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	5307.98 Crs	2713.49 Crs	13523.87 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	64.04	79.16	13.02
5yr CAGR Net Profit	5.89 %	3.94 %	72.1 %
Shareholdings
Promoter Holding	55.38 %	50.34 %	96.51 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.31 %	-3.47 %	0.01 %
Change in Mutual Fund Holding (3 Yrs)	3.39 %	5.98 %	0.38 %

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 Life 0 Life Insurance 73.69 Health Business 0 Variable Insurance 0 Annuity Business 3.13 Pension Business 23.18 Annuity 0 Variable Business 0 Pension 0
Location Wise Break-Up	Location Wise Break-Up India 100.0 Domestic 0	Location Wise Break-Up India 0 Domestic 100.0	Location Wise Break-Up India 100.0 Domestic 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 Individual Agents 0 Bancassurance 0 Corporate Agents - Banks 0 Agency 20.0 Web Aggregators 0 Group Premium 11.0 Group Savings 13.0 Corporate Agents - Others 0 Agency 0 Bancassurance 56.0	Distribution Channel Direct Business 2.2 Individual Agents 93.8 Bancassurance 0 Corporate Agents - Banks 3.12 Agency & Direct 0 Web Aggregators 0.76 Group Protection 0 Group Savings 0 Corporate Agents - Others 0.12 Agency 0 Bancassurance & Broker 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 Deep Discount Bonds 0.36 Other than Approved Securities 0 Infrastructure Investment Fund 0 Investment Property 0.49 Government Securities & Treasury Bills 0 Debenture 6.31 CBLO/Repo Investments 2.51 Other Investments 0 Other Approved Securities 0 Equity 7.92 Government securities 53.06 Investments In Infrastructure 0 Fixed Deposits 0.32 Investments in Infrastructure and Social Sector 12.77 Government securities 0 Mutual Fund 0.15 Other than Approved Investments 1.65 Others 14.46	Investment Break-Up Deep Discount Bonds 0 Other than Approved Securities 1.12 Infrastructure Investment Fund 0 Investment Properties - Real Estate 0 Government Securities & Treasury Bills 59.39 Debentures / Bonds 0 CBLO/Repo Investments 0 Other Investments 30.53 Other Approved Securities 0.22 Equity 0 0 Investments In Infrastructure 8.06 Fixed Deposit 0 0 Government securities 0 Mutual Funds 0 Other than Approved Investments 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 Unit Linked 0 Protection 29.0 Unit linked(UL) 8.0 Annuity 20.0 Group Savings 14.0 Term 0 Non participating 0 Participating 10.0 Non-Participating 19.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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