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	52110.0 Crs	821716.0 Crs
Value Of New Business Margin (VNB)	26.9 %	24.6 %	17.1 %
Management Expense Ratio - Life Insurance	10.57 %	20.87 %	13.47 %
61 Month Persistency Ratio	63.3 %	60.0 %	59.69 %
13 Month Persistency Ratio	86.1 %	88.0 %	68.61 %
Commission Ratio - Life Insurance	4.9 %	10.94 %	5.57 %
AUM - Life Insurance	441680.0 Crs	324940.0 Crs	5477651.0 Crs
New Business Performance - Life Insurance	2174.53 Crs	3213.76 Crs	15513.95 Crs
Claim Settlement Ratio	99.17 %	99.7 %	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	64.36	84.48	11.75
5yr CAGR Net Profit	5.89 %	3.94 %	72.1 %
Shareholdings
Promoter Holding	55.38 %	50.32 %	96.51 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.31 %	-3.45 %	0.01 %
Change in Mutual Fund Holding (3 Yrs)	3.39 %	6.75 %	0.38 %

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 Variable Insurance 0 Pension Business 23.18 Life Insurance 73.69 Pension 0 Annuity Business 3.13 Variable Business 0 Annuity 0 Health Business 0 Life 0
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 Agency 20.0 Bancassurance 0 Group Savings 13.0 Individual Agents 0 Corporate Agents - Others 0 Web Aggregators 0 Corporate Agents - Banks 0 Direct Business 0 Group Premium 11.0 Bancassurance 56.0 Agency 0	Distribution Channel Agency & Direct 0 Bancassurance 0 Group Savings 0 Individual Agents 93.8 Corporate Agents - Others 0.12 Web Aggregators 0.76 Corporate Agents - Banks 3.12 Direct Business 2.2 Group Protection 0 Bancassurance & Broker 0 Agency 0
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 Investment Property 0.49 Fixed Deposits 0.32 Other than Approved Securities 0 Government Securities & Treasury Bills 0 Other than Approved Investments 1.65 Debenture 6.31 Government securities 53.06 Investments In Infrastructure 0 Other Investments 0 Deep Discount Bonds 0.36 CBLO/Repo Investments 2.51 Mutual Fund 0.15 Infrastructure Investment Fund 0 Equity 7.92 Other Approved Securities 0 Government securities 0 Investments in Infrastructure and Social Sector 12.77 Others 14.46	Investment Break-Up Investment Properties - Real Estate 0 Fixed Deposit 0 Other than Approved Securities 0.89 Government Securities & Treasury Bills 61.1 Other than Approved Investments 0 Debentures / Bonds 0 0 Investments In Infrastructure 8.25 Other Investments 29.61 Deep Discount Bonds 0 CBLO/Repo Investments 0 Mutual Funds 0 Infrastructure Investment Fund 0 Equity 0 Other Approved Securities 0.16 Government securities 0 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 Group Savings 14.0 Participating 10.0 Non participating 0 Unit linked(UL) 8.0 Protection 29.0 Term 0 Non-Participating 19.0 Unit Linked 0 Annuity 20.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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