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	47468.0 Crs	727344.0 Crs
Value Of New Business Margin (VNB)	28.1 %	26.3 %	16.8 %
Management Expense Ratio - Life Insurance	9.74 %	19.45 %	16.2 %
61 Month Persistency Ratio	58.1 %	51.1 %	54.48 %
13 Month Persistency Ratio	85.3 %	83.4 %	71.86 %
Commission Ratio - Life Insurance	4.8 %	8.02 %	5.41 %
AUM - Life Insurance	388920.0 Crs	292220.0 Crs	5121887.0 Crs
New Business Performance - Life Insurance	2354.33 Crs	2270.88 Crs	16690.39 Crs
Claim Settlement Ratio	98.39 %	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	79.03	79.22	15.23
5yr CAGR Net Profit	5.34 %	3.94 %	68.79 %
Shareholdings
Promoter Holding	55.42 %	50.37 %	96.5 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.28 %	-8.49 %	0.0
Change in Mutual Fund Holding (3 Yrs)	6.44 %	1.49 %	-0.06 %

Business

	SBI Life Insuran	HDFC Life Insurance	Life Insurance Corp
Product Wise Break-Up	Product Wise Break-Up Life 74.65 Pension 18.06 Annuity 7.04 Variable Insurance 0.23 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 Annuity 0 Life Insurance 68.58 Annuity Business 3.07 Life 0 Pension Business 27.26 Health Business 0.06 Pension 0 Variable Business 0 Others 1.03
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 52.0 Agency 18.0 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 30.0	Distribution Channel Corporate Agents - Others 0 Agency 20.0 Direct Business 0 Group Savings 13.0 Bancassurance 56.0 Individual Agents 0 Agency 0 Corporate Agents - Banks 0 Web Aggregators 0 Group Premium 11.0 Bancassurance 0	Distribution Channel Corporate Agents - Others 0.12 Agency & Direct 0 Direct Business 2.2 Group Savings 0 Bancassurance & Broker 0 Individual Agents 93.8 Agency 0 Corporate Agents - Banks 3.12 Web Aggregators 0.76 Group Protection 0 Bancassurance 0
Investment Break-Up	Investment Break-Up Government securities 51.47 Other Approved Securities 32.54 Investments in Infrastructure and Social Sector 15.99 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 Government Securities & Treasury Bills 0 Other Approved Securities 0 Infrastructure Investment Fund 0 Mutual Fund 0.15 Equity 7.92 Government securities 53.06 Debenture 6.31 Deep Discount Bonds 0.36 Investments in Infrastructure and Social Sector 12.77 Fixed Deposits 0.32 Other than Approved Securities 0 Investments In Infrastructure 0 Other than Approved Investments 1.65 Investment Property 0.49 Other Investments 0 Government securities 0 CBLO/Repo Investments 2.51 Others 14.46	Investment Break-Up Government Securities & Treasury Bills 62.76 Other Approved Securities 0.26 Infrastructure Investment Fund 0 Mutual Funds 0 Equity 0 0 Debentures / Bonds 0 Deep Discount Bonds 0 0 Fixed Deposit 0 Other than Approved Securities 1.58 Investments In Infrastructure 7.52 Other than Approved Investments 0 Investment Properties - Real Estate 0 Other Investments 0.04 Government securities 0 CBLO/Repo Investments 0 Others 27.84
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Unit Linked 59.15 Non participating 32.57 Participating 8.28 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Unit linked(UL) 0	Premium Break-Up - Life Insurance Unit Linked 0 Group Savings 14.0 Annuity 20.0 Non participating 0 Participating 10.0 Non-Participating 19.0 Term 0 Unit linked(UL) 8.0 Protection 29.0	-

SBI Life Insurance Company Ltd.

SBI Life Insurance Company Ltd.

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