SBI Life Insurance Company Ltd.

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	51260.0 Crs	52110.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	26.8 %	24.6 %	16.2 %
Management Expense Ratio - Life Insurance	10.57 %	20.87 %	13.57 %
61 Month Persistency Ratio	66.14 %	60.0 %	54.76 %
13 Month Persistency Ratio	84.16 %	88.0 %	68.17 %
Commission Ratio - Life Insurance	4.97 %	10.94 %	5.45 %
AUM - Life Insurance	438950.0 Crs	324940.0 Crs	5539516.0 Crs
New Business Performance - Life Insurance	2575.18 Crs	2441.74 Crs	11751.11 Crs
Claim Settlement Ratio	99.17 %	99.7 %	97.33 %
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	64.21	79.4	13.81
5yr CAGR Net Profit	5.89 %	3.94 %	72.1 %
Shareholdings
Promoter Holding	55.39 %	50.34 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.3 %	-3.47 %	0.0
Change in Mutual Fund Holding (3 Yrs)	1.26 %	5.98 %	0.28 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 80.52 Pension 12.93 Annuity 6.25 Variable Insurance 0.27 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.03	-	Product Wise Break-Up Variable Insurance 0 Annuity 0 Variable Business 0 Life 0 Health Business 0 Pension 0 Annuity Business 3.13 Pension Business 23.18 Life Insurance 73.69
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 Bancassurance 51.0 Agency 21.0 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0 Web Aggregators 0 Direct Business 0 Corporate Agents - Others 0 Corporate Agents - Banks 0 Individual Agents 0 Others 28.0	Distribution Channel Direct Business 0 Bancassurance 0 Individual Agents 0 Bancassurance 56.0 Corporate Agents - Banks 0 Web Aggregators 0 Agency 0 Agency 20.0 Corporate Agents - Others 0 Group Savings 13.0 Group Premium 11.0	Distribution Channel Direct Business 2.2 Bancassurance 0 Individual Agents 93.8 Bancassurance & Broker 0 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Agency 0 Agency & Direct 0 Corporate Agents - Others 0.12 Group Savings 0 Group Protection 0
Investment Break-Up	Investment Break-Up Government securities 52.08 Other Approved Securities 46.12 Investments in Infrastructure and Social Sector 1.8 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 than Approved Securities 0 Investments In Infrastructure 0 Other Investments 0 Government Securities & Treasury Bills 0	Investment Break-Up Investments in Infrastructure and Social Sector 12.77 Government securities 0 Other than Approved Investments 1.65 Government securities 53.06 Other Approved Securities 0 Government Securities & Treasury Bills 0 Investments In Infrastructure 0 Investment Property 0.49 Other Investments 0 Infrastructure Investment Fund 0 CBLO/Repo Investments 2.51 Fixed Deposits 0.32 Other than Approved Securities 0 Debenture 6.31 Mutual Fund 0.15 Equity 7.92 Deep Discount Bonds 0.36 Others 14.46	Investment Break-Up 0 Government securities 0 Other than Approved Investments 0 0 Other Approved Securities 0.22 Government Securities & Treasury Bills 59.39 Investments In Infrastructure 8.06 Investment Properties - Real Estate 0 Other Investments 30.53 Infrastructure Investment Fund 0 CBLO/Repo Investments 0 Fixed Deposit 0 Other than Approved Securities 1.12 Debentures / Bonds 0 Mutual Funds 0 Equity 0 Deep Discount Bonds 0 Others 0.68
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 47.18 Non participating 44.45 Participating 8.37 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Term 0 Unit linked(UL) 8.0 Annuity 20.0 Group Savings 14.0 Unit Linked 0 Non participating 0 Non-Participating 19.0 Protection 29.0 Participating 10.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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