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	1555.24 Crs	2713.49 Crs	5307.98 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	106.54	79.16	64.04
5yr CAGR Net Profit	-4.43 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	73.05 %	50.34 %	55.38 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.37 %	-3.47 %	-0.31 %
Change in Mutual Fund Holding (3 Yrs)	4.0 %	5.98 %	3.39 %

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

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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