 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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