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

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance
Embedded Value	76000.0 Crs	59540.0 Crs	813230.0 Crs
Value Of New Business Margin (VNB)	27.5 %	24.5 %	16.2 %
Management Expense Ratio - Life Insurance	11.0 %	21.3 %	12.03 %
61 Month Persistency Ratio	54.85 %	62.0 %	55.12 %
13 Month Persistency Ratio	84.51 %	86.0 %	68.19 %
Commission Ratio - Life Insurance	4.94 %	12.0 %	4.56 %
AUM - Life Insurance	481460.0 Crs	359999.0 Crs	5722896.0 Crs
New Business Performance - Life Insurance	6336.96 Crs	3108.4 Crs	21293.88 Crs
Claim Settlement Ratio	99.4 %	99.8 %	97.25 %
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	80.98	81.88	9.95
5yr CAGR Net Profit	10.64 %	5.88 %	74.64 %
Shareholdings
Promoter Holding	55.34 %	50.21 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.11 %	-0.11 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.69 %	8.68 %	0.54 %

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 Pension 0 Life Insurance 74.0 Pension Business 22.66 Annuity 0 Variable Insurance 0 Annuity Business 3.35 Health Business 0 Variable Business 0 Life 0
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 53.0 Agency 19.0 Direct 0 Broker 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 28.0	Distribution Channel Group Savings 22.0 Bancassurance 50.0 Corporate Agents - Others 0 Direct Business 0 Corporate Agents - Banks 0 Web Aggregators 0 Individual Agents 0 Broker 11.0 Agency 17.0	Distribution Channel Direct 0 Bancassurance 0 Corporate Agents - Others 0.12 Direct Business 2.2 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Individual Agents 93.8 Broker 0 Agency 0
Investment Break-Up	Investment Break-Up Government securities 48.76 Other Approved Securities 36.97 Investments in Infrastructure and Social Sector 14.24 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 Others 0.03	Investment Break-Up Debenture 6.31 Investment Property 0.49 Government securities 53.06 Mutual Fund 0.15 Other Approved Securities 0 Fixed Deposits 0.32 Other than Approved Securities 0 Government securities 0 Government Securities & Treasury Bills 0 Other than Approved Investments 1.65 Deep Discount Bonds 0.36 Investments In Infrastructure 0 CBLO/Repo Investments 2.51 Infrastructure Investment Fund 0 Equity 7.92 Investments in Infrastructure and Social Sector 12.77 Other Investments 0 Others 14.46	Investment Break-Up Debentures / Bonds 0 Investment Properties - Real Estate 0 0 Mutual Funds 0 Other Approved Securities 0.12 Fixed Deposit 0 Other than Approved Securities 0.92 Government securities 0 Government Securities & Treasury Bills 61.46 Other than Approved Investments 0 Deep Discount Bonds 0 Investments In Infrastructure 8.12 CBLO/Repo Investments 0 Infrastructure Investment Fund 0 Equity 0 0 Other Investments 29.38
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Non participating 48.87 Unit Linked 42.69 Participating 8.42 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0 Others 0.02	Premium Break-Up - Life Insurance Unit Linked 0 Non-Participating 7.0 Annuity 16.0 Term 0 Group Savings 18.0 Non participating 0 Protection 29.0 Participating 11.0 Unit linked(UL) 19.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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