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	61840.0 Crs
Value Of New Business Margin (VNB)	22.8 %	24.6 %	26.9 %
Management Expense Ratio - Life Insurance	16.4 %	20.87 %	10.57 %
61 Month Persistency Ratio	62.6 %	60.0 %	63.3 %
13 Month Persistency Ratio	85.6 %	88.0 %	86.1 %
Commission Ratio - Life Insurance	8.7 %	10.94 %	4.9 %
AUM - Life Insurance	310414.0 Crs	324940.0 Crs	441680.0 Crs
New Business Performance - Life Insurance	1857.05 Crs	3213.76 Crs	2174.53 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	83.92	84.48	64.36
5yr CAGR Net Profit	-4.43 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	73.01 %	50.32 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.4 %	-3.45 %	-0.31 %
Change in Mutual Fund Holding (3 Yrs)	3.82 %	6.75 %	3.39 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 7.5 Variable Insurance 0 Pension 0 Life 0 Others 92.5	-	Product Wise Break-Up Variable Insurance 0.05 Life 78.96 Annuity 6.03 Pension 14.94 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 Agency 29.9 Bancassurance 25.0 Group 21.0 Direct 14.9 Partnership Channel 9.2 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Group Savings 13.0 Bancassurance 56.0 Direct 0 Group 0 Agency 20.0 Group Premium 11.0 Agency 0 Partnership Channel 0 Bancassurance 0	Distribution Channel Group Savings 0 Bancassurance & Broker 0 Direct 0 Group 0 Agency & Direct 0 Group Protection 0 Agency 21.0 Partnership Channel 0 Bancassurance 56.0 Others 23.0
Investment Break-Up	Investment Break-Up Government securities 55.33 Other Approved investments 27.25 Investments in Infrastructure and Social Sector 17.27 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 Others 0.15	Investment Break-Up Other Approved investments 0 Government securities 0 Debenture 6.31 Other Approved Securities 0 Investment Property 0.49 0 Government securities 53.06 Deep Discount Bonds 0.36 Infrastructure Investment Fund 0 Fixed Deposits 0.32 Equity 7.92 Other than Approved Investments 1.65 0 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Investments in Infrastructure and Social Sector 12.77 Others 14.46	Investment Break-Up Other Approved investments 0 Government securities 0 Debentures / Bonds 0 Other Approved Securities 35.18 Investment Properties - Real Estate 0 Government securities 49.5 0 Deep Discount Bonds 0 Infrastructure Investment Fund 0 Fixed Deposit 0 Equity 0 Other than Approved Investments 0 Investments in Infrastructure and Social Sector 15.31 CBLO/Repo Investments 0 Mutual Funds 0 0 Others 0.01
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 47.38 Non participating 39.53 Participating Life 12.21 Linked Pension 0.71 Linked Group Pension 0 Linked Group Life 0 Annuity 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 0.17	Premium Break-Up - Life Insurance Term 0 Group Savings 14.0 Non-Participating 19.0 Unit linked(UL) 8.0 Linked Group Pension 0 Non Participating 0 Participating Life 0 Unit Linked 0 Annuity 20.0 Linked Life 0 Participating 10.0 Linked Pension 0 Protection 29.0 Non participating 0 Annuity Non participating 0 Linked Group Life 0	Premium Break-Up - Life Insurance Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0 Linked Group Pension 0 Non participating 34.02 Participating Life 0 Unit Linked 56.68 Annuity 0 Linked Life 0 Participating 9.3 Linked Pension 0 Protection 0 Non participating 0 Annuity Non participating 0 Linked Group Life 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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