SBI Life Insurance Company Ltd.

Financial

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Operational Metrics
Life Insurance Sector
Embedded Value	61840.0 Crs	55423.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	26.9 %	25.6 %	17.1 %
Management Expense Ratio - Life Insurance	10.57 %	20.2 %	13.47 %
61 Month Persistency Ratio	63.3 %	57.8 %	59.69 %
13 Month Persistency Ratio	86.1 %	81.9 %	68.61 %
Commission Ratio - Life Insurance	4.9 %	11.2 %	5.57 %
AUM - Life Insurance	441680.0 Crs	336282.0 Crs	5477651.0 Crs
New Business Performance - Life Insurance	2174.53 Crs	3213.76 Crs	15513.95 Crs
Claim Settlement Ratio	99.17 %	99.8 %	98.66 %
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	67.72	84.65	12.01
5yr CAGR Net Profit	5.89 %	3.94 %	72.1 %
Shareholdings
Promoter Holding	55.38 %	50.32 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.1 %	-1.21 %	0.0
Change in Mutual Fund Holding (3 Yrs)	3.13 %	5.67 %	0.39 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 78.96 Pension 14.94 Annuity 6.03 Variable Insurance 0.05 Health Business 0 Variable Business 0 Annuity Business 0 Pension Business 0 Life Insurance 0 Others 0.02	-	Product Wise Break-Up Pension 0 Pension Business 23.18 Annuity 0 Annuity Business 3.13 Life 0 Health Business 0 Variable Insurance 0 Variable Business 0 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 56.0 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 23.0	Distribution Channel Individual Agents 0 Corporate Agents - Banks 0 Group Premium 11.0 Agency 20.0 Group Savings 13.0 Web Aggregators 0 Bancassurance 0 Bancassurance 56.0 Direct Business 0 Agency 0 Corporate Agents - Others 0	Distribution Channel Individual Agents 93.8 Corporate Agents - Banks 3.12 Group Protection 0 Agency & Direct 0 Group Savings 0 Web Aggregators 0.76 Bancassurance 0 Bancassurance & Broker 0 Direct Business 2.2 Agency 0 Corporate Agents - Others 0.12
Investment Break-Up	Investment Break-Up Government securities 49.5 Other Approved Securities 35.18 Investments in Infrastructure and Social Sector 15.31 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 Others 0.01	Investment Break-Up Government securities 53.06 Investments In Infrastructure 0 Equity 7.92 Deep Discount Bonds 0.36 Investments in Infrastructure and Social Sector 12.77 Government securities 0 Other than Approved Investments 1.65 Fixed Deposits 0.32 Mutual Fund 0.15 Other than Approved Securities 0 Government Securities & Treasury Bills 0 Other Approved Securities 0 Infrastructure Investment Fund 0 Investment Property 0.49 Other Investments 0 Debenture 6.31 CBLO/Repo Investments 2.51 Others 14.46	Investment Break-Up 0 Investments In Infrastructure 8.25 Equity 0 Deep Discount Bonds 0 0 Government securities 0 Other than Approved Investments 0 Fixed Deposit 0 Mutual Funds 0 Other than Approved Securities 0.89 Government Securities & Treasury Bills 61.1 Other Approved Securities 0.16 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Other Investments 29.61 Debentures / Bonds 0 CBLO/Repo Investments 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 56.68 Non participating 34.02 Participating 9.3 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Protection 29.0 Non-Participating 19.0 Unit Linked 0 Term 0 Unit linked(UL) 8.0 Annuity 20.0 Group Savings 14.0 Non participating 0 Participating 10.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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