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	3221.56 Crs	2441.74 Crs	2575.18 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	109.44	79.4	64.21
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 8.7 Variable Insurance 0 Pension 0 Life 0 Others 91.3	-	Product Wise Break-Up Pension 12.93 Life 80.52 Variable Insurance 0.27 Annuity 6.25 Others 0.03
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 Agency 31.17 Bancassurance 29.47 Direct 15.78 Group 13.69 Partnership Channel 9.89 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Partnership Channel 0 Group 0 Agency 20.0 Bancassurance 56.0 Group Savings 13.0 Agency 0 Bancassurance 0 Direct 0 Group Premium 11.0	Distribution Channel Partnership Channel 0 Group 0 Agency & Direct 0 Bancassurance & Broker 0 Group Savings 0 Agency 21.0 Bancassurance 51.0 Direct 0 Group Protection 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 CBLO/Repo Investments 2.51 Government securities 53.06 Other Approved investments 0 Government securities 0 Mutual Fund 0.15 0 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Other Approved Securities 0 Infrastructure Investment Fund 0 Investment Property 0.49 Equity 7.92 Other than Approved Investments 1.65 0 Debenture 6.31 Investments in Infrastructure and Social Sector 12.77 Others 14.46	Investment Break-Up CBLO/Repo Investments 0 0 Other Approved investments 0 Government securities 0 Mutual Funds 0 Government securities 52.08 Deep Discount Bonds 0 Fixed Deposit 0 Other Approved Securities 46.12 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Equity 0 Other than Approved Investments 0 Investments in Infrastructure and Social Sector 1.8 Debentures / Bonds 0 0
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 Participating Life 0 Protection 29.0 Participating 10.0 Linked Pension 0 Linked Group Pension 0 Group Savings 14.0 Linked Life 0 Unit linked(UL) 8.0 Linked Group Life 0 Non participating 0 Unit Linked 0 Non-Participating 19.0 Term 0 Annuity Non participating 0 Non Participating 0 Annuity 20.0	Premium Break-Up - Life Insurance Participating Life 0 Protection 0 Participating 8.37 Linked Pension 0 Linked Group Pension 0 Group Savings 0 Linked Life 0 Unit linked(UL) 0 Linked Group Life 0 Non participating 0 Unit Linked 47.18 Non-Participating 0 Term 0 Annuity Non participating 0 Non participating 44.45 Annuity 0

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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