ICICI Prudential Life Insurance Company Ltd.

Financial

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Operational Metrics
Life Insurance Sector
Value Of New Business Margin (VNB)	24.6 %	26.3 %	28.1 %
Management Expense Ratio - Life Insurance	18.3 %	19.45 %	9.74 %
AUM - Life Insurance	294140.0 Crs	292220.0 Crs	388920.0 Crs
Embedded Value	42337.0 Crs	47468.0 Crs	51260.0 Crs
61 Month Persistency Ratio	63.5 %	51.1 %	58.1 %
13 Month Persistency Ratio	85.2 %	83.4 %	85.3 %
Commission Ratio - Life Insurance	9.7 %	8.02 %	4.8 %
New Business Performance - Life Insurance	1317.75 Crs	2270.88 Crs	2354.33 Crs
Claim Settlement Ratio	99.17 %	99.7 %	98.39 %
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	95.22	79.22	78.86
5yr CAGR Net Profit	-4.43 %	3.94 %	5.34 %
Shareholdings
Promoter Holding	73.24 %	50.37 %	55.42 %
Share Pledged by Promoters	0.0	0.0	0.0
Change in Promoter Holding (3 Yrs)	-0.24 %	-8.49 %	-0.28 %
Change in Mutual Fund Holding (3 Yrs)	3.01 %	1.49 %	6.44 %

Business

	ICICI Prudential	HDFC Life Insurance	SBI Life Insuran
Product Wise Break-Up	Product Wise Break-Up Annuity 17.0 Variable Insurance 0 Pension 0 Life 0 Others 83.0	-	Product Wise Break-Up Variable Insurance 0.23 Annuity 7.04 Life 74.65 Pension 18.06 Others 0.02
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 Agency 32.07 Bancassurance 29.87 Partnership Channel 13.49 Direct 13.09 Group 11.49 Group Savings 0 Group Protection 0 Bancassurance & Broker 0 Agency & Direct 0	Distribution Channel Bancassurance 0 Bancassurance 56.0 Agency 0 Group Premium 11.0 Direct 0 Agency 20.0 Group 0 Partnership Channel 0 Group Savings 13.0	Distribution Channel Bancassurance 52.0 Bancassurance & Broker 0 Agency 18.0 Group Protection 0 Direct 0 Agency & Direct 0 Group 0 Partnership Channel 0 Group Savings 0 Others 30.0
Investment Break-Up	Investment Break-Up Government securities 57.3 Other Approved investments 21.72 Investments in Infrastructure and Social Sector 19.16 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 1.82	Investment Break-Up CBLO/Repo Investments 2.51 Other than Approved Investments 1.65 Equity 7.92 Debenture 6.31 0 0 Other Approved investments 0 Other Approved Securities 0 Infrastructure Investment Fund 0 Deep Discount Bonds 0.36 Fixed Deposits 0.32 Government securities 53.06 Government securities 0 Investments in Infrastructure and Social Sector 12.77 Investment Property 0.49 Mutual Fund 0.15 Others 14.46	Investment Break-Up CBLO/Repo Investments 0 Other than Approved Investments 0 Equity 0 Debentures / Bonds 0 Investments in Infrastructure and Social Sector 15.99 Government securities 51.47 Other Approved investments 0 Other Approved Securities 32.54 Infrastructure Investment Fund 0 Deep Discount Bonds 0 Fixed Deposit 0 0 Government securities 0 0 Investment Properties - Real Estate 0 Mutual Funds 0
Premium Break-Up - Life Insurance	Premium Break-Up - Life Insurance Linked Life 46.03 Non participating 40.35 Participating Life 12.64 Linked Pension 0.85 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 0.13	Premium Break-Up - Life Insurance Annuity Non participating 0 Linked Life 0 Non-Participating 19.0 Annuity 20.0 Linked Pension 0 Unit linked(UL) 8.0 Unit Linked 0 Non participating 0 Participating Life 0 Protection 29.0 Non Participating 0 Linked Group Pension 0 Linked Group Life 0 Group Savings 14.0 Term 0 Participating 10.0	Premium Break-Up - Life Insurance Annuity Non participating 0 Linked Life 0 Non-Participating 0 Annuity 0 Linked Pension 0 Unit linked(UL) 0 Unit Linked 59.15 Non participating 0 Participating Life 0 Protection 0 Non participating 32.57 Linked Group Pension 0 Linked Group Life 0 Group Savings 0 Term 0 Participating 8.28

ICICI Prudential Life Insurance Company Ltd.

ICICI Prudential Life Insurance Company Ltd.

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