ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Embedded Value	47951.0 Crs	58355.0 Crs	70250.0 Crs
Value Of New Business Margin (VNB)	24.5 %	25.1 %	27.8 %
Management Expense Ratio - Life Insurance	14.7 %	20.2 %	9.67 %
61 Month Persistency Ratio	61.6 %	64.0 %	63.3 %
13 Month Persistency Ratio	86.0 %	86.0 %	86.1 %
Commission Ratio - Life Insurance	9.4 %	11.2 %	4.9 %
AUM - Life Insurance	324489.0 Crs	355897.0 Crs	448040.0 Crs
New Business Performance - Life Insurance	1572.94 Crs	2523.36 Crs	2620.37 Crs
Claim Settlement Ratio	99.6 %	99.8 %	99.4 %
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	70.65	86.62	74.1
5yr CAGR Net Profit	4.39 %	5.88 %	5.89 %
Shareholdings
Promoter Holding	72.96 %	50.28 %	55.37 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.44 %	-1.24 %	-0.11 %
Change in Mutual Fund Holding (3 Yrs)	2.23 %	6.96 %	2.65 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 5.4 Variable Insurance 0 Pension 0 Life 0 Others 94.6	-	Product Wise Break-Up Pension 15.47 Annuity 5.55 Life 78.92 Variable Insurance 0.04 Others 0.02
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 Agency 29.4 Bancassurance 28.8 Direct 15.2 Group 15.1 Partnership Channel 11.5 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Group Savings 13.0 Bancassurance 0 Bancassurance 56.0 Agency 0 Direct 0 Group Premium 11.0 Partnership Channel 0 Agency 20.0 Group 0	Distribution Channel Group Savings 0 Bancassurance 54.0 Bancassurance & Broker 0 Agency 21.0 Direct 0 Group Protection 0 Partnership Channel 0 Agency & Direct 0 Group 0 Others 25.0
Investment Break-Up	Investment Break-Up Government securities 52.83 Other Approved investments 21.62 Investments in Infrastructure and Social Sector 18.47 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 Approved Securities 0 0 0 Others 7.08	Investment Break-Up Mutual Fund 0.15 Government securities 0 0 Investments in Infrastructure and Social Sector 12.77 Other Approved Securities 0 Fixed Deposits 0.32 Government securities 53.06 0 Other than Approved Investments 1.65 Infrastructure Investment Fund 0 Deep Discount Bonds 0.36 Equity 7.92 Debenture 6.31 CBLO/Repo Investments 2.51 Investment Property 0.49 Other Approved investments 0 Others 14.46	Investment Break-Up Mutual Funds 0 Government securities 0 Investments in Infrastructure and Social Sector 15.1 0 Other Approved Securities 34.83 Fixed Deposit 0 0 Government securities 49.65 Other than Approved Investments 0 Infrastructure Investment Fund 0 Deep Discount Bonds 0 Equity 0 Debentures / Bonds 0 CBLO/Repo Investments 0 Investment Properties - Real Estate 0 Other Approved investments 0 Others 0.42
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 44.69 Non participating 41.76 Participating Life 11.47 Linked Pension 0.92 Linked Group Pension 0 Linked Group Life 0 Annuity Non participating 0 Annuity 0 Protection 0 Term 0 Group Savings 0 Non-Participating 0 Participating 0 Unit linked(UL) 0 Unit Linked 0 Non Participating 0 Others 1.16	Premium Break-Up - Life Insurance Linked Pension 0 Group Savings 14.0 Participating 10.0 Protection 29.0 Participating Life 0 Annuity Non participating 0 Non participating 0 Linked Life 0 Non-Participating 19.0 Linked Group Pension 0 Annuity 20.0 Unit linked(UL) 8.0 Non Participating 0 Linked Group Life 0 Term 0 Unit Linked 0	Premium Break-Up - Life Insurance Linked Pension 0 Group Savings 0 Participating 8.29 Protection 0 Participating Life 0 Annuity Non participating 0 Non participating 0 Linked Life 0 Non-Participating 0 Linked Group Pension 0 Annuity 0 Unit linked(UL) 0 Non participating 33.48 Linked Group Life 0 Term 0 Unit Linked 58.23

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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