ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	42337.0 Crs	52110.0 Crs	51260.0 Crs
Value Of New Business Margin (VNB)	23.7 %	24.6 %	26.8 %
Management Expense Ratio - Life Insurance	20.5 %	20.87 %	10.57 %
61 Month Persistency Ratio	64.1 %	60.0 %	66.14 %
13 Month Persistency Ratio	86.6 %	88.0 %	84.16 %
Commission Ratio - Life Insurance	11.1 %	10.94 %	4.97 %
AUM - Life Insurance	320491.0 Crs	324940.0 Crs	438950.0 Crs
New Business Performance - Life Insurance	1664.81 Crs	2799.15 Crs	2648.38 Crs
Claim Settlement Ratio	99.17 %	99.7 %	99.17 %
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	114.47	88.24	71.76
5yr CAGR Net Profit	-4.43 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	73.05 %	50.34 %	55.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.37 %	-3.47 %	-0.3 %
Change in Mutual Fund Holding (3 Yrs)	4.0 %	5.98 %	1.26 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 10.9 Variable Insurance 0 Pension 0 Life 0 Others 89.1	-	Product Wise Break-Up Life 80.52 Variable Insurance 0.27 Annuity 6.25 Pension 12.93 Others 0.03
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 Agency 29.4 Bancassurance 28.8 Direct 15.2 Group 15.1 Partnership Channel 11.5 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Partnership Channel 0 Group Savings 13.0 Group 0 Group Premium 11.0 Direct 0 Agency 20.0 Agency 0 Bancassurance 56.0 Bancassurance 0	Distribution Channel Partnership Channel 0 Group Savings 0 Group 0 Group Protection 0 Direct 0 Agency & Direct 0 Agency 21.0 Bancassurance & Broker 0 Bancassurance 51.0 Others 28.0
Investment Break-Up	Investment Break-Up Government securities 57.38 Other Approved investments 26.35 Investments in Infrastructure and Social Sector 16.27 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	Investment Break-Up 0 Investment Property 0.49 Government securities 53.06 Fixed Deposits 0.32 Other Approved investments 0 Mutual Fund 0.15 Other than Approved Investments 1.65 Investments in Infrastructure and Social Sector 12.77 Government securities 0 Infrastructure Investment Fund 0 Debenture 6.31 0 Deep Discount Bonds 0.36 Equity 7.92 CBLO/Repo Investments 2.51 Other Approved Securities 0 Others 14.46	Investment Break-Up Investments in Infrastructure and Social Sector 1.8 Investment Properties - Real Estate 0 0 Fixed Deposit 0 Other Approved investments 0 Mutual Funds 0 Other than Approved Investments 0 0 Government securities 0 Infrastructure Investment Fund 0 Debentures / Bonds 0 Government securities 52.08 Deep Discount Bonds 0 Equity 0 CBLO/Repo Investments 0 Other Approved Securities 46.12
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 41.04 Participating Life 12.38 Linked Pension 0.86 Linked Group Pension 0 Linked Group Life 0 Annuity Non participating 0 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 45.72	Premium Break-Up - Life Insurance Linked Group Pension 0 Protection 29.0 Non Participating 0 Group Savings 14.0 Annuity Non participating 0 Linked Life 0 Participating Life 0 Annuity 20.0 Non participating 0 Non-Participating 19.0 Unit linked(UL) 8.0 Linked Group Life 0 Participating 10.0 Unit Linked 0 Term 0 Linked Pension 0	Premium Break-Up - Life Insurance Linked Group Pension 0 Protection 0 Non participating 44.45 Group Savings 0 Annuity Non participating 0 Linked Life 0 Participating Life 0 Annuity 0 Non participating 0 Non-Participating 0 Unit linked(UL) 0 Linked Group Life 0 Participating 8.37 Unit Linked 47.18 Term 0 Linked Pension 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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