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

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance
Embedded Value	52989.0 Crs	62139.0 Crs	80130.0 Crs
Value Of New Business Margin (VNB)	24.7 %	24.2 %	27.2 %
Management Expense Ratio - Life Insurance	19.3 %	24.1 %	11.56 %
61 Month Persistency Ratio	58.7 %	62.4 %	55.44 %
13 Month Persistency Ratio	80.3 %	79.5 %	82.62 %
Commission Ratio - Life Insurance	10.1 %	12.1 %	5.29 %
AUM - Life Insurance	313634.0 Crs	375198.0 Crs	511710.0 Crs
New Business Performance - Life Insurance	5581.05 Crs	5612.59 Crs	4894.88 Crs
Claim Settlement Ratio	99.3 %	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	47.27	67.08	73.96
5yr CAGR Net Profit	4.39 %	5.88 %	10.64 %
Shareholdings
Promoter Holding	72.8 %	50.21 %	55.33 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.55 %	-0.1 %	-0.12 %
Change in Mutual Fund Holding (3 Yrs)	4.86 %	10.45 %	4.18 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 6.4 Variable Insurance 0 Pension 0 Life 0 Others 93.6	-	Product Wise Break-Up Annuity 7.27 Life 81.72 Pension 10.97 Variable Insurance 0.02 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 Bancassurance 31.5 Agency 23.2 Group 20.2 Partnership Channel 13.4 Direct 11.7 Broker 0	Distribution Channel Group Savings 22.0 Group 0 Agency 17.0 Partnership Channel 0 Bancassurance 50.0 Broker 11.0	Distribution Channel Direct 0 Group 0 Agency 20.0 Partnership Channel 0 Bancassurance 50.0 Broker 0 Others 30.0
Investment Break-Up	Investment Break-Up Government securities 46.88 Other Approved investments 29.49 Investments in Infrastructure and Social Sector 22.98 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 0.65	Investment Break-Up Deep Discount Bonds 0.36 Fixed Deposits 0.32 0 Infrastructure Investment Fund 0 Other than Approved Investments 1.65 Investments in Infrastructure and Social Sector 12.77 Debenture 6.31 Equity 7.92 Investment Property 0.49 Government securities 0 Other Approved investments 0 Other Approved Securities 0 Mutual Fund 0.15 CBLO/Repo Investments 2.51 Government securities 53.06 0 Others 14.46	Investment Break-Up Deep Discount Bonds 0 Fixed Deposit 0 Investments in Infrastructure and Social Sector 13.33 Infrastructure Investment Fund 0 Other than Approved Investments 0 0 Debentures / Bonds 0 Equity 0 Investment Properties - Real Estate 0 Government securities 0 Other Approved investments 0 Other Approved Securities 39.09 Mutual Funds 0 CBLO/Repo Investments 0 0 Government securities 47.58
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 46.85 Non participating 34.0 Participating Life 10.71 Linked Pension 2.35 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 6.09	Premium Break-Up - Life Insurance Annuity 16.0 Linked Life 0 Term 0 Non Participating 0 Non participating 0 Annuity Non participating 0 Non-Participating 7.0 Linked Group Life 0 Linked Group Pension 0 Participating 11.0 Linked Pension 0 Unit Linked 0 Unit linked(UL) 19.0 Protection 29.0 Participating Life 0 Group Savings 18.0	Premium Break-Up - Life Insurance Annuity 0 Linked Life 0 Term 0 Non participating 32.86 Non participating 0 Annuity Non participating 0 Non-Participating 0 Linked Group Life 0 Linked Group Pension 0 Participating 7.41 Linked Pension 0 Unit Linked 59.73 Unit linked(UL) 0 Protection 0 Participating Life 0 Group Savings 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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