Life Insurance Corporation of India benchmarking: Perfomance to industry peers

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance
Embedded Value	813230.0 Crs	59540.0 Crs	76000.0 Crs
Value Of New Business Margin (VNB)	16.2 %	24.5 %	27.5 %
Management Expense Ratio - Life Insurance	12.03 %	21.3 %	11.0 %
13 Month Persistency Ratio	68.19 %	86.0 %	84.51 %
61 Month Persistency Ratio	55.12 %	62.0 %	54.85 %
Commission Ratio - Life Insurance	4.56 %	12.0 %	4.94 %
AUM - Life Insurance	5722896.0 Crs	359999.0 Crs	481460.0 Crs
New Business Performance - Life Insurance	21293.88 Crs	3108.4 Crs	6336.96 Crs
Claim Settlement Ratio	97.25 %	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	9.95	81.88	80.98
5yr CAGR Net Profit	74.64 %	5.88 %	10.64 %
Shareholdings
Promoter Holding	96.5 %	50.21 %	55.34 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-0.11 %	-0.11 %
Change in Mutual Fund Holding (3 Yrs)	0.54 %	8.68 %	3.69 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 74.0 Pension Business 22.66 Annuity Business 3.35 Health Business 0 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0	-	Product Wise Break-Up Pension 10.97 Pension Business 0 Variable Business 0 Life 81.72 Annuity 7.27 Life Insurance 0 Annuity Business 0 Variable Insurance 0.02 Health Business 0 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 Individual Agents 93.8 Corporate Agents - Banks 3.12 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Direct 0 Agency 0 Broker 0 Bancassurance 0	Distribution Channel Corporate Agents - Others 0 Agency 17.0 Direct Business 0 Web Aggregators 0 Individual Agents 0 Bancassurance 50.0 Group Savings 22.0 Corporate Agents - Banks 0 Broker 11.0	Distribution Channel Corporate Agents - Others 0 Agency 19.0 Direct Business 0 Web Aggregators 0 Individual Agents 0 Bancassurance 53.0 Direct 0 Corporate Agents - Banks 0 Broker 0 Others 28.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 61.46 Other Investments 29.38 Investments In Infrastructure 8.12 Other than Approved Securities 0.92 Other Approved Securities 0.12 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 0 0	Investment Break-Up Government Securities & Treasury Bills 0 CBLO/Repo Investments 2.51 Investment Property 0.49 Investments in Infrastructure and Social Sector 12.77 0 Fixed Deposits 0.32 Deep Discount Bonds 0.36 Government securities 53.06 Other than Approved Investments 1.65 Mutual Fund 0.15 Debenture 6.31 Equity 7.92 Other Approved Securities 0 0 Other Investments 0 Infrastructure Investment Fund 0 Other than Approved Securities 0 Investments In Infrastructure 0 Others 14.46	Investment Break-Up Government Securities & Treasury Bills 0 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 0 Government securities 48.76 Fixed Deposit 0 Deep Discount Bonds 0 0 Other than Approved Investments 0 Mutual Funds 0 Debentures / Bonds 0 Equity 0 Other Approved Securities 36.97 Investments in Infrastructure and Social Sector 14.24 Other Investments 0 Infrastructure Investment Fund 0 Other than Approved Securities 0 Investments In Infrastructure 0 Others 0.03
Premium Break-Up	Premium Break-Up North India 27.68 South India 26.58 West India 25.85 East India 19.89	-	-

Life Insurance Corporation of India

Life Insurance Corporation of India

Financial

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