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	727344.0 Crs
Value Of New Business Margin (VNB)	26.8 %	24.6 %	16.8 %
Management Expense Ratio - Life Insurance	10.57 %	20.87 %	16.2 %
61 Month Persistency Ratio	66.14 %	60.0 %	54.48 %
13 Month Persistency Ratio	84.16 %	88.0 %	71.86 %
Commission Ratio - Life Insurance	4.97 %	10.94 %	5.41 %
AUM - Life Insurance	438950.0 Crs	324940.0 Crs	5121887.0 Crs
New Business Performance - Life Insurance	2648.38 Crs	2799.15 Crs	17131.09 Crs
Claim Settlement Ratio	99.17 %	99.7 %	98.15 %
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	71.76	88.24	13.84
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 Pension 0 Variable Business 0 Health Business 0 Pension Business 23.18 Variable Insurance 0 Annuity 0 Life 0 Annuity Business 3.13 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 Corporate Agents - Others 0 Individual Agents 0 Bancassurance 0 Direct Business 0 Group Savings 13.0 Web Aggregators 0 Corporate Agents - Banks 0 Agency 0 Bancassurance 56.0 Agency 20.0 Group Premium 11.0	Distribution Channel Corporate Agents - Others 0.12 Individual Agents 93.8 Bancassurance 0 Direct Business 2.2 Group Savings 0 Web Aggregators 0.76 Corporate Agents - Banks 3.12 Agency 0 Bancassurance & Broker 0 Agency & Direct 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 Other Investments 0 Government Securities & Treasury Bills 0 Other Approved Securities 0 Government securities 0 Investments in Infrastructure and Social Sector 12.77 Infrastructure Investment Fund 0 Investment Property 0.49 Other than Approved Securities 0 Government securities 53.06 Debenture 6.31 Equity 7.92 Deep Discount Bonds 0.36 CBLO/Repo Investments 2.51 Other than Approved Investments 1.65 Investments In Infrastructure 0 Mutual Fund 0.15 Fixed Deposits 0.32 Others 14.46	Investment Break-Up Other Investments 30.53 Government Securities & Treasury Bills 59.39 Other Approved Securities 0.22 Government securities 0 0 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Other than Approved Securities 1.12 0 Debentures / Bonds 0 Equity 0 Deep Discount Bonds 0 CBLO/Repo Investments 0 Other than Approved Investments 0 Investments In Infrastructure 8.06 Mutual Funds 0 Fixed Deposit 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 Participating 10.0 Unit linked(UL) 8.0 Group Savings 14.0 Non-Participating 19.0 Unit Linked 0 Protection 29.0 Non participating 0 Annuity 20.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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