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	74.62	68.0	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 Variable Business 0 Life 0 Pension Business 22.66 Life Insurance 74.0 Variable Insurance 0 Pension 0 Health Business 0 Annuity Business 3.35 Annuity 0
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 Direct Business 0 Corporate Agents - Others 0 Agency 17.0 Web Aggregators 0 Group Savings 22.0 Bancassurance 50.0 Broker 11.0 Individual Agents 0 Corporate Agents - Banks 0	Distribution Channel Direct Business 2.2 Corporate Agents - Others 0.12 Agency 0 Web Aggregators 0.76 Direct 0 Bancassurance 0 Broker 0 Individual Agents 93.8 Corporate Agents - Banks 3.12
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 Government securities 0 Mutual Fund 0.15 Infrastructure Investment Fund 0 CBLO/Repo Investments 2.51 Investment Property 0.49 Government securities 53.06 Other than Approved Securities 0 Other Approved Securities 0 Investments In Infrastructure 0 Deep Discount Bonds 0.36 Other than Approved Investments 1.65 Fixed Deposits 0.32 Government Securities & Treasury Bills 0 Equity 7.92 Debenture 6.31 Investments in Infrastructure and Social Sector 12.77 Other Investments 0 Others 14.46	Investment Break-Up Government securities 0 Mutual Funds 0 Infrastructure Investment Fund 0 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 0 Other than Approved Securities 7.76 Other Approved Securities 0.12 Investments In Infrastructure 30.51 Deep Discount Bonds 0 Other than Approved Investments 0 Fixed Deposit 0 Government Securities & Treasury Bills 60.67 Equity 0 Debentures / Bonds 0 0 Other Investments 0.94
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 Protection 29.0 Participating 11.0 Unit linked(UL) 19.0 Non-Participating 7.0 Unit Linked 0 Non participating 0 Term 0 Annuity 16.0 Group Savings 18.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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