UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d) OF THE
SECURITIES EXCHANGE ACT OF 1934
October 30, 2012
Date of Report
(Date of earliest event reported)

GENWORTH FINANCIAL, INC.
(Exact name of registrant as specified in its charter)

 
					
Delaware	 	001-32195	 	33-1073076	
(State or other jurisdiction
of incorporation)	 	(Commission
File Number)	 	(I.R.S. Employer
Identification No.)	
		
6620 West Broad Street, Richmond, VA	 	23230	
(Address of principal executive offices)	 	(Zip Code)	
(804) 281-6000
(Registrant’s telephone number, including area code)
N/A
(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):
 
¨	Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)	
 
¨	Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)	
 
¨	Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))	
 
¨	Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))	

 

Item 2.02	Results of Operations and Financial Condition.	
On October 30, 2012, Genworth Financial, Inc. issued (1) a press release announcing its financial results for the quarter ended September 30, 2012, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, and (2) a financial supplement for the quarter ended September 30, 2012, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference.
The information contained in this Current Report on Form 8-K (including the exhibits) is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information contained in this Current Report on Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in any such filing.
 
Item 9.01	Financial Statements and Exhibits.	
The following materials are furnished as exhibits to this Current Report on Form 8-K:

Exhibit
Number	  	Description of Exhibit	
		
99.1	  	Press Release dated October 30, 2012.	
		
99.2	  	Financial Supplement for the quarter ended September 30, 2012.	
 
2

SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	 		 	GENWORTH FINANCIAL, INC.	
				
Date: October 30, 2012	 		 	By:	 	/s/ Kelly L. Groh	
	 		 		 	Kelly L. Groh	
	 		 		 	Vice President and Controller	
	 		 		 	(Principal Accounting Officer)	
 
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Exhibit Index

Exhibit
Number	  	Description of Exhibit	
		
99.1	  	Press Release dated October 30, 2012.	
		
99.2	  	Financial Supplement for the quarter ended September 30, 2012.	
 
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Exhibit 99.1

Genworth Financial Announces Third Quarter 2012 Results
Net Operating Income Increases To $121 Million
U.S. Mortgage Insurance Incurred Losses Flat Sequentially
$136 Million Dividends Paid From Operating Companies To Holding Company
U.S. Life Companies Seek To Complete Second Life Block Transaction In Fourth Quarter 2012
Richmond, VA (October 30, 2012) – Genworth Financial, Inc. (NYSE: GNW) today reported results for the third quarter of 2012. The company reported net income 1 of $34 million, or $0.07 per diluted share, compared with a net loss of $16 million, or $0.03 per diluted share, in the third quarter of 2011. Net operating income 2 for the third quarter of 2012 was $121 million, or $0.25 per diluted share, compared with net operating income of $62 million, or $0.13 per diluted share, in the third quarter of 2011.
“Steady improvement in our operating results in the Global Mortgage Insurance Division and stable underlying performance in the Insurance and Wealth Management Division increased total net operating income both year over year and sequentially again this quarter. Dividends continue to provide liquidity to the holding company,” said Martin P. Klein, acting chief executive officer and chief financial officer. “We are committed to improving business performance and generating capital as we rebuild shareholder value.”

1  	Unless otherwise stated, all references in this press release to net income (loss), net income (loss) per share, net operating income (loss), net operating income per share, book value, book value per share and stockholders’ equity should be read as net income (loss) available to Genworth’s common stockholders, net income (loss) available to Genworth’s common stockholders per share, net operating income available to Genworth’s common stockholders, net operating income (loss) available to Genworth’s common stockholders per share, book value available to Genworth’s common stockholders, book value available to Genworth’s common stockholders per share and stockholders’ equity available to Genworth’s common stockholders, respectively.	
2  	This is a financial measure not calculated based on U.S. Generally Accepted Accounting Principles (Non-GAAP). See the Use of Non-GAAP Measures section of this press release for additional information.	
 
1

																	
Consolidated Net Income (Loss) &
Net Operating Income	 	
		
 	  	Three months ended September 30	 	
 	  	(Unaudited)	 	
 	  	2012	 	  	2011	 	
(Amounts in millions, except per share)	  	Total	 	  	Per
diluted
share	 	  	Total	 	 	Per
diluted
share	 	
Net income (loss)	  	$	34	  	  	$	0.07	  	  	$	(16	) 	 	$	(0.03	) 	
Net operating income	  	$	121	  	  	$	0.25	  	  	$	62	  	 	$	0.13	  	
Weighted average diluted shares	  	 	493.9	  	  				  	 	490.8	  	 				
Book value per share	  	$	33.40	  	  				  	$	30.09	  	 				
Book value per share, excluding accumulated other comprehensive income (loss)	  	$	22.78	  	  				  	$	22.15	  	 				
Net investment losses, net of tax and other adjustments, were $1 million in the quarter compared to $78 million in the prior year.
During the third quarter of 2012, the company completed its annual goodwill impairment analysis. As a result of the impact of the continued challenging economic environment in Europe on the analysis, the company recorded an after-tax goodwill impairment of all of the goodwill related to the International Protection segment of $86 million. There were no other charges to income as a result of the annual goodwill impairment testing.
In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders to exclude goodwill impairments to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that it is not indicative of overall operating trends. All prior periods presented have been re-presented to reflect this new definition.
 
2

Net operating income (loss) results are summarized in the table below:

Net Operating Income (Loss)	 	
(Amounts in millions) 	  	Q3 12	 	 	Q2 12	 	 	Q3 11	 	
Insurance and Wealth Management Division:	  				 				 				
U.S. Life Insurance	  	$	86	  	 	$	64	  	 	$	102	  	
International Protection	  	 	8	  	 	 	3	  	 	 	22	  	
Wealth Management	  	 	10	  	 	 	12	  	 	 	12	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Insurance and Wealth Management Division	  	 	104	  	 	 	79	  	 	 	136	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division:	  				 				 				
International Mortgage Insurance	  	 	94	  	 	 	76	  	 	 	68	  	
U.S. Mortgage Insurance (U.S. MI)	  	 	(38	) 	 	 	(25	) 	 	 	(79	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	56	  	 	 	51	  	 	 	(11	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Runoff Division:	  				 				 				
Runoff	  	 	9	  	 	 	(6	) 	 	 	(7	) 	
Corporate and Other	  	 	(48	) 	 	 	(44	) 	 	 	(56	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Runoff Division	  	 	(39	) 	 	 	(50	) 	 	 	(63	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net operating income (loss) excludes net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses and other adjustments, net of taxes. A reconciliation of net operating income (loss) of segments and Corporate and Other activities to net income (loss) is included at the end of this press release.
Unless specifically noted in the discussion of results for the International Protection and International Mortgage Insurance segments, references to percentage changes exclude the impact of foreign exchange. Percentage changes, which include the impact of foreign exchange, are found in a table at the end of this press release. The impact of foreign exchange on net operating income in the third quarter of 2012 was an $8 million unfavorable impact versus the prior year and a $2 million unfavorable impact versus the prior quarter.
Insurance and Wealth Management Division
Insurance and Wealth Management Division net operating income was $104 million, compared with $79 million in the prior quarter and $136 million a year ago.

Insurance and Wealth Management Division	 	
Net Operating Income	 	
(Amounts in millions) 	  	Q3 12	 	  	Q2 12	 	  	Q3 11	 	
U.S. Life Insurance	  				  				  				
Life Insurance	  	$	22	  	  	$	30	  	  	$	64	  	
Long Term Care	  	 	45	  	  	 	14	  	  	 	17	  	
Fixed Annuities	  	 	19	  	  	 	20	  	  	 	21	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Total U.S. Life Insurance	  	 	86	  	  	 	64	  	  	 	102	  	
International Protection	  	 	8	  	  	 	3	  	  	 	22	  	
Wealth Management	  	 	10	  	  	 	12	  	  	 	12	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Total Insurance and Wealth Management	  	$	104	  	  	$	79	  	  	$	136	  	

3

													
Sales 3	  	 	 	 	 	 	 	 	 	
(Amounts in millions) 	  	Q3 12	 	 	Q2 12	 	 	Q3 11	 	
U.S. Life Insurance	  				 				 				
Life Insurance	  				 				 				
Term Life	  	$	1	  	 	$	—  	  	 	$	1	  	
Term Universal Life	  	 	19	  	 	 	32	  	 	 	33	  	
Universal Life	  	 	15	  	 	 	19	  	 	 	14	  	
Linked Benefits	  	 	3	  	 	 	3	  	 	 	2	  	
Long Term Care	  				 				 				
Individual	  	 	63	  	 	 	53	  	 	 	54	  	
Group	  	 	6	  	 	 	7	  	 	 	—  	  	
Fixed Annuities	  	 	487	  	 	 	336	  	 	 	495	  	
International Protection	  	 	366	  	 	 	417	  	 	 	438	  	
Wealth Management	  				 				 				
Gross Flows	  	 	1,099	  	 	 	1,228	  	 	 	1,565	  	
Net Flows	  	 	(254	) 	 	 	(245	) 	 	 	446	  	

Assets Under Management 4	  	 	 	  	 	 	  	 	 	
(Amounts in millions) 	  	Q3 12	 	  	Q2 12	 	  	Q3 11	 	
Fixed Annuities	  	$	18,677	  	  	$	18,437	  	  	$	18,366	  	
Wealth Management	  	 	22,633	  	  	 	22,320	  	  	 	24,613	  	
U.S. Life Insurance Segment
Highlights
 
 	•	 	U.S. Life Insurance segment net operating income increased sequentially to $86 million and was down from $102 million in the prior year.	
 
 	•	 	Effective October 22, 2012, the company announced changes to its life insurance portfolio designed to update and expand its product offerings and further adjust pricing to reflect the current low interest rate market environment and recent regulatory changes affecting reserve requirements. The company is launching a new traditional term life insurance product which will replace Colony Term Universal Life. In addition, the company is streamlining its guaranteed universal life insurance portfolio and repricing GenGuard UL.	
 
 	•	 	The consolidated risk-based capital (RBC) ratio is estimated to be approximately 420 percent 5 , up from 405 percent at the end of the second quarter of 2012 from favorable taxes and positive statutory income, partially offset by an extraordinary cash dividend of $50 million which was paid to the holding company, bringing the year-to-date dividends from the proceeds from the 2011 sale of the Medicare supplement business to $150 million.	
 
 	•	 	The company seeks to complete its second life block transaction in the fourth quarter of 2012. The transaction is expected to generate in excess of $100 million in initial after-tax capital benefits for the U.S. life insurance companies and will be recorded in the statutory results in the fourth quarter of 2012 and a GAAP net loss of $6 million was recorded in the current quarter.	

3  	In the first quarter of 2012, the company changed its presentation for life insurance sales to a premium equivalent basis. The prior period amounts have been re-presented to reflect sales for term universal and universal life insurance products as annualized first-year deposits plus five percent of excess deposits and 10 percent of premium deposits for linked-benefits products.	
4  	Assets under management represent account values, net of reinsurance, and managed third-party assets.	
5  	Company estimate for the third quarter of 2012, due to timing of the filing of statutory statements.	
 
4

Life insurance net operating income was $22 million, compared with $30 million in the prior quarter and $64 million in the prior year. Results in the quarter included a $9 million unfavorable impact from the unlocking of interest assumptions impacting reserves and deferred acquisition costs (DAC) and a $6 million unfavorable impact from the company’s anticipated second life block transaction. Unfavorable mortality versus the prior quarter was more than offset by new business performance and some improved in force margins. Mortality was also $14 million unfavorable versus the prior year primarily related to the term life insurance product. Prior year results included a $16 million after-tax gain from the selective repurchase of notes secured by non-recourse funding. Sales were down $16 million versus the prior quarter and $12 million versus the prior year reflecting the pricing and product actions taken this year. The company continues to utilize reinsurance in life insurance as part of its capital management.
Long term care net operating income was $45 million, compared with $14 million in the prior quarter and $17 million in the prior year. The current quarter included $29 million of favorable reserve adjustments primarily from the continuation of a multi-stage system conversion. As part of the adjustments, the company completed a comprehensive claims analysis and update of its claim reserving methodology which had a $2 million after-tax impact on total claim reserves. Excluding the current year reserve adjustments, the loss ratio in the quarter was flat to the prior quarter and increased three points from the prior year to 74 percent. Claim termination rates were favorable versus the prior quarter from higher mortality and recoveries, offset in part by a higher average reserve cost on new claims.
Individual long term care sales increased to $63 million during the quarter from accelerated sales in advance of pricing and portfolio actions announced in July 2012. Sales levels are expected to moderate in the fourth quarter of 2012. The company continues to utilize reinsurance in long term care insurance as part of its capital management.
The previously announced premium rate increase of 18 percent on the majority of older issued policies has been substantially implemented. As of September 30, 2012, the company had received approvals for these price increases in 45 states, representing approximately 80 percent of the targeted premiums.
 
5

In the third quarter of 2012, the company initiated a new round of long term care in force premium rate increases with the goal of achieving an average premium increase in excess of 50 percent on the older generation policies and an average premium increase in excess of 25 percent on an earlier series of new generation policies over the next five years. These premium rate increases are designed to mitigate losses on the older generation and, on the earlier series of the newer generation which has generated positive operating earnings to date, help offset lower than priced-for returns due to lower interest rates, unfavorable business mix and lower lapse rates than expected. Subject to regulatory approval, this premium rate increase would generate approximately $200 to $300 million of additional annual premiums and other benefits when fully implemented. As of October 26, 2012, this round of rate action has been recently filed in 18 states and the company has approvals from 2 states.
Fixed annuities net operating income was $19 million, compared with $20 million in the prior quarter and $21 million in the prior year. The results in the prior year included a $5 million unfavorable DAC unlocking primarily related to declining spreads as well as more favorable investment income and favorable mortality in the single premium immediate annuity product line. Sales in the quarter totaled $487 million and were up sequentially, but down from the prior year as the company continues to maintain margins to meet or exceed targeted returns in the low interest rate environment.
International Protection Segment
Highlights
 
 	•	 	Reported net operating income was $8 million, compared with $3 million in the prior quarter and $22 million in the prior year.	
 
 	•	 	The reported loss ratio decreased six points from the prior quarter and increased one point from the prior year to 18 percent and the underwriting margin 6 increased seven points from the prior quarter and decreased three points from the prior year to 20 percent.	
 
 	•	 	The regulatory capital ratio decreased 12 points to 359 percent 5 , well in excess of regulatory requirements, as the business paid a $56 million dividend to the holding company during the quarter.	
 
 	•	 	During the third quarter of 2012, the company completed its annual goodwill impairment analysis. As a result of the impact of the continued challenging economic environment in Europe on the analysis, the company recorded an after-tax goodwill impairment of all of the goodwill related to the International Protection segment of $86 million.	
International Protection earnings increased $5 million sequentially and decreased $14 million from the prior year. New claim registrations were down versus both the prior year and prior quarter, but the underwriting

6  	See “Definition of Selected Operating Performance Measures” for definition of underwriting margin.	
 
6

margin versus the prior year was impacted by the higher loss ratio and an unfavorable shift in the mix of contracts with profit sharing as well as slowing sales. In light of the continued slow consumer lending environment in Europe, additional actions are being taken to reduce expenses and improve margins. Sales decreased seven percent 7 versus the prior quarter and one percent 7 versus the prior year as Northern Europe performed stronger than Southern Europe. New claim registrations in Europe decreased 18 percent versus the prior quarter and six percent versus the prior year. At quarter end, the lifestyle protection business had a regulatory capital ratio of approximately 359 percent 5 .
Wealth Management Segment
Highlights
 
 	•	 	Net operating income was $10 million, compared with $12 million in both the prior quarter and the prior year.	
 
 	•	 	In July 2012, the company expanded its investment platform for independent financial advisors in response to the current market environment and investor needs by adding eight new strategies. These changes address challenges faced by financial advisors and their clients such as advisor demand for income generation in a low yield environment and demographic demand for generational shift from accumulation to spending and distributing income.	
 
 	•	 	Dividends of $30 million were paid to the holding company through September 30, 2012.	
Wealth Management net operating income was $10 million, compared with $12 million in both the prior quarter and the prior year. Net operating income in the prior year included approximately $1 million for Genworth Financial Investment Services (GFIS) which was sold on April 2, 2012. Assets under management (AUM) increased sequentially to $22.6 billion as positive market conditions impacted AUM by $567 million. Net flows for the quarter were negative $254 million, primarily related to relative investment performance. Margins 8 as a percentage of average AUM increased nominally from the prior year. As of the end of the quarter, total advisors with assets on the platform were approximately 6,340.

7  	Percent change excludes the impact of foreign exchange.	
8  	Calculated as pre-tax income as a percentage of average AUM annualized to determine the current full year impact, excluding the impacts of GFIS. Average AUM for September 30, 2011 excludes $2.6 billion related to GFIS. Pre-tax income for September 30, 2011 excludes $2 million related to GFIS.	
 
7

Global Mortgage Insurance Division
Global Mortgage Insurance Division had net operating income of $56 million, compared with net operating income of $51 million in the prior quarter and a net operating loss of $11 million a year ago.

Global Mortgage Insurance Division	 	
Net Operating Income (Loss)	 	
(Amounts in millions) 	  	Q3 12	 	 	Q2 12	 	 	Q3 11	 	
International Mortgage Insurance	  				 				 				
Canada	  	$	42	  	 	$	41	  	 	$	40	  	
Australia	  	 	57	  	 	 	44	  	 	 	36	  	
Other Countries	  	 	(5	) 	 	 	(9	) 	 	 	(8	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance	  	 	94	  	 	 	76	  	 	 	68	  	
U.S. Mortgage Insurance	  	 	(38	) 	 	 	(25	) 	 	 	(79	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance	  	$	56	  	 	$	51	  	 	$	(11	) 	

													
Sales	 	
(Amounts in billions) 	  	Q3 12	 	  	Q2 12	 	  	Q3 11	 	
International Mortgage Insurance	  				  				  				
Flow	  				  				  				
Canada	  	$	7.2	  	  	$	5.7	  	  	$	6.8	  	
Australia	  	 	8.8	  	  	 	8.2	  	  	 	7.1	  	
Other Countries	  	 	0.4	  	  	 	0.5	  	  	 	0.5	  	
Bulk	  				  				  				
Canada	  	 	2.6	  	  	 	13.1	  	  	 	0.6	  	
Australia	  	 	—  	  	  	 	0.3	  	  	 	0.1	  	
Other Countries	  	 	—  	  	  	 	—  	  	  	 	0.3	  	
U.S. Mortgage Insurance	  				  				  				
Primary Flow	  	 	4.7	  	  	 	3.6	  	  	 	2.7	  	
Primary Bulk	  	 	—  	  	  	 	—  	  	  	 	—  	  	
International Mortgage Insurance Segment
Highlights
 
•	 	Reported International Mortgage Insurance segment operating earnings were $94 million, compared with $76 million in the prior quarter and $68 million a year ago.	
 
•	 	Canada operating earnings of $42 million were up from $41 million in the prior quarter and $40 million in the prior year. The loss ratio was 30 percent, down two points sequentially.	
 
•	 	Australia operating earnings of $57 million were up from $44 million in the prior quarter and $36 million in the prior year. Results in the prior year included an unfavorable tax charge of $16 million attributable to changes in uncertain tax positions associated with the company’s initial public offering in 2004. Results in the current quarter improved versus the prior quarter as new delinquencies were down across all major states and from favorable taxes. The loss ratio in the current quarter was 47 percent, down from 54 percent in the prior quarter.	
 
8

•	 	Other Countries had a net operating loss of $5 million, an improvement of $4 million over the prior quarter from lower loss development.	
 
•	 	In Canada, flow new insurance written (NIW) was up 28 percent 7 sequentially from seasonal variation and up 10 percent 7 year over year from a higher origination market.	
 
•	 	In Australia, flow NIW was up nine percent 7 sequentially and up 30 percent 7 year over year as the current year origination market was larger primarily from improved affordability from lower mortgage rates.	
 
•	 	The Canadian and Australian businesses continue to maintain sound capital positions.	
Canada operating earnings of $42 million were up from $41 million in the prior quarter and $40 million in the prior year. The loss ratio in the quarter was 30 percent, down from 32 percent in the prior quarter and down from 36 percent in the prior year from lower new delinquencies, net of cures, and continued improvement in Alberta. The lower losses in the current quarter were partially offset by lower earned premiums from the maturing of the larger 2007 and 2008 books of business. Flow NIW was up 28 percent 7 sequentially from seasonal variation and up 10 percent 7 year over year from a higher origination market. At quarter end, the Canada mortgage insurance business had a regulatory capital ratio of 164 percent 5 , well in excess of regulatory requirements. GAAP book value was $2.9 billion, of which $1.7 billion represented Genworth’s 57.5 percent ownership interest.
Australia reported net operating earnings of $57 million versus $44 million in the prior quarter and $36 million in the prior year as claims development in the quarter was in line with the first quarter reserve strengthening expectations and from favorable taxes. The loss ratio in the quarter was 47 percent, down seven points sequentially and one point from the prior year. Overall, delinquencies were down 10 percent from the prior quarter and new delinquencies were lower in all major states. Flow NIW was up nine percent 7 sequentially and up 30 percent 7 year over year as the current year origination market was larger primarily from improved affordability from lower mortgage rates. At quarter end, the Australia mortgage insurance business had a regulatory capital ratio of 136 percent 5 , as the company terminated a reinsurance agreement with an affiliate reinsurer during the quarter. The GAAP book value was $2.3 billion as of the end of the quarter.
Other countries net operating loss of $5 million improved $4 million sequentially and $3 million from the prior year driven by a reduction in losses primarily in Ireland.
 
9

U.S. Mortgage Insurance Segment
Highlights
 
•	 	U.S. MI net operating loss was $38 million, compared with $25 million in the prior quarter and $79 million in the prior year. Results in the prior quarter included a $12 million after-tax favorable impact from the termination of an external reinsurance contract.	
 
•	 	Total flow delinquencies of 69,174 decreased four percent sequentially and 19 percent from the prior year. New flow delinquencies increased approximately five percent from the prior quarter reflecting seasonal development and decreased approximately 24 percent from the prior year.	
 
•	 	Loss mitigation savings were $189 million in the current quarter and $509 million through the third quarter of 2012, exceeding the previously announced full year loss mitigation savings target of $300 to $400 million.	
 
•	 	Flow NIW increased 31 percent over the prior quarter to $4.7 billion reflecting an increase in overall private mortgage insurance penetration, a larger origination market and an increase in market share.	
 
•	 	The combined risk-to-capital ratio as of September 30, 2012 is estimated at 29.8:1 5 .	
 
•	 	During the quarter, the government sponsored entities (GSEs) granted Genworth Residential Mortgage Assurance Corporation (GRMAC) an extension of the ability to write new business in non-waiver states through December 31, 2013.	
U.S. MI net operating loss was $38 million, compared with $25 million in the prior quarter and $79 million in the prior year. Results in the prior quarter included a $12 million after-tax favorable impact from the termination of an external reinsurance contract.
Total flow delinquencies decreased four percent sequentially and 19 percent versus the prior year. New flow delinquencies increased approximately five percent from the prior quarter reflecting seasonal development but declined approximately 24 percent from the prior year, reflecting the continued burn through of delinquencies from the 2005 to 2008 book years. The flow average reserve per delinquency was $30,000, down slightly from the prior quarter.
Total losses were flat compared to the prior quarter as a seasonal increase in new delinquency development and lower cure activity was offset by effective loss mitigation programs and modest changes in aging of existing delinquencies. Paid claims increased 10 percent from the prior year, driven by higher claim counts and a reduction in captive benefits, partially offset by a reduction in severity from claims mitigation.
Loss mitigation savings were $189 million in the quarter, up 17 percent from the prior quarter, as a favorable mix of later stage delinquent loans were modified partially offset by an expected reduction in overall workouts.
 
10

Flow NIW increased 31 percent over the prior quarter to $4.7 billion reflecting an increase in overall private mortgage insurance penetration, a larger origination market and an increase in market share. Overall private mortgage insurance market penetration was up approximately one point versus the prior quarter and up approximately two points year over year. The company’s market share at the end of the quarter is estimated to be approximately 13 percent. Flow persistency was 81 percent. In addition, the Home Affordable Refinance Program (HARP) accounted for about $2.6 billion of insurance that is treated as a modification of the coverage on existing insurance in force rather than NIW.
The combined U.S. MI statutory risk-to-capital ratio is estimated at 29.8:1 5 at the end of the third quarter with the risk-to-capital ratio for Genworth Mortgage Insurance Corporation (GEMICO), the company’s primary mortgage insurance company, estimated at 35.1:1 5 . GEMICO currently maintains waivers or other authorizations from 45 states that permit the company to continue writing new business while its risk-to-capital ratio exceeds 25.0:1. Additionally, the company has separately capitalized and licensed legal entities to write new business for states where waivers are not in place, subject to the approval of applicable regulators and the GSEs approval. Currently, new business in four states is being written out of GRMAC, a subsidiary of GEMICO, which has an estimated risk-to-capital ratio at the end of the third quarter of 4.4:1 5 . During the third quarter, the North Carolina Department of Insurance granted GEMICO an 18 month extension of the revocable waiver of compliance with its risk-to-capital requirement through July 31, 2014. Also during the quarter, the GSEs granted GRMAC an extension of the ability to write new business in non-waiver states through December 31, 2013.
Corporate and Runoff Division
Corporate and Runoff Division net operating loss was $39 million, compared with $50 million in the prior quarter and $63 million in the prior year.

Corporate and Runoff Division	 	
Net Operating Income (Loss)	 	
(Amounts in millions) 	  	Q3 12	 	 	Q2 12	 	 	Q3 11	 	
Runoff	  	$	9	  	 	$	(6	) 	 	$	(7	) 	
Corporate and Other	  	 	(48	) 	 	 	(44	) 	 	 	(56	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Runoff	  	$	       (39	) 	 	$	      (50	) 	 	$	      (63	) 	

													
Assets Under Management 4	  	 	 	  	 	 	  	 	 	
(Amounts in millions) 	  	Q3 12	 	  	Q2 12	 	  	Q3 11	 	
Variable Annuities	  	$	8,270	  	  	$	8,225	  	  	$	8,155	  	
Guaranteed Investment Contracts, Funding Agreements	  				  				  				
Backing Notes and Funding Agreements	  	 	2,297	  	  	 	2,221	  	  	 	2,717	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Total Runoff	  	$	10,567	  	  	$	10,446	  	  	$	10,872	  	

11

Runoff Segment
The Runoff segment’s net operating income was $9 million, compared with net operating losses of $6 million in the prior quarter and $7 million in the prior year, as the current quarter reflected improved equity market conditions versus both the prior quarter and prior year. Results in the current quarter also included a $6 million unfavorable impact from refinement of DAC assumptions primarily related to the company’s annual review of assumptions.
Corporate and Other
Corporate and Other’s net operating loss was $48 million, compared with $44 million in the prior quarter and $56 million in the prior year. Results in the current quarter reflected tax benefits of $5 million that are expected to reverse in the fourth quarter of 2012. On a pre-tax operating basis, the loss decreased modestly year over year.
Investment Portfolio Performance
Investment income decreased, with net investment income of $825 million, compared to $846 million in the second quarter. The core yield 2 decreased sequentially to approximately 4.5 percent from approximately 4.7 percent from less favorable limited partnership performance.
Net income in the quarter included $1 million of net investment losses, net of tax and DAC amortization of $6 million.
Net unrealized investment gains were $2.6 billion, net of tax and other items, as of September 30, 2012, compared with $1.5 billion as of September 30, 2011 and $2.0 billion as of June 30, 2012. The fixed maturity securities portfolio had gross unrealized investment gains of $6.7 billion compared with $4.9 billion as of September 30, 2011 and gross unrealized investment losses of $0.8 billion compared with $1.4 billion as of September 30, 2011.
Holding Company
Genworth’s holding company ended the quarter with approximately $1.4 billion of cash and highly liquid securities, up approximately $200 million sequentially primarily from $116 million of dividends paid to the holding company from the Insurance and Wealth Management Division and $20 million from Canada. The holding company targets maintaining cash and highly liquid securities of at least two times its annual debt service expense. The holding company has no debt maturities until June 2014.
 
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About Genworth Financial
Genworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 insurance holding company dedicated to helping people secure their financial lives, families and futures. Genworth has leadership positions in offerings that assist consumers in protecting themselves, investing for the future and planning for retirement — including life insurance, long term care insurance, financial protection coverages, and independent advisor-based wealth management — and mortgage insurance that helps consumers achieve home ownership while assisting lenders in managing their risk and capital.
Genworth has approximately 6,300 employees and operates through three divisions: Insurance and Wealth Management, which includes U.S. Life Insurance, Wealth Management and International Protection segments; Global Mortgage Insurance, which includes U.S. and International Mortgage Insurance segments; and the Corporate and Runoff division. Its products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists. Genworth Financial, Inc., which traces its roots back to 1871, became a public company in 2004 and is headquartered in Richmond, Virginia. For more information, visit genworth.com. From time to time, Genworth Financial, Inc. releases important information via postings on its corporate website. Accordingly, investors and other interested parties are encouraged to enroll to receive automatic email alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information is found under the “Investors” section of genworth.com.
Conference Call and Financial Supplement Information
This press release and the third quarter 2012 financial supplement are now posted on the company’s website. Additional information regarding U.S. mortgage insurance and Australia are also posted on the company’s website, http://investor.genworth.com . Investors are encouraged to review all of these materials.
Genworth will conduct a conference call on October 31, 2012 at 9 a.m. (ET) to discuss the quarter’s results and the company’s strategy. Additional materials regarding the company’s strategy will be available at 8:30 a.m. (ET). The conference call will be accessible via telephone and the Internet. The dial-in number for the conference call is 866 393.0571 or 206 453.2872 (outside the U.S.). To participate in the call by webcast, register at http://investor.genworth.com at least 15 minutes prior to the webcast to download and install any necessary software.
Replays of the call will be available through November 14, 2012 at 855 859.2056 or 404 537.3406 (outside the U.S.); the conference ID # for the call is # 28897883. The webcast will also be archived on the company’s website.
 
13

Use of Non-GAAP Measures
This press release includes the non-GAAP financial measure entitled “net operating income (loss).” The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders. The company defines net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses and infrequent or unusual non-operating items. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A component of the company’s net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments and gains (losses) on the sale of businesses are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders because, in the company’s opinion, they are not indicative of overall operating trends. Other non-operating items are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders if, in the company’s opinion, they are not indicative of overall operating trends.
In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders to exclude goodwill impairments to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that it is not indicative of overall operating trends. There was an $86 million after-tax goodwill impairment related to our lifestyle protection insurance business recorded in the third quarter of 2012. The company also modified its definition to explicitly state that gains (losses) on the sale of businesses, which were previously included in the infrequent and unusual category, are excluded from net operating income (loss). All prior periods presented have been represented to reflect this new definition.
There were no infrequent or unusual items excluded from net operating income available to Genworth Financial, Inc.’s common stockholders during the periods presented.
While some of these items may be significant components of net income (loss) available to Genworth Financial, Inc.’s common stockholders in accordance with GAAP, the company believes that net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and measures that are derived from or incorporate net operating income (loss) available to Genworth Financial, Inc.’s common stockholders, including net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from net operating income (loss) available
 
14

to Genworth Financial, Inc.’s common stockholders have occurred in the past and could, and in some cases will, recur in the future. Net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth Financial, Inc.’s common stockholders or net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis determined in accordance with GAAP. In addition, the company’s definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders may differ from the definitions used by other companies. The tables at the end of this press release reflect net operating income (loss) as determined in accordance with accounting guidance related to segment reporting and a reconciliation of net operating income (loss) of the company’s segments and Corporate and Other activities to net income available to Genworth Financial, Inc.’s common stockholders for the three months ended September 30, 2012 and 2011.
This press release includes the non-GAAP financial measure entitled “core yield” as a measure of investment yield. The company defines core yield as the investment yield adjusted for those items that are not recurring in nature. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield as defined by the company should not be viewed as a substitute for GAAP investment yield. In addition, the company’s definition of core yield may differ from the definitions used by other companies. A reconciliation of core yield to reported GAAP yield is included in a table at the end of this press release.
Definition of Selected Operating Performance Measures
The company reports selected operating performance measures including “sales,” “assets under management” and “insurance in force” or “risk in force” which are commonly used in the insurance and investment industries as measures of operating performance.
Management regularly monitors and reports sales metrics as a measure of volume of new and renewal business generated in a period. Sales refer to: (1) annualized first-year premiums for term life and long term care insurance; (2) annualized first-year deposits plus five percent of excess deposits for universal and term universal life insurance products; (3) 10 percent of premium deposits for linked-benefits products; (4) new and additional premiums/deposits for fixed annuities; (5) gross flows and net flows, which represent gross flows less redemptions, for the wealth management business; (6) written premiums and deposits, gross of ceded reinsurance and cancellations, and premium equivalents, where the company earns a fee for administrative services only business, for the lifestyle protection insurance business; and (7) new insurance written for
 
15

mortgage insurance. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers annualized first-year premiums, premium equivalents, new premiums/deposits, gross and net flows, written premiums and new insurance written to be a measure of the company’s operating performance because they represent a measure of new sales of insurance policies or contracts during a specified period, rather than a measure of the company’s revenues or profitability during that period.
This press release also includes the metric entitled “underwriting margin” related to the lifestyle protection business. The company defines underwriting margin as underwriting profit divided by net earned premiums. Underwriting profit is defined as premiums less benefits and other changes in reserves, commissions (which include amortization of deferred acquisition costs) and profit share expenses. Management believes that this analysis of underwriting margin enhances the understanding of the lifestyle protection business.
Management regularly monitors and reports assets under management for the wealth management business, insurance in force and risk in force. Assets under management for the wealth management business represent third-party assets under management that are not consolidated in the company’s financial statements. Insurance in force for the life, international mortgage and U.S. mortgage insurance businesses is a measure of the aggregate face value of outstanding insurance policies as of the respective reporting date. For the risk in force in the international mortgage insurance business, the company has computed an “effective” risk in force amount, which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in force has been calculated by applying to insurance in force a factor of 35 percent that represents the highest expected average per-claim payment for any one underwriting year over the life of the company’s businesses in Canada and Australia. Risk in force for the U.S. mortgage insurance business is the obligation that is limited under contractual terms to the amounts less than 100 percent of the mortgage loan value. The company considers assets under management for the wealth management business, insurance in force and risk in force to be a measure of the company’s operating performance because they represent a measure of the size of the business at a specific date which will generate revenues and profits in a future period, rather than a measure of the company’s revenues or profitability during that period.
This press release also includes information related to loss mitigation activities for the U.S. mortgage insurance business. The company defines loss mitigation activities as rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled presales, claims administration and other loan workouts. Estimated savings related to rescissions are the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings related to loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including presales, the estimated savings represent the difference between the full claim obligation and the
 
16

actual amount paid. The company believes that this information helps to enhance the understanding of the operating performance of the U.S. mortgage insurance business as loss mitigation activities specifically impact current and future loss reserves and level of claim payments.
These operating measures enable the company to compare its operating performance across periods without regard to revenues or profitability related to policies or contracts sold in prior periods or from investments or other sources.
Cautionary Note Regarding Forward-Looking Statements
This press release contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “seeks,” “estimates,” “will” or words of similar meaning and include, but are not limited to, statements regarding the outlook for the company’s future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including the following:
 
 	•	 	Risks relating to the company’s businesses , including downturns and volatility in global economies and equity and credit markets; downgrades or potential downgrades in the company’s financial strength or credit ratings; interest rate fluctuations and levels; adverse capital and credit market conditions; the impact of expiration of the company’s credit facilities; the valuation of fixed maturity, equity and trading securities; defaults, downgrades or other events impacting the value of the company’s fixed maturity securities portfolio; defaults on the company’s commercial mortgage loans or the mortgage loans underlying the company’s investments in commercial mortgage-backed securities and volatility in performance; goodwill impairments; defaults by counterparties to reinsurance arrangements or derivative instruments; an adverse change in risk based capital and other regulatory requirements; insufficiency of reserves; legal constraints on dividend distributions by the company’s subsidiaries; competition; availability, affordability and adequacy of reinsurance; loss of key distribution partners; regulatory restrictions on the company’s operations and changes in applicable laws and regulations; legal or regulatory investigations or actions; the failure of or any compromise of the security of the company’s computer systems; the occurrence of natural or man-made disasters or a pandemic; the effect of the enactment of the Dodd-Frank Wall Street Reform and Consumer Protection Act; changes in the accounting standards issued by the Financial Accounting Standards Board or other standard-setting bodies; impairments of or valuation allowances against the company’s deferred tax assets; changes in expected morbidity and mortality rate; accelerated amortization of deferred acquisition costs and present value of future profits; reputational risks as a result of rate increases on certain in force long term care insurance products; medical advances, such as genetic research and diagnostic imaging,	
 
17

 	and related legislation; unexpected changes in persistency rates; ability to continue to implement actions to mitigate the impact of statutory reserve requirements; the failure of demand for long term care insurance to increase; political and economic instability or changes in government policies; foreign exchange rate fluctuations; unexpected changes in unemployment rates; unexpected increases in mortgage insurance default rates or severity of defaults; the significant portion of high loan to value insured international mortgage loans which generally result in more and larger claims than lower loan-to-value ratios; competition with government owned and government sponsored enterprises offering mortgage insurance; changes in international regulations reducing demand for mortgage insurance; increases in mortgage insurance default rates; failure to meet, or have waived to the extent needed, the minimum statutory capital requirements and hazardous financial condition standards; uncertain results of continued investigations of insured U.S. mortgage loans; possible rescissions of coverage and the results of objections to the company’s rescissions; the extent to which loan modifications and other similar programs may provide benefits to the company; unexpected changes in unemployment and underemployment rates in the United States; further deterioration in economic conditions or a further decline in home prices in the United States; problems associated with foreclosure process defects in the United States that may defer claim payments; changes to the role or structure of Federal National Mortgage Association (Fannie Mae) and Federal Home Loan Mortgage Corporation (Freddie Mac); competition with government owned and government sponsored enterprises offering U.S. mortgage insurance; changes in regulations that affect the U.S. mortgage insurance business; the influence of Fannie Mae, Freddie Mac and a small number of large mortgage lenders and investors; decreases in the volume of high loan to value mortgage originations or increases in mortgage insurance cancellations in the United States; increases in the use of alternatives to private mortgage insurance in the United States and reductions by lenders in the level of coverage they select; the impact of the use of reinsurance with reinsurance companies affiliated with U.S. mortgage lending customers; legal actions under the Real Estate Settlement Procedures Act of 1974; and potential liabilities in connection with the company’s U.S. contract underwriting services;	
 
 	•	 	Other risks , including the risk that adverse market or other conditions might further delay or impede the planned IPO of the company’s mortgage insurance business in Australia; the possibility that in certain circumstances the company will be obligated to make payments to General Electric Company (GE) under the tax matters agreement with GE even if the company’s corresponding tax savings are never realized and payments could be accelerated in the event of certain changes in control; and provisions of the company’s certificate of incorporation and bylaws and the tax matters agreement with GE may discourage takeover attempts and business combinations that stockholders might consider in their best interests; and	
 
 	•	 	Risks relating to the company’s common stock, including the suspension of dividends and stock price fluctuations.	
 
18

The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.
# # #
Contact Information:

Investors:	  	Georgette Nicholas, 804 662.2248	
		
	  	georgette.nicholas@genworth.com	
		
Media:	  	Al Orendorff, 804 662.2534	
		
	  	alfred.orendorff@genworth.com	
 
19

Condensed Consolidated Statements of Income
(Amounts in millions, except per share amounts)

 	  	Three months ended	 	
 	  	September 30,	 	
 	  	2012	 	  	2011	 	
Revenues:	  				  				
Premiums	  	$	1,311	  	  	$	1,461	  	
Net investment income	  	 	825	  	  	 	842	  	
Net investment gains (losses)	  	 	9	  	  	 	(157	) 	
Insurance and investment product fees and other	  	 	391	  	  	 	375	  	
	  	 	 	 	  	 	 	 	
Total revenues	  	 	2,536	  	  	 	2,521	  	
	  	 	 	 	  	 	 	 	
Benefits and expenses:	  				  				
Benefits and other changes in policy reserves	  	 	1,363	  	  	 	1,457	  	
Interest credited	  	 	193	  	  	 	194	  	
Acquisition and operating expenses, net of deferrals	  	 	504	  	  	 	581	  	
Amortization of deferred acquisition costs and intangibles	  	 	162	  	  	 	152	  	
Goodwill impairment	  	 	89	  	  	 	—  	  	
Interest expense	  	 	126	  	  	 	124	  	
	  	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	2,437	  	  	 	2,508	  	
	  	 	 	 	  	 	 	 	
Income before income taxes	  	 	99	  	  	 	13	  	
Provision (benefit) for income taxes	  	 	29	  	  	 	(7	) 	
	  	 	 	 	  	 	 	 	
Net income	  	 	70	  	  	 	20	  	
Less: net income attributable to noncontrolling interests	  	 	36	  	  	 	36	  	
	  	 	 	 	  	 	 	 	
Net income (loss) available to Genworth Financial, Inc.’s common stockholders	  	$	34	  	  	$	(16	) 	

Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share:	  				  				
Basic	  	$	0.07	  	  	$	(0.03	) 	
	  	 	 	 	  	 	 	 	
Diluted	  	$	0.07	  	  	$	(0.03	) 	
	  	 	 	 	  	 	 	 	
Weighted-average common shares outstanding:	  				  				
Basic	  	 	491.7	  	  	 	490.8	  	
	  	 	 	 	  	 	 	 	
Diluted	  	 	493.9	  	  	 	490.8	  	

20

Reconciliation of Net Operating Income to Net Income (Loss)
(Amounts in millions, except per share amounts)

 	  	Three months ended	 	
 	  	September 30,	 	
 	  	2012	 	 	2011	 	
Net operating income (loss):	  				 				
Insurance and Wealth Management Division	  				 				
U.S. Life Insurance segment	  				 				
Life Insurance	  	$	22	  	 	$	64	  	
Long Term Care	  	 	45	  	 	 	17	  	
Fixed Annuities	  	 	19	  	 	 	21	  	
	  	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	86	  	 	 	102	  	
International Protection segment	  	 	8	  	 	 	22	  	
Wealth Management segment	  	 	10	  	 	 	12	  	
	  	 	 	 	 	 	 	 	
Total Insurance and Wealth Management Division	  	 	104	  	 	 	136	  	
	  	 	 	 	 	 	 	 	
Global Mortgage Insurance Division	  				 				
International Mortgage Insurance segment	  				 				
Canada	  	 	42	  	 	 	40	  	
Australia	  	 	57	  	 	 	36	  	
Other Countries	  	 	(5	) 	 	 	(8	) 	
	  	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	94	  	 	 	68	  	
U.S. Mortgage Insurance segment	  	 	(38	) 	 	 	(79	) 	
	  	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	56	  	 	 	(11	) 	
	  	 	 	 	 	 	 	 	
Corporate and Runoff Division	  				 				
Runoff segment	  	 	9	  	 	 	(7	) 	
Corporate and Other	  	 	(48	) 	 	 	(56	) 	
	  	 	 	 	 	 	 	 	
Total Corporate and Runoff Division	  	 	(39	) 	 	 	(63	) 	
	  	 	 	 	 	 	 	 	
Net operating income	  	 	121	  	 	 	62	  	
Adjustments to net operating income:	  				 				
Net investment gains (losses), net of taxes and other adjustments	  	 	(1	) 	 	 	(78	) 	
Goodwill impairment, net of taxes	  	 	(86	) 	 	 	—  	  	
	  	 	 	 	 	 	 	 	
Net income (loss) available to Genworth Financial, Inc.’s common stockholders	  	 	34	  	 	 	(16	) 	
Add: net income attributable to noncontrolling interests	  	 	36	  	 	 	36	  	
	  	 	 	 	 	 	 	 	
Net income	  	$	70	  	 	$	20	  	

Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share:	  				 				
Basic	  	$	0.07	  	 	$	(0.03	) 	
	  	 	 	 	 	 	 	 	
Diluted	  	$	0.07	  	 	$	(0.03	) 	
	  	 	 	 	 	 	 	 	
Net operating income per common share:	  				 				
Basic	  	$	0.25	  	 	$	0.13	  	
	  	 	 	 	 	 	 	 	
Diluted	  	$	0.25	  	 	$	0.13	  	
	  	 	 	 	 	 	 	 	
Weighted-average common shares outstanding:	  				 				
Basic	  	 	491.7	  	 	 	490.8	  	
	  	 	 	 	 	 	 	 	
Diluted	  	 	493.9	  	 	 	490.8	  	

21

Condensed Consolidated Balance Sheets
(Amounts in millions)

 	  	September 30,	 	 	December 31,	 	
 	  	2012	 	 	2011	 	
Assets	  				 				
Cash, cash equivalents and invested assets	  	$	79,380	  	 	$	77,083	  	
Deferred acquisition costs	  	 	5,020	  	 	 	5,193	  	
Intangible assets	  	 	488	  	 	 	580	  	
Goodwill	  	 	1,128	  	 	 	1,253	  	
Reinsurance recoverable	  	 	17,195	  	 	 	16,998	  	
Deferred tax and other assets	  	 	1,010	  	 	 	958	  	
Separate account assets	  	 	10,166	  	 	 	10,122	  	
	  	 	 	 	 	 	 	 	
Total assets	  	$	114,387	  	 	$	112,187	  	
	  	 	 	 	 	 	 	 	
Liabilities and stockholders’ equity	  				 				
Liabilities:	  				 				
Future policy benefits	  	$	33,221	  	 	$	32,175	  	
Policyholder account balances	  	 	26,449	  	 	 	26,345	  	
Liability for policy and contract claims	  	 	7,545	  	 	 	7,620	  	
Unearned premiums	  	 	4,291	  	 	 	4,223	  	
Deferred tax and other liabilities	  	 	7,510	  	 	 	7,146	  	
Borrowings related to securitization entities	  	 	353	  	 	 	396	  	
Non-recourse funding obligations	  	 	2,325	  	 	 	3,256	  	
Long-term borrowings	  	 	4,880	  	 	 	4,726	  	
Separate account liabilities	  	 	10,166	  	 	 	10,122	  	
	  	 	 	 	 	 	 	 	
Total liabilities	  	 	96,740	  	 	 	96,009	  	
	  	 	 	 	 	 	 	 	
Stockholders’ equity:	  				 				
Common stock	  	 	1	  	 	 	1	  	
Additional paid-in capital	  	 	12,162	  	 	 	12,136	  	
	  	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  				 				
Net unrealized investment gains (losses):	  				 				
Net unrealized gains (losses) on securities not other-than-temporarily impaired	  	 	2,641	  	 	 	1,617	  	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	(88	) 	 	 	(132	) 	
	  	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	2,553	  	 	 	1,485	  	
	  	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	2,011	  	 	 	2,009	  	
Foreign currency translation and other adjustments	  	 	659	  	 	 	553	  	
	  	 	 	 	 	 	 	 	
Total accumulated other comprehensive income (loss)	  	 	5,223	  	 	 	4,047	  	
Retained earnings	  	 	1,741	  	 	 	1,584	  	
Treasury stock, at cost	  	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	16,427	  	 	 	15,068	  	
Noncontrolling interests	  	 	1,220	  	 	 	1,110	  	
	  	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	17,647	  	 	 	16,178	  	
	  	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	114,387	  	 	$	112,187	  	

22

Impact of Foreign Exchange on Operating Results 9 
Three months ended September 30, 2012

 	  	Percentages
Including Foreign
Exchange	 	 	Percentages
Excluding Foreign
Exchange 10 	 	
International Protection:	  				 				
Sales	  	 	(16	)% 	 	 	(1	)% 	
Sales (3Q12 vs. 2Q12)	  	 	(12	)% 	 	 	(7	)% 	
			
Canada Mortgage Insurance (MI):	  				 				
Flow new insurance written	  	 	6	% 	 	 	10	% 	
Flow new insurance written (3Q12 vs. 2Q12)	  	 	26	% 	 	 	28	% 	
			
Australia MI:	  				 				
Flow new insurance written	  	 	24	% 	 	 	30	% 	
Flow new insurance written (3Q12 vs. 2Q12)	  	 	7	% 	 	 	9	% 	

9  	All percentages are comparing the third quarter of 2012 to the third quarter of 2011 unless otherwise stated.	
10  	The impact of foreign exchange was calculated using the comparable prior period exchange rates.	
 
23

Reconciliation of Core Yield to Reported Yield

   	  	For the three
months ended
September 30,
2012	 	
(Assets - amounts in billions)	  				
Reported Total Invested Assets and Cash	  	$	78.6	  	
Subtract:	  				
Securities lending	  	 	0.2	  	
Unrealized gains (losses)	  	 	7.3	  	
Derivative counterparty collateral	  	 	1.0	  	
	  	 	 	 	
Adjusted end of period invested assets	  	$	70.1	  	

Average Invested Assets Used in Reported Yield Calculation	  	$	69.6	  	
Subtract:	  				
Restricted commercial mortgage loans and other invested assets related to securitization entities 11	  	 	0.4	  	
	  	 	 	 	
Average Invested Assets Used in Core Yield Calculation	  	$	69.2	  	

( Income - amounts in millions)	  				
Reported Net Investment Income	  	$	825	  	
Subtract:	  				
Bond calls and commercial mortgage loan prepayments	  	 	14	  	
Reinsurance 12	  	 	19	  	
Other non-core items 13	  	 	3	  	
Restricted commercial mortgage loans and other invested assets related to securitization entities 11	  	 	6	  	
	  	 	 	 	
Core Net Investment Income	  	$	783	  	

Reported Yield	  	 	4.74	% 	
	  	 	 	 	
Core Yield	  	 	4.53	% 	

11  	Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.	
12  	Represents imputed investment income related to reinsurance agreements in the lifestyle protection insurance business.	
13  	Includes mark-to-market adjustment on assets supporting executive deferred compensation and various other immaterial items.	
 
24

Table of Contents
Exhibit 99.2

Table of Contents
 GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012

Table of Contents	  	Page	 	
Investor Letter	  	 	3	  	
Use of Non-GAAP Measures and Selected Operating Performance Measures	  	 	4	  	
Financial Highlights	  	 	5	  	
		
Third Quarter Results	  				
Net Income (Loss)	  	 	7	  	
Net Operating Income by Segment	  	 	8	  	
Consolidated Net Income (Loss) by Quarter	  	 	9	  	
Net Operating Income (Loss) by Segment by Quarter	  	 	10	  	
Consolidated Balance Sheets	  	 	11-12	  	
Consolidated Balance Sheets by Segment	  	 	13-14	  	
Deferred Acquisition Costs Rollforward	  	 	15	  	
		
Quarterly Results	  				
Net Operating Income and Sales—Insurance and Wealth Management Division	  	 	17-32	  	
Net Operating Income (Loss) and Sales—Global Mortgage Insurance Division	  	 	34-59	  	
Net Operating Income (Loss) and Sales—Corporate and Runoff Division	  	 	61-68	  	
		
Additional Financial Data	  				
Investments Summary	  	 	70	  	
Fixed Maturity Securities Summary	  	 	71	  	
Commercial Mortgage Loans Summary	  	 	72-73	  	
General Account GAAP Net Investment Income Yields	  	 	74	  	
Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail	  	 	75	  	
		
Reconciliations of Non-GAAP Measures	  				
Reconciliation of Operating Return On Equity (ROE)	  	 	77	  	
Reconciliation of Expense Ratio	  	 	78	  	
Reconciliation of Core Premiums	  	 	79	  	
Reconciliation of Core Yield	  	 	80	  	
		
Corporate Information	  				
Industry Ratings	  	 	82-83	  	
Note: 
Unless otherwise noted, references in this financial supplement to net income (loss), net income (loss) per share, net operating income (loss), net operating income (loss)
per share, book value and book value per common share should be read as net income (loss) available to Genworth Financial, Inc.’s common stockholders, net income
(loss) available to Genworth Financial, Inc.’s common stockholders per share, net operating income (loss) available to Genworth Financial, Inc.’s common stockholders,
net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per share, book value available to Genworth Financial, Inc.’s common
stockholders and book value available to Genworth Financial, Inc.’s common stockholders per share, respectively.
 
2

Table of Contents
 GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
Dear Investor,
In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders. Additional information is included on page 4.
Once again, thank you for your continued interest in Genworth Financial.
Please feel free to call with any questions or comments.
Regards,
Georgette Nicholas
Investor Relations
804 662.2248
 
3

Table of Contents
 GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
Use of Non-GAAP Measures
This financial supplement includes the non-GAAP (1) financial measure entitled “net operating income (loss).” The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders. The company defines net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses and infrequent or unusual non-operating items. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A component of the company’s net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments and gains (losses) on the sale of businesses are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders because, in the company’s opinion, they are not indicative of overall operating trends. Other non-operating items are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders if, in the company’s opinion, they are not indicative of overall operating trends.
In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders to exclude goodwill impairments to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that it is not indicative of overall operating trends. The company also modified its definition to explicitly state that gains (losses) on the sale of businesses, which were previously included in the infrequent and unusual category, are excluded from net operating income (loss). All prior periods presented have been re-presented to reflect this new definition.
While some of these items may be significant components of net income (loss) available to Genworth Financial, Inc.’s common stockholders in accordance with GAAP, the company believes that net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and measures that are derived from or incorporate net operating income (loss) available to Genworth Financial, Inc.’s common stockholders, including net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders have occurred in the past and could, and in some cases will, recur in the future. Net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth Financial, Inc.’s common stockholders or net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis determined in accordance with GAAP. In addition, the company’s definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders may differ from the definitions used by other companies.
The table on page 10 of this financial supplement reflects net operating income (loss) as determined in accordance with accounting guidance related to segment reporting, and a reconciliation of net operating income (loss) of the company’s segments and Corporate and Other activities to net income (loss) available to Genworth Financial, Inc.’s common stockholders for the periods presented. The financial supplement includes other non-GAAP measures management believes enhances the understanding and comparability of performance by highlighting underlying business activity and profitability drivers. These additional non-GAAP measures are on pages 77 through 80 of this financial supplement.
Selected Operating Performance Measures 
This financial supplement contains selected operating performance measures including “sales,” “assets under management” and “insurance in-force” or “risk in-force” which are commonly used in the insurance and investment industries as measures of operating performance.
Management regularly monitors and reports sales metrics as a measure of volume of new and renewal business generated in a period. Sales refer to: (1) annualized first-year premiums for term life and long-term care insurance; (2) annualized first-year deposits plus 5% of excess deposits for universal and term universal life insurance products; (3) 10% of premium deposits for linked-benefits products; (4) new and additional premiums/deposits for fixed annuities; (5) gross flows and net flows, which represent gross flows less redemptions, for the wealth management business; (6) written premiums and deposits, gross of ceded reinsurance and cancellations, and premium equivalents, where the company earns a fee for administrative services only business, for the lifestyle protection insurance business; and (7) new insurance written for mortgage insurance. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers annualized first-year premiums, premium equivalents, new premiums/deposits, gross and net flows, written premiums and new insurance written to be a measure of the company’s operating performance because they represent a measure of new sales of insurance policies or contracts during a specified period, rather than a measure of the company’s revenues or profitability during that period.
Management regularly monitors and reports assets under management for the wealth management business, insurance in-force and risk in-force. Assets under management for the wealth management business represent third-party assets under management that are not consolidated in the company’s financial statements. Insurance in-force for the life, international mortgage and U.S. mortgage insurance businesses is a measure of the aggregate face value of outstanding insurance policies as of the respective reporting date. For the risk in-force in the international mortgage insurance business, the company has computed an “effective” risk in-force amount, which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor of 35% that represents the highest expected average per-claim payment for any one underwriting year over the life of the company’s businesses in Canada and Australia. Risk in-force for the U.S. mortgage insurance business is the obligation that is limited under contractual terms to the amounts less than 100% of the mortgage loan value. The company considers assets under management for the wealth management business, insurance in-force and risk in-force to be a measure of the company’s operating performance because they represent a measure of the size of the business at a specific date which will generate revenues and profits in a future period, rather than a measure of the company’s revenues or profitability during that period.
This financial supplement also includes information related to loss mitigation activities for the U.S. mortgage insurance business. The company defines loss mitigation activities as rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled presales, claims administration and other loan workouts. Estimated savings related to rescissions are the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings related to loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including presales, the estimated savings represent the difference between the full claim obligation and the actual amount paid. The company believes that this information helps to enhance the understanding of the operating performance of the U.S. mortgage insurance business as loss mitigation activities specifically impact current and future loss reserves and level of claim payments.
These operating measures enable the company to compare its operating performance across periods without regard to revenues or profitability related to policies or contracts sold in prior periods or from investments or other sources.

(1)  	U.S. Generally Accepted Accounting Principles	
 
4

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Financial Highlights
(amounts in millions, except per share data)

Balance Sheet Data	  	September 30,
2012	 	  	June 30,
2012	 	  	March 31,
2012	 	  	December 31,
2011	 	  	September 30,
2011	 	
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	  	$	11,204	  	  	$	11,164	  	  	$	11,082	  	  	$	11,021	  	  	$	10,872	  	
Total accumulated other comprehensive income	  	 	5,223	  	  	 	4,653	  	  	 	3,656	  	  	 	4,047	  	  	 	3,898	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	$	16,427	  	  	$	15,817	  	  	$	14,738	  	  	$	15,068	  	  	$	14,770	  	

Book value per common share	  	$	33.40	  	  	$	32.17	  	  	$	29.99	  	  	$	30.69	  	  	$	30.09	  	
Book value per common share, excluding accumulated other comprehensive income	  	$	22.78	  	  	$	22.71	  	  	$	22.55	  	  	$	22.45	  	  	$	22.15	  	
Common shares outstanding as of the balance sheet date	  	 	491.8	  	  	 	491.6	  	  	 	491.5	  	  	 	490.9	  	  	 	490.9	  	
		
 	  	Twelve months ended	 	
Twelve Month Rolling Average ROE	  	September 30,
2012	 	  	June 30,
2012	 	  	March 31,
2012	 	  	December 31,
2011	 	  	September 30,
2011	 	
GAAP Basis ROE	  	 	2.7%	  	  	 	2.3%	  	  	 	0.3%	  	  	 	0.4%	  	  	 	-2.8%	  	
Operating ROE (1)	  	 	3.2%	  	  	 	2.7%	  	  	 	0.9%	  	  	 	1.4%	  	  	 	-1.4%	  	
		
 	  	Three months ended	 	
Quarterly Average ROE	  	September 30,
2012	 	  	June 30,
2012	 	  	March 31,
2012	 	  	December 31,
2011	 	  	September 30,
2011	 	
GAAP Basis ROE	  	 	1.2%	  	  	 	2.7%	  	  	 	1.7%	  	  	 	5.2%	  	  	 	-0.6%	  	
Operating ROE (1)	  	 	4.3%	  	  	 	2.9%	  	  	 	1.1%	  	  	 	4.5%	  	  	 	2.3%	  	

Basic and Diluted Shares	  	Three months ended
September 30,
2012	 	  	Nine months ended
September 30,
2012	 	
Weighted-average shares used in basic earnings per common share calculations	  	 	491.7	  	  	 	491.5	  	
Potentially dilutive securities:	  				  				
Stock options, restricted stock units and stock appreciation rights	  	 	2.2	  	  	 	3.0	  	
	  	 	 	 	  	 	 	 	
Weighted-average shares used in diluted earnings per common share calculations	  	 	493.9	  	  	 	494.5	  	

(1)  	See page 77 herein for a reconciliation of GAAP Basis ROE to Operating ROE.	
 
5

Table of Contents
 Third Quarter Results
 
6

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Income (Loss)
(amounts in millions)

 	  	Three months ended
September 30,	 	 	Nine months ended
September 30,	 	
 	  	    2012    	 	 	    2011    	 	 	    2012    	 	 	    2011    	 	
REVENUES:	  				 				 				 				
Premiums	  	$	1,311	  	 	$	1,461	  	 	$	3,720	  	 	$	4,353	  	
Net investment income	  	 	825	  	 	 	842	  	 	 	2,503	  	 	 	2,553	  	
Net investment gains (losses)	  	 	9	  	 	 	(157	) 	 	 	10	  	 	 	(225	) 	
Insurance and investment product fees and other	  	 	391	  	 	 	375	  	 	 	1,252	  	 	 	1,063	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	2,536	  	 	 	2,521	  	 	 	7,485	  	 	 	7,744	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				
Benefits and other changes in policy reserves	  	 	1,363	  	 	 	1,457	  	 	 	3,977	  	 	 	4,549	  	
Interest credited	  	 	193	  	 	 	194	  	 	 	582	  	 	 	599	  	
Acquisition and operating expenses, net of deferrals	  	 	504	  	 	 	581	  	 	 	1,536	  	 	 	1,725	  	
Amortization of deferred acquisition costs and intangibles	  	 	162	  	 	 	152	  	 	 	582	  	 	 	465	  	
Goodwill impairment	  	 	89	  	 	 	—  	  	 	 	89	  	 	 	—  	  	
Interest expense	  	 	126	  	 	 	124	  	 	 	352	  	 	 	385	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	2,437	  	 	 	2,508	  	 	 	7,118	  	 	 	7,723	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	99	  	 	 	13	  	 	 	367	  	 	 	21	  	
Provision (benefit) for income taxes	  	 	29	  	 	 	(7	) 	 	 	108	  	 	 	8	  	
Effective tax rate	  	 	29.3	% 	 	 	-53.8	% 	 	 	29.4	% 	 	 	38.1	% 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	70	  	 	 	20	  	 	 	259	  	 	 	13	  	
Less: net income attributable to noncontrolling interests	  	 	36	  	 	 	36	  	 	 	102	  	 	 	106	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	$	34	  	 	$	(16	) 	 	$	157	  	 	$	(93	) 	

7

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Operating Income by Segment
(amounts in millions, except per share amounts)

 	  	Three months ended
September 30,	 	 	Nine months ended
September 30,	 	
 	  	    2012    	 	 	    2011    	 	 	    2012    	 	 	    2011    	 	
Insurance and Wealth Management Division	  				 				 				 				
U.S. Life Insurance segment:	  				 				 				 				
Life Insurance	  	$	22	  	 	$	64	  	 	$	58	  	 	$	163	  	
Long-Term Care	  	 	45	  	 	 	17	  	 	 	94	  	 	 	71	  	
Fixed Annuities	  	 	19	  	 	 	21	  	 	 	62	  	 	 	60	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	86	  	 	 	102	  	 	 	214	  	 	 	294	  	
International Protection segment	  	 	8	  	 	 	22	  	 	 	16	  	 	 	72	  	
Wealth Management segment	  	 	10	  	 	 	12	  	 	 	34	  	 	 	35	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Insurance and Wealth Management Division	  	 	104	  	 	 	136	  	 	 	264	  	 	 	401	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division	  				 				 				 				
International Mortgage Insurance segment:	  				 				 				 				
Canada	  	 	42	  	 	 	40	  	 	 	120	  	 	 	119	  	
Australia	  	 	57	  	 	 	36	  	 	 	80	  	 	 	142	  	
Other Countries	  	 	(5	) 	 	 	(8	) 	 	 	(23	) 	 	 	(16	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	94	  	 	 	68	  	 	 	177	  	 	 	245	  	
U.S. Mortgage Insurance segment	  	 	(38	) 	 	 	(79	) 	 	 	(106	) 	 	 	(417	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	56	  	 	 	(11	) 	 	 	71	  	 	 	(172	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Runoff Division	  				 				 				 				
Runoff segment	  	 	9	  	 	 	(7	) 	 	 	38	  	 	 	12	  	
Corporate and Other	  	 	(48	) 	 	 	(56	) 	 	 	(141	) 	 	 	(217	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Runoff Division	  	 	(39	) 	 	 	(63	) 	 	 	(103	) 	 	 	(205	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	 	121	  	 	 	62	  	 	 	232	  	 	 	24	  	
					
ADJUSTMENTS TO NET OPERATING INCOME:	  				 				 				 				
Net investment gains (losses), net of taxes and other adjustments (1)	  	 	(1	) 	 	 	(78	) 	 	 	(4	) 	 	 	(117	) 	
Goodwill impairment, net of taxes	  	 	(86	) 	 	 	—  	  	 	 	(86	) 	 	 	—  	  	
Gain on sale of business, net of taxes	  	 	—  	  	 	 	—  	  	 	 	15	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	34	  	 	 	(16	) 	 	 	157	  	 	 	(93	) 	
Add: net income attributable to noncontrolling interests	  	 	36	  	 	 	36	  	 	 	102	  	 	 	106	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	$	70	  	 	$	20	  	 	$	259	  	 	$	13	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Earnings (Loss) Per Share Data:	  				 				 				 				
					
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share	  				 				 				 				
Basic	  	$	0.07	  	 	$	(0.03	) 	 	$	0.32	  	 	$	(0.19	) 	
Diluted	  	$	0.07	  	 	$	(0.03	) 	 	$	0.32	  	 	$	(0.19	) 	
					
Net operating income per common share	  				 				 				 				
Basic	  	$	0.25	  	 	$	0.13	  	 	$	0.47	  	 	$	0.05	  	
Diluted	  	$	0.25	  	 	$	0.13	  	 	$	0.47	  	 	$	0.05	  	
					
Weighted-average shares outstanding	  				 				 				 				
Basic	  	 	491.7	  	 	 	490.8	  	 	 	491.5	  	 	 	490.5	  	
Diluted	  	 	493.9	  	 	 	490.8	  	 	 	494.5	  	 	 	490.5	  	

(1)  	See page 75 for details on net investment gains (losses), net of taxes and other adjustments.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Consolidated Net Income (Loss) by Quarter
(amounts in millions, except per share amounts)

 	 	2012	 	  	2011	 	
 	 	3Q	 	  	2Q	 	 	1Q	 	  	Total	 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	  				 				  				  				  				 				 				 				
Premiums	 	$	1,311	  	  	$	1,302	  	 	$	1,107	  	  	$	3,720	  	  	$	1,352	  	  	$	1,461	  	 	$	1,455	  	 	$	1,437	  	 	$	5,705	  	
Net investment income	 	 	825	  	  	 	846	  	 	 	832	  	  	 	2,503	  	  	 	827	  	  	 	842	  	 	 	881	  	 	 	830	  	 	 	3,380	  	
Net investment gains (losses)	 	 	9	  	  	 	(34	) 	 	 	35	  	  	 	10	  	  	 	5	  	  	 	(157	) 	 	 	(40	) 	 	 	(28	) 	 	 	(220	) 	
Insurance and investment product fees and other	 	 	391	  	  	 	409	  	 	 	452	  	  	 	1,252	  	  	 	440	  	  	 	375	  	 	 	359	  	 	 	329	  	 	 	1,503	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	2,536	  	  	 	2,523	  	 	 	2,426	  	  	 	7,485	  	  	 	2,624	  	  	 	2,521	  	 	 	2,655	  	 	 	2,568	  	 	 	10,368	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	  				 				  				  				  				 				 				 				
Benefits and other changes in policy reserves	 	 	1,363	  	  	 	1,382	  	 	 	1,232	  	  	 	3,977	  	  	 	1,392	  	  	 	1,457	  	 	 	1,679	  	 	 	1,413	  	 	 	5,941	  	
Interest credited	 	 	193	  	  	 	194	  	 	 	195	  	  	 	582	  	  	 	195	  	  	 	194	  	 	 	204	  	 	 	201	  	 	 	794	  	
Acquisition and operating expenses, net of deferrals	 	 	504	  	  	 	502	  	 	 	530	  	  	 	1,536	  	  	 	569	  	  	 	581	  	 	 	581	  	 	 	563	  	 	 	2,294	  	
Amortization of deferred acquisition costs and intangibles	 	 	162	  	  	 	148	  	 	 	272	  	  	 	582	  	  	 	133	  	  	 	152	  	 	 	162	  	 	 	151	  	 	 	598	  	
Goodwill impairment	 	 	89	  	  	 	—  	  	 	 	—  	  	  	 	89	  	  	 	29	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	29	  	
Interest expense	 	 	126	  	  	 	131	  	 	 	95	  	  	 	352	  	  	 	121	  	  	 	124	  	 	 	134	  	 	 	127	  	 	 	506	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	2,437	  	  	 	2,357	  	 	 	2,324	  	  	 	7,118	  	  	 	2,439	  	  	 	2,508	  	 	 	2,760	  	 	 	2,455	  	 	 	10,162	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	99	  	  	 	166	  	 	 	102	  	  	 	367	  	  	 	185	  	  	 	13	  	 	 	(105	) 	 	 	113	  	 	 	206	  	
Provision (benefit) for income taxes	 	 	29	  	  	 	57	  	 	 	22	  	  	 	108	  	  	 	10	  	  	 	(7	) 	 	 	(5	) 	 	 	20	  	 	 	18	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	70	  	  	 	109	  	 	 	80	  	  	 	259	  	  	 	175	  	  	 	20	  	 	 	(100	) 	 	 	93	  	 	 	188	  	
Less: net income attributable to noncontrolling interests	 	 	36	  	  	 	33	  	 	 	33	  	  	 	102	  	  	 	33	  	  	 	36	  	 	 	36	  	 	 	34	  	 	 	139	  	
	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH
FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	$	34	  	  	$	76	  	 	$	47	  	  	$	157	  	  	$	142	  	  	$	(16	) 	 	$	(136	) 	 	$	59	  	 	$	49	  	

Earnings (Loss) Per Share Data:	 				  				 				  				  				  				 				 				 				
										
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share	 				  				 				  				  				  				 				 				 				
Basic	 	$	0.07	  	  	$	0.16	  	 	$	0.09	  	  	$	0.32	  	  	$	0.29	  	  	$	(0.03	) 	 	$	(0.28	) 	 	$	0.12	  	 	$	0.10	  	
Diluted	 	$	0.07	  	  	$	0.16	  	 	$	0.09	  	  	$	0.32	  	  	$	0.29	  	  	$	(0.03	) 	 	$	(0.28	) 	 	$	0.12	  	 	$	0.10	  	
										
Weighted-average shares outstanding	 				  				 				  				  				  				 				 				 				
Basic	 	 	491.7	  	  	 	491.5	  	 	 	491.2	  	  	 	491.5	  	  	 	490.9	  	  	 	490.8	  	 	 	490.6	  	 	 	490.1	  	 	 	490.6	  	
Diluted	 	 	493.9	  	  	 	493.9	  	 	 	495.7	  	  	 	494.5	  	  	 	492.7	  	  	 	490.8	  	 	 	490.6	  	 	 	494.4	  	 	 	493.5	  	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Operating Income (Loss) by Segment by Quarter
(amounts in millions, except per share amounts)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Insurance and Wealth Management Division	  			 	  				 				 				 				 				 				 				 				
U.S. Life Insurance segment:	  			 	  				 				 				 				 				 				 				 				
Life Insurance	  	$	22	  	  	$	30	  	 	$	6	  	 	$	58	  	 	$	48	  	 	$	64	  	 	$	57	  	 	$	42	  	 	$	211	  	
Long-Term Care	  	 	45	  	  	 	14	  	 	 	35	  	 	 	94	  	 	 	28	  	 	 	17	  	 	 	18	  	 	 	36	  	 	 	99	  	
Fixed Annuities	  	 	19	  	  	 	20	  	 	 	23	  	 	 	62	  	 	 	18	  	 	 	21	  	 	 	25	  	 	 	14	  	 	 	78	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	86	  	  	 	64	  	 	 	64	  	 	 	214	  	 	 	94	  	 	 	102	  	 	 	100	  	 	 	92	  	 	 	388	  	
International Protection segment	  	 	8	  	  	 	3	  	 	 	5	  	 	 	16	  	 	 	19	  	 	 	22	  	 	 	25	  	 	 	25	  	 	 	91	  	
Wealth Management segment	  	 	10	  	  	 	12	  	 	 	12	  	 	 	34	  	 	 	12	  	 	 	12	  	 	 	13	  	 	 	10	  	 	 	47	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Insurance and Wealth Management Division	  	 	104	  	  	 	79	  	 	 	81	  	 	 	264	  	 	 	125	  	 	 	136	  	 	 	138	  	 	 	127	  	 	 	526	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division	  			 	  				 				 				 				 				 				 				 				
International Mortgage Insurance segment:	  			 	  				 				 				 				 				 				 				 				
Canada	  	 	42	  	  	 	41	  	 	 	37	  	 	 	120	  	 	 	40	  	 	 	40	  	 	 	28	  	 	 	51	  	 	 	159	  	
Australia	  	 	57	  	  	 	44	  	 	 	(21	) 	 	 	80	  	 	 	54	  	 	 	36	  	 	 	54	  	 	 	52	  	 	 	196	  	
Other Countries	  	 	(5	) 	  	 	(9	) 	 	 	(9	) 	 	 	(23	) 	 	 	(11	) 	 	 	(8	) 	 	 	(4	) 	 	 	(4	) 	 	 	(27	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	94	  	  	 	76	  	 	 	7	  	 	 	177	  	 	 	83	  	 	 	68	  	 	 	78	  	 	 	99	  	 	 	328	  	
U.S. Mortgage Insurance segment	  	 	(38	) 	  	 	(25	) 	 	 	(43	) 	 	 	(106	) 	 	 	(96	) 	 	 	(79	) 	 	 	(255	) 	 	 	(83	) 	 	 	(513	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	56	  	  	 	51	  	 	 	(36	) 	 	 	71	  	 	 	(13	) 	 	 	(11	) 	 	 	(177	) 	 	 	16	  	 	 	(185	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Runoff Division	  			 	  				 				 				 				 				 				 				 				
Runoff segment	  	 	9	  	  	 	(6	) 	 	 	35	  	 	 	38	  	 	 	15	  	 	 	(7	) 	 	 	18	  	 	 	1	  	 	 	27	  	
Corporate and Other	  	 	(48	) 	  	 	(44	) 	 	 	(49	) 	 	 	(141	) 	 	 	(3	) 	 	 	(56	) 	 	 	(92	) 	 	 	(69	) 	 	 	(220	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Runoff Division	  	 	(39	) 	  	 	(50	) 	 	 	(14	) 	 	 	(103	) 	 	 	12	  	 	 	(63	) 	 	 	(74	) 	 	 	(68	) 	 	 	(193	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	 	121	  	  	 	80	  	 	 	31	  	 	 	232	  	 	 	124	  	 	 	62	  	 	 	(113	) 	 	 	75	  	 	 	148	  	
	 									
ADJUSTMENTS TO NET OPERATING INCOME (LOSS):	  			 	  				 				 				 				 				 				 				 				
Net investment gains (losses), net of taxes and other adjustments	  	 	(1	) 	  	 	(19	) 	 	 	16	  	 	 	(4	) 	 	 	1	  	 	 	(78	) 	 	 	(23	) 	 	 	(16	) 	 	 	(116	) 	
Goodwill impairment, net of taxes	  	 	(86	) 	  	 	—  	  	 	 	—  	  	 	 	(86	) 	 	 	(19	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(19	) 	
Gain on sale of business, net of taxes	  	 	—  	  	  	 	15	  	 	 	—  	  	 	 	15	  	 	 	36	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	36	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	34	  	  	 	76	  	 	 	47	  	 	 	157	  	 	 	142	  	 	 	(16	) 	 	 	(136	) 	 	 	59	  	 	 	49	  	
Add: net income attributable to noncontrolling interests	  	 	36	  	  	 	33	  	 	 	33	  	 	 	102	  	 	 	33	  	 	 	36	  	 	 	36	  	 	 	34	  	 	 	139	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	$	70	  	  	$	109	  	 	$	80	  	 	$	259	  	 	$	175	  	 	$	20	  	 	$	(100	) 	 	$	93	  	 	$	188	  	

Earnings (Loss) Per Share Data:	  				  				 				 				 				 				 				 				 				
						
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share	  				  				 				 				 				
Basic	  	$	0.07	  	  	$	0.16	  	 	$	0.09	  	 	$	0.32	  	 	$	0.29	  	 	$	(0.03	) 	 	$	(0.28	) 	 	$	0.12	  	 	$	0.10	  	
Diluted	  	$	0.07	  	  	$	0.16	  	 	$	0.09	  	 	$	0.32	  	 	$	0.29	  	 	$	(0.03	) 	 	$	(0.28	) 	 	$	0.12	  	 	$	0.10	  	
										
Net operating income (loss) per common share	  				  				 				 				 				 				 				 				 				
Basic	  	$	0.25	  	  	$	0.16	  	 	$	0.06	  	 	$	0.47	  	 	$	0.25	  	 	$	0.13	  	 	$	(0.23	) 	 	$	0.15	  	 	$	0.30	  	
Diluted	  	$	0.25	  	  	$	0.16	  	 	$	0.06	  	 	$	0.47	  	 	$	0.25	  	 	$	0.13	  	 	$	(0.23	) 	 	$	0.15	  	 	$	0.30	  	
										
Weighted-average shares outstanding	  				  				 				 				 				 				 				 				 				
Basic	  	 	491.7	  	  	 	491.5	  	 	 	491.2	  	 	 	491.5	  	 	 	490.9	  	 	 	490.8	  	 	 	490.6	  	 	 	490.1	  	 	 	490.6	  	
Diluted (1)	  	 	493.9	  	  	 	493.9	  	 	 	495.7	  	 	 	494.5	  	 	 	492.7	  	 	 	490.8	  	 	 	490.6	  	 	 	494.4	  	 	 	493.5	  	

(1)  	Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the company’s net loss available to Genworth Financial, Inc.’s common stockholders for the three months ended September 30, 2011 and June 30, 2011, the inclusion of 1.7 million and 3.7 million, respectively, shares for stock options, restricted stock units and stock appreciation rights would have been antidilutive to the calculation. If the company had not incurred a net loss available to Genworth Financial, Inc.’s common stockholders for the three months ended September 30, 2011 and June 30, 2011, dilutive potential common shares would have been 492.5 million and 494.3 million, respectively. Since the company had net operating income for the three months ended September 30, 2011, the company used 492.5 million diluted weighted-average common shares outstanding in the calculation of diluted net operating income per common share.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Consolidated Balance Sheets
(amounts in millions)

   	  	September 30,
2012	 	  	June 30,
2012	 	  	March 31,
2012	 	  	December 31,
2011	 	  	September 30,
2011	 	
ASSETS	  			 	  				  				  				  				
Investments:	  			 	  				  				  				  				
Fixed maturity securities available-for-sale, at fair value	  	$	62,214	  	  	$	59,791	  	  	$	58,532	  	  	$	58,295	  	  	$	57,816	  	
Equity securities available-for-sale, at fair value	  	 	524	  	  	 	431	  	  	 	434	  	  	 	361	  	  	 	354	  	
Commercial mortgage loans	  	 	5,861	  	  	 	5,875	  	  	 	6,030	  	  	 	6,092	  	  	 	6,271	  	
Restricted commercial mortgage loans related to securitization entities	  	 	359	  	  	 	382	  	  	 	392	  	  	 	411	  	  	 	430	  	
Policy loans	  	 	1,626	  	  	 	1,619	  	  	 	1,555	  	  	 	1,549	  	  	 	1,556	  	
Other invested assets	  	 	3,916	  	  	 	4,512	  	  	 	3,001	  	  	 	4,819	  	  	 	5,626	  	
Restricted other invested assets related to securitization entities	  	 	393	  	  	 	391	  	  	 	384	  	  	 	377	  	  	 	377	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total investments	  	 	74,893	  	  	 	73,001	  	  	 	70,328	  	  	 	71,904	  	  	 	72,430	  	
Cash and cash equivalents	  	 	3,741	  	  	 	3,874	  	  	 	4,187	  	  	 	4,488	  	  	 	3,648	  	
Accrued investment income	  	 	746	  	  	 	652	  	  	 	759	  	  	 	691	  	  	 	725	  	
Deferred acquisition costs	  	 	5,020	  	  	 	5,023	  	  	 	5,060	  	  	 	5,193	  	  	 	5,225	  	
Intangible assets	  	 	488	  	  	 	519	  	  	 	573	  	  	 	580	  	  	 	629	  	
Goodwill	  	 	1,128	  	  	 	1,218	  	  	 	1,256	  	  	 	1,253	  	  	 	1,326	  	
Reinsurance recoverable	  	 	17,195	  	  	 	17,177	  	  	 	17,193	  	  	 	16,998	  	  	 	16,995	  	
Other assets	  	 	1,010	  	  	 	1,039	  	  	 	981	  	  	 	958	  	  	 	1,002	  	
Separate account assets	  	 	10,166	  	  	 	10,033	  	  	 	10,646	  	  	 	10,122	  	  	 	9,794	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total assets	  	$	114,387	  	  	$	112,536	  	  	$	110,983	  	  	$	112,187	  	  	$	111,774	  	

 
11

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Consolidated Balance Sheets
(amounts in millions)

   	  	September 30,
2012	 	  	June 30,
2012	 	 	March 31,
2012	 	 	December 31,
2011	 	 	September 30,
2011	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  			 	  				 				 				 				
Liabilities:	  			 	  				 				 				 				
Future policy benefits	  	$	33,221	  	  	$	32,825	  	 	$	32,380	  	 	$	32,175	  	 	$	31,948	  	
Policyholder account balances	  	 	26,449	  	  	 	26,160	  	 	 	26,204	  	 	 	26,345	  	 	 	26,480	  	
Liability for policy and contract claims	  	 	7,545	  	  	 	7,552	  	 	 	7,663	  	 	 	7,620	  	 	 	7,379	  	
Unearned premiums	  	 	4,291	  	  	 	4,156	  	 	 	4,209	  	 	 	4,223	  	 	 	4,176	  	
Other liabilities	  	 	6,073	  	  	 	5,790	  	 	 	5,308	  	 	 	6,308	  	 	 	6,755	  	
Borrowings related to securitization entities	  	 	353	  	  	 	375	  	 	 	383	  	 	 	396	  	 	 	414	  	
Non-recourse funding obligations	  	 	2,325	  	  	 	2,598	  	 	 	2,602	  	 	 	3,256	  	 	 	3,280	  	
Long-term borrowings	  	 	4,880	  	  	 	4,865	  	 	 	5,095	  	 	 	4,726	  	 	 	4,708	  	
Deferred tax liability	  	 	1,437	  	  	 	1,216	  	 	 	610	  	 	 	838	  	 	 	994	  	
Separate account liabilities	  	 	10,166	  	  	 	10,033	  	 	 	10,646	  	 	 	10,122	  	 	 	9,794	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	96,740	  	  	 	95,570	  	 	 	95,100	  	 	 	96,009	  	 	 	95,928	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  			 	  				 				 				 				
Common stock	  	 	1	  	  	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	
Additional paid-in capital	  	 	12,162	  	  	 	12,156	  	 	 	12,150	  	 	 	12,136	  	 	 	12,129	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  			 	  				 				 				 				
Net unrealized investment gains (losses):	  			 	  				 				 				 				
Net unrealized gains on securities not other-than-temporarily impaired	  	 	2,641	  	  	 	2,132	  	 	 	1,438	  	 	 	1,617	  	 	 	1,607	  	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	(88	) 	  	 	(116	) 	 	 	(111	) 	 	 	(132	) 	 	 	(126	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	2,553	  	  	 	2,016	  	 	 	1,327	  	 	 	1,485	  	 	 	1,481	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	2,011	  	  	 	2,087	  	 	 	1,680	  	 	 	2,009	  	 	 	1,960	  	
Foreign currency translation and other adjustments	  	 	659	  	  	 	550	  	 	 	649	  	 	 	553	  	 	 	457	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total accumulated other comprehensive income	  	 	5,223	  	  	 	4,653	  	 	 	3,656	  	 	 	4,047	  	 	 	3,898	  	
Retained earnings	  	 	1,741	  	  	 	1,707	  	 	 	1,631	  	 	 	1,584	  	 	 	1,442	  	
Treasury stock, at cost	  	 	(2,700	) 	  	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	16,427	  	  	 	15,817	  	 	 	14,738	  	 	 	15,068	  	 	 	14,770	  	
Noncontrolling interests	  	 	1,220	  	  	 	1,149	  	 	 	1,145	  	 	 	1,110	  	 	 	1,076	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	17,647	  	  	 	16,966	  	 	 	15,883	  	 	 	16,178	  	 	 	15,846	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	114,387	  	  	$	112,536	  	 	$	110,983	  	 	$	112,187	  	 	$	111,774	  	

 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Consolidated Balance Sheet by Segment
(amounts in millions)

 	 	September 30, 2012	 	
 	 	U.S. Life
Insurance	 	 	International
Protection	 	 	Wealth
Management	 	 	International
Mortgage
Insurance	 	 	U.S. Mortgage
Insurance	 	 	Runoff	 	 	Corporate  and
Other (1) 	 	 	Total	 	
ASSETS	 				 				 				 				 				 				 				 				
Cash and investments	 	$	57,518	  	 	$	1,778	  	 	$	31	  	 	$	9,849	  	 	$	2,310	  	 	$	4,147	  	 	$	3,747	  	 	$	79,380	  	
Deferred acquisition costs and intangible assets	 	 	5,336	  	 	 	261	  	 	 	373	  	 	 	239	  	 	 	18	  	 	 	369	  	 	 	40	  	 	 	6,636	  	
Reinsurance recoverable	 	 	16,115	  	 	 	26	  	 	 	—  	  	 	 	10	  	 	 	112	  	 	 	932	  	 	 	—  	  	 	 	17,195	  	
Deferred tax and other assets	 	 	530	  	 	 	155	  	 	 	56	  	 	 	135	  	 	 	51	  	 	 	56	  	 	 	27	  	 	 	1,010	  	
Separate account assets	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	10,166	  	 	 	—  	  	 	 	10,166	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total assets	 	$	79,499	  	 	$	2,220	  	 	$	460	  	 	$	10,233	  	 	$	2,491	  	 	$	15,670	  	 	$	3,814	  	 	$	114,387	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	 				 				 				 				 				 				 				 				
Liabilities:	 				 				 				 				 				 				 				 				
Future policy benefits	 	$	33,215	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	6	  	 	$	—  	  	 	$	33,221	  	
Policyholder account balances	 	 	21,458	  	 	 	17	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	4,974	  	 	 	—  	  	 	 	26,449	  	
Liability for policy and contract claims	 	 	4,751	  	 	 	107	  	 	 	—  	  	 	 	551	  	 	 	2,114	  	 	 	22	  	 	 	—  	  	 	 	7,545	  	
Unearned premiums	 	 	582	  	 	 	542	  	 	 	—  	  	 	 	3,041	  	 	 	116	  	 	 	10	  	 	 	—  	  	 	 	4,291	  	
Non-recourse funding obligations	 	 	2,500	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(175	) 	 	 	2,325	  	
Deferred tax and other liabilities	 	 	5,383	  	 	 	520	  	 	 	35	  	 	 	655	  	 	 	(821	) 	 	 	152	  	 	 	1,586	  	 	 	7,510	  	
Borrowings and capital securities	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	577	  	 	 	—  	  	 	 	8	  	 	 	4,648	  	 	 	5,233	  	
Separate account liabilities	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	10,166	  	 	 	—  	  	 	 	10,166	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	 	 	67,889	  	 	 	1,186	  	 	 	35	  	 	 	4,824	  	 	 	1,409	  	 	 	15,338	  	 	 	6,059	  	 	 	96,740	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	 				 				 				 				 				 				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	 	 	7,111	  	 	 	981	  	 	 	425	  	 	 	3,273	  	 	 	1,057	  	 	 	494	  	 	 	(2,137	) 	 	 	11,204	  	
Allocated accumulated other comprehensive income (loss)	 	 	4,499	  	 	 	53	  	 	 	—  	  	 	 	916	  	 	 	25	  	 	 	(162	) 	 	 	(108	) 	 	 	5,223	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	 	 	11,610	  	 	 	1,034	  	 	 	425	  	 	 	4,189	  	 	 	1,082	  	 	 	332	  	 	 	(2,245	) 	 	 	16,427	  	
Noncontrolling interests	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1,220	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1,220	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	 	 	11,610	  	 	 	1,034	  	 	 	425	  	 	 	5,409	  	 	 	1,082	  	 	 	332	  	 	 	(2,245	) 	 	 	17,647	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	 	$	79,499	  	 	$	2,220	  	 	$	460	  	 	$	10,233	  	 	$	2,491	  	 	$	15,670	  	 	$	3,814	  	 	$	114,387	  	

(1)  	Includes inter-segment eliminations and non-core products.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Consolidated Balance Sheet by Segment
(amounts in millions)

 	  	June 30, 2012	 	
 	  	U.S. Life
Insurance	 	  	International
Protection	 	  	Wealth
Management	 	  	International
Mortgage
Insurance	 	  	U.S. Mortgage
Insurance	 	 	Runoff	 	 	Corporate  and
Other (1) 	 	 	Total	 	
ASSETS	  				  				  				  				  				 				 				 				
Cash and investments	  	$	55,762	  	  	$	1,790	  	  	$	30	  	  	$	9,339	  	  	$	2,438	  	 	$	4,059	  	 	$	4,109	  	 	$	77,527	  	
Deferred acquisition costs and intangible assets	  	 	5,353	  	  	 	349	  	  	 	372	  	  	 	238	  	  	 	18	  	 	 	389	  	 	 	41	  	 	 	6,760	  	
Reinsurance recoverable	  	 	16,054	  	  	 	25	  	  	 	—  	  	  	 	8	  	  	 	145	  	 	 	945	  	 	 	—  	  	 	 	17,177	  	
Deferred tax and other assets	  	 	420	  	  	 	149	  	  	 	55	  	  	 	205	  	  	 	54	  	 	 	28	  	 	 	128	  	 	 	1,039	  	
Separate account assets	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	10,033	  	 	 	—  	  	 	 	10,033	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total assets	  	$	77,589	  	  	$	2,313	  	  	$	457	  	  	$	9,790	  	  	$	2,655	  	 	$	15,454	  	 	$	4,278	  	 	$	112,536	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  				  				  				  				  				 				 				 				
Liabilities:	  				  				  				  				  				 				 				 				
Future policy benefits	  	$	32,818	  	  	$	—  	  	  	$	—  	  	  	$	—  	  	  	$	—  	  	 	$	7	  	 	$	—  	  	 	$	32,825	  	
Policyholder account balances	  	 	21,181	  	  	 	17	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	4,962	  	 	 	—  	  	 	 	26,160	  	
Liability for policy and contract claims	  	 	4,596	  	  	 	115	  	  	 	—  	  	  	 	581	  	  	 	2,234	  	 	 	26	  	 	 	—  	  	 	 	7,552	  	
Unearned premiums	  	 	580	  	  	 	545	  	  	 	—  	  	  	 	2,902	  	  	 	118	  	 	 	11	  	 	 	—  	  	 	 	4,156	  	
Non-recourse funding obligations	  	 	2,628	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	(30	) 	 	 	2,598	  	
Deferred tax and other liabilities	  	 	4,926	  	  	 	510	  	  	 	33	  	  	 	595	  	  	 	(791	) 	 	 	17	  	 	 	1,716	  	 	 	7,006	  	
Borrowings and capital securities	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	561	  	  	 	—  	  	 	 	7	  	 	 	4,672	  	 	 	5,240	  	
Separate account liabilities	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	10,033	  	 	 	—  	  	 	 	10,033	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	66,729	  	  	 	1,187	  	  	 	33	  	  	 	4,639	  	  	 	1,561	  	 	 	15,063	  	 	 	6,358	  	 	 	95,570	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  				  				  				  				  				 				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	  	 	6,714	  	  	 	1,109	  	  	 	424	  	  	 	3,202	  	  	 	1,086	  	 	 	531	  	 	 	(1,902	) 	 	 	11,164	  	
Allocated accumulated other comprehensive income (loss)	  	 	4,146	  	  	 	17	  	  	 	—  	  	  	 	800	  	  	 	8	  	 	 	(140	) 	 	 	(178	) 	 	 	4,653	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	10,860	  	  	 	1,126	  	  	 	424	  	  	 	4,002	  	  	 	1,094	  	 	 	391	  	 	 	(2,080	) 	 	 	15,817	  	
Noncontrolling interests	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	1,149	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1,149	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	10,860	  	  	 	1,126	  	  	 	424	  	  	 	5,151	  	  	 	1,094	  	 	 	391	  	 	 	(2,080	) 	 	 	16,966	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	77,589	  	  	$	2,313	  	  	$	457	  	  	$	9,790	  	  	$	2,655	  	 	$	15,454	  	 	$	4,278	  	 	$	112,536	  	

(1)  	Includes inter-segment eliminations and non-core products.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Deferred Acquisition Costs Rollforward
(amounts in millions)

 	 	U.S. Life
Insurance (1) 	 	 	International
Protection	 	 	Wealth
Management	 	 	International
Mortgage
Insurance	 	 	U.S. Mortgage
Insurance	 	 	Runoff (2) 	 	 	Corporate and
Other	 	 	Total	 	
Unamortized balance as of June 30, 2012	 	$	4,611	  	 	$	237	  	 	$	—  	  	 	$	160	  	 	$	8	  	 	$	371	  	 	$	—  	  	 	$	5,387	  	
Costs deferred	 	 	112	  	 	 	20	  	 	 	—  	  	 	 	12	  	 	 	2	  	 	 	1	  	 	 	—  	  	 	 	147	  	
Amortization, net of interest accretion	 	 	(65	) 	 	 	(25	) 	 	 	—  	  	 	 	(11	) 	 	 	(1	) 	 	 	(18	) 	 	 	—  	  	 	 	(120	) 	
Impact of foreign currency translation	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	9	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Unamortized balance as of September 30, 2012	 	 	4,658	  	 	 	238	  	 	 	—  	  	 	 	164	  	 	 	9	  	 	 	354	  	 	 	—  	  	 	 	5,423	  	
Effect of accumulated net unrealized investment (gains) losses	 	 	(392	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(11	) 	 	 	—  	  	 	 	(403	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Balance as of September 30, 2012	 	$	4,266	  	 	$	238	  	 	$	—  	  	 	$	164	  	 	$	9	  	 	$	343	  	 	$	—  	  	 	$	5,020	  	

(1)  	Amortization, net of interest accretion, includes $6 million of amortization related to net investment losses for the policyholder account balances.	
(2)  	Amortization, net of interest accretion, includes $1 million of amortization related to net investment losses for the policyholder account balances.	
 
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Insurance and Wealth Management Division
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Operating Income—Insurance and Wealth Management Division
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	918	  	  	$	907	  	 	$	722	  	 	$	2,547	  	 	$	950	  	 	$	959	  	 	$	961	  	 	$	948	  	 	$	3,818	  	
Net investment income	  	 	676	  	  	 	687	  	 	 	674	  	 	 	2,037	  	 	 	666	  	 	 	675	  	 	 	701	  	 	 	669	  	 	 	2,711	  	
Net investment gains (losses)	  	 	8	  	  	 	(20	) 	 	 	(1	) 	 	 	(13	) 	 	 	(2	) 	 	 	(21	) 	 	 	(32	) 	 	 	(19	) 	 	 	(74	) 	
Insurance and investment product fees and other	  	 	304	  	  	 	314	  	 	 	377	  	 	 	995	  	 	 	292	  	 	 	307	  	 	 	290	  	 	 	261	  	 	 	1,150	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	1,906	  	  	 	1,888	  	 	 	1,772	  	 	 	5,566	  	 	 	1,906	  	 	 	1,920	  	 	 	1,920	  	 	 	1,859	  	 	 	7,605	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	1,081	  	  	 	1,079	  	 	 	827	  	 	 	2,987	  	 	 	999	  	 	 	1,001	  	 	 	977	  	 	 	947	  	 	 	3,924	  	
Interest credited	  	 	160	  	  	 	160	  	 	 	162	  	 	 	482	  	 	 	163	  	 	 	160	  	 	 	170	  	 	 	166	  	 	 	659	  	
Acquisition and operating expenses, net of deferrals	  	 	350	  	  	 	359	  	 	 	388	  	 	 	1,097	  	 	 	425	  	 	 	426	  	 	 	431	  	 	 	416	  	 	 	1,698	  	
Amortization of deferred acquisition costs and intangibles	  	 	123	  	  	 	110	  	 	 	255	  	 	 	488	  	 	 	112	  	 	 	100	  	 	 	120	  	 	 	113	  	 	 	445	  	
Goodwill impairment	  	 	89	  	  	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest expense	  	 	35	  	  	 	38	  	 	 	23	  	 	 	96	  	 	 	29	  	 	 	33	  	 	 	41	  	 	 	39	  	 	 	142	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,838	  	  	 	1,746	  	 	 	1,655	  	 	 	5,239	  	 	 	1,728	  	 	 	1,720	  	 	 	1,739	  	 	 	1,681	  	 	 	6,868	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	68	  	  	 	142	  	 	 	117	  	 	 	327	  	 	 	178	  	 	 	200	  	 	 	181	  	 	 	178	  	 	 	737	  	
Provision for income taxes	  	 	50	  	  	 	59	  	 	 	41	  	 	 	150	  	 	 	57	  	 	 	64	  	 	 	62	  	 	 	61	  	 	 	244	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	18	  	  	 	83	  	 	 	76	  	 	 	177	  	 	 	121	  	 	 	136	  	 	 	119	  	 	 	117	  	 	 	493	  	
	 									
ADJUSTMENTS TO NET INCOME:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	  	 	11	  	 	 	5	  	 	 	16	  	 	 	4	  	 	 	—  	  	 	 	19	  	 	 	10	  	 	 	33	  	
Goodwill impairment, net of taxes	  	 	86	  	  	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Gain on sale of business, net of taxes	  	 	—  	  	  	 	(15	) 	 	 	—  	  	 	 	(15	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	104	  	  	$	79	  	 	$	81	  	 	$	264	  	 	$	125	  	 	$	136	  	 	$	138	  	 	$	127	  	 	$	526	  	

Effective tax rate (operating income) (1)	  	 	33.1	% 	  	 	34.9	% 	 	 	35.4	% 	 	 	34.4	% 	 	 	31.9	% 	 	 	32.5	% 	 	 	34.1	% 	 	 	34.2	% 	 	 	33.2	% 	

(1)	The operating income (loss) effective tax rate for all pages in this financial supplement was calculated using whole dollars. As a result, the percentages shown may differ from an operating income (loss) effective tax rate calculated using the rounded numbers in this financial supplement.	
 
17

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income—Insurance and Wealth Management Division
(amounts in millions)

 	  	U.S. Life Insurance Segment	 	 	 	 	 	 	 	 	 	 	
Three months ended September 30, 2012	  	Life Insurance	 	 	Long-Term Care	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	International
Protection Segment	 	 	Wealth Management
Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 				 				 			 	
Premiums	  	$	187	  	 	$	541	  	 	$	26	  	 	$	754	  	 	$	164	  	 	$	—  	  	 	$	918	  	
Net investment income	  	 	129	  	 	 	266	  	 	 	249	  	 	 	644	  	 	 	32	  	 	 	—  	  	 	 	676	  	
Net investment gains (losses)	  	 	(2	) 	 	 	1	  	 	 	8	  	 	 	7	  	 	 	1	  	 	 	—  	  	 	 	8	  	
Insurance and investment product fees and other	  	 	219	  	 	 	1	  	 	 	1	  	 	 	221	  	 	 	1	  	 	 	82	  	 	 	304	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	533	  	 	 	809	  	 	 	284	  	 	 	1,626	  	 	 	198	  	 	 	82	  	 	 	1,906	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	313	  	 	 	625	  	 	 	113	  	 	 	1,051	  	 	 	30	  	 	 	—  	  	 	 	1,081	  	
Interest credited	  	 	66	  	 	 	—  	  	 	 	94	  	 	 	160	  	 	 	—  	  	 	 	—  	  	 	 	160	  	
Acquisition and operating expenses, net of deferrals	  	 	51	  	 	 	100	  	 	 	19	  	 	 	170	  	 	 	117	  	 	 	63	  	 	 	350	  	
Amortization of deferred acquisition costs and intangibles	  	 	49	  	 	 	19	  	 	 	26	  	 	 	94	  	 	 	27	  	 	 	2	  	 	 	123	  	
Goodwill impairment	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	89	  	
Interest expense	  	 	24	  	 	 	—  	  	 	 	—  	  	 	 	24	  	 	 	11	  	 	 	—  	  	 	 	35	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	503	  	 	 	744	  	 	 	252	  	 	 	1,499	  	 	 	274	  	 	 	65	  	 	 	1,838	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	30	  	 	 	65	  	 	 	32	  	 	 	127	  	 	 	(76	) 	 	 	17	  	 	 	68	  	
Provision for income taxes	  	 	10	  	 	 	20	  	 	 	12	  	 	 	42	  	 	 	1	  	 	 	7	  	 	 	50	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	20	  	 	 	45	  	 	 	20	  	 	 	85	  	 	 	(77	) 	 	 	10	  	 	 	18	  	
ADJUSTMENTS TO NET INCOME (LOSS):	  				 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	 	 	—  	  	 	 	(1	) 	 	 	1	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	
Goodwill impairment, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	86	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	22	  	 	$	45	  	 	$	19	  	 	$	86	  	 	$	8	  	 	$	10	  	 	$	104	  	

Effective tax rate (operating income)	  	 	32.8	% 	 	 	30.9	% 	 	 	35.4	% 	 	 	32.4	% 	 	 	32.8	% 	 	 	38.5	% 	 	 	33.1	% 	

 	  	U.S. Life Insurance Segment	 	 	 	 	 	 	 	 	 	 	
Three months ended September 30, 2011	  	Life Insurance	 	 	Long-Term Care	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	International
Protection Segment	 	 	Wealth Management
Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 				 				 			 	
Premiums	  	$	215	  	 	$	513	  	 	$	22	  	 	$	750	  	 	$	209	  	 	$	—  	  	 	$	959	  	
Net investment income	  	 	132	  	 	 	244	  	 	 	261	  	 	 	637	  	 	 	38	  	 	 	—  	  	 	 	675	  	
Net investment gains (losses)	  	 	(4	) 	 	 	27	  	 	 	(42	) 	 	 	(19	) 	 	 	(2	) 	 	 	—  	  	 	 	(21	) 	
Insurance and investment product fees and other	  	 	189	  	 	 	1	  	 	 	2	  	 	 	192	  	 	 	—  	  	 	 	115	  	 	 	307	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	532	  	 	 	785	  	 	 	243	  	 	 	1,560	  	 	 	245	  	 	 	115	  	 	 	1,920	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	258	  	 	 	605	  	 	 	101	  	 	 	964	  	 	 	37	  	 	 	—  	  	 	 	1,001	  	
Interest credited	  	 	59	  	 	 	—  	  	 	 	101	  	 	 	160	  	 	 	—  	  	 	 	—  	  	 	 	160	  	
Acquisition and operating expenses, net of deferrals	  	 	62	  	 	 	110	  	 	 	16	  	 	 	188	  	 	 	143	  	 	 	95	  	 	 	426	  	
Amortization of deferred acquisition costs and intangibles	  	 	34	  	 	 	19	  	 	 	14	  	 	 	67	  	 	 	32	  	 	 	1	  	 	 	100	  	
Interest expense	  	 	26	  	 	 	1	  	 	 	—  	  	 	 	27	  	 	 	6	  	 	 	—  	  	 	 	33	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	439	  	 	 	735	  	 	 	232	  	 	 	1,406	  	 	 	218	  	 	 	96	  	 	 	1,720	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	93	  	 	 	50	  	 	 	11	  	 	 	154	  	 	 	27	  	 	 	19	  	 	 	200	  	
Provision for income taxes	  	 	31	  	 	 	15	  	 	 	4	  	 	 	50	  	 	 	7	  	 	 	7	  	 	 	64	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	62	  	 	 	35	  	 	 	7	  	 	 	104	  	 	 	20	  	 	 	12	  	 	 	136	  	
ADJUSTMENT TO NET INCOME:	  				 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	 	 	(18	) 	 	 	14	  	 	 	(2	) 	 	 	2	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	64	  	 	$	17	  	 	$	21	  	 	$	102	  	 	$	22	  	 	$	12	  	 	$	136	  	

Effective tax rate (operating income)	  	 	33.1	% 	 	 	22.3	% 	 	 	36.9	% 	 	 	32.3	% 	 	 	28.7	% 	 	 	38.9	% 	 	 	32.5	% 	
 
18

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income—Insurance and Wealth Management Division
(amounts in millions)

 	 	U.S. Life Insurance Segment	 	 	 	 	 	 	 	 	 	 	
Nine months ended September 30, 2012	 	Life Insurance	 	 	Long-Term Care	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	International
Protection Segment	 	 	Wealth Management
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 				 			 	
Premiums	 	$	365	  	 	$	1,591	  	 	$	74	  	 	$	2,030	  	 	$	517	  	 	$	—  	  	 	$	2,547	  	
Net investment income	 	 	388	  	 	 	787	  	 	 	758	  	 	 	1,933	  	 	 	104	  	 	 	—  	  	 	 	2,037	  	
Net investment gains (losses)	 	 	(16	) 	 	 	(1	) 	 	 	1	  	 	 	(16	) 	 	 	3	  	 	 	—  	  	 	 	(13	) 	
Insurance and investment product fees and other	 	 	667	  	 	 	4	  	 	 	5	  	 	 	676	  	 	 	3	  	 	 	316	  	 	 	995	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	1,404	  	 	 	2,381	  	 	 	838	  	 	 	4,623	  	 	 	627	  	 	 	316	  	 	 	5,566	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	659	  	 	 	1,880	  	 	 	336	  	 	 	2,875	  	 	 	112	  	 	 	—  	  	 	 	2,987	  	
Interest credited	 	 	196	  	 	 	—  	  	 	 	286	  	 	 	482	  	 	 	—  	  	 	 	—  	  	 	 	482	  	
Acquisition and operating expenses, net of deferrals	 	 	161	  	 	 	294	  	 	 	53	  	 	 	508	  	 	 	370	  	 	 	219	  	 	 	1,097	  	
Amortization of deferred acquisition costs and intangibles	 	 	258	  	 	 	65	  	 	 	76	  	 	 	399	  	 	 	85	  	 	 	4	  	 	 	488	  	
Goodwill impairment	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	89	  	
Interest expense	 	 	59	  	 	 	1	  	 	 	—  	  	 	 	60	  	 	 	36	  	 	 	—  	  	 	 	96	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	1,333	  	 	 	2,240	  	 	 	751	  	 	 	4,324	  	 	 	692	  	 	 	223	  	 	 	5,239	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	71	  	 	 	141	  	 	 	87	  	 	 	299	  	 	 	(65	) 	 	 	93	  	 	 	327	  	
Provision for income taxes	 	 	24	  	 	 	48	  	 	 	31	  	 	 	103	  	 	 	3	  	 	 	44	  	 	 	150	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	47	  	 	 	93	  	 	 	56	  	 	 	196	  	 	 	(68	) 	 	 	49	  	 	 	177	  	
ADJUSTMENTS TO NET INCOME (LOSS):	 				 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	11	  	 	 	1	  	 	 	6	  	 	 	18	  	 	 	(2	) 	 	 	—  	  	 	 	16	  	
Goodwill impairment, net of taxes	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	86	  	
Gain on sale of business, net of taxes	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(15	) 	 	 	(15	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 	$	58	  	 	$	94	  	 	$	62	  	 	$	214	  	 	$	16	  	 	$	34	  	 	$	264	  	

Effective tax rate (operating income)	 	 	34.0	% 	 	 	34.3	% 	 	 	35.4	% 	 	 	34.5	% 	 	 	24.0	% 	 	 	37.2	% 	 	 	34.4	% 	

 	 	U.S. Life Insurance Segment	 	 	 	 	 	 	 	 	 	 	
Nine months ended September 30, 2011	 	Life Insurance	 	 	Long-Term Care	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	International
Protection Segment	 	 	Wealth Management
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 				 			 	
Premiums	 	$	659	  	 	$	1,500	  	 	$	62	  	 	$	2,221	  	 	$	647	  	 	$	—  	  	 	$	2,868	  	
Net investment income	 	 	403	  	 	 	713	  	 	 	790	  	 	 	1,906	  	 	 	139	  	 	 	—  	  	 	 	2,045	  	
Net investment gains (losses)	 	 	(19	) 	 	 	11	  	 	 	(65	) 	 	 	(73	) 	 	 	1	  	 	 	—  	  	 	 	(72	) 	
Insurance and investment product fees and other	 	 	502	  	 	 	3	  	 	 	5	  	 	 	510	  	 	 	9	  	 	 	339	  	 	 	858	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	1,545	  	 	 	2,227	  	 	 	792	  	 	 	4,564	  	 	 	796	  	 	 	339	  	 	 	5,699	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	774	  	 	 	1,731	  	 	 	316	  	 	 	2,821	  	 	 	104	  	 	 	—  	  	 	 	2,925	  	
Interest credited	 	 	191	  	 	 	—  	  	 	 	305	  	 	 	496	  	 	 	—  	  	 	 	—  	  	 	 	496	  	
Acquisition and operating expenses, net of deferrals	 	 	168	  	 	 	319	  	 	 	56	  	 	 	543	  	 	 	451	  	 	 	279	  	 	 	1,273	  	
Amortization of deferred acquisition costs and intangibles	 	 	103	  	 	 	58	  	 	 	59	  	 	 	220	  	 	 	110	  	 	 	3	  	 	 	333	  	
Interest expense	 	 	77	  	 	 	1	  	 	 	—  	  	 	 	78	  	 	 	35	  	 	 	—  	  	 	 	113	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	1,313	  	 	 	2,109	  	 	 	736	  	 	 	4,158	  	 	 	700	  	 	 	282	  	 	 	5,140	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	 	 	232	  	 	 	118	  	 	 	56	  	 	 	406	  	 	 	96	  	 	 	57	  	 	 	559	  	
Provision for income taxes	 	 	81	  	 	 	40	  	 	 	20	  	 	 	141	  	 	 	24	  	 	 	22	  	 	 	187	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	 	 	151	  	 	 	78	  	 	 	36	  	 	 	265	  	 	 	72	  	 	 	35	  	 	 	372	  	
ADJUSTMENT TO NET INCOME:	 				 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	12	  	 	 	(7	) 	 	 	24	  	 	 	29	  	 	 	—  	  	 	 	—  	  	 	 	29	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 	$	163	  	 	$	71	  	 	$	60	  	 	$	294	  	 	$	72	  	 	$	35	  	 	$	401	  	

Effective tax rate (operating income)	 	 	35.0	% 	 	 	33.6	% 	 	 	35.0	% 	 	 	34.7	% 	 	 	25.2	% 	 	 	39.1	% 	 	 	33.6	% 	
 
19

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U.S. Life Insurance Segment
 
20

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income—U.S. Life Insurance Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	754	  	 	$	733	  	 	$	543	  	 	$	2,030	  	 	$	758	  	 	$	750	  	 	$	738	  	 	$	733	  	 	$	2,979	  	
Net investment income	  	 	644	  	 	 	651	  	 	 	638	  	 	 	1,933	  	 	 	632	  	 	 	637	  	 	 	648	  	 	 	621	  	 	 	2,538	  	
Net investment gains (losses)	  	 	7	  	 	 	(21	) 	 	 	(2	) 	 	 	(16	) 	 	 	—  	  	 	 	(19	) 	 	 	(33	) 	 	 	(21	) 	 	 	(73	) 	
Insurance and investment product fees and other	  	 	221	  	 	 	192	  	 	 	263	  	 	 	676	  	 	 	176	  	 	 	192	  	 	 	172	  	 	 	146	  	 	 	686	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	1,626	  	 	 	1,555	  	 	 	1,442	  	 	 	4,623	  	 	 	1,566	  	 	 	1,560	  	 	 	1,525	  	 	 	1,479	  	 	 	6,130	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	1,051	  	 	 	1,038	  	 	 	786	  	 	 	2,875	  	 	 	968	  	 	 	964	  	 	 	942	  	 	 	915	  	 	 	3,789	  	
Interest credited	  	 	160	  	 	 	160	  	 	 	162	  	 	 	482	  	 	 	163	  	 	 	160	  	 	 	170	  	 	 	166	  	 	 	659	  	
Acquisition and operating expenses, net of deferrals	  	 	170	  	 	 	169	  	 	 	169	  	 	 	508	  	 	 	193	  	 	 	188	  	 	 	183	  	 	 	172	  	 	 	736	  	
Amortization of deferred acquisition costs and intangibles	  	 	94	  	 	 	82	  	 	 	223	  	 	 	399	  	 	 	77	  	 	 	67	  	 	 	77	  	 	 	76	  	 	 	297	  	
Interest expense	  	 	24	  	 	 	24	  	 	 	12	  	 	 	60	  	 	 	26	  	 	 	27	  	 	 	25	  	 	 	26	  	 	 	104	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,499	  	 	 	1,473	  	 	 	1,352	  	 	 	4,324	  	 	 	1,427	  	 	 	1,406	  	 	 	1,397	  	 	 	1,355	  	 	 	5,585	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	127	  	 	 	82	  	 	 	90	  	 	 	299	  	 	 	139	  	 	 	154	  	 	 	128	  	 	 	124	  	 	 	545	  	
Provision for income taxes	  	 	42	  	 	 	29	  	 	 	32	  	 	 	103	  	 	 	48	  	 	 	50	  	 	 	47	  	 	 	44	  	 	 	189	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	85	  	 	 	53	  	 	 	58	  	 	 	196	  	 	 	91	  	 	 	104	  	 	 	81	  	 	 	80	  	 	 	356	  	
	 									
ADJUSTMENT TO NET INCOME:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	1	  	 	 	11	  	 	 	6	  	 	 	18	  	 	 	3	  	 	 	(2	) 	 	 	19	  	 	 	12	  	 	 	32	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	86	  	 	$	64	  	 	$	64	  	 	$	214	  	 	$	94	  	 	$	102	  	 	$	100	  	 	$	92	  	 	$	388	  	

Effective tax rate (operating income)	  	 	32.4	% 	 	 	36.1	% 	 	 	35.6	% 	 	 	34.5	% 	 	 	34.9	% 	 	 	32.3	% 	 	 	36.5	% 	 	 	35.2	% 	 	 	34.7	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Life Insurance
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	 
3Q (1) 	 	  	 
2Q	 	 	 
1Q (2) 	 	 	 
Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	187	  	  	$	189	  	 	$	(11	) 	 	$	365	  	 	$	205	  	 	$	215	  	 	$	222	  	 	$	222	  	 	$	864	  	
Net investment income	  	 	129	  	  	 	130	  	 	 	129	  	 	 	388	  	 	 	131	  	 	 	132	  	 	 	141	  	 	 	130	  	 	 	534	  	
Net investment gains (losses)	  	 	(2	) 	  	 	(9	) 	 	 	(5	) 	 	 	(16	) 	 	 	(13	) 	 	 	(4	) 	 	 	(15	) 	 	 	—  	  	 	 	(32	) 	
Insurance and investment product fees and other	  	 	219	  	  	 	188	  	 	 	260	  	 	 	667	  	 	 	174	  	 	 	189	  	 	 	170	  	 	 	143	  	 	 	676	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	533	  	  	 	498	  	 	 	373	  	 	 	1,404	  	 	 	497	  	 	 	532	  	 	 	518	  	 	 	495	  	 	 	2,042	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	313	  	  	 	281	  	 	 	65	  	 	 	659	  	 	 	260	  	 	 	258	  	 	 	254	  	 	 	262	  	 	 	1,034	  	
Interest credited	  	 	66	  	  	 	65	  	 	 	65	  	 	 	196	  	 	 	64	  	 	 	59	  	 	 	69	  	 	 	63	  	 	 	255	  	
Acquisition and operating expenses, net of deferrals	  	 	51	  	  	 	55	  	 	 	55	  	 	 	161	  	 	 	55	  	 	 	62	  	 	 	60	  	 	 	46	  	 	 	223	  	
Amortization of deferred acquisition costs and intangibles	  	 	49	  	  	 	37	  	 	 	172	  	 	 	258	  	 	 	29	  	 	 	34	  	 	 	36	  	 	 	33	  	 	 	132	  	
Interest expense	  	 	24	  	  	 	23	  	 	 	12	  	 	 	59	  	 	 	26	  	 	 	26	  	 	 	25	  	 	 	26	  	 	 	103	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	503	  	  	 	461	  	 	 	369	  	 	 	1,333	  	 	 	434	  	 	 	439	  	 	 	444	  	 	 	430	  	 	 	1,747	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	30	  	  	 	37	  	 	 	4	  	 	 	71	  	 	 	63	  	 	 	93	  	 	 	74	  	 	 	65	  	 	 	295	  	
Provision for income taxes	  	 	10	  	  	 	13	  	 	 	1	  	 	 	24	  	 	 	24	  	 	 	31	  	 	 	27	  	 	 	23	  	 	 	105	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	20	  	  	 	24	  	 	 	3	  	 	 	47	  	 	 	39	  	 	 	62	  	 	 	47	  	 	 	42	  	 	 	190	  	
	 									
ADJUSTMENT TO NET INCOME:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	  	 	6	  	 	 	3	  	 	 	11	  	 	 	9	  	 	 	2	  	 	 	10	  	 	 	—  	  	 	 	21	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	22	  	  	$	30	  	 	$	6	  	 	$	58	  	 	$	48	  	 	$	64	  	 	$	57	  	 	$	42	  	 	$	211	  	

Effective tax rate (operating income)	  	 	32.8	% 	  	 	35.7	% 	 	 	30.3	% 	 	 	34.0	% 	 	 	37.8	% 	 	 	33.1	% 	 	 	37.0	% 	 	 	35.0	% 	 	 	35.6	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
Sales by Product:	  				  				 				 				 				 				 				 				 				
Term Life	  	$	1	  	  	$	—  	  	 	$	—  	  	 	$	1	  	 	$	—  	  	 	$	1	  	 	$	—  	  	 	$	—  	  	 	$	1	  	
Term Universal Life	  	 	19	  	  	 	32	  	 	 	31	  	 	 	82	  	 	 	31	  	 	 	33	  	 	 	35	  	 	 	30	  	 	 	129	  	
Universal Life	  	 	15	  	  	 	19	  	 	 	16	  	 	 	50	  	 	 	16	  	 	 	14	  	 	 	13	  	 	 	15	  	 	 	58	  	
Linked-Benefits	  	 	3	  	  	 	3	  	 	 	3	  	 	 	9	  	 	 	2	  	 	 	2	  	 	 	3	  	 	 	2	  	 	 	9	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	38	  	  	$	54	  	 	$	50	  	 	$	142	  	 	$	49	  	 	$	50	  	 	$	51	  	 	$	47	  	 	$	197	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Sales by Distribution Channel:	  			 	  				 				 				 				 				 				 				 				
Financial Intermediaries	  	$	2	  	  	$	1	  	 	$	2	  	 	$	5	  	 	$	1	  	 	$	2	  	 	$	1	  	 	$	2	  	 	$	6	  	
Independent Producers	  	 	35	  	  	 	52	  	 	 	48	  	 	 	135	  	 	 	47	  	 	 	48	  	 	 	49	  	 	 	45	  	 	 	189	  	
Dedicated Sales Specialist	  	 	1	  	  	 	1	  	 	 	—  	  	 	 	2	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	38	  	  	$	54	  	 	$	50	  	 	$	142	  	 	$	49	  	 	$	50	  	 	$	51	  	 	$	47	  	 	$	197	  	

 

(1)  	In the third quarter of 2012, as part of a life block transaction, the company repurchased $270 million of non-recourse funding obligations resulting in a U.S. GAAP after-tax gain of approximately $21 million. The company also recorded higher after-tax DAC amortization of approximately $25 million reflecting loss recognition associated with a third-party reinsurance treaty plus additional expenses. The combined transactions resulted in a U.S. GAAP after-tax loss of $6 million.	
(2)  	In January 2012, as part of a life block transaction, the company repurchased $475 million of non-recourse funding obligations resulting in a U.S. GAAP after-tax gain of approximately $52 million and then ceded certain term life insurance policies to a third-party reinsurer resulting in a U.S. GAAP after-tax loss, net of deferred acquisition costs (DAC), of $93 million. The combined transactions resulted in a U.S. GAAP after-tax loss of approximately $41 million.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Life Insurance In-Force
(amounts in millions)

 	  	2012	 	  	2011	 	
 	  	3Q	 	  	2Q	 	  	1Q	 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	
Term and Whole Life Insurance	  			 	  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	382,735	  	  	$	387,333	  	  	$	391,870	  	  	$	439,743	  	  	$	444,861	  	  	$	449,806	  	  	$	454,704	  	
Life insurance in-force before reinsurance	  	$	546,829	  	  	$	554,019	  	  	$	561,186	  	  	$	568,261	  	  	$	575,689	  	  	$	583,007	  	  	$	590,569	  	
	 							
Term Universal Life Insurance	  			 	  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	133,846	  	  	$	119,687	  	  	$	112,906	  	  	$	99,753	  	  	$	87,238	  	  	$	73,569	  	  	$	58,371	  	
Life insurance in-force before reinsurance	  	$	134,921	  	  	$	127,640	  	  	$	113,737	  	  	$	100,476	  	  	$	87,896	  	  	$	74,107	  	  	$	58,811	  	
	 							
Universal Life Insurance	  			 	  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	43,523	  	  	$	43,232	  	  	$	42,734	  	  	$	42,363	  	  	$	42,015	  	  	$	41,737	  	  	$	41,543	  	
Life insurance in-force before reinsurance	  	$	50,364	  	  	$	50,083	  	  	$	49,527	  	  	$	49,204	  	  	$	48,199	  	  	$	47,990	  	  	$	47,831	  	
	 							
Total Life Insurance	  			 	  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	560,104	  	  	$	550,252	  	  	$	547,510	  	  	$	581,859	  	  	$	574,114	  	  	$	565,112	  	  	$	554,618	  	
Life insurance in-force before reinsurance	  	$	732,114	  	  	$	731,742	  	  	$	724,450	  	  	$	717,941	  	  	$	711,784	  	  	$	705,104	  	  	$	697,211	  	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Long-Term Care
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	541	  	  	$	529	  	 	$	521	  	 	$	1,591	  	 	$	520	  	 	$	513	  	 	$	496	  	 	$	491	  	 	$	2,020	  	
Net investment income	  	 	266	  	  	 	266	  	 	 	255	  	 	 	787	  	 	 	246	  	 	 	244	  	 	 	240	  	 	 	229	  	 	 	959	  	
Net investment gains (losses)	  	 	1	  	  	 	—  	  	 	 	(2	) 	 	 	(1	) 	 	 	8	  	 	 	27	  	 	 	(8	) 	 	 	(8	) 	 	 	19	  	
Insurance and investment product fees and other	  	 	1	  	  	 	2	  	 	 	1	  	 	 	4	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	4	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	809	  	  	 	797	  	 	 	775	  	 	 	2,381	  	 	 	775	  	 	 	785	  	 	 	729	  	 	 	713	  	 	 	3,002	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	625	  	  	 	654	  	 	 	601	  	 	 	1,880	  	 	 	593	  	 	 	605	  	 	 	583	  	 	 	543	  	 	 	2,324	  	
Interest credited	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	  	 	100	  	  	 	96	  	 	 	98	  	 	 	294	  	 	 	113	  	 	 	110	  	 	 	105	  	 	 	104	  	 	 	432	  	
Amortization of deferred acquisition costs and intangibles	  	 	19	  	  	 	24	  	 	 	22	  	 	 	65	  	 	 	22	  	 	 	19	  	 	 	19	  	 	 	20	  	 	 	80	  	
Interest expense	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	744	  	  	 	775	  	 	 	721	  	 	 	2,240	  	 	 	728	  	 	 	735	  	 	 	707	  	 	 	667	  	 	 	2,837	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	65	  	  	 	22	  	 	 	54	  	 	 	141	  	 	 	47	  	 	 	50	  	 	 	22	  	 	 	46	  	 	 	165	  	
Provision for income taxes	  	 	20	  	  	 	8	  	 	 	20	  	 	 	48	  	 	 	14	  	 	 	15	  	 	 	9	  	 	 	16	  	 	 	54	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	45	  	  	 	14	  	 	 	34	  	 	 	93	  	 	 	33	  	 	 	35	  	 	 	13	  	 	 	30	  	 	 	111	  	
ADJUSTMENT TO NET INCOME:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	  	 	—  	  	 	 	1	  	 	 	1	  	 	 	(5	) 	 	 	(18	) 	 	 	5	  	 	 	6	  	 	 	(12	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	45	  	  	$	14	  	 	$	35	  	 	$	94	  	 	$	28	  	 	$	17	  	 	$	18	  	 	$	36	  	 	$	99	  	

Effective tax rate (operating income)	  	 	30.9	% 	  	 	38.4	% 	 	 	36.5	% 	 	 	34.3	% 	 	 	29.1	% 	 	 	22.3	% 	 	 	39.2	% 	 	 	35.2	% 	 	 	32.4	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
Sales by Distribution Channel:	  				  				 				 				 				 				 				 				 				
Financial Intermediaries	  	$	5	  	  	$	5	  	 	$	5	  	 	$	15	  	 	$	6	  	 	$	6	  	 	$	5	  	 	$	5	  	 	$	22	  	
Independent Producers	  	 	46	  	  	 	35	  	 	 	28	  	 	 	109	  	 	 	35	  	 	 	34	  	 	 	31	  	 	 	29	  	 	 	129	  	
Dedicated Sales Specialist	  	 	12	  	  	 	13	  	 	 	12	  	 	 	37	  	 	 	15	  	 	 	14	  	 	 	14	  	 	 	12	  	 	 	55	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Individual Long-Term Care	  	 	63	  	  	 	53	  	 	 	45	  	 	 	161	  	 	 	56	  	 	 	54	  	 	 	50	  	 	 	46	  	 	 	206	  	
Group Long-Term Care	  	 	6	  	  	 	7	  	 	 	3	  	 	 	16	  	 	 	9	  	 	 	—  	  	 	 	2	  	 	 	2	  	 	 	13	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	69	  	  	$	60	  	 	$	48	  	 	$	177	  	 	$	65	  	 	$	54	  	 	$	52	  	 	$	48	  	 	$	219	  	

RATIOS:	  				  				 				 				 				 				 				 				 				
Loss Ratio (1)	  	 	65.8	% 	  	 	74.2	% 	 	 	66.4	% 	 	 	68.8	% 	 	 	67.1	% 	 	 	71.4	% 	 	 	70.4	% 	 	 	64.5	% 	 	 	68.4	% 	
Gross Benefits Ratio (2)	  	 	115.0	% 	  	 	124.1	% 	 	 	115.1	% 	 	 	118.1	% 	 	 	114.1	% 	 	 	118.0	% 	 	 	117.3	% 	 	 	110.6	% 	 	 	115.0	% 	

(1)  	The loss ratio was calculated by dividing benefits and other changes in policy reserves less tabular interest on reserves less loss adjustment expenses by net earned premiums.	
(2)  	The gross benefits ratio was calculated by dividing the benefits and other changes in policy reserves by net earned premiums.	
 
24

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Fixed Annuities
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	26	  	 	$	15	  	 	$	33	  	 	$	74	  	 	$	33	  	 	$	22	  	 	$	20	  	 	$	20	  	 	$	95	  	
Net investment income	  	 	249	  	 	 	255	  	 	 	254	  	 	 	758	  	 	 	255	  	 	 	261	  	 	 	267	  	 	 	262	  	 	 	1,045	  	
Net investment gains (losses)	  	 	8	  	 	 	(12	) 	 	 	5	  	 	 	1	  	 	 	5	  	 	 	(42	) 	 	 	(10	) 	 	 	(13	) 	 	 	(60	) 	
Insurance and investment product fees and other	  	 	1	  	 	 	2	  	 	 	2	  	 	 	5	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	2	  	 	 	6	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	284	  	 	 	260	  	 	 	294	  	 	 	838	  	 	 	294	  	 	 	243	  	 	 	278	  	 	 	271	  	 	 	1,086	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	113	  	 	 	103	  	 	 	120	  	 	 	336	  	 	 	115	  	 	 	101	  	 	 	105	  	 	 	110	  	 	 	431	  	
Interest credited	  	 	94	  	 	 	95	  	 	 	97	  	 	 	286	  	 	 	99	  	 	 	101	  	 	 	101	  	 	 	103	  	 	 	404	  	
Acquisition and operating expenses, net of deferrals	  	 	19	  	 	 	18	  	 	 	16	  	 	 	53	  	 	 	25	  	 	 	16	  	 	 	18	  	 	 	22	  	 	 	81	  	
Amortization of deferred acquisition costs and intangibles	  	 	26	  	 	 	21	  	 	 	29	  	 	 	76	  	 	 	26	  	 	 	14	  	 	 	22	  	 	 	23	  	 	 	85	  	
Interest expense	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	252	  	 	 	237	  	 	 	262	  	 	 	751	  	 	 	265	  	 	 	232	  	 	 	246	  	 	 	258	  	 	 	1,001	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	32	  	 	 	23	  	 	 	32	  	 	 	87	  	 	 	29	  	 	 	11	  	 	 	32	  	 	 	13	  	 	 	85	  	
Provision for income taxes	  	 	12	  	 	 	8	  	 	 	11	  	 	 	31	  	 	 	10	  	 	 	4	  	 	 	11	  	 	 	5	  	 	 	30	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	20	  	 	 	15	  	 	 	21	  	 	 	56	  	 	 	19	  	 	 	7	  	 	 	21	  	 	 	8	  	 	 	55	  	
ADJUSTMENT TO NET INCOME:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	 	 	5	  	 	 	2	  	 	 	6	  	 	 	(1	) 	 	 	14	  	 	 	4	  	 	 	6	  	 	 	23	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	19	  	 	$	20	  	 	$	23	  	 	$	62	  	 	$	18	  	 	$	21	  	 	$	25	  	 	$	14	  	 	$	78	  	

Effective tax rate (operating income)	  	 	35.4	% 	 	 	35.3	% 	 	 	35.6	% 	 	 	35.4	% 	 	 	35.0	% 	 	 	36.9	% 	 	 	33.1	% 	 	 	35.6	% 	 	 	35.0	% 	
										
SALES:	  				 				 				 				 				 				 				 				 				
Sales by Product:	  				 				 				 				 				 				 				 				 				
Single Premium Immediate Annuities	  	$	63	  	 	$	51	  	 	$	74	  	 	$	188	  	 	$	70	  	 	$	49	  	 	$	52	  	 	$	57	  	 	$	228	  	
Single Premium Deferred Annuities	  	 	424	  	 	 	285	  	 	 	262	  	 	 	971	  	 	 	293	  	 	 	446	  	 	 	272	  	 	 	109	  	 	 	1,120	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	487	  	 	$	336	  	 	$	336	  	 	$	1,159	  	 	$	363	  	 	$	495	  	 	$	324	  	 	$	166	  	 	$	1,348	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Sales by Distribution Channel:	  			 	 				 				 				 				 				 				 				 				
Financial Intermediaries	  	$	336	  	 	$	242	  	 	$	216	  	 	$	794	  	 	$	233	  	 	$	411	  	 	$	243	  	 	$	108	  	 	$	995	  	
Independent Producers	  	 	145	  	 	 	90	  	 	 	116	  	 	 	351	  	 	 	127	  	 	 	82	  	 	 	79	  	 	 	55	  	 	 	343	  	
Dedicated Sales Specialists	  	 	6	  	 	 	4	  	 	 	4	  	 	 	14	  	 	 	3	  	 	 	2	  	 	 	2	  	 	 	3	  	 	 	10	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	487	  	 	$	336	  	 	$	336	  	 	$	1,159	  	 	$	363	  	 	$	495	  	 	$	324	  	 	$	166	  	 	$	1,348	  	

 
25

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Operating Performance Measures—U.S. Life Insurance Segment—Fixed Annuities
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Single Premium Deferred Annuities	  			 	  				 				 				 				 				 				 				 				
Account value, beginning of the period	  	$	10,904	  	  	$	10,849	  	 	$	10,831	  	 	$	10,831	  	 	$	10,775	  	 	$	10,582	  	 	$	10,660	  	 	$	10,819	  	 	$	10,819	  	
Deposits	  	 	427	  	  	 	286	  	 	 	264	  	 	 	977	  	 	 	295	  	 	 	450	  	 	 	275	  	 	 	120	  	 	 	1,140	  	
Surrenders, benefits and product charges	  	 	(310	) 	  	 	(314	) 	 	 	(330	) 	 	 	(954	) 	 	 	(325	) 	 	 	(345	) 	 	 	(441	) 	 	 	(368	) 	 	 	(1,479	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	117	  	  	 	(28	) 	 	 	(66	) 	 	 	23	  	 	 	(30	) 	 	 	105	  	 	 	(166	) 	 	 	(248	) 	 	 	(339	) 	
Interest credited	  	 	83	  	  	 	83	  	 	 	84	  	 	 	250	  	 	 	86	  	 	 	88	  	 	 	88	  	 	 	89	  	 	 	351	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	11,104	  	  	 	10,904	  	 	 	10,849	  	 	 	11,104	  	 	 	10,831	  	 	 	10,775	  	 	 	10,582	  	 	 	10,660	  	 	 	10,831	  	

Single Premium Immediate Annuities	  			 	  				 				 				 				 				 				 				 				
Account value, beginning of the period	  	 	6,427	  	  	 	6,404	  	 	 	6,433	  	 	 	6,433	  	 	 	6,482	  	 	 	6,384	  	 	 	6,411	  	 	 	6,528	  	 	 	6,528	  	
Premiums and deposits	  	 	90	  	  	 	81	  	 	 	106	  	 	 	277	  	 	 	96	  	 	 	77	  	 	 	85	  	 	 	85	  	 	 	343	  	
Surrenders, benefits and product charges	  	 	(222	) 	  	 	(235	) 	 	 	(237	) 	 	 	(694	) 	 	 	(250	) 	 	 	(245	) 	 	 	(253	) 	 	 	(256	) 	 	 	(1,004	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(132	) 	  	 	(154	) 	 	 	(131	) 	 	 	(417	) 	 	 	(154	) 	 	 	(168	) 	 	 	(168	) 	 	 	(171	) 	 	 	(661	) 	
Interest credited	  	 	75	  	  	 	77	  	 	 	78	  	 	 	230	  	 	 	79	  	 	 	80	  	 	 	82	  	 	 	83	  	 	 	324	  	
Effect of accumulated net unrealized investment gains (losses)	  	 	99	  	  	 	100	  	 	 	24	  	 	 	223	  	 	 	26	  	 	 	186	  	 	 	59	  	 	 	(29	) 	 	 	242	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	6,469	  	  	 	6,427	  	 	 	6,404	  	 	 	6,469	  	 	 	6,433	  	 	 	6,482	  	 	 	6,384	  	 	 	6,411	  	 	 	6,433	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Structured Settlements	  			 	  				 				 				 				 				 				 				 				
Account value, net of reinsurance, beginning of the period	  	 	1,106	  	  	 	1,107	  	 	 	1,107	  	 	 	1,107	  	 	 	1,109	  	 	 	1,113	  	 	 	1,113	  	 	 	1,113	  	 	 	1,113	  	
Surrenders, benefits and product charges	  	 	(17	) 	  	 	(16	) 	 	 	(14	) 	 	 	(47	) 	 	 	(17	) 	 	 	(18	) 	 	 	(14	) 	 	 	(15	) 	 	 	(64	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(17	) 	  	 	(16	) 	 	 	(14	) 	 	 	(47	) 	 	 	(17	) 	 	 	(18	) 	 	 	(14	) 	 	 	(15	) 	 	 	(64	) 	
Interest credited	  	 	15	  	  	 	15	  	 	 	14	  	 	 	44	  	 	 	15	  	 	 	14	  	 	 	14	  	 	 	15	  	 	 	58	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, net of reinsurance, end of the period	  	 	1,104	  	  	 	1,106	  	 	 	1,107	  	 	 	1,104	  	 	 	1,107	  	 	 	1,109	  	 	 	1,113	  	 	 	1,113	  	 	 	1,107	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Fixed Annuities	  	$	18,677	  	  	$	18,437	  	 	$	18,360	  	 	$	18,677	  	 	$	18,371	  	 	$	18,366	  	 	$	18,079	  	 	$	18,184	  	 	$	18,371	  	

 
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Table of Contents
International Protection Segment
 
27

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income and Sales—International Protection Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	164	  	  	$	174	  	 	$	179	  	 	$	517	  	 	$	192	  	 	$	209	  	 	$	223	  	 	$	215	  	 	$	839	  	
Net investment income	  	 	32	  	  	 	36	  	 	 	36	  	 	 	104	  	 	 	34	  	 	 	38	  	 	 	53	  	 	 	48	  	 	 	173	  	
Net investment gains (losses)	  	 	1	  	  	 	1	  	 	 	1	  	 	 	3	  	 	 	(2	) 	 	 	(2	) 	 	 	1	  	 	 	2	  	 	 	(1	) 	
Insurance and investment product fees and other	  	 	1	  	  	 	—  	  	 	 	2	  	 	 	3	  	 	 	2	  	 	 	—  	  	 	 	4	  	 	 	5	  	 	 	11	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	198	  	  	 	211	  	 	 	218	  	 	 	627	  	 	 	226	  	 	 	245	  	 	 	281	  	 	 	270	  	 	 	1,022	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	30	  	  	 	41	  	 	 	41	  	 	 	112	  	 	 	31	  	 	 	37	  	 	 	35	  	 	 	32	  	 	 	135	  	
Acquisition and operating expenses, net of deferrals	  	 	117	  	  	 	126	  	 	 	127	  	 	 	370	  	 	 	139	  	 	 	143	  	 	 	156	  	 	 	152	  	 	 	590	  	
Amortization of deferred acquisition costs and intangibles	  	 	27	  	  	 	27	  	 	 	31	  	 	 	85	  	 	 	33	  	 	 	32	  	 	 	42	  	 	 	36	  	 	 	143	  	
Goodwill impairment	  	 	89	  	  	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest expense	  	 	11	  	  	 	14	  	 	 	11	  	 	 	36	  	 	 	3	  	 	 	6	  	 	 	16	  	 	 	13	  	 	 	38	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	274	  	  	 	208	  	 	 	210	  	 	 	692	  	 	 	206	  	 	 	218	  	 	 	249	  	 	 	233	  	 	 	906	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	(76	) 	  	 	3	  	 	 	8	  	 	 	(65	) 	 	 	20	  	 	 	27	  	 	 	32	  	 	 	37	  	 	 	116	  	
Provision for income taxes	  	 	1	  	  	 	—  	  	 	 	2	  	 	 	3	  	 	 	2	  	 	 	7	  	 	 	7	  	 	 	10	  	 	 	26	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	(77	) 	  	 	3	  	 	 	6	  	 	 	(68	) 	 	 	18	  	 	 	20	  	 	 	25	  	 	 	27	  	 	 	90	  	
	 									
ADJUSTMENTS TO NET INCOME (LOSS):	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	  	 	—  	  	 	 	(1	) 	 	 	(2	) 	 	 	1	  	 	 	2	  	 	 	—  	  	 	 	(2	) 	 	 	1	  	
Goodwill impairment, net of taxes	  	 	86	  	  	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	  	$	8	  	  	$	3	  	 	$	5	  	 	$	16	  	 	$	19	  	 	$	22	  	 	$	25	  	 	$	25	  	 	$	91	  	

Effective tax rate (operating income)	  	 	32.8	% 	  	 	-5.8	% 	 	 	23.1	% 	 	 	24.0	% 	 	 	7.4	% 	 	 	28.7	% 	 	 	20.9	% 	 	 	26.3	% 	 	 	22.0	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
Lifestyle Protection Insurance	  	 	 	 	  				 				 				 				 				 				 				 				
Traditional indemnity premiums	  	$	212	  	  	$	246	  	 	$	228	  	 	$	686	  	 	$	234	  	 	$	252	  	 	$	270	  	 	$	242	  	 	$	998	  	
Premium equivalents for administrative services only business	  	 	2	  	  	 	2	  	 	 	2	  	 	 	6	  	 	 	5	  	 	 	5	  	 	 	6	  	 	 	6	  	 	 	22	  	
Reinsurance premiums assumed accounted for under the deposit method	  	 	152	  	  	 	169	  	 	 	149	  	 	 	470	  	 	 	167	  	 	 	181	  	 	 	193	  	 	 	175	  	 	 	716	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales (2)	  	$	366	  	  	$	417	  	 	$	379	  	 	$	1,162	  	 	$	406	  	 	$	438	  	 	$	469	  	 	$	423	  	 	$	1,736	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
SALES BY REGION:	  			 	  				 				 				 				 				 				 				 				
Lifestyle Protection Insurance	  			 	  				 				 				 				 				 				 				 				
Northern Europe	  	$	145	  	  	$	151	  	 	$	141	  	 	$	437	  	 	$	149	  	 	$	166	  	 	$	169	  	 	$	156	  	 	$	640	  	
Southern Europe	  	 	110	  	  	 	141	  	 	 	134	  	 	 	385	  	 	 	152	  	 	 	161	  	 	 	188	  	 	 	170	  	 	 	671	  	
Latin America	  	 	4	  	  	 	5	  	 	 	7	  	 	 	16	  	 	 	6	  	 	 	7	  	 	 	2	  	 	 	—  	  	 	 	15	  	
Structured Deals (3)	  	 	103	  	  	 	113	  	 	 	93	  	 	 	309	  	 	 	93	  	 	 	97	  	 	 	103	  	 	 	89	  	 	 	382	  	
Other	  	 	4	  	  	 	7	  	 	 	4	  	 	 	15	  	 	 	6	  	 	 	7	  	 	 	7	  	 	 	8	  	 	 	28	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	366	  	  	$	417	  	 	$	379	  	 	$	1,162	  	 	$	406	  	 	$	438	  	 	$	469	  	 	$	423	  	 	$	1,736	  	

	  				  				 				 				 				 				 				 				 				
Loss Ratio	  	 	18	% 	  	 	24	% 	 	 	23	% 	 	 	22	% 	 	 	16	% 	 	 	17	% 	 	 	16	% 	 	 	15	% 	 	 	16	% 	
The loss ratio included above was calculated using whole dollars and may be different than the ratio calculated using the rounded numbers included herein.

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Protection segment was $12 million and $21 million for the three and nine months ended September 30, 2012, respectively.	
(2)  	Sales adjusted for foreign exchange as compared to the prior year period for the International Protection segment were $389 million and $1,205 million for the three and nine months ended September 30, 2012, respectively.	
(3)  	Structured deals represent in-force blocks of business acquired through reinsurance arrangements and ongoing reciprocal arrangements in place with certain clients.	
 
28

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment
(amounts in millions)

 	 	3Q 2012	 	 	2Q 2012	 	 	1Q 2012	 	 	Total 2012	 	
 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	
REVENUES:	 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	164	  	 	$	47	  	 	$	211	  	 	$	174	  	 	$	56	  	 	$	230	  	 	$	179	  	 	$	55	  	 	$	234	  	 	$	517	  	 	$	158	  	 	$	675	  	
Net investment income	 	 	32	  	 	 	(9	) 	 	 	23	  	 	 	36	  	 	 	(12	) 	 	 	24	  	 	 	36	  	 	 	(13	) 	 	 	23	  	 	 	104	  	 	 	(34	) 	 	 	70	  	
Net investment gains (losses)	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	3	  	 	 	—  	  	 	 	3	  	
Insurance and investment product fees and other	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	3	  	 	 	—  	  	 	 	3	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	198	  	 	 	38	  	 	 	236	  	 	 	211	  	 	 	44	  	 	 	255	  	 	 	218	  	 	 	42	  	 	 	260	  	 	 	627	  	 	 	124	  	 	 	751	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	30	  	 	 	15	  	 	 	45	  	 	 	41	  	 	 	20	  	 	 	61	  	 	 	41	  	 	 	15	  	 	 	56	  	 	 	112	  	 	 	50	  	 	 	162	  	
Acquisition and operating expenses, net of deferrals	 	 	117	  	 	 	14	  	 	 	131	  	 	 	126	  	 	 	15	  	 	 	141	  	 	 	127	  	 	 	17	  	 	 	144	  	 	 	370	  	 	 	46	  	 	 	416	  	
Amortization of deferred acquisition costs and intangibles	 	 	27	  	 	 	11	  	 	 	38	  	 	 	27	  	 	 	13	  	 	 	40	  	 	 	31	  	 	 	14	  	 	 	45	  	 	 	85	  	 	 	38	  	 	 	123	  	
Goodwill impairment	 	 	89	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	89	  	
Interest expense	 	 	11	  	 	 	(2	) 	 	 	9	  	 	 	14	  	 	 	(4	) 	 	 	10	  	 	 	11	  	 	 	(4	) 	 	 	7	  	 	 	36	  	 	 	(10	) 	 	 	26	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	274	  	 	 	38	  	 	 	312	  	 	 	208	  	 	 	44	  	 	 	252	  	 	 	210	  	 	 	42	  	 	 	252	  	 	 	692	  	 	 	124	  	 	 	816	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	(76	) 	 	 	—  	  	 	 	(76	) 	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	8	  	 	 	—  	  	 	 	8	  	 	 	(65	) 	 	 	—  	  	 	 	(65	) 	
Provision for income taxes	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	3	  	 	 	—  	  	 	 	3	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	(77	) 	 	 	—  	  	 	 	(77	) 	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	6	  	 	 	—  	  	 	 	6	  	 	 	(68	) 	 	 	—  	  	 	 	(68	) 	
ADJUSTMENTS TO NET INCOME (LOSS):	 				 				 				 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	
Goodwill impairment, net of taxes	 	 	86	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	86	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1) 	 	$	8	  	 	$	—  	  	 	$	8	  	 	$	3	  	 	$	—  	  	 	$	3	  	 	$	5	  	 	$	—  	  	 	$	5	  	 	$	16	  	 	$	—  	  	 	$	16	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income)	 	 	32.8	% 	 				 	 	32.8	% 	 	 	-5.8	% 	 				 	 	-5.8	% 	 	 	23.1	% 	 				 	 	23.1	% 	 	 	24.0	% 	 				 	 	24.0	% 	
													
Other Metrics:	 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	164	  	 	$	47	  	 	$	211	  	 	$	174	  	 	$	56	  	 	$	230	  	 	$	179	  	 	$	55	  	 	$	234	  	 	$	517	  	 	$	158	  	 	$	675	  	
Benefits and other changes in policy reserves	 	 	30	  	 	 	15	  	 	 	45	  	 	 	41	  	 	 	20	  	 	 	61	  	 	 	41	  	 	 	15	  	 	 	56	  	 	 	112	  	 	 	50	  	 	 	162	  	
Commissions (2)	 	 	77	  	 	 	15	  	 	 	92	  	 	 	84	  	 	 	15	  	 	 	99	  	 	 	85	  	 	 	14	  	 	 	99	  	 	 	246	  	 	 	44	  	 	 	290	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Margin before profit sharing	 	 	57	  	 	 	17	  	 	 	74	  	 	 	49	  	 	 	21	  	 	 	70	  	 	 	53	  	 	 	26	  	 	 	79	  	 	 	159	  	 	 	64	  	 	 	223	  	
Profit share (2)	 	 	24	  	 	 	15	  	 	 	39	  	 	 	27	  	 	 	14	  	 	 	41	  	 	 	27	  	 	 	17	  	 	 	44	  	 	 	78	  	 	 	46	  	 	 	124	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Underwriting profit	 	$	33	  	 	$	2	  	 	$	35	  	 	$	22	  	 	$	7	  	 	$	29	  	 	$	26	  	 	$	9	  	 	$	35	  	 	$	81	  	 	$	18	  	 	$	99	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio	 	 	18	% 	 				 	 	21	% 	 	 	24	% 	 				 	 	27	% 	 	 	23	% 	 				 	 	23	% 	 	 	22	% 	 				 	 	24	% 	
													
Underwriting Margin (3)	 	 	20	% 	 				 	 	17	% 	 	 	13	% 	 				 	 	13	% 	 	 	14	% 	 				 	 	15	% 	 	 	16	% 	 				 	 	15	% 	
													
Combined Ratio (4)	 	 	160	% 	 				 	 	144	% 	 	 	111	% 	 				 	 	105	% 	 	 	111	% 	 				 	 	105	% 	 	 	127	% 	 				 	 	117	% 	
This page is provided as supplemental analysis related to the lifestyle protection insurance business. This business has reinsurance agreements that do not qualify for risk transfer under GAAP. This analysis shows the income statement activity as if these reinsurance agreements, except for our reciprocal arrangements, were accounted for as reinsurance accounting (“pre-deposit accounting basis”) and not as deposit accounting. There is no impact on net income available to Genworth Financial, Inc.’s common stockholders or to segment net operating income.
The ratios included above were calculated using whole dollars and may be different than the ratio calculated using the rounded numbers included herein.

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Protection segment was $12 million and $21 million for the three and nine months ended September 30, 2012, respectively.	
(2)  	Commissions include commissions which are included above in acquisition and operating expenses, net of deferrals, and amortization of DAC.	
(3)  	The underwriting margin is calculated as underwriting profit divided by net earned premiums.	
(4)  	The combined ratio is calculated as benefits and other changes in policy reserves, commissions (including amortization of DAC), profit share and other operating expenses divided by net earned premiums.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment
(amounts in millions)

	 	 	4Q 2011	  	 	 	3Q 2011	  	 	 	2Q 2011	  	 	 	1Q 2011	  	 	 	Total 2011	  	
 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	
REVENUES:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	192	  	 	$	57	  	 	$	249	  	 	$	209	  	 	$	71	  	 	$	280	  	 	$	223	  	 	$	71	  	 	$	294	  	 	$	215	  	 	$	56	  	 	$	271	  	 	$	839	  	 	$	255	  	 	$	1,094	  	
Net investment income	 	 	34	  	 	 	(7	) 	 	 	27	  	 	 	38	  	 	 	(11	) 	 	 	27	  	 	 	53	  	 	 	(26	) 	 	 	27	  	 	 	48	  	 	 	(23	) 	 	 	25	  	 	 	173	  	 	 	(67	) 	 	 	106	  	
Net investment gains (losses)	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	
Insurance and investment product fees and other	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	4	  	 	 	—  	  	 	 	4	  	 	 	5	  	 	 	—  	  	 	 	5	  	 	 	11	  	 	 	—  	  	 	 	11	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	226	  	 	 	50	  	 	 	276	  	 	 	245	  	 	 	60	  	 	 	305	  	 	 	281	  	 	 	45	  	 	 	326	  	 	 	270	  	 	 	33	  	 	 	303	  	 	 	1,022	  	 	 	188	  	 	 	1,210	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	31	  	 	 	15	  	 	 	46	  	 	 	37	  	 	 	18	  	 	 	55	  	 	 	35	  	 	 	18	  	 	 	53	  	 	 	32	  	 	 	10	  	 	 	42	  	 	 	135	  	 	 	61	  	 	 	196	  	
Acquisition and operating expenses, net of deferrals	 	 	139	  	 	 	16	  	 	 	155	  	 	 	143	  	 	 	19	  	 	 	162	  	 	 	156	  	 	 	19	  	 	 	175	  	 	 	152	  	 	 	13	  	 	 	165	  	 	 	590	  	 	 	67	  	 	 	657	  	
Amortization of deferred acquisition costs and intangibles	 	 	33	  	 	 	13	  	 	 	46	  	 	 	32	  	 	 	21	  	 	 	53	  	 	 	42	  	 	 	16	  	 	 	58	  	 	 	36	  	 	 	17	  	 	 	53	  	 	 	143	  	 	 	67	  	 	 	210	  	
Interest expense	 	 	3	  	 	 	6	  	 	 	9	  	 	 	6	  	 	 	2	  	 	 	8	  	 	 	16	  	 	 	(8	) 	 	 	8	  	 	 	13	  	 	 	(7	) 	 	 	6	  	 	 	38	  	 	 	(7	) 	 	 	31	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	206	  	 	 	50	  	 	 	256	  	 	 	218	  	 	 	60	  	 	 	278	  	 	 	249	  	 	 	45	  	 	 	294	  	 	 	233	  	 	 	33	  	 	 	266	  	 	 	906	  	 	 	188	  	 	 	1,094	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	 	 	20	  	 	 	—  	  	 	 	20	  	 	 	27	  	 	 	—  	  	 	 	27	  	 	 	32	  	 	 	—  	  	 	 	32	  	 	 	37	  	 	 	—  	  	 	 	37	  	 	 	116	  	 	 	—  	  	 	 	116	  	
Provision for income taxes	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	7	  	 	 	—  	  	 	 	7	  	 	 	7	  	 	 	—  	  	 	 	7	  	 	 	10	  	 	 	—  	  	 	 	10	  	 	 	26	  	 	 	—  	  	 	 	26	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	 	 	18	  	 	 	—  	  	 	 	18	  	 	 	20	  	 	 	—  	  	 	 	20	  	 	 	25	  	 	 	—  	  	 	 	25	  	 	 	27	  	 	 	—  	  	 	 	27	  	 	 	90	  	 	 	—  	  	 	 	90	  	
ADJUSTMENT TO NET INCOME:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	1	  	 	 	—  	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 	$	19	  	 	$	—  	  	 	$	19	  	 	$	22	  	 	$	—  	  	 	$	22	  	 	$	25	  	 	$	—  	  	 	$	25	  	 	$	25	  	 	$	—  	  	 	$	25	  	 	$	91	  	 	$	—  	  	 	$	91	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income)	 	 	7.4	% 	 				 	 	7.4	% 	 	 	28.7	% 	 				 	 	28.7	% 	 	 	20.9	% 	 				 	 	20.9	% 	 	 	26.3	% 	 				 	 	26.3	% 	 	 	22.0	% 	 				 	 	22.0	% 	
																
Other Metrics:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	192	  	 	$	57	  	 	$	249	  	 	$	209	  	 	$	71	  	 	$	280	  	 	$	223	  	 	$	71	  	 	$	294	  	 	$	215	  	 	$	56	  	 	$	271	  	 	$	839	  	 	$	255	  	 	$	1,094	  	
Benefits and other changes in policy reserves	 	 	31	  	 	 	15	  	 	 	46	  	 	 	37	  	 	 	18	  	 	 	55	  	 	 	35	  	 	 	18	  	 	 	53	  	 	 	32	  	 	 	10	  	 	 	42	  	 	 	135	  	 	 	61	  	 	 	196	  	
Commissions (1)	 	 	94	  	 	 	10	  	 	 	104	  	 	 	96	  	 	 	21	  	 	 	117	  	 	 	109	  	 	 	18	  	 	 	127	  	 	 	102	  	 	 	16	  	 	 	118	  	 	 	401	  	 	 	65	  	 	 	466	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Margin before profit sharing	 	 	67	  	 	 	32	  	 	 	99	  	 	 	76	  	 	 	32	  	 	 	108	  	 	 	79	  	 	 	35	  	 	 	114	  	 	 	81	  	 	 	30	  	 	 	111	  	 	 	303	  	 	 	129	  	 	 	432	  	
Profit share (1)	 	 	26	  	 	 	18	  	 	 	44	  	 	 	28	  	 	 	18	  	 	 	46	  	 	 	35	  	 	 	18	  	 	 	53	  	 	 	37	  	 	 	14	  	 	 	51	  	 	 	126	  	 	 	68	  	 	 	194	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Underwriting profit	 	$	41	  	 	$	14	  	 	$	55	  	 	$	48	  	 	$	14	  	 	$	62	  	 	$	44	  	 	$	17	  	 	$	61	  	 	$	44	  	 	$	16	  	 	$	60	  	 	$	177	  	 	$	61	  	 	$	238	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio	 	 	16	% 	 				 	 	18	% 	 	 	17	% 	 				 	 	20	% 	 	 	16	% 	 				 	 	18	% 	 	 	15	% 	 				 	 	15	% 	 	 	16	% 	 				 	 	18	% 	
																
Underwriting Margin (2)	 	 	21	% 	 				 	 	22	% 	 	 	23	% 	 				 	 	22	% 	 	 	19	% 	 				 	 	21	% 	 	 	21	% 	 				 	 	22	% 	 	 	21	% 	 				 	 	22	% 	
																
Combined Ratio (3)	 	 	106	% 	 				 	 	99	% 	 	 	100	% 	 				 	 	96	% 	 	 	104	% 	 				 	 	97	% 	 	 	101	% 	 				 	 	96	% 	 	 	103	% 	 				 	 	97	% 	
This page is provided as supplemental analysis related to the lifestyle protection insurance business. This business has reinsurance agreements that do not qualify for risk transfer under GAAP. This analysis shows the income statement activity as if these reinsurance agreements, except for our reciprocal arrangements, were accounted for as reinsurance accounting (“pre-deposit accounting basis”) and not as deposit accounting. There is no impact on net income available to Genworth Financial, Inc.’s common stockholders or to segment net operating income.
The ratios included above were calculated using whole dollars and may be different than the ratio calculated using the rounded numbers included herein.

(1)  	Commissions include commissions which are included above in acquisition and operating expenses, net of deferrals, and amortization of DAC.	
(2)  	The underwriting margin is calculated as underwriting profit divided by net earned premiums.	
(3)  	The combined ratio is calculated as benefits and other changes in policy reserves, commissions (including amortization of DAC), profit share and other operating expenses divided by net earned premiums.	
 
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Wealth Management Segment
 
31

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income, Sales and Assets Under Management—Wealth Management Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	—  	  	  	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	
Net investment income	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Net investment gains (losses)	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Insurance and investment product fees and other	  	 	82	  	  	 	122	  	 	 	112	  	 	 	316	  	 	 	114	  	 	 	115	  	 	 	114	  	 	 	110	  	 	 	453	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	82	  	  	 	122	  	 	 	112	  	 	 	316	  	 	 	114	  	 	 	115	  	 	 	114	  	 	 	110	  	 	 	453	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest credited	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	  	 	63	  	  	 	64	  	 	 	92	  	 	 	219	  	 	 	93	  	 	 	95	  	 	 	92	  	 	 	92	  	 	 	372	  	
Amortization of deferred acquisition costs and intangibles	  	 	2	  	  	 	1	  	 	 	1	  	 	 	4	  	 	 	2	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	5	  	
Interest expense	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	65	  	  	 	65	  	 	 	93	  	 	 	223	  	 	 	95	  	 	 	96	  	 	 	93	  	 	 	93	  	 	 	377	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	17	  	  	 	57	  	 	 	19	  	 	 	93	  	 	 	19	  	 	 	19	  	 	 	21	  	 	 	17	  	 	 	76	  	
Provision for income taxes	  	 	7	  	  	 	30	  	 	 	7	  	 	 	44	  	 	 	7	  	 	 	7	  	 	 	8	  	 	 	7	  	 	 	29	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	10	  	  	 	27	  	 	 	12	  	 	 	49	  	 	 	12	  	 	 	12	  	 	 	13	  	 	 	10	  	 	 	47	  	
	 									
ADJUSTMENTS TO NET INCOME:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Gain on sale of business, net of taxes	  	 	—  	  	  	 	(15	) 	 	 	—  	  	 	 	(15	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	10	  	  	$	12	  	 	$	12	  	 	$	34	  	 	$	12	  	 	$	12	  	 	$	13	  	 	$	10	  	 	$	47	  	

Effective tax rate (operating income)	  	 	38.5	% 	  	 	35.3	% 	 	 	37.9	% 	 	 	37.2	% 	 	 	36.2	% 	 	 	38.9	% 	 	 	36.4	% 	 	 	42.3	% 	 	 	38.3	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
	  				  				 				 				 				 				 				 				 				
Sales by Distribution Channel:	  				  				 				 				 				 				 				 				 				
Independent Producers	  	$	1,099	  	  	$	1,228	  	 	$	1,344	  	 	$	3,671	  	 	$	1,278	  	 	$	1,395	  	 	$	1,622	  	 	$	1,785	  	 	$	6,080	  	
Dedicated Sales Specialists	  	 	—  	  	  	 	—  	  	 	 	172	  	 	 	172	  	 	 	161	  	 	 	170	  	 	 	185	  	 	 	273	  	 	 	789	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	1,099	  	  	$	1,228	  	 	$	1,516	  	 	$	3,843	  	 	$	1,439	  	 	$	1,565	  	 	$	1,807	  	 	$	2,058	  	 	$	6,869	  	

										
ASSETS UNDER MANAGEMENT:	  				  				 				 				 				 				 				 				 				
Beginning of period	  	$	22,320	  	  	$	25,684	  	 	$	25,087	  	 	$	25,087	  	 	$	24,613	  	 	$	25,930	  	 	$	25,551	  	 	$	24,740	  	 	$	24,740	  	
Gross flows	  	 	1,099	  	  	 	1,228	  	 	 	1,516	  	 	 	3,843	  	 	 	1,439	  	 	 	1,565	  	 	 	1,807	  	 	 	2,058	  	 	 	6,869	  	
Redemptions	  	 	(1,353	) 	  	 	(1,473	) 	 	 	(1,875	) 	 	 	(4,701	) 	 	 	(1,455	) 	 	 	(1,119	) 	 	 	(1,143	) 	 	 	(1,703	) 	 	 	(5,420	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(254	) 	  	 	(245	) 	 	 	(359	) 	 	 	(858	) 	 	 	(16	) 	 	 	446	  	 	 	664	  	 	 	355	  	 	 	1,449	  	
Market performance	  	 	567	  	  	 	(348	) 	 	 	956	  	 	 	1,175	  	 	 	490	  	 	 	(1,763	) 	 	 	(285	) 	 	 	456	  	 	 	(1,102	) 	
Disposition (1)	  	 	—  	  	  	 	(2,771	) 	 	 	—  	  	 	 	(2,771	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
End of period	  	$	22,633	  	  	$	22,320	  	 	$	25,684	  	 	$	22,633	  	 	$	25,087	  	 	$	24,613	  	 	$	25,930	  	 	$	25,551	  	 	$	25,087	  	

Wealth Management results represent Genworth Financial Wealth Management, Inc. (GFIS), Genworth Financial Investment Services, Inc., Genworth Financial Trust Company, Centurion Financial Advisers, Inc., Quantavis Consulting, Inc. and the Altegris companies.

(1)  	On April 2, 2012, we completed the sale of our tax and accounting financial advisor unit, GFIS. Assets under management at the time of the sale were $2,771 million.	
 
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Global Mortgage Insurance Division
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	392	  	 	$	393	  	 	$	384	  	 	$	1,169	  	 	$	400	  	 	$	413	  	 	$	410	  	 	$	404	  	 	$	1,627	  	
Net investment income	  	 	112	  	 	 	107	  	 	 	120	  	 	 	339	  	 	 	112	  	 	 	132	  	 	 	125	  	 	 	128	  	 	 	497	  	
Net investment gains (losses)	  	 	—  	  	 	 	11	  	 	 	29	  	 	 	40	  	 	 	43	  	 	 	34	  	 	 	6	  	 	 	5	  	 	 	88	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	20	  	 	 	2	  	 	 	22	  	 	 	6	  	 	 	—  	  	 	 	6	  	 	 	2	  	 	 	14	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	504	  	 	 	531	  	 	 	535	  	 	 	1,570	  	 	 	561	  	 	 	579	  	 	 	547	  	 	 	539	  	 	 	2,226	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	273	  	 	 	289	  	 	 	404	  	 	 	966	  	 	 	392	  	 	 	370	  	 	 	633	  	 	 	388	  	 	 	1,783	  	
Acquisition and operating expenses, net of deferrals	  	 	102	  	 	 	94	  	 	 	93	  	 	 	289	  	 	 	95	  	 	 	106	  	 	 	104	  	 	 	99	  	 	 	404	  	
Amortization of deferred acquisition costs and intangibles	  	 	18	  	 	 	18	  	 	 	18	  	 	 	54	  	 	 	16	  	 	 	17	  	 	 	19	  	 	 	19	  	 	 	71	  	
Interest expense	  	 	9	  	 	 	8	  	 	 	10	  	 	 	27	  	 	 	10	  	 	 	9	  	 	 	6	  	 	 	6	  	 	 	31	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	402	  	 	 	409	  	 	 	525	  	 	 	1,336	  	 	 	513	  	 	 	502	  	 	 	762	  	 	 	512	  	 	 	2,289	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	102	  	 	 	122	  	 	 	10	  	 	 	234	  	 	 	48	  	 	 	77	  	 	 	(215	) 	 	 	27	  	 	 	(63	) 	
Provision (benefit) for income taxes	  	 	11	  	 	 	31	  	 	 	(4	) 	 	 	38	  	 	 	1	  	 	 	29	  	 	 	(78	) 	 	 	(24	) 	 	 	(72	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	91	  	 	 	91	  	 	 	14	  	 	 	196	  	 	 	47	  	 	 	48	  	 	 	(137	) 	 	 	51	  	 	 	9	  	
Less: net income attributable to noncontrolling interests	  	 	36	  	 	 	33	  	 	 	33	  	 	 	102	  	 	 	33	  	 	 	36	  	 	 	36	  	 	 	34	  	 	 	139	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	55	  	 	 	58	  	 	 	(19	) 	 	 	94	  	 	 	14	  	 	 	12	  	 	 	(173	) 	 	 	17	  	 	 	(130	) 	
	 									
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	1	  	 	 	(7	) 	 	 	(17	) 	 	 	(23	) 	 	 	(27	) 	 	 	(23	) 	 	 	(4	) 	 	 	(1	) 	 	 	(55	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS) (1)	  	$	56	  	 	$	51	  	 	$	(36	) 	 	$	71	  	 	$	(13	) 	 	$	(11	) 	 	$	(177	) 	 	$	16	  	 	$	(185	) 	

Effective tax rate (operating income (loss))	  	 	-3.7	% 	 	 	21.6	% 	 	 	41.2	% 	 	 	-23.2	% 	 	 	64.0	% 	 	 	-75.5	% 	 	 	34.3	% 	 	 	166.5	% 	 	 	44.7	% 	

(1)  	Net operating income (loss) adjusted for foreign exchange as compared to the prior year period for the Global Mortgage Insurance Division was $60 million and $79 million for the three and nine months ended September 30, 2012, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	 	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Three months ended September 30, 2012	 	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 			 	
Premiums	 	$	147	  	 	$	98	  	 	$	11	  	 	$	256	  	 	$	136	  	 	$	392	  	
Net investment income	 	 	46	  	 	 	44	  	 	 	2	  	 	 	92	  	 	 	20	  	 	 	112	  	
Net investment gains (losses)	 	 	4	  	 	 	(2	) 	 	 	—  	  	 	 	2	  	 	 	(2	) 	 	 	—  	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	197	  	 	 	140	  	 	 	13	  	 	 	350	  	 	 	154	  	 	 	504	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	44	  	 	 	46	  	 	 	9	  	 	 	99	  	 	 	174	  	 	 	273	  	
Acquisition and operating expenses, net of deferrals	 	 	28	  	 	 	26	  	 	 	8	  	 	 	62	  	 	 	40	  	 	 	102	  	
Amortization of deferred acquisition costs and intangibles	 	 	10	  	 	 	6	  	 	 	1	  	 	 	17	  	 	 	1	  	 	 	18	  	
Interest expense	 	 	6	  	 	 	3	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	9	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	88	  	 	 	81	  	 	 	18	  	 	 	187	  	 	 	215	  	 	 	402	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	109	  	 	 	59	  	 	 	(5	) 	 	 	163	  	 	 	(61	) 	 	 	102	  	
Provision (benefit) for income taxes	 	 	29	  	 	 	4	  	 	 	1	  	 	 	34	  	 	 	(23	) 	 	 	11	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	80	  	 	 	55	  	 	 	(6	) 	 	 	129	  	 	 	(38	) 	 	 	91	  	
Less: net income attributable to noncontrolling interests	 	 	36	  	 	 	—  	  	 	 	—  	  	 	 	36	  	 	 	—  	  	 	 	36	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	44	  	 	 	55	  	 	 	(6	) 	 	 	93	  	 	 	(38	) 	 	 	55	  	
						 	
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(2	) 	 	 	2	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	42	  	 	$	57	  	 	$	(5	) 	 	$	94	  	 	$	(38	) 	 	$	56	  	

Effective tax rate (operating income (loss))	 	 	25.6	% 	 	 	8.2	% 	 	 	-0.6	% 	 	 	17.6	% 	 	 	37.2	% 	 	 	-3.7	% 	
				
 	 	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Three months ended September 30, 2011	 	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 			 	
Premiums	 	$	153	  	 	$	105	  	 	$	15	  	 	$	273	  	 	$	140	  	 	$	413	  	
Net investment income	 	 	51	  	 	 	49	  	 	 	3	  	 	 	103	  	 	 	29	  	 	 	132	  	
Net investment gains (losses)	 	 	3	  	 	 	30	  	 	 	(1	) 	 	 	32	  	 	 	2	  	 	 	34	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	207	  	 	 	184	  	 	 	17	  	 	 	408	  	 	 	171	  	 	 	579	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	57	  	 	 	51	  	 	 	11	  	 	 	119	  	 	 	251	  	 	 	370	  	
Acquisition and operating expenses, net of deferrals	 	 	27	  	 	 	26	  	 	 	12	  	 	 	65	  	 	 	41	  	 	 	106	  	
Amortization of deferred acquisition costs and intangibles	 	 	9	  	 	 	7	  	 	 	—  	  	 	 	16	  	 	 	1	  	 	 	17	  	
Interest expense	 	 	5	  	 	 	4	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	9	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	98	  	 	 	88	  	 	 	23	  	 	 	209	  	 	 	293	  	 	 	502	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	109	  	 	 	96	  	 	 	(6	) 	 	 	199	  	 	 	(122	) 	 	 	77	  	
Provision (benefit) for income taxes	 	 	32	  	 	 	40	  	 	 	2	  	 	 	74	  	 	 	(45	) 	 	 	29	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	77	  	 	 	56	  	 	 	(8	) 	 	 	125	  	 	 	(77	) 	 	 	48	  	
Less: net income attributable to noncontrolling interests	 	 	36	  	 	 	—  	  	 	 	—  	  	 	 	36	  	 	 	—  	  	 	 	36	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	41	  	 	 	56	  	 	 	(8	) 	 	 	89	  	 	 	(77	) 	 	 	12	  	
						 	
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(1	) 	 	 	(20	) 	 	 	—  	  	 	 	(21	) 	 	 	(2	) 	 	 	(23	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	40	  	 	$	36	  	 	$	(8	) 	 	$	68	  	 	$	(79	) 	 	$	(11	) 	

Effective tax rate (operating income (loss))	 	 	31.3	% 	 	 	46.5	% 	 	 	-40.9	% 	 	 	43.1	% 	 	 	37.2	% 	 	 	-75.5	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	 	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Nine months ended September 30, 2012	 	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 			 	
Premiums	 	$	440	  	 	$	287	  	 	$	32	  	 	$	759	  	 	$	410	  	 	$	1,169	  	
Net investment income	 	 	140	  	 	 	137	  	 	 	6	  	 	 	283	  	 	 	56	  	 	 	339	  	
Net investment gains (losses)	 	 	11	  	 	 	(3	) 	 	 	7	  	 	 	15	  	 	 	25	  	 	 	40	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	22	  	 	 	22	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	591	  	 	 	421	  	 	 	45	  	 	 	1,057	  	 	 	513	  	 	 	1,570	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	147	  	 	 	237	  	 	 	37	  	 	 	421	  	 	 	545	  	 	 	966	  	
Acquisition and operating expenses, net of deferrals	 	 	83	  	 	 	72	  	 	 	27	  	 	 	182	  	 	 	107	  	 	 	289	  	
Amortization of deferred acquisition costs and intangibles	 	 	30	  	 	 	19	  	 	 	1	  	 	 	50	  	 	 	4	  	 	 	54	  	
Interest expense	 	 	17	  	 	 	10	  	 	 	—  	  	 	 	27	  	 	 	—  	  	 	 	27	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	277	  	 	 	338	  	 	 	65	  	 	 	680	  	 	 	656	  	 	 	1,336	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	314	  	 	 	83	  	 	 	(20	) 	 	 	377	  	 	 	(143	) 	 	 	234	  	
Provision (benefit) for income taxes	 	 	88	  	 	 	5	  	 	 	(1	) 	 	 	92	  	 	 	(54	) 	 	 	38	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	226	  	 	 	78	  	 	 	(19	) 	 	 	285	  	 	 	(89	) 	 	 	196	  	
Less: net income attributable to noncontrolling interests	 	 	102	  	 	 	—  	  	 	 	—  	  	 	 	102	  	 	 	—  	  	 	 	102	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	124	  	 	 	78	  	 	 	(19	) 	 	 	183	  	 	 	(89	) 	 	 	94	  	
						 	
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(4	) 	 	 	2	  	 	 	(4	) 	 	 	(6	) 	 	 	(17	) 	 	 	(23	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	120	  	 	$	80	  	 	$	(23	) 	 	$	177	  	 	$	(106	) 	 	$	71	  	

Effective tax rate (operating income (loss))	 	 	28.2	% 	 	 	6.8	% 	 	 	14.2	% 	 	 	21.8	% 	 	 	37.2	% 	 	 	-23.2	% 	
				
 	 	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Nine months ended September 30, 2011	 	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	 				 				 				 				 				 			 	
Premiums	 	$	466	  	 	$	296	  	 	$	41	  	 	$	803	  	 	$	424	  	 	$	1,227	  	
Net investment income	 	 	149	  	 	 	138	  	 	 	10	  	 	 	297	  	 	 	88	  	 	 	385	  	
Net investment gains (losses)	 	 	8	  	 	 	32	  	 	 	1	  	 	 	41	  	 	 	4	  	 	 	45	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	1	  	 	 	5	  	 	 	6	  	 	 	2	  	 	 	8	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	623	  	 	 	467	  	 	 	57	  	 	 	1,147	  	 	 	518	  	 	 	1,665	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	167	  	 	 	140	  	 	 	28	  	 	 	335	  	 	 	1,056	  	 	 	1,391	  	
Acquisition and operating expenses, net of deferrals	 	 	83	  	 	 	69	  	 	 	36	  	 	 	188	  	 	 	121	  	 	 	309	  	
Amortization of deferred acquisition costs and intangibles	 	 	30	  	 	 	21	  	 	 	—  	  	 	 	51	  	 	 	4	  	 	 	55	  	
Interest expense	 	 	17	  	 	 	4	  	 	 	—  	  	 	 	21	  	 	 	—  	  	 	 	21	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	297	  	 	 	234	  	 	 	64	  	 	 	595	  	 	 	1,181	  	 	 	1,776	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	 	 	326	  	 	 	233	  	 	 	(7	) 	 	 	552	  	 	 	(663	) 	 	 	(111	) 	
Provision (benefit) for income taxes	 	 	98	  	 	 	70	  	 	 	8	  	 	 	176	  	 	 	(249	) 	 	 	(73	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	228	  	 	 	163	  	 	 	(15	) 	 	 	376	  	 	 	(414	) 	 	 	(38	) 	
Less: net income attributable to noncontrolling interests	 	 	106	  	 	 	—  	  	 	 	—  	  	 	 	106	  	 	 	—  	  	 	 	106	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	122	  	 	 	163	  	 	 	(15	) 	 	 	270	  	 	 	(414	) 	 	 	(144	) 	
						 	
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 				 				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(3	) 	 	 	(21	) 	 	 	(1	) 	 	 	(25	) 	 	 	(3	) 	 	 	(28	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	119	  	 	$	142	  	 	$	(16	) 	 	$	245	  	 	$	(417	) 	 	$	(172	) 	

Effective tax rate (operating income (loss))	 	 	32.0	% 	 	 	30.0	% 	 	 	-98.4	% 	 	 	33.8	% 	 	 	37.6	% 	 	 	42.2	% 	
 
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International Mortgage Insurance Segment
 
37

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income—International Mortgage Insurance Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	256	  	 	$	256	  	 	$	247	  	 	$	759	  	 	$	260	  	 	$	273	  	 	$	268	  	 	$	262	  	 	$	1,063	  	
Net investment income	  	 	92	  	 	 	94	  	 	 	97	  	 	 	283	  	 	 	96	  	 	 	103	  	 	 	99	  	 	 	95	  	 	 	393	  	
Net investment gains (losses)	  	 	2	  	 	 	11	  	 	 	2	  	 	 	15	  	 	 	1	  	 	 	32	  	 	 	5	  	 	 	4	  	 	 	42	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	5	  	 	 	1	  	 	 	9	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	350	  	 	 	361	  	 	 	346	  	 	 	1,057	  	 	 	360	  	 	 	408	  	 	 	377	  	 	 	362	  	 	 	1,507	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	99	  	 	 	115	  	 	 	207	  	 	 	421	  	 	 	123	  	 	 	119	  	 	 	107	  	 	 	109	  	 	 	458	  	
Acquisition and operating expenses, net of deferrals	  	 	62	  	 	 	61	  	 	 	59	  	 	 	182	  	 	 	60	  	 	 	65	  	 	 	63	  	 	 	60	  	 	 	248	  	
Amortization of deferred acquisition costs and intangibles	  	 	17	  	 	 	16	  	 	 	17	  	 	 	50	  	 	 	15	  	 	 	16	  	 	 	18	  	 	 	17	  	 	 	66	  	
Interest expense	  	 	9	  	 	 	8	  	 	 	10	  	 	 	27	  	 	 	10	  	 	 	9	  	 	 	6	  	 	 	6	  	 	 	31	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	187	  	 	 	200	  	 	 	293	  	 	 	680	  	 	 	208	  	 	 	209	  	 	 	194	  	 	 	192	  	 	 	803	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	163	  	 	 	161	  	 	 	53	  	 	 	377	  	 	 	152	  	 	 	199	  	 	 	183	  	 	 	170	  	 	 	704	  	
Provision for income taxes	  	 	34	  	 	 	45	  	 	 	13	  	 	 	92	  	 	 	36	  	 	 	74	  	 	 	66	  	 	 	36	  	 	 	212	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	129	  	 	 	116	  	 	 	40	  	 	 	285	  	 	 	116	  	 	 	125	  	 	 	117	  	 	 	134	  	 	 	492	  	
Less: net income attributable to noncontrolling interests	  	 	36	  	 	 	33	  	 	 	33	  	 	 	102	  	 	 	33	  	 	 	36	  	 	 	36	  	 	 	34	  	 	 	139	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	93	  	 	 	83	  	 	 	7	  	 	 	183	  	 	 	83	  	 	 	89	  	 	 	81	  	 	 	100	  	 	 	353	  	
	 									
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	1	  	 	 	(7	) 	 	 	—  	  	 	 	(6	) 	 	 	—  	  	 	 	(21	) 	 	 	(3	) 	 	 	(1	) 	 	 	(25	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	  	$	94	  	 	$	76	  	 	$	7	  	 	$	177	  	 	$	83	  	 	$	68	  	 	$	78	  	 	$	99	  	 	$	328	  	

Effective tax rate (operating income)	  	 	17.6	% 	 	 	27.4	% 	 	 	6.8	% 	 	 	21.8	% 	 	 	23.2	% 	 	 	43.1	% 	 	 	39.7	% 	 	 	18.1	% 	 	 	31.4	% 	

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Mortgage Insurance segment was $98 million and $185 million for the three and nine months ended September 30, 2012, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income and Sales—International Mortgage Insurance Segment—Canada
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	147	  	 	$	148	  	 	$	145	  	 	$	440	  	 	$	153	  	 	$	153	  	 	$	157	  	 	$	156	  	 	$	619	  	
Net investment income	  	 	46	  	 	 	47	  	 	 	47	  	 	 	140	  	 	 	47	  	 	 	51	  	 	 	50	  	 	 	48	  	 	 	196	  	
Net investment gains (losses)	  	 	4	  	 	 	1	  	 	 	6	  	 	 	11	  	 	 	—  	  	 	 	3	  	 	 	2	  	 	 	3	  	 	 	8	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	197	  	 	 	196	  	 	 	198	  	 	 	591	  	 	 	200	  	 	 	207	  	 	 	209	  	 	 	207	  	 	 	823	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	44	  	 	 	48	  	 	 	55	  	 	 	147	  	 	 	61	  	 	 	57	  	 	 	51	  	 	 	59	  	 	 	228	  	
Acquisition and operating expenses, net of deferrals	  	 	28	  	 	 	29	  	 	 	26	  	 	 	83	  	 	 	28	  	 	 	27	  	 	 	29	  	 	 	27	  	 	 	111	  	
Amortization of deferred acquisition costs and intangibles	  	 	10	  	 	 	10	  	 	 	10	  	 	 	30	  	 	 	9	  	 	 	9	  	 	 	11	  	 	 	10	  	 	 	39	  	
Interest expense	  	 	6	  	 	 	5	  	 	 	6	  	 	 	17	  	 	 	6	  	 	 	5	  	 	 	6	  	 	 	6	  	 	 	23	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	88	  	 	 	92	  	 	 	97	  	 	 	277	  	 	 	104	  	 	 	98	  	 	 	97	  	 	 	102	  	 	 	401	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES	  	 	109	  	 	 	104	  	 	 	101	  	 	 	314	  	 	 	96	  	 	 	109	  	 	 	112	  	 	 	105	  	 	 	422	  	
Provision for income taxes	  	 	29	  	 	 	30	  	 	 	29	  	 	 	88	  	 	 	23	  	 	 	32	  	 	 	47	  	 	 	19	  	 	 	121	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	  	 	80	  	 	 	74	  	 	 	72	  	 	 	226	  	 	 	73	  	 	 	77	  	 	 	65	  	 	 	86	  	 	 	301	  	
Less: net income attributable to noncontrolling interests	  	 	36	  	 	 	33	  	 	 	33	  	 	 	102	  	 	 	33	  	 	 	36	  	 	 	36	  	 	 	34	  	 	 	139	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	44	  	 	 	41	  	 	 	39	  	 	 	124	  	 	 	40	  	 	 	41	  	 	 	29	  	 	 	52	  	 	 	162	  	
	 									
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	(4	) 	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	 	 	(3	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	  	$	42	  	 	$	41	  	 	$	37	  	 	$	120	  	 	$	40	  	 	$	40	  	 	$	28	  	 	$	51	  	 	$	159	  	

Effective tax rate (operating income)	  	 	25.6	% 	 	 	30.0	% 	 	 	29.3	% 	 	 	28.2	% 	 	 	23.3	% 	 	 	31.3	% 	 	 	53.8	% 	 	 	9.1	% 	 	 	30.0	% 	
										
SALES:	  				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				
Flow	  	$	7,200	  	 	$	5,700	  	 	$	3,500	  	 	$	16,400	  	 	$	5,200	  	 	$	6,800	  	 	$	6,400	  	 	$	4,400	  	 	$	22,800	  	
Bulk	  	 	2,600	  	 	 	13,100	  	 	 	500	  	 	 	16,200	  	 	 	1,000	  	 	 	600	  	 	 	1,500	  	 	 	1,100	  	 	 	4,200	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Canada NIW (2)	  	$	9,800	  	 	$	18,800	  	 	$	4,000	  	 	$	32,600	  	 	$	6,200	  	 	$	7,400	  	 	$	7,900	  	 	$	5,500	  	 	$	27,000	  	

 

(1)  	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $44 million and $124 million for the three and nine months ended September 30, 2012, respectively.	
(2)  	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $10,300 million and $33,800 million for the three and nine months ended September 30, 2012, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss) and Sales—International Mortgage Insurance Segment—Australia
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	98	  	 	$	98	  	 	$	91	  	 	$	287	  	 	$	96	  	 	$	105	  	 	$	98	  	 	$	93	  	 	$	392	  	
Net investment income	  	 	44	  	 	 	46	  	 	 	47	  	 	 	137	  	 	 	46	  	 	 	49	  	 	 	46	  	 	 	43	  	 	 	184	  	
Net investment gains (losses)	  	 	(2	) 	 	 	4	  	 	 	(5	) 	 	 	(3	) 	 	 	2	  	 	 	30	  	 	 	2	  	 	 	—  	  	 	 	34	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	140	  	 	 	148	  	 	 	133	  	 	 	421	  	 	 	145	  	 	 	184	  	 	 	147	  	 	 	136	  	 	 	612	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	46	  	 	 	53	  	 	 	138	  	 	 	237	  	 	 	43	  	 	 	51	  	 	 	47	  	 	 	42	  	 	 	183	  	
Acquisition and operating expenses, net of deferrals	  	 	26	  	 	 	23	  	 	 	23	  	 	 	72	  	 	 	24	  	 	 	26	  	 	 	22	  	 	 	21	  	 	 	93	  	
Amortization of deferred acquisition costs and intangibles	  	 	6	  	 	 	6	  	 	 	7	  	 	 	19	  	 	 	6	  	 	 	7	  	 	 	7	  	 	 	7	  	 	 	27	  	
Interest expense	  	 	3	  	 	 	3	  	 	 	4	  	 	 	10	  	 	 	4	  	 	 	4	  	 	 	—  	  	 	 	—  	  	 	 	8	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	81	  	 	 	85	  	 	 	172	  	 	 	338	  	 	 	77	  	 	 	88	  	 	 	76	  	 	 	70	  	 	 	311	  	

INCOME (LOSS) BEFORE INCOME TAXES	  	 	59	  	 	 	63	  	 	 	(39	) 	 	 	83	  	 	 	68	  	 	 	96	  	 	 	71	  	 	 	66	  	 	 	301	  	
Provision (benefit) for income taxes	  	 	4	  	 	 	16	  	 	 	(15	) 	 	 	5	  	 	 	13	  	 	 	40	  	 	 	16	  	 	 	14	  	 	 	83	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	55	  	 	 	47	  	 	 	(24	) 	 	 	78	  	 	 	55	  	 	 	56	  	 	 	55	  	 	 	52	  	 	 	218	  	
Less: net income attributable to noncontrolling interests	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	55	  	 	 	47	  	 	 	(24	) 	 	 	78	  	 	 	55	  	 	 	56	  	 	 	55	  	 	 	52	  	 	 	218	  	
	 									
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	 	 	(3	) 	 	 	3	  	 	 	2	  	 	 	(1	) 	 	 	(20	) 	 	 	(1	) 	 	 	—  	  	 	 	(22	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS) (1)	  	$	57	  	 	$	44	  	 	$	(21	) 	 	$	80	  	 	$	54	  	 	$	36	  	 	$	54	  	 	$	52	  	 	$	196	  	

Effective tax rate (operating income (loss))	  	 	8.2	% 	 	 	24.8	% 	 	 	39.9	% 	 	 	6.8	% 	 	 	18.7	% 	 	 	46.5	% 	 	 	22.2	% 	 	 	21.7	% 	 	 	27.2	% 	
										
SALES:	  				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				
Flow	  	$	8,800	  	 	$	8,200	  	 	$	7,700	  	 	$	24,700	  	 	$	7,900	  	 	$	7,100	  	 	$	6,700	  	 	$	5,500	  	 	$	27,200	  	
Bulk	  	 	—  	  	 	 	300	  	 	 	300	  	 	 	600	  	 	 	1,100	  	 	 	100	  	 	 	2,300	  	 	 	1,000	  	 	 	4,500	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Australia NIW (2)	  	$	8,800	  	 	$	8,500	  	 	$	8,000	  	 	$	25,300	  	 	$	9,000	  	 	$	7,200	  	 	$	9,000	  	 	$	6,500	  	 	$	31,700	  	

 

(1)  	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $60 million and $85 million for the three and nine months ended September 30, 2012, respectively.	
(2)  	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $9,200 million and $25,500 million for the three and nine months ended September 30, 2012, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Loss and Sales—International Mortgage Insurance Segment—Other Countries
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	11	  	 	$	10	  	 	$	11	  	 	$	32	  	 	$	11	  	 	$	15	  	 	$	13	  	 	$	13	  	 	$	52	  	
Net investment income	  	 	2	  	 	 	1	  	 	 	3	  	 	 	6	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	4	  	 	 	13	  	
Net investment gains (losses)	  	 	—  	  	 	 	6	  	 	 	1	  	 	 	7	  	 	 	(1	) 	 	 	(1	) 	 	 	1	  	 	 	1	  	 	 	—  	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	4	  	 	 	1	  	 	 	7	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	13	  	 	 	17	  	 	 	15	  	 	 	45	  	 	 	15	  	 	 	17	  	 	 	21	  	 	 	19	  	 	 	72	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	9	  	 	 	14	  	 	 	14	  	 	 	37	  	 	 	19	  	 	 	11	  	 	 	9	  	 	 	8	  	 	 	47	  	
Acquisition and operating expenses, net of deferrals	  	 	8	  	 	 	9	  	 	 	10	  	 	 	27	  	 	 	8	  	 	 	12	  	 	 	12	  	 	 	12	  	 	 	44	  	
Amortization of deferred acquisition costs and intangibles	  	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest expense	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	18	  	 	 	23	  	 	 	24	  	 	 	65	  	 	 	27	  	 	 	23	  	 	 	21	  	 	 	20	  	 	 	91	  	

LOSS BEFORE INCOME TAXES	  	 	(5	) 	 	 	(6	) 	 	 	(9	) 	 	 	(20	) 	 	 	(12	) 	 	 	(6	) 	 	 	—  	  	 	 	(1	) 	 	 	(19	) 	
Provision (benefit) for income taxes	  	 	1	  	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	2	  	 	 	3	  	 	 	3	  	 	 	8	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	  	 	(6	) 	 	 	(5	) 	 	 	(8	) 	 	 	(19	) 	 	 	(12	) 	 	 	(8	) 	 	 	(3	) 	 	 	(4	) 	 	 	(27	) 	
Less: net income attributable to noncontrolling interests	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	(6	) 	 	 	(5	) 	 	 	(8	) 	 	 	(19	) 	 	 	(12	) 	 	 	(8	) 	 	 	(3	) 	 	 	(4	) 	 	 	(27	) 	
	 									
ADJUSTMENT TO NET LOSS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	1	  	 	 	(4	) 	 	 	(1	) 	 	 	(4	) 	 	 	1	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS (1)	  	$	(5	) 	 	$	(9	) 	 	$	(9	) 	 	$	(23	) 	 	$	(11	) 	 	$	(8	) 	 	$	(4	) 	 	$	(4	) 	 	$	(27	) 	

Effective tax rate (operating loss)	  	 	-0.6	% 	 	 	26.7	% 	 	 	10.1	% 	 	 	14.2	% 	 	 	-1.5	% 	 	 	-40.9	% 	 	 	NM 	(3)  	 	 	-113.4	% 	 	 	-41.4	% 	
										
SALES:	  				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				
Flow	  	$	400	  	 	$	500	  	 	$	300	  	 	$	1,200	  	 	$	400	  	 	$	500	  	 	$	600	  	 	$	500	  	 	$	2,000	  	
Bulk	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	300	  	 	 	300	  	 	 	300	  	 	 	200	  	 	 	1,100	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Other Countries NIW (2)	  	$	400	  	 	$	500	  	 	$	300	  	 	$	1,200	  	 	$	700	  	 	$	800	  	 	$	900	  	 	$	700	  	 	$	3,100	  	

 

(1)  	Net operating loss for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $(6) million and $(24) million for the three and nine months ended September 30, 2012, respectively.	
(2)  	New insurance written for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $500 million and $1,300 million for the three and nine months ended September 30, 2012, respectively.	
(3)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  			 	  				 				 				 				 				 				 				 				
Canada	  	$	176	  	  	$	175	  	 	$	79	  	 	$	430	  	 	$	122	  	 	$	164	  	 	$	155	  	 	$	101	  	 	$	542	  	
Australia	  	 	131	  	  	 	103	  	 	 	102	  	 	 	336	  	 	 	104	  	 	 	92	  	 	 	90	  	 	 	61	  	 	 	347	  	
Other Countries (1)	  	 	7	  	  	 	7	  	 	 	6	  	 	 	20	  	 	 	7	  	 	 	5	  	 	 	12	  	 	 	10	  	 	 	34	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Net Premiums Written	  	$	314	  	  	$	285	  	 	$	187	  	 	$	786	  	 	$	233	  	 	$	261	  	 	$	257	  	 	$	172	  	 	$	923	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (2) 	  			 	  				 				 				 				 				 				 				 				
Canada	  	 	30	% 	  	 	32	% 	 	 	38	% 	 	 	33	% 	 	 	40	% 	 	 	36	% 	 	 	33	% 	 	 	38	% 	 	 	37	% 	
Australia	  	 	47	% 	  	 	54	% 	 	 	154	% 	 	 	83	% 	 	 	46	% 	 	 	48	% 	 	 	48	% 	 	 	45	% 	 	 	47	% 	
Other Countries	  	 	97	% 	  	 	129	% 	 	 	128	% 	 	 	119	% 	 	 	165	% 	 	 	85	% 	 	 	59	% 	 	 	62	% 	 	 	91	% 	
Total International Loss Ratio	  	 	39	% 	  	 	45	% 	 	 	84	% 	 	 	56	% 	 	 	48	% 	 	 	43	% 	 	 	40	% 	 	 	42	% 	 	 	43	% 	
	 									
GAAP Basis Expense Ratio (3) 	  			 	  				 				 				 				 				 				 				 				
Canada	  	 	26	% 	  	 	26	% 	 	 	25	% 	 	 	26	% 	 	 	25	% 	 	 	23	% 	 	 	25	% 	 	 	24	% 	 	 	24	% 	
Australia	  	 	32	% 	  	 	30	% 	 	 	33	% 	 	 	32	% 	 	 	30	% 	 	 	32	% 	 	 	29	% 	 	 	30	% 	 	 	31	% 	
Other Countries (1)	  	 	85	% 	  	 	82	% 	 	 	94	% 	 	 	87	% 	 	 	68	% 	 	 	88	% 	 	 	94	% 	 	 	87	% 	 	 	85	% 	
Total International GAAP Basis Expense Ratio	  	 	30	% 	  	 	30	% 	 	 	31	% 	 	 	30	% 	 	 	29	% 	 	 	30	% 	 	 	30	% 	 	 	29	% 	 	 	30	% 	
	 									
Adjusted Expense Ratio (4) 	  			 	  				 				 				 				 				 				 				 				
Canada	  	 	21	% 	  	 	22	% 	 	 	46	% 	 	 	26	% 	 	 	31	% 	 	 	22	% 	 	 	25	% 	 	 	37	% 	 	 	28	% 	
Australia	  	 	24	% 	  	 	29	% 	 	 	29	% 	 	 	27	% 	 	 	28	% 	 	 	37	% 	 	 	32	% 	 	 	46	% 	 	 	34	% 	
Other Countries (1)	  	 	118	% 	  	 	131	% 	 	 	162	% 	 	 	136	% 	 	 	108	% 	 	 	258	% 	 	 	108	% 	 	 	114	% 	 	 	129	% 	
Total International Adjusted Expense Ratio	  	 	25	% 	  	 	27	% 	 	 	41	% 	 	 	29	% 	 	 	32	% 	 	 	31	% 	 	 	32	% 	 	 	45	% 	 	 	34	% 	
	 									
Primary Insurance In-Force	  			 	  				 				 				 				 				 				 				 				
Canada	  	$	299,600	  	  	$	281,700	  	 	$	269,100	  	 				 	$	261,300	  	 	$	250,200	  	 	$	264,700	  	 	$	256,700	  	 				
Australia	  	 	291,500	  	  	 	286,200	  	 	 	287,100	  	 				 	 	281,500	  	 	 	264,300	  	 	 	296,200	  	 	 	284,600	  	 				
Other Countries	  	 	31,900	  	  	 	31,400	  	 	 	33,600	  	 				 	 	32,600	  	 	 	33,600	  	 	 	37,000	  	 	 	36,200	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total International Primary Insurance In-Force	  	$	623,000	  	  	$	599,300	  	 	$	589,800	  	 				 	$	575,400	  	 	$	548,100	  	 	$	597,900	  	 	$	577,500	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Risk In-Force (5) 	  			 	  				 				 				 				 				 				 				 				
Canada	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	81,300	  	  	$	76,600	  	 	$	76,200	  	 				 	$	74,000	  	 	$	70,600	  	 	$	74,400	  	 	$	72,200	  	 				
Bulk	  	 	23,500	  	  	 	22,000	  	 	 	18,000	  	 				 	 	17,500	  	 	 	16,900	  	 	 	18,200	  	 	 	17,700	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Canada	  	 	104,800	  	  	 	98,600	  	 	 	94,200	  	 				 	 	91,500	  	 	 	87,500	  	 	 	92,600	  	 	 	89,900	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Australia	  			 	  				 				 				 				 				 				 				 				
Flow	  	 	93,100	  	  	 	90,600	  	 	 	90,600	  	 				 	 	88,700	  	 	 	83,300	  	 	 	93,200	  	 	 	90,000	  	 				
Bulk	  	 	9,000	  	  	 	9,600	  	 	 	9,900	  	 				 	 	9,800	  	 	 	9,200	  	 	 	10,500	  	 	 	9,600	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Australia	  	 	102,100	  	  	 	100,200	  	 	 	100,500	  	 				 	 	98,500	  	 	 	92,500	  	 	 	103,700	  	 	 	99,600	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Other Countries	  			 	  				 				 				 				 				 				 				 				
Flow (1)	  	 	3,900	  	  	 	3,900	  	 	 	4,200	  	 				 	 	4,100	  	 	 	4,400	  	 	 	4,800	  	 	 	4,700	  	 				
Bulk	  	 	400	  	  	 	400	  	 	 	400	  	 				 	 	400	  	 	 	400	  	 	 	500	  	 	 	500	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Other Countries	  	 	4,300	  	  	 	4,300	  	 	 	4,600	  	 				 	 	4,500	  	 	 	4,800	  	 	 	5,300	  	 	 	5,200	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total International Primary Risk In-Force	  	$	211,200	  	  	$	203,100	  	 	$	199,300	  	 				 	$	194,500	  	 	$	184,800	  	 	$	201,600	  	 	$	194,700	  	 				

The loss and expense ratios included above were calculated using whole dollars and may be different than the ratios calculated using the rounded numbers included herein.

(1)  	Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe. Primary flow risk in-force excludes $183 million, $154 million, $134 million, $114 million and $92 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.	
(2)  	The ratio of incurred losses and loss adjustment expense to net earned premiums. In determining the pricing of the mortgage insurance products, the company develops a pricing loss ratio which uses industry and company loss experience over a number of years, which incorporate both favorable and unfavorable economic environments, differing coverage levels and varying capital requirements. Actual results may vary from pricing loss ratios for a number of reasons, which include differing economic conditions and actual individual product and lender performance. New business pricing loss ratios for the international businesses were as follows for all periods: Canada 35%-40%, Australia 25%-35% and Europe 40%-45%.	
(3)  	The ratio of an insurer’s general expenses to net earned premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.	
(4)  	The ratio of an insurer’s general expenses to net premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.	
(5)  	The businesses in Australia and Canada currently provide 100% coverage on the majority of the loans the company insures in those markets. For the purpose of representing the risk in-force, the company has computed an “effective risk in-force” amount which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor that represents the highest expected average per-claim payment for any one underwriting year over the life of the businesses in Australia and Canada. This factor was 35% for all periods presented.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Canada
(dollar amounts in millions)

Primary Insurance	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
Insured loans in-force	 	 	1,483,111	  	 	 	1,452,408	  	 	 	1,371,140	  	 	 	1,362,092	  	 	 	1,346,546	  	
Insured delinquent loans	 	 	2,183	  	 	 	2,408	  	 	 	2,623	  	 	 	2,752	  	 	 	2,868	  	
Insured delinquency rate	 	 	0.15	% 	 	 	0.17	% 	 	 	0.19	% 	 	 	0.20	% 	 	 	0.21	% 	
						
Flow loans in-force	 	 	1,112,910	  	 	 	1,091,543	  	 	 	1,074,281	  	 	 	1,064,942	  	 	 	1,049,959	  	
Flow delinquent loans	 	 	1,943	  	 	 	2,125	  	 	 	2,335	  	 	 	2,477	  	 	 	2,594	  	
Flow delinquency rate	 	 	0.17	% 	 	 	0.19	% 	 	 	0.22	% 	 	 	0.23	% 	 	 	0.25	% 	
						
Bulk loans in-force	 	 	370,201	  	 	 	360,865	  	 	 	296,859	  	 	 	297,150	  	 	 	296,587	  	
Bulk delinquent loans	 	 	240	  	 	 	283	  	 	 	288	  	 	 	275	  	 	 	274	  	
Bulk delinquency rate	 	 	0.06	% 	 	 	0.08	% 	 	 	0.10	% 	 	 	0.09	% 	 	 	0.09	% 	
						
Loss Metrics	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
Beginning Reserves	 	$	141	  	 	$	149	  	 	$	161	  	 	$	142	  	 	$	174	  	
Paid claims	 	 	(54	) 	 	 	(54	) 	 	 	(62	) 	 	 	(64	) 	 	 	(74	) 	
Increase in reserves	 	 	44	  	 	 	48	  	 	 	55	  	 	 	82	  	 	 	56	  	
Impact of changes in foreign exchange rates	 	 	5	  	 	 	(2	) 	 	 	(5	) 	 	 	1	  	 	 	(14	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reserves	 	$	136	  	 	$	141	  	 	$	149	  	 	$	161	  	 	$	142	  	

																									
 	  	September 30, 2012	 	 	June 30, 2012	 	 	September 30, 2011	 	
Province and Territory	  	% of Primary
Risk In-Force	 	 	Primary
Delinquency Rate	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency Rate	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency Rate	 	
Ontario	  	 	46	% 	 	 	0.09	% 	 	 	47	% 	 	 	0.10	% 	 	 	46	% 	 	 	0.13	% 	
British Columbia	  	 	16	  	 	 	0.18	% 	 	 	16	  	 	 	0.22	% 	 	 	16	  	 	 	0.27	% 	
Alberta	  	 	16	  	 	 	0.24	% 	 	 	16	  	 	 	0.29	% 	 	 	16	  	 	 	0.46	% 	
Quebec	  	 	14	  	 	 	0.20	% 	 	 	14	  	 	 	0.22	% 	 	 	15	  	 	 	0.22	% 	
Nova Scotia	  	 	2	  	 	 	0.18	% 	 	 	2	  	 	 	0.17	% 	 	 	2	  	 	 	0.24	% 	
Saskatchewan	  	 	2	  	 	 	0.13	% 	 	 	2	  	 	 	0.12	% 	 	 	2	  	 	 	0.16	% 	
Manitoba	  	 	2	  	 	 	0.07	% 	 	 	1	  	 	 	0.09	% 	 	 	1	  	 	 	0.10	% 	
New Brunswick	  	 	1	  	 	 	0.22	% 	 	 	1	  	 	 	0.19	% 	 	 	1	  	 	 	0.28	% 	
All Other	  	 	1	  	 	 	0.12	% 	 	 	1	  	 	 	0.12	% 	 	 	1	  	 	 	0.07	% 	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.15	% 	 	 	100	% 	 	 	0.17	% 	 	 	100	% 	 	 	0.21	% 	

By Policy Year	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
2004 and prior	  	 	23	% 	 	 	0.03	% 	 	 	23	% 	 	 	0.03	% 	 	 	26	% 	 	 	0.05	% 	
2005	  	 	7	  	 	 	0.08	% 	 	 	7	  	 	 	0.11	% 	 	 	8	  	 	 	0.13	% 	
2006	  	 	8	  	 	 	0.18	% 	 	 	8	  	 	 	0.19	% 	 	 	9	  	 	 	0.26	% 	
2007	  	 	16	  	 	 	0.26	% 	 	 	18	  	 	 	0.29	% 	 	 	19	  	 	 	0.40	% 	
2008	  	 	10	  	 	 	0.35	% 	 	 	10	  	 	 	0.41	% 	 	 	11	  	 	 	0.57	% 	
2009	  	 	6	  	 	 	0.30	% 	 	 	6	  	 	 	0.34	% 	 	 	7	  	 	 	0.34	% 	
2010	  	 	10	  	 	 	0.27	% 	 	 	10	  	 	 	0.27	% 	 	 	12	  	 	 	0.17	% 	
2011	  	 	9	  	 	 	0.14	% 	 	 	10	  	 	 	0.12	% 	 	 	8	  	 	 	0.02	% 	
2012	  	 	11	  	 	 	0.01	% 	 	 	8	  	 	 	—  	% 	 	 	—  	  	 	 	—  	% 	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.15	% 	 	 	100	% 	 	 	0.17	% 	 	 	100	% 	 	 	0.21	% 	

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Canada
(Canadian dollar amounts in millions)

 	  	2012	 	  	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	  				 				 				  				 				 				 				 				
Flow	  	$	52	  	  	$	52	  	 	$	62	  	 	$	166	  	  	$	62	  	 	$	70	  	 	$	75	  	 	$	64	  	 	$	271	  	
Bulk	  	 	2	  	  	 	2	  	 	 	2	  	 	 	6	  	  	 	3	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	8	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	54	  	  	$	54	  	 	$	64	  	 	$	172	  	  	$	65	  	 	$	72	  	 	$	77	  	 	$	65	  	 	$	279	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Average Paid Claim (in thousands)	  	$	80.9	  	  	$	76.7	  	 	$	73.0	  	 				  	$	80.6	  	 	$	80.5	  	 	$	82.3	  	 	$	77.0	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  	$	61.1	  	  	$	59.4	  	 	$	56.6	  	 				  	$	57.7	  	 	$	51.5	  	 	$	51.0	  	 	$	56.2	  	 				
	 									
Loss Metrics	  			 	  				 				 				  				 				 				 				 				
	 									
Beginning Reserves	  	$	143	  	  	$	148	  	 	$	164	  	 				  	$	148	  	 	$	167	  	 	$	194	  	 	$	200	  	 				
Paid claims	  	 	(54	) 	  	 	(54	) 	 	 	(64	) 	 				  	 	(65	) 	 	 	(72	) 	 	 	(77	) 	 	 	(65	) 	 				
Increase in reserves	  	 	45	  	  	 	49	  	 	 	48	  	 				  	 	81	  	 	 	53	  	 	 	50	  	 	 	59	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	134	  	  	$	143	  	 	$	148	  	 				  	$	164	  	 	$	148	  	 	$	167	  	 	$	194	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount	  			 	  				 				 				  				 				 				 				 				
	 									
Over $550K	  	 	5	% 	  	 	5	% 	 	 	5	% 	 				  	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 				
$400K to $550K	  	 	9	  	  	 	9	  	 	 	8	  	 				  	 	8	  	 	 	8	  	 	 	8	  	 	 	8	  	 				
$250K to $400K	  	 	30	  	  	 	30	  	 	 	30	  	 				  	 	30	  	 	 	30	  	 	 	29	  	 	 	29	  	 				
$100K to $250K	  	 	50	  	  	 	50	  	 	 	51	  	 				  	 	52	  	 	 	52	  	 	 	52	  	 	 	52	  	 				
$100K or Less	  	 	6	  	  	 	6	  	 	 	6	  	 				  	 	6	  	 	 	6	  	 	 	7	  	 	 	7	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Average Primary Loan Size (in thousands)	  	$	199	  	  	$	197	  	 	$	196	  	 				  	$	195	  	 	$	194	  	 	$	192	  	 	$	191	  	 				
										
Average Effective Loan-To-Value Ratios By Policy Year  (1)  	  				  				 				 				  				 				 				 				 				
										
2006 and prior	  	 	40	% 	  	 	41	% 	 	 	42	% 	 				  	 	44	% 	 				 				 				 				
2007	  	 	69	% 	  	 	69	% 	 	 	71	% 	 				  	 	72	% 	 				 				 				 				
2008	  	 	73	% 	  	 	74	% 	 	 	76	% 	 				  	 	76	% 	 				 				 				 				
2009	  	 	75	% 	  	 	76	% 	 	 	78	% 	 				  	 	79	% 	 				 				 				 				
2010	  	 	82	% 	  	 	83	% 	 	 	85	% 	 				  	 	86	% 	 				 				 				 				
2011	  	 	88	% 	  	 	88	% 	 	 	91	% 	 				  	 	91	% 	 				 				 				 				
2012	  	 	91	% 	  	 	91	% 	 	 	—  	% 	 				  	 	—  	% 	 				 				 				 				
Total Flow	  	 	56	% 	  	 	56	% 	 	 	57	% 	 				  	 	58	% 	 				 				 				 				
										
Total Bulk	  	 	29	% 	  	 	26	% 	 	 	28	% 	 				  	 	29	% 	 				 				 				 				
										
Total	  	 	50	% 	  	 	50	% 	 	 	51	% 	 				  	 	52	% 	 				 				 				 				
All amounts presented in Canadian dollars.

(1)  	Loan amounts (including capitalized premiums) reflect interest rates at time of loan origination and estimated scheduled principal repayments since loan origination. Home price estimates based on regional home price appreciation/depreciation data from the Canadian Real Estate Association. All data used in the effective loan-to-value ratio calculation reflects conditions as of the end of the previous quarter.	
 
44

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(dollar amounts in millions)

Primary Insurance	  	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
Insured loans in-force	  	 	1,440,397	  	 	 	1,449,648	  	 	 	1,442,867	  	 	 	1,437,380	  	 	 	1,428,328	  	
Insured delinquent loans	  	 	6,791	  	 	 	7,527	  	 	 	7,837	  	 	 	7,874	  	 	 	8,464	  	
Insured delinquency rate	  	 	0.47	% 	 	 	0.52	% 	 	 	0.54	% 	 	 	0.55	% 	 	 	0.59	% 	
						
Flow loans in-force	  	 	1,306,316	  	 	 	1,304,944	  	 	 	1,295,907	  	 	 	1,289,200	  	 	 	1,280,741	  	
Flow delinquent loans	  	 	6,475	  	 	 	7,253	  	 	 	7,559	  	 	 	7,626	  	 	 	8,208	  	
Flow delinquency rate	  	 	0.50	% 	 	 	0.56	% 	 	 	0.58	% 	 	 	0.59	% 	 	 	0.64	% 	
						
Bulk loans in-force	  	 	134,081	  	 	 	144,704	  	 	 	146,960	  	 	 	148,180	  	 	 	147,587	  	
Bulk delinquent loans	  	 	316	  	 	 	274	  	 	 	278	  	 	 	248	  	 	 	256	  	
Bulk delinquency rate	  	 	0.24	% 	 	 	0.19	% 	 	 	0.19	% 	 	 	0.17	% 	 	 	0.17	% 	
						
Loss Metrics	  	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
Beginning Reserves	  	$	320	  	 	$	342	  	 	$	272	  	 	$	247	  	 	$	248	  	
Paid claims	  	 	(83	) 	 	 	(72	) 	 	 	(69	) 	 	 	(32	) 	 	 	(26	) 	
Increase in reserves	  	 	46	  	 	 	53	  	 	 	138	  	 	 	44	  	 	 	50	  	
Impact of changes in foreign exchange rates	  	 	4	  	 	 	(3	) 	 	 	1	  	 	 	13	  	 	 	(25	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reserves	  	$	287	  	 	$	320	  	 	$	342	  	 	$	272	  	 	$	247	  	

																									
				
 	  	September 30, 2012	 	 	June 30, 2012	 	 	September 30, 2011	 	
State and Territory	  	% of Primary Risk
In-Force	 	 	Primary
Delinquency Rate	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency Rate	 	 	% of Primary Risk
In-Force	 	 	Primary
Delinquency Rate	 	
New South Wales	  	 	30	% 	 	 	0.45	% 	 	 	30	% 	 	 	0.50	% 	 	 	31	% 	 	 	0.60	% 	
Victoria	  	 	23	  	 	 	0.34	% 	 	 	23	  	 	 	0.36	% 	 	 	23	  	 	 	0.42	% 	
Queensland	  	 	23	  	 	 	0.69	% 	 	 	23	  	 	 	0.76	% 	 	 	22	  	 	 	0.84	% 	
Western Australia	  	 	11	  	 	 	0.46	% 	 	 	11	  	 	 	0.52	% 	 	 	11	  	 	 	0.59	% 	
South Australia	  	 	6	  	 	 	0.51	% 	 	 	6	  	 	 	0.56	% 	 	 	6	  	 	 	0.52	% 	
New Zealand	  	 	2	  	 	 	0.64	% 	 	 	2	  	 	 	0.81	% 	 	 	2	  	 	 	1.12	% 	
Australian Capital Territory	  	 	2	  	 	 	0.11	% 	 	 	2	  	 	 	0.08	% 	 	 	2	  	 	 	0.14	% 	
Tasmania	  	 	2	  	 	 	0.41	% 	 	 	2	  	 	 	0.41	% 	 	 	2	  	 	 	0.40	% 	
Northern Territory	  	 	1	  	 	 	0.18	% 	 	 	1	  	 	 	0.26	% 	 	 	1	  	 	 	0.27	% 	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.47	% 	 	 	100	% 	 	 	0.52	% 	 	 	100	% 	 	 	0.59	% 	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
By Policy Year	  				 				 				 				 				 				
2004 and prior	  	 	23	% 	 	 	0.13	% 	 	 	23	% 	 	 	0.14	% 	 	 	25	% 	 	 	0.16	% 	
2005	  	 	7	  	 	 	0.52	% 	 	 	8	  	 	 	0.56	% 	 	 	8	  	 	 	0.58	% 	
2006	  	 	10	  	 	 	0.72	% 	 	 	10	  	 	 	0.77	% 	 	 	11	  	 	 	0.85	% 	
2007	  	 	11	  	 	 	0.96	% 	 	 	12	  	 	 	1.03	% 	 	 	13	  	 	 	1.22	% 	
2008	  	 	10	  	 	 	1.19	% 	 	 	11	  	 	 	1.33	% 	 	 	12	  	 	 	1.50	% 	
2009	  	 	12	  	 	 	0.80	% 	 	 	13	  	 	 	0.89	% 	 	 	14	  	 	 	0.83	% 	
2010	  	 	9	  	 	 	0.34	% 	 	 	9	  	 	 	0.33	% 	 	 	10	  	 	 	0.18	% 	
2011	  	 	9	  	 	 	0.15	% 	 	 	9	  	 	 	0.10	% 	 	 	7	  	 	 	0.01	% 	
2012	  	 	9	  	 	 	0.02	% 	 	 	5	  	 	 	0.01	% 	 	 	—  	  	 	 	—  	% 	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.47	% 	 	 	100	% 	 	 	0.52	% 	 	 	100	% 	 	 	0.59	% 	

45

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(Australian dollar amounts in millions)

 	  	2012	 	  	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	  				 				 				  				 				 				 				 				
Flow	  	$	79	  	  	$	70	  	 	$	66	  	 	$	215	  	  	$	30	  	 	$	25	  	 	$	29	  	 	$	26	  	 	$	110	  	
Bulk	  	 	1	  	  	 	—  	  	 	 	—  	  	 	 	1	  	  	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	80	  	  	$	70	  	 	$	66	  	 	$	216	  	  	$	31	  	 	$	25	  	 	$	30	  	 	$	26	  	 	$	112	  	

Average Paid Claim (in thousands)	  	$	83.5	  	  	$	91.2	  	 	$	77.1	  	 				  	$	64.6	  	 	$	62.4	  	 	$	75.9	  	 	$	71.2	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  	$	40.8	  	  	$	41.5	  	 	$	42.2	  	 				  	$	33.7	  	 	$	30.0	  	 	$	28.2	  	 	$	28.5	  	 				
	 									
Loss Metrics	  			 	  				 				 				  				 				 				 				 				
	 									
Beginning Reserves	  	$	312	  	  	$	331	  	 	$	266	  	 				  	$	255	  	 	$	232	  	 	$	216	  	 	$	201	  	 				
Paid claims	  	 	(80	) 	  	 	(70	) 	 	 	(66	) 	 				  	 	(31	) 	 	 	(25	) 	 	 	(30	) 	 	 	(26	) 	 				
Increase in reserves	  	 	45	  	  	 	51	  	 	 	131	  	 				  	 	42	  	 	 	48	  	 	 	46	  	 	 	41	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	277	  	  	$	312	  	 	$	331	  	 				  	$	266	  	 	$	255	  	 	$	232	  	 	$	216	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount	  			 	  				 				 				  				 				 				 				 				
	 									
Over $550K	  	 	11	% 	  	 	11	% 	 	 	11	% 	 				  	 	11	% 	 	 	11	% 	 	 	11	% 	 	 	11	% 	 				
$400K to $550K	  	 	16	  	  	 	16	  	 	 	15	  	 				  	 	15	  	 	 	15	  	 	 	14	  	 	 	14	  	 				
$250K to $400K	  	 	37	  	  	 	36	  	 	 	36	  	 				  	 	36	  	 	 	36	  	 	 	36	  	 	 	36	  	 				
$100K to $250K	  	 	30	  	  	 	30	  	 	 	31	  	 				  	 	31	  	 	 	31	  	 	 	32	  	 	 	32	  	 				
$100K or Less	  	 	6	  	  	 	7	  	 	 	7	  	 				  	 	7	  	 	 	7	  	 	 	7	  	 	 	7	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				

Average Primary Loan Size (in thousands)	  	$	195	  	  	$	193	  	 	$	192	  	 				  	$	191	  	 	$	191	  	 	$	190	  	 	$	189	  	 				
										
Average Effective Loan-To-Value Ratios By Policy Year (1) 	  	 	 	  	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
										
2006 and prior	  	 	49	% 	  	 	49	% 	 	 	48	% 	 				  	 	49	% 	 				 				 				 				
2007	  	 	69	% 	  	 	69	% 	 	 	67	% 	 				  	 	68	% 	 				 				 				 				
2008	  	 	77	% 	  	 	77	% 	 	 	74	% 	 				  	 	74	% 	 				 				 				 				
2009	  	 	80	% 	  	 	80	% 	 	 	78	% 	 				  	 	79	% 	 				 				 				 				
2010	  	 	86	% 	  	 	86	% 	 	 	85	% 	 				  	 	85	% 	 				 				 				 				
2011	  	 	88	% 	  	 	88	% 	 	 	86	% 	 				  	 	86	% 	 				 				 				 				
2012	  	 	86	% 	  	 	86	% 	 	 	—  	% 	 				  	 	—  	% 	 				 				 				 				
Total Flow	  	 	68	% 	  	 	68	% 	 	 	66	% 	 				  	 	66	% 	 				 				 				 				
										
Total Bulk	  	 	38	% 	  	 	38	% 	 	 	38	% 	 				  	 	37	% 	 				 				 				 				
										
Total	  	 	65	% 	  	 	65	% 	 	 	63	% 	 				  	 	62	% 	 				 				 				 				
All amounts presented in Australian dollars.

(1)  	Loan amounts (including capitalized premiums) reflect interest rates at time of loan origination and estimated scheduled principal repayments since loan origination. Home price estimates based on regional home price appreciation/depreciation data from RP Data (except Tasmania which is from the Australian Bureau of Statistics prior to 2Q12). All data used in the effective loan-to-value ratio calculation reflects conditions as of the end of the previous quarter. Effective loan-to-value ratios exclude New Zealand and inward reinsurance policies.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

Risk In-Force by Loan-To-Value Ratio (1) 	  	September 30, 2012	 	  	June 30, 2012	 	
 	  	Primary	 	  	Flow	 	  	Bulk	 	  	Primary	 	  	Flow	 	  	Bulk	 	
Canada	  				  				  				  				  				  				
95.01% and above	  	$	35,760	  	  	$	35,760	  	  	$	—  	  	  	$	33,395	  	  	$	33,395	  	  	$	—  	  	
90.01% to 95.00%	  	 	25,825	  	  	 	25,822	  	  	 	3	  	  	 	24,547	  	  	 	24,545	  	  	 	3	  	
80.01% to 90.00%	  	 	18,911	  	  	 	16,681	  	  	 	2,229	  	  	 	17,732	  	  	 	15,721	  	  	 	2,012	  	
80.00% and below	  	 	24,353	  	  	 	3,056	  	  	 	21,297	  	  	 	22,909	  	  	 	2,893	  	  	 	20,016	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Canada	  	$	104,849	  	  	$	81,319	  	  	$	23,529	  	  	$	98,584	  	  	$	76,554	  	  	$	22,030	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Australia	  				  				  				  				  				  				
95.01% and above	  	$	18,192	  	  	$	18,191	  	  	$	1	  	  	$	17,391	  	  	$	17,391	  	  	$	1	  	
90.01% to 95.00%	  	 	22,536	  	  	 	22,528	  	  	 	8	  	  	 	21,717	  	  	 	21,709	  	  	 	9	  	
80.01% to 90.00%	  	 	26,306	  	  	 	26,214	  	  	 	91	  	  	 	25,681	  	  	 	25,587	  	  	 	94	  	
80.00% and below	  	 	35,008	  	  	 	26,138	  	  	 	8,870	  	  	 	35,397	  	  	 	25,939	  	  	 	9,458	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Australia	  	$	102,042	  	  	$	93,072	  	  	$	8,970	  	  	$	100,187	  	  	$	90,626	  	  	$	9,562	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Other Countries (2)	  				  				  				  				  				  				
95.01% and above	  	$	737	  	  	$	737	  	  	$	—  	  	  	$	742	  	  	$	742	  	  	$	—  	  	
90.01% to 95.00%	  	 	2,023	  	  	 	1,961	  	  	 	62	  	  	 	1,983	  	  	 	1,919	  	  	 	63	  	
80.01% to 90.00%	  	 	1,283	  	  	 	1,010	  	  	 	273	  	  	 	1,289	  	  	 	1,005	  	  	 	284	  	
80.00% and below	  	 	249	  	  	 	213	  	  	 	36	  	  	 	273	  	  	 	236	  	  	 	37	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Other Countries	  	$	4,293	  	  	$	3,921	  	  	$	372	  	  	$	4,286	  	  	$	3,902	  	  	$	384	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Amounts may not total due to rounding.

(1)  	Loan amount in loan-to-value ratio calculation includes capitalized premiums, where applicable.	
(2)	Other Countries flow and primary risk in-force exclude $183 million and $154 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2012 and June 30, 2012, respectively.	
 
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U.S. Mortgage Insurance Segment
 
48

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Loss and Sales—U.S. Mortgage Insurance Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	136	  	 	$	137	  	 	$	137	  	 	$	410	  	 	$	140	  	 	$	140	  	 	$	142	  	 	$	142	  	 	$	564	  	
Net investment income	  	 	20	  	 	 	13	  	 	 	23	  	 	 	56	  	 	 	16	  	 	 	29	  	 	 	26	  	 	 	33	  	 	 	104	  	
Net investment gains (losses)	  	 	(2	) 	 	 	—  	  	 	 	27	  	 	 	25	  	 	 	42	  	 	 	2	  	 	 	1	  	 	 	1	  	 	 	46	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	20	  	 	 	2	  	 	 	22	  	 	 	3	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	5	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	154	  	 	 	170	  	 	 	189	  	 	 	513	  	 	 	201	  	 	 	171	  	 	 	170	  	 	 	177	  	 	 	719	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	174	  	 	 	174	  	 	 	197	  	 	 	545	  	 	 	269	  	 	 	251	  	 	 	526	  	 	 	279	  	 	 	1,325	  	
Acquisition and operating expenses, net of deferrals	  	 	40	  	 	 	33	  	 	 	34	  	 	 	107	  	 	 	35	  	 	 	41	  	 	 	41	  	 	 	39	  	 	 	156	  	
Amortization of deferred acquisition costs and intangibles	  	 	1	  	 	 	2	  	 	 	1	  	 	 	4	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	2	  	 	 	5	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	215	  	 	 	209	  	 	 	232	  	 	 	656	  	 	 	305	  	 	 	293	  	 	 	568	  	 	 	320	  	 	 	1,486	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS BEFORE INCOME TAXES	  	 	(61	) 	 	 	(39	) 	 	 	(43	) 	 	 	(143	) 	 	 	(104	) 	 	 	(122	) 	 	 	(398	) 	 	 	(143	) 	 	 	(767	) 	
Benefit for income taxes	  	 	(23	) 	 	 	(14	) 	 	 	(17	) 	 	 	(54	) 	 	 	(35	) 	 	 	(45	) 	 	 	(144	) 	 	 	(60	) 	 	 	(284	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	  	 	(38	) 	 	 	(25	) 	 	 	(26	) 	 	 	(89	) 	 	 	(69	) 	 	 	(77	) 	 	 	(254	) 	 	 	(83	) 	 	 	(483	) 	
	 									
ADJUSTMENT TO NET LOSS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	 	 	—  	  	 	 	(17	) 	 	 	(17	) 	 	 	(27	) 	 	 	(2	) 	 	 	(1	) 	 	 	—  	  	 	 	(30	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	  	$	(38	) 	 	$	(25	) 	 	$	(43	) 	 	$	(106	) 	 	$	(96	) 	 	$	(79	) 	 	$	(255	) 	 	$	(83	) 	 	$	(513	) 	

Effective tax rate (operating loss)	  	 	37.2	% 	 	 	37.0	% 	 	 	37.4	% 	 	 	37.2	% 	 	 	33.9	% 	 	 	37.2	% 	 	 	36.0	% 	 	 	42.2	% 	 	 	36.9	% 	
										
SALES:	  				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				
Flow	  	$	4,700	  	 	$	3,600	  	 	$	3,000	  	 	$	11,300	  	 	$	3,200	  	 	$	2,700	  	 	$	1,900	  	 	$	2,000	  	 	$	9,800	  	
Bulk	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	400	  	 	 	400	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Mortgage Insurance NIW	  	$	4,700	  	 	$	3,600	  	 	$	3,000	  	 	$	11,300	  	 	$	3,200	  	 	$	2,700	  	 	$	1,900	  	 	$	2,400	  	 	$	10,200	  	

 
49

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Other Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  	$	132	  	  	$	139	  	 	$	142	  	 	$	413	  	 	$	143	  	 	$	143	  	 	$	145	  	 	$	142	  	 	$	573	  	
	 									
New Risk Written	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	1,130	  	  	$	843	  	 	$	688	  	 	$	2,661	  	 	$	710	  	 	$	653	  	 	$	461	  	 	$	439	  	 	$	2,263	  	
Bulk	  	 	—  	  	  	 	—  	  	 	 	7	  	 	 	7	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	27	  	 	 	28	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	1,130	  	  	 	843	  	 	 	695	  	 	 	2,668	  	 	 	711	  	 	 	653	  	 	 	461	  	 	 	466	  	 	 	2,291	  	
Pool	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total New Risk Written	  	$	1,130	  	  	$	843	  	 	$	695	  	 	$	2,668	  	 	$	711	  	 	$	653	  	 	$	461	  	 	$	466	  	 	$	2,291	  	

Primary Insurance In-Force	  	$	111,100	  	  	$	112,000	  	 	$	113,800	  	 				 	$	116,500	  	 	$	119,200	  	 	$	120,900	  	 	$	123,300	  	 				
	 									
Risk In-Force	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	25,849	  	  	$	25,887	  	 	$	26,137	  	 				 	$	26,660	  	 	$	27,206	  	 	$	27,489	  	 	$	27,984	  	 				
Bulk	  	 	507	  	  	 	514	  	 	 	520	  	 				 	 	520	  	 	 	534	  	 	 	540	  	 	 	559	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Primary	  	 	26,356	  	  	 	26,401	  	 	 	26,657	  	 				 	 	27,180	  	 	 	27,740	  	 	 	28,029	  	 	 	28,543	  	 				
Pool	  	 	221	  	  	 	229	  	 	 	239	  	 				 	 	249	  	 	 	271	  	 	 	278	  	 	 	288	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Risk In-Force	  	$	26,577	  	  	$	26,630	  	 	$	26,896	  	 				 	$	27,429	  	 	$	28,011	  	 	$	28,307	  	 	$	28,831	  	 				

Primary Risk In-Force Subject To Captives	  	 	15	% 	  	 	27	% 	 	 	31	% 	 				 	 	33	% 	 	 	36	% 	 	 	38	% 	 	 	41	% 	 				
	 									
Primary Risk In-Force That Is GSE Conforming	  	 	97	% 	  	 	96	% 	 	 	96	% 	 				 	 	96	% 	 	 	96	% 	 	 	96	% 	 	 	96	% 	 				
	 									
GAAP Basis Expense Ratio (1)	  	 	30	% 	  	 	26	% 	 	 	26	% 	 	 	27	% 	 	 	26	% 	 	 	30	% 	 	 	29	% 	 	 	29	% 	 	 	29	% 	
	 									
Adjusted Expense Ratio (2)	  	 	31	% 	  	 	25	% 	 	 	25	% 	 	 	27	% 	 	 	26	% 	 	 	30	% 	 	 	29	% 	 	 	29	% 	 	 	28	% 	
	 									
Flow Persistency	  	 	81	% 	  	 	82	% 	 	 	81	% 	 				 	 	81	% 	 	 	86	% 	 	 	86	% 	 	 	86	% 	 				
	 									
Gross Written Premiums Ceded To Captives/Total Direct Written Premiums	  	 	8	% 	  	 	10	% 	 	 	12	% 	 				 	 	13	% 	 	 	14	% 	 	 	15	% 	 	 	17	% 	 				
	 									
Risk To Capital Ratio (3)	  	 	29.8:1	  	  	 	29.5:1	  	 	 	28.6:1	  	 				 	 	28.8:1	  	 	 	27.5:1	  	 	 	25.0:1	  	 	 	25.0:1	  	 				
	 									
Average Primary Loan Size (in thousands)	  	$	166	  	  	$	165	  	 	$	164	  	 				 	$	163	  	 	$	163	  	 	$	162	  	 	$	162	  	 				
	 									
Estimated Savings For Loss Mitigation Activities (4)	  	$	189	  	  	$	162	  	 	$	158	  	 	$	509	  	 	$	147	  	 	$	168	  	 	$	130	  	 	$	122	  	 	$	567	  	
The expense ratios included above were calculated using whole dollars and may be different than the ratios calculated using the rounded numbers included herein.

(1)	The ratio of an insurer’s general expenses to net earned premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals and amortization of DAC and intangibles.	
(2)	The ratio of an insurer’s general expenses to net written premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals and amortization of DAC and intangibles.	
(3)	Certain states limit a private mortgage insurer’s risk in-force to 25 times the total of the insurer’s policyholders’ surplus plus the statutory contingency reserve, commonly known as the “risk to capital” requirement. The U.S. mortgage insurance business maintains new business writing flexibility in all states, supported by risk-to-capital waivers or existing authority to write new business in 44 states in its primary writing entity, with the remaining six states written out of other available entities. The current period risk to capital ratio is an estimate due to the timing of the filing of statutory statements and is prepared consistent with the presentation of the statutory financial statements in the combined annual statement of the U.S. mortgage insurance business.	
(4)	Loss mitigation activities include rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled pre-sales, claims administration and other loan workouts. Estimated savings for rescissions represent the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings for loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including pre-sales, the estimated savings represent the difference between the full claim obligation and the actual amount paid.	
 
50

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Loss Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	 				 				 				 				 				 				 				 				
Flow	  			 	 				 				 				 				 				 				 				 				
Direct	  	$	272	  	 	$	295	  	 	$	283	  	 	$	850	  	 	$	240	  	 	$	256	  	 	$	239	  	 	$	315	  	 	$	1,050	  	
Assumed (1)	  	 	19	  	 	 	23	  	 	 	20	  	 	 	62	  	 	 	26	  	 	 	25	  	 	 	32	  	 	 	30	  	 	 	113	  	
Ceded	  	 	(25	) 	 	 	(55	) 	 	 	(39	) 	 	 	(119	) 	 	 	(45	) 	 	 	(39	) 	 	 	(83	) 	 	 	(109	) 	 	 	(276	) 	
Loss adjustment expenses	  	 	7	  	 	 	7	  	 	 	9	  	 	 	23	  	 	 	10	  	 	 	11	  	 	 	11	  	 	 	13	  	 	 	45	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	  	 	273	  	 	 	270	  	 	$	273	  	 	 	816	  	 	 	231	  	 	 	253	  	 	 	199	  	 	 	249	  	 	 	932	  	
Bulk	  	 	3	  	 	 	6	  	 	 	4	  	 	 	13	  	 	 	6	  	 	 	(2	) 	 	 	3	  	 	 	3	  	 	 	10	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	276	  	 	 	276	  	 	 	277	  	 	 	829	  	 	 	237	  	 	 	251	  	 	 	202	  	 	 	252	  	 	 	942	  	
Pool	  	 	1	  	 	 	2	  	 	 	2	  	 	 	5	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	4	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	277	  	 	$	278	  	 	$	279	  	 	$	834	  	 	$	238	  	 	$	252	  	 	$	203	  	 	$	253	  	 	$	946	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Average Paid Claim (in thousands)	  	$	41.1	  	 	$	38.3	  	 	$	43.6	  	 				 	$	41.0	  	 	$	46.9	  	 	$	40.8	  	 	$	39.7	  	 				
	 									
Average Direct Paid Claim (in thousands) (2)	  	$	41.7	  	 	$	42.5	  	 	$	42.7	  	 				 	$	43.2	  	 	$	49.1	  	 	$	49.7	  	 	$	50.8	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  			 	 				 				 				 				 				 				 				 				
Flow	  	$	30.0	  	 	$	30.6	  	 	$	30.6	  	 				 	$	29.1	  	 	$	28.8	  	 	$	29.2	  	 	$	25.4	  	 				
Bulk loans with established reserve	  	 	24.3	  	 	 	25.0	  	 	 	24.1	  	 				 	 	24.2	  	 	 	24.0	  	 	 	23.7	  	 	 	19.9	  	 				
Bulk loans with no reserve (3)	  	 	—  	  	 	 	—  	  	 	 	—  	  	 				 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 				
Reserves:	  			 	 				 				 				 				 				 				 				 				
Flow direct case	  	$	1,835	  	 	$	1,954	  	 	$	2,087	  	 				 	$	2,199	  	 	$	2,227	  	 	$	2,256	  	 	$	1,995	  	 				
Bulk direct case	  	 	33	  	 	 	32	  	 	 	34	  	 				 	 	36	  	 	 	36	  	 	 	35	  	 	 	34	  	 				
Assumed (1)	  	 	50	  	 	 	53	  	 	 	60	  	 				 	 	60	  	 	 	64	  	 	 	64	  	 	 	67	  	 				
All other (4)	  	 	196	  	 	 	195	  	 	 	200	  	 				 	 	193	  	 	 	159	  	 	 	151	  	 	 	124	  	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Reserves	  	$	2,114	  	 	$	2,234	  	 	$	2,381	  	 				 	$	2,488	  	 	$	2,486	  	 	$	2,506	  	 	$	2,220	  	 				

Beginning Reserves	  	$	2,234	  	 	$	2,381	  	 	$	2,488	  	 	$	2,488	  	 	$	2,486	  	 	$	2,506	  	 	$	2,220	  	 	$	2,282	  	 	$	2,282	  	
Paid claims	  	 	(302	) 	 	 	(333	) 	 	 	(318	) 	 	 	(953	) 	 	 	(282	) 	 	 	(292	) 	 	 	(286	) 	 	 	(362	) 	 	 	(1,222	) 	
Increase in reserves	  	 	182	  	 	 	186	  	 	 	211	  	 	 	579	  	 	 	284	  	 	 	272	  	 	 	572	  	 	 	300	  	 	 	1,428	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reserves	  	$	2,114	  	 	$	2,234	  	 	$	2,381	  	 	$	2,114	  	 	$	2,488	  	 	$	2,486	  	 	$	2,506	  	 	$	2,220	  	 	$	2,488	  	

Beginning Reinsurance Recoverable (5)	  	$	111	  	 	$	153	  	 	$	178	  	 	$	178	  	 	$	207	  	 	$	226	  	 	$	264	  	 	$	351	  	 	$	351	  	
Ceded paid claims	  	 	(25	) 	 	 	(55	) 	 	 	(39	) 	 	 	(119	) 	 	 	(44	) 	 	 	(40	) 	 	 	(83	) 	 	 	(109	) 	 	 	(276	) 	
Increase in recoverable	  	 	8	  	 	 	13	  	 	 	14	  	 	 	35	  	 	 	15	  	 	 	21	  	 	 	45	  	 	 	22	  	 	 	103	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reinsurance Recoverable	  	$	94	  	 	$	111	  	 	$	153	  	 	$	94	  	 	$	178	  	 	$	207	  	 	$	226	  	 	$	264	  	 	$	178	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (6)	  	 	129	% 	 	 	127	% 	 	 	144	% 	 	 	133	% 	 	 	189	% 	 	 	181	% 	 	 	369	% 	 	 	197	% 	 	 	234	% 	
The loss ratio included above was calculated using whole dollars and may be different than the ratio calculated using the rounded numbers included herein.

(1)	Assumed is comprised of reinsurance arrangements with state governmental housing finance agencies.	
(2)	Average direct paid claim excludes loss adjustment expenses, the impact of reinsurance and a negotiated servicer settlement.	
(3)	Reserves were not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.	
(4)	Other includes loss adjustment expenses, pool and incurred but not reported reserves.	
(5)	Reinsurance recoverable excludes ceded unearned premium recoveries and amounts for which cash proceeds have not yet been received.	
(6)	The ratio of incurred losses to net earned premiums. Excluding the lender portfolio settlement in the first quarter of 2012, the loss ratio was 137% for the three months ended March 31, 2012, 132% for the six months ended June 30, 2012 and 131% for the nine months ended September 30, 2012.	
 
51

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Delinquency Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	 	2012	 	 	2011	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	         4Q          	 	 	        3Q        	 	 	         2Q          	 	 	         1Q          	 	 	Total	 	
Number of Primary Delinquencies	 			 	 				 				 				 				 				 				 				 				
Flow	 	 	69,174	  	 	 	71,878	  	 	 	76,478	  	 				 	 	83,931	  	 	 	84,910	  	 	 	84,442	  	 	 	85,758	  	 				
Bulk loans with an established reserve	 	 	1,441	  	 	 	1,381	  	 	 	1,522	  	 				 	 	1,592	  	 	 	1,604	  	 	 	1,569	  	 	 	1,814	  	 				
Bulk loans with no reserve (1)	 	 	1,512	  	 	 	1,424	  	 	 	1,474	  	 				 	 	1,484	  	 	 	1,506	  	 	 	1,453	  	 	 	1,446	  	 				
	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Number of Primary Delinquencies	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 				 	 	87,007	  	 	 	88,020	  	 	 	87,464	  	 	 	89,018	  	 				
	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Beginning Number of Primary Delinquencies	 	 	74,683	  	 	 	79,474	  	 	 	87,007	  	 	 	87,007	  	 	 	88,020	  	 	 	87,464	  	 	 	89,018	  	 	 	95,395	  	 	 	95,395	  	
New delinquencies	 	 	17,733	  	 	 	16,703	  	 	 	18,217	  	 	 	52,653	  	 	 	22,094	  	 	 	23,493	  	 	 	21,272	  	 	 	23,866	  	 	 	90,725	  	
Delinquency cures	 	 	(13,598	) 	 	 	(14,251	) 	 	 	(19,388	) 	 	 	(47,237	) 	 	 	(17,357	) 	 	 	(17,595	) 	 	 	(17,908	) 	 	 	(23,908	) 	 	 	(76,768	) 	
Paid claims	 	 	(6,691	) 	 	 	(7,243	) 	 	 	(6,362	) 	 	 	(20,296	) 	 	 	(5,750	) 	 	 	(5,342	) 	 	 	(4,918	) 	 	 	(6,335	) 	 	 	(22,345	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Number of Primary Delinquencies	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 	 	72,127	  	 	 	87,007	  	 	 	88,020	  	 	 	87,464	  	 	 	89,018	  	 	 	87,007	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Composition of Cures	 			 	 				 				 				 				 				 				 				 				
Reported delinquent and cured-intraquarter	 	 	2,882	  	 	 	2,354	  	 	 	3,582	  	 				 	 	2,851	  	 	 	3,181	  	 	 	2,670	  	 	 	5,195	  	 				
Number of missed payments delinquent prior to cure:	 			 	 				 				 				 				 				 				 				 				
3 payments or less	 	 	6,289	  	 	 	7,399	  	 	 	10,154	  	 				 	 	8,835	  	 	 	8,520	  	 	 	8,953	  	 	 	11,454	  	 				
4 - 11 payments	 	 	2,965	  	 	 	3,371	  	 	 	3,569	  	 				 	 	3,408	  	 	 	3,584	  	 	 	4,146	  	 	 	5,183	  	 				
12 payments or more	 	 	1,462	  	 	 	1,127	  	 	 	2,083	  	 				 	 	2,263	  	 	 	2,310	  	 	 	2,139	  	 	 	2,076	  	 				
	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	 	 	13,598	  	 	 	14,251	  	 	 	19,388	  	 				 	 	17,357	  	 	 	17,595	  	 	 	17,908	  	 	 	23,908	  	 				
	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Delinquencies by Missed Payment Status	 			 	 				 				 				 				 				 				 				 				
3 payments or less	 	 	17,684	  	 	 	16,708	  	 	 	17,260	  	 				 	 	22,165	  	 	 	22,444	  	 	 	21,125	  	 	 	20,920	  	 				
4 - 11 payments	 	 	18,713	  	 	 	20,830	  	 	 	24,137	  	 				 	 	25,334	  	 	 	25,055	  	 	 	26,969	  	 	 	31,070	  	 				
12 payments or more	 	 	35,730	  	 	 	37,145	  	 	 	38,077	  	 				 	 	39,508	  	 	 	40,521	  	 	 	39,370	  	 	 	37,028	  	 				
	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Delinquencies	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 				 	 	87,007	  	 	 	88,020	  	 	 	87,464	  	 	 	89,018	  	 				

 
															
 	 	September 30, 2012	
Flow Delinquencies and Percentage
Reserved by Payment Status	 	Delinquencies	 	 	Direct  Case
Reserves (2)	 	 	Risk In-Force	 	 	Reserves as % of
Risk In-Force	
3 payments or less in default	 	 	17,064	  	 	$	154	  	 	$	675	  	 	23%	
4 - 11 payments in default	 	 	17,854	  	 	 	466	  	 	 	777	  	 	60%	
12 payments or more in default	 	 	34,256	  	 	 	1,215	  	 	 	1,671	  	 	73%	
	 	 	 	 	 	 	 	 	 	 	 	 	 		
Total	 	 	69,174	  	 	$	1,835	  	 	$	3,123	  	 	59%	

 	 	December 31, 2011	
Flow Delinquencies and Percentage
Reserved by Payment Status	 	Delinquencies	 	 	Direct  Case
Reserves (2)	 	 	Risk In-Force	 	 	Reserves as % of
Risk In-Force	
3 payments or less in default	 	 	21,272	  	 	$	193	  	 	$	835	  	 	23%	
4 - 11 payments in default	 	 	24,493	  	 	 	646	  	 	 	1,075	  	 	60%	
12 payments or more in default	 	 	38,166	  	 	 	1,360	  	 	 	1,870	  	 	73%	
	 	 	 	 	 	 	 	 	 	 	 	 	 		
Total	 	 	83,931	  	 	$	2,199	  	 	$	3,780	  	 	58%	

(1)  	Reserves were not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.	
(2)  	Direct flow case reserves exclude loss adjustment expenses, incurred but not reported and reinsurance reserves.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	
Risk In-Force by Credit Quality (1)	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Primary by FICO Scores >679	  	 	69	% 	 	 	68	% 	 	 	68	% 	 	 	67	% 	 	 	67	% 	 	 	67	% 	 	 	66	% 	
Primary by FICO Scores 620-679	  	 	25	% 	 	 	25	% 	 	 	25	% 	 	 	26	% 	 	 	26	% 	 	 	26	% 	 	 	27	% 	
Primary by FICO Scores 575-619	  	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	
Primary by FICO Scores <575	  	 	1	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	
	 							
Flow by FICO Scores >679	  	 	68	% 	 	 	68	% 	 	 	67	% 	 	 	67	% 	 	 	67	% 	 	 	66	% 	 	 	66	% 	
Flow by FICO Scores 620-679	  	 	25	% 	 	 	25	% 	 	 	26	% 	 	 	26	% 	 	 	26	% 	 	 	27	% 	 	 	27	% 	
Flow by FICO Scores 575-619	  	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	
Flow by FICO Scores <575	  	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	 	 	2	% 	
	 							
Bulk by FICO Scores >679	  	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	
Bulk by FICO Scores 620-679	  	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	
Bulk by FICO Scores 575-619	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
Bulk by FICO Scores <575	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
	 							
Primary A minus	  	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	
Primary sub-prime (2)	  	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	
	 							
Primary Loans	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Primary loans in-force	  	 	669,618	  	 	 	679,817	  	 	 	693,807	  	 	 	714,467	  	 	 	733,383	  	 	 	746,740	  	 	 	763,439	  	
Primary delinquent loans	  	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 	 	87,007	  	 	 	88,020	  	 	 	87,464	  	 	 	89,018	  	
Primary delinquency rate	  	 	10.77	% 	 	 	10.99	% 	 	 	11.45	% 	 	 	12.18	% 	 	 	12.00	% 	 	 	11.71	% 	 	 	11.66	% 	
	 							
Flow loans in-force	  	 	601,851	  	 	 	607,133	  	 	 	616,623	  	 	 	633,246	  	 	 	648,242	  	 	 	658,251	  	 	 	673,276	  	
Flow delinquent loans	  	 	69,174	  	 	 	71,878	  	 	 	76,478	  	 	 	83,931	  	 	 	84,910	  	 	 	84,442	  	 	 	85,758	  	
Flow delinquency rate	  	 	11.49	% 	 	 	11.84	% 	 	 	12.40	% 	 	 	13.25	% 	 	 	13.10	% 	 	 	12.83	% 	 	 	12.74	% 	
	 							
Bulk loans in-force	  	 	67,767	  	 	 	72,684	  	 	 	77,184	  	 	 	81,221	  	 	 	85,141	  	 	 	88,489	  	 	 	90,163	  	
Bulk delinquent loans	  	 	2,953	  	 	 	2,805	  	 	 	2,996	  	 	 	3,076	  	 	 	3,110	  	 	 	3,022	  	 	 	3,260	  	
Bulk delinquency rate	  	 	4.36	% 	 	 	3.86	% 	 	 	3.88	% 	 	 	3.79	% 	 	 	3.65	% 	 	 	3.42	% 	 	 	3.62	% 	
	 							
A minus and sub-prime loans in-force	  	 	60,742	  	 	 	63,230	  	 	 	65,833	  	 	 	68,487	  	 	 	71,097	  	 	 	73,211	  	 	 	75,421	  	
A minus and sub-prime delinquent loans	  	 	16,287	  	 	 	16,796	  	 	 	17,680	  	 	 	19,884	  	 	 	20,347	  	 	 	20,284	  	 	 	20,656	  	
A minus and sub-prime delinquency rate	  	 	26.81	% 	 	 	26.56	% 	 	 	26.86	% 	 	 	29.03	% 	 	 	28.62	% 	 	 	27.71	% 	 	 	27.39	% 	
	 							
Pool Loans	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Pool loans in-force	  	 	13,237	  	 	 	13,562	  	 	 	13,942	  	 	 	14,418	  	 	 	16,574	  	 	 	16,943	  	 	 	17,421	  	
Pool delinquent loans	  	 	670	  	 	 	679	  	 	 	695	  	 	 	778	  	 	 	957	  	 	 	931	  	 	 	913	  	
Pool delinquency rate	  	 	5.06	% 	 	 	5.01	% 	 	 	4.98	% 	 	 	5.40	% 	 	 	5.77	% 	 	 	5.49	% 	 	 	5.24	% 	

(1)  	Loans with unknown FICO scores are included in the 620-679 category.	
(2)  	Excludes loans classified as A minus.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

 	  	September 30, 2012	 	 	June 30, 2012	 	 	September 30, 2011	 	
 	  	% of Total
Reserves (1)	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency
Rate	 	 	% of Total
Reserves (1)	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency
Rate	 	 	% of Total
Reserves (1)	 	 	% of Primary
Risk In-Force	 	 	Primary
Delinquency
Rate	 	
By Region	  				 				 				 				 				 				 				 				 				
Southeast (2)	  	 	35	% 	 	 	22	% 	 	 	15.14	% 	 	 	35	% 	 	 	22	% 	 	 	15.61	% 	 	 	35	% 	 	 	22	% 	 	 	16.80	% 	
South Central (3)	  	 	9	  	 	 	16	  	 	 	8.10	% 	 	 	10	  	 	 	16	  	 	 	8.54	% 	 	 	11	  	 	 	16	  	 	 	9.95	% 	
Northeast (4)	  	 	15	  	 	 	15	  	 	 	12.91	% 	 	 	14	  	 	 	15	  	 	 	12.52	% 	 	 	12	  	 	 	14	  	 	 	12.30	% 	
North Central (5)	  	 	12	  	 	 	12	  	 	 	10.27	% 	 	 	12	  	 	 	12	  	 	 	10.56	% 	 	 	12	  	 	 	12	  	 	 	11.79	% 	
Pacific (6)	  	 	12	  	 	 	11	  	 	 	10.41	% 	 	 	12	  	 	 	11	  	 	 	11.01	% 	 	 	13	  	 	 	11	  	 	 	12.99	% 	
Great Lakes (7)	  	 	6	  	 	 	9	  	 	 	7.96	% 	 	 	7	  	 	 	9	  	 	 	8.06	% 	 	 	7	  	 	 	9	  	 	 	8.83	% 	
New England (8)	  	 	4	  	 	 	5	  	 	 	9.77	% 	 	 	3	  	 	 	5	  	 	 	9.66	% 	 	 	3	  	 	 	5	  	 	 	10.81	% 	
Mid-Atlantic (9)	  	 	4	  	 	 	5	  	 	 	9.95	% 	 	 	4	  	 	 	5	  	 	 	9.88	% 	 	 	4	  	 	 	5	  	 	 	10.37	% 	
Plains (10)	  	 	3	  	 	 	5	  	 	 	6.64	% 	 	 	3	  	 	 	5	  	 	 	6.72	% 	 	 	3	  	 	 	6	  	 	 	7.80	% 	
	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	 	 	100	% 	 	 	10.77	% 	 	 	100	% 	 	 	100	% 	 	 	10.99	% 	 	 	100	% 	 	 	100	% 	 	 	12.00	% 	

By State	  				 				 				 				 				 				 				 				 				
Florida	  	 	25	% 	 	 	7	% 	 	 	27.06	% 	 	 	25	% 	 	 	7	% 	 	 	27.92	% 	 	 	24	% 	 	 	7	% 	 	 	28.93	% 	
New York	  	 	6	% 	 	 	7	% 	 	 	11.27	% 	 	 	6	% 	 	 	7	% 	 	 	10.71	% 	 	 	5	% 	 	 	7	% 	 	 	10.28	% 	
Texas	  	 	3	% 	 	 	7	% 	 	 	6.91	% 	 	 	3	% 	 	 	7	% 	 	 	6.99	% 	 	 	3	% 	 	 	7	% 	 	 	7.84	% 	
California	  	 	5	% 	 	 	6	% 	 	 	8.04	% 	 	 	6	% 	 	 	6	% 	 	 	8.75	% 	 	 	6	% 	 	 	6	% 	 	 	11.62	% 	
Illinois	  	 	8	% 	 	 	5	% 	 	 	14.84	% 	 	 	8	% 	 	 	5	% 	 	 	15.42	% 	 	 	7	% 	 	 	5	% 	 	 	16.54	% 	
New Jersey	  	 	6	% 	 	 	4	% 	 	 	18.98	% 	 	 	5	% 	 	 	4	% 	 	 	18.93	% 	 	 	5	% 	 	 	4	% 	 	 	18.20	% 	
Pennsylvania	  	 	3	% 	 	 	4	% 	 	 	11.15	% 	 	 	3	% 	 	 	4	% 	 	 	10.86	% 	 	 	2	% 	 	 	4	% 	 	 	11.47	% 	
North Carolina	  	 	3	% 	 	 	4	% 	 	 	10.26	% 	 	 	3	% 	 	 	4	% 	 	 	10.59	% 	 	 	3	% 	 	 	4	% 	 	 	11.55	% 	
Georgia	  	 	3	% 	 	 	4	% 	 	 	12.34	% 	 	 	4	% 	 	 	4	% 	 	 	12.77	% 	 	 	4	% 	 	 	4	% 	 	 	14.76	% 	
Ohio	  	 	2	% 	 	 	3	% 	 	 	8.14	% 	 	 	2	% 	 	 	3	% 	 	 	8.12	% 	 	 	2	% 	 	 	3	% 	 	 	8.39	% 	

(1)  	Total reserves were $2,114 million, $2,234 million and $2,486 million as of September 30, 2012, June 30, 2012 and September 30, 2011, respectively.	
(2)  	Alabama, Arkansas, Florida, Georgia, Mississippi, North Carolina, South Carolina and Tennessee.	
(3)  	Arizona, Colorado, Louisiana, New Mexico, Oklahoma, Texas and Utah.	
(4)  	New Jersey, New York and Pennsylvania.	
(5)  	Illinois, Minnesota, Missouri and Wisconsin.	
(6)  	Alaska, California, Hawaii, Nevada, Oregon and Washington.	
(7)  	Indiana, Kentucky, Michigan and Ohio.	
(8)  	Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont.	
(9)  	Delaware, Maryland, Virginia, Washington D.C. and West Virginia.	
(10)  	Idaho, Iowa, Kansas, Montana, Nebraska, North Dakota, South Dakota and Wyoming.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(amounts in millions)

Primary Risk In-Force:	  	September 30, 2012	 	  	% of
Total	 	 	June 30, 2012	 	  	% of
Total	 	 	September 30, 2011	 	  	% of
Total	 	
Lender concentration (by original applicant)	  	$	26,356	  	  				 	$	26,401	  	  				 	$	27,740	  	  				
Top 10 lenders	  	 	12,950	  	  				 	 	12,969	  	  				 	 	13,774	  	  				
Top 20 lenders	  	 	14,692	  	  				 	 	14,778	  	  				 	 	15,717	  	  				
							
Loan-to-value ratio	  				  				 				  				 				  				
95.01% and above	  	$	7,136	  	  	 	27	% 	 	$	6,955	  	  	 	26	% 	 	$	6,960	  	  	 	25	% 	
90.01% to 95.00%	  	 	9,318	  	  	 	35	  	 	 	9,308	  	  	 	35	  	 	 	9,712	  	  	 	35	  	
80.01% to 90.00%	  	 	9,459	  	  	 	36	  	 	 	9,692	  	  	 	37	  	 	 	10,595	  	  	 	38	  	
80.00% and below	  	 	443	  	  	 	2	  	 	 	446	  	  	 	2	  	 	 	473	  	  	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	26,356	  	  	 	100	% 	 	$	26,401	  	  	 	100	% 	 	$	27,740	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Loan grade	  				  				 				  				 				  				
Prime	  	$	24,078	  	  	 	91	% 	 	$	24,032	  	  	 	91	% 	 	$	25,087	  	  	 	90	% 	
A minus and sub-prime	  	 	2,278	  	  	 	9	  	 	 	2,369	  	  	 	9	  	 	 	2,653	  	  	 	10	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	26,356	  	  	 	100	% 	 	$	26,401	  	  	 	100	% 	 	$	27,740	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Loan type (1)	  				  				 				  				 				  				
First mortgages	  				  				 				  				 				  				
Fixed rate mortgage	  				  				 				  				 				  				
Flow	  	$	25,403	  	  	 	96	% 	 	$	25,416	  	  	 	96	% 	 	$	26,657	  	  	 	96	% 	
Bulk	  	 	488	  	  	 	2	  	 	 	495	  	  	 	2	  	 	 	513	  	  	 	2	  	
Adjustable rate mortgage	  				  				 				  				 				  				
Flow	  	 	446	  	  	 	2	  	 	 	471	  	  	 	2	  	 	 	549	  	  	 	2	  	
Bulk	  	 	19	  	  	 	—  	  	 	 	19	  	  	 	—  	  	 	 	21	  	  	 	—  	  	
Second mortgages	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	26,356	  	  	 	100	% 	 	$	26,401	  	  	 	100	% 	 	$	27,740	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Type of documentation	  				  				 				  				 				  				
Alt-A	  				  				 				  				 				  				
Flow	  	$	631	  	  	 	2	% 	 	$	671	  	  	 	3	% 	 	$	777	  	  	 	3	% 	
Bulk	  	 	36	  	  	 	—  	  	 	 	37	  	  	 	—  	  	 	 	39	  	  	 	—  	  	
Standard (2)	  				  				 				  				 				  				
Flow	  	 	25,218	  	  	 	96	  	 	 	25,216	  	  	 	95	  	 	 	26,429	  	  	 	95	  	
Bulk	  	 	471	  	  	 	2	  	 	 	477	  	  	 	2	  	 	 	495	  	  	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	26,356	  	  	 	100	% 	 	$	26,401	  	  	 	100	% 	 	$	27,740	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Mortgage term	  				  				 				  				 				  				
15 years and under	  	$	724	  	  	 	3	% 	 	$	643	  	  	 	2	% 	 	$	490	  	  	 	2	% 	
More than 15 years	  	 	25,632	  	  	 	97	  	 	 	25,758	  	  	 	98	  	 	 	27,250	  	  	 	98	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	26,356	  	  	 	100	% 	 	$	26,401	  	  	 	100	% 	 	$	27,740	  	  	 	100	% 	

(1)  	For loan type in this table, any loan with an interest rate that is fixed for an initial term of five years or more is categorized as a fixed rate mortgage.	
(2)  	Standard includes loans with reduced or different documentation requirements that meet specifications of GSE or other lender proprietary approved underwriting systems, and other reduced documentation programs, with historical and expected delinquency rates at origination consistent with historical and expected delinquency rates of the company’s standard portfolio.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	September 30, 2012	 	
Policy Year	  	Average
Rate (1) 	 	 	% of  Total
Reserves (2) 	 	 	Primary
Insurance In-Force	 	  	% of
Total	 	 	Primary
Risk In-Force	 	  	% of
Total	 	
2001 and prior	  	 	7.74	% 	 	 	2.0	% 	 	$	2,070	  	  	 	1.9	% 	 	$	520	  	  	 	2.0	% 	
2002	  	 	6.62	% 	 	 	1.4	  	 	 	1,578	  	  	 	1.4	  	 	 	394	  	  	 	1.5	  	
2003	  	 	5.62	% 	 	 	3.7	  	 	 	6,365	  	  	 	5.7	  	 	 	1,066	  	  	 	4.0	  	
2004	  	 	5.86	% 	 	 	4.7	  	 	 	4,376	  	  	 	3.9	  	 	 	1,015	  	  	 	3.8	  	
2005	  	 	5.91	% 	 	 	12.7	  	 	 	7,770	  	  	 	7.0	  	 	 	2,024	  	  	 	7.7	  	
2006	  	 	6.33	% 	 	 	19.2	  	 	 	10,619	  	  	 	9.5	  	 	 	2,646	  	  	 	10.0	  	
2007	  	 	6.35	% 	 	 	38.3	  	 	 	24,095	  	  	 	21.7	  	 	 	5,976	  	  	 	22.7	  	
2008	  	 	5.92	% 	 	 	17.3	  	 	 	21,990	  	  	 	19.8	  	 	 	5,497	  	  	 	20.9	  	
2009	  	 	5.07	% 	 	 	0.4	  	 	 	5,405	  	  	 	4.9	  	 	 	1,062	  	  	 	4.0	  	
2010	  	 	4.67	% 	 	 	0.2	  	 	 	6,953	  	  	 	6.3	  	 	 	1,509	  	  	 	5.7	  	
2011	  	 	4.44	% 	 	 	0.1	  	 	 	8,774	  	  	 	7.9	  	 	 	2,023	  	  	 	7.7	  	
2012	  	 	3.86	% 	 	 	—  	  	 	 	11,129	  	  	 	10.0	  	 	 	2,624	  	  	 	10.0	  	
	  				 	 	 	 	 	 	 	 	  				 	 	 	 	  	 	 	 	
Total	  	 	5.73	% 	 	 	100.0	% 	 	$	111,124	  	  	 	100.0	% 	 	$	26,356	  	  	 	100.0	% 	

									
Occupancy and Property Type	  	September 30,
2012	 	 	June 30,
2012	 	
Occupancy Status % of Primary Risk In-Force	  				 				
Primary residence	  	 	94.0	% 	 	 	94.0	% 	
Second home	  	 	3.6	  	 	 	3.7	  	
Non-owner occupied	  	 	2.4	  	 	 	2.3	  	
	  	 	 	 	 	 	 	 	
Total	  	 	100.0	% 	 	 	100.0	% 	
	  	 	 	 	 	 	 	 	
Property Type % of Primary Risk In-Force	  				 				
Single family detached	  	 	86.7	% 	 	 	86.6	% 	
Condominium and co-operative	  	 	11.2	  	 	 	11.3	  	
Multi-family and other	  	 	2.1	  	 	 	2.1	  	
	  	 	 	 	 	 	 	 	
Total	  	 	100.0	% 	 	 	100.0	% 	

(1)  	Average Annual Mortgage Interest Rate	
(2)  	Total reserves were $2,114 million as of September 30, 2012.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(amounts in billions)

 	  	FICO > 679	 	 	FICO 620 - 679 (1) 	 	 	FICO < 620	 	 	Total	 	
 	  	2012	 	 	2012	 	 	2012	 	 	2012	 	
Primary Risk In-Force	  	    3Q    	 	 	    2Q    	 	 	    1Q    	 	 	    3Q    	 	 	    2Q    	 	 	    1Q    	 	 	    3Q    	 	 	    2Q    	 	 	    1Q    	 	 	    3Q    	 	 	    2Q    	 	 	    1Q    	 	
Total Primary Risk In-Force	  	$	18.2	  	 	$	18.1	  	 	$	18.1	  	 	$	6.5	  	 	$	6.6	  	 	$	6.8	  	 	$	1.7	  	 	$	1.7	  	 	$	1.8	  	 	$	26.4	  	 	$	26.4	  	 	$	26.7	  	
Delinquency rate (2)	  	 	6.8	% 	 	 	6.9	% 	 	 	7.3	% 	 	 	17.6	% 	 	 	17.9	% 	 	 	18.5	% 	 	 	26.9	% 	 	 	26.8	% 	 	 	27.2	% 	 	 	10.8	% 	 	 	11.0	% 	 	 	11.5	% 	
2012 policy year	  	$	2.2	  	 	$	1.3	  	 	$	0.6	  	 	$	0.4	  	 	$	0.2	  	 	$	0.1	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	2.6	  	 	$	1.5	  	 	$	0.7	  	
Delinquency rate	  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	0.1	% 	 	 	0.1	% 	 	 	—  	% 	 	 	0.8	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	
2011 policy year	  	$	1.8	  	 	$	1.9	  	 	$	2.0	  	 	$	0.2	  	 	$	0.2	  	 	$	0.2	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	2.0	  	 	$	2.1	  	 	$	2.2	  	
Delinquency rate	  	 	0.2	% 	 	 	0.1	% 	 	 	0.1	% 	 	 	0.4	% 	 	 	0.2	% 	 	 	0.3	% 	 	 	2.5	% 	 	 	0.8	% 	 	 	2.4	% 	 	 	0.2	% 	 	 	0.2	% 	 	 	0.1	% 	
2010 policy year	  	$	1.4	  	 	$	1.5	  	 	$	1.6	  	 	$	0.1	  	 	$	0.1	  	 	$	0.1	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	1.5	  	 	$	1.6	  	 	$	1.7	  	
Delinquency rate	  	 	0.5	% 	 	 	0.4	% 	 	 	0.3	% 	 	 	1.9	% 	 	 	1.3	% 	 	 	1.1	% 	 	 	7.2	% 	 	 	7.8	% 	 	 	6.7	% 	 	 	0.6	% 	 	 	0.4	% 	 	 	0.3	% 	
2009 policy year	  	$	1.0	  	 	$	1.0	  	 	$	1.1	  	 	$	0.1	  	 	$	0.1	  	 	$	0.1	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	1.1	  	 	$	1.1	  	 	$	1.2	  	
Delinquency rate	  	 	1.0	% 	 	 	0.9	% 	 	 	0.8	% 	 	 	3.1	% 	 	 	3.0	% 	 	 	3.3	% 	 	 	9.0	% 	 	 	8.3	% 	 	 	9.3	% 	 	 	1.2	% 	 	 	1.0	% 	 	 	0.9	% 	
2008 policy year	  	$	4.2	  	 	$	4.3	  	 	$	4.5	  	 	$	1.1	  	 	$	1.2	  	 	$	1.2	  	 	$	0.2	  	 	$	0.2	  	 	$	0.2	  	 	$	5.5	  	 	$	5.7	  	 	$	5.9	  	
Delinquency rate	  	 	7.1	% 	 	 	7.0	% 	 	 	7.2	% 	 	 	15.3	% 	 	 	15.0	% 	 	 	15.5	% 	 	 	23.8	% 	 	 	23.4	% 	 	 	24.7	% 	 	 	9.5	% 	 	 	9.3	% 	 	 	9.6	% 	
2007 policy year	  	$	3.4	  	 	$	3.5	  	 	$	3.6	  	 	$	1.9	  	 	$	2.0	  	 	$	2.1	  	 	$	0.7	  	 	$	0.7	  	 	$	0.7	  	 	$	6.0	  	 	$	6.2	  	 	$	6.4	  	
Delinquency rate	  	 	12.2	% 	 	 	12.5	% 	 	 	13.0	% 	 	 	21.9	% 	 	 	21.9	% 	 	 	22.4	% 	 	 	29.5	% 	 	 	29.9	% 	 	 	30.5	% 	 	 	17.5	% 	 	 	17.6	% 	 	 	18.2	% 	
2006 policy year	  	$	1.5	  	 	$	1.6	  	 	$	1.6	  	 	$	0.9	  	 	$	0.9	  	 	$	1.0	  	 	$	0.3	  	 	$	0.3	  	 	$	0.3	  	 	$	2.7	  	 	$	2.8	  	 	$	2.9	  	
Delinquency rate	  	 	13.5	% 	 	 	13.6	% 	 	 	14.1	% 	 	 	22.7	% 	 	 	22.5	% 	 	 	23.1	% 	 	 	27.8	% 	 	 	27.2	% 	 	 	28.3	% 	 	 	18.1	% 	 	 	18.0	% 	 	 	18.6	% 	
2005 and prior policy year	  	$	2.7	  	 	$	3.0	  	 	$	3.1	  	 	$	1.8	  	 	$	1.9	  	 	$	2.0	  	 	$	0.5	  	 	$	0.5	  	 	$	0.6	  	 	$	5.0	  	 	$	5.4	  	 	$	5.7	  	
Delinquency rate	  	 	9.0	% 	 	 	8.6	% 	 	 	8.6	% 	 	 	18.8	% 	 	 	18.4	% 	 	 	18.4	% 	 	 	25.2	% 	 	 	24.7	% 	 	 	24.2	% 	 	 	13.3	% 	 	 	12.9	% 	 	 	12.8	% 	
Fixed rate mortgage	  	$	17.9	  	 	$	17.8	  	 	$	17.8	  	 	$	6.3	  	 	$	6.4	  	 	$	6.6	  	 	$	1.7	  	 	$	1.7	  	 	$	1.8	  	 	$	25.9	  	 	$	25.9	  	 	$	26.2	  	
Delinquency rate	  	 	6.6	% 	 	 	6.7	% 	 	 	7.1	% 	 	 	17.4	% 	 	 	17.6	% 	 	 	18.3	% 	 	 	26.8	% 	 	 	26.6	% 	 	 	27.0	% 	 	 	10.5	% 	 	 	10.7	% 	 	 	11.2	% 	
Adjustable rate mortgage	  	$	0.3	  	 	$	0.3	  	 	$	0.3	  	 	$	0.2	  	 	$	0.2	  	 	$	0.2	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	0.5	  	 	$	0.5	  	 	$	0.5	  	
Delinquency rate	  	 	24.5	% 	 	 	24.9	% 	 	 	25.0	% 	 	 	28.9	% 	 	 	28.7	% 	 	 	29.6	% 	 	 	35.0	% 	 	 	34.4	% 	 	 	36.3	% 	 	 	27.0	% 	 	 	27.1	% 	 	 	27.7	% 	
Loan-to-value > 95%	  	$	4.1	  	 	$	4.0	  	 	$	3.8	  	 	$	2.3	  	 	$	2.3	  	 	$	2.3	  	 	$	0.7	  	 	$	0.7	  	 	$	0.7	  	 	$	7.1	  	 	$	7.0	  	 	$	6.8	  	
Delinquency rate	  	 	7.6	% 	 	 	8.2	% 	 	 	9.0	% 	 	 	19.3	% 	 	 	19.5	% 	 	 	20.3	% 	 	 	27.7	% 	 	 	27.8	% 	 	 	28.8	% 	 	 	13.7	% 	 	 	14.3	% 	 	 	15.3	% 	
Alt-A (3)	  	$	0.5	  	 	$	0.5	  	 	$	0.5	  	 	$	0.2	  	 	$	0.2	  	 	$	0.2	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	0.7	  	 	$	0.7	  	 	$	0.7	  	
Delinquency rate	  	 	19.1	% 	 	 	18.7	% 	 	 	19.0	% 	 	 	31.8	% 	 	 	31.4	% 	 	 	31.9	% 	 	 	30.5	% 	 	 	30.8	% 	 	 	31.2	% 	 	 	23.0	% 	 	 	22.6	% 	 	 	22.8	% 	
Interest only and option ARMs	  	$	0.9	  	 	$	1.0	  	 	$	1.1	  	 	$	0.4	  	 	$	0.4	  	 	$	0.4	  	 	$	0.1	  	 	$	0.1	  	 	$	0.1	  	 	$	1.4	  	 	$	1.5	  	 	$	1.6	  	
Delinquency rate	  	 	28.1	% 	 	 	28.3	% 	 	 	28.9	% 	 	 	36.5	% 	 	 	36.6	% 	 	 	37.1	% 	 	 	38.9	% 	 	 	39.1	% 	 	 	41.5	% 	 	 	31.1	% 	 	 	31.2	% 	 	 	31.9	% 	

(1)  	Loans with unknown FICO scores are included in the 620-679 category.	
(2)  	Delinquency rate represents the number of lender reported delinquencies divided by the number of remaining policies consistent with mortgage insurance practices.	
(3)	Alt-A consists of loans with reduced documentation or verification of income or assets and a higher historical and expected delinquency rate than standard documentation loans.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Other Metrics—U.S. Mortgage Insurance Segment—Bulk Risk In-Force
(dollar amounts in millions)

 	  	September 30, 2012	 	 	June 30, 2012	 	 	September 30, 2011	 	
GSE Alt-A	  			 	 				 				
Risk in-force	  	$	24	  	 	$	25	  	 	$	26	  	
Average FICO score	  	 	732	  	 	 	732	  	 	 	732	  	
Loan-to-value ratio	  	 	80	% 	 	 	80	% 	 	 	81	% 	
Standard documentation (1)	  	 	13	% 	 	 	12	% 	 	 	12	% 	
Stop loss	  	 	100	% 	 	 	100	% 	 	 	100	% 	
Deductible	  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	
	 			
FHLB	  			 	 				 				
Risk in-force	  	$	420	  	 	$	424	  	 	$	441	  	
Average FICO score	  	 	757	  	 	 	758	  	 	 	757	  	
Loan-to-value ratio	  	 	71	% 	 	 	71	% 	 	 	75	% 	
Standard documentation (1)	  	 	97	% 	 	 	97	% 	 	 	97	% 	
Stop loss	  	 	95	% 	 	 	95	% 	 	 	94	% 	
Deductible	  	 	100	% 	 	 	100	% 	 	 	100	% 	
	 			
Other	  			 	 				 				
Risk in-force	  	$	63	  	 	$	65	  	 	$	67	  	
Average FICO score	  	 	695	  	 	 	696	  	 	 	690	  	
Loan-to-value ratio	  	 	89	% 	 	 	89	% 	 	 	92	% 	
Standard documentation (1)	  	 	96	% 	 	 	96	% 	 	 	96	% 	
Stop loss	  	 	—  	% 	 	 	1	% 	 	 	6	% 	
Deductible	  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	
Total Bulk Risk In-Force	  	$	507	  	 	$	514	  	 	$	534	  	

(1)  	Standard documentation includes loans with reduced or different documentation requirements that meet specifications of GSE approved underwriting systems with historical and expected delinquency rates consistent with the standard portfolio.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Aggregate Book Year Analysis Provided to Illustrate Directional Progression Toward Captive Attachment (1) 

 	 	 	 	 	 	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	
Book Year (2) 	 	Original Book
Risk In-Force
($B) (3) 	 	 	Progression To
Attachment Point	 	Current
Risk In-Force
($B)	 	 	Ever-To-Date
Incurred Losses
($MM) (3) 	 	 	Captive
Benefits
($MM)	 	 	Current
Risk In-Force
($B)	 	 	Ever-To-Date
Incurred Losses
($MM) (3) 	 	 	Captive
Benefits
($MM)	 	 	Current
Risk In-Force
($B)	 	 	Ever-To-Date
Incurred Losses
($MM) (3) 	 	 	Captive
Benefits
($MM)	 	
2004	 				 	0%-50%	 	$	—  	  	 	$	2	  	 			 	 	$	—  	  	 	$	2	  	 			 	 	$	—  	  	 	$	2	  	 			 	
2004	 				 	50%-75%	 	 	—  	  	 	 	1	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	1	  	 			 	
2004	 				 	75%-99%	 	 	0.1	  	 	 	35	  	 			 	 	 	0.1	  	 	 	35	  	 			 	 	 	0.2	  	 	 	42	  	 			 	
2004	 				 	Attached	 	 	0.3	  	 	 	85	  	 			 	 	 	0.3	  	 	 	84	  	 			 	 	 	0.3	  	 	 	81	  	 			 	
	 				 		 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	
2004 Total	 	$	2.5	  	 		 	$	0.4	  	 	$	123	  	 	$	1	  	 	$	0.4	  	 	$	121	  	 	$	2	  	 	$	0.5	  	 	$	126	  	 	$	2	  	

2005	 				 	0%-50%	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	
2005	 				 	50%-75%	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	
2005	 				 	75%-99%	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	
2005	 				 	Attached	 	 	0.6	  	 	 	283	  	 			 	 	 	0.7	  	 	 	277	  	 			 	 	 	0.8	  	 	 	287	  	 			 	
	 				 		 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	
2005 Total	 	$	2.1	  	 		 	$	0.6	  	 	$	284	  	 	 	4	  	 	$	0.7	  	 	$	278	  	 	 	4	  	 	$	0.8	  	 	$	288	  	 	 	4	  	

2006	 				 	0%-50%	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	
2006	 				 	50%-75%	 	 	—  	  	 	 	1	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	
2006	 				 	75%-99%	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	1	  	 			 	 	 	—  	  	 	 	1	  	 			 	
2006	 				 	Attached	 	 	0.6	  	 	 	374	  	 			 	 	 	0.7	  	 	 	367	  	 			 	 	 	0.8	  	 	 	379	  	 			 	
	 				 		 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	
2006 Total	 	$	1.9	  	 		 	$	0.6	  	 	$	376	  	 	 	—  	  	 	$	0.7	  	 	$	369	  	 	 	1	  	 	$	0.8	  	 	$	381	  	 	 	—  	  	

2007	 				 	0%-50%	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	
2007	 				 	50%-75%	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	
2007	 				 	75%-99%	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	—  	  	 	 	—  	  	 			 	
2007	 				 	Attached	 	 	1.2	  	 	 	698	  	 			 	 	 	1.3	  	 	 	685	  	 			 	 	 	1.5	  	 	 	686	  	 			 	
	 				 		 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	
2007 Total	 	$	2.8	  	 		 	$	1.2	  	 	$	699	  	 	 	2	  	 	$	1.3	  	 	$	686	  	 	 	4	  	 	$	1.5	  	 	$	687	  	 	 	5	  	

2008	 				 	0%-50%	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	 	$	—  	  	 	$	1	  	 			 	
2008	 				 	50%-75%	 	 	—  	  	 	 	2	  	 			 	 	 	—  	  	 	 	2	  	 			 	 	 	—  	  	 	 	2	  	 			 	
2008	 				 	75%-99%	 	 	—  	  	 	 	1	  	 			 	 	 	—  	  	 	 	—  	  	 			 	 	 	0.2	  	 	 	13	  	 			 	
2008	 				 	Attached	 	 	0.5	  	 	 	162	  	 			 	 	 	0.6	  	 	 	157	  	 			 	 	 	0.7	  	 	 	173	  	 			 	
	 				 		 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	 	 	 	 	 	 	 	 	 			 	
2008 Total	 	$	1.1	  	 		 	$	0.5	  	 	$	166	  	 	 	1	  	 	$	0.6	  	 	$	160	  	 	 	2	  	 	$	0.9	  	 	$	189	  	 	 	3	  	

												
	 				 		 				 				 	 	 	 	 				 				 	 	 	 	 				 				 	 	 	 	
Captive Benefits In Quarter ($MM)	 				 		 				 				 	$	8	  	 				 				 	$	13	  	 				 				 	$	14	  	

(1)  	Data presented in aggregate for all trusts. Actual trust attachment and exit points will vary by individual lender contract. For purposes of this illustration, ever-to-date incurred losses equal current reserves plus ever-to-date paid claims. The information presented excludes quota share captive reinsurance data. Progress toward captive attachment is determined at a lender level for each book year by dividing ever-to-date incurred losses by original risk in-force for that book year.	
(2)  	Book year amounts may include loans from additional periods pursuant to reinsurance agreement terms and conditions.	
(3)  	Original book risk in-force and ever-to-date incurred losses include amounts for active captive books only.	
 
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Corporate and Runoff Division
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Operating Income (Loss)—Corporate and Runoff Division
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	1	  	 	$	2	  	 	$	1	  	 	$	4	  	 	$	2	  	 	$	89	  	 	$	84	  	 	$	85	  	 	$	260	  	
Net investment income	  	 	37	  	 	 	52	  	 	 	38	  	 	 	127	  	 	 	49	  	 	 	35	  	 	 	55	  	 	 	33	  	 	 	172	  	
Net investment gains (losses)	  	 	1	  	 	 	(25	) 	 	 	7	  	 	 	(17	) 	 	 	(36	) 	 	 	(170	) 	 	 	(14	) 	 	 	(14	) 	 	 	(234	) 	
Insurance and investment product fees and other	  	 	87	  	 	 	75	  	 	 	73	  	 	 	235	  	 	 	142	  	 	 	68	  	 	 	63	  	 	 	66	  	 	 	339	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	126	  	 	 	104	  	 	 	119	  	 	 	349	  	 	 	157	  	 	 	22	  	 	 	188	  	 	 	170	  	 	 	537	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	9	  	 	 	14	  	 	 	1	  	 	 	24	  	 	 	1	  	 	 	86	  	 	 	69	  	 	 	78	  	 	 	234	  	
Interest credited	  	 	33	  	 	 	34	  	 	 	33	  	 	 	100	  	 	 	32	  	 	 	34	  	 	 	34	  	 	 	35	  	 	 	135	  	
Acquisition and operating expenses, net of deferrals	  	 	52	  	 	 	49	  	 	 	49	  	 	 	150	  	 	 	49	  	 	 	49	  	 	 	46	  	 	 	48	  	 	 	192	  	
Amortization of deferred acquisition costs and intangibles	  	 	21	  	 	 	20	  	 	 	(1	) 	 	 	40	  	 	 	5	  	 	 	35	  	 	 	23	  	 	 	19	  	 	 	82	  	
Goodwill Impairment	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	29	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	29	  	
Interest expense	  	 	82	  	 	 	85	  	 	 	62	  	 	 	229	  	 	 	82	  	 	 	82	  	 	 	87	  	 	 	82	  	 	 	333	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	197	  	 	 	202	  	 	 	144	  	 	 	543	  	 	 	198	  	 	 	286	  	 	 	259	  	 	 	262	  	 	 	1,005	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS BEFORE INCOME TAXES	  	 	(71	) 	 	 	(98	) 	 	 	(25	) 	 	 	(194	) 	 	 	(41	) 	 	 	(264	) 	 	 	(71	) 	 	 	(92	) 	 	 	(468	) 	
Provision (benefit) for income taxes	  	 	(32	) 	 	 	(33	) 	 	 	(15	) 	 	 	(80	) 	 	 	(48	) 	 	 	(100	) 	 	 	11	  	 	 	(17	) 	 	 	(154	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	(39	) 	 	 	(65	) 	 	 	(10	) 	 	 	(114	) 	 	 	7	  	 	 	(164	) 	 	 	(82	) 	 	 	(75	) 	 	 	(314	) 	
	 									
ADJUSTMENTS TO NET INCOME (LOSS):	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	 	 	15	  	 	 	(4	) 	 	 	11	  	 	 	22	  	 	 	101	  	 	 	8	  	 	 	7	  	 	 	138	  	
Goodwill impairment, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	19	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	19	  	
Gain on sale of business, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(36	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(36	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	(39	) 	 	$	(50	) 	 	$	(14	) 	 	$	(103	) 	 	$	12	  	 	$	(63	) 	 	$	(74	) 	 	$	(68	) 	 	$	(193	) 	

Effective tax rate (operating income (loss))	  	 	43.3	% 	 	 	34.0	% 	 	 	57.5	% 	 	 	41.8	% 	 	 	120.9	% 	 	 	43.1	% 	 	 	-22.7	% 	 	 	15.5	% 	 	 	37.3	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss)—Corporate and Runoff Division
(amounts in millions)

Three months ended September 30, 2012	  	Runoff Segment	 	 	Corporate and  Other (1) 	 	  	Total	 	
REVENUES:	  				 				  			 	
Premiums	  	$	1	  	 	$	—  	  	  	$	1	  	
Net investment income	  	 	34	  	 	 	3	  	  	 	37	  	
Net investment gains (losses)	  	 	5	  	 	 	(4	) 	  	 	1	  	
Insurance and investment product fees and other	  	 	52	  	 	 	35	  	  	 	87	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	92	  	 	 	34	  	  	 	126	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				  			 	
Benefits and other changes in policy reserves	  	 	9	  	 	 	—  	  	  	 	9	  	
Interest credited	  	 	33	  	 	 	—  	  	  	 	33	  	
Acquisition and operating expenses, net of deferrals	  	 	18	  	 	 	34	  	  	 	52	  	
Amortization of deferred acquisition costs and intangibles	  	 	18	  	 	 	3	  	  	 	21	  	
Interest expense	  	 	—  	  	 	 	82	  	  	 	82	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	78	  	 	 	119	  	  	 	197	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	14	  	 	 	(85	) 	  	 	(71	) 	
Provision (benefit) for income taxes	  	 	3	  	 	 	(35	) 	  	 	(32	) 	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET INCOME (LOSS)	  	 	11	  	 	 	(50	) 	  	 	(39	) 	
			 	
ADJUSTMENT TO NET INCOME (LOSS):	  				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(2	) 	 	 	2	  	  	 	—  	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	9	  	 	$	(48	) 	  	$	(39	) 	

Effective tax rate (operating income (loss))	  	 	19.0	% 	 	 	40.1	% 	  	 	43.3	% 	
Three months ended September 30, 2011	  	Runoff Segment	 	 	Corporate and  Other (1) 	 	  	Total	 	
REVENUES:	  				 				  			 	
Premiums	  	$	89	  	 	$	—  	  	  	$	89	  	
Net investment income	  	 	33	  	 	 	2	  	  	 	35	  	
Net investment gains (losses)	  	 	(159	) 	 	 	(11	) 	  	 	(170	) 	
Insurance and investment product fees and other	  	 	55	  	 	 	13	  	  	 	68	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	18	  	 	 	4	  	  	 	22	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				  			 	
Benefits and other changes in policy reserves	  	 	86	  	 	 	—  	  	  	 	86	  	
Interest credited	  	 	34	  	 	 	—  	  	  	 	34	  	
Acquisition and operating expenses, net of deferrals	  	 	35	  	 	 	14	  	  	 	49	  	
Amortization of deferred acquisition costs and intangibles	  	 	32	  	 	 	3	  	  	 	35	  	
Interest expense	  	 	—  	  	 	 	82	  	  	 	82	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	187	  	 	 	99	  	  	 	286	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
LOSS BEFORE INCOME TAXES	  	 	(169	) 	 	 	(95	) 	  	 	(264	) 	
Benefit for income taxes	  	 	(70	) 	 	 	(30	) 	  	 	(100	) 	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET LOSS	  	 	(99	) 	 	 	(65	) 	  	 	(164	) 	
			 	
ADJUSTMENT TO NET LOSS:	  				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	92	  	 	 	9	  	  	 	101	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING LOSS	  	$	(7	) 	 	$	(56	) 	  	$	(63	) 	

Effective tax rate (operating loss)	  	 	76.0	% 	 	 	31.8	% 	  	 	43.1	% 	

(1)  	Includes inter-segment eliminations and non-core products.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss)—Corporate and Runoff Division
(amounts in millions)

Nine months ended September 30, 2012	  	Runoff Segment	 	 	Corporate and  Other (1) 	 	  	Total	 	
REVENUES:	  				 				  			 	
Premiums	  	$	4	  	 	$	—  	  	  	$	4	  	
Net investment income	  	 	108	  	 	 	19	  	  	 	127	  	
Net investment gains (losses)	  	 	22	  	 	 	(39	) 	  	 	(17	) 	
Insurance and investment product fees and other	  	 	155	  	 	 	80	  	  	 	235	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	289	  	 	 	60	  	  	 	349	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				  			 	
Benefits and other changes in policy reserves	  	 	24	  	 	 	—  	  	  	 	24	  	
Interest credited	  	 	100	  	 	 	—  	  	  	 	100	  	
Acquisition and operating expenses, net of deferrals	  	 	58	  	 	 	92	  	  	 	150	  	
Amortization of deferred acquisition costs and intangibles	  	 	31	  	 	 	9	  	  	 	40	  	
Interest expense	  	 	1	  	 	 	228	  	  	 	229	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	214	  	 	 	329	  	  	 	543	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	75	  	 	 	(269	) 	  	 	(194	) 	
Provision (benefit) for income taxes	  	 	23	  	 	 	(103	) 	  	 	(80	) 	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET INCOME (LOSS)	  	 	52	  	 	 	(166	) 	  	 	(114	) 	
			 	
ADJUSTMENT TO NET INCOME (LOSS):	  				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(14	) 	 	 	25	  	  	 	11	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	38	  	 	$	(141	) 	  	$	(103	) 	

Effective tax rate (operating income (loss))	  	 	28.6	% 	 	 	38.7	% 	  	 	41.8	% 	
Nine months ended September 30, 2011	  	Runoff Segment	 	 	Corporate and Other (1) 	 	  	Total	 	
REVENUES:	  				 				  			 	
Premiums	  	$	258	  	 	$	—  	  	  	$	258	  	
Net investment income	  	 	104	  	 	 	19	  	  	 	123	  	
Net investment gains (losses)	  	 	(170	) 	 	 	(28	) 	  	 	(198	) 	
Insurance and investment product fees and other	  	 	171	  	 	 	26	  	  	 	197	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	363	  	 	 	17	  	  	 	380	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				  			 	
Benefits and other changes in policy reserves	  	 	233	  	 	 	—  	  	  	 	233	  	
Interest credited	  	 	103	  	 	 	—  	  	  	 	103	  	
Acquisition and operating expenses, net of deferrals	  	 	118	  	 	 	25	  	  	 	143	  	
Amortization of deferred acquisition costs and intangibles	  	 	68	  	 	 	9	  	  	 	77	  	
Interest expense	  	 	1	  	 	 	250	  	  	 	251	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	523	  	 	 	284	  	  	 	807	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
LOSS BEFORE INCOME TAXES	  	 	(160	) 	 	 	(267	) 	  	 	(427	) 	
Benefit for income taxes	  	 	(75	) 	 	 	(31	) 	  	 	(106	) 	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET LOSS	  	 	(85	) 	 	 	(236	) 	  	 	(321	) 	
			 	
ADJUSTMENT TO NET LOSS:	  				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	97	  	 	 	19	  	  	 	116	  	
	  	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	12	  	 	$	(217	) 	  	$	(205	) 	

Effective tax rate (operating income (loss))	  	 	192.4	% 	 	 	9.0	% 	  	 	18.7	% 	

(1)  	Includes inter-segment eliminations and non-core products.	
 
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Runoff Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Income (Loss) and Sales—Runoff Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	1	  	 	$	2	  	 	$	1	  	 	$	4	  	 	$	2	  	 	$	89	  	 	$	84	  	 	$	85	  	 	$	260	  	
Net investment income	  	 	34	  	 	 	36	  	 	 	38	  	 	 	108	  	 	 	36	  	 	 	33	  	 	 	37	  	 	 	34	  	 	 	140	  	
Net investment gains (losses)	  	 	5	  	 	 	(25	) 	 	 	42	  	 	 	22	  	 	 	(4	) 	 	 	(159	) 	 	 	(11	) 	 	 	—  	  	 	 	(174	) 	
Insurance and investment product fees and other	  	 	52	  	 	 	51	  	 	 	52	  	 	 	155	  	 	 	128	  	 	 	55	  	 	 	57	  	 	 	59	  	 	 	299	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	92	  	 	 	64	  	 	 	133	  	 	 	289	  	 	 	162	  	 	 	18	  	 	 	167	  	 	 	178	  	 	 	525	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	9	  	 	 	14	  	 	 	1	  	 	 	24	  	 	 	1	  	 	 	86	  	 	 	69	  	 	 	78	  	 	 	234	  	
Interest credited	  	 	33	  	 	 	34	  	 	 	33	  	 	 	100	  	 	 	32	  	 	 	34	  	 	 	34	  	 	 	35	  	 	 	135	  	
Acquisition and operating expenses, net of deferrals	  	 	18	  	 	 	21	  	 	 	19	  	 	 	58	  	 	 	24	  	 	 	35	  	 	 	37	  	 	 	46	  	 	 	142	  	
Amortization of deferred acquisition costs and intangibles	  	 	18	  	 	 	17	  	 	 	(4	) 	 	 	31	  	 	 	2	  	 	 	32	  	 	 	20	  	 	 	16	  	 	 	70	  	
Interest expense	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	78	  	 	 	87	  	 	 	49	  	 	 	214	  	 	 	60	  	 	 	187	  	 	 	161	  	 	 	175	  	 	 	583	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) BEFORE INCOME TAXES	  	 	14	  	 	 	(23	) 	 	 	84	  	 	 	75	  	 	 	102	  	 	 	(169	) 	 	 	6	  	 	 	3	  	 	 	(58	) 	
Provision (benefit) for income taxes	  	 	3	  	 	 	(2	) 	 	 	22	  	 	 	23	  	 	 	54	  	 	 	(70	) 	 	 	(6	) 	 	 	1	  	 	 	(21	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	11	  	 	 	(21	) 	 	 	62	  	 	 	52	  	 	 	48	  	 	 	(99	) 	 	 	12	  	 	 	2	  	 	 	(37	) 	
ADJUSTMENTS TO NET INCOME (LOSS):	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(2	) 	 	 	15	  	 	 	(27	) 	 	 	(14	) 	 	 	3	  	 	 	92	  	 	 	6	  	 	 	(1	) 	 	 	100	  	
Gain on sale of business, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(36	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(36	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	9	  	 	$	(6	) 	 	$	35	  	 	$	38	  	 	$	15	  	 	$	(7	) 	 	$	18	  	 	$	1	  	 	$	27	  	

Effective tax rate (operating income (loss))	  	 	19.0	% 	 	 	NM 	(1)  	 	 	16.9	% 	 	 	28.6	% 	 	 	45.9	% 	 	 	76.0	% 	 	 	-28.8	% 	 	 	17.0	% 	 	 	-97.3	% 	

(1)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Selected Operating Performance Measures—Runoff Segment
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Variable Annuities:	  			 	  				 				 				 				 				 				 				 				
Income Distribution Series	  			 	  				 				 				 				 				 				 				 				
Account value, beginning of the period	  	$	6,229	  	  	$	6,398	  	 	$	6,265	  	 	$	6,265	  	 	$	6,148	  	 	$	6,606	  	 	$	6,687	  	 	$	6,590	  	 	$	6,590	  	
Deposits	  	 	17	  	  	 	20	  	 	 	26	  	 	 	63	  	 	 	23	  	 	 	30	  	 	 	33	  	 	 	117	  	 	 	203	  	
Surrenders, benefits and product charges	  	 	(184	) 	  	 	(168	) 	 	 	(174	) 	 	 	(526	) 	 	 	(159	) 	 	 	(171	) 	 	 	(171	) 	 	 	(185	) 	 	 	(686	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(167	) 	  	 	(148	) 	 	 	(148	) 	 	 	(463	) 	 	 	(136	) 	 	 	(141	) 	 	 	(138	) 	 	 	(68	) 	 	 	(483	) 	
Interest credited and investment performance	  	 	199	  	  	 	(21	) 	 	 	281	  	 	 	459	  	 	 	253	  	 	 	(317	) 	 	 	57	  	 	 	165	  	 	 	158	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	6,261	  	  	 	6,229	  	 	 	6,398	  	 	 	6,261	  	 	 	6,265	  	 	 	6,148	  	 	 	6,606	  	 	 	6,687	  	 	 	6,265	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Traditional Variable Annuities	  			 	  				 				 				 				 				 				 				 				
Account value, net of reinsurance, beginning of the period	  	 	1,703	  	  	 	1,819	  	 	 	1,766	  	 	 	1,766	  	 	 	1,735	  	 	 	2,012	  	 	 	2,096	  	 	 	2,078	  	 	 	2,078	  	
Deposits	  	 	4	  	  	 	3	  	 	 	3	  	 	 	10	  	 	 	3	  	 	 	4	  	 	 	3	  	 	 	17	  	 	 	27	  	
Surrenders, benefits and product charges	  	 	(72	) 	  	 	(81	) 	 	 	(89	) 	 	 	(242	) 	 	 	(82	) 	 	 	(73	) 	 	 	(100	) 	 	 	(88	) 	 	 	(343	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(68	) 	  	 	(78	) 	 	 	(86	) 	 	 	(232	) 	 	 	(79	) 	 	 	(69	) 	 	 	(97	) 	 	 	(71	) 	 	 	(316	) 	
Interest credited and investment performance	  	 	80	  	  	 	(38	) 	 	 	139	  	 	 	181	  	 	 	110	  	 	 	(208	) 	 	 	13	  	 	 	89	  	 	 	4	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, net of reinsurance, end of the period	  	 	1,715	  	  	 	1,703	  	 	 	1,819	  	 	 	1,715	  	 	 	1,766	  	 	 	1,735	  	 	 	2,012	  	 	 	2,096	  	 	 	1,766	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Variable Life Insurance	  			 	  				 				 				 				 				 				 				 				
Account value, beginning of the period	  	 	293	  	  	 	305	  	 	 	284	  	 	 	284	  	 	 	272	  	 	 	314	  	 	 	319	  	 	 	313	  	 	 	313	  	
Deposits	  	 	2	  	  	 	2	  	 	 	3	  	 	 	7	  	 	 	2	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	11	  	
Surrenders, benefits and product charges	  	 	(12	) 	  	 	(10	) 	 	 	(8	) 	 	 	(30	) 	 	 	(8	) 	 	 	(12	) 	 	 	(11	) 	 	 	(11	) 	 	 	(42	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(10	) 	  	 	(8	) 	 	 	(5	) 	 	 	(23	) 	 	 	(6	) 	 	 	(9	) 	 	 	(8	) 	 	 	(8	) 	 	 	(31	) 	
Interest credited and investment performance	  	 	11	  	  	 	(4	) 	 	 	26	  	 	 	33	  	 	 	18	  	 	 	(33	) 	 	 	3	  	 	 	14	  	 	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	294	  	  	 	293	  	 	 	305	  	 	 	294	  	 	 	284	  	 	 	272	  	 	 	314	  	 	 	319	  	 	 	284	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Variable Annuities	  	$	8,270	  	  	$	8,225	  	 	$	8,522	  	 	$	8,270	  	 	$	8,315	  	 	$	8,155	  	 	$	8,932	  	 	$	9,102	  	 	$	8,315	  	

Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements:	  				  				 				 				 				 				 				 				 				
Account value, beginning of period	  	$	2,221	  	  	$	2,594	  	 	$	2,623	  	 	$	2,623	  	 	$	2,717	  	 	$	3,043	  	 	$	3,317	  	 	$	3,717	  	 	$	3,717	  	
Deposits	  	 	84	  	  	 	—  	  	 	 	—  	  	 	 	84	  	 				 				 				 				 				
Surrenders and benefits	  	 	(26	) 	  	 	(385	) 	 	 	(55	) 	 	 	(466	) 	 	 	(111	) 	 	 	(341	) 	 	 	(312	) 	 	 	(435	) 	 	 	(1,199	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	58	  	  	 	(385	) 	 	 	(55	) 	 	 	(382	) 	 	 	(111	) 	 	 	(341	) 	 	 	(312	) 	 	 	(435	) 	 	 	(1,199	) 	
Interest credited	  	 	17	  	  	 	18	  	 	 	21	  	 	 	56	  	 	 	21	  	 	 	24	  	 	 	28	  	 	 	33	  	 	 	106	  	
Foreign currency translation	  	 	1	  	  	 	(6	) 	 	 	5	  	 	 	—  	  	 	 	(4	) 	 	 	(9	) 	 	 	10	  	 	 	2	  	 	 	(1	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of period	  	$	2,297	  	  	$	2,221	  	 	$	2,594	  	 	$	2,297	  	 	$	2,623	  	 	$	2,717	  	 	$	3,043	  	 	$	3,317	  	 	$	2,623	  	

 
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Corporate and Other
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Net Operating Loss—Corporate and Other (1)
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	
Net investment income	  	 	3	  	 	 	16	  	 	 	—  	  	 	 	19	  	 	 	13	  	 	 	2	  	 	 	18	  	 	 	(1	) 	 	 	32	  	
Net investment gains (losses)	  	 	(4	) 	 	 	—  	  	 	 	(35	) 	 	 	(39	) 	 	 	(32	) 	 	 	(11	) 	 	 	(3	) 	 	 	(14	) 	 	 	(60	) 	
Insurance and investment product fees and other	  	 	35	  	 	 	24	  	 	 	21	  	 	 	80	  	 	 	14	  	 	 	13	  	 	 	6	  	 	 	7	  	 	 	40	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	34	  	 	 	40	  	 	 	(14	) 	 	 	60	  	 	 	(5	) 	 	 	4	  	 	 	21	  	 	 	(8	) 	 	 	12	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest credited	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	  	 	34	  	 	 	28	  	 	 	30	  	 	 	92	  	 	 	25	  	 	 	14	  	 	 	9	  	 	 	2	  	 	 	50	  	
Amortization of deferred acquisition costs and intangibles	  	 	3	  	 	 	3	  	 	 	3	  	 	 	9	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	12	  	
Goodwill impairment	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	29	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	29	  	
Interest expense	  	 	82	  	 	 	84	  	 	 	62	  	 	 	228	  	 	 	81	  	 	 	82	  	 	 	86	  	 	 	82	  	 	 	331	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	119	  	 	 	115	  	 	 	95	  	 	 	329	  	 	 	138	  	 	 	99	  	 	 	98	  	 	 	87	  	 	 	422	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS BEFORE INCOME TAXES	  	 	(85	) 	 	 	(75	) 	 	 	(109	) 	 	 	(269	) 	 	 	(143	) 	 	 	(95	) 	 	 	(77	) 	 	 	(95	) 	 	 	(410	) 	
Provision (benefit) for income taxes	  	 	(35	) 	 	 	(31	) 	 	 	(37	) 	 	 	(103	) 	 	 	(102	) 	 	 	(30	) 	 	 	17	  	 	 	(18	) 	 	 	(133	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	  	 	(50	) 	 	 	(44	) 	 	 	(72	) 	 	 	(166	) 	 	 	(41	) 	 	 	(65	) 	 	 	(94	) 	 	 	(77	) 	 	 	(277	) 	
ADJUSTMENTS TO NET LOSS:	  			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	 	 	—  	  	 	 	23	  	 	 	25	  	 	 	19	  	 	 	9	  	 	 	2	  	 	 	8	  	 	 	38	  	
Goodwill impairment, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	19	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	19	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	  	$	(48	) 	 	$	(44	) 	 	$	(49	) 	 	$	(141	) 	 	$	(3	) 	 	$	(56	) 	 	$	(92	) 	 	$	(69	) 	 	$	(220	) 	

Effective tax rate (operating loss)	  	 	40.1	% 	 	 	41.8	% 	 	 	34.1	% 	 	 	38.7	% 	 	 	96.7	% 	 	 	31.8	% 	 	 	-23.8	% 	 	 	15.5	% 	 	 	31.6	% 	

(1)  	Includes inter-segment eliminations and non-core products.	
 
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 Additional Financial Data
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Investments Summary
(amounts in millions)

 	 	 	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
 	 	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	
Composition of Investment Portfolio	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Fixed maturity securities:	 				 			 	 				 				 				 				 				 				 				 				
Investment grade:	 				 			 	 				 				 				 				 				 				 				 				
Public fixed maturity securities	 	$	37,335	  	 	 	48	% 	 	$	35,553	  	 	 	46	% 	 	$	34,598	  	 	 	46	% 	 	$	34,770	  	 	 	46	% 	 	$	34,689	  	 	 	46	% 	
Private fixed maturity securities	 	 	10,306	  	 	 	13	  	 	 	10,119	  	 	 	13	  	 	 	9,992	  	 	 	13	  	 	 	9,480	  	 	 	12	  	 	 	9,309	  	 	 	12	  	
Residential mortgage-backed securities (1)	 	 	5,489	  	 	 	7	  	 	 	5,377	  	 	 	7	  	 	 	5,250	  	 	 	7	  	 	 	5,129	  	 	 	7	  	 	 	4,747	  	 	 	6	  	
Commercial mortgage-backed securities	 	 	2,902	  	 	 	4	  	 	 	2,900	  	 	 	4	  	 	 	2,987	  	 	 	4	  	 	 	3,045	  	 	 	4	  	 	 	3,139	  	 	 	4	  	
Other asset-backed securities	 	 	2,685	  	 	 	3	  	 	 	2,531	  	 	 	3	  	 	 	2,396	  	 	 	3	  	 	 	2,516	  	 	 	3	  	 	 	2,030	  	 	 	3	  	
Tax-exempt	 	 	302	  	 	 	—  	  	 	 	310	  	 	 	1	  	 	 	341	  	 	 	1	  	 	 	503	  	 	 	1	  	 	 	693	  	 	 	1	  	
Non-investment grade fixed maturity securities	 	 	3,195	  	 	 	4	  	 	 	3,001	  	 	 	4	  	 	 	2,968	  	 	 	4	  	 	 	2,852	  	 	 	4	  	 	 	3,209	  	 	 	4	  	
Equity securities:	 				 			 	 				 				 				 				 				 				 				 				
Common stocks and mutual funds	 	 	410	  	 	 	1	  	 	 	374	  	 	 	1	  	 	 	384	  	 	 	1	  	 	 	306	  	 	 	—  	  	 	 	284	  	 	 	—  	  	
Preferred stocks	 	 	114	  	 	 	—  	  	 	 	57	  	 	 	—  	  	 	 	50	  	 	 	—  	  	 	 	55	  	 	 	—  	  	 	 	70	  	 	 	—  	  	
Commercial mortgage loans	 	 	5,861	  	 	 	8	  	 	 	5,875	  	 	 	8	  	 	 	6,030	  	 	 	8	  	 	 	6,092	  	 	 	8	  	 	 	6,271	  	 	 	8	  	
Restricted commercial mortgage loans related to securitization entities	 	 	359	  	 	 	—  	  	 	 	382	  	 	 	—  	  	 	 	392	  	 	 	1	  	 	 	411	  	 	 	1	  	 	 	430	  	 	 	1	  	
Policy loans	 	 	1,626	  	 	 	2	  	 	 	1,619	  	 	 	2	  	 	 	1,555	  	 	 	2	  	 	 	1,549	  	 	 	2	  	 	 	1,556	  	 	 	2	  	
Cash, cash equivalents and short-term investments	 	 	3,875	  	 	 	5	  	 	 	4,150	  	 	 	5	  	 	 	4,404	  	 	 	6	  	 	 	5,145	  	 	 	7	  	 	 	3,822	  	 	 	5	  	
Securities lending	 	 	181	  	 	 	—  	  	 	 	175	  	 	 	—  	  	 	 	93	  	 	 	—  	  	 	 	406	  	 	 	1	  	 	 	204	  	 	 	—  	  	
Other invested assets:	 	Limited partnerships	 	 	344	  	 	 	—  	  	 	 	357	  	 	 	—  	  	 	 	352	  	 	 	—  	  	 	 	344	  	 	 	—  	  	 	 	355	  	 	 	1	  	
	 	Derivatives:	 				 			 	 				 				 				 				 				 				 				 				
	 	LTC forward starting swap—cash flow	 	 	614	  	 	 	1	  	 	 	801	  	 	 	1	  	 	 	252	  	 	 	—  	  	 	 	648	  	 	 	1	  	 	 	1,515	  	 	 	2	  	
	 	Other cash flow	 	 	1	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	Fair value	 	 	48	  	 	 	—  	  	 	 	54	  	 	 	—  	  	 	 	69	  	 	 	—  	  	 	 	75	  	 	 	—  	  	 	 	93	  	 	 	—  	  	
	 	Equity index options—non-qualified	 	 	24	  	 	 	—  	  	 	 	31	  	 	 	—  	  	 	 	21	  	 	 	—  	  	 	 	55	  	 	 	—  	  	 	 	62	  	 	 	—  	  	
	 	LTC swaptions—non-qualified	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	Other non-qualified	 	 	697	  	 	 	1	  	 	 	710	  	 	 	1	  	 	 	516	  	 	 	1	  	 	 	707	  	 	 	1	  	 	 	745	  	 	 	1	  	
	 	Trading portfolio	 	 	690	  	 	 	1	  	 	 	752	  	 	 	1	  	 	 	770	  	 	 	1	  	 	 	788	  	 	 	1	  	 	 	639	  	 	 	1	  	
	 	Counterparty collateral	 	 	1,010	  	 	 	1	  	 	 	1,218	  	 	 	2	  	 	 	589	  	 	 	1	  	 	 	1,023	  	 	 	1	  	 	 	1,733	  	 	 	2	  	
	 	Restricted other invested assets related to securitization entities	 	 	393	  	 	 	1	  	 	 	391	  	 	 	1	  	 	 	384	  	 	 	1	  	 	 	377	  	 	 	—  	  	 	 	377	  	 	 	1	  	
	 	Other	 	 	173	  	 	 	—  	  	 	 	135	  	 	 	—  	  	 	 	121	  	 	 	—  	  	 	 	116	  	 	 	—  	  	 	 	106	  	 	 	—  	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total invested assets and cash	 	$	78,634	  	 	 	100	% 	 	$	76,875	  	 	 	100	% 	 	$	74,515	  	 	 	100	% 	 	$	76,392	  	 	 	100	% 	 	$	76,078	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Public Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Rating Agency Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	17,864	  	 	 	37	% 	 	$	17,055	  	 	 	37	% 	 	$	16,612	  	 	 	37	% 	 	$	17,179	  	 	 	38	% 	 	$	17,035	  	 	 	38	% 	
AA	 		 	 	4,709	  	 	 	10	  	 	 	4,498	  	 	 	10	  	 	 	4,574	  	 	 	10	  	 	 	4,666	  	 	 	10	  	 	 	5,038	  	 	 	11	  	
A	 		 	 	13,311	  	 	 	28	  	 	 	13,083	  	 	 	28	  	 	 	12,542	  	 	 	28	  	 	 	12,577	  	 	 	28	  	 	 	12,499	  	 	 	28	  	
BBB	 		 	 	10,372	  	 	 	21	  	 	 	9,759	  	 	 	21	  	 	 	9,638	  	 	 	21	  	 	 	9,334	  	 	 	21	  	 	 	8,721	  	 	 	19	  	
BB	 		 	 	1,280	  	 	 	3	  	 	 	1,205	  	 	 	3	  	 	 	1,173	  	 	 	3	  	 	 	1,102	  	 	 	2	  	 	 	1,206	  	 	 	3	  	
B	 		 	 	145	  	 	 	—  	  	 	 	160	  	 	 	—  	  	 	 	150	  	 	 	—  	  	 	 	142	  	 	 	—  	  	 	 	233	  	 	 	—  	  	
CCC and lower	 		 	 	456	  	 	 	1	  	 	 	408	  	 	 	1	  	 	 	424	  	 	 	1	  	 	 	420	  	 	 	1	  	 	 	449	  	 	 	1	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total public fixed maturity securities	 	$	48,137	  	 	 	100	% 	 	$	46,168	  	 	 	100	% 	 	$	45,113	  	 	 	100	% 	 	$	45,420	  	 	 	100	% 	 	$	45,181	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Private Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Rating Agency Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	1,657	  	 	 	12	% 	 	$	1,649	  	 	 	12	% 	 	$	1,581	  	 	 	12	% 	 	$	1,754	  	 	 	14	% 	 	$	1,305	  	 	 	10	% 	
AA	 		 	 	1,349	  	 	 	10	  	 	 	1,170	  	 	 	9	  	 	 	1,122	  	 	 	8	  	 	 	1,079	  	 	 	8	  	 	 	1,072	  	 	 	9	  	
A	 		 	 	4,164	  	 	 	29	  	 	 	4,238	  	 	 	31	  	 	 	4,290	  	 	 	32	  	 	 	3,993	  	 	 	31	  	 	 	4,087	  	 	 	32	  	
BBB	 		 	 	5,593	  	 	 	40	  	 	 	5,338	  	 	 	39	  	 	 	5,205	  	 	 	39	  	 	 	4,861	  	 	 	38	  	 	 	4,850	  	 	 	39	  	
BB	 		 	 	974	  	 	 	7	  	 	 	906	  	 	 	7	  	 	 	966	  	 	 	7	  	 	 	929	  	 	 	7	  	 	 	974	  	 	 	8	  	
B	 		 	 	187	  	 	 	1	  	 	 	171	  	 	 	1	  	 	 	119	  	 	 	1	  	 	 	125	  	 	 	1	  	 	 	168	  	 	 	1	  	
CCC and lower	 		 	 	153	  	 	 	1	  	 	 	151	  	 	 	1	  	 	 	136	  	 	 	1	  	 	 	134	  	 	 	1	  	 	 	179	  	 	 	1	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total private fixed maturity securities	 	$	14,077	  	 	 	100	% 	 	$	13,623	  	 	 	100	% 	 	$	13,419	  	 	 	100	% 	 	$	12,875	  	 	 	100	% 	 	$	12,635	  	 	 	100	% 	

 

(1)  	The company does not have any material exposure to residential mortgage-backed securities collateralized debt obligations (CDOs).	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Fixed Maturity Securities Summary
(amounts in millions)

 	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
 	 	Fair Value	 	 	% of Total	 	 	Fair Value	 	 	% of Total	 	 	Fair Value	 	 	% of Total	 	 	Fair Value	 	 	% of Total	 	 	Fair Value	 	 	% of Total	 	
Fixed Maturity Securities—Security Sector:	 				 			 	 				 				 				 				 				 				 				 				
U.S. government, agencies and government-sponsored enterprises	 	$	5,503	  	 	 	9	% 	 	$	4,985	  	 	 	8	% 	 	$	4,574	  	 	 	8	% 	 	$	4,863	  	 	 	8	% 	 	$	4,825	  	 	 	8	% 	
Tax-exempt	 	 	302	  	 	 	1	  	 	 	310	  	 	 	1	  	 	 	341	  	 	 	—  	  	 	 	503	  	 	 	1	  	 	 	693	  	 	 	1	  	
Foreign government	 	 	2,574	  	 	 	4	  	 	 	2,505	  	 	 	4	  	 	 	2,291	  	 	 	4	  	 	 	2,211	  	 	 	4	  	 	 	2,165	  	 	 	4	  	
U.S. corporate	 	 	26,306	  	 	 	42	  	 	 	25,545	  	 	 	43	  	 	 	25,207	  	 	 	43	  	 	 	25,258	  	 	 	43	  	 	 	25,368	  	 	 	44	  	
Foreign corporate	 	 	15,368	  	 	 	25	  	 	 	14,585	  	 	 	24	  	 	 	14,442	  	 	 	25	  	 	 	13,757	  	 	 	24	  	 	 	13,705	  	 	 	24	  	
Residential mortgage-backed securities	 	 	6,119	  	 	 	10	  	 	 	5,976	  	 	 	10	  	 	 	5,852	  	 	 	10	  	 	 	5,695	  	 	 	10	  	 	 	5,380	  	 	 	9	  	
Commercial mortgage-backed securities	 	 	3,286	  	 	 	5	  	 	 	3,268	  	 	 	6	  	 	 	3,346	  	 	 	6	  	 	 	3,400	  	 	 	6	  	 	 	3,543	  	 	 	6	  	
Other asset-backed securities	 	 	2,756	  	 	 	4	  	 	 	2,617	  	 	 	4	  	 	 	2,479	  	 	 	4	  	 	 	2,608	  	 	 	4	  	 	 	2,137	  	 	 	4	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total fixed maturity securities	 	$	62,214	  	 	 	100	% 	 	$	59,791	  	 	 	100	% 	 	$	58,532	  	 	 	100	% 	 	$	58,295	  	 	 	100	% 	 	$	57,816	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate Bond Holdings—Industry Sector:	 				 			 	 				 				 				 				 				 				 				 				
Investment Grade:	 				 			 	 				 				 				 				 				 				 				 				
Finance and insurance	 	$	8,063	  	 	 	20	% 	 	$	8,028	  	 	 	21	% 	 	$	8,138	  	 	 	21	% 	 	$	7,919	  	 	 	21	% 	 	$	8,119	  	 	 	22	% 	
Utilities and energy	 	 	9,265	  	 	 	23	  	 	 	8,965	  	 	 	23	  	 	 	8,752	  	 	 	23	  	 	 	8,653	  	 	 	23	  	 	 	8,608	  	 	 	23	  	
Consumer—non-cyclical	 	 	5,065	  	 	 	13	  	 	 	4,917	  	 	 	13	  	 	 	4,778	  	 	 	13	  	 	 	4,662	  	 	 	12	  	 	 	4,569	  	 	 	12	  	
Consumer—cyclical	 	 	2,222	  	 	 	6	  	 	 	2,249	  	 	 	6	  	 	 	2,183	  	 	 	6	  	 	 	2,088	  	 	 	6	  	 	 	1,976	  	 	 	5	  	
Capital goods	 	 	2,515	  	 	 	6	  	 	 	2,413	  	 	 	6	  	 	 	2,345	  	 	 	6	  	 	 	2,388	  	 	 	6	  	 	 	2,485	  	 	 	7	  	
Industrial	 	 	2,434	  	 	 	6	  	 	 	2,341	  	 	 	6	  	 	 	2,267	  	 	 	6	  	 	 	2,149	  	 	 	6	  	 	 	1,995	  	 	 	5	  	
Technology and communications	 	 	2,792	  	 	 	7	  	 	 	2,629	  	 	 	7	  	 	 	2,630	  	 	 	7	  	 	 	2,522	  	 	 	7	  	 	 	2,443	  	 	 	7	  	
Transportation	 	 	1,566	  	 	 	4	  	 	 	1,454	  	 	 	4	  	 	 	1,435	  	 	 	4	  	 	 	1,445	  	 	 	4	  	 	 	1,403	  	 	 	4	  	
Other	 	 	5,786	  	 	 	15	  	 	 	5,322	  	 	 	14	  	 	 	5,331	  	 	 	14	  	 	 	5,520	  	 	 	15	  	 	 	5,580	  	 	 	15	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	 	 	39,708	  	 	 	100	% 	 	 	38,318	  	 	 	100	% 	 	 	37,859	  	 	 	100	% 	 	 	37,346	  	 	 	100	% 	 	 	37,178	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Non-Investment Grade:	 				 			 	 				 				 				 				 				 				 				 				
Finance and insurance	 	 	460	  	 	 	23	% 	 	 	414	  	 	 	23	% 	 	 	348	  	 	 	20	% 	 	 	290	  	 	 	17	% 	 	 	375	  	 	 	20	% 	
Utilities and energy	 	 	429	  	 	 	22	  	 	 	381	  	 	 	21	  	 	 	396	  	 	 	22	  	 	 	340	  	 	 	21	  	 	 	322	  	 	 	17	  	
Consumer—non-cyclical	 	 	160	  	 	 	8	  	 	 	135	  	 	 	7	  	 	 	142	  	 	 	8	  	 	 	132	  	 	 	8	  	 	 	166	  	 	 	9	  	
Consumer—cyclical	 	 	95	  	 	 	5	  	 	 	76	  	 	 	4	  	 	 	76	  	 	 	4	  	 	 	72	  	 	 	4	  	 	 	106	  	 	 	5	  	
Capital goods	 	 	287	  	 	 	14	  	 	 	310	  	 	 	17	  	 	 	303	  	 	 	17	  	 	 	303	  	 	 	18	  	 	 	335	  	 	 	17	  	
Industrial	 	 	290	  	 	 	15	  	 	 	269	  	 	 	15	  	 	 	280	  	 	 	16	  	 	 	286	  	 	 	17	  	 	 	318	  	 	 	17	  	
Technology and communications	 	 	171	  	 	 	9	  	 	 	140	  	 	 	8	  	 	 	165	  	 	 	9	  	 	 	159	  	 	 	10	  	 	 	168	  	 	 	9	  	
Transportation	 	 	58	  	 	 	3	  	 	 	59	  	 	 	3	  	 	 	60	  	 	 	3	  	 	 	68	  	 	 	4	  	 	 	88	  	 	 	5	  	
Other	 	 	16	  	 	 	1	  	 	 	28	  	 	 	2	  	 	 	20	  	 	 	1	  	 	 	19	  	 	 	1	  	 	 	17	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	 	 	1,966	  	 	 	100	% 	 	 	1,812	  	 	 	100	% 	 	 	1,790	  	 	 	100	% 	 	 	1,669	  	 	 	100	% 	 	 	1,895	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total	 	$	41,674	  	 	 	100	% 	 	$	40,130	  	 	 	100	% 	 	$	39,649	  	 	 	100	% 	 	$	39,015	  	 	 	100	% 	 	$	39,073	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Fixed Maturity Securities—Contractual Maturity Dates:	 				 			 	 				 				 				 				 				 				 				 				
Due in one year or less	 	$	3,097	  	 	 	5	% 	 	$	3,054	  	 	 	5	% 	 	$	2,958	  	 	 	5	% 	 	$	2,756	  	 	 	5	% 	 	$	2,720	  	 	 	5	% 	
Due after one year through five years	 	 	11,162	  	 	 	18	  	 	 	10,765	  	 	 	18	  	 	 	11,183	  	 	 	19	  	 	 	11,225	  	 	 	19	  	 	 	11,172	  	 	 	19	  	
Due after five years through ten years	 	 	12,009	  	 	 	19	  	 	 	11,569	  	 	 	19	  	 	 	11,066	  	 	 	19	  	 	 	10,472	  	 	 	18	  	 	 	10,612	  	 	 	18	  	
Due after ten years	 	 	23,785	  	 	 	38	  	 	 	22,542	  	 	 	38	  	 	 	21,648	  	 	 	37	  	 	 	22,139	  	 	 	38	  	 	 	22,252	  	 	 	39	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	 	 	50,053	  	 	 	80	  	 	 	47,930	  	 	 	80	  	 	 	46,855	  	 	 	80	  	 	 	46,592	  	 	 	80	  	 	 	46,756	  	 	 	81	  	
Mortgage and asset-backed securities	 	 	12,161	  	 	 	20	  	 	 	11,861	  	 	 	20	  	 	 	11,677	  	 	 	20	  	 	 	11,703	  	 	 	20	  	 	 	11,060	  	 	 	19	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total fixed maturity securities	 	$	62,214	  	 	 	100	% 	 	$	59,791	  	 	 	100	% 	 	$	58,532	  	 	 	100	% 	 	$	58,295	  	 	 	100	% 	 	$	57,816	  	 	 	100	% 	

 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Commercial Mortgage Loans Summary
(amounts in millions)

 	 	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	
Geographic Region	 				 			 	 				 				 				 				 				 				 				 				
South Atlantic	 	$	1,619	  	 	 	27	% 	 	$	1,640	  	 	 	28	% 	 	$	1,629	  	 	 	27	% 	 	$	1,631	  	 	 	27	% 	 	$	1,624	  	 	 	27	% 	
Pacific	 	 	1,526	  	 	 	26	  	 	 	1,486	  	 	 	25	  	 	 	1,504	  	 	 	25	  	 	 	1,539	  	 	 	25	  	 	 	1,598	  	 	 	25	  	
Middle Atlantic	 	 	710	  	 	 	12	  	 	 	715	  	 	 	12	  	 	 	750	  	 	 	12	  	 	 	734	  	 	 	12	  	 	 	810	  	 	 	13	  	
East North Central	 	 	513	  	 	 	9	  	 	 	528	  	 	 	9	  	 	 	544	  	 	 	9	  	 	 	557	  	 	 	9	  	 	 	568	  	 	 	9	  	
Mountain	 	 	442	  	 	 	7	  	 	 	461	  	 	 	8	  	 	 	482	  	 	 	8	  	 	 	497	  	 	 	8	  	 	 	500	  	 	 	8	  	
New England	 	 	342	  	 	 	6	  	 	 	344	  	 	 	6	  	 	 	385	  	 	 	6	  	 	 	388	  	 	 	6	  	 	 	390	  	 	 	6	  	
West North Central	 	 	339	  	 	 	6	  	 	 	320	  	 	 	5	  	 	 	332	  	 	 	5	  	 	 	337	  	 	 	5	  	 	 	344	  	 	 	5	  	
West South Central	 	 	260	  	 	 	4	  	 	 	269	  	 	 	4	  	 	 	293	  	 	 	5	  	 	 	298	  	 	 	5	  	 	 	329	  	 	 	5	  	
East South Central	 	 	152	  	 	 	3	  	 	 	155	  	 	 	3	  	 	 	157	  	 	 	3	  	 	 	159	  	 	 	3	  	 	 	158	  	 	 	2	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	 	 	5,903	  	 	 	100	% 	 	 	5,918	  	 	 	100	% 	 	 	6,076	  	 	 	100	% 	 	 	6,140	  	 	 	100	% 	 	 	6,321	  	 	 	100	% 	
	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	
Allowance for losses	 	 	(44	) 	 			 	 	 	(46	) 	 				 	 	(49	) 	 				 	 	(51	) 	 				 	 	(54	) 	 				
Unamortized fees and costs	 	 	2	  	 			 	 	 	3	  	 				 	 	3	  	 				 	 	3	  	 				 	 	4	  	 				
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	 	$	5,861	  	 			 	 	$	5,875	  	 				 	$	6,030	  	 				 	$	6,092	  	 				 	$	6,271	  	 				
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Property Type	 				 			 	 				 				 				 				 				 				 				 				
Retail	 	$	1,882	  	 	 	32	% 	 	$	1,899	  	 	 	32	% 	 	$	1,907	  	 	 	31	% 	 	$	1,898	  	 	 	31	% 	 	$	1,889	  	 	 	30	% 	
Industrial	 	 	1,633	  	 	 	27	  	 	 	1,623	  	 	 	27	  	 	 	1,688	  	 	 	28	  	 	 	1,707	  	 	 	28	  	 	 	1,736	  	 	 	28	  	
Office	 	 	1,533	  	 	 	26	  	 	 	1,520	  	 	 	26	  	 	 	1,553	  	 	 	26	  	 	 	1,590	  	 	 	26	  	 	 	1,647	  	 	 	26	  	
Apartments	 	 	578	  	 	 	10	  	 	 	595	  	 	 	10	  	 	 	626	  	 	 	10	  	 	 	641	  	 	 	10	  	 	 	708	  	 	 	11	  	
Mixed use/other	 	 	277	  	 	 	5	  	 	 	281	  	 	 	5	  	 	 	302	  	 	 	5	  	 	 	304	  	 	 	5	  	 	 	341	  	 	 	5	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	 	 	5,903	  	 	 	100	% 	 	 	5,918	  	 	 	100	% 	 	 	6,076	  	 	 	100	% 	 	 	6,140	  	 	 	100	% 	 	 	6,321	  	 	 	100	% 	
	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	
Allowance for losses	 	 	(44	) 	 			 	 	 	(46	) 	 				 	 	(49	) 	 				 	 	(51	) 	 				 	 	(54	) 	 				
Unamortized fees and costs	 	 	2	  	 			 	 	 	3	  	 				 	 	3	  	 				 	 	3	  	 				 	 	4	  	 				
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	 	$	5,861	  	 			 	 	$	5,875	  	 				 	$	6,030	  	 				 	$	6,092	  	 				 	$	6,271	  	 				
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Allowance for Losses on Commercial Mortgage Loans	 				 			 	 				 				 				 				 				 				 				 				
Beginning balance	 	$	46	  	 			 	 	$	49	  	 				 	$	51	  	 				 	$	54	  	 				 	$	57	  	 				
Provision	 	 	1	  	 			 	 	 	—  	  	 				 	 	—  	  	 				 	 	—  	  	 				 	 	—  	  	 				
Release	 	 	(3	) 	 			 	 	 	(3	) 	 				 	 	(2	) 	 				 	 	(3	) 	 				 	 	(3	) 	 				
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Ending balance	 	$	44	  	 			 	 	$	46	  	 				 	$	49	  	 				 	$	51	  	 				 	$	54	  	 				

 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
Commercial Mortgage Loans Summary
(amounts in millions)

 	  	September 30, 2012	 	 	June 30, 2012	 	 	March 31, 2012	 	 	December 31, 2011	 	 	September 30, 2011	 	
Loan Size	  	Principal
Balance	 	  	% of
Total	 	 	Principal
Balance	 	  	% of
Total	 	 	Principal
Balance	 	  	% of
Total	 	 	Principal
Balance	 	  	% of
Total	 	 	Principal
Balance	 	  	% of
Total	 	
Under $5 million	  	$	2,722	  	  	 	46	% 	 	$	2,583	  	  	 	44	% 	 	$	2,655	  	  	 	44	% 	 	$	2,698	  	  	 	44	% 	 	$	2,810	  	  	 	45	% 	
$5 million but less than $10 million	  	 	1,521	  	  	 	26	  	 	 	1,512	  	  	 	25	  	 	 	1,540	  	  	 	25	  	 	 	1,540	  	  	 	25	  	 	 	1,600	  	  	 	25	  	
$10 million but less than $20 million	  	 	1,058	  	  	 	18	  	 	 	1,063	  	  	 	18	  	 	 	1,117	  	  	 	18	  	 	 	1,161	  	  	 	19	  	 	 	1,199	  	  	 	19	  	
$20 million but less than $30 million	  	 	198	  	  	 	3	  	 	 	247	  	  	 	4	  	 	 	249	  	  	 	4	  	 	 	225	  	  	 	4	  	 	 	305	  	  	 	5	  	
$30 million and over	  	 	404	  	  	 	7	  	 	 	513	  	  	 	9	  	 	 	515	  	  	 	9	  	 	 	516	  	  	 	8	  	 	 	407	  	  	 	6	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	5,903	  	  	 	100	% 	 	 	5,918	  	  	 	100	% 	 	 	6,076	  	  	 	100	% 	 	 	6,140	  	  	 	100	% 	 	 	6,321	  	  	 	100	% 	
	  				  	 	 	 	 				  	 	 	 	 				  	 	 	 	 				  	 	 	 	 				  	 	 	 	
Net premium/discount	  	 	—  	  	  			 	 	 	—  	  	  				 	 	—  	  	  				 	 	—  	  	  				 	 	—  	  	  				
	  	 	 	 	  			 	 	 	 	 	  				 	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	5,903	  	  			 	 	$	5,918	  	  				 	$	6,076	  	  				 	$	6,140	  	  				 	$	6,321	  	  				

Commercial Mortgage Loan Information by Vintage as of September 30, 2012
(loan amounts in millions)

Loan Year	  	Total
Recorded
Investment (1) 	 	  	Number of
Loans	 	  	Average Balance
Per Loan	 	  	Loan-To-Value (2) 	 	 	Delinquent
Principal
Balance	 	  	Number of
Delinquent
Loans	 	  	Average
Balance Per
Delinquent Loan	 	
2004 and prior	  	$	1,493	  	  	 	674	  	  	$	2	  	  	 	47	% 	 	$	4	  	  	 	1	  	  	$	4	  	
2005	  	 	1,241	  	  	 	287	  	  	$	4	  	  	 	60	% 	 	 	20	  	  	 	4	  	  	$	5	  	
2006	  	 	1,169	  	  	 	266	  	  	$	4	  	  	 	68	% 	 	 	16	  	  	 	2	  	  	$	8	  	
2007	  	 	1,013	  	  	 	170	  	  	$	6	  	  	 	72	% 	 	 	2	  	  	 	2	  	  	$	1	  	
2008	  	 	262	  	  	 	56	  	  	$	5	  	  	 	72	% 	 	 	4	  	  	 	1	  	  	$	4	  	
2009	  	 	—  	  	  	 	—  	  	  	$	—  	  	  	 	—	%   	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2010	  	 	99	  	  	 	17	  	  	$	6	  	  	 	58	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2011	  	 	289	  	  	 	55	  	  	$	5	  	  	 	63	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2012	  	 	337	  	  	 	58	  	  	$	6	  	  	 	67	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
	  	 	 	 	  	 	 	 	  				  				 	 	 	 	  	 	 	 	  				
Total	  	$	5,903	  	  	 	1,583	  	  	$	4	  	  	 	61	% 	 	$	46	  	  	 	10	  	  	$	5	  	

(1)  	Total recorded investment reflects the balance sheet carrying value gross of related allowance and the unamortized balance of loan origination fees and costs.	
(2)  	Represents weighted-average loan-to-value as of September 30, 2012.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 General Account GAAP Net Investment Income Yields
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
GAAP Net Investment Income	  			 	 				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	$	659	  	 	$	669	  	 	$	660	  	 	$	1,988	  	 	$	665	  	 	$	669	  	 	$	693	  	 	$	670	  	 	$	2,697	  	
Fixed maturity securities—non-taxable	  	 	2	  	 	 	3	  	 	 	4	  	 	 	9	  	 	 	6	  	 	 	8	  	 	 	10	  	 	 	11	  	 	 	35	  	
Commercial mortgage loans	  	 	87	  	 	 	85	  	 	 	84	  	 	 	256	  	 	 	92	  	 	 	89	  	 	 	92	  	 	 	92	  	 	 	365	  	
Restricted commercial mortgage loans related to securitization entities	  	 	8	  	 	 	7	  	 	 	9	  	 	 	24	  	 	 	10	  	 	 	11	  	 	 	9	  	 	 	10	  	 	 	40	  	
Equity securities	  	 	4	  	 	 	6	  	 	 	4	  	 	 	14	  	 	 	3	  	 	 	3	  	 	 	10	  	 	 	3	  	 	 	19	  	
Other invested assets	  	 	46	  	 	 	36	  	 	 	43	  	 	 	125	  	 	 	36	  	 	 	31	  	 	 	38	  	 	 	30	  	 	 	135	  	
Limited partnerships	  	 	2	  	 	 	20	  	 	 	10	  	 	 	32	  	 	 	(5	) 	 	 	11	  	 	 	17	  	 	 	4	  	 	 	27	  	
Restricted other invested assets related to securitization entities	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Policy loans	  	 	31	  	 	 	31	  	 	 	31	  	 	 	93	  	 	 	31	  	 	 	30	  	 	 	30	  	 	 	29	  	 	 	120	  	
Cash, cash equivalents and short-term investments	  	 	8	  	 	 	10	  	 	 	10	  	 	 	28	  	 	 	13	  	 	 	12	  	 	 	6	  	 	 	6	  	 	 	37	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	847	  	 	 	867	  	 	 	855	  	 	 	2,569	  	 	 	851	  	 	 	864	  	 	 	905	  	 	 	855	  	 	 	3,475	  	
Expenses and fees	  	 	(22	) 	 	 	(21	) 	 	 	(23	) 	 	 	(66	) 	 	 	(24	) 	 	 	(22	) 	 	 	(24	) 	 	 	(25	) 	 	 	(95	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	$	825	  	 	$	846	  	 	$	832	  	 	$	2,503	  	 	$	827	  	 	$	842	  	 	$	881	  	 	$	830	  	 	$	3,380	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Annualized Yields	  			 	 				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	 	4.8	% 	 	 	4.9	% 	 	 	4.9	% 	 	 	4.8	% 	 	 	4.9	% 	 	 	5.0	% 	 	 	5.2	% 	 	 	5.0	% 	 	 	5.0	% 	
Fixed maturity securities—non-taxable	  	 	2.4	% 	 	 	3.3	% 	 	 	3.4	% 	 	 	3.0	% 	 	 	3.6	% 	 	 	3.8	% 	 	 	4.1	% 	 	 	4.2	% 	 	 	4.0	% 	
Commercial mortgage loans	  	 	5.9	% 	 	 	5.7	% 	 	 	5.5	% 	 	 	5.7	% 	 	 	6.0	% 	 	 	5.6	% 	 	 	5.6	% 	 	 	5.5	% 	 	 	5.7	% 	
Restricted commercial mortgage loans related to securitization entities	  	 	8.6	% 	 	 	7.6	% 	 	 	9.0	% 	 	 	8.3	% 	 	 	9.5	% 	 	 	10.1	% 	 	 	7.8	% 	 	 	7.6	% 	 	 	8.8	% 	
Equity securities	  	 	3.5	% 	 	 	5.7	% 	 	 	4.1	% 	 	 	4.4	% 	 	 	3.4	% 	 	 	3.4	% 	 	 	11.7	% 	 	 	3.2	% 	 	 	5.4	% 	
Other invested assets	  	 	19.8	% 	 	 	13.9	% 	 	 	15.8	% 	 	 	16.5	% 	 	 	14.3	% 	 	 	13.4	% 	 	 	15.8	% 	 	 	11.7	% 	 	 	13.6	% 	
Limited partnerships (1)	  	 	2.3	% 	 	 	22.6	% 	 	 	11.5	% 	 	 	12.2	% 	 	 	-5.7	% 	 	 	12.6	% 	 	 	19.9	% 	 	 	5.1	% 	 	 	7.8	% 	
Restricted other invested assets related to securitization entities	  	 	0.2	% 	 	 	0.1	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	0.2	% 	 	 	0.2	% 	 	 	0.3	% 	 	 	—  	% 	
Policy loans	  	 	7.6	% 	 	 	7.8	% 	 	 	8.0	% 	 	 	7.8	% 	 	 	8.0	% 	 	 	7.7	% 	 	 	7.9	% 	 	 	8.0	% 	 	 	7.9	% 	
Cash, cash equivalents and short-term investments	  	 	0.8	% 	 	 	0.9	% 	 	 	0.8	% 	 	 	0.8	% 	 	 	1.2	% 	 	 	1.4	% 	 	 	0.7	% 	 	 	0.7	% 	 	 	1.0	% 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	4.9	% 	 	 	5.0	% 	 	 	4.9	% 	 	 	4.9	% 	 	 	4.9	% 	 	 	5.0	% 	 	 	5.3	% 	 	 	5.0	% 	 	 	5.0	% 	
Expenses and fees	  	 	-0.2	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.2	% 	 	 	-0.2	% 	 	 	-0.1	% 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	 	4.7	% 	 	 	4.9	% 	 	 	4.8	% 	 	 	4.8	% 	 	 	4.8	% 	 	 	4.9	% 	 	 	5.1	% 	 	 	4.8	% 	 	 	4.9	% 	

Yields for fixed maturity securities and equity securities are based on amortized cost and cost, respectively. Yields for securities lending activity, which is included in other invested assets, are calculated net of the corresponding securities lending liability.

(1)  	Limited partnership investments are equity-based and do not have fixed returns by period.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail
(amounts in millions)

 	 	2012	 	 	2011	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net realized gains (losses) on available-for-sale securities:	 			 	 				 				 				 				 				 				 				 				
Fixed maturity securities:	 			 	 				 				 				 				 				 				 				 				
U.S. corporate	 	$	5	  	 	$	(1	) 	 	$	8	  	 	$	12	  	 	$	15	  	 	$	4	  	 	$	1	  	 	$	(3	) 	 	$	17	  	
U.S. government, agencies and government-sponsored enterprises	 	 	2	  	 	 	2	  	 	 	2	  	 	 	6	  	 	 	5	  	 	 	1	  	 	 	—  	  	 	 	3	  	 	 	9	  	
Foreign corporate	 	 	1	  	 	 	1	  	 	 	1	  	 	 	3	  	 	 	(3	) 	 	 	17	  	 	 	(8	) 	 	 	(1	) 	 	 	5	  	
Foreign government	 	 	2	  	 	 	2	  	 	 	1	  	 	 	5	  	 	 	1	  	 	 	3	  	 	 	2	  	 	 	—  	  	 	 	6	  	
Tax-exempt	 	 	(1	) 	 	 	1	  	 	 	(1	) 	 	 	(1	) 	 	 	7	  	 	 	1	  	 	 	(1	) 	 	 	—  	  	 	 	7	  	
Mortgage-backed securities	 	 	(1	) 	 	 	(2	) 	 	 	(2	) 	 	 	(5	) 	 	 	(8	) 	 	 	(2	) 	 	 	(1	) 	 	 	(2	) 	 	 	(13	) 	
Asset-backed securities	 	 	(1	) 	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(2	) 	
Equity securities	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	3	  	 	 	2	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	5	  	
Foreign exchange	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	1	  	 	 	—  	  	 	 	(1	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total net realized gains (losses) on available-for-sale securities	 	 	10	  	 	 	3	  	 	 	10	  	 	 	23	  	 	 	17	  	 	 	23	  	 	 	(6	) 	 	 	(1	) 	 	 	33	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Impairments:	 			 	 				 				 				 				 				 				 				 				
Sub-prime residential mortgage-backed securities	 	 	(8	) 	 	 	(2	) 	 	 	(2	) 	 	 	(12	) 	 	 	(2	) 	 	 	(1	) 	 	 	(3	) 	 	 	(6	) 	 	 	(12	) 	
Alt-A residential mortgage-backed securities	 	 	(4	) 	 	 	(7	) 	 	 	(3	) 	 	 	(14	) 	 	 	(3	) 	 	 	(2	) 	 	 	(2	) 	 	 	(4	) 	 	 	(11	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total sub-prime and Alt-A residential mortgage-backed securities	 	 	(12	) 	 	 	(9	) 	 	 	(5	) 	 	 	(26	) 	 	 	(5	) 	 	 	(3	) 	 	 	(5	) 	 	 	(10	) 	 	 	(23	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Prime residential mortgage-backed securities	 	 	(1	) 	 	 	(3	) 	 	 	—  	  	 	 	(4	) 	 	 	(1	) 	 	 	(3	) 	 	 	(2	) 	 	 	(3	) 	 	 	(9	) 	
Other mortgage-backed securities	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	 	 	(3	) 	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	
Commercial mortgage-backed securities	 	 	(3	) 	 	 	(3	) 	 	 	(3	) 	 	 	(9	) 	 	 	(3	) 	 	 	(1	) 	 	 	(4	) 	 	 	—  	  	 	 	(8	) 	
Corporate fixed maturity securities	 	 	—  	  	 	 	(10	) 	 	 	—  	  	 	 	(10	) 	 	 	—  	  	 	 	(27	) 	 	 	—  	  	 	 	(9	) 	 	 	(36	) 	
Limited partnerships	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	
Commercial mortgage loans	 	 	(2	) 	 	 	—  	  	 	 	(1	) 	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	(4	) 	 	 	(1	) 	 	 	(5	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total impairments	 	 	(19	) 	 	 	(27	) 	 	 	(10	) 	 	 	(56	) 	 	 	(12	) 	 	 	(34	) 	 	 	(16	) 	 	 	(23	) 	 	 	(85	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized gains (losses) on trading securities	 	 	9	  	 	 	22	  	 	 	(17	) 	 	 	14	  	 	 	(6	) 	 	 	7	  	 	 	9	  	 	 	7	  	 	 	17	  	
Derivative instruments	 	 	(2	) 	 	 	(18	) 	 	 	17	  	 	 	(3	) 	 	 	2	  	 	 	(50	) 	 	 	(10	) 	 	 	(6	) 	 	 	(64	) 	
Commercial mortgage loans held-for-sale market valuation allowance	 	 	1	  	 	 	1	  	 	 	2	  	 	 	4	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	(1	) 	 	 	4	  	
Contingent purchase price valuation change	 	 	(5	) 	 	 	—  	  	 	 	(1	) 	 	 	(6	) 	 	 	(1	) 	 	 	(15	) 	 	 	(1	) 	 	 	—  	  	 	 	(17	) 	
Net gains (losses) related to securitization entities	 	 	12	  	 	 	(3	) 	 	 	22	  	 	 	31	  	 	 	3	  	 	 	(37	) 	 	 	(3	) 	 	 	6	  	 	 	(31	) 	
Other	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes	 	 	6	  	 	 	(22	) 	 	 	23	  	 	 	7	  	 	 	4	  	 	 	(103	) 	 	 	(26	) 	 	 	(18	) 	 	 	(143	) 	
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes	 	 	(6	) 	 	 	3	  	 	 	(5	) 	 	 	(8	) 	 	 	(3	) 	 	 	26	  	 	 	3	  	 	 	3	  	 	 	29	  	
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes	 	 	(1	) 	 	 	—  	  	 	 	(2	) 	 	 	(3	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	(2	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes and other adjustments	 	$	(1	) 	 	$	(19	) 	 	$	16	  	 	$	(4	) 	 	$	1	  	 	$	(78	) 	 	$	(23	) 	 	$	(16	) 	 	$	(116	) 	

 
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 Reconciliations of Non-GAAP Measures
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Reconciliation of Operating ROE
(amounts in millions)

Twelve Month Rolling Average ROE	  	Twelve months ended	 	
 	  	September 30,
2012	 	 	June 30,
2012	 	 	March 31,
2012	 	 	December 31,
2011	 	 	September 30,
2011	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended (1)	  	$	299	  	 	$	249	  	 	$	37	  	 	$	49	  	 	$	(302	) 	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	11,069	  	 	$	11,004	  	 	$	10,973	  	 	$	10,945	  	 	$	10,969	  	
GAAP Basis ROE  (1) divided by  (2)	  	 	2.7	% 	 	 	2.3	% 	 	 	0.3	% 	 	 	0.4	% 	 	 	-2.8	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the twelve months ended (1)	  	$	356	  	 	$	297	  	 	$	104	  	 	$	148	  	 	$	(159	) 	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	11,069	  	 	$	11,004	  	 	$	10,973	  	 	$	10,945	  	 	$	10,969	  	
Operating ROE  (1) divided by  (2)	  	 	3.2	% 	 	 	2.7	% 	 	 	0.9	% 	 	 	1.4	% 	 	 	-1.4	% 	
		
Quarterly Average ROE	  	Three months ended	 	
 	  	September 30,
2012	 	 	June 30,
2012	 	 	March 31,
2012	 	 	December 31,
2011	 	 	September 30,
2011	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended (3)	  	$	34	  	 	$	76	  	 	$	47	  	 	$	142	  	 	$	(16	) 	
Average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	11,184	  	 	$	11,123	  	 	$	11,052	  	 	$	10,947	  	 	$	10,877	  	
Annualized GAAP Quarterly Basis ROE  (3) divided by  (4)	  	 	1.2	% 	 	 	2.7	% 	 	 	1.7	% 	 	 	5.2	% 	 	 	-0.6	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the period ended (3)	  	$	121	  	 	$	80	  	 	$	31	  	 	$	124	  	 	$	62	  	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	11,184	  	 	$	11,123	  	 	$	11,052	  	 	$	10,947	  	 	$	10,877	  	
Annualized Operating Quarterly Basis ROE  (3) divided by  (4)	  	 	4.3	% 	 	 	2.9	% 	 	 	1.1	% 	 	 	4.5	% 	 	 	2.3	% 	
Non-GAAP Definition for Operating ROE
The company references the non-GAAP financial measure entitled “operating return on equity” or “operating ROE.” The company defines operating ROE as net operating income (loss) divided by average ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) in average ending Genworth Financial, Inc.’s stockholders equity. Management believes that analysis of operating ROE enhances understanding of the efficiency with which the company deploys its capital. However, operating ROE as defined by the company should not be viewed as a substitute for GAAP net income (loss) available to Genworth Financial, Inc.’s common stockholders divided by average ending Genworth Financial, Inc.’s stockholders’ equity.

(1)  	The twelve months ended information is derived by adding the four quarters of net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 10 herein.	
(2)  	Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss), is derived by averaging ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) for the most recent five quarters.	
(3)  	Net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 10 herein.	
(4)  	Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss), is derived by averaging ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss).	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Reconciliation of Expense Ratio
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
GAAP Basis Expense Ratio	  			 	 				 				 				 				 				 				 				 				
Acquisition and operating expenses, net of deferrals (1)	  	$	504	  	 	$	502	  	 	$	530	  	 	$	1,536	  	 	$	569	  	 	$	581	  	 	$	581	  	 	$	563	  	 	$	2,294	  	
Total revenues (2)	  	$	2,536	  	 	$	2,523	  	 	$	2,426	  	 	$	7,485	  	 	$	2,624	  	 	$	2,521	  	 	$	2,655	  	 	$	2,568	  	 	$	10,368	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Expense ratio  (1) divided by  (2)	  	 	19.9	% 	 	 	19.9	% 	 	 	21.8	% 	 	 	20.5	% 	 	 	21.7	% 	 	 	23.0	% 	 	 	21.9	% 	 	 	21.9	% 	 	 	22.1	% 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
GAAP Basis, As Adjusted—Expense Ratio	  			 	 				 				 				 				 				 				 				 				
Acquisition and operating expenses, net of deferrals	  	$	504	  	 	$	502	  	 	$	530	  	 	$	1,536	  	 	$	569	  	 	$	581	  	 	$	581	  	 	$	563	  	 	$	2,294	  	
Less lifestyle protection insurance business	  	 	117	  	 	 	126	  	 	 	127	  	 	 	370	  	 	 	139	  	 	 	143	  	 	 	156	  	 	 	152	  	 	 	590	  	
Less wealth management business	  	 	63	  	 	 	64	  	 	 	92	  	 	 	219	  	 	 	93	  	 	 	95	  	 	 	92	  	 	 	92	  	 	 	372	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted acquisition and operating expenses, net of deferrals (3)	  	$	324	  	 	$	312	  	 	$	311	  	 	$	947	  	 	$	337	  	 	$	343	  	 	$	333	  	 	$	319	  	 	$	1,332	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	$	2,536	  	 	$	2,523	  	 	$	2,426	  	 	$	7,485	  	 	$	2,624	  	 	$	2,521	  	 	$	2,655	  	 	$	2,568	  	 	$	10,368	  	
Less lifestyle protection insurance business	  	 	198	  	 	 	211	  	 	 	218	  	 	 	627	  	 	 	226	  	 	 	245	  	 	 	281	  	 	 	270	  	 	 	1,022	  	
Less wealth management business	  	 	82	  	 	 	122	  	 	 	112	  	 	 	316	  	 	 	114	  	 	 	115	  	 	 	114	  	 	 	110	  	 	 	453	  	
Less net investment gains (losses)	  	 	8	  	 	 	(35	) 	 	 	34	  	 	 	7	  	 	 	7	  	 	 	(155	) 	 	 	(41	) 	 	 	(30	) 	 	 	(219	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted total revenues (4)	  	$	2,248	  	 	$	2,225	  	 	$	2,062	  	 	$	6,535	  	 	$	2,277	  	 	$	2,316	  	 	$	2,301	  	 	$	2,218	  	 	$	9,112	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted expense ratio  (3) divided by  (4)	  	 	14.4	% 	 	 	14.0	% 	 	 	15.1	% 	 	 	14.5	% 	 	 	14.8	% 	 	 	14.8	% 	 	 	14.5	% 	 	 	14.4	% 	 	 	14.6	% 	

Non-GAAP Definition for Expense Ratio
The company references the non-GAAP financial measure entitled “expense ratio” as a measure of productivity. The company defines expense ratio as acquisition and operating expenses, net of deferrals, divided by total revenues, excluding the effects of the company’s lifestyle protection insurance and wealth management businesses. The lifestyle protection insurance and wealth management businesses are excluded from this ratio as their expense bases are comprised of varying levels of non-deferrable acquisition costs. Management believes that the expense ratio analysis enhances understanding of the productivity of the company. However, the expense ratio as defined by the company should not be viewed as a substitute for GAAP acquisition and operating expenses, net of deferrals, divided by total revenues.
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Reconciliation of Core Premiums
(amounts in millions)

 	  	2012	 	 	2011	 	
 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Reported premiums	  	$	1,311	  	 	$	1,302	  	 	$	1,107	  	 	$	3,720	  	 	$	1,352	  	 	$	1,461	  	 	$	1,455	  	 	$	1,437	  	 	$	5,705	  	
Less U.S. Life Insurance—fixed annuities premiums	  	 	26	  	 	 	15	  	 	 	33	  	 	 	74	  	 	 	33	  	 	 	22	  	 	 	20	  	 	 	20	  	 	 	95	  	
Less impact of changes in foreign exchange rates	  	 	(34	) 	 	 	(23	) 	 	 	(3	) 	 	 	(60	) 	 	 	7	  	 	 	54	  	 	 	44	  	 	 	10	  	 	 	115	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Core premiums	  	$	1,319	  	 	$	1,310	  	 	$	1,077	  	 	$	3,706	  	 	$	1,312	  	 	$	1,385	  	 	$	1,391	  	 	$	1,407	  	 	$	5,495	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Reported premium percentage change from prior year	  	 	-10.3	% 	 	 	-10.5	% 	 	 	-23.0	% 	 	 	-14.5	% 	 	 	-7.8	% 	 	 	1.0	% 	 	 	-1.0	% 	 	 	-2.2	% 	 	 	-2.5	% 	
Core premium percentage change from prior year	  	 	-4.8	% 	 	 	-5.8	% 	 	 	-23.5	% 	 	 	-11.4	% 	 	 	-8.2	% 	 	 	-2.2	% 	 	 	-1.6	% 	 	 	3.0	% 	 	 	-2.3	% 	
Non-GAAP Definition for Core Premiums
The company references the non-GAAP financial measure entitled “core premiums” as a measure of premium growth. The company defines core premiums as earned premiums less premiums from the U.S. Life Insurance—fixed annuities business and the impact of changes in foreign exchange rates. The fixed annuities premiums are excluded in this measure primarily because these are single premiums and are not an indication of future premiums. The impact of changes in foreign exchange rates are excluded in this measure to present periods on a comparable exchange rate. Management believes that analysis of core premiums enhances understanding of premium growth of the company. However, core premiums as defined by the company should not be viewed as a substitute for GAAP earned premiums.
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Reconciliation of Core Yield

 	  	 	  	2012	 	 	2011	 	
   	  	(Assets—amounts in billions)	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
	  	Reported—Total Invested Assets and Cash	  	$	78.6	  	  	$	76.9	  	 	$	74.5	  	 	$	78.6	  	 	$	76.4	  	 	$	76.1	  	 	$	71.5	  	 	$	71.8	  	 	$	76.4	  	
	  	Subtract:	  			 	  				 				 				 				 				 				 				 				
	  	Securities lending	  	 	0.2	  	  	 	0.2	  	 	 	0.1	  	 	 	0.2	  	 	 	0.4	  	 	 	0.2	  	 	 	0.6	  	 	 	0.8	  	 	 	0.4	  	
	  	Unrealized gains (losses)	  	 	7.3	  	  	 	6.4	  	 	 	4.1	  	 	 	7.3	  	 	 	5.0	  	 	 	5.7	  	 	 	1.7	  	 	 	1.2	  	 	 	5.0	  	
	  	Derivative counterparty collateral	  	 	1.0	  	  	 	1.2	  	 	 	0.6	  	 	 	1.0	  	 	 	1.0	  	 	 	1.7	  	 	 	0.7	  	 	 	0.7	  	 	 	1.0	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	  	Adjusted end of period invested assets	  	$	70.1	  	  	$	69.1	  	 	$	69.7	  	 	$	70.1	  	 	$	70.0	  	 	$	68.5	  	 	$	68.5	  	 	$	69.1	  	 	$	70.0	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(A)	  	Average Invested Assets Used in Reported Yield Calculation	  	$	69.6	  	  	$	69.4	  	 	$	69.9	  	 	$	69.6	  	 	$	69.2	  	 	$	68.5	  	 	$	68.8	  	 	$	68.9	  	 	$	68.9	  	
	  	Subtract:	  			 	  				 				 				 				 				 				 				 				
	  	Restricted commercial mortgage loans and other invested assets related to securitization entities	  	 	0.4	  	  	 	0.3	  	 	 	0.4	  	 	 	0.4	  	 	 	0.4	  	 	 	0.4	  	 	 	0.5	  	 	 	0.5	  	 	 	0.5	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(B)	  	Average Invested Assets Used in Core Yield Calculation	  	 	69.2	  	  	 	69.1	  	 	 	69.5	  	 	 	69.2	  	 	 	68.8	  	 	 	68.1	  	 	 	68.3	  	 	 	68.4	  	 	 	68.4	  	
	  	Subtract:	  			 	  				 				 				 				 				 				 				 				
	  	Portfolios supporting floating products and non-recourse funding obligations (1)	  	 	6.6	  	  	 	6.8	  	 	 	7.5	  	 	 	7.0	  	 	 	7.9	  	 	 	8.1	  	 	 	8.3	  	 	 	8.6	  	 	 	8.2	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(C)	  	Average Invested Assets Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	  	$	62.6	  	  	$	62.3	  	 	$	62.0	  	 	$	62.2	  	 	$	60.9	  	 	$	60.0	  	 	$	60.0	  	 	$	59.8	  	 	$	60.2	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	  	(Income—amounts in millions)	  			 	  				 				 				 				 				 				 				 				
(D)	  	Reported—Net Investment Income	  	$	825	  	  	$	846	  	 	$	832	  	 	$	2,503	  	 	$	827	  	 	$	842	  	 	$	881	  	 	$	830	  	 	$	3,380	  	
	  	Subtract:	  			 	  				 				 				 				 				 				 				 				
	  	Bond calls and commercial mortgage loan prepayments	  	 	14	  	  	 	4	  	 	 	5	  	 	 	23	  	 	 	10	  	 	 	8	  	 	 	16	  	 	 	8	  	 	 	42	  	
	  	Reinsurance (2)	  	 	19	  	  	 	24	  	 	 	22	  	 	 	65	  	 	 	19	  	 	 	21	  	 	 	36	  	 	 	32	  	 	 	108	  	
	  	Other non-core items (3)	  	 	3	  	  	 	8	  	 	 	4	  	 	 	15	  	 	 	7	  	 	 	3	  	 	 	15	  	 	 	2	  	 	 	27	  	
	  	Restricted commercial mortgage loans and other invested assets related to securitization entities	  	 	6	  	  	 	5	  	 	 	5	  	 	 	16	  	 	 	6	  	 	 	8	  	 	 	5	  	 	 	7	  	 	 	26	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(E)	  	Core Net Investment Income	  	 	783	  	  	 	805	  	 	 	796	  	 	 	2,384	  	 	 	785	  	 	 	802	  	 	 	809	  	 	 	781	  	 	 	3,177	  	
	  	Subtract:	  			 	  				 				 				 				 				 				 				 				
	  	Investment income from portfolios supporting floating products and non-recourse funding obligations (1)	  	 	29	  	  	 	30	  	 	 	33	  	 	 	92	  	 	 	35	  	 	 	33	  	 	 	37	  	 	 	34	  	 	 	139	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(F)	  	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	  	$	754	  	  	$	775	  	 	$	763	  	 	$	2,292	  	 	$	750	  	 	$	769	  	 	$	772	  	 	$	747	  	 	$	3,038	  	
	  		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(D) / (A)	  	Reported Yield	  	 	4.74	% 	  	 	4.88	% 	 	 	4.76	% 	 	 	4.79	% 	 	 	4.78	% 	 	 	4.92	% 	 	 	5.12	% 	 	 	4.82	% 	 	 	4.91	% 	
(E) / (B)	  	Core Yield	  	 	4.53	% 	  	 	4.66	% 	 	 	4.58	% 	 	 	4.59	% 	 	 	4.56	% 	 	 	4.71	% 	 	 	4.74	% 	 	 	4.57	% 	 	 	4.65	% 	
(F) / (C)	  	Core Yield (excl. Floating and Non-Recourse Funding)	  	 	4.82	% 	  	 	4.98	% 	 	 	4.92	% 	 	 	4.91	% 	 	 	4.93	% 	 	 	5.13	% 	 	 	5.15	% 	 	 	5.00	% 	 	 	5.05	% 	
 
Notes:	Columns may not add due to rounding.	
    	Yields have been annualized.	
Non-GAAP Definition for Core Yield
The company references the non-GAAP financial measure entitled “core yield” as a measure of investment yield. The company defines core yield as the investment yield adjusted for those items that are not recurring in nature. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield as defined by the company should not be viewed as a substitute for GAAP investment yield.

(1)  	Floating products refer to institutional products and the non-recourse funding obligations that support certain term and universal life insurance reserves in the company’s life insurance business.	
(2)  	Represents imputed investment income related to reinsurance agreements in the lifestyle protection insurance business.	
(3)  	Includes mark-to-market adjustment on assets supporting executive deferred compensation and various other immaterial items.	
 
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 Corporate Information
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
 
 Financial Strength Ratings
The company’s principal life insurance subsidiaries are rated in terms of financial strength by Standard & Poor’s Financial Services LLC (S&P), Moody’s Investors Service, Inc. (Moody’s) and A.M. Best Company, Inc. (A.M. Best) as follows:

Company	  	S&P	  	Moody’s	  	A.M. Best	
Genworth Life Insurance Company	  	A-	  	A3	  	A	
Genworth Life Insurance Company (short-term rating)	  	A2	  	P-1	  	Not rated	
Genworth Life and Annuity Insurance Company	  	A-	  	A3	  	A	
Genworth Life and Annuity Insurance Company (short-term rating)	  	A2	  	P-1	  	Not rated	
Genworth Life Insurance Company of New York	  	A-	  	A3	  	A	
The company’s principal lifestyle protection insurance subsidiaries are rated in terms of financial strength by S&P as follows:

Company	  	S&P	  	 	  	 	
Financial Assurance Company Limited	  	A-	  		  		
Financial Insurance Company Limited	  	A-	  		  		
The company’s principal mortgage insurance subsidiaries are rated in terms of financial strength by S&P and Moody’s as follows:

Company	  	S&P	  	Moody’s	  	 	
Genworth Mortgage Insurance Corporation	  	B	  	Ba1	  		
Genworth Residential Mortgage Insurance Corporation of NC	  	B	  	Ba1	  		
Genworth Financial Mortgage Insurance Pty. Limited (Australia)	  	AA-	  	A1	  		
Genworth Financial Mortgage Insurance Limited (Europe)	  	BBB-	  	Not rated	  		
Genworth Financial Mortgage Insurance Company Canada (1)	  	AA-	  	Not rated	  		
Genworth Seguros de Credito a la Vivienda S.A. de C.V.	  	mxAA-	  	Aa3.mx	  		

(1)  	Genworth Financial Mortgage Insurance Company Canada is also rated “AA” by Dominion Bond Rating Service (DBRS).	
The S&P, Moody’s, A.M. Best and DBRS ratings included are not designed to be, and do not serve as, measures of protection or valuation offered to investors. These financial strength ratings should not be relied on with respect to making an investment in the company’s securities.
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2012
Financial Strength Ratings (continued)
 
S&P states that an insurer rated “AA” (Very Strong) has very strong financial security characteristics that outweigh any vulnerabilities, and is highly likely to have the ability to meet financial commitments. Insurers rated “AA” (Very Strong), “A” (Strong), “BBB” (Good) or “B” (Weak) have very strong, strong, good, or weak financial security characteristics, respectively. The “AA,” “A,” “BBB” and “B” ranges are the second-, third-, fourth- and sixth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing in a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “AA-,” “A-,” “BBB-” and “B” ratings are the fourth-, seventh-, tenth- and fifteenth-highest of S&P’s 21 ratings categories. The short-term “A-2” rating is the second highest rating and shows the capacity to meet financial commitments is satisfactory. An obligor rated “mxAA” has a very strong capacity to meet its financial commitments relative to that of other Mexican obligors. The “mxAA” rating is the second-highest enterprise credit rating assigned on S&P’s CaVal national scale.
Moody’s states that insurance companies rated “A” (Good) offer good financial security and those rated “Ba” (Questionable) offer questionable financial security. The “A” (Good) and “Ba” (Questionable) ranges are the third- and fifth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the group, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A1,” “A3,” “Ba1”, ratings are the fifth-, seventh-, and eleventh-highest, respectively, of Moody’s 21 ratings categories. The short-term rating “P-1” is the highest rating and shows superior ability for repayment of short-term debt obligations. Issuers or issues rated “Aa.mx” demonstrate very strong creditworthiness relative to other issuers in Mexico.
A.M. Best states that the “A” (Excellent) rating is assigned to those companies that have, in its opinion, an excellent ability to meet their ongoing insurance obligations. The “A” (Excellent) rating is the third-highest, of 15 ratings assigned by A.M. Best, which range from “A++” to “F.”
DBRS states that long-term obligations rated “AA” are of superior credit quality. The capacity for the payment of financial obligations is considered high and unlikely to be significantly variable to future events. Credit quality differs from “AAA” only to a small degree.
S&P, Moody’s, A.M. Best, Fitch and DBRS review their ratings periodically and the company cannot assure you that it will maintain the current ratings in the future. Other agencies may also rate the company or its insurance subsidiaries on a solicited or an unsolicited basis.
About Genworth Financial
Genworth is a leading financial security company meeting the retirement, longevity and lifestyle protection, investment and mortgage insurance needs of more than 15 million customers, with a presence in more than 25 countries. For more information, visit www.genworth.com.
Inquiries:
Georgette Nicholas, 804-662-2248
Georgette.Nicholas@genworth.com
 
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