Life Insurance Corporation of India

Financial

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	821716.0 Crs	52110.0 Crs	51260.0 Crs
Value Of New Business Margin (VNB)	16.2 %	24.6 %	26.8 %
Management Expense Ratio - Life Insurance	13.57 %	20.87 %	10.57 %
13 Month Persistency Ratio	68.17 %	88.0 %	84.16 %
61 Month Persistency Ratio	54.76 %	60.0 %	66.14 %
Commission Ratio - Life Insurance	5.45 %	10.94 %	4.97 %
AUM - Life Insurance	5539516.0 Crs	324940.0 Crs	438950.0 Crs
New Business Performance - Life Insurance	11751.11 Crs	2441.74 Crs	2575.18 Crs
Claim Settlement Ratio	97.33 %	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	13.81	79.4	64.21
5yr CAGR Net Profit	72.1 %	3.94 %	5.89 %
Shareholdings
Promoter Holding	96.5 %	50.34 %	55.39 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	0.0	-3.47 %	-0.3 %
Change in Mutual Fund Holding (3 Yrs)	0.28 %	5.98 %	1.26 %

Business

	Life Insurance Corp	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Life Insurance 73.69 Pension Business 23.18 Annuity Business 3.13 Health Business 0 Variable Business 0 Annuity 0 Variable Insurance 0 Pension 0 Life 0	-	Product Wise Break-Up Variable Business 0 Variable Insurance 0.27 Annuity 6.25 Life 80.52 Health Business 0 Pension Business 0 Pension 12.93 Life Insurance 0 Annuity Business 0 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 Individual Agents 93.8 Corporate Agents - Banks 3.12 Direct Business 2.2 Web Aggregators 0.76 Corporate Agents - Others 0.12 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Agency 0 Bancassurance 0	Distribution Channel Corporate Agents - Others 0 Direct Business 0 Web Aggregators 0 Group Savings 13.0 Corporate Agents - Banks 0 Agency 20.0 Bancassurance 0 Group Premium 11.0 Agency 0 Bancassurance 56.0 Individual Agents 0	Distribution Channel Corporate Agents - Others 0 Direct Business 0 Web Aggregators 0 Group Savings 0 Corporate Agents - Banks 0 Agency & Direct 0 Bancassurance 51.0 Group Protection 0 Agency 21.0 Bancassurance & Broker 0 Individual Agents 0 Others 28.0
Investment Break-Up	Investment Break-Up Government Securities & Treasury Bills 59.39 Other Investments 30.53 Investments In Infrastructure 8.06 Other than Approved Securities 1.12 Other Approved Securities 0.22 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 0 0 Others 0.68	Investment Break-Up Mutual Fund 0.15 Government securities 53.06 Fixed Deposits 0.32 0 CBLO/Repo Investments 2.51 Debenture 6.31 Equity 7.92 Other than Approved Investments 1.65 Investments in Infrastructure and Social Sector 12.77 0 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Investment Property 0.49 Investments In Infrastructure 0 Deep Discount Bonds 0.36 Other than Approved Securities 0 Other Investments 0 Other Approved Securities 0 Others 14.46	Investment Break-Up Mutual Funds 0 0 Fixed Deposit 0 Government securities 52.08 CBLO/Repo Investments 0 Debentures / Bonds 0 Equity 0 Other than Approved Investments 0 0 Investments in Infrastructure and Social Sector 1.8 Government Securities & Treasury Bills 0 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Investments In Infrastructure 0 Deep Discount Bonds 0 Other than Approved Securities 0 Other Investments 0 Other Approved Securities 46.12
Premium Break-Up	Premium Break-Up North India 27.68 South India 26.58 West India 25.85 East India 19.89	-	-

Life Insurance Corporation of India

Life Insurance Corporation of India

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