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

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance
Embedded Value	80130.0 Crs	62139.0 Crs	813230.0 Crs
Value Of New Business Margin (VNB)	27.2 %	24.2 %	16.2 %
Management Expense Ratio - Life Insurance	11.56 %	24.1 %	12.03 %
61 Month Persistency Ratio	55.44 %	62.4 %	55.12 %
13 Month Persistency Ratio	82.62 %	79.5 %	68.19 %
Commission Ratio - Life Insurance	5.29 %	12.1 %	4.56 %
AUM - Life Insurance	511710.0 Crs	375198.0 Crs	5722896.0 Crs
New Business Performance - Life Insurance	4894.88 Crs	5612.59 Crs	43310.24 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	73.96	67.08	9.87
5yr CAGR Net Profit	10.64 %	5.88 %	74.64 %
Shareholdings
Promoter Holding	55.33 %	50.21 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.12 %	-0.1 %	0.0
Change in Mutual Fund Holding (3 Yrs)	4.18 %	10.45 %	0.5 %

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 Health Business 0 Life 0 Pension Business 22.66 Variable Insurance 0 Variable Business 0 Annuity 0 Life Insurance 74.0 Annuity Business 3.35
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 50.0 Agency 20.0 Direct 0 Broker 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 30.0	Distribution Channel Group Savings 22.0 Corporate Agents - Banks 0 Corporate Agents - Others 0 Individual Agents 0 Bancassurance 50.0 Agency 17.0 Broker 11.0 Web Aggregators 0 Direct Business 0	Distribution Channel Direct 0 Corporate Agents - Banks 3.12 Corporate Agents - Others 0.12 Individual Agents 93.8 Bancassurance 0 Agency 0 Broker 0 Web Aggregators 0.76 Direct Business 2.2
Investment Break-Up	Investment Break-Up Government securities 47.58 Other Approved Securities 39.09 Investments in Infrastructure and Social Sector 13.33 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	Investment Break-Up Investments in Infrastructure and Social Sector 12.77 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Equity 7.92 Government securities 0 Other Approved Securities 0 Other than Approved Securities 0 Other Investments 0 Fixed Deposits 0.32 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Government securities 53.06 Deep Discount Bonds 0.36 Investments In Infrastructure 0 Debenture 6.31 Other than Approved Investments 1.65 Investment Property 0.49 Others 14.46	Investment Break-Up 0 CBLO/Repo Investments 0 Mutual Funds 0 Equity 0 Government securities 0 Other Approved Securities 0.12 Other than Approved Securities 7.76 Other Investments 0.94 Fixed Deposit 0 Government Securities & Treasury Bills 60.67 Infrastructure Investment Fund 0 0 Deep Discount Bonds 0 Investments In Infrastructure 30.51 Debentures / Bonds 0 Other than Approved Investments 0 Investment Properties - Real Estate 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 59.73 Non participating 32.86 Participating 7.41 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Term 0 Participating 11.0 Non participating 0 Protection 29.0 Unit linked(UL) 19.0 Unit Linked 0 Annuity 16.0 Non-Participating 7.0 Group Savings 18.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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