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
February 4, 2014
Date of Report
(Date of earliest event reported)

 

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

 
					
Delaware	 	001-32195	 	80-0873306	
(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 February 4, 2014, Genworth Financial, Inc. issued (1) a press release announcing its financial results for the quarter ended December 31, 2013, 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 December 31, 2013, 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 February 4, 2014.	
		
99.2	  	Financial Supplement for the quarter ended December 31, 2013.	
 
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: February 4, 2014	 		 	By:	 	/s/ Kelly L. Groh	
	 		 		 	Kelly L. Groh	
	 		 		 	Vice President and Controller	
	 		 		 	(Principal Accounting Officer)	
 
3

Exhibit Index

Exhibit
Number	  	Description of Exhibit	
		
99.1	  	Press Release dated February 4, 2014.	
		
99.2	  	Financial Supplement for the quarter ended December 31, 2013.	
 
4

Exhibit 99.1

Genworth Financial Announces Fourth Quarter 2013 Results
Net Income Improves 24 Percent From Prior Year To $208 Million
Continued Progress With Long Term Care Premium Rate Actions
Strong Loss Performance In Global Mortgage Insurance Division
Richmond, VA (February 4, 2014) – Genworth Financial, Inc. (NYSE: GNW) today reported results for the fourth quarter of 2013. The company reported net income 1 of $208 million, or $0.41 per diluted share, compared with net income of $168 million, or $0.34 per diluted share, in the fourth quarter of 2012. Net operating income 2 for the fourth quarter of 2013 was $193 million, or $0.38 per diluted share, compared with net operating income of $161 million, or $0.33 per diluted share, in the fourth quarter of 2012. Prior year net income and net operating income included an after-tax favorable adjustment of $78 million associated with the reversal of the accrued liability for exit fees related to the government guarantee fund in Canada.
The company reported net income of $560 million, or $1.12 per diluted share, in 2013, compared with net income of $325 million, or $0.66 per diluted share, in 2012. The company reported net operating income of $616 million, or $1.24 per diluted share, in 2013, compared with net operating income of $403 million, or $0.82 per diluted share, in 2012.
“We made significant progress in 2013 accelerating the turnaround of Genworth,” said Tom McInerney, President and CEO. “Our fourth quarter of 2013 results were strong and we are particularly pleased with the progress in improving our long term care insurance business and with the good operational performance in the Global Mortgage Insurance Division.”

1  	Unless otherwise stated, all references in this press release to net income, net income per share, book value, book value per share and stockholders’ equity should be read as net income available to Genworth’s common stockholders, net income 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 & Net Operating Income

																					
 	  	Three months ended December 31
(Unaudited)	 	  	 	 	
 	  	2013	 	  	2012	 	  	 	 	
(Amounts in millions, except per share)	  	Total	 	  	Per
diluted
share	 	  	Total	 	  	Per
diluted
share	 	  	Total
% change	 	
Net income	  	$	208	  	  	$	0.41	  	  	$	168	  	  	$	0.34	  	  	 	24	% 	
Net operating income	  	$	193	  	  	$	0.38	  	  	$	161	  	  	$	0.33	  	  	 	20	% 	
Weighted average diluted shares	  	 	501.2	  	  				  	 	493.9	  	  				  				
Book value per share	  	$	29.17	  	  				  	$	33.53	  	  				  				
Book value per share, excluding accumulated other comprehensive income (loss)	  	$	24.03	  	  				  	$	22.95	  	  				  				
Consolidated Net Income & Net Operating Income

																					
 	  	Twelve months ended December 31
(Unaudited)	 	  	 	 	
 	  	2013	 	  	2012	 	  	 	 	
(Amounts in millions, except per share)	  	Total	 	  	Per
diluted
share	 	  	Total	 	  	Per
diluted
share	 	  	Total
% change	 	
Net income	  	$	560	  	  	$	1.12	  	  	$	325	  	  	$	0.66	  	  	 	72	% 	
Net operating income	  	$	616	  	  	$	1.24	  	  	$	403	  	  	$	0.82	  	  	 	53	% 	
Weighted average diluted shares	  	 	498.7	  	  				  	 	494.4	  	  				  				
Book value per share	  	$	29.17	  	  				  	$	33.53	  	  				  				
Book value per share, excluding accumulated other comprehensive income (loss)	  	$	24.03	  	  				  	$	22.95	  	  				  				
Net investment gains, net of tax and other adjustments, were $15 million in the quarter, compared to $2 million in the prior year. Total investment impairments, net of tax, were $3 million in the current quarter and $14 million in the prior year.
The company recorded $29 million of incremental tax benefits during the fourth quarter of 2013 primarily related to tax liability corrections, tax benefits on foreign subsidiaries, and state tax adjustments.
In December 2013, Genworth Holdings, Inc. completed a $400 million senior notes offering and the company subsequently made capital contributions of $300 million to Genworth Mortgage Holdings, LLC and $100 million to Genworth Mortgage Insurance Corporation (GMICO) in anticipation of higher capital requirements expected to be imposed by government-owned and government-sponsored enterprises (GSEs) as a part of the anticipated revisions to their eligibility standards for qualifying mortgage insurers. The company anticipates some or all of the $300 million at Genworth Mortgage Holdings, LLC will be deployed for the benefit of GMICO, subject to the release of the final revisions to eligibility standards for qualifying mortgage insurers and other relevant economic or business-related conditions existing at that time.
 
2

Net operating income results are summarized in the table below:
Net Operating Income (Loss) 
													
(Amounts in millions) 	  	Q4 13	 	 	Q3 13	 	 	Q4 12	 	
U.S. Life Insurance Division:	  				 				 				
U.S. Life Insurance	  	$	119	  	 	$	111	  	 	$	73	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance Division	  	 	119	  	 	 	111	  	 	 	73	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division:	  				 				 				
International Mortgage Insurance 3	  	 	101	  	 	 	90	  	 	 	165	  	
U.S. Mortgage Insurance (U.S. MI)	  	 	6	  	 	 	(3	) 	 	 	(32	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	107	  	 	 	87	  	 	 	133	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Other Division:	  				 				 				
International Protection	  	 	13	  	 	 	4	  	 	 	8	  	
Runoff	  	 	19	  	 	 	25	  	 	 	8	  	
Corporate and Other	  	 	(65	) 	 	 	(88	) 	 	 	(61	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other Division	  	 	(33	) 	 	 	(59	) 	 	 	(45	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Net Operating Income	  	$	193	  	 	$	139	  	 	$	161	  	

In the fourth quarter of 2013, the company revised its definition of net operating income (loss) to exclude gains (losses) on the early extinguishment of debt and on insurance block transactions to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that these measures are not indicative of overall operating trends. All prior periods presented have been re-presented to reflect this new definition.
Net operating income excludes net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses, restructuring charges, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and other adjustments, net of taxes. A reconciliation of net operating income 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 Mortgage Insurance and International Protection 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 fourth quarter of 2013 was a favorable impact of $1 million versus the prior quarter and an unfavorable impact of $8 million versus the prior year.

3  	Fourth quarter of 2012 included an after-tax favorable adjustment of $78 million associated with the reversal of the accrued liability for exit fees related to the government guarantee fund in Canada.	
 
3

U.S. Life Insurance Division
U.S. Life Insurance Division net operating income was $119 million, compared with $111 million in the prior quarter and $73 million a year ago.
U.S. Life Insurance Division
Net Operating Income
													
(Amounts in millions)	  	Q4 13	 	  	Q3 13	 	  	Q4 12	 	
U.S. Life Insurance	  				  				  				
Life Insurance	  	$	56	  	  	$	54	  	  	$	46	  	
Long Term Care Insurance	  	 	42	  	  	 	41	  	  	 	7	  	
Fixed Annuities	  	 	21	  	  	 	16	  	  	 	20	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Total U.S. Life Insurance	  	 	119	  	  	 	111	  	  	 	73	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Total U.S. Life Insurance 	  	$	119	  	  	$	111	  	  	$	73	  	
	  	 	 	 	  	 	 	 	  	 	 	 	
Sales
													
(Amounts in millions)	  	Q4 13	 	  	Q3 13	 	  	Q4 12	 	
U.S. Life Insurance	  				  				  				
Life Insurance	  				  				  				
Term Life	  	$	9	  	  	$	5	  	  	$	—  	 	
Term Universal Life	  	 	—  	 	  	 	—  	 	  	 	11	  	
Universal Life	  	 	5	  	  	 	5	  	  	 	17	  	
Linked Benefits	  	 	3	  	  	 	2	  	  	 	3	  	
Long Term Care Insurance	  				  				  				
Individual	  	 	24	  	  	 	37	  	  	 	60	  	
Group	  	 	2	  	  	 	3	  	  	 	4	  	
Fixed Annuities	  	 	730	  	  	 	760	  	  	 	248	  	
Account Value
													
(Amounts in millions)	  	Q4 13	 	  	Q3 13	 	  	Q4 12	 	
Fixed Annuities	  	$	18,737	  	  	$	18,367	  	  	$	18,581	  	
U.S. Life Insurance Division
Key Points
 
•	 	U.S. Life Insurance Division net operating income was $119 million, compared with $111 million in the prior quarter and $73 million a year ago. Net operating income was $394 million in 2013, compared with $334 million in 2012.	
 
•	 	Compared to the prior quarter, sales of life insurance products were higher, lower in individual long term care insurance (LTC) and modestly lower in fixed annuities.	
 
4

•	 	The consolidated risk-based capital (RBC) ratio is estimated to be approximately 470 percent 4 , up from approximately 450 percent at the end of the third quarter of 2013.	
 
•	 	Ordinary dividends of $100 million were paid to the holding company from the U.S. Life Insurance Division in the fourth quarter of 2013, including $25 million from Brookfield Life and Annuity Insurance Company Limited. Ordinary dividends of $200 million were paid from the U.S. Life Insurance Division to the holding company as of December 31, 2013.	
 
•	 	As of December 31, 2013, LTC in force premium rate increase approvals represented approximately $195 to $200 million of the expected $250 to $300 million premium increase when fully implemented.	
Life Insurance
Life insurance net operating income was $56 million, compared with $54 million in the prior quarter and $46 million in the prior year. Results in the quarter included $8 million of favorable items, including a favorable impact from prepayment speed adjustments on structured securities and a favorable impact from a refinement to the calculation of incurred but not reported reserves. Results in the quarter also included favorable taxes of $6 million from a state tax adjustment. Current quarter mortality experience was favorable versus pricing expectations and in line with the prior quarter but unfavorable versus the prior year because of higher claim severity. Prior quarter results included a net benefit of $17 million from favorable unlocking and other adjustments.
Sales increased modestly versus the prior quarter and were down $14 million versus the prior year when the company discontinued sales of its term universal life insurance product because of regulatory changes and began to transition to new term and universal life insurance product offerings. The company is continuing to make pricing and product changes that are expected to increase sales over time.
Long Term Care Insurance
Long term care insurance net operating income was $42 million, compared with $41 million in the prior quarter and $7 million in the prior year. Results benefitted from premium increases and reduced benefits of $8 million versus the prior quarter and $34 million versus the prior year related to the premium increases approved and implemented to date. Current quarter results included a $7 million unfavorable reserve adjustment and $7 million of favorable taxes primarily from a deferred tax liability correction. Results also included unfavorable claims experience versus the prior quarter from lower cancellations of pending claims. Prior year results included a $5 million unfavorable refinement to reserves to more fully reflect the low interest rate environment. The reported loss ratio for the current quarter was approximately 68 percent, four points higher than the prior quarter and five points lower than the prior year.

4  	Company estimate for the fourth quarter of 2013, due to timing of the filing of statutory statements.	
 
5

Individual LTC sales of $24 million were lower than the prior quarter. Sales are expected to continue at these levels in the near term due to the cessation of sales of AARP branded products in the retail channel and the introduction of higher priced products in additional states. The company is investing in distribution and marketing to increase LTC sales over time and also announced in the fourth quarter that it has started to file for regulatory approval of its Privileged Choice Flex 3.0 product. The company expects to launch the new product by the end of the first half of 2014.
As previously announced in the third quarter of 2012, the company filed for LTC in force premium rate increases with the goal of achieving approximately $250 to $300 million of additional annual premiums when fully implemented by 2017. As of December 31, 2013, the company has received approvals from 41 states representing approximately $195 to $200 million of the expected premium increase.
Fixed Annuities
Fixed annuities net operating income was $21 million, compared with $16 million in the prior quarter and $20 million in the prior year. Results in the quarter included higher investment income from limited partnership performance versus the prior quarter and prior year and modest spread compression versus the prior year. Sales in the quarter totaled $730 million, down modestly sequentially but up significantly versus the prior year as the company continued to benefit from competitively priced products in a rising interest rate environment while still meeting targeted returns.
U.S. Life Companies Capital
The consolidated risk-based capital (RBC) ratio is estimated to be approximately 470 percent 4 , up from approximately 450 percent at the end of the third quarter of 2013 and the consolidated U.S. life insurance companies unassigned surplus is estimated to be $400 million 4 , up from $259 million at the end of the third quarter of 2013. During the quarter, the company restructured reinsurance transactions related to its life insurance products generating in excess of $200 million of benefit to unassigned surplus, partially offset by an $80 million increase to statutory reserves related to its universal life products with secondary guarantees in the company’s New York subsidiary. The U.S. life insurance companies paid $75 million in dividends in the fourth quarter of 2013. During the quarter, the consolidated RBC ratio also benefitted from a favorable impact related to a change to the required capital for commercial mortgage loans.
Global Mortgage Insurance Division
Global Mortgage Insurance Division had net operating income of $107 million, compared with $87 million in the prior quarter and $133 million a year ago.
 
6

Global Mortgage Insurance Division
Net Operating Income (Loss)
													
(Amounts in millions)	  	Q4 13	 	 	Q3 13	 	 	Q4 12	 	
International Mortgage Insurance	  				 				 				
Canada 3	  	$	44	  	 	$	41	  	 	$	114	  	
Australia	  	 	66	  	 	 	61	  	 	 	62	  	
Other Countries	  	 	(9	) 	 	 	(12	) 	 	 	(11	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance	  	 	101	  	 	 	90	  	 	 	165	  	
U.S. Mortgage Insurance	  	 	6	  	 	 	(3	) 	 	 	(32	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance	  	$	107	  	 	$	87	  	 	$	133	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Sales
													
(Amounts in billions)	  	Q4 13	 	  	Q3 13	 	  	Q4 12	 	
International Mortgage Insurance	  				  				  				
Flow	  				  				  				
Canada	  	$	5.0	  	  	$	6.0	  	  	$	4.4	  	
Australia	  	 	9.0	  	  	 	8.0	  	  	 	9.6	  	
Other Countries	  	 	0.5	  	  	 	0.5	  	  	 	0.5	  	
Bulk	  				  				  				
Canada	  	 	2.4	  	  	 	3.9	  	  	 	4.1	  	
Australia	  	 	—  	 	  	 	0.1	  	  	 	—  	 	
Other Countries	  	 	0.6	  	  	 	—  	 	  	 	—  	 	
U.S. Mortgage Insurance	  				  				  				
Primary Flow	  	 	4.9	  	  	 	6.4	  	  	 	5.1	  	
Primary Bulk	  	 	—  	 	  	 	—  	 	  	 	—  	 	
International Mortgage Insurance Segment
Key Points
 
•	 	Reported International Mortgage Insurance segment net operating earnings were $101 million, compared with $90 million in the prior quarter and $165 million a year ago. Foreign exchange had a favorable impact of $1 million versus the prior quarter and an unfavorable impact of $9 million versus the prior year, primarily in Australia. Results in the prior year included a $78 million after-tax favorable adjustment from the reversal of the accrued liability for exit fees related to the government guarantee fund. Net operating income was $361 million in 2013, compared with $342 million in 2012.	
 
•	 	In Canada, flow new insurance written (NIW) was down 17 percent 5 sequentially and up 20 percent 5 year over year. In addition, in the current quarter, the company completed $2.4 billion of bulk transactions, consisting of low loan-to-value prime loans. In Australia, flow NIW was up 11 percent 5 sequentially and up three percent 5 year over year.	
 
•	 	The Canadian and Australian businesses continue to maintain sound capital positions.	
 
•	 	Dividends of $67 million were paid to the holding company in the fourth quarter of 2013 bringing the full year dividends paid to the holding company to $240 million, including proceeds relating to Genworth MI Canada Inc.’s share repurchase program.	

5  	Percent change excludes the impact of foreign exchange.	
 
7

Canada Mortgage Insurance
Canada reported net operating earnings of $44 million versus $41 million in the prior quarter and $114 million in the prior year. Results in the prior year included a $78 million after-tax favorable adjustment from the reversal of the accrued liability for exit fees related to the government guarantee fund. The loss ratio in the quarter was 22 percent, flat to the prior quarter and down nine points from the prior year primarily from lower new delinquencies and a favorable shift in the geographic mix of delinquencies. Total delinquencies were up modestly sequentially from seasonally higher new delinquencies and lower cures and processed claims. Results in the quarter included favorable taxes and higher expenses versus both the prior quarter and prior year and unfavorable foreign exchange versus the prior year. Flow NIW was down 17 percent 5 sequentially from normal seasonal variation and up 20 percent 5 year over year primarily from a larger origination market. In addition, the company completed several bulk transactions in the quarter, consisting of low loan-to-value prime loans, of approximately $2.4 billion reflecting its selective participation in this market. At quarter end, the Canada mortgage insurance business had a regulatory capital ratio of 222 percent 4 , well in excess of regulatory requirements. GAAP book value was $2.9 billion, of which $1.7 billion represented Genworth’s 57.4 percent ownership interest, and was flat to the prior quarter.
Australia Mortgage Insurance
Australia reported net operating earnings of $66 million versus $61 million in the prior quarter and $62 million in the prior year. The loss ratio in the quarter was 21 percent, down 10 points sequentially and down 15 points from the prior year from seasonally lower new delinquencies net of cures compared to the prior quarter and favorable aging compared to both the prior quarter and prior year. Improvements in losses and favorable taxes of $8 million were partially offset by a $4 million charge related to a customer contract. Earnings were impacted by unfavorable foreign exchange of $6 million versus the prior year. Flow NIW was up 11 percent 5 sequentially and up three percent 5 year over year from a larger origination market. At quarter end, the Australia mortgage insurance business had a regulatory capital ratio of 148 percent 4 , in excess of regulatory requirements. Subsequent to year end 2013, the business terminated an affiliate reinsurance treaty that will reduce the regulatory capital ratio by approximately six points going forward. The GAAP book value was $1.9 billion as of the end of the quarter, down $0.1 billion from the prior quarter primarily from changes in foreign exchange.
Other Countries Mortgage Insurance
Other Countries had a net operating loss of $9 million, compared to net operating losses of $12 million in the prior quarter and $11 million in the prior year as the business continues to be pressured from elevated losses, primarily in Ireland. During the quarter, the business executed two lender settlements reducing outstanding risk-in-force in Ireland from $1.5 billion to approximately $0.8 billion.
 
8

U.S. Mortgage Insurance Segment
Key Points
 
•	 	U.S. MI net operating income was $6 million, compared with a net operating loss of $3 million in the prior quarter and a net operating loss of $32 million in the prior year. Net operating income was $37 million in 2013, compared with a net operating loss of $138 million in 2012.	
 
•	 	Flow NIW decreased 23 percent from the prior quarter from market seasonality and decreased four percent from the prior year to $4.9 billion.	
 
•	 	The risk-to-capital ratio for GMICO is estimated at 19.3:1 4 and the combined risk-to-capital ratio is estimated at 19.5:1 4 as of December 31, 2013 reflecting a $100 million capital contribution and $75 million of admitted statutory deferred taxes.	
Total flow delinquencies decreased six percent sequentially and decreased 26 percent versus the prior year. New flow delinquencies decreased approximately seven percent from the prior quarter from recent seasonal variation and decreased approximately 21 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 $29,400, down slightly from the prior quarter.
Total losses were down $15 million compared to the prior quarter from favorable changes in aging of existing delinquencies and a decrease in new delinquency development.
Loss mitigation savings were $124 million in the quarter, down $12 million from the prior quarter. Loss mitigation savings for the year ended December 31, 2013 were $563 million.
Flow NIW of $4.9 billion decreased 23 percent over the prior quarter reflecting a smaller overall origination market, a modest increase in overall private mortgage insurance market penetration and stable market share and decreased four percent versus the prior year. Overall private mortgage insurance market penetration was up slightly from the prior quarter and up approximately five points year over year. The company’s estimate of market share at the end of the quarter is approximately 13 percent. Flow persistency was 83 percent. In addition, the Home Affordable Refinance Program (HARP) accounted for about $0.8 billion in the quarter 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 19.5:1 4 at the end of the fourth quarter with the risk-to-capital ratio for GMICO estimated at 19.3:1 4 . GMICO’s estimated risk-to-capital ratio of 19.3:1 4 is in compliance with the maximum state regulatory limit of 25.0:1 and, as a result, GMICO is now authorized and currently writes new business for all states. Of the waivers and approvals previously relied upon, two state waivers have expired and each GSE approval related to the use of an alternative affiliated insurer also expired,
 
9

on December 31, 2013. GMICO currently maintains waivers or other authorizations from 44 states that permit the company to continue writing new business if its risk-to-capital ratio exceeds 25.0:1, however, the company plans to allow those waivers to expire pursuant to their terms in 2014. The company expects that U.S. MI will continue to meet its regulatory capital requirements, however, the company would pursue required regulatory and GSE forbearance in the future, if needed.
In December 2013, Genworth Holdings, Inc. completed a $400 million senior notes offering and the company subsequently made capital contributions of $300 million to Genworth Mortgage Holdings, LLC and $100 million to GMICO in anticipation of the higher capital requirements expected to be imposed by the GSEs as a part of the anticipated revisions to their eligibility standards for qualifying mortgage insurers. The $300 million remaining at Genworth Mortgage Holdings, LLC, if contributed to GMICO as of December 31, 2013, would have resulted in a favorable impact to GMICO’s risk-to-capital ratio of approximately four points.
Corporate and Other Division
Corporate and Other Division net operating loss was $33 million, compared with $59 million in the prior quarter and $45 million in the prior year. The net operating loss was $176 million in 2013, compared with a net operating loss of $135 million in 2012.
Corporate and Other Division
Net Operating Income (Loss)
													
(Amounts in millions) 	  	Q4 13	 	 	Q3 13	 	 	Q4 12	 	
International Protection	  	$	13	  	 	$	4	  	 	$	8	  	
Runoff	  	 	19	  	 	 	25	  	 	 	8	  	
Corporate and Other	  	 	(65	) 	 	 	(88	) 	 	 	(61	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other	  	$	(33	) 	 	$	(59	) 	 	$	(45	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Account Value
													
(Amounts in millions)	  	Q4 13	 	  	Q3 13	 	  	Q4 12	 	
Variable Annuities	  	$	8,020	  	  	$	7,966	  	  	$	8,095	  	
Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements	  	 	896	  	  	 	1,036	  	  	 	2,153	  	
International Protection Segment
International Protection reported operating earnings of $13 million, compared with $4 million in the prior quarter and $8 million in the prior year. Results in the current quarter reflected $10 million of favorable adjustments, including $8 million of favorable taxes primarily from a tax liability correction. The business continues to be impacted by the slow consumer lending environment in Europe and high unemployment in Southern Europe continues to keep losses elevated. At quarter end, the lifestyle protection business had a regulatory capital ratio of approximately 332 percent 4 , well in excess of regulatory requirements. Dividends of $24 million were paid to the holding company through December 31, 2013.
 
10

Runoff Segment
The Runoff segment’s net operating income was $19 million, compared with $25 million in the prior quarter and $8 million in the prior year. Results in the current quarter included favorable equity market conditions and more favorable investment income versus the prior quarter and prior year. Results in the prior quarter reflected more favorable taxes.
Corporate and Other
Corporate and Other’s net operating loss was $65 million, compared with $88 million in the prior quarter and $61 million in the prior year. Results in the prior quarter included an unfavorable adjustment of $20 million, including $18 million from a correction of prior periods, related to non-deductible stock compensation expense resulting from cancellations.
Investment Portfolio Performance
Net investment income increased to $835 million, compared to $801 million in the prior quarter primarily from favorable limited partnership performance, higher volume of assets from increased annuity sales and favorable foreign exchange. The reported yield for the current quarter was approximately 4.8 percent. The core yield 2 was up modestly from the prior quarter at approximately 4.6 percent.
Net income in the quarter included $15 million of net investment gains, net of tax, DAC amortization and other items. Total investment impairments, net of tax, were $3 million in the current quarter and $14 million in the prior year.
Net unrealized investment gains were $0.9 billion, net of tax and other items, as of December 31, 2013 compared with $2.6 billion as of December 31, 2012 and $1.1 billion as of September 30, 2013 primarily driven by rising interest rates. The fixed maturity securities portfolio had gross unrealized investment gains of $3.3 billion compared with $6.7 billion as of December 31, 2012 and gross unrealized investment losses of $1.0 billion compared with $0.6 billion as of December 31, 2012.
Holding Company
Genworth’s holding company 6 ended the quarter with approximately $1.4 billion 7 of cash and liquid assets, up $55 million compared to the prior quarter, from $167 million of dividends received from the operating companies, partially offset by approximately $90 million of debt interest payments and $22 million of net other expenses. In December 2013, Genworth Holdings, Inc. completed a $400 million senior notes offering and the company subsequently made capital contributions of $300 million to Genworth Mortgage Holdings, LLC and

6  	Holding company cash and liquid assets comprises assets held in Genworth Holdings, Inc. (the issuer of outstanding public company debt) which is now a subsidiary of Genworth Financial, Inc.	
7  	Comprises cash and cash equivalents of $1,219 million and U.S. government bonds of $150 million.	
 
11

$100 million to GMICO in anticipation of the higher capital requirements expected to be imposed by government-owned and GSEs. The holding company targets maintaining cash balances of at least one and a half times its annual debt service expense plus a risk buffer of $350 million. After deducting for the net proceeds from the sale of the wealth management business and cash on hand at Genworth Holdings, Inc. that will be used to address the remaining $485 million 2014 debt at maturity or before, cash and highly liquid securities were approximately $880 million at the end of the quarter.
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, and financial protection coverages — and mortgage insurance that helps consumers achieve home ownership while assisting lenders in managing their risk and capital.
Genworth operates through three divisions: U.S. Life Insurance, which includes life insurance, long term care insurance and fixed annuities; Global Mortgage Insurance, containing U.S. Mortgage Insurance and International Mortgage Insurance segments; and the Corporate and Other division, which includes the International Protection and Runoff segments. Products and services are offered through financial intermediaries, advisors, independent distributors and sales specialists. Genworth, headquartered in Richmond, Virginia, traces its roots back to 1871 and became a public company in 2004. For more information, visit genworth.com . From time to time, Genworth 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 fourth quarter 2013 financial supplement are now posted on the company’s website. Additional information regarding business results and 2014 business goals and strategic priorities will be posted on the company’s website, http://investor.genworth.com , by 7:30 a.m. on February 5, 2014. Investors are encouraged to review these materials.
Genworth will conduct a conference call on February 5, 2014 at 8 a.m. (ET) to discuss the quarter’s results and provide a progress update on its strategic priorities, as well as details on its 2014 business goals and outlook. The conference call will be accessible via telephone and the Internet. The dial-in number for the conference call is 877 888.4034 or 913 489.5101 (outside the U.S.); conference ID # 7281168. 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.
 
12

Replays of the call will be available through February 19, 2014 at 888 203.1112 or 719 457.0820 (outside the U.S.); conference ID # 7281168. The webcast will also be archived on the company’s website for one year.
Use of Non-GAAP Measures
This press release includes the non-GAAP financial measures entitled “net operating income (loss)” and “operating earnings per share.” Operating earnings per share is derived from net operating income (loss). The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss). The company defines net operating income (loss) 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, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for blocks of business. 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, the early extinguishment of debt and insurance block transactions are also excluded from net operating income (loss) 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) if, in the company’s opinion, they are not indicative of overall operating trends.
In the fourth quarter of 2013, the company revised its definition of net operating income (loss) to exclude gains (losses) on the early extinguishment of debt and gains (losses) on insurance block transactions to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that these measures are not indicative of overall operating trends. All prior periods presented have been re-presented to reflect this new definition.
Based on the revised definition of net operating income, the following transactions were excluded from net operating income for the periods presented. In the third quarter of 2013, the company paid an after-tax make-whole expense of approximately $20 million related to the early redemption of Genworth Holdings’ notes that mature in 2015. In the fourth quarter of 2012, the company repurchased principal of approximately $100 million
 
13

of Genworth Holdings’ notes that mature in June 2014 for an after-tax loss of $4 million. In the fourth quarter of 2012, the company also repurchased $20 million of non-recourse funding obligations resulting in an after-tax gain of approximately $3 million. In the third quarter of 2012, the company completed a life block transaction resulting in an after-tax loss of $6 million. In January 2012, the company completed a life block transaction resulting in an after-tax loss of approximately $41 million.
There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than a $13 million after-tax expense recorded in the second quarter of 2013 related to restructuring costs.
While some of these items may be significant components of net income (loss) available to Genworth’s common stockholders in accordance with GAAP, the company believes that net operating income (loss) and measures that are derived from or incorporate net operating income (loss), including net operating income (loss) 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) 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) have occurred in the past and could, and in some cases will, recur in the future. Net operating income (loss) and net operating income (loss) per common share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth’s common stockholders or net income (loss) available to Genworth’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) 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’s common stockholders for the three and twelve months ended December 31, 2013 and 2012, as well as for the three months ended September 30, 2013.
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.
 
14

Definition of Selected Operating Performance Measures
The company reports selected operating performance measures including “sales” and “insurance in force” or “risk in force” which are commonly used in the insurance industry 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 products; (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) new insurance written for mortgage insurance; and (6) net written premiums for the lifestyle protection insurance business. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers annualized first-year premiums/deposits, premium equivalents, new premiums/deposits, 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 insurance in force and risk in force. 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 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
 
15

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. Estimated savings related to claims mitigation activities represent amounts deducted or “curtailed” from claims due to acts or omissions by the insured or the servicer with respect to the servicing of an insured loan that is not in compliance with obligations under its master policy. For non-cure related actions, including presales, the estimated savings represent the difference between the full claim obligation and the actual amount paid. Loans subject to the company’s loss mitigation actions, the results of which have been included in the company’s reported estimated loss mitigation savings, are subject to re-default and may result in a potential claim in future periods, as well as potential future loss mitigation savings depending on the resolution of the re-defaulted loan. 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.
Management regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage and lifestyle protection insurance businesses, the loss ratio is the ratio of incurred losses and loss adjustment expenses to net earned premiums. For the long-term care insurance business, the loss ratio is the ratio of benefits and other changes in reserves less tabular interest on reserves less loss adjustment expenses to net earned premiums. The company considers the loss ratio to be a measure of underwriting performance in these businesses that helps to enhance the understanding of the operating performance of the businesses.
An assumed tax rate of 35 percent is utilized in the explanation of certain specific variances in operating performance and investment results.
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.
 
16

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, but not limited to, 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 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 and required increases to reserve liabilities; 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 and confidential information contained therein; 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 accounting and reporting standards issued by the Financial Accounting Standards Board or other standard-setting bodies and insurance regulators; impairments of or valuation allowances against the company’s deferred tax assets; changes in expected morbidity or mortality rates; accelerated amortization of deferred acquisition costs and present value of future profits; ability to increase premiums on certain in-force and future long-term care insurance products by enough or quickly enough, including the current rate actions and any future rate actions; medical advances, such as genetic research and diagnostic imaging, 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; fluctuations in foreign exchange rates and international securities markets; unexpected changes in unemployment rates; unexpected increases in international 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 (GSEs) offering mortgage insurance; changes in international regulations reducing demand for mortgage insurance; increases in U.S. 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	
 
17

 	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 company’s 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 the company’s U.S. mortgage lending customers; legal actions under the Real Estate Settlement Procedures Act of 1974 (RESPA); potential liabilities in connection with the company’s U.S. contract underwriting services; and the impact on the statutory capital and risk-to-capital ratios of the U.S. mortgage insurance business from variations in the valuation of affiliate investments;	
 
 	•	 	Other risks , including the risk that the company’s strategy may not be successfully implemented; the company’s Capital Plan may not achieve its anticipated benefits; adverse market or other conditions might delay or impede the minority sale of the company’s mortgage insurance business in Australia; the possibility that in certain circumstances we 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; 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 the impact of the expense reduction announced on June 6, 2013 is not as anticipated and the company may lose key personnel related to actions like this as well as general uncertainty in the timing of the company’s turnaround; and	
 
 	•	 	Risks relating to the company’s common stock, including the suspension of dividends and stock price fluctuations.	
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	
 
18

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

 	  	Three months ended
December 31,	 	  	Twelve months ended
December 31,	 	
 	  	2013	 	  	2012	 	  	2013	 	 	2012	 	
Revenues:	  				  				  				 				
Premiums	  	$	1,310	  	  	$	1,320	  	  	$	5,148	  	 	$	5,041	  	
Net investment income	  	 	835	  	  	 	840	  	  	 	3,271	  	 	 	3,343	  	
Net investment gains (losses)	  	 	26	  	  	 	14	  	  	 	(37	) 	 	 	27	  	
Insurance and investment product fees and other	  	 	241	  	  	 	293	  	  	 	1,021	  	 	 	1,229	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Total revenues	  	 	2,412	  	  	 	2,467	  	  	 	9,403	  	 	 	9,640	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Benefits and expenses:	  				  				  				 				
Benefits and other changes in policy reserves	  	 	1,256	  	  	 	1,401	  	  	 	4,895	  	 	 	5,378	  	
Interest credited	  	 	186	  	  	 	193	  	  	 	738	  	 	 	775	  	
Acquisition and operating expenses, net of deferrals	  	 	406	  	  	 	272	  	  	 	1,659	  	 	 	1,594	  	
Amortization of deferred acquisition costs and intangibles	  	 	128	  	  	 	144	  	  	 	569	  	 	 	722	  	
Goodwill impairment	  	 	—  	 	  	 	—  	 	  	 	—  	 	 	 	89	  	
Interest expense	  	 	121	  	  	 	124	  	  	 	492	  	 	 	476	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	2,097	  	  	 	2,134	  	  	 	8,353	  	 	 	9,034	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Income from continuing operations before income taxes	  	 	315	  	  	 	333	  	  	 	1,050	  	 	 	606	  	
Provision for income taxes	  	 	70	  	  	 	73	  	  	 	324	  	 	 	138	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Income from continuing operations	  	 	245	  	  	 	260	  	  	 	726	  	 	 	468	  	
Income (loss) from discontinued operations, net of taxes	  	 	—  	 	  	 	6	  	  	 	(12	) 	 	 	57	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Net income	  	 	245	  	  	 	266	  	  	 	714	  	 	 	525	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	  	 	98	  	  	 	154	  	 	 	200	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Net income available to Genworth Financial, Inc.’s common stockholders	  	$	208	  	  	$	168	  	  	$	560	  	 	$	325	  	

Income from continuing operations available to Genworth Financial, Inc.’s common stockholders per common share:	  				  				  				 				
Basic	  	$	0.42	  	  	$	0.33	  	  	$	1.16	  	 	$	0.55	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Diluted	  	$	0.42	  	  	$	0.33	  	  	$	1.15	  	 	$	0.54	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Net income available to Genworth Financial, Inc.’s common stockholders per common share:	  				  				  				 				
Basic	  	$	0.42	  	  	$	0.34	  	  	$	1.13	  	 	$	0.66	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Diluted	  	$	0.41	  	  	$	0.34	  	  	$	1.12	  	 	$	0.66	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Weighted-average shares outstanding:	  				  				  				 				
Basic	  	 	494.7	  	  	 	491.9	  	  	 	493.6	  	 	 	491.6	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	
Diluted	  	 	501.2	  	  	 	493.9	  	  	 	498.7	  	 	 	494.4	  	

19

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

 	  	Three
months ended
December 31,	 	 	Twelve
months ended
December 31,	 	 	Three
months ended
September 30,	 	
 	  	2013	 	 	2012	 	 	2013	 	 	2012	 	 	2013	 	
Net operating income (loss):	  				 				 				 				 				
U.S. Life Insurance Division	  				 				 				 				 				
U.S. Life Insurance segment	  				 				 				 				 				
Life Insurance	  	$	56	  	 	$	46	  	 	$	173	  	 	$	151	  	 	$	54	  	
Long Term Care	  	 	42	  	 	 	7	  	 	 	129	  	 	 	101	  	 	 	41	  	
Fixed Annuities	  	 	21	  	 	 	20	  	 	 	92	  	 	 	82	  	 	 	16	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	119	  	 	 	73	  	 	 	394	  	 	 	334	  	 	 	111	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance Division	  	 	119	  	 	 	73	  	 	 	394	  	 	 	334	  	 	 	111	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division	  				 				 				 				 				
International Mortgage Insurance segment	  				 				 				 				 				
Canada 3	  	 	44	  	 	 	114	  	 	 	170	  	 	 	234	  	 	 	41	  	
Australia	  	 	66	  	 	 	62	  	 	 	228	  	 	 	142	  	 	 	61	  	
Other Countries	  	 	(9	) 	 	 	(11	) 	 	 	(37	) 	 	 	(34	) 	 	 	(12	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	101	  	 	 	165	  	 	 	361	  	 	 	342	  	 	 	90	  	
U.S. Mortgage Insurance segment	  	 	6	  	 	 	(32	) 	 	 	37	  	 	 	(138	) 	 	 	(3	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	107	  	 	 	133	  	 	 	398	  	 	 	204	  	 	 	87	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Other Division	  				 				 				 				 				
International Protection segment	  	 	13	  	 	 	8	  	 	 	24	  	 	 	24	  	 	 	4	  	
Runoff segment	  	 	19	  	 	 	8	  	 	 	66	  	 	 	46	  	 	 	25	  	
Corporate and Other	  	 	(65	) 	 	 	(61	) 	 	 	(266	) 	 	 	(205	) 	 	 	(88	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other Division	  	 	(33	) 	 	 	(45	) 	 	 	(176	) 	 	 	(135	) 	 	 	(59	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net operating income	  	 	193	  	 	 	161	  	 	 	616	  	 	 	403	  	 	 	139	  	
Adjustments to net operating income:	  				 				 				 				 				
Net investment gains (losses), net of taxes and other adjustments	  	 	15	  	 	 	2	  	 	 	(11	) 	 	 	(1	) 	 	 	(13	) 	
Goodwill impairment, net of taxes	  	 	—  	 	 	 	—  	 	 	 	—  	 	 	 	(86	) 	 	 	—  	 	
Expenses related to restructuring, net of taxes	  	 	—  	 	 	 	—  	 	 	 	(13	) 	 	 	—  	 	 	 	—  	 	
Gains (losses) on early extinguishment of debt, net of taxes	  	 	—  	 	 	 	(1	) 	 	 	(20	) 	 	 	(1	) 	 	 	(20	) 	
Gains (losses) on life block transactions, net of taxes	  	 	—  	 	 	 	—  	 	 	 	—  	 	 	 	(47	) 	 	 	—  	 	
Income (loss) from discontinued operations, net of taxes	  	 	—  	 	 	 	6	  	 	 	(12	) 	 	 	57	  	 	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net income available to Genworth Financial, Inc.’s common stockholders	  	 	208	  	 	 	168	  	 	 	560	  	 	 	325	  	 	 	108	  	
Add: net income attributable to noncontrolling interests	  	 	37	  	 	 	98	  	 	 	154	  	 	 	200	  	 	 	40	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net income	  	$	245	  	 	$	266	  	 	$	714	  	 	$	525	  	 	$	148	  	

Net income available to Genworth Financial, Inc.’s common stockholders per common share:	  				 				 				 				 				
Basic	  	$	0.42	  	 	$	0.34	  	 	$	1.13	  	 	$	0.66	  	 	$	0.22	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Diluted	  	$	0.41	  	 	$	0.34	  	 	$	1.12	  	 	$	0.66	  	 	$	0.22	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net operating income per common share:	  				 				 				 				 				
Basic	  	$	0.39	  	 	$	0.33	  	 	$	1.25	  	 	$	0.82	  	 	$	0.28	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Diluted	  	$	0.38	  	 	$	0.33	  	 	$	1.24	  	 	$	0.82	  	 	$	0.28	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Weighted-average shares outstanding:	  				 				 				 				 				
Basic	  	 	494.7	  	 	 	491.9	  	 	 	493.6	  	 	 	491.6	  	 	 	494.0	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Diluted	  	 	501.2	  	 	 	493.9	  	 	 	498.7	  	 	 	494.4	  	 	 	499.3	  	

20

Condensed Consolidated Balance Sheets
(Amounts in millions)

 	  	December 31,
2013	 	 	December 31,
2012	 	
Assets	  				 				
Cash, cash equivalents and invested assets	  	$	73,505	  	 	$	78,726	  	
Deferred acquisition costs	  	 	5,278	  	 	 	5,036	  	
Intangible assets	  	 	399	  	 	 	366	  	
Goodwill	  	 	867	  	 	 	868	  	
Reinsurance recoverable	  	 	17,219	  	 	 	17,230	  	
Other assets	  	 	639	  	 	 	710	  	
Separate account assets	  	 	10,138	  	 	 	9,937	  	
Assets associated with discontinued operations	  	 	—  	 	 	 	439	  	
	  	 	 	 	 	 	 	 	
Total assets	  	$	108,045	  	 	$	113,312	  	
	  	 	 	 	 	 	 	 	
Liabilities and stockholders’ equity	  				 				
Liabilities:	  				 				
Future policy benefits	  	$	33,705	  	 	$	33,505	  	
Policyholder account balances	  	 	25,528	  	 	 	26,262	  	
Liability for policy and contract claims	  	 	7,204	  	 	 	7,509	  	
Unearned premiums	  	 	4,107	  	 	 	4,333	  	
Deferred tax and other liabilities	  	 	4,262	  	 	 	6,746	  	
Borrowings related to securitization entities	  	 	242	  	 	 	336	  	
Non-recourse funding obligations	  	 	2,038	  	 	 	2,066	  	
Long-term borrowings	  	 	5,161	  	 	 	4,776	  	
Separate account liabilities	  	 	10,138	  	 	 	9,937	  	
Liabilities associated with discontinued operations	  	 	—  	 	 	 	61	  	
	  	 	 	 	 	 	 	 	
Total liabilities	  	 	92,385	  	 	 	95,531	  	
	  	 	 	 	 	 	 	 	
Stockholders’ equity:	  				 				
Common stock	  	 	1	  	 	 	1	  	
Additional paid-in capital	  	 	12,167	  	 	 	12,127	  	
	  	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  				 				
Net unrealized investment gains (losses):	  				 				
Net unrealized gains (losses) on securities not other-than-temporarily impaired	  	 	914	  	 	 	2,692	  	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	12	  	 	 	(54	) 	
	  	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	926	  	 	 	2,638	  	
	  	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	1,319	  	 	 	1,909	  	
Foreign currency translation and other adjustments	  	 	297	  	 	 	655	  	
	  	 	 	 	 	 	 	 	
Total accumulated other comprehensive income (loss)	  	 	2,542	  	 	 	5,202	  	
Retained earnings	  	 	2,423	  	 	 	1,863	  	
Treasury stock, at cost	  	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	14,433	  	 	 	16,493	  	
Noncontrolling interests	  	 	1,227	  	 	 	1,288	  	
	  	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	15,660	  	 	 	17,781	  	
	  	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	108,045	  	 	$	113,312	  	

21

Impact of Foreign Exchange on Operating Results 8
Three months ended December 31, 2013

 	  	Percentages
Including Foreign
Exchange	 	 	Percentages
Excluding Foreign
Exchange 9 	 	
Canada Mortgage Insurance (MI):	  				 				
Flow new insurance written	  	 	14	% 	 	 	20	% 	
Flow new insurance written (4Q13 vs. 3Q13)	  	 	(17	)% 	 	 	(17	)% 	
			
Australia MI:	  				 				
Flow new insurance written	  	 	(6	)% 	 	 	3	% 	
Flow new insurance written (4Q13 vs. 3Q13)	  	 	13	% 	 	 	11	% 	

8  	All percentages are comparing the fourth quarter of 2013 to the fourth quarter of 2012 unless otherwise stated.	
9  	The impact of foreign exchange was calculated using the comparable prior period exchange rates.	
 
22

Reconciliation of Net Investment Gains (Losses)
(Amounts in millions)

 	  	Three
months ended
December 31,	 	 	Twelve
months ended
December 31,	 	 	Three
months ended
September 30,	 	
 	  	2013	 	 	2012	 	 	2013	 	 	2012	 	 	2013	 	
Net investment gains (losses), gross	  	$	26	  	 	$	14	  	 	$	(37	) 	 	$	27	  	 	$	(23	) 	
Adjustments for:	  				 				 				 				 				
Deferred acquisition costs and other intangible amortization and certain benefit reserves	  	 	—  	 	 	 	(10	) 	 	 	32	  	 	 	(22	) 	 	 	6	  	
Net investment gains (losses) attributable to noncontrolling interests	  	 	(2	) 	 	 	—  	 	 	 	(13	) 	 	 	(5	) 	 	 	(4	) 	
Taxes	  	 	(9	) 	 	 	(2	) 	 	 	7	  	 	 	(1	) 	 	 	8	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes and other adjustments	  	$	15	  	 	$	2	  	 	$	(11	) 	 	$	(1	) 	 	$	(13	) 	

23

Reconciliation of Core Yield to Reported Yield

(Assets - amounts in billions)	  	For the three
months ended
December 31,
2013	 	
Reported Total Invested Assets and Cash	  	$	72.8	  	
Subtract:	  				
Securities lending	  	 	0.2	  	
Unrealized gains (losses)	  	 	2.8	  	
Derivative counterparty collateral	  	 	0.2	  	
	  	 	 	 	
Adjusted end of period invested assets	  	$	69.6	  	

Average Invested Assets Used in Reported Yield Calculation	  	$	69.5	  	
Subtract:	  				
Restricted commercial mortgage loans and other invested assets related to securitization entities 10	  	 	0.3	  	
	  	 	 	 	
Average Invested Assets Used in Core Yield Calculation	  	$	69.2	  	

(Income - amounts in millions)	  	 	 	
Reported Net Investment Income	  	$	835	  	
Subtract:	  				
Bond calls and commercial mortgage loan prepayments	  	 	8	  	
Reinsurance 11	  	 	20	  	
Other non-core items 12	  	 	17	  	
Restricted commercial mortgage loans and other invested assets related to securitization entities 10	  	 	3	  	
	  	 	 	 	
Core Net Investment Income	  	$	787	  	

Reported Yield	  	 	4.81	% 	
	  	 	 	 	
Core Yield	  	 	4.55	% 	

10  	Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.	
11  	Represents imputed investment income related to reinsurance agreements in the lifestyle protection insurance business.	
12  	Includes cost basis adjustments on structured securities, preferred stock income and various other immaterial items.	
 
24

Table of Contents
Exhibit 99.2

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013

 Table of Contents	  	Page	 	
Investor Letter	  	 	3	  	
Use of Non-GAAP Measures and Selected Operating Performance Measures	  	 	4-5	  	
Financial Highlights	  	 	6	  	
		
Fourth Quarter Results	  				
Consolidated Net Income by Quarter	  	 	8	  	
Net Operating Income by Segment by Quarter	  	 	9	  	
Consolidated Balance Sheets	  	 	10-11	  	
Consolidated Balance Sheets by Segment	  	 	12-13	  	
Deferred Acquisition Costs Rollforward	  	 	14	  	
		
Quarterly Results	  				
Net Operating Income and Sales—U.S. Life Insurance Division	  	 	16-24	  	
Net Operating Income (Loss) and Sales—Global Mortgage Insurance Division	  	 	26-49	  	
Net Operating Income (Loss) and Sales—Corporate and Other Division	  	 	51-62	  	
		
Additional Financial Data	  				
Investments Summary	  	 	64	  	
Fixed Maturity Securities Summary	  	 	65	  	
Commercial Mortgage Loans Summary	  	 	66-67	  	
General Account GAAP Net Investment Income Yields	  	 	68	  	
Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail	  	 	69	  	
		
Reconciliations of Non-GAAP Measures	  				
Reconciliation of Operating Return On Equity (ROE)	  	 	71	  	
Reconciliation of Expense Ratio	  	 	72	  	
Reconciliation of Core Premiums	  	 	73	  	
Reconciliation of Core Yield	  	 	74	  	
		
Corporate Information	  				
Industry Ratings	  	 	76-77	  	
Note: 
Unless otherwise noted, references in this financial supplement to income (loss) from continuing operations, income (loss) from continuing operations per share, net income (loss), net income (loss) per share, book value and book value per common share should be read as income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders, income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders per share, net income (loss) available to Genworth Financial, Inc.’s common stockholders, net 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
FOURTH QUARTER 2013
 
 Dear Investor,
In the fourth quarter of 2013, the company revised its definition of net operating income. 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
FOURTH QUARTER 2013
 
 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). The company defines net operating income (loss) 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, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for blocks of business. 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, the early extinguishment of debt and insurance block transactions are also excluded from net operating income (loss) 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) if, in the company’s opinion, they are not indicative of overall operating trends.
In the fourth quarter of 2013, the company revised its definition of net operating income (loss) to exclude gains (losses) on the early extinguishment of debt and gains (losses) on insurance block transactions to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that these measures are not indicative of overall operating trends. All prior periods presented have been re-presented to reflect this new definition.
Based on the revised definition of net operating income, the following transactions were excluded from net operating income for the periods presented. In the third quarter of 2013, the company paid an after-tax make-whole expense of approximately $20 million related to the early redemption of Genworth Holdings’ notes that mature in 2015. In the fourth quarter of 2012, the company repurchased principal of approximately $100 million of Genworth Holdings’ notes that mature in June 2014 for an after-tax loss of $4 million. In the fourth quarter of 2012, the company also repurchased $20 million of non-recourse funding obligations resulting in an after-tax gain of approximately $3 million. In the third quarter of 2012, the company completed a life block transaction resulting in an after-tax loss of $6 million. In January 2012, the company completed a life block transaction resulting in an after-tax loss of approximately $41 million.
There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than a $13 million after-tax expense recorded in the second quarter of 2013 related to restructuring costs.
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) and measures that are derived from or incorporate net operating income (loss), including net operating income (loss) 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) 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) have occurred in the past and could, and in some cases will, recur in the future. Net operating income (loss) and net operating income (loss) 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) may differ from the definitions used by other companies.
The table on page 9 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 71 through 74 of this financial supplement.

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

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Operating Performance Measures
This financial supplement contains selected operating performance measures including “sales” and “insurance in-force” or “risk in-force” which are commonly used in the insurance industry 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 products; (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) new insurance written for mortgage insurance; and (6) net premiums written for the lifestyle protection insurance business. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers annualized first-year premiums/ deposits, premium equivalents, new premiums/deposits, 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 insurance in-force and risk in-force. 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 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. Estimated savings related to claims mitigation activities represent amounts deducted or “curtailed” from claims due to acts or omissions by the insured or the servicer with respect to the servicing of an insured loan that is not in compliance with obligations under our master policy. For non-cure related actions, including presales, the estimated savings represent the difference between the full claim obligation and the actual amount paid. Loans subject to our loss mitigation actions, the results of which have been included in our reported estimated loss mitigations savings, are subject to re-default and may result in a potential claim in future periods as well as potential future loss mitigation savings depending on the resolution of the re-defaulted loan. 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.
Management regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage and lifestyle protection insurance businesses, the loss ratio is the ratio of incurred losses and loss adjustment expenses to net earned premiums. For the long-term care insurance business, the loss ratio is the ratio of benefits and other changes in reserves less tabular interest on reserves less loss adjustment expenses to net earned premiums. The company considers the loss ratio to be a measure of underwriting performance in these businesses that helps to enhance the understanding of the operating performance of the businesses.
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.
 
5

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Financial Highlights
(amounts in millions, except per share data)

Balance Sheet Data	  	December 31,
2013	 	 	September 30,
2013	 	 	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	  	$	11,891	  	 	$	11,665	  	 	$	11,547	  	  	$	11,398	  	  	$	11,291	  	
Total accumulated other comprehensive income	  	 	2,542	  	 	 	2,939	  	 	 	3,142	  	  	 	4,824	  	  	 	5,202	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	$	14,433	  	 	$	14,604	  	 	$	14,689	  	  	$	16,222	  	  	$	16,493	  	

Book value per common share	  	$	29.17	  	 	$	29.55	  	 	$	29.76	  	  	$	32.90	  	  	$	33.53	  	
Book value per common share, excluding accumulated other comprehensive income	  	$	24.03	  	 	$	23.60	  	 	$	23.39	  	  	$	23.11	  	  	$	22.95	  	
Common shares outstanding as of the balance sheet date	  	 	494.8	  	 	 	494.2	  	 	 	493.6	  	  	 	493.1	  	  	 	491.9	  	
		
 	  	Twelve months ended	 	
						
Twelve Month Rolling Average ROE	  	December 31,
2013	 	 	September 30,
2013	 	 	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
						
GAAP Basis ROE	  	 	4.8	% 	 	 	4.6	% 	 	 	4.0%	  	  	 	3.4%	  	  	 	2.9%	  	
Operating ROE (1)	  	 	5.3	% 	 	 	5.1	% 	 	 	5.0%	  	  	 	4.4%	  	  	 	3.6%	  	
		
 	  	Three months ended	 	
Quarterly Average ROE	  	December 31,
2013	 	 	September 30,
2013	 	 	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
GAAP Basis ROE	  	 	7.1	% 	 	 	3.7	% 	 	 	4.9%	  	  	 	3.6%	  	  	 	6.0%	  	
Operating ROE (1)	  	 	6.6	% 	 	 	4.8	% 	 	 	4.6%	  	  	 	5.3%	  	  	 	5.7%	  	

Basic and Diluted Shares	  	Three months ended
December 31,
2013	 	  	Twelve months ended
December 31,
2013	 	
Weighted-average shares used in basic earnings per common share calculations	  	 	494.7	  	  	 	493.6	  	
Potentially dilutive securities:	  				  				
Stock options, restricted stock units and stock appreciation rights	  	 	6.5	  	  	 	5.1	  	
	  	 	 	 	  	 	 	 	
Weighted-average shares used in diluted earnings per common share calculations	  	 	501.2	  	  	 	498.7	  	

(1)  	See page 71 herein for a reconciliation of GAAP Basis ROE to Operating ROE.	
 
6

Table of Contents
 
 Fourth Quarter Results

 
 
7

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Consolidated Net Income by Quarter
(amounts in millions, except per share amounts)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	  	1Q	 	 	Total	 	 	4Q	 	  	3Q	 	  	2Q	 	 	1Q	 	  	Total	 	
REVENUES:	  			 	  				 				  				 				 				  				  				 				  				
Premiums	  	$	1,310	  	  	$	1,291	  	 	$	1,286	  	  	$	1,261	  	 	$	5,148	  	 	$	1,320	  	  	$	1,313	  	  	$	1,302	  	 	$	1,106	  	  	$	5,041	  	
Net investment income	  	 	835	  	  	 	801	  	 	 	821	  	  	 	814	  	 	 	3,271	  	 	 	840	  	  	 	825	  	  	 	846	  	 	 	832	  	  	 	3,343	  	
Net investment gains (losses)	  	 	26	  	  	 	(23	) 	 	 	21	  	  	 	(61	) 	 	 	(37	) 	 	 	14	  	  	 	9	  	  	 	(33	) 	 	 	37	  	  	 	27	  	
Insurance and investment product fees and other	  	 	241	  	  	 	248	  	 	 	243	  	  	 	289	  	 	 	1,021	  	 	 	293	  	  	 	309	  	  	 	287	  	 	 	340	  	  	 	1,229	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	2,412	  	  	 	2,317	  	 	 	2,371	  	  	 	2,303	  	 	 	9,403	  	 	 	2,467	  	  	 	2,456	  	  	 	2,402	  	 	 	2,315	  	  	 	9,640	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				  				 				 				  				  				 				  				
Benefits and other changes in policy reserves	  	 	1,256	  	  	 	1,169	  	 	 	1,269	  	  	 	1,201	  	 	 	4,895	  	 	 	1,401	  	  	 	1,363	  	  	 	1,382	  	 	 	1,232	  	  	 	5,378	  	
Interest credited	  	 	186	  	  	 	184	  	 	 	184	  	  	 	184	  	 	 	738	  	 	 	193	  	  	 	193	  	  	 	194	  	 	 	195	  	  	 	775	  	
Acquisition and operating expenses, net of deferrals	  	 	406	  	  	 	407	  	 	 	413	  	  	 	433	  	 	 	1,659	  	 	 	272	  	  	 	443	  	  	 	439	  	 	 	440	  	  	 	1,594	  	
Amortization of deferred acquisition costs and intangibles	  	 	128	  	  	 	182	  	 	 	137	  	  	 	122	  	 	 	569	  	 	 	144	  	  	 	160	  	  	 	147	  	 	 	271	  	  	 	722	  	
Goodwill impairment	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	89	  	  	 	—  	  	 	 	—  	  	  	 	89	  	
Interest expense	  	 	121	  	  	 	124	  	 	 	121	  	  	 	126	  	 	 	492	  	 	 	124	  	  	 	126	  	  	 	131	  	 	 	95	  	  	 	476	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	2,097	  	  	 	2,066	  	 	 	2,124	  	  	 	2,066	  	 	 	8,353	  	 	 	2,134	  	  	 	2,374	  	  	 	2,293	  	 	 	2,233	  	  	 	9,034	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	315	  	  	 	251	  	 	 	247	  	  	 	237	  	 	 	1,050	  	 	 	333	  	  	 	82	  	  	 	109	  	 	 	82	  	  	 	606	  	
Provision for income taxes	  	 	70	  	  	 	105	  	 	 	73	  	  	 	76	  	 	 	324	  	 	 	73	  	  	 	23	  	  	 	27	  	 	 	15	  	  	 	138	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	245	  	  	 	146	  	 	 	174	  	  	 	161	  	 	 	726	  	 	 	260	  	  	 	59	  	  	 	82	  	 	 	67	  	  	 	468	  	
Income (loss) from discontinued operations, net of taxes (1)	  	 	—  	  	  	 	2	  	 	 	6	  	  	 	(20	) 	 	 	(12	) 	 	 	6	  	  	 	12	  	  	 	27	  	 	 	12	  	  	 	57	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
NET INCOME	  	 	245	  	  	 	148	  	 	 	180	  	  	 	141	  	 	 	714	  	 	 	266	  	  	 	71	  	  	 	109	  	 	 	79	  	  	 	525	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	  	 	40	  	 	 	39	  	  	 	38	  	 	 	154	  	 	 	98	  	  	 	36	  	  	 	33	  	 	 	33	  	  	 	200	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	$	208	  	  	$	108	  	 	$	141	  	  	$	103	  	 	$	560	  	 	$	168	  	  	$	35	  	  	$	76	  	 	$	46	  	  	$	325	  	

Earnings Per Share Data:	  				  				 				  				 				 				  				  				 				  				
											
Income from continuing operations available to Genworth Financial, Inc.’s common stockholders per common share	  				  				 				  				 				 				  				  				 				  				
Basic	  	$	0.42	  	  	$	0.21	  	 	$	0.27	  	  	$	0.25	  	 	$	1.16	  	 	$	0.33	  	  	$	0.05	  	  	$	0.10	  	 	$	0.07	  	  	$	0.55	  	
Diluted	  	$	0.42	  	  	$	0.21	  	 	$	0.27	  	  	$	0.25	  	 	$	1.15	  	 	$	0.33	  	  	$	0.05	  	  	$	0.10	  	 	$	0.07	  	  	$	0.54	  	
											
Net income available to Genworth Financial, Inc.’s common stockholders per common share	  				  				 				  				 				 				  				  				 				  				
Basic	  	$	0.42	  	  	$	0.22	  	 	$	0.29	  	  	$	0.21	  	 	$	1.13	  	 	$	0.34	  	  	$	0.07	  	  	$	0.16	  	 	$	0.09	  	  	$	0.66	  	
Diluted	  	$	0.41	  	  	$	0.22	  	 	$	0.28	  	  	$	0.21	  	 	$	1.12	  	 	$	0.34	  	  	$	0.07	  	  	$	0.16	  	 	$	0.09	  	  	$	0.66	  	
											
Weighted-average shares outstanding	  				  				 				  				 				 				  				  				 				  				
Basic	  	 	494.7	  	  	 	494.0	  	 	 	493.4	  	  	 	492.5	  	 	 	493.6	  	 	 	491.9	  	  	 	491.7	  	  	 	491.5	  	 	 	491.2	  	  	 	491.6	  	
Diluted	  	 	501.2	  	  	 	499.3	  	 	 	497.5	  	  	 	496.8	  	 	 	498.7	  	 	 	493.9	  	  	 	493.9	  	  	 	493.9	  	 	 	495.7	  	  	 	494.4	  	

(1)  	Income (loss) from discontinued operations related to the wealth management business, which was sold on August 30, 2013. Refer to page 62 for operating results of discontinued operations.	
 
8

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Net Operating Income by Segment by Quarter
(amounts in millions, except per share amounts)

 	 	 	  	2013	 	 	2012	 	
 	 	 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
U.S. Life Insurance Division	 		  			 	  				 				 				 				 				 				 				 				 				
U.S. Life Insurance segment:	 		  			 	  				 				 				 				 				 				 				 				 				
Life Insurance	 		  	$	56	  	  	$	54	  	 	$	27	  	 	$	36	  	 	$	173	  	 	$	46	  	 	$	28	  	 	$	30	  	 	$	47	  	 	$	151	  	
Long-Term Care Insurance	 		  	 	42	  	  	 	41	  	 	 	26	  	 	 	20	  	 	 	129	  	 	 	7	  	 	 	45	  	 	 	14	  	 	 	35	  	 	 	101	  	
Fixed Annuities	 		  	 	21	  	  	 	16	  	 	 	26	  	 	 	29	  	 	 	92	  	 	 	20	  	 	 	19	  	 	 	20	  	 	 	23	  	 	 	82	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	 		  	 	119	  	  	 	111	  	 	 	79	  	 	 	85	  	 	 	394	  	 	 	73	  	 	 	92	  	 	 	64	  	 	 	105	  	 	 	334	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance Division	 		  	 	119	  	  	 	111	  	 	 	79	  	 	 	85	  	 	 	394	  	 	 	73	  	 	 	92	  	 	 	64	  	 	 	105	  	 	 	334	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Global Mortgage Insurance Division	 		  			 	  				 				 				 				 				 				 				 				 				
International Mortgage Insurance segment:	 		  			 	  				 				 				 				 				 				 				 				 				
Canada	 		  	 	44	  	  	 	41	  	 	 	43	  	 	 	42	  	 	 	170	  	 	 	114	  	 	 	42	  	 	 	41	  	 	 	37	  	 	 	234	  	
Australia	 		  	 	66	  	  	 	61	  	 	 	55	  	 	 	46	  	 	 	228	  	 	 	62	  	 	 	57	  	 	 	44	  	 	 	(21	) 	 	 	142	  	
Other Countries	 		  	 	(9	) 	  	 	(12	) 	 	 	(9	) 	 	 	(7	) 	 	 	(37	) 	 	 	(11	) 	 	 	(5	) 	 	 	(9	) 	 	 	(9	) 	 	 	(34	) 	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	 		  	 	101	  	  	 	90	  	 	 	89	  	 	 	81	  	 	 	361	  	 	 	165	  	 	 	94	  	 	 	76	  	 	 	7	  	 	 	342	  	
U.S. Mortgage Insurance segment	 		  	 	6	  	  	 	(3	) 	 	 	13	  	 	 	21	  	 	 	37	  	 	 	(32	) 	 	 	(37	) 	 	 	(25	) 	 	 	(44	) 	 	 	(138	) 	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	 		  	 	107	  	  	 	87	  	 	 	102	  	 	 	102	  	 	 	398	  	 	 	133	  	 	 	57	  	 	 	51	  	 	 	(37	) 	 	 	204	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Other Division	 		  			 	  				 				 				 				 				 				 				 				 				
International Protection segment	 		  	 	13	  	  	 	4	  	 	 	1	  	 	 	6	  	 	 	24	  	 	 	8	  	 	 	8	  	 	 	3	  	 	 	5	  	 	 	24	  	
Runoff segment	 		  	 	19	  	  	 	25	  	 	 	6	  	 	 	16	  	 	 	66	  	 	 	8	  	 	 	9	  	 	 	(6	) 	 	 	35	  	 	 	46	  	
Corporate and Other	 		  	 	(65	) 	  	 	(88	) 	 	 	(55	) 	 	 	(58	) 	 	 	(266	) 	 	 	(61	) 	 	 	(49	) 	 	 	(45	) 	 	 	(50	) 	 	 	(205	) 	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other Division	 		  	 	(33	) 	  	 	(59	) 	 	 	(48	) 	 	 	(36	) 	 	 	(176	) 	 	 	(45	) 	 	 	(32	) 	 	 	(48	) 	 	 	(10	) 	 	 	(135	) 	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 		  	 	193	  	  	 	139	  	 	 	133	  	 	 	151	  	 	 	616	  	 	 	161	  	 	 	117	  	 	 	67	  	 	 	58	  	 	 	403	  	
		 										
ADJUSTMENTS TO NET OPERATING INCOME:	 		  			 	  				 				 				 				 				 				 				 				 				
Net investment gains (losses), net of taxes and other adjustments	 		  	 	15	  	  	 	(13	) 	 	 	15	  	 	 	(28	) 	 	 	(11	) 	 	 	2	  	 	 	(2	) 	 	 	(18	) 	 	 	17	  	 	 	(1	) 	
Goodwill impairment, net of taxes	 		  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(86	) 	 	 	—  	  	 	 	—  	  	 	 	(86	) 	
Expenses related to restructuring, net of taxes	 		  	 	—  	  	  	 	—  	  	 	 	(13	) 	 	 	—  	  	 	 	(13	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Gains (losses) on early extinguishment of debt, net of taxes	 		  	 	—  	  	  	 	(20	) 	 	 	—  	  	 	 	—  	  	 	 	(20	) 	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	
Gains (losses) from life block transactions, net of taxes	 		  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(6	) 	 	 	—  	  	 	 	(41	) 	 	 	(47	) 	
Income (loss) from discontinued operations, net of taxes	 		  	 	—  	  	  	 	2	  	 	 	6	  	 	 	(20	) 	 	 	(12	) 	 	 	6	  	 	 	12	  	 	 	27	  	 	 	12	  	 	 	57	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 		  	 	208	  	  	 	108	  	 	 	141	  	 	 	103	  	 	 	560	  	 	 	168	  	 	 	35	  	 	 	76	  	 	 	46	  	 	 	325	  	
Add: net income attributable to noncontrolling interests	 		  	 	37	  	  	 	40	  	 	 	39	  	 	 	38	  	 	 	154	  	 	 	98	  	 	 	36	  	 	 	33	  	 	 	33	  	 	 	200	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME	 		  	$	245	  	  	$	148	  	 	$	180	  	 	$	141	  	 	$	714	  	 	$	266	  	 	$	71	  	 	$	109	  	 	$	79	  	 	$	525	  	

Earnings Per Share Data:	 		  				  				 				 				 				 				 				 				 				 				
				
Net income available to Genworth Financial, Inc.’s common stockholders per common share	 		  				  				
Basic	 		  	$	0.42	  	  	$	0.22	  	 	$	0.29	  	 	$	0.21	  	 	$	1.13	  	 	$	0.34	  	 	$	0.07	  	 	$	0.16	  	 	$	0.09	  	 	$	0.66	  	
Diluted	 		  	$	0.41	  	  	$	0.22	  	 	$	0.28	  	 	$	0.21	  	 	$	1.12	  	 	$	0.34	  	 	$	0.07	  	 	$	0.16	  	 	$	0.09	  	 	$	0.66	  	
												
Net operating income per common share	 		  				  				 				 				 				 				 				 				 				 				
Basic	 		  	$	0.39	  	  	$	0.28	  	 	$	0.27	  	 	$	0.31	  	 	$	1.25	  	 	$	0.33	  	 	$	0.24	  	 	$	0.14	  	 	$	0.12	  	 	$	0.82	  	
Diluted	 		  	$	0.38	  	  	$	0.28	  	 	$	0.27	  	 	$	0.30	  	 	$	1.24	  	 	$	0.33	  	 	$	0.24	  	 	$	0.14	  	 	$	0.12	  	 	$	0.82	  	
												
Weighted-average shares outstanding	 		  				  				 				 				 				 				 				 				 				 				
Basic	 		  	 	494.7	  	  	 	494.0	  	 	 	493.4	  	 	 	492.5	  	 	 	493.6	  	 	 	491.9	  	 	 	491.7	  	 	 	491.5	  	 	 	491.2	  	 	 	491.6	  	
Diluted	 		  	 	501.2	  	  	 	499.3	  	 	 	497.5	  	 	 	496.8	  	 	 	498.7	  	 	 	493.9	  	 	 	493.9	  	 	 	493.9	  	 	 	495.7	  	 	 	494.4	  	
 
9

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Consolidated Balance Sheets
(amounts in millions)

 	  	December 31,
2013	 	  	September 30,
2013	 	  	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
ASSETS	  			 	  				  				  				  				
Investments:	  			 	  				  				  				  				
Fixed maturity securities available-for-sale, at fair value	  	$	58,629	  	  	$	59,086	  	  	$	58,008	  	  	$	61,082	  	  	$	62,161	  	
Equity securities available-for-sale, at fair value	  	 	341	  	  	 	379	  	  	 	411	  	  	 	490	  	  	 	518	  	
Commercial mortgage loans	  	 	5,899	  	  	 	5,858	  	  	 	5,831	  	  	 	5,866	  	  	 	5,872	  	
Restricted commercial mortgage loans related to securitization entities	  	 	233	  	  	 	290	  	  	 	309	  	  	 	324	  	  	 	341	  	
Policy loans	  	 	1,434	  	  	 	1,668	  	  	 	1,671	  	  	 	1,606	  	  	 	1,601	  	
Other invested assets	  	 	1,686	  	  	 	1,826	  	  	 	1,976	  	  	 	2,982	  	  	 	3,493	  	
Restricted other invested assets related to securitization entities	  	 	391	  	  	 	392	  	  	 	392	  	  	 	399	  	  	 	393	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total investments	  	 	68,613	  	  	 	69,499	  	  	 	68,598	  	  	 	72,749	  	  	 	74,379	  	
Cash and cash equivalents	  	 	4,214	  	  	 	3,554	  	  	 	3,613	  	  	 	3,797	  	  	 	3,632	  	
Accrued investment income	  	 	678	  	  	 	705	  	  	 	639	  	  	 	769	  	  	 	715	  	
Deferred acquisition costs	  	 	5,278	  	  	 	5,256	  	  	 	5,237	  	  	 	5,050	  	  	 	5,036	  	
Intangible assets	  	 	399	  	  	 	404	  	  	 	433	  	  	 	346	  	  	 	366	  	
Goodwill	  	 	867	  	  	 	867	  	  	 	867	  	  	 	868	  	  	 	868	  	
Reinsurance recoverable	  	 	17,219	  	  	 	17,224	  	  	 	17,236	  	  	 	17,211	  	  	 	17,230	  	
Other assets	  	 	639	  	  	 	668	  	  	 	704	  	  	 	706	  	  	 	710	  	
Separate account assets	  	 	10,138	  	  	 	9,957	  	  	 	9,806	  	  	 	10,140	  	  	 	9,937	  	
Assets associated with discontinued operations (1)	  	 	—  	  	  	 	—  	  	  	 	443	  	  	 	439	  	  	 	439	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total assets	  	$	108,045	  	  	$	108,134	  	  	$	107,576	  	  	$	112,075	  	  	$	113,312	  	

 

(1)  	The assets associated with discontinued operations prior to the sale on August 30, 2013 were segregated in the consolidated balance sheets. The major assets categories for discontinued operations were as follows:	

 	  	December 31,
2013	 	  	September 30,
2013	 	  	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
ASSETS	  				  				  				  				  				
Other invested assets	  	$	—  	  	  	$	—  	  	  	$	10	  	  	$	10	  	  	$	10	  	
Cash and cash equivalents	  	 	—  	  	  	 	—  	  	  	 	24	  	  	 	22	  	  	 	21	  	
Intangible assets	  	 	—  	  	  	 	—  	  	  	 	118	  	  	 	116	  	  	 	115	  	
Goodwill	  	 	—  	  	  	 	—  	  	  	 	247	  	  	 	247	  	  	 	260	  	
Other assets	  	 	—  	  	  	 	—  	  	  	 	44	  	  	 	44	  	  	 	33	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Assets associated with discontinued operations	  	$	—  	  	  	$	—  	  	  	$	443	  	  	$	439	  	  	$	439	  	

10

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Consolidated Balance Sheets
(amounts in millions)

 	  	December 31,
2013	 	  	September 30,
2013	 	 	June 30,
2013	 	 	March 31,
2013	 	 	December 31,
2012	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  			 	  				 				 				 				
Liabilities:	  			 	  				 				 				 				
Future policy benefits	  	$	33,705	  	  	$	33,612	  	 	$	33,437	  	 	$	33,601	  	 	$	33,505	  	
Policyholder account balances	  	 	25,528	  	  	 	25,266	  	 	 	24,935	  	 	 	25,886	  	 	 	26,262	  	
Liability for policy and contract claims	  	 	7,204	  	  	 	7,271	  	 	 	7,302	  	 	 	7,343	  	 	 	7,509	  	
Unearned premiums	  	 	4,107	  	  	 	4,160	  	 	 	4,022	  	 	 	4,193	  	 	 	4,333	  	
Other liabilities	  	 	4,096	  	  	 	4,607	  	 	 	4,629	  	 	 	5,028	  	 	 	5,239	  	
Borrowings related to securitization entities	  	 	242	  	  	 	297	  	 	 	317	  	 	 	329	  	 	 	336	  	
Non-recourse funding obligations	  	 	2,038	  	  	 	2,046	  	 	 	2,054	  	 	 	2,062	  	 	 	2,066	  	
Long-term borrowings	  	 	5,161	  	  	 	4,780	  	 	 	4,720	  	 	 	4,766	  	 	 	4,776	  	
Deferred tax liability	  	 	166	  	  	 	293	  	 	 	369	  	 	 	1,132	  	 	 	1,507	  	
Separate account liabilities	  	 	10,138	  	  	 	9,957	  	 	 	9,806	  	 	 	10,140	  	 	 	9,937	  	
Liabilities associated with discontinued operations (1)	  	 	—  	  	  	 	—  	  	 	 	83	  	 	 	86	  	 	 	61	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	92,385	  	  	 	92,289	  	 	 	91,674	  	 	 	94,566	  	 	 	95,531	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  			 	  				 				 				 				
Common stock	  	 	1	  	  	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	
Additional paid-in capital	  	 	12,167	  	  	 	12,149	  	 	 	12,139	  	 	 	12,131	  	 	 	12,127	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  			 	  				 				 				 				
Net unrealized investment gains (losses):	  			 	  				 				 				 				
Net unrealized gains on securities not other-than-temporarily impaired	  	 	914	  	  	 	1,106	  	 	 	1,296	  	 	 	2,471	  	 	 	2,692	  	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	12	  	  	 	3	  	 	 	(2	) 	 	 	(28	) 	 	 	(54	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	926	  	  	 	1,109	  	 	 	1,294	  	 	 	2,443	  	 	 	2,638	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	1,319	  	  	 	1,442	  	 	 	1,581	  	 	 	1,799	  	 	 	1,909	  	
Foreign currency translation and other adjustments	  	 	297	  	  	 	388	  	 	 	267	  	 	 	582	  	 	 	655	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total accumulated other comprehensive income	  	 	2,542	  	  	 	2,939	  	 	 	3,142	  	 	 	4,824	  	 	 	5,202	  	
Retained earnings	  	 	2,423	  	  	 	2,215	  	 	 	2,107	  	 	 	1,966	  	 	 	1,863	  	
Treasury stock, at cost	  	 	(2,700	) 	  	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	14,433	  	  	 	14,604	  	 	 	14,689	  	 	 	16,222	  	 	 	16,493	  	
Noncontrolling interests	  	 	1,227	  	  	 	1,241	  	 	 	1,213	  	 	 	1,287	  	 	 	1,288	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	15,660	  	  	 	15,845	  	 	 	15,902	  	 	 	17,509	  	 	 	17,781	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	108,045	  	  	$	108,134	  	 	$	107,576	  	 	$	112,075	  	 	$	113,312	  	

 

(1)	The liabilities associated with discontinued operations prior to the sale on August 30, 2013 were segregated in the consolidated balance sheets. The major liability categories for discontinued operations were as follows:	

 	  	December 31,
2013	 	  	September 30,
2013	 	  	June 30,
2013	 	  	March 31,
2013	 	  	December 31,
2012	 	
LIABILITIES	  				  				  				  				  				
Other liabilities	  	$	—  	  	  	$	—  	  	  	$	67	  	  	$	70	  	  	$	48	  	
Deferred tax liability	  	 	—  	  	  	 	—  	  	  	 	16	  	  	 	16	  	  	 	13	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Liabilities associated with discontinued operations	  	$	—  	  	  	$	—  	  	  	$	83	  	  	$	86	  	  	$	61	  	

 
11

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Consolidated Balance Sheet by Segment
(amounts in millions)

	  	 	December 31, 2013	  	
 	  	U.S. Life
Insurance	 	  	International
Mortgage
Insurance	 	  	U.S. Mortgage
Insurance	 	 	International
Protection	 	  	Runoff	 	 	Corporate
and  Other (1) 	 	 	Total	 	
ASSETS	  				  				  				 				  				 				 				
Cash and investments	  	$	55,027	  	  	$	8,895	  	  	$	2,255	  	 	$	1,635	  	  	$	2,672	  	 	$	3,021	  	 	$	73,505	  	
Deferred acquisition costs and intangible assets	  	 	5,687	  	  	 	189	  	  	 	19	  	 	 	268	  	  	 	357	  	 	 	24	  	 	 	6,544	  	
Reinsurance recoverable	  	 	16,245	  	  	 	20	  	  	 	51	  	 	 	28	  	  	 	875	  	 	 	—  	  	 	 	17,219	  	
Deferred tax and other assets	  	 	302	  	  	 	90	  	  	 	36	  	 	 	130	  	  	 	20	  	 	 	61	  	 	 	639	  	
Separate account assets	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	10,138	  	 	 	—  	  	 	 	10,138	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total assets	  	$	77,261	  	  	$	9,194	  	  	$	2,361	  	 	$	2,061	  	  	$	14,062	  	 	$	3,106	  	 	$	108,045	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  				  				  				 				  				 				 				
Liabilities:	  				  				  				 				  				 				 				
Future policy benefits	  	$	33,700	  	  	$	—  	  	  	$	—  	  	 	$	—  	  	  	$	5	  	 	$	—  	  	 	$	33,705	  	
Policyholder account balances	  	 	22,210	  	  	 	—  	  	  	 	—  	  	 	 	16	  	  	 	3,302	  	 	 	—  	  	 	 	25,528	  	
Liability for policy and contract claims	  	 	5,216	  	  	 	378	  	  	 	1,482	  	 	 	108	  	  	 	20	  	 	 	—  	  	 	 	7,204	  	
Unearned premiums	  	 	632	  	  	 	2,815	  	  	 	129	  	 	 	522	  	  	 	9	  	 	 	—  	  	 	 	4,107	  	
Non-recourse funding obligations	  	 	2,068	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	(30	) 	 	 	2,038	  	
Deferred tax and other liabilities	  	 	3,950	  	  	 	385	  	  	 	(818	) 	 	 	410	  	  	 	(50	) 	 	 	385	  	 	 	4,262	  	
Borrowings and capital securities	  	 	—  	  	  	 	525	  	  	 	—  	  	 	 	—  	  	  	 	12	  	 	 	4,866	  	 	 	5,403	  	
Separate account liabilities	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	10,138	  	 	 	—  	  	 	 	10,138	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	67,776	  	  	 	4,103	  	  	 	793	  	 	 	1,056	  	  	 	13,436	  	 	 	5,221	  	 	 	92,385	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  				  				  				 				  				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	  	 	7,380	  	  	 	3,468	  	  	 	1,570	  	 	 	940	  	  	 	656	  	 	 	(2,123	) 	 	 	11,891	  	
Allocated accumulated other comprehensive income (loss)	  	 	2,105	  	  	 	396	  	  	 	(2	) 	 	 	65	  	  	 	(30	) 	 	 	8	  	 	 	2,542	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	9,485	  	  	 	3,864	  	  	 	1,568	  	 	 	1,005	  	  	 	626	  	 	 	(2,115	) 	 	 	14,433	  	
Noncontrolling interests	  	 	—  	  	  	 	1,227	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	1,227	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	9,485	  	  	 	5,091	  	  	 	1,568	  	 	 	1,005	  	  	 	626	  	 	 	(2,115	) 	 	 	15,660	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	77,261	  	  	$	9,194	  	  	$	2,361	  	 	$	2,061	  	  	$	14,062	  	 	$	3,106	  	 	$	108,045	  	

 

(1)  	Includes inter-segment eliminations and non-core products.	
 
12

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Consolidated Balance Sheet by Segment
(amounts in millions)

 	  	September 30, 2013	 	
 	  	U.S. Life
Insurance	 	  	International
Mortgage
Insurance	 	  	U.S. Mortgage
Insurance	 	 	International
Protection	 	  	Runoff	 	 	Corporate and
Other (1) 	 	 	Total	 	
ASSETS	  				  				  				 				  				 				 				
Cash and investments	  	$	54,853	  	  	$	9,100	  	  	$	1,922	  	 	$	1,661	  	  	$	2,846	  	 	$	3,376	  	 	$	73,758	  	
Deferred acquisition costs and intangible assets	  	 	5,646	  	  	 	205	  	  	 	20	  	 	 	264	  	  	 	384	  	 	 	8	  	 	 	6,527	  	
Reinsurance recoverable	  	 	16,227	  	  	 	20	  	  	 	58	  	 	 	29	  	  	 	890	  	 	 	—  	  	 	 	17,224	  	
Deferred tax and other assets	  	 	268	  	  	 	99	  	  	 	43	  	 	 	141	  	  	 	61	  	 	 	56	  	 	 	668	  	
Separate account assets	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	9,957	  	 	 	—  	  	 	 	9,957	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total assets	  	$	76,994	  	  	$	9,424	  	  	$	2,043	  	 	$	2,095	  	  	$	14,138	  	 	$	3,440	  	 	$	108,134	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  				  				  				 				  				 				 				
Liabilities:	  				  				  				 				  				 				 				
Future policy benefits	  	$	 33,607	  	  	$	—  	  	  	$	—  	  	 	$	—  	  	  	$	5	  	 	$	—  	  	 	$	33,612	  	
Policyholder account balances	  	 	21,732	  	  	 	—  	  	  	 	—  	  	 	 	16	  	  	 	3,518	  	 	 	—  	  	 	 	25,266	  	
Liability for policy and contract claims	  	 	5,108	  	  	 	451	  	  	 	1,587	  	 	 	107	  	  	 	18	  	 	 	—  	  	 	 	7,271	  	
Unearned premiums	  	 	617	  	  	 	2,887	  	  	 	123	  	 	 	524	  	  	 	9	  	 	 	—  	  	 	 	4,160	  	
Non-recourse funding obligations	  	 	2,076	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	(30	) 	 	 	2,046	  	
Deferred tax and other liabilities	  	 	4,250	  	  	 	334	  	  	 	(829	) 	 	 	463	  	  	 	(83	) 	 	 	765	  	 	 	4,900	  	
Borrowings and capital securities	  	 	—  	  	  	 	544	  	  	 	—  	  	 	 	—  	  	  	 	11	  	 	 	4,522	  	 	 	5,077	  	
Separate account liabilities	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	  	 	9,957	  	 	 	—  	  	 	 	9,957	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	67,390	  	  	 	4,216	  	  	 	881	  	 	 	1,110	  	  	 	13,435	  	 	 	5,257	  	 	 	92,289	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  				  				  				 				  				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	  	 	7,185	  	  	 	3,436	  	  	 	1,160	  	 	 	937	  	  	 	738	  	 	 	(1,791	) 	 	 	11,665	  	
Allocated accumulated other comprehensive income (loss)	  	 	2,419	  	  	 	531	  	  	 	2	  	 	 	48	  	  	 	(35	) 	 	 	(26	) 	 	 	2,939	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	9,604	  	  	 	3,967	  	  	 	1,162	  	 	 	985	  	  	 	703	  	 	 	(1,817	) 	 	 	14,604	  	
Noncontrolling interests	  	 	—  	  	  	 	1,241	  	  	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	1,241	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	9,604	  	  	 	5,208	  	  	 	1,162	  	 	 	985	  	  	 	703	  	 	 	(1,817	) 	 	 	15,845	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	76,994	  	  	$	9,424	  	  	$	2,043	  	 	$	2,095	  	  	$	14,138	  	 	$	3,440	  	 	$	108,134	  	

 

(1)  	Includes inter-segment eliminations and non-core products.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Deferred Acquisition Costs Rollforward
(amounts in millions)

 	 	U.S. Life
Insurance (1) 	 	 	International
Mortgage
Insurance	 	 	U.S. Mortgage
Insurance	 	 	International
Protection	 	 	Runoff (2) 	 	 	Corporate and
Other	 	 	Total	 	
Unamortized balance as of September 30, 2013	 	$	4,689	  	 	$	156	  	 	$	12	  	 	$	239	  	 	$	343	  	 	$	—  	  	 	$	5,439	  	
Costs deferred	 	 	88	  	 	 	12	  	 	 	1	  	 	 	24	  	 	 	—  	  	 	 	—  	  	 	 	125	  	
Amortization, net of interest accretion	 	 	(64	) 	 	 	(10	) 	 	 	(1	) 	 	 	(23	) 	 	 	(9	) 	 	 	—  	  	 	 	(107	) 	
Impact of foreign currency translation	 	 	—  	  	 	 	(6	) 	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Unamortized balance as of December 31, 2013	 	 	4,713	  	 	 	152	  	 	 	12	  	 	 	243	  	 	 	334	  	 	 	—  	  	 	 	5,454	  	
Effect of accumulated net unrealized investment (gains) losses	 	 	(176	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(176	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Balance as of December 31, 2013	 	$	4,537	  	 	$	152	  	 	$	12	  	 	$	243	  	 	$	334	  	 	$	—  	  	 	$	5,278	  	

(1)  	Amortization, net of interest accretion, included $1 million of amortization related to net investment gains for the policyholder account balances.	
(2)  	Amortization, net of interest accretion, included $2 million of amortization related to net investment losses for the policyholder account balances.	
 
14

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U.S. Life Insurance Division
 
15

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Net Operating Income—U.S. Life Insurance Division
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	761	  	 	$	751	  	 	$	738	  	 	$	707	  	 	$	2,957	  	 	$	759	  	 	$	754	  	 	$	733	  	 	$	543	  	 	$	2,789	  	
Net investment income	  	 	675	  	 	 	650	  	 	 	658	  	 	 	638	  	 	 	2,621	  	 	 	661	  	 	 	644	  	 	 	651	  	 	 	638	  	 	 	2,594	  	
Net investment gains (losses)	  	 	(2	) 	 	 	(6	) 	 	 	17	  	 	 	(12	) 	 	 	(3	) 	 	 	8	  	 	 	7	  	 	 	(21	) 	 	 	(2	) 	 	 	(8	) 	
Insurance and investment product fees and other	  	 	185	  	 	 	192	  	 	 	190	  	 	 	188	  	 	 	755	  	 	 	199	  	 	 	221	  	 	 	192	  	 	 	263	  	 	 	875	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	1,619	  	 	 	1,587	  	 	 	1,603	  	 	 	1,521	  	 	 	6,330	  	 	 	1,627	  	 	 	1,626	  	 	 	1,555	  	 	 	1,442	  	 	 	6,250	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	1,036	  	 	 	924	  	 	 	1,041	  	 	 	974	  	 	 	3,975	  	 	 	1,075	  	 	 	1,051	  	 	 	1,038	  	 	 	786	  	 	 	3,950	  	
Interest credited	  	 	156	  	 	 	156	  	 	 	155	  	 	 	152	  	 	 	619	  	 	 	161	  	 	 	160	  	 	 	160	  	 	 	162	  	 	 	643	  	
Acquisition and operating expenses, net of deferrals	  	 	164	  	 	 	154	  	 	 	177	  	 	 	163	  	 	 	658	  	 	 	169	  	 	 	170	  	 	 	169	  	 	 	169	  	 	 	677	  	
Amortization of deferred acquisition costs and intangibles	  	 	78	  	 	 	139	  	 	 	80	  	 	 	87	  	 	 	384	  	 	 	78	  	 	 	94	  	 	 	82	  	 	 	223	  	 	 	477	  	
Interest expense	  	 	25	  	 	 	25	  	 	 	24	  	 	 	23	  	 	 	97	  	 	 	26	  	 	 	24	  	 	 	24	  	 	 	12	  	 	 	86	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,459	  	 	 	1,398	  	 	 	1,477	  	 	 	1,399	  	 	 	5,733	  	 	 	1,509	  	 	 	1,499	  	 	 	1,473	  	 	 	1,352	  	 	 	5,833	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	160	  	 	 	189	  	 	 	126	  	 	 	122	  	 	 	597	  	 	 	118	  	 	 	127	  	 	 	82	  	 	 	90	  	 	 	417	  	
Provision for income taxes	  	 	40	  	 	 	82	  	 	 	46	  	 	 	45	  	 	 	213	  	 	 	40	  	 	 	42	  	 	 	29	  	 	 	32	  	 	 	143	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	120	  	 	 	107	  	 	 	80	  	 	 	77	  	 	 	384	  	 	 	78	  	 	 	85	  	 	 	53	  	 	 	58	  	 	 	274	  	
	 										
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	 	 	4	  	 	 	(10	) 	 	 	8	  	 	 	1	  	 	 	(2	) 	 	 	1	  	 	 	11	  	 	 	6	  	 	 	16	  	
(Gains) losses from life block transactions, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	41	  	 	 	47	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 				 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	119	  	 	$	111	  	 	$	79	  	 	$	85	  	 	$	394	  	 	$	73	  	 	$	92	  	 	$	64	  	 	$	105	  	 	$	334	  	

Effective tax rate (operating income) (1)	  	 	25.3	% 	 	 	43.0	% 	 	 	37.1	% 	 	 	36.4	% 	 	 	35.7	% 	 	 	32.6	% 	 	 	32.6	% 	 	 	36.1	% 	 	 	35.4	% 	 	 	34.2	% 	

(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.	

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income—U.S. Life Insurance Division
(amounts in millions)

   	  	U.S. Life Insurance Segment	 	 	 	 	
Three months ended December 31, 2013	  	Life Insurance	 	 	Long-Term Care
Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	164	  	 	$	582	  	 	$	15	  	 	$	761	  	 	$	761	  	
Net investment income	  	 	139	  	 	 	291	  	 	 	245	  	 	 	675	  	 	 	675	  	
Net investment gains (losses)	  	 	8	  	 	 	(4	) 	 	 	(6	) 	 	 	(2	) 	 	 	(2	) 	
Insurance and investment product fees and other	  	 	183	  	 	 	—  	  	 	 	2	  	 	 	185	  	 	 	185	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	494	  	 	 	869	  	 	 	256	  	 	 	1,619	  	 	 	1,619	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	241	  	 	 	701	  	 	 	94	  	 	 	1,036	  	 	 	1,036	  	
Interest credited	  	 	66	  	 	 	—  	  	 	 	90	  	 	 	156	  	 	 	156	  	
Acquisition and operating expenses, net of deferrals	  	 	47	  	 	 	94	  	 	 	23	  	 	 	164	  	 	 	164	  	
Amortization of deferred acquisition costs and intangibles	  	 	31	  	 	 	27	  	 	 	20	  	 	 	78	  	 	 	78	  	
Interest expense	  	 	25	  	 	 	—  	  	 	 	—  	  	 	 	25	  	 	 	25	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	410	  	 	 	822	  	 	 	227	  	 	 	1,459	  	 	 	1,459	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	84	  	 	 	47	  	 	 	29	  	 	 	160	  	 	 	160	  	
Provision for income taxes	  	 	22	  	 	 	8	  	 	 	10	  	 	 	40	  	 	 	40	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	62	  	 	 	39	  	 	 	19	  	 	 	120	  	 	 	120	  	
					 	
ADJUSTMENT TO INCOME FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(6	) 	 	 	3	  	 	 	2	  	 	 	(1	) 	 	 	(1	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	56	  	 	$	42	  	 	$	21	  	 	$	119	  	 	$	119	  	

						
Effective tax rate (operating income)	  	 	25.6	% 	 	 	19.8	% 	 	 	33.6	% 	 	 	25.3	% 	 	 	25.3	% 	

   	  	U.S. Life Insurance Segment	 	 	 	 	
Three months ended December 31, 2012	  	Life Insurance	 	 	Long-Term Care
Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	177	  	 	$	552	  	 	$	30	  	 	$	759	  	 	$	759	  	
Net investment income	  	 	137	  	 	 	273	  	 	 	251	  	 	 	661	  	 	 	661	  	
Net investment gains (losses)	  	 	10	  	 	 	1	  	 	 	(3	) 	 	 	8	  	 	 	8	  	
Insurance and investment product fees and other	  	 	198	  	 	 	—  	  	 	 	1	  	 	 	199	  	 	 	199	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	522	  	 	 	826	  	 	 	279	  	 	 	1,627	  	 	 	1,627	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	264	  	 	 	694	  	 	 	117	  	 	 	1,075	  	 	 	1,075	  	
Interest credited	  	 	69	  	 	 	—  	  	 	 	92	  	 	 	161	  	 	 	161	  	
Acquisition and operating expenses, net of deferrals	  	 	44	  	 	 	105	  	 	 	20	  	 	 	169	  	 	 	169	  	
Amortization of deferred acquisition costs and intangibles	  	 	35	  	 	 	17	  	 	 	26	  	 	 	78	  	 	 	78	  	
Interest expense	  	 	25	  	 	 	1	  	 	 	—  	  	 	 	26	  	 	 	26	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	437	  	 	 	817	  	 	 	255	  	 	 	1,509	  	 	 	1,509	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	85	  	 	 	9	  	 	 	24	  	 	 	118	  	 	 	118	  	
Provision for income taxes	  	 	30	  	 	 	1	  	 	 	9	  	 	 	40	  	 	 	40	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	55	  	 	 	8	  	 	 	15	  	 	 	78	  	 	 	78	  	
					 	
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(6	) 	 	 	(1	) 	 	 	5	  	 	 	(2	) 	 	 	(2	) 	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	(3	) 	 	 	(3	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	46	  	 	$	7	  	 	$	20	  	 	$	73	  	 	$	73	  	

						
Effective tax rate (operating income)	  	 	34.9	% 	 	 	2.1	% 	 	 	35.1	% 	 	 	32.6	% 	 	 	32.6	% 	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income—U.S. Life Insurance Division
(amounts in millions)

   	  	U.S. Life Insurance Segment	 	 	 	 	
Twelve months ended December 31, 2013	  	Life Insurance	 	 	Long-Term Care
Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	684	  	 	$	2,209	  	 	$	64	  	 	$	2,957	  	 	$	2,957	  	
Net investment income	  	 	541	  	 	 	1,114	  	 	 	966	  	 	 	2,621	  	 	 	2,621	  	
Net investment gains (losses)	  	 	13	  	 	 	(11	) 	 	 	(5	) 	 	 	(3	) 	 	 	(3	) 	
Insurance and investment product fees and other	  	 	744	  	 	 	4	  	 	 	7	  	 	 	755	  	 	 	755	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	1,982	  	 	 	3,316	  	 	 	1,032	  	 	 	6,330	  	 	 	6,330	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	945	  	 	 	2,651	  	 	 	379	  	 	 	3,975	  	 	 	3,975	  	
Interest credited	  	 	266	  	 	 	—  	  	 	 	353	  	 	 	619	  	 	 	619	  	
Acquisition and operating expenses, net of deferrals	  	 	194	  	 	 	385	  	 	 	79	  	 	 	658	  	 	 	658	  	
Amortization of deferred acquisition costs and intangibles	  	 	192	  	 	 	107	  	 	 	85	  	 	 	384	  	 	 	384	  	
Interest expense	  	 	97	  	 	 	—  	  	 	 	—  	  	 	 	97	  	 	 	97	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,694	  	 	 	3,143	  	 	 	896	  	 	 	5,733	  	 	 	5,733	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	288	  	 	 	173	  	 	 	136	  	 	 	597	  	 	 	597	  	
Provision for income taxes	  	 	108	  	 	 	57	  	 	 	48	  	 	 	213	  	 	 	213	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	180	  	 	 	116	  	 	 	88	  	 	 	384	  	 	 	384	  	
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(9	) 	 	 	7	  	 	 	3	  	 	 	1	  	 	 	1	  	
Expenses related to restructuring, net of taxes	  	 	2	  	 	 	6	  	 	 	1	  	 	 	9	  	 	 	9	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	173	  	 	$	129	  	 	$	92	  	 	$	394	  	 	$	394	  	

						
Effective tax rate (operating income)	  	 	37.6	% 	 	 	33.3	% 	 	 	35.3	% 	 	 	35.7	% 	 	 	35.7	% 	

   	  	U.S. Life Insurance Segment	 	 	 	 	
Twelve months ended December 31, 2012	  	Life Insurance	 	 	Long-Term Care
Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	542	  	 	$	2,143	  	 	$	104	  	 	$	2,789	  	 	$	2,789	  	
Net investment income	  	 	525	  	 	 	1,060	  	 	 	1,009	  	 	 	2,594	  	 	 	2,594	  	
Net investment gains (losses)	  	 	(6	) 	 	 	—  	  	 	 	(2	) 	 	 	(8	) 	 	 	(8	) 	
Insurance and investment product fees and other	  	 	865	  	 	 	4	  	 	 	6	  	 	 	875	  	 	 	875	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	1,926	  	 	 	3,207	  	 	 	1,117	  	 	 	6,250	  	 	 	6,250	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	923	  	 	 	2,574	  	 	 	453	  	 	 	3,950	  	 	 	3,950	  	
Interest credited	  	 	265	  	 	 	—  	  	 	 	378	  	 	 	643	  	 	 	643	  	
Acquisition and operating expenses, net of deferrals	  	 	205	  	 	 	399	  	 	 	73	  	 	 	677	  	 	 	677	  	
Amortization of deferred acquisition costs and intangibles	  	 	293	  	 	 	82	  	 	 	102	  	 	 	477	  	 	 	477	  	
Interest expense	  	 	84	  	 	 	2	  	 	 	—  	  	 	 	86	  	 	 	86	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,770	  	 	 	3,057	  	 	 	1,006	  	 	 	5,833	  	 	 	5,833	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	156	  	 	 	150	  	 	 	111	  	 	 	417	  	 	 	417	  	
Provision for income taxes	  	 	54	  	 	 	49	  	 	 	40	  	 	 	143	  	 	 	143	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	102	  	 	 	101	  	 	 	71	  	 	 	274	  	 	 	274	  	
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	5	  	 	 	—  	  	 	 	11	  	 	 	16	  	 	 	16	  	
(Gains) losses from life block transactions, net of taxes	  	 	47	  	 	 	—  	  	 	 	—  	  	 	 	47	  	 	 	47	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	(3	) 	 	 	(3	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	151	  	 	$	101	  	 	$	82	  	 	$	334	  	 	$	334	  	

						
Effective tax rate (operating income)	  	 	34.6	% 	 	 	32.6	% 	 	 	35.3	% 	 	 	34.2	% 	 	 	34.2	% 	
 
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U.S. Life Insurance Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Life Insurance
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				
Premiums	  	$	164	  	 	$	166	  	 	$	173	  	 	$	181	  	 	$	684	  	 	$	177	  	 	$	187	  	 	$	189	  	 	$	(11	) 	 	$	542	  	
Net investment income	  	 	139	  	 	 	138	  	 	 	133	  	 	 	131	  	 	 	541	  	 	 	137	  	 	 	129	  	 	 	130	  	 	 	129	  	 	 	525	  	
Net investment gains (losses)	  	 	8	  	 	 	—  	  	 	 	9	  	 	 	(4	) 	 	 	13	  	 	 	10	  	 	 	(2	) 	 	 	(9	) 	 	 	(5	) 	 	 	(6	) 	
Insurance and investment product fees and other	  	 	183	  	 	 	188	  	 	 	187	  	 	 	186	  	 	 	744	  	 	 	198	  	 	 	219	  	 	 	188	  	 	 	260	  	 	 	865	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	494	  	 	 	492	  	 	 	502	  	 	 	494	  	 	 	1,982	  	 	 	522	  	 	 	533	  	 	 	498	  	 	 	373	  	 	 	1,926	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	241	  	 	 	160	  	 	 	280	  	 	 	264	  	 	 	945	  	 	 	264	  	 	 	313	  	 	 	281	  	 	 	65	  	 	 	923	  	
Interest credited	  	 	66	  	 	 	68	  	 	 	68	  	 	 	64	  	 	 	266	  	 	 	69	  	 	 	66	  	 	 	65	  	 	 	65	  	 	 	265	  	
Acquisition and operating expenses, net of deferrals	  	 	47	  	 	 	47	  	 	 	50	  	 	 	50	  	 	 	194	  	 	 	44	  	 	 	51	  	 	 	55	  	 	 	55	  	 	 	205	  	
Amortization of deferred acquisition costs and intangibles	  	 	31	  	 	 	88	  	 	 	33	  	 	 	40	  	 	 	192	  	 	 	35	  	 	 	49	  	 	 	37	  	 	 	172	  	 	 	293	  	
Interest expense	  	 	25	  	 	 	25	  	 	 	24	  	 	 	23	  	 	 	97	  	 	 	25	  	 	 	24	  	 	 	23	  	 	 	12	  	 	 	84	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	410	  	 	 	388	  	 	 	455	  	 	 	441	  	 	 	1,694	  	 	 	437	  	 	 	503	  	 	 	461	  	 	 	369	  	 	 	1,770	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	84	  	 	 	104	  	 	 	47	  	 	 	53	  	 	 	288	  	 	 	85	  	 	 	30	  	 	 	37	  	 	 	4	  	 	 	156	  	
Provision for income taxes	  	 	22	  	 	 	50	  	 	 	16	  	 	 	20	  	 	 	108	  	 	 	30	  	 	 	10	  	 	 	13	  	 	 	1	  	 	 	54	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	62	  	 	 	54	  	 	 	31	  	 	 	33	  	 	 	180	  	 	 	55	  	 	 	20	  	 	 	24	  	 	 	3	  	 	 	102	  	
	 							
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  			 	 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(6	) 	 	 	—  	  	 	 	(6	) 	 	 	3	  	 	 	(9	) 	 	 	(6	) 	 	 	2	  	 	 	6	  	 	 	3	  	 	 	5	  	
(Gains) losses from life block transactions, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	6 	(1)  	 	 	—  	  	 	 	41 	(2)  	 	 	47	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	56	  	 	$	54	  	 	$	27	  	 	$	36	  	 	$	173	  	 	$	46	  	 	$	28	  	 	$	30	  	 	$	47	  	 	$	151	  	

Effective tax rate (operating income)	  	 	25.6	% 	 	 	47.5	% 	 	 	34.4	% 	 	 	37.6	% 	 	 	37.6	% 	 	 	34.9	% 	 	 	33.3	% 	 	 	35.7	% 	 	 	34.4	% 	 	 	34.6	% 	
								
SALES:	  				 				 				 				 				 				 				
Sales by Product:	  				 				 				 				 				 				 				
Term Life	  	$	9	  	 	$	5	  	 	$	4	  	 	$	4	  	 	$	22	  	 	$	—  	  	 	$	1	  	 	$	—  	  	 	$	—  	  	 	$	1	  	
Term Universal Life	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	11	  	 	 	19	  	 	 	32	  	 	 	31	  	 	 	93	  	
Universal Life	  	 	5	  	 	 	5	  	 	 	5	  	 	 	9	  	 	 	24	  	 	 	17	  	 	 	15	  	 	 	19	  	 	 	16	  	 	 	67	  	
Linked-Benefits	  	 	3	  	 	 	2	  	 	 	3	  	 	 	2	  	 	 	10	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	12	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	17	  	 	$	12	  	 	$	12	  	 	$	16	  	 	$	57	  	 	$	31	  	 	$	38	  	 	$	54	  	 	$	50	  	 	$	173	  	

Sales by Distribution Channel:	  			 	 				 				 				 				 				 				 				 				
Financial Intermediaries	  	$	1	  	 	$	—  	  	 	$	1	  	 	$	1	  	 	$	3	  	 	$	1	  	 	$	2	  	 	$	1	  	 	$	2	  	 	$	6	  	
Independent Producers	  	 	16	  	 	 	12	  	 	 	10	  	 	 	15	  	 	 	53	  	 	 	30	  	 	 	35	  	 	 	52	  	 	 	48	  	 	 	165	  	
Dedicated Sales Specialist	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	2	  	

Total Sales	  	$	17	  	 	$	12	  	 	$	12	  	 	$	16	  	 	$	57	  	 	$	31	  	 	$	38	  	 	$	54	  	 	$	50	  	 	$	173	  	

  

(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 deferred acquisition costs (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 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
FOURTH QUARTER 2013
 
Life Insurance In-Force
(amounts in millions)

 	  	2013	 	  	2012	 	
 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	
Term and Whole Life Insurance	  			 	  				  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	336,015	  	  	$	335,039	  	  	$	336,008	  	  	$	338,014	  	  	$	340,394	  	  	$	382,735	  	  	$	387,333	  	  	$	391,870	  	
Life insurance in-force before reinsurance	  	$	523,694	  	  	$	525,171	  	  	$	528,874	  	  	$	534,194	  	  	$	539,317	  	  	$	546,829	  	  	$	554,019	  	  	$	561,186	  	
	 								
Term Universal Life Insurance	  			 	  				  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	132,293	  	  	$	133,500	  	  	$	134,868	  	  	$	136,222	  	  	$	137,359	  	  	$	133,846	  	  	$	119,687	  	  	$	112,906	  	
Life insurance in-force before reinsurance	  	$	133,348	  	  	$	134,555	  	  	$	135,937	  	  	$	137,297	  	  	$	138,436	  	  	$	134,921	  	  	$	127,640	  	  	$	113,737	  	
	 								
Universal Life Insurance	  			 	  				  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	43,150	  	  	$	43,447	  	  	$	43,773	  	  	$	44,051	  	  	$	44,129	  	  	$	43,523	  	  	$	43,232	  	  	$	42,734	  	
Life insurance in-force before reinsurance	  	$	49,790	  	  	$	50,203	  	  	$	50,558	  	  	$	50,906	  	  	$	50,954	  	  	$	50,364	  	  	$	50,083	  	  	$	49,527	  	
	 								
Total Life Insurance	  			 	  				  				  				  				  				  				  				
Life insurance in-force, net of reinsurance	  	$	511,458	  	  	$	511,986	  	  	$	514,649	  	  	$	518,287	  	  	$	521,882	  	  	$	560,104	  	  	$	550,252	  	  	$	547,510	  	
Life insurance in-force before reinsurance	  	$	706,832	  	  	$	709,929	  	  	$	715,369	  	  	$	722,397	  	  	$	728,707	  	  	$	732,114	  	  	$	731,742	  	  	$	724,450	  	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Long-Term Care Insurance
(amounts in millions)

 	 	2013	 	 	2012	 	
 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				
Premiums	 	$	582	  	 	$	564	  	 	$	550	  	 	$	513	  	 	$	2,209	  	 	$	552	  	 	$	541	  	 	$	529	  	 	$	521	  	 	$	2,143	  	
Net investment income	 	 	291	  	 	 	282	  	 	 	277	  	 	 	264	  	 	 	1,114	  	 	 	273	  	 	 	266	  	 	 	266	  	 	 	255	  	 	 	1,060	  	
Net investment gains (losses)	 	 	(4	) 	 	 	(2	) 	 	 	(2	) 	 	 	(3	) 	 	 	(11	) 	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	(2	) 	 	 	—  	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	2	  	 	 	1	  	 	 	1	  	 	 	4	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	4	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	869	  	 	 	846	  	 	 	826	  	 	 	775	  	 	 	3,316	  	 	 	826	  	 	 	809	  	 	 	797	  	 	 	775	  	 	 	3,207	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	701	  	 	 	659	  	 	 	663	  	 	 	628	  	 	 	2,651	  	 	 	694	  	 	 	625	  	 	 	654	  	 	 	601	  	 	 	2,574	  	
Interest credited	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	 	 	94	  	 	 	90	  	 	 	107	  	 	 	94	  	 	 	385	  	 	 	105	  	 	 	100	  	 	 	96	  	 	 	98	  	 	 	399	  	
Amortization of deferred acquisition costs and intangibles	 	 	27	  	 	 	31	  	 	 	24	  	 	 	25	  	 	 	107	  	 	 	17	  	 	 	19	  	 	 	24	  	 	 	22	  	 	 	82	  	
Interest expense	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	822	  	 	 	780	  	 	 	794	  	 	 	747	  	 	 	3,143	  	 	 	817	  	 	 	744	  	 	 	775	  	 	 	721	  	 	 	3,057	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
I NCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	47	  	 	 	66	  	 	 	32	  	 	 	28	  	 	 	173	  	 	 	9	  	 	 	65	  	 	 	22	  	 	 	54	  	 	 	150	  	
Provision for income taxes	 	 	8	  	 	 	26	  	 	 	13	  	 	 	10	  	 	 	57	  	 	 	1	  	 	 	20	  	 	 	8	  	 	 	20	  	 	 	49	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	 	 	39	  	 	 	40	  	 	 	19	  	 	 	18	  	 	 	116	  	 	 	8	  	 	 	45	  	 	 	14	  	 	 	34	  	 	 	101	  	
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	 			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	 	 	3	  	 	 	1	  	 	 	1	  	 	 	2	  	 	 	7	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	
Expenses related to restructuring, net of taxes	 	 	—  	  	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 	$	42	  	 	$	41	  	 	$	26	  	 	$	20	  	 	$	129	  	 	$	7	  	 	$	45	  	 	$	14	  	 	$	35	  	 	$	101	  	

Effective tax rate (operating income)	 	 	19.8	% 	 	 	38.6	% 	 	 	40.2	% 	 	 	35.4	% 	 	 	33.3	% 	 	 	2.1	% 	 	 	30.9	% 	 	 	38.4	% 	 	 	36.5	% 	 	 	32.6	% 	
											
SALES:	 				 				 				 				 				 				 				 				 				 				
Sales by Distribution Channel:	 				 				 				 				 				 				 				 				 				 				
Financial Intermediaries	 	$	2	  	 	$	4	  	 	$	3	  	 	$	4	  	 	$	13	  	 	$	6	  	 	$	5	  	 	$	5	  	 	$	5	  	 	$	21	  	
Independent Producers	 	 	17	  	 	 	20	  	 	 	23	  	 	 	21	  	 	 	81	  	 	 	41	  	 	 	46	  	 	 	35	  	 	 	28	  	 	 	150	  	
Dedicated Sales Specialist	 	 	5	  	 	 	13	  	 	 	12	  	 	 	10	  	 	 	40	  	 	 	13	  	 	 	12	  	 	 	13	  	 	 	12	  	 	 	50	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Individual Long-Term Care Insurance	 	 	24	  	 	 	37	  	 	 	38	  	 	 	35	  	 	 	134	  	 	 	60	  	 	 	63	  	 	 	53	  	 	 	45	  	 	 	221	  	
Group Long-Term Care Insurance	 	 	2	  	 	 	3	  	 	 	5	  	 	 	5	  	 	 	15	  	 	 	4	  	 	 	6	  	 	 	7	  	 	 	3	  	 	 	20	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	 	$	26	  	 	$	40	  	 	$	43	  	 	$	40	  	 	$	149	  	 	$	64	  	 	$	69	  	 	$	60	  	 	$	48	  	 	$	241	  	

											
RATIOS:	 				 				 				 				 				 				 				 				 				 				
Loss Ratio (1)	 	 	68.2	% 	 	 	63.7	% 	 	 	66.6	% 	 	 	66.2	% 	 	 	66.2	% 	 	 	73.2	% 	 	 	62.8	% 	 	 	71.2	% 	 	 	63.4	% 	 	 	67.7	% 	
Gross Benefits Ratio (2)	 	 	120.4	% 	 	 	116.8	% 	 	 	120.3	% 	 	 	122.8	% 	 	 	120.0	% 	 	 	126.4	% 	 	 	115.0	% 	 	 	124.1	% 	 	 	115.1	% 	 	 	120.2	% 	

(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.	
 
22

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Fixed Annuities
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	15	  	 	$	21	  	 	$	15	  	 	$	13	  	 	$	64	  	 	$	30	  	 	$	26	  	 	$	15	  	 	$	33	  	 	$	104	  	
Net investment income	  	 	245	  	 	 	230	  	 	 	248	  	 	 	243	  	 	 	966	  	 	 	251	  	 	 	249	  	 	 	255	  	 	 	254	  	 	 	1,009	  	
Net investment gains (losses)	  	 	(6	) 	 	 	(4	) 	 	 	10	  	 	 	(5	) 	 	 	(5	) 	 	 	(3	) 	 	 	8	  	 	 	(12	) 	 	 	5	  	 	 	(2	) 	
Insurance and investment product fees and other	  	 	2	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	7	  	 	 	1	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	6	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	256	  	 	 	249	  	 	 	275	  	 	 	252	  	 	 	1,032	  	 	 	279	  	 	 	284	  	 	 	260	  	 	 	294	  	 	 	1,117	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	94	  	 	 	105	  	 	 	98	  	 	 	82	  	 	 	379	  	 	 	117	  	 	 	113	  	 	 	103	  	 	 	120	  	 	 	453	  	
Interest credited	  	 	90	  	 	 	88	  	 	 	87	  	 	 	88	  	 	 	353	  	 	 	92	  	 	 	94	  	 	 	95	  	 	 	97	  	 	 	378	  	
Acquisition and operating expenses, net of deferrals	  	 	23	  	 	 	17	  	 	 	20	  	 	 	19	  	 	 	79	  	 	 	20	  	 	 	19	  	 	 	18	  	 	 	16	  	 	 	73	  	
Amortization of deferred acquisition costs and intangibles	  	 	20	  	 	 	20	  	 	 	23	  	 	 	22	  	 	 	85	  	 	 	26	  	 	 	26	  	 	 	21	  	 	 	29	  	 	 	102	  	
Interest expense	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	227	  	 	 	230	  	 	 	228	  	 	 	211	  	 	 	896	  	 	 	255	  	 	 	252	  	 	 	237	  	 	 	262	  	 	 	1,006	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	29	  	 	 	19	  	 	 	47	  	 	 	41	  	 	 	136	  	 	 	24	  	 	 	32	  	 	 	23	  	 	 	32	  	 	 	111	  	
Provision for income taxes	  	 	10	  	 	 	6	  	 	 	17	  	 	 	15	  	 	 	48	  	 	 	9	  	 	 	12	  	 	 	8	  	 	 	11	  	 	 	40	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	19	  	 	 	13	  	 	 	30	  	 	 	26	  	 	 	88	  	 	 	15	  	 	 	20	  	 	 	15	  	 	 	21	  	 	 	71	  	
	 										
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	2	  	 	 	3	  	 	 	(5	) 	 	 	3	  	 	 	3	  	 	 	5	  	 	 	(1	) 	 	 	5	  	 	 	2	  	 	 	11	  	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	21	  	 	$	16	  	 	$	26	  	 	$	29	  	 	$	92	  	 	$	20	  	 	$	19	  	 	$	20	  	 	$	23	  	 	$	82	  	

Effective tax rate (operating income)	  	 	33.6	% 	 	 	35.4	% 	 	 	36.3	% 	 	 	35.5	% 	 	 	35.3	% 	 	 	35.1	% 	 	 	35.4	% 	 	 	35.3	% 	 	 	35.6	% 	 	 	35.3	% 	
											
SALES:	  				 				 				 				 				 				 				 				 				 				
Sales by Product:	  				 				 				 				 				 				 				 				 				 				
Single Premium Immediate Annuities	  	$	52	  	 	$	53	  	 	$	48	  	 	$	40	  	 	$	193	  	 	$	69	  	 	$	63	  	 	$	51	  	 	$	74	  	 	$	257	  	
Single Premium Deferred Annuities	  	 	678	  	 	 	707	  	 	 	164	  	 	 	67	  	 	 	1,616	  	 	 	179	  	 	 	424	  	 	 	285	  	 	 	262	  	 	 	1,150	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	730	  	 	$	760	  	 	$	212	  	 	$	107	  	 	$	1,809	  	 	$	248	  	 	$	487	  	 	$	336	  	 	$	336	  	 	$	1,407	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Sales by Distribution Channel:	  			 	 				 				 				 				 				 				 				 				 				
Financial Intermediaries	  	$	425	  	 	$	528	  	 	$	134	  	 	$	47	  	 	$	1,134	  	 	$	120	  	 	$	336	  	 	$	242	  	 	$	216	  	 	$	914	  	
Independent Producers	  	 	292	  	 	 	226	  	 	 	71	  	 	 	56	  	 	 	645	  	 	 	118	  	 	 	145	  	 	 	90	  	 	 	116	  	 	 	469	  	
Dedicated Sales Specialists	  	 	13	  	 	 	6	  	 	 	7	  	 	 	4	  	 	 	30	  	 	 	10	  	 	 	6	  	 	 	4	  	 	 	4	  	 	 	24	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	730	  	 	$	760	  	 	$	212	  	 	$	107	  	 	$	1,809	  	 	$	248	  	 	$	487	  	 	$	336	  	 	$	336	  	 	$	1,407	  	

 
23

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Operating Performance Measures—U.S. Life Insurance Segment—Fixed Annuities
(amounts in millions)

 	  	2013	 	  	2012	 	
 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	  	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Single Premium Deferred Annuities	  			 	  				  				  				  				  				 				 				 				 				
Account value, beginning of the period	  	$	11,341	  	  	$	10,842	  	  	$	10,881	  	  	$	11,038	  	  	$	11,038	  	  	$	11,104	  	 	$	10,904	  	 	$	10,849	  	 	$	10,831	  	 	$	10,831	  	
Deposits	  	 	686	  	  	 	714	  	  	 	166	  	  	 	68	  	  	 	1,634	  	  	 	184	  	 	 	427	  	 	 	286	  	 	 	264	  	 	 	1,161	  	
Surrenders, benefits and product charges	  	 	(300	) 	  	 	(293	) 	  	 	(281	) 	  	 	(302	) 	  	 	(1,176	) 	  	 	(331	) 	 	 	(310	) 	 	 	(314	) 	 	 	(330	) 	 	 	(1,285	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	386	  	  	 	421	  	  	 	(115	) 	  	 	(234	) 	  	 	458	  	  	 	(147	) 	 	 	117	  	 	 	(28	) 	 	 	(66	) 	 	 	(124	) 	
Interest credited	  	 	80	  	  	 	78	  	  	 	76	  	  	 	77	  	  	 	311	  	  	 	81	  	 	 	83	  	 	 	83	  	 	 	84	  	 	 	331	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	11,807	  	  	 	11,341	  	  	 	10,842	  	  	 	10,881	  	  	 	11,807	  	  	 	11,038	  	 	 	11,104	  	 	 	10,904	  	 	 	10,849	  	 	 	11,038	  	

Single Premium Immediate Annuities	  			 	  				  				  				  				  				 				 				 				 				
Account value, beginning of the period	  	 	5,931	  	  	 	6,010	  	  	 	6,319	  	  	 	6,442	  	  	 	6,442	  	  	 	6,469	  	 	 	6,427	  	 	 	6,404	  	 	 	6,433	  	 	 	6,433	  	
Premiums and deposits	  	 	91	  	  	 	80	  	  	 	71	  	  	 	65	  	  	 	307	  	  	 	93	  	 	 	90	  	 	 	81	  	 	 	106	  	 	 	370	  	
Surrenders, benefits and product charges	  	 	(221	) 	  	 	(214	) 	  	 	(228	) 	  	 	(235	) 	  	 	(898	) 	  	 	(235	) 	 	 	(222	) 	 	 	(235	) 	 	 	(237	) 	 	 	(929	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(130	) 	  	 	(134	) 	  	 	(157	) 	  	 	(170	) 	  	 	(591	) 	  	 	(142	) 	 	 	(132	) 	 	 	(154	) 	 	 	(131	) 	 	 	(559	) 	
Interest credited	  	 	69	  	  	 	71	  	  	 	72	  	  	 	73	  	  	 	285	  	  	 	75	  	 	 	75	  	 	 	77	  	 	 	78	  	 	 	305	  	
Effect of accumulated net unrealized investment gains (losses)	  	 	(33	) 	  	 	(16	) 	  	 	(224	) 	  	 	(26	) 	  	 	(299	) 	  	 	40	  	 	 	99	  	 	 	100	  	 	 	24	  	 	 	263	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	  	 	5,837	  	  	 	5,931	  	  	 	6,010	  	  	 	6,319	  	  	 	5,837	  	  	 	6,442	  	 	 	6,469	  	 	 	6,427	  	 	 	6,404	  	 	 	6,442	  	

Structured Settlements	  			 	  				  				  				  				  				 				 				 				 				
Account value, net of reinsurance, beginning of the period	  	 	1,095	  	  	 	1,097	  	  	 	1,101	  	  	 	1,101	  	  	 	1,101	  	  	 	1,104	  	 	 	1,106	  	 	 	1,107	  	 	 	1,107	  	 	 	1,107	  	
Surrenders, benefits and product charges	  	 	(16	) 	  	 	(17	) 	  	 	(18	) 	  	 	(15	) 	  	 	(66	) 	  	 	(17	) 	 	 	(17	) 	 	 	(16	) 	 	 	(14	) 	 	 	(64	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	  	 	(16	) 	  	 	(17	) 	  	 	(18	) 	  	 	(15	) 	  	 	(66	) 	  	 	(17	) 	 	 	(17	) 	 	 	(16	) 	 	 	(14	) 	 	 	(64	) 	
Interest credited	  	 	14	  	  	 	15	  	  	 	14	  	  	 	15	  	  	 	58	  	  	 	14	  	 	 	15	  	 	 	15	  	 	 	14	  	 	 	58	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, net of reinsurance, end of the period	  	 	1,093	  	  	 	1,095	  	  	 	1,097	  	  	 	1,101	  	  	 	1,093	  	  	 	1,101	  	 	 	1,104	  	 	 	1,106	  	 	 	1,107	  	 	 	1,101	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Fixed Annuities	  	$	18,737	  	  	$	18,367	  	  	$	17,949	  	  	$	18,301	  	  	$	18,737	  	  	$	18,581	  	 	$	18,677	  	 	$	18,437	  	 	$	18,360	  	 	$	18,581	  	

 
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Global Mortgage Insurance Division
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	390	  	 	$	380	  	 	$	392	  	 	$	388	  	 	$	1,550	  	 	$	395	  	 	$	394	  	 	$	393	  	 	$	383	  	 	$	1,565	  	
Net investment income	  	 	93	  	 	 	98	  	 	 	95	  	 	 	107	  	 	 	393	  	 	 	104	  	 	 	112	  	 	 	107	  	 	 	120	  	 	 	443	  	
Net investment gains (losses)	  	 	9	  	 	 	7	  	 	 	13	  	 	 	3	  	 	 	32	  	 	 	12	  	 	 	—  	  	 	 	11	  	 	 	29	  	 	 	52	  	
Insurance and investment product fees and other	  	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	—  	  	 	 	20	  	 	 	2	  	 	 	24	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	493	  	 	 	485	  	 	 	500	  	 	 	499	  	 	 	1,977	  	 	 	513	  	 	 	506	  	 	 	531	  	 	 	534	  	 	 	2,084	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	172	  	 	 	196	  	 	 	177	  	 	 	184	  	 	 	729	  	 	 	275	  	 	 	273	  	 	 	289	  	 	 	404	  	 	 	1,241	  	
Acquisition and operating expenses, net of deferrals	  	 	107	  	 	 	91	  	 	 	96	  	 	 	91	  	 	 	385	  	 	 	(91	) 	 	 	102	  	 	 	94	  	 	 	93	  	 	 	198	  	
Amortization of deferred acquisition costs and intangibles	  	 	15	  	 	 	15	  	 	 	19	  	 	 	17	  	 	 	66	  	 	 	15	  	 	 	18	  	 	 	18	  	 	 	18	  	 	 	69	  	
Interest expense	  	 	7	  	 	 	9	  	 	 	8	  	 	 	9	  	 	 	33	  	 	 	9	  	 	 	9	  	 	 	8	  	 	 	10	  	 	 	36	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	301	  	 	 	311	  	 	 	300	  	 	 	301	  	 	 	1,213	  	 	 	208	  	 	 	402	  	 	 	409	  	 	 	525	  	 	 	1,544	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	192	  	 	 	174	  	 	 	200	  	 	 	198	  	 	 	764	  	 	 	305	  	 	 	104	  	 	 	122	  	 	 	9	  	 	 	540	  	
Provision (benefit) for income taxes	  	 	44	  	 	 	45	  	 	 	55	  	 	 	57	  	 	 	201	  	 	 	66	  	 	 	12	  	 	 	31	  	 	 	(4	) 	 	 	105	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	148	  	 	 	129	  	 	 	145	  	 	 	141	  	 	 	563	  	 	 	239	  	 	 	92	  	 	 	91	  	 	 	13	  	 	 	435	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	 	 	40	  	 	 	39	  	 	 	38	  	 	 	154	  	 	 	98	  	 	 	36	  	 	 	33	  	 	 	33	  	 	 	200	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
    STOCKHOLDERS	  	 	111	  	 	 	89	  	 	 	106	  	 	 	103	  	 	 	409	  	 	 	141	  	 	 	56	  	 	 	58	  	 	 	(20	) 	 	 	235	  	
	 										
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(4	) 	 	 	(2	) 	 	 	(5	) 	 	 	(1	) 	 	 	(12	) 	 	 	(8	) 	 	 	1	  	 	 	(7	) 	 	 	(17	) 	 	 	(31	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS) (1)	  	$	107	  	 	$	87	  	 	$	102	  	 	$	102	  	 	$	398	  	 	$	133	  	 	$	57	  	 	$	51	  	 	$	(37	) 	 	$	204	  	

Effective tax rate (operating income (loss))	  	 	20.7	% 	 	 	25.3	% 	 	 	27.2	% 	 	 	30.0	% 	 	 	25.9	% 	 	 	19.6	% 	 	 	-1.8	% 	 	 	21.6	% 	 	 	41.5	% 	 	 	8.5	% 	

(1)  	Net operating income (loss) adjusted for foreign exchange as compared to the prior year period for the Global Mortgage Insurance Division was $116 million and $418 million for the three and twelve months ended December 31, 2013, respectively.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	International Mortgage Insurance Segment	 	 	 	 	  	 	 	
Three months ended December 31, 2013	  	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	  	Total	 	
REVENUES:	  				 				 				 				 				  			 	
Premiums	  	$	137	  	 	$	98	  	 	$	13	  	 	$	248	  	 	$	142	  	  	$	390	  	
Net investment income	  	 	41	  	 	 	38	  	 	 	1	  	 	 	80	  	 	 	13	  	  	 	93	  	
Net investment gains (losses)	  	 	6	  	 	 	—  	  	 	 	3	  	 	 	9	  	 	 	—  	  	  	 	9	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	  	 	1	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	184	  	 	 	137	  	 	 	17	  	 	 	338	  	 	 	155	  	  	 	493	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				  			 	
Benefits and other changes in policy reserves	  	 	30	  	 	 	21	  	 	 	13	  	 	 	64	  	 	 	108	  	  	 	172	  	
Acquisition and operating expenses, net of deferrals	  	 	29	  	 	 	34	  	 	 	9	  	 	 	72	  	 	 	35	  	  	 	107	  	
Amortization of deferred acquisition costs and intangibles	  	 	8	  	 	 	5	  	 	 	1	  	 	 	14	  	 	 	1	  	  	 	15	  	
Interest expense	  	 	5	  	 	 	2	  	 	 	—  	  	 	 	7	  	 	 	—  	  	  	 	7	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	72	  	 	 	62	  	 	 	23	  	 	 	157	  	 	 	144	  	  	 	301	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	112	  	 	 	75	  	 	 	(6	) 	 	 	181	  	 	 	11	  	  	 	192	  	
Provision for income taxes	  	 	28	  	 	 	9	  	 	 	2	  	 	 	39	  	 	 	5	  	  	 	44	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	84	  	 	 	66	  	 	 	(8	) 	 	 	142	  	 	 	6	  	  	 	148	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	 	 	—  	  	 	 	—  	  	 	 	37	  	 	 	—  	  	  	 	37	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
     STOCKHOLDERS	  	 	47	  	 	 	66	  	 	 	(8	) 	 	 	105	  	 	 	6	  	  	 	111	  	
						 	
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL,
    INC.’S COMMON STOCKHOLDERS:	  				 				 				 				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(3	) 	 	 	—  	  	 	 	(1	) 	 	 	(4	) 	 	 	—  	  	  	 	(4	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	44	  	 	$	66	  	 	$	(9	) 	 	$	101	  	 	$	6	  	  	$	107	  	

Effective tax rate (operating income (loss))	  	 	22.9	% 	 	 	12.0	% 	 	 	-15.3	% 	 	 	18.8	% 	 	 	45.0	% 	  	 	20.7	% 	
				
 	  	International Mortgage Insurance Segment	 	 	 	 	  	 	 	
Three months ended December 31, 2012	  	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	  	Total	 	
REVENUES:	  				 				 				 				 				  			 	
Premiums	  	$	147	  	 	$	101	  	 	$	9	  	 	$	257	  	 	$	138	  	  	$	395	  	
Net investment income	  	 	47	  	 	 	44	  	 	 	1	  	 	 	92	  	 	 	12	  	  	 	104	  	
Net investment gains (losses)	  	 	1	  	 	 	1	  	 	 	(1	) 	 	 	1	  	 	 	11	  	  	 	12	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	1	  	  	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	195	  	 	 	146	  	 	 	10	  	 	 	351	  	 	 	162	  	  	 	513	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				  			 	
Benefits and other changes in policy reserves	  	 	46	  	 	 	37	  	 	 	12	  	 	 	95	  	 	 	180	  	  	 	275	  	
Acquisition and operating expenses, net of deferrals	  	 	(163	) 	 	 	27	  	 	 	9	  	 	 	(127	) 	 	 	36	  	  	 	(91	) 	
Amortization of deferred acquisition costs and intangibles	  	 	9	  	 	 	5	  	 	 	—  	  	 	 	14	  	 	 	1	  	  	 	15	  	
Interest expense	  	 	6	  	 	 	3	  	 	 	—  	  	 	 	9	  	 	 	—  	  	  	 	9	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	(102	) 	 	 	72	  	 	 	21	  	 	 	(9	) 	 	 	217	  	  	 	208	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	297	  	 	 	74	  	 	 	(11	) 	 	 	360	  	 	 	(55	) 	  	 	305	  	
Provision (benefit) for income taxes	  	 	84	  	 	 	12	  	 	 	—  	  	 	 	96	  	 	 	(30	) 	  	 	66	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	213	  	 	 	62	  	 	 	(11	) 	 	 	264	  	 	 	(25	) 	  	 	239	  	
Less: net income attributable to noncontrolling interests	  	 	98	  	 	 	—  	  	 	 	—  	  	 	 	98	  	 	 	—  	  	  	 	98	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
     STOCKHOLDERS	  	 	115	  	 	 	62	  	 	 	(11	) 	 	 	166	  	 	 	(25	) 	  	 	141	  	
						 	
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  				 				 				 				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(7	) 	  	 	(8	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	114	  	 	$	62	  	 	$	(11	) 	 	$	165	  	 	$	(32	) 	  	$	133	  	

Effective tax rate (operating income (loss))	  	 	31.6	% 	 	 	16.5	% 	 	 	-5.6	% 	 	 	28.5	% 	 	 	50.7	% 	  	 	19.6	% 	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	International Mortgage Insurance Segment	 	 	 	 	  	 	 	
Twelve months ended December 31, 2013	  	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	  	Total	 	
REVENUES:	  				 				 				 				 				  			 	
Premiums	  	$	560	  	 	$	398	  	 	$	38	  	 	$	996	  	 	$	554	  	  	$	1,550	  	
Net investment income	  	 	170	  	 	 	159	  	 	 	4	  	 	 	333	  	 	 	60	  	  	 	393	  	
Net investment gains (losses)	  	 	31	  	 	 	(2	) 	 	 	3	  	 	 	32	  	 	 	—  	  	  	 	32	  	
Insurance and investment product fees and other	  	 	(1	) 	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	  	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	760	  	 	 	555	  	 	 	46	  	 	 	1,361	  	 	 	616	  	  	 	1,977	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				  			 	
Benefits and other changes in policy reserves	  	 	139	  	 	 	134	  	 	 	44	  	 	 	317	  	 	 	412	  	  	 	729	  	
Acquisition and operating expenses, net of deferrals	  	 	93	  	 	 	110	  	 	 	38	  	 	 	241	  	 	 	144	  	  	 	385	  	
Amortization of deferred acquisition costs and intangibles	  	 	37	  	 	 	22	  	 	 	1	  	 	 	60	  	 	 	6	  	  	 	66	  	
Interest expense	  	 	22	  	 	 	11	  	 	 	—  	  	 	 	33	  	 	 	—  	  	  	 	33	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	291	  	 	 	277	  	 	 	83	  	 	 	651	  	 	 	562	  	  	 	1,213	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	469	  	 	 	278	  	 	 	(37	) 	 	 	710	  	 	 	54	  	  	 	764	  	
Provision for income taxes	  	 	133	  	 	 	51	  	 	 	—  	  	 	 	184	  	 	 	17	  	  	 	201	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	336	  	 	 	227	  	 	 	(37	) 	 	 	526	  	 	 	37	  	  	 	563	  	
Less: net income attributable to noncontrolling interests	  	 	154	  	 	 	—  	  	 	 	—  	  	 	 	154	  	 	 	—  	  	  	 	154	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
    STOCKHOLDERS	  	 	182	  	 	 	227	  	 	 	(37	) 	 	 	372	  	 	 	37	  	  	 	409	  	
						 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
    STOCKHOLDERS:	  				 				 				 				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(12	) 	 	 	1	  	 	 	(1	) 	 	 	(12	) 	 	 	—  	  	  	 	(12	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	  	 	1	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	170	  	 	$	228	  	 	$	(37	) 	 	$	361	  	 	$	37	  	  	$	398	  	

Effective tax rate (operating income (loss))	  	 	29.5	% 	 	 	18.6	% 	 	 	3.1	% 	 	 	25.3	% 	 	 	31.6	% 	  	 	25.9	% 	
				
 	  	International Mortgage Insurance Segment	 	 	 	 	  	 	 	
Twelve months ended December 31, 2012	  	Canada	 	 	Australia	 	 	Other
Countries	 	 	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	  	Total	 	
REVENUES:	  				 				 				 				 				  			 	
Premiums	  	$	587	  	 	$	388	  	 	$	41	  	 	$	1,016	  	 	$	549	  	  	$	1,565	  	
Net investment income	  	 	187	  	 	 	181	  	 	 	7	  	 	 	375	  	 	 	68	  	  	 	443	  	
Net investment gains (losses)	  	 	12	  	 	 	(2	) 	 	 	6	  	 	 	16	  	 	 	36	  	  	 	52	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	23	  	  	 	24	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total revenues	  	 	786	  	 	 	567	  	 	 	55	  	 	 	1,408	  	 	 	676	  	  	 	2,084	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 				  			 	
Benefits and other changes in policy reserves	  	 	193	  	 	 	274	  	 	 	49	  	 	 	516	  	 	 	725	  	  	 	1,241	  	
Acquisition and operating expenses, net of deferrals	  	 	(80	) 	 	 	99	  	 	 	36	  	 	 	55	  	 	 	143	  	  	 	198	  	
Amortization of deferred acquisition costs and intangibles	  	 	39	  	 	 	24	  	 	 	1	  	 	 	64	  	 	 	5	  	  	 	69	  	
Interest expense	  	 	23	  	 	 	13	  	 	 	—  	  	 	 	36	  	 	 	—  	  	  	 	36	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	175	  	 	 	410	  	 	 	86	  	 	 	671	  	 	 	873	  	  	 	1,544	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	611	  	 	 	157	  	 	 	(31	) 	 	 	737	  	 	 	(197	) 	  	 	540	  	
Provision (benefit) for income taxes	  	 	172	  	 	 	17	  	 	 	(1	) 	 	 	188	  	 	 	(83	) 	  	 	105	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	439	  	 	 	140	  	 	 	(30	) 	 	 	549	  	 	 	(114	) 	  	 	435	  	
Less: net income attributable to noncontrolling interests	  	 	200	  	 	 	—  	  	 	 	—  	  	 	 	200	  	 	 	—  	  	  	 	200	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
    STOCKHOLDERS	  	 	239	  	 	 	140	  	 	 	(30	) 	 	 	349	  	 	 	(114	) 	  	 	235	  	
						 	
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
    STOCKHOLDERS:	  				 				 				 				 				  			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(5	) 	 	 	2	  	 	 	(4	) 	 	 	(7	) 	 	 	(24	) 	  	 	(31	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	234	  	 	$	142	  	 	$	(34	) 	 	$	342	  	 	$	(138	) 	  	$	204	  	

Effective tax rate (operating income (loss))	  	 	29.9	% 	 	 	11.3	% 	 	 	8.8	% 	 	 	25.1	% 	 	 	41.0	% 	  	 	8.5	% 	
 
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International Mortgage Insurance Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income—International Mortgage Insurance Segment
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	248	  	 	$	243	  	 	$	251	  	 	$	254	  	 	$	996	  	 	$	257	  	 	$	256	  	 	$	256	  	 	$	247	  	 	$	1,016	  	
Net investment income	  	 	80	  	 	 	80	  	 	 	85	  	 	 	88	  	 	 	333	  	 	 	92	  	 	 	92	  	 	 	94	  	 	 	97	  	 	 	375	  	
Net investment gains (losses)	  	 	9	  	 	 	7	  	 	 	13	  	 	 	3	  	 	 	32	  	 	 	1	  	 	 	2	  	 	 	11	  	 	 	2	  	 	 	16	  	
Insurance and investment product fees and other	  	 	1	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	338	  	 	 	329	  	 	 	349	  	 	 	345	  	 	 	1,361	  	 	 	351	  	 	 	350	  	 	 	361	  	 	 	346	  	 	 	1,408	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	64	  	 	 	73	  	 	 	80	  	 	 	100	  	 	 	317	  	 	 	95	  	 	 	99	  	 	 	115	  	 	 	207	  	 	 	516	  	
Acquisition and operating expenses, net of deferrals	  	 	72	  	 	 	56	  	 	 	61	  	 	 	52	  	 	 	241	  	 	 	(127	) 	 	 	62	  	 	 	61	  	 	 	59	  	 	 	55	  	
Amortization of deferred acquisition costs and intangibles	  	 	14	  	 	 	13	  	 	 	17	  	 	 	16	  	 	 	60	  	 	 	14	  	 	 	17	  	 	 	16	  	 	 	17	  	 	 	64	  	
Interest expense	  	 	7	  	 	 	9	  	 	 	8	  	 	 	9	  	 	 	33	  	 	 	9	  	 	 	9	  	 	 	8	  	 	 	10	  	 	 	36	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	157	  	 	 	151	  	 	 	166	  	 	 	177	  	 	 	651	  	 	 	(9	) 	 	 	187	  	 	 	200	  	 	 	293	  	 	 	671	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	181	  	 	 	178	  	 	 	183	  	 	 	168	  	 	 	710	  	 	 	360	  	 	 	163	  	 	 	161	  	 	 	53	  	 	 	737	  	
Provision for income taxes	  	 	39	  	 	 	46	  	 	 	51	  	 	 	48	  	 	 	184	  	 	 	96	  	 	 	34	  	 	 	45	  	 	 	13	  	 	 	188	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	142	  	 	 	132	  	 	 	132	  	 	 	120	  	 	 	526	  	 	 	264	  	 	 	129	  	 	 	116	  	 	 	40	  	 	 	549	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	 	 	40	  	 	 	39	  	 	 	38	  	 	 	154	  	 	 	98	  	 	 	36	  	 	 	33	  	 	 	33	  	 	 	200	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS AVAILABLE TO
GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	105	  	 	 	92	  	 	 	93	  	 	 	82	  	 	 	372	  	 	 	166	  	 	 	93	  	 	 	83	  	 	 	7	  	 	 	349	  	
	 										
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS
AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON
STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(4	) 	 	 	(2	) 	 	 	(5	) 	 	 	(1	) 	 	 	(12	) 	 	 	(1	) 	 	 	1	  	 	 	(7	) 	 	 	—  	  	 	 	(7	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1) 	  	$	101	  	 	$	90	  	 	$	89	  	 	$	81	  	 	$	361	  	 	$	165	  	 	$	94	  	 	$	76	  	 	$	7	  	 	$	342	  	

Effective tax rate (operating income)	  	 	18.8	% 	 	 	25.0	% 	 	 	27.8	% 	 	 	29.9	% 	 	 	25.3	% 	 	 	28.5	% 	 	 	17.6	% 	 	 	27.4	% 	 	 	6.8	% 	 	 	25.1	% 	

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Mortgage Insurance segment was $110 million and $381 million for the three and twelve months ended December 31, 2013, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income and Sales—International Mortgage Insurance Segment—Canada
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q (1) 	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	137	  	 	$	138	  	 	$	141	  	 	$	144	  	 	$	560	  	 	$	147	  	 	$	147	  	 	$	148	  	 	$	145	  	 	$	587	  	
Net investment income	  	 	41	  	 	 	43	  	 	 	42	  	 	 	44	  	 	 	170	  	 	 	47	  	 	 	46	  	 	 	47	  	 	 	47	  	 	 	187	  	
Net investment gains (losses)	  	 	6	  	 	 	9	  	 	 	12	  	 	 	4	  	 	 	31	  	 	 	1	  	 	 	4	  	 	 	1	  	 	 	6	  	 	 	12	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	184	  	 	 	190	  	 	 	194	  	 	 	192	  	 	 	760	  	 	 	195	  	 	 	197	  	 	 	196	  	 	 	198	  	 	 	786	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	30	  	 	 	30	  	 	 	35	  	 	 	44	  	 	 	139	  	 	 	46	  	 	 	44	  	 	 	48	  	 	 	55	  	 	 	193	  	
Acquisition and operating expenses, net of deferrals	  	 	29	  	 	 	23	  	 	 	22	  	 	 	19	  	 	 	93	  	 	 	(163	) 	 	 	28	  	 	 	29	  	 	 	26	  	 	 	(80	) 	
Amortization of deferred acquisition costs and intangibles	  	 	8	  	 	 	9	  	 	 	10	  	 	 	10	  	 	 	37	  	 	 	9	  	 	 	10	  	 	 	10	  	 	 	10	  	 	 	39	  	
Interest expense	  	 	5	  	 	 	6	  	 	 	5	  	 	 	6	  	 	 	22	  	 	 	6	  	 	 	6	  	 	 	5	  	 	 	6	  	 	 	23	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	72	  	 	 	68	  	 	 	72	  	 	 	79	  	 	 	291	  	 	 	(102	) 	 	 	88	  	 	 	92	  	 	 	97	  	 	 	175	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	112	  	 	 	122	  	 	 	122	  	 	 	113	  	 	 	469	  	 	 	297	  	 	 	109	  	 	 	104	  	 	 	101	  	 	 	611	  	
Provision for income taxes	  	 	28	  	 	 	38	  	 	 	35	  	 	 	32	  	 	 	133	  	 	 	84	  	 	 	29	  	 	 	30	  	 	 	29	  	 	 	172	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	84	  	 	 	84	  	 	 	87	  	 	 	81	  	 	 	336	  	 	 	213	  	 	 	80	  	 	 	74	  	 	 	72	  	 	 	439	  	
Less: net income attributable to noncontrolling interests	  	 	37	  	 	 	40	  	 	 	39	  	 	 	38	  	 	 	154	  	 	 	98	  	 	 	36	  	 	 	33	  	 	 	33	  	 	 	200	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	47	  	 	 	44	  	 	 	48	  	 	 	43	  	 	 	182	  	 	 	115	  	 	 	44	  	 	 	41	  	 	 	39	  	 	 	239	  	
	 										
ADJUSTMENT TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(3	) 	 	 	(3	) 	 	 	(5	) 	 	 	(1	) 	 	 	(12	) 	 	 	(1	) 	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	(5	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (2) 	  	$	44	  	 	$	41	  	 	$	43	  	 	$	42	  	 	$	170	  	 	$	114	  	 	$	42	  	 	$	41	  	 	$	37	  	 	$	234	  	

Effective tax rate (operating income)	  	 	22.9	% 	 	 	35.0	% 	 	 	29.3	% 	 	 	30.2	% 	 	 	29.5	% 	 	 	31.6	% 	 	 	25.6	% 	 	 	30.0	% 	 	 	29.3	% 	 	 	29.9	% 	
											
SALES:	  				 				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				 				
Flow	  	$	5,000	  	 	$	6,000	  	 	$	4,700	  	 	$	3,300	  	 	$	19,000	  	 	$	4,400	  	 	$	7,200	  	 	$	5,700	  	 	$	3,500	  	 	$	20,800	  	
Bulk	  	 	2,400	  	 	 	3,900	  	 	 	6,400	  	 	 	2,400	  	 	 	15,100	  	 	 	4,100	  	 	 	2,600	  	 	 	13,100	  	 	 	500	  	 	 	20,300	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Canada NIW (3) 	  	$	7,400	  	 	$	9,900	  	 	$	11,100	  	 	$	5,700	  	 	$	34,100	  	 	$	8,500	  	 	$	9,800	  	 	$	18,800	  	 	$	4,000	  	 	$	41,100	  	

  

(1)  	Effective January 1, 2013, the Government Guarantee Agreement and all obligations under it, including the requirement for a government guarantee fund and payment of exit fees related to it, was terminated. As a result, in the fourth quarter of 2012, acquisition and operating expenses, net of deferrals, for the Canadian platform included a favorable adjustment of $186 million associated with the reversal of the accrued liability for exit fees. This adjustment impacted net income available to Genworth Financial, Inc.’s common stockholders by $78 million, net of taxes, and net income attributable to noncontrolling interests by $58 million, net of taxes.	
(2)  	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $46 million and $174 million for the three and twelve months ended December 31, 2013, respectively.	
(3)  	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $7,800 million and $34,900 million for the three and twelve months ended December 31, 2013, respectively.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss) and Sales—International Mortgage Insurance Segment—Australia
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	98	  	 	$	98	  	 	$	101	  	 	$	101	  	 	$	398	  	 	$	101	  	 	$	98	  	 	$	98	  	 	$	91	  	 	$	388	  	
Net investment income	  	 	38	  	 	 	36	  	 	 	42	  	 	 	43	  	 	 	159	  	 	 	44	  	 	 	44	  	 	 	46	  	 	 	47	  	 	 	181	  	
Net investment gains (losses)	  	 	—  	  	 	 	(2	) 	 	 	1	  	 	 	(1	) 	 	 	(2	) 	 	 	1	  	 	 	(2	) 	 	 	4	  	 	 	(5	) 	 	 	(2	) 	
Insurance and investment product fees and other	  	 	1	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	137	  	 	 	131	  	 	 	144	  	 	 	143	  	 	 	555	  	 	 	146	  	 	 	140	  	 	 	148	  	 	 	133	  	 	 	567	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	21	  	 	 	29	  	 	 	36	  	 	 	48	  	 	 	134	  	 	 	37	  	 	 	46	  	 	 	53	  	 	 	138	  	 	 	274	  	
Acquisition and operating expenses, net of deferrals	  	 	34	  	 	 	25	  	 	 	27	  	 	 	24	  	 	 	110	  	 	 	27	  	 	 	26	  	 	 	23	  	 	 	23	  	 	 	99	  	
Amortization of deferred acquisition costs and intangibles	  	 	5	  	 	 	5	  	 	 	6	  	 	 	6	  	 	 	22	  	 	 	5	  	 	 	6	  	 	 	6	  	 	 	7	  	 	 	24	  	
Interest expense	  	 	2	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	11	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	4	  	 	 	13	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	62	  	 	 	62	  	 	 	72	  	 	 	81	  	 	 	277	  	 	 	72	  	 	 	81	  	 	 	85	  	 	 	172	  	 	 	410	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	75	  	 	 	69	  	 	 	72	  	 	 	62	  	 	 	278	  	 	 	74	  	 	 	59	  	 	 	63	  	 	 	(39	) 	 	 	157	  	
Provision (benefit) for income taxes	  	 	9	  	 	 	9	  	 	 	17	  	 	 	16	  	 	 	51	  	 	 	12	  	 	 	4	  	 	 	16	  	 	 	(15	) 	 	 	17	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	66	  	 	 	60	  	 	 	55	  	 	 	46	  	 	 	227	  	 	 	62	  	 	 	55	  	 	 	47	  	 	 	(24	) 	 	 	140	  	
Less: net income attributable to noncontrolling interests	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	66	  	 	 	60	  	 	 	55	  	 	 	46	  	 	 	227	  	 	 	62	  	 	 	55	  	 	 	47	  	 	 	(24	) 	 	 	140	  	
	 										
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	 	 	(3	) 	 	 	3	  	 	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS) (1) 	  	$	66	  	 	$	61	  	 	$	55	  	 	$	46	  	 	$	228	  	 	$	62	  	 	$	57	  	 	$	44	  	 	$	(21	) 	 	$	142	  	

Effective tax rate (operating income (loss))	  	 	12.0	% 	 	 	13.7	% 	 	 	23.5	% 	 	 	26.7	% 	 	 	18.6	% 	 	 	16.5	% 	 	 	8.2	% 	 	 	24.8	% 	 	 	39.9	% 	 	 	11.3	% 	
											
SALES:	  				 				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				 				
Flow	  	$	9,000	  	 	$	8,000	  	 	$	8,700	  	 	$	7,900	  	 	$	33,600	  	 	$	9,600	  	 	$	8,800	  	 	$	8,200	  	 	$	7,700	  	 	$	34,300	  	
Bulk	  	 	—  	  	 	 	100	  	 	 	900	  	 	 	—  	  	 	 	1,000	  	 	 	—  	  	 	 	—  	  	 	 	300	  	 	 	300	  	 	 	600	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Australia NIW (2) 	  	$	9,000	  	 	$	8,100	  	 	$	9,600	  	 	$	7,900	  	 	$	34,600	  	 	$	9,600	  	 	$	8,800	  	 	$	8,500	  	 	$	8,000	  	 	$	34,900	  	

  

(1)  	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $72 million and $242 million for the three and twelve months ended December 31, 2013, respectively.	
(2)  	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $9,900 million and $36,500 million for the three and twelve months ended December 31, 2013, respectively.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Loss and Sales—International Mortgage Insurance Segment—Other Countries
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	13	  	 	$	7	  	 	$	9	  	 	$	9	  	 	$	38	  	 	$	9	  	 	$	11	  	 	$	10	  	 	$	11	  	 	$	41	  	
Net investment income	  	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	4	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	3	  	 	 	7	  	
Net investment gains (losses)	  	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	3	  	 	 	(1	) 	 	 	—  	  	 	 	6	  	 	 	1	  	 	 	6	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	17	  	 	 	8	  	 	 	11	  	 	 	10	  	 	 	46	  	 	 	10	  	 	 	13	  	 	 	17	  	 	 	15	  	 	 	55	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	13	  	 	 	14	  	 	 	9	  	 	 	8	  	 	 	44	  	 	 	12	  	 	 	9	  	 	 	14	  	 	 	14	  	 	 	49	  	
Acquisition and operating expenses, net of deferrals	  	 	9	  	 	 	8	  	 	 	12	  	 	 	9	  	 	 	38	  	 	 	9	  	 	 	8	  	 	 	9	  	 	 	10	  	 	 	36	  	
Amortization of deferred acquisition costs and intangibles	  	 	1	  	 	 	(1	) 	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
Interest expense	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	23	  	 	 	21	  	 	 	22	  	 	 	17	  	 	 	83	  	 	 	21	  	 	 	18	  	 	 	23	  	 	 	24	  	 	 	86	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(6	) 	 	 	(13	) 	 	 	(11	) 	 	 	(7	) 	 	 	(37	) 	 	 	(11	) 	 	 	(5	) 	 	 	(6	) 	 	 	(9	) 	 	 	(31	) 	
Provision (benefit) for income taxes	  	 	2	  	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	  	 	(8	) 	 	 	(12	) 	 	 	(10	) 	 	 	(7	) 	 	 	(37	) 	 	 	(11	) 	 	 	(6	) 	 	 	(5	) 	 	 	(8	) 	 	 	(30	) 	
Less: net income attributable to noncontrolling interests	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	(8	) 	 	 	(12	) 	 	 	(10	) 	 	 	(7	) 	 	 	(37	) 	 	 	(11	) 	 	 	(6	) 	 	 	(5	) 	 	 	(8	) 	 	 	(30	) 	
	 										
ADJUSTMENTS TO LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	1	  	 	 	(4	) 	 	 	(1	) 	 	 	(4	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS (1) 	  	$	(9	) 	 	$	(12	) 	 	$	(9	) 	 	$	(7	) 	 	$	(37	) 	 	$	(11	) 	 	$	(5	) 	 	$	(9	) 	 	$	(9	) 	 	$	(34	) 	

Effective tax rate (operating loss)	  	 	-15.3	% 	 	 	11.2	% 	 	 	5.7	% 	 	 	4.9	% 	 	 	3.1	% 	 	 	-5.6	% 	 	 	-0.6	% 	 	 	26.7	% 	 	 	10.1	% 	 	 	8.8	% 	
											
SALES:	  				 				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				 				
Flow	  	$	500	  	 	$	500	  	 	$	400	  	 	$	400	  	 	$	1,800	  	 	$	500	  	 	$	400	  	 	$	500	  	 	$	300	  	 	$	1,700	  	
Bulk	  	 	600	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	600	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Other Countries NIW (2) 	  	$	1,100	  	 	$	500	  	 	$	400	  	 	$	400	  	 	$	2,400	  	 	$	500	  	 	$	400	  	 	$	500	  	 	$	300	  	 	$	1,700	  	

  

(1)  	Net operating loss for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $(8) million and $(35) million for the three and twelve months ended December 31, 2013, respectively.	
(2)  	New insurance written for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $1,100 million and $2,400 million for the three and twelve months ended December 31, 2013, respectively.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

 	  	2013	 	  	2012	 	
 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	  	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  			 	  				  				  				  				  				 				 				 				 				
Canada	  	$	125	  	  	$	156	  	  	$	134	  	  	$	84	  	  	$	499	  	  	$	118	  	 	$	176	  	 	$	175	  	 	$	79	  	 	$	548	  	
Australia	  	 	147	  	  	 	123	  	  	 	132	  	  	 	117	  	  	 	519	  	  	 	157	  	 	 	131	  	 	 	103	  	 	 	102	  	 	 	493	  	
Other Countries (1)	  	 	6	  	  	 	6	  	  	 	7	  	  	 	5	  	  	 	24	  	  	 	—  	  	 	 	7	  	 	 	7	  	 	 	6	  	 	 	20	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Net Premiums Written	  	$	278	  	  	$	285	  	  	$	273	  	  	$	206	  	  	$	1,042	  	  	$	275	  	 	$	314	  	 	$	285	  	 	$	187	  	 	$	1,061	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (2)	  			 	  				  				  				  				  				 				 				 				 				
Canada	  	 	22	% 	  	 	22	% 	  	 	25	% 	  	 	31	% 	  	 	25	% 	  	 	31	% 	 	 	30	% 	 	 	32	% 	 	 	38	% 	 	 	33	% 	
Australia	  	 	21	% 	  	 	31	% 	  	 	35	% 	  	 	47	% 	  	 	34	% 	  	 	36	% 	 	 	47	% 	 	 	54	% 	 	 	154	% 	 	 	70	% 	
Other Countries	  	 	102	% 	  	 	170	% 	  	 	110	% 	  	 	90	% 	  	 	115	% 	  	 	133	% 	 	 	97	% 	 	 	129	% 	 	 	128	% 	 	 	122	% 	
Total Loss Ratio	  	 	25	% 	  	 	31	% 	  	 	32	% 	  	 	39	% 	  	 	32	% 	  	 	37	% 	 	 	39	% 	 	 	45	% 	 	 	84	% 	 	 	51	% 	
	 										
GAAP Basis Expense Ratio (3)	  			 	  				  				  				  				  				 				 				 				 				
Canada (4)	  	 	27	% 	  	 	23	% 	  	 	22	% 	  	 	20	% 	  	 	23	% 	  	 	-103	% 	 	 	26	% 	 	 	26	% 	 	 	25	% 	 	 	-7	% 	
Australia	  	 	39	% 	  	 	30	% 	  	 	32	% 	  	 	31	% 	  	 	33	% 	  	 	32	% 	 	 	32	% 	 	 	30	% 	 	 	33	% 	 	 	32	% 	
Other Countries (1)	  	 	69	% 	  	 	106	% 	  	 	129	% 	  	 	113	% 	  	 	101	% 	  	 	103	% 	 	 	85	% 	 	 	82	% 	 	 	94	% 	 	 	90	% 	
Total GAAP Basis Expense Ratio (4)	  	 	34	% 	  	 	29	% 	  	 	30	% 	  	 	27	% 	  	 	30	% 	  	 	-43	% 	 	 	30	% 	 	 	30	% 	 	 	31	% 	 	 	12	% 	
	 										
Adjusted Expense Ratio (5)	  			 	  				  				  				  				  				 				 				 				 				
Canada (4)	  	 	30	% 	  	 	20	% 	  	 	23	% 	  	 	35	% 	  	 	26	% 	  	 	-130	% 	 	 	21	% 	 	 	22	% 	 	 	46	% 	 	 	-7	% 	
Australia	  	 	26	% 	  	 	24	% 	  	 	25	% 	  	 	27	% 	  	 	25	% 	  	 	21	% 	 	 	24	% 	 	 	29	% 	 	 	29	% 	 	 	25	% 	
Other Countries (1)	  	 	146	% 	  	 	136	% 	  	 	177	% 	  	 	174	% 	  	 	158	% 	  	 	NM	(6)  	 	 	118	% 	 	 	131	% 	 	 	162	% 	 	 	185	% 	
Total Adjusted Expense Ratio (4)	  	 	31	% 	  	 	24	% 	  	 	28	% 	  	 	34	% 	  	 	29	% 	  	 	-41	% 	 	 	25	% 	 	 	27	% 	 	 	41	% 	 	 	11	% 	
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 $316 million, $285 million, $250 million, $225 million, $213 million, $183 million, $154 million and $134 million of risk in-force in Europe ceded under quota share reinsurance agreements as of December 31, 2013, September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012, September 30, 2012, June 30, 2012 and March 31, 2012, 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.	
(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)  	Effective January 1, 2013, the Government Guarantee Agreement and all obligations under it, including the requirement for a government guarantee fund and payment of exit fees related to it, was terminated. As a result, in the fourth quarter of 2012, acquisition and operating expenses, net of deferrals, for the Canadian platform included a favorable adjustment of $186 million associated with the reversal of the accrued liability for exit fees. For the three and twelve months ended December 31, 2012, excluding the exit fee adjustment, the GAAP basis expense ratios for the Canadian platform were 22% and 25%, respectively, and the adjusted expense ratios for the Canadian platform were 28% and 27%, respectively. For the three and twelve months ended December 31, 2012, excluding the exit fee adjustment, the GAAP basis expense ratios for the International Mortgage Insurance segment were 29% and 30%, respectively, and the adjusted expense ratios for the International Mortgage Insurance segment were 27% and 29%, respectively.	
(5)  	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.	
(6)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
34

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	  	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	  	2Q	 	  	1Q	 	
Primary Insurance In-Force	  			 	  				  				 				 				 				  				  				
Canada	  	$	298,000	  	  	$	300,700	  	  	$	285,200	(1)  	 	$	284,700	(1)  	 	$	303,400	(1)  	 	$	299,600	  	  	$	281,700	  	  	$	269,100	  	
Australia	  	 	267,900	  	  	 	275,500	  	  	 	266,500	  	 	 	299,000	  	 	 	295,600	  	 	 	291,500	  	  	 	286,200	  	  	 	287,100	  	
Other Countries	  	 	26,300	  	  	 	32,500	  	  	 	31,300	  	 	 	31,400	  	 	 	32,200	  	 	 	31,900	  	  	 	31,400	  	  	 	33,600	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Primary Insurance In-Force	  	$	592,200	  	  	$	608,700	  	  	$	583,000	  	 	$	615,100	  	 	$	631,200	  	 	$	623,000	  	  	$	599,300	  	  	$	589,800	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Primary Risk In-Force (2)	  			 	  				  				 				 				 				  				  				
Canada	  			 	  				  				 				 				 				  				  				
Flow	  	$	82,300	  	  	$	83,400	  	  	$	79,700	  	 	$	80,900	  	 	$	81,900	  	 	$	81,300	  	  	$	76,600	  	  	$	76,200	  	
Bulk	  	 	22,000	  	  	 	21,900	  	  	 	20,100	  	 	 	18,800	  	 	 	24,300	  	 	 	23,500	  	  	 	22,000	  	  	 	18,000	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Canada	  	 	104,300	  	  	 	105,300	  	  	 	99,800	  	 	 	99,700	  	 	 	106,200	  	 	 	104,800	  	  	 	98,600	  	  	 	94,200	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Australia	  			 	  				  				 				 				 				  				  				
Flow	  	 	86,700	  	  	 	88,800	  	  	 	85,700	  	 	 	96,100	  	 	 	94,800	  	 	 	93,100	  	  	 	90,600	  	  	 	90,600	  	
Bulk	  	 	7,100	  	  	 	7,600	  	  	 	7,600	  	 	 	8,500	  	 	 	8,700	  	 	 	9,000	  	  	 	9,600	  	  	 	9,900	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Australia	  	 	93,800	  	  	 	96,400	  	  	 	93,300	  	 	 	104,600	  	 	 	103,500	  	 	 	102,100	  	  	 	100,200	  	  	 	100,500	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Other Countries	  			 	  				  				 				 				 				  				  				
Flow (3)	  	 	3,200	  	  	 	4,000	  	  	 	3,900	  	 	 	3,900	  	 	 	4,000	  	 	 	3,900	  	  	 	3,900	  	  	 	4,200	  	
Bulk	  	 	400	  	  	 	300	  	  	 	300	  	 	 	300	  	 	 	300	  	 	 	400	  	  	 	400	  	  	 	400	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Other Countries	  	 	3,600	  	  	 	4,300	  	  	 	4,200	  	 	 	4,200	  	 	 	4,300	  	 	 	4,300	  	  	 	4,300	  	  	 	4,600	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total Primary Risk In-Force	  	$	201,700	  	  	$	206,000	  	  	$	197,300	  	 	$	208,500	  	 	$	214,000	  	 	$	211,200	  	  	$	203,100	  	  	$	199,300	  	

 

(1)  	As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company surveyed its largest customers and obtained updated outstanding balances in Canada. As a result, the company estimates that the outstanding balance of insured mortgages was approximately $155.0 billion as of September 30, 2013 and $150.0 billion as of June 30, 2013, March 31, 2013 and December 31, 2012. This is based on the extrapolation of the amounts reported by lenders surveyed to the entire insured population.	
(2)  	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.	
(3)  	Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe. Primary flow risk in-force excludes $316 million, $285 million, $250 million, $225 million, $213 million, $183 million, $154 million and $134 million of risk in-force in Europe ceded under quota share reinsurance agreements as of December 31, 2013, September 30, 2013, June 30, 2013, March 31, 2013, December 31, 2012, September 30, 2012, June 30, 2012 and March 31, 2012, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment —Canada
(dollar amounts in millions)

							
Primary Insurance	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	 	 	 	
Insured loans in-force (1)	  	 	1,527,554	  	 	 	1,501,139	  	 	 	1,464,060	  	 	 	1,428,163	  	 	 	1,502,858	  	 				
Insured delinquent loans	  	 	1,830	  	 	 	1,778	  	 	 	1,778	  	 	 	1,963	  	 	 	2,153	  	 				
Insured delinquency rate (2)	  	 	0.12	% 	 	 	0.12	% 	 	 	0.12	% 	 	 	0.14	% 	 	 	0.14	% 	 				
							
Flow loans in-force (1)	  	 	1,187,753	  	 	 	1,171,486	  	 	 	1,151,957	  	 	 	1,136,321	  	 	 	1,126,468	  	 				
Flow delinquent loans	  	 	1,591	  	 	 	1,566	  	 	 	1,562	  	 	 	1,726	  	 	 	1,924	  	 				
Flow delinquency rate (2)	  	 	0.13	% 	 	 	0.13	% 	 	 	0.14	% 	 	 	0.15	% 	 	 	0.17	% 	 				
							
Bulk loans in-force (1)	  	 	339,801	  	 	 	329,653	  	 	 	312,103	  	 	 	291,842	  	 	 	376,390	  	 				
Bulk delinquent loans	  	 	239	  	 	 	212	  	 	 	216	  	 	 	237	  	 	 	229	  	 				
Bulk delinquency rate (2)	  	 	0.07	% 	 	 	0.06	% 	 	 	0.07	% 	 	 	0.08	% 	 	 	0.06	% 	 				
							
Loss Metrics	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	 	 	 	
							
Beginning Reserves	  	$	108	  	 	$	112	  	 	$	118	  	 	$	130	  	 	$	136	  	 				
Paid claims (3)	  	 	(33	) 	 	 	(33	) 	 	 	(39	) 	 	 	(53	) 	 	 	(52	) 	 				
Increase in reserves	  	 	30	  	 	 	27	  	 	 	36	  	 	 	44	  	 	 	40	  	 				
Impact of changes in foreign exchange rates	  	 	(3	) 	 	 	2	  	 	 	(3	) 	 	 	(3	) 	 	 	6	  	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	102	  	 	$	108	  	 	$	112	  	 	$	118	  	 	$	130	  	 				

 	  	December 31, 2013	 	 	September 30, 2013	 	 	December 31, 2012	 	
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	% 	 	 	0.08	% 	 	 	47	% 	 	 	0.07	% 	 	 	46	% 	 	 	0.09%  	  	
British Columbia	  	 	15	  	 	 	0.17	% 	 	 	15	  	 	 	0.18	% 	 	 	16	  	 	 	0.18%  	  	
Alberta	  	 	17	  	 	 	0.14	% 	 	 	16	  	 	 	0.14	% 	 	 	16	  	 	 	0.22%  	  	
Quebec	  	 	14	  	 	 	0.17	% 	 	 	14	  	 	 	0.17	% 	 	 	14	  	 	 	0.19%  	  	
Nova Scotia	  	 	2	  	 	 	0.19	% 	 	 	2	  	 	 	0.21	% 	 	 	2	  	 	 	0.20%  	  	
Saskatchewan	  	 	2	  	 	 	0.08	% 	 	 	2	  	 	 	0.12	% 	 	 	2	  	 	 	0.11%  	  	
Manitoba	  	 	2	  	 	 	0.09	% 	 	 	2	  	 	 	0.08	% 	 	 	2	  	 	 	0.07%  	  	
New Brunswick	  	 	1	  	 	 	0.24	% 	 	 	1	  	 	 	0.21	% 	 	 	1	  	 	 	0.21%  	  	
All Other	  	 	1	  	 	 	0.12	% 	 	 	1	  	 	 	0.12	% 	 	 	1	  	 	 	0.09%  	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.12	% 	 	 	100	% 	 	 	0.12	% 	 	 	100	% 	 	 	0.14%  	  	

By Policy Year	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
2005 and prior	  	 	27	% 	 	 	0.03	% 	 	 	27	% 	 	 	0.03	% 	 	 	29	% 	 	 	0.04%  	  	
2006	  	 	8	  	 	 	0.10	% 	 	 	8	  	 	 	0.11	% 	 	 	8	  	 	 	0.16%  	  	
2007	  	 	10	  	 	 	0.23	% 	 	 	10	  	 	 	0.24	% 	 	 	16	  	 	 	0.24%  	  	
2008	  	 	8	  	 	 	0.27	% 	 	 	8	  	 	 	0.28	% 	 	 	9	  	 	 	0.31%  	  	
2009	  	 	5	  	 	 	0.25	% 	 	 	6	  	 	 	0.23	% 	 	 	6	  	 	 	0.29%  	  	
2010	  	 	9	  	 	 	0.25	% 	 	 	9	  	 	 	0.24	% 	 	 	9	  	 	 	0.29%  	  	
2011	  	 	8	  	 	 	0.24	% 	 	 	9	  	 	 	0.25	% 	 	 	9	  	 	 	0.18%  	  	
2012	  	 	13	  	 	 	0.10	% 	 	 	13	  	 	 	0.07	% 	 	 	14	  	 	 	0.02%  	  	
2013	  	 	12	  	 	 	0.03	% 	 	 	10	  	 	 	0.01	% 	 	 	—  	  	 	 	—  %  	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.12	% 	 	 	100	% 	 	 	0.12	% 	 	 	100	% 	 	 	0.14%  	  	

(1)  	Insured loans in-force represent the original number of loans insured for which the coverage term has not expired, and for which no policy level cancellation or termination has been received.	
(2)  	Delinquent rates are based on insured loans in-force.	
(3)  	Paid claims exclude adjustments for expected recoveries related to loss reserves.	
 
36

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Canada
(Canadian dollar amounts in millions)

 	  	2013	 	  	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims (1)	  			 	  				 				 				 				  				 				 				 				 				
Flow	  	$	32	  	  	$	32	  	 	$	39	  	 	$	51	  	 	$	154	  	  	$	49	  	 	$	52	  	 	$	52	  	 	$	62	  	 	$	215	  	
Bulk	  	 	2	  	  	 	2	  	 	 	1	  	 	 	2	  	 	 	7	  	  	 	2	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	8	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	34	  	  	$	34	  	 	$	40	  	 	$	53	  	 	$	161	  	  	$	51	  	 	$	54	  	 	$	54	  	 	$	64	  	 	$	223	  	

Average Paid Claim (in thousands)	  	$	72.2	  	  	$	69.4	  	 	$	73.1	  	 	$	84.9	  	 				  	$	84.6	  	 	$	80.9	  	 	$	76.7	  	 	$	73.0	  	 				
	 										
Average Reserve Per Delinquency (in thousands)	  	$	59.0	  	  	$	62.5	  	 	$	66.1	  	 	$	61.3	  	 				  	$	60.1	  	 	$	61.1	  	 	$	59.4	  	 	$	56.6	  	 				
	 										
Loss Metrics	  			 	  				 				 				 				  				 				 				 				 				
	 										
Beginning Reserves	  	$	111	  	  	$	118	  	 	$	120	  	 	$	129	  	 				  	$	134	  	 	$	143	  	 	$	148	  	 	$	164	  	 				
Paid claims	  	 	(34	) 	  	 	(34	) 	 	 	(40	) 	 	 	(53	) 	 				  	 	(51	) 	 	 	(54	) 	 	 	(54	) 	 	 	(64	) 	 				
Increase in reserves	  	 	31	  	  	 	27	  	 	 	38	  	 	 	44	  	 				  	 	46	  	 	 	45	  	 	 	49	  	 	 	48	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	108	  	  	$	111	  	 	$	118	  	 	$	120	  	 				  	$	129	  	 	$	134	  	 	$	143	  	 	$	148	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount	  			 	  				 				 				 				  				 				 				 				 				
Over $550K	  	 	5	% 	  	 	5	% 	 	 	5	% 	 	 	5	% 	 				  	 	5	% 	 	 	5	% 	 	 	5	% 	 	 	5	% 	 				
$400K to $550K	  	 	10	  	  	 	10	  	 	 	10	  	 	 	10	  	 				  	 	9	  	 	 	9	  	 	 	9	  	 	 	8	  	 				
$250K to $400K	  	 	32	  	  	 	32	  	 	 	32	  	 	 	31	  	 				  	 	31	  	 	 	30	  	 	 	30	  	 	 	30	  	 				
$100K to $250K	  	 	48	  	  	 	48	  	 	 	48	  	 	 	49	  	 				  	 	49	  	 	 	50	  	 	 	50	  	 	 	51	  	 				
$100K or Less	  	 	5	  	  	 	5	  	 	 	5	  	 	 	5	  	 				  	 	6	  	 	 	6	  	 	 	6	  	 	 	6	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Average Primary Loan Size (in thousands)	  	$	207	  	  	$	206	  	 	$	205	  	 	$	203	  	 				  	$	201	  	 	$	199	  	 	$	197	  	 	$	196	  	 				
											
Average Effective Loan-To-Value Ratios By Policy Year (2) 	  				  				 				 				 				  				 				 				 				 				
											
2006 and prior	  	 	39	% 	  	 	36	% 	 	 	38	% 	 	 	39	% 	 				  	 	40	% 	 	 	40	% 	 	 	41	% 	 	 	42	% 	 				
2007	  	 	65	% 	  	 	64	% 	 	 	66	% 	 	 	68	% 	 				  	 	68	% 	 	 	69	% 	 	 	69	% 	 	 	71	% 	 				
2008	  	 	72	% 	  	 	69	% 	 	 	71	% 	 	 	72	% 	 				  	 	73	% 	 	 	73	% 	 	 	74	% 	 	 	76	% 	 				
2009	  	 	70	% 	  	 	71	% 	 	 	73	% 	 	 	74	% 	 				  	 	75	% 	 	 	75	% 	 	 	76	% 	 	 	78	% 	 				
2010	  	 	77	% 	  	 	77	% 	 	 	80	% 	 	 	81	% 	 				  	 	82	% 	 	 	82	% 	 	 	83	% 	 	 	85	% 	 				
2011	  	 	82	% 	  	 	83	% 	 	 	86	% 	 	 	87	% 	 				  	 	88	% 	 	 	88	% 	 	 	88	% 	 	 	91	% 	 				
2012	  	 	87	% 	  	 	87	% 	 	 	90	% 	 	 	91	% 	 				  	 	92	% 	 	 	91	% 	 	 	91	% 	 	 	—  	% 	 				
2013	  	 	92	% 	  	 	91	% 	 	 	92	% 	 	 	—  	% 	 				  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 				
Total Flow	  	 	57	% 	  	 	55	% 	 	 	56	% 	 	 	56	% 	 				  	 	56	% 	 	 	56	% 	 	 	56	% 	 	 	57	% 	 				
											
Total Bulk	  	 	41	% 	  	 	34	% 	 	 	31	% 	 	 	31	% 	 				  	 	29	% 	 	 	29	% 	 	 	26	% 	 	 	28	% 	 				
											
Total	  	 	53	% 	  	 	51	% 	 	 	50	% 	 	 	50	% 	 				  	 	50	% 	 	 	50	% 	 	 	50	% 	 	 	51	% 	 				
All amounts presented in Canadian dollars.

(1)  	Paid claims exclude adjustments for expected recoveries related to loss reserves.	
(2)  	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.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(dollar amounts in millions)

Primary Insurance	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	 	 	 	
Insured loans in-force	  	 	1,474,181	  	 	 	1,463,148	  	 	 	1,459,376	  	 	 	1,448,090	  	 	 	1,440,719	  	 				
Insured delinquent loans	  	 	4,980	  	 	 	5,454	  	 	 	5,820	  	 	 	5,868	  	 	 	5,851	  	 				
Insured delinquency rate	  	 	0.34	% 	 	 	0.37	% 	 	 	0.40	% 	 	 	0.41	% 	 	 	0.41	% 	 				
							
Flow loans in-force	  	 	1,350,571	  	 	 	1,336,901	  	 	 	1,330,157	  	 	 	1,320,701	  	 	 	1,311,052	  	 				
Flow delinquent loans	  	 	4,760	  	 	 	5,192	  	 	 	5,513	  	 	 	5,567	  	 	 	5,567	  	 				
Flow delinquency rate	  	 	0.35	% 	 	 	0.39	% 	 	 	0.41	% 	 	 	0.42	% 	 	 	0.42	% 	 				
							
Bulk loans in-force	  	 	123,610	  	 	 	126,247	  	 	 	129,219	  	 	 	127,389	  	 	 	129,667	  	 				
Bulk delinquent loans	  	 	220	  	 	 	262	  	 	 	307	  	 	 	301	  	 	 	284	  	 				
Bulk delinquency rate	  	 	0.18	% 	 	 	0.21	% 	 	 	0.24	% 	 	 	0.24	% 	 	 	0.22	% 	 				
							
Loss Metrics	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	 	 	 	
							
Beginning Reserves	  	$	198	  	 	$	200	  	 	$	238	  	 	$	251	  	 	$	287	  	 				
Paid claims	  	 	(39	) 	 	 	(37	) 	 	 	(45	) 	 	 	(61	) 	 	 	(73	) 	 				
Increase in reserves	  	 	20	  	 	 	30	  	 	 	35	  	 	 	48	  	 	 	37	  	 				
Impact of changes in foreign exchange rates	  	 	(7	) 	 	 	5	  	 	 	(28	) 	 	 	—  	  	 	 	—  	  	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	172	  	 	$	198	  	 	$	200	  	 	$	238	  	 	$	251	  	 				

 	  	December 31, 2013	 	 	September 30, 2013	 	 	December 31, 2012	 	
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	% 	 	 	0.30	% 	 	 	30	% 	 	 	0.35	% 	 	 	30	% 	 	 	0.39%	  	
Victoria	  	 	23	  	 	 	0.30	% 	 	 	23	  	 	 	0.31	% 	 	 	23	  	 	 	0.31%	  	
Queensland	  	 	22	  	 	 	0.46	% 	 	 	22	  	 	 	0.52	% 	 	 	23	  	 	 	0.57%	  	
Western Australia	  	 	11	  	 	 	0.29	% 	 	 	11	  	 	 	0.32	% 	 	 	11	  	 	 	0.38%	  	
South Australia	  	 	6	  	 	 	0.40	% 	 	 	6	  	 	 	0.45	% 	 	 	6	  	 	 	0.46%	  	
New Zealand	  	 	2	  	 	 	0.38	% 	 	 	2	  	 	 	0.50	% 	 	 	2	  	 	 	0.55%	  	
Australian Capital Territory	  	 	3	  	 	 	0.10	% 	 	 	3	  	 	 	0.09	% 	 	 	2	  	 	 	0.08%	  	
Tasmania	  	 	2	  	 	 	0.31	% 	 	 	2	  	 	 	0.32	% 	 	 	2	  	 	 	0.39%	  	
Northern Territory	  	 	1	  	 	 	0.25	% 	 	 	1	  	 	 	0.16	% 	 	 	1	  	 	 	0.15%	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.34	% 	 	 	100	% 	 	 	0.37	% 	 	 	100	% 	 	 	0.41%	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
By Policy Year	  				 				 				 				 				 				
2005 and prior	  	 	27	% 	 	 	0.15	% 	 	 	28	% 	 	 	0.16	% 	 	 	29	% 	 	 	0.18%	  	
2006	  	 	8	  	 	 	0.54	% 	 	 	8	  	 	 	0.62	% 	 	 	9	  	 	 	0.65%	  	
2007	  	 	9	  	 	 	0.69	% 	 	 	9	  	 	 	0.76	% 	 	 	10	  	 	 	0.87%	  	
2008	  	 	8	  	 	 	0.85	% 	 	 	9	  	 	 	0.93	% 	 	 	10	  	 	 	1.01%	  	
2009	  	 	10	  	 	 	0.62	% 	 	 	11	  	 	 	0.67	% 	 	 	12	  	 	 	0.69%	  	
2010	  	 	8	  	 	 	0.34	% 	 	 	8	  	 	 	0.35	% 	 	 	9	  	 	 	0.32%	  	
2011	  	 	8	  	 	 	0.31	% 	 	 	8	  	 	 	0.29	% 	 	 	9	  	 	 	0.16%	  	
2012	  	 	11	  	 	 	0.19	% 	 	 	11	  	 	 	0.16	% 	 	 	12	  	 	 	0.02%	  	
2013	  	 	11	  	 	 	0.02	% 	 	 	8	  	 	 	0.01	% 	 	 	—  	  	 	 	—  %	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.34	% 	 	 	100	% 	 	 	0.37	% 	 	 	100	% 	 	 	0.41%	  	

38

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(Australian dollar amounts in millions)

 	  	2013	 	 	 	 	  	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	  				 				 				 				  				 				 				 				 				
Flow	  	$	41	  	  	$	39	  	 	$	44	  	 	$	59	  	 	$	183	  	  	$	70	  	 	$	79	  	 	$	70	  	 	$	66	  	 	$	285	  	
Bulk	  	 	—  	  	  	 	2	  	 	 	—  	  	 	 	—  	  	 	 	2	  	  	 	1	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	41	  	  	$	41	  	 	$	44	  	 	$	59	  	 	$	185	  	  	$	71	  	 	$	80	  	 	$	70	  	 	$	66	  	 	$	287	  	

Average Paid Claim (in thousands)	  	$	71.5	  	  	$	79.9	  	 	$	80.3	  	 	$	81.4	  	 				  	$	80.9	  	 	$	83.5	  	 	$	91.2	  	 	$	77.1	  	 				
	 										
Average Reserve Per Delinquency (in thousands)	  	$	38.6	  	  	$	38.8	  	 	$	37.7	  	 	$	38.9	  	 				  	$	41.2	  	 	$	40.8	  	 	$	41.5	  	 	$	42.2	  	 				
	 										
Loss Metrics	  			 	  				 				 				 				  				 				 				 				 				
Beginning Reserves	  	$	212	  	  	$	220	  	 	$	228	  	 	$	241	  	 				  	$	277	  	 	$	312	  	 	$	331	  	 	$	266	  	 				
Paid claims	  	 	(41	) 	  	 	(41	) 	 	 	(44	) 	 	 	(59	) 	 				  	 	(71	) 	 	 	(80	) 	 	 	(70	) 	 	 	(66	) 	 				
Increase in reserves	  	 	21	  	  	 	33	  	 	 	36	  	 	 	46	  	 				  	 	35	  	 	 	45	  	 	 	51	  	 	 	131	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	192	  	  	$	212	  	 	$	220	  	 	$	228	  	 				  	$	241	  	 	$	277	  	 	$	312	  	 	$	331	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount	  			 	  				 				 				 				  				 				 				 				 				
	 										
Over $550K	  	 	12	% 	  	 	12	% 	 	 	12	% 	 	 	12	% 	 				  	 	12	% 	 	 	11	% 	 	 	11	% 	 	 	11	% 	 				
$400K to $550K	  	 	17	  	  	 	17	  	 	 	17	  	 	 	16	  	 				  	 	16	  	 	 	16	  	 	 	16	  	 	 	15	  	 				
$250K to $400K	  	 	37	  	  	 	37	  	 	 	37	  	 	 	37	  	 				  	 	37	  	 	 	37	  	 	 	36	  	 	 	36	  	 				
$100K to $250K	  	 	28	  	  	 	28	  	 	 	28	  	 	 	29	  	 				  	 	29	  	 	 	30	  	 	 	30	  	 	 	31	  	 				
$100K or Less	  	 	6	  	  	 	6	  	 	 	6	  	 	 	6	  	 				  	 	6	  	 	 	6	  	 	 	7	  	 	 	7	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				

Average Primary Loan Size (in thousands)	  	$	203	  	  	$	202	  	 	$	200	  	 	$	198	  	 				  	$	197	  	 	$	195	  	 	$	193	  	 	$	192	  	 				
Average Effective Loan-To-Value Ratios By Policy Year (1), (2) 	  				  				 				 				 				  				 				 				 				 				
											
2006 and prior	  	 	41	% 	  	 	43	% 	 	 	47	% 	 	 	48	% 	 				  	 	48	% 	 	 	49	% 	 	 	49	% 	 	 	48	% 	 				
2007	  	 	64	% 	  	 	66	% 	 	 	67	% 	 	 	68	% 	 				  	 	68	% 	 	 	69	% 	 	 	69	% 	 	 	67	% 	 				
2008	  	 	72	% 	  	 	74	% 	 	 	74	% 	 	 	76	% 	 				  	 	76	% 	 	 	77	% 	 	 	77	% 	 	 	74	% 	 				
2009	  	 	75	% 	  	 	77	% 	 	 	77	% 	 	 	79	% 	 				  	 	79	% 	 	 	80	% 	 	 	80	% 	 	 	78	% 	 				
2010	  	 	80	% 	  	 	83	% 	 	 	83	% 	 	 	85	% 	 				  	 	85	% 	 	 	86	% 	 	 	86	% 	 	 	85	% 	 				
2011	  	 	82	% 	  	 	85	% 	 	 	85	% 	 	 	87	% 	 				  	 	87	% 	 	 	88	% 	 	 	88	% 	 	 	86	% 	 				
2012	  	 	82	% 	  	 	85	% 	 	 	85	% 	 	 	86	% 	 				  	 	85	% 	 	 	86	% 	 	 	86	% 	 	 	—  	% 	 				
2013	  	 	85	% 	  	 	87	% 	 	 	87	% 	 	 	—  	% 	 				  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 				
Total Flow	  	 	64	% 	  	 	65	% 	 	 	68	% 	 	 	69	% 	 				  	 	68	% 	 	 	68	% 	 	 	68	% 	 	 	66	% 	 				
											
Total Bulk	  	 	31	% 	  	 	32	% 	 	 	37	% 	 	 	38	% 	 				  	 	38	% 	 	 	38	% 	 	 	38	% 	 	 	38	% 	 				
Total	  	 	60	% 	  	 	61	% 	 	 	65	% 	 	 	66	% 	 				  	 	65	% 	 	 	65	% 	 	 	65	% 	 	 	63	% 	 				
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.	
(2)  	Beginning in the third quarter of 2013, data from RP Data extended back to 1999. Previously, the data extended back to 2002. Previous periods were not re-presented for this change.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

Risk In-Force by Loan-To-Value Ratio (1 ) 	  	December 31, 2013	 	  	September 30, 2013	 	
 	  	Primary	 	  	Flow	 	  	Bulk	 	  	Primary	 	  	Flow	 	  	Bulk	 	
Canada	  				  				  				  				  				  				
95.01% and above	  	$	37,366	  	  	$	37,366	  	  	$	—  	  	  	$	37,612	  	  	$	37,612	  	  	$	—  	  	
90.01% to 95.00%	  	 	25,591	  	  	 	25,589	  	  	 	2	  	  	 	26,007	  	  	 	26,005	  	  	 	2	  	
80.01% to 90.00%	  	 	19,443	  	  	 	16,256	  	  	 	3,187	  	  	 	19,686	  	  	 	16,605	  	  	 	3,081	  	
80.00% and below	  	 	21,896	  	  	 	3,114	  	  	 	18,782	  	  	 	21,957	  	  	 	3,154	  	  	 	18,803	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Canada	  	$	104,296	  	  	$	82,325	  	  	$	21,971	  	  	$	105,262	  	  	$	83,375	  	  	$	21,887	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Australia	  				  				  				  				  				  				
95.01% and above	  	$	17,901	  	  	$	17,900	  	  	$	1	  	  	$	18,269	  	  	$	18,268	  	  	$	1	  	
90.01% to 95.00%	  	 	22,139	  	  	 	22,131	  	  	 	8	  	  	 	22,413	  	  	 	22,405	  	  	 	8	  	
80.01% to 90.00%	  	 	24,290	  	  	 	24,200	  	  	 	90	  	  	 	24,973	  	  	 	24,877	  	  	 	96	  	
80.00% and below	  	 	29,425	  	  	 	22,430	  	  	 	6,995	  	  	 	30,783	  	  	 	23,290	  	  	 	7,493	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Australia	  	$	93,755	  	  	$	86,661	  	  	$	7,094	  	  	$	96,438	  	  	$	88,840	  	  	$	7,598	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Other Countries (2)	  				  				  				  				  				  				
95.01% and above	  	$	593	  	  	$	593	  	  	$	—  	  	  	$	718	  	  	$	718	  	  	$	—  	  	
90.01% to 95.00%	  	 	1,770	  	  	 	1,705	  	  	 	65	  	  	 	2,086	  	  	 	2,032	  	  	 	54	  	
80.01% to 90.00%	  	 	1,047	  	  	 	763	  	  	 	284	  	  	 	1,258	  	  	 	1,026	  	  	 	232	  	
80.00% and below	  	 	228	  	  	 	184	  	  	 	43	  	  	 	247	  	  	 	216	  	  	 	30	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Other Countries	  	$	3,638	  	  	$	3,246	  	  	$	392	  	  	$	4,308	  	  	$	3,992	  	  	$	316	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
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 $316 million and $285 million, respectively, of risk in-force in Europe ceded under quota share reinsurance agreements as of December 31, 2013 and September 30, 2013.	
 
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U.S. Mortgage Insurance Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss) and Sales—U.S. Mortgage Insurance Segment
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	142	  	 	$	137	  	 	$	141	  	 	$	134	  	 	$	554	  	 	$	138	  	 	$	138	  	 	$	137	  	 	$	136	  	 	$	549	  	
Net investment income	  	 	13	  	 	 	18	  	 	 	10	  	 	 	19	  	 	 	60	  	 	 	12	  	 	 	20	  	 	 	13	  	 	 	23	  	 	 	68	  	
Net investment gains (losses)	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	11	  	 	 	(2	) 	 	 	—  	  	 	 	27	  	 	 	36	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	—  	  	 	 	20	  	 	 	2	  	 	 	23	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	155	  	 	 	156	  	 	 	151	  	 	 	154	  	 	 	616	  	 	 	162	  	 	 	156	  	 	 	170	  	 	 	188	  	 	 	676	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	108	  	 	 	123	  	 	 	97	  	 	 	84	  	 	 	412	  	 	 	180	  	 	 	174	  	 	 	174	  	 	 	197	  	 	 	725	  	
Acquisition and operating expenses, net of deferrals	  	 	35	  	 	 	35	  	 	 	35	  	 	 	39	  	 	 	144	  	 	 	36	  	 	 	40	  	 	 	33	  	 	 	34	  	 	 	143	  	
Amortization of deferred acquisition costs and intangibles	  	 	1	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	6	  	 	 	1	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	5	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	144	  	 	 	160	  	 	 	134	  	 	 	124	  	 	 	562	  	 	 	217	  	 	 	215	  	 	 	209	  	 	 	232	  	 	 	873	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	11	  	 	 	(4	) 	 	 	17	  	 	 	30	  	 	 	54	  	 	 	(55	) 	 	 	(59	) 	 	 	(39	) 	 	 	(44	) 	 	 	(197	) 	
Provision (benefit) for income taxes	  	 	5	  	 	 	(1	) 	 	 	4	  	 	 	9	  	 	 	17	  	 	 	(30	) 	 	 	(22	) 	 	 	(14	) 	 	 	(17	) 	 	 	(83	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	6	  	 	 	(3	) 	 	 	13	  	 	 	21	  	 	 	37	  	 	 	(25	) 	 	 	(37	) 	 	 	(25	) 	 	 	(27	) 	 	 	(114	) 	
	 										
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(7	) 	 	 	—  	  	 	 	—  	  	 	 	(17	) 	 	 	(24	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	6	  	 	$	(3	) 	 	$	13	  	 	$	21	  	 	$	37	  	 	$	(32	) 	 	$	(37	) 	 	$	(25	) 	 	$	(44	) 	 	$	(138	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income (loss))	  	 	45.0	% 	 	 	14.0	% 	 	 	22.9	% 	 	 	30.1	% 	 	 	31.6	% 	 	 	50.7	% 	 	 	36.8	% 	 	 	37.0	% 	 	 	37.7	% 	 	 	41.0	% 	
											
SALES:	  				 				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				 				 				 				 				 				 				 				 				 				
Flow	  	$	4,900	  	 	$	6,400	  	 	$	6,300	  	 	$	4,700	  	 	$	22,300	  	 	$	5,100	  	 	$	4,700	  	 	$	3,600	  	 	$	3,000	  	 	$	16,400	  	
Bulk	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Mortgage Insurance NIW	  	$	4,900	  	 	$	6,400	  	 	$	6,300	  	 	$	4,700	  	 	$	22,300	  	 	$	5,100	  	 	$	4,700	  	 	$	3,600	  	 	$	3,000	  	 	$	16,400	  	

 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Other Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  	$	148	  	 	$	140	  	 	$	144	  	 	$	135	  	 	$	567	  	 	$	140	  	 	$	135	  	 	$	139	  	 	$	140	  	 	$	554	  	
	 										
New Risk Written	  			 	 				 				 				 				 				 				 				 				 				
Flow	  	$	1,196	  	 	$	1,577	  	 	$	1,478	  	 	$	1,091	  	 	$	5,342	  	 	$	1,188	  	 	$	1,130	  	 	$	843	  	 	$	688	  	 	$	3,849	  	
Bulk	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	7	  	 	 	7	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	1,196	  	 	 	1,577	  	 	 	1,478	  	 	 	1,091	  	 	 	5,342	  	 	 	1,188	  	 	 	1,130	  	 	 	843	  	 	 	695	  	 	 	3,856	  	
Pool	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total New Risk Written	  	$	1,196	  	 	$	1,577	  	 	$	1,478	  	 	$	1,091	  	 	$	5,342	  	 	$	1,188	  	 	$	1,130	  	 	$	843	  	 	$	695	  	 	$	3,856	  	

Primary Insurance In-Force	  	$	109,300	  	 	$	109,000	  	 	$	108,800	  	 	$	109,300	  	 				 	$	110,000	  	 	$	111,100	  	 	$	112,000	  	 	$	113,800	  	 				
	 										
Risk In-Force	  			 	 				 				 				 				 				 				 				 				 				
Flow	  	$	26,327	  	 	$	26,194	  	 	$	25,957	  	 	$	25,626	  	 				 	$	25,716	  	 	$	25,849	  	 	$	25,887	  	 	$	26,137	  	 				
Bulk (1)	  	 	448	  	 	 	456	  	 	 	463	  	 	 	485	  	 				 	 	491	  	 	 	507	  	 	 	514	  	 	 	520	  	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Primary	  	 	26,775	  	 	 	26,650	  	 	 	26,420	  	 	 	26,111	  	 				 	 	26,207	  	 	 	26,356	  	 	 	26,401	  	 	 	26,657	  	 				
Pool	  	 	177	  	 	 	187	  	 	 	196	  	 	 	205	  	 				 	 	211	  	 	 	221	  	 	 	229	  	 	 	239	  	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Risk In-Force	  	$	26,952	  	 	$	26,837	  	 	$	26,616	  	 	$	26,316	  	 				 	$	26,418	  	 	$	26,577	  	 	$	26,630	  	 	$	26,896	  	 				

Primary Risk In-Force Subject To Captives	  	 	9	% 	 	 	10	% 	 	 	11	% 	 	 	12	% 	 				 	 	14	% 	 	 	15	% 	 	 	27	% 	 	 	31	% 	 				
	 										
Primary Risk In-Force That Is GSE Conforming	  	 	97	% 	 	 	97	% 	 	 	97	% 	 	 	97	% 	 				 	 	97	% 	 	 	97	% 	 	 	96	% 	 	 	96	% 	 				
	 										
GAAP Basis Expense Ratio (2)	  	 	26	% 	 	 	26	% 	 	 	26	% 	 	 	30	% 	 	 	27	% 	 	 	27	% 	 	 	30	% 	 	 	25	% 	 	 	26	% 	 	 	27	% 	
	 										
Adjusted Expense Ratio (3)	  	 	25	% 	 	 	26	% 	 	 	25	% 	 	 	30	% 	 	 	27	% 	 	 	27	% 	 	 	30	% 	 	 	25	% 	 	 	25	% 	 	 	27	% 	
	 										
Flow Persistency	  	 	83	% 	 	 	79	% 	 	 	81	% 	 	 	80	% 	 				 	 	79	% 	 	 	81	% 	 	 	82	% 	 	 	81	% 	 				
	 										
Gross Written Premiums Ceded To Captives/Total Direct Written Premiums	  	 	3	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 				 	 	5	% 	 	 	8	% 	 	 	10	% 	 	 	12	% 	 				
	 										
Risk To Capital Ratio (4)	  	 	19.5:1	  	 	 	22.4:1	  	 	 	22.4:1	  	 	 	24.2:1	  	 				 	 	30.4:1	  	 	 	29.8:1	  	 	 	29.5:1	  	 	 	28.6:1	  	 				
	 										
Average Primary Loan Size (in thousands)	  	$	175	  	 	$	174	  	 	$	172	  	 	$	168	  	 				 	$	167	  	 	$	166	  	 	$	165	  	 	$	164	  	 				
	 										
Estimated Savings For Loss Mitigation Activities (5)	  	$	124	  	 	$	136	  	 	$	144	  	 	$	159	  	 	$	563	  	 	$	165	  	 	$	189	  	 	$	162	  	 	$	158	  	 	$	674	  	
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)  	As of December 31, 2013, 84% of our bulk risk in-force was related to loans financed by lenders who participated in the mortgage programs sponsored by the Federal Home Loan Banks.	
(2)  	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.	
(3)  	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.	
(4)  	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 49 states in its primary writing entity, which has maintained a risk to capital ratio below the maximum requirement since June 30, 2013. The remaining state is written out of another available entity. However, as of January 20, 2014, all new business will be written out of the U.S. mortgage insurance business’ primary writing entity. 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.	
(5)  	Loss mitigation activities are defined as rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled pre-sales, 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. Estimated savings related to claims mitigation activities represent amounts deducted or “curtailed” from claims due to acts or omissions by the servicer with respect to the servicing of an insured loan that is not in compliance with obligations under our master policy. For non-cure related actions, including pre-sales, the estimated savings represent the difference between the full claim obligation and the actual amount paid. Loans subject to our loss mitigation actions, the results of which have been included in our reported estimated loss mitigations savings, are subject to re-default and may result in a potential claim in future periods as well as potential future loss mitigation savings depending on the resolution of the re-defaulted loan.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Loss Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	  				 				 				 				 				 				 				 				 				
Flow	  			 	  				 				 				 				 				 				 				 				 				
Direct	  	$	198	  	  	$	216	  	 	$	197	  	 	$	253	  	 	$	864	  	 	$	260	  	 	$	272	  	 	$	295	  	 	$	283	  	 	$	1,110	  	
Assumed (1)	  	 	8	  	  	 	9	  	 	 	12	  	 	 	13	  	 	 	42	  	 	 	17	  	 	 	19	  	 	 	23	  	 	 	20	  	 	 	79	  	
Ceded	  	 	(8	) 	  	 	(9	) 	 	 	(11	) 	 	 	(17	) 	 	 	(45	) 	 	 	(19	) 	 	 	(25	) 	 	 	(55	) 	 	 	(39	) 	 	 	(138	) 	
Loss adjustment expenses	  	 	6	  	  	 	6	  	 	 	6	  	 	 	6	  	 	 	24	  	 	 	8	  	 	 	7	  	 	 	7	  	 	 	9	  	 	 	31	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	  	 	204	  	  	 	222	  	 	 	204	  	 	 	255	  	 	 	885	  	 	 	266	  	 	 	273	  	 	 	270	  	 	 	273	  	 	 	1,082	  	
Bulk	  	 	2	  	  	 	3	  	 	 	6	  	 	 	3	  	 	 	14	  	 	 	3	  	 	 	3	  	 	 	6	  	 	 	4	  	 	 	16	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	206	  	  	 	225	  	 	 	210	  	 	 	258	  	 	 	899	  	 	 	269	  	 	 	276	  	 	 	276	  	 	 	277	  	 	 	1,098	  	
Pool	  	 	1	  	  	 	1	  	 	 	2	  	 	 	1	  	 	 	5	  	 	 	2	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	7	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	207	  	  	$	226	  	 	$	212	  	 	$	259	  	 	$	904	  	 	$	271	  	 	$	277	  	 	$	278	  	 	$	279	  	 	$	1,105	  	

Average Paid Claim (in thousands)	  	$	45.3	  	  	$	45.3	  	 	$	45.0	  	 	$	44.2	  	 				 	$	43.7	  	 	$	41.1	  	 	$	38.3	  	 	$	43.6	  	 				
	 										
Average Direct Paid Claim (in thousands) (2) 	  	$	43.5	  	  	$	43.5	  	 	$	42.3	  	 	$	43.5	  	 				 	$	43.2	  	 	$	41.7	  	 	$	42.5	  	 	$	42.7	  	 				
	 										
Average Reserve Per Delinquency (in thousands)	  			 	  				 				 				 				 				 				 				 				 				
Flow	  	$	29.4	  	  	$	29.6	  	 	$	30.0	  	 	$	29.8	  	 				 	$	29.7	  	 	$	30.0	  	 	$	30.6	  	 	$	30.6	  	 				
Bulk loans with established reserve	  	 	19.7	  	  	 	20.0	  	 	 	20.8	  	 	 	21.9	  	 				 	 	25.1	  	 	 	24.3	  	 	 	25.0	  	 	 	24.1	  	 				
Bulk loans with no reserve (3)	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 				 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 				
	 										
Reserves:	  			 	  				 				 				 				 				 				 				 				 				
Flow direct case	  	$	1,277	  	  	$	1,377	  	 	$	1,471	  	 	$	1,566	  	 				 	$	1,728	  	 	$	1,835	  	 	$	1,954	  	 	$	2,087	  	 				
Bulk direct case	  	 	27	  	  	 	28	  	 	 	29	  	 	 	33	  	 				 	 	33	  	 	 	33	  	 	 	32	  	 	 	34	  	 				
Assumed (1)	  	 	35	  	  	 	39	  	 	 	51	  	 	 	57	  	 				 	 	65	  	 	 	50	  	 	 	53	  	 	 	60	  	 				
All other (4)	  	 	143	  	  	 	143	  	 	 	145	  	 	 	164	  	 				 	 	183	  	 	 	196	  	 	 	195	  	 	 	200	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Reserves	  	$	1,482	  	  	$	1,587	  	 	$	1,696	  	 	$	1,820	  	 				 	$	2,009	  	 	$	2,114	  	 	$	2,234	  	 	$	2,381	  	 				

Beginning Reserves	  	$	1,587	  	  	$	1,696	  	 	$	1,820	  	 	$	2,009	  	 	$	2,009	  	 	$	2,114	  	 	$	2,234	  	 	$	2,381	  	 	$	2,488	  	 	$	2,488	  	
Paid claims	  	 	(215	) 	  	 	(235	) 	 	 	(223	) 	 	 	(276	) 	 	 	(949	) 	 	 	(290	) 	 	 	(302	) 	 	 	(333	) 	 	 	(318	) 	 	 	(1,243	) 	
Increase in reserves	  	 	110	  	  	 	126	  	 	 	99	  	 	 	87	  	 	 	422	  	 	 	185	  	 	 	182	  	 	 	186	  	 	 	211	  	 	 	764	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reserves	  	$	1,482	  	  	$	1,587	  	 	$	1,696	  	 	$	1,820	  	 	$	1,482	  	 	$	2,009	  	 	$	2,114	  	 	$	2,234	  	 	$	2,381	  	 	$	2,009	  	

Beginning Reinsurance Recoverable (5)	  	$	50	  	  	$	56	  	 	$	66	  	 	$	80	  	 	$	80	  	 	$	94	  	 	$	111	  	 	$	153	  	 	$	178	  	 	$	178	  	
Ceded paid claims	  	 	(8	) 	  	 	(9	) 	 	 	(11	) 	 	 	(17	) 	 	 	(45	) 	 	 	(19	) 	 	 	(25	) 	 	 	(55	) 	 	 	(39	) 	 	 	(138	) 	
Increase in recoverable	  	 	2	  	  	 	3	  	 	 	1	  	 	 	3	  	 	 	9	  	 	 	5	  	 	 	8	  	 	 	13	  	 	 	14	  	 	 	40	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reinsurance Recoverable	  	$	44	  	  	$	50	  	 	$	56	  	 	$	66	  	 	$	44	  	 	$	80	  	 	$	94	  	 	$	111	  	 	$	153	  	 	$	80	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (6) 	  	 	76	% 	  	 	90	% 	 	 	70	% 	 	 	62	% 	 	 	74	% 	 	 	130	% 	 	 	127	% 	 	 	127	% 	 	 	146	% 	 	 	132	% 	
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 139% for the three months ended March 31, 2012, 133% for the six months ended June 30, 2012, 131% for the nine months ended September 30, 2012 and 131% for the twelve months ended December 31, 2012.	
 
44

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Delinquency Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	 	2013	 	 	2012	 	
 	 	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Number of Primary Delinquencies	 			 	  				 				 				 				 				 				 				 				 				
Flow	 	 	49,255	  	  	 	52,509	  	 	 	55,413	  	 	 	59,789	  	 				 	 	66,340	  	 	 	69,174	  	 	 	71,878	  	 	 	76,478	  	 				
Bulk loans with an established reserve	 	 	1,491	  	  	 	1,509	  	 	 	1,526	  	 	 	1,603	  	 				 	 	1,415	  	 	 	1,441	  	 	 	1,381	  	 	 	1,522	  	 				
Bulk loans with no reserve (1)	 	 	713	  	  	 	726	  	 	 	1,260	  	 	 	1,412	  	 				 	 	1,484	  	 	 	1,512	  	 	 	1,424	  	 	 	1,474	  	 				
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Number of Primary Delinquencies	 	 	51,459	  	  	 	54,744	  	 	 	58,199	  	 	 	62,804	  	 				 	 	69,239	  	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 				

Beginning Number of Primary Delinquencies	 	 	54,744	  	  	 	58,199	  	 	 	62,804	  	 	 	69,239	  	 	 	69,239	  	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 	 	87,007	  	 	 	87,007	  	
New delinquencies	 	 	13,205	  	  	 	14,105	  	 	 	13,192	  	 	 	15,060	  	 	 	55,562	  	 	 	16,871	  	 	 	17,733	  	 	 	16,703	  	 	 	18,217	  	 	 	69,524	  	
Delinquency cures	 	 	(11,974	) 	  	 	(12,603	) 	 	 	(13,127	) 	 	 	(15,677	) 	 	 	(53,381	) 	 	 	(13,592	) 	 	 	(13,598	) 	 	 	(14,251	) 	 	 	(19,388	) 	 	 	(60,829	) 	
Paid claims	 	 	(4,516	) 	  	 	(4,957	) 	 	 	(4,670	) 	 	 	(5,818	) 	 	 	(19,961	) 	 	 	(6,167	) 	 	 	(6,691	) 	 	 	(7,243	) 	 	 	(6,362	) 	 	 	(26,463	) 	
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Number of Primary Delinquencies	 	 	51,459	  	  	 	54,744	  	 	 	58,199	  	 	 	62,804	  	 	 	51,459	  	 	 	69,239	  	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 	 	69,239	  	
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Composition of Cures	 			 	  				 				 				 				 				 				 				 				 				
Reported delinquent and cured-intraquarter	 	 	2,107	  	  	 	2,488	  	 	 	2,447	  	 	 	3,519	  	 				 	 	2,557	  	 	 	2,882	  	 	 	2,354	  	 	 	3,582	  	 				
Number of missed payments delinquent prior to cure:	 			 	  				 				 				 				 				 				 				 				 				
3 payments or less	 	 	6,253	  	  	 	6,291	  	 	 	6,748	  	 	 	8,125	  	 				 	 	7,120	  	 	 	6,289	  	 	 	7,399	  	 	 	10,154	  	 				
4 - 11 payments	 	 	2,385	  	  	 	2,387	  	 	 	2,737	  	 	 	2,856	  	 				 	 	2,516	  	 	 	2,965	  	 	 	3,371	  	 	 	3,569	  	 				
12 payments or more	 	 	1,229	  	  	 	1,437	  	 	 	1,195	  	 	 	1,177	  	 				 	 	1,399	  	 	 	1,462	  	 	 	1,127	  	 	 	2,083	  	 				
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	 	 	11,974	  	  	 	12,603	  	 	 	13,127	  	 	 	15,677	  	 				 	 	13,592	  	 	 	13,598	  	 	 	14,251	  	 	 	19,388	  	 				
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Delinquencies by Missed Payment Status	 			 	  				 				 				 				 				 				 				 				 				
3 payments or less	 	 	13,992	  	  	 	14,078	  	 	 	13,871	  	 	 	14,674	  	 				 	 	17,563	  	 	 	17,684	  	 	 	16,708	  	 	 	17,260	  	 				
4 - 11 payments	 	 	12,410	  	  	 	13,134	  	 	 	14,503	  	 	 	16,804	  	 				 	 	18,155	  	 	 	18,713	  	 	 	20,830	  	 	 	24,137	  	 				
12 payments or more	 	 	25,057	  	  	 	27,532	  	 	 	29,825	  	 	 	31,326	  	 				 	 	33,521	  	 	 	35,730	  	 	 	37,145	  	 	 	38,077	  	 				
	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Delinquencies	 	 	51,459	  	  	 	54,744	  	 	 	58,199	  	 	 	62,804	  	 				 	 	69,239	  	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	 				

								
 	 	December 31, 2013	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
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	 	 	13,436	  	  	$	121	  	 	$	523	  	 	 	23	% 	 				 				 				 				 				 				
4 - 11 payments in default	 	 	11,854	  	  	 	305	  	 	 	486	  	 	 	63	% 	 				 				 				 				 				 				
12 payments or more in default	 	 	23,965	  	  	 	851	  	 	 	1,178	  	 	 	72	% 	 				 				 				 				 				 				
	 	 	 	 	  	 	 	 	 	 	 	 	 				 				 				 				 				 				 				
Total	 	 	49,255	  	  	$	1,277	  	 	$	2,187	  	 	 	58	% 	 				 				 				 				 				 				

 	 	December 31, 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	 	 	16,977	  	  	$	150	  	 	$	668	  	 	 	22	% 	 				 				 				 				 				 				
4 - 11 payments in default	 	 	17,398	  	  	 	441	  	 	 	749	  	 	 	59	% 	 				 				 				 				 				 				
12 payments or more in default	 	 	31,965	  	  	 	1,137	  	 	 	1,562	  	 	 	73	% 	 				 				 				 				 				 				
	 	 	 	 	  	 	 	 	 	 	 	 	 				 				 				 				 				 				 				
Total	 	 	66,340	  	  	$	1,728	  	 	$	2,979	  	 	 	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.	
 
45

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	
Risk In-Force by Credit Quality (1)	  			 	 				 				 				 				 				 				 				
Primary by FICO Scores >679	  	 	79	% 	 	 	79	% 	 	 	78	% 	 	 	76	% 	 	 	75	% 	 	 	74	% 	 	 	73	% 	 	 	72	% 	
Primary by FICO Scores 620-679	  	 	17	% 	 	 	17	% 	 	 	18	% 	 	 	19	% 	 	 	20	% 	 	 	21	% 	 	 	22	% 	 	 	23	% 	
Primary by FICO Scores 575-619	  	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	
Primary by FICO Scores <575	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
	 								
Flow by FICO Scores >679	  	 	79	% 	 	 	79	% 	 	 	77	% 	 	 	76	% 	 	 	75	% 	 	 	74	% 	 	 	73	% 	 	 	72	% 	
Flow by FICO Scores 620-679	  	 	17	% 	 	 	17	% 	 	 	19	% 	 	 	19	% 	 	 	20	% 	 	 	21	% 	 	 	22	% 	 	 	23	% 	
Flow by FICO Scores 575-619	  	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	
Flow by FICO Scores <575	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
	 								
Bulk by FICO Scores >679	  	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	 	 	89	% 	
Bulk by FICO Scores 620-679	  	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	 	 	9	% 	
Bulk by FICO Scores 575-619	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
Bulk by FICO Scores <575	  	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	 	 	1	% 	
	 								
Primary A minus	  	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	
Primary sub-prime (2)	  	 	2	% 	 	 	2	% 	 	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	3	% 	
Primary Loans	  			 	 				 				 				 				 				 				 				
Primary loans in-force	  	 	624,236	  	 	 	627,536	  	 	 	633,685	  	 	 	649,570	  	 	 	658,527	  	 	 	669,618	  	 	 	679,817	  	 	 	693,807	  	
Primary delinquent loans	  	 	51,459	  	 	 	54,744	  	 	 	58,199	  	 	 	62,804	  	 	 	69,239	  	 	 	72,127	  	 	 	74,683	  	 	 	79,474	  	
Primary delinquency rate	  	 	8.24	% 	 	 	8.72	% 	 	 	9.18	% 	 	 	9.67	% 	 	 	10.51	% 	 	 	10.77	% 	 	 	10.99	% 	 	 	11.45	% 	
	 								
Flow loans in-force	  	 	586,546	  	 	 	589,703	  	 	 	590,949	  	 	 	590,051	  	 	 	595,348	  	 	 	601,851	  	 	 	607,133	  	 	 	616,623	  	
Flow delinquent loans	  	 	49,255	  	 	 	52,509	  	 	 	55,413	  	 	 	59,789	  	 	 	66,340	  	 	 	69,174	  	 	 	71,878	  	 	 	76,478	  	
Flow delinquency rate	  	 	8.40	% 	 	 	8.90	% 	 	 	9.38	% 	 	 	10.13	% 	 	 	11.14	% 	 	 	11.49	% 	 	 	11.84	% 	 	 	12.40	% 	
	 								
Bulk loans in-force	  	 	37,690	  	 	 	37,833	  	 	 	42,736	  	 	 	59,519	  	 	 	63,179	  	 	 	67,767	  	 	 	72,684	  	 	 	77,184	  	
Bulk delinquent loans	  	 	2,204	  	 	 	2,235	  	 	 	2,786	  	 	 	3,015	  	 	 	2,899	  	 	 	2,953	  	 	 	2,805	  	 	 	2,996	  	
Bulk delinquency rate	  	 	5.85	% 	 	 	5.91	% 	 	 	6.52	% 	 	 	5.07	% 	 	 	4.59	% 	 	 	4.36	% 	 	 	3.86	% 	 	 	3.88	% 	
	 								
A minus and sub-prime loans in-force	  	 	39,307	  	 	 	41,081	  	 	 	42,993	  	 	 	44,873	  	 	 	46,631	  	 	 	48,696	  	 	 	50,676	  	 	 	52,625	  	
A minus and sub-prime delinquent loans	  	 	10,023	  	 	 	10,548	  	 	 	10,803	  	 	 	11,484	  	 	 	12,817	  	 	 	13,149	  	 	 	13,534	  	 	 	14,258	  	
A minus and sub-prime delinquency rate	  	 	25.50	% 	 	 	25.68	% 	 	 	25.13	% 	 	 	25.59	% 	 	 	27.49	% 	 	 	27.00	% 	 	 	26.71	% 	 	 	27.09	% 	
	 								
Pool Loans	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Pool loans in-force	  	 	11,354	  	 	 	11,657	  	 	 	12,063	  	 	 	12,558	  	 	 	12,949	  	 	 	13,237	  	 	 	13,562	  	 	 	13,942	  	
Pool delinquent loans	  	 	628	  	 	 	670	  	 	 	634	  	 	 	674	  	 	 	721	  	 	 	670	  	 	 	679	  	 	 	695	  	
Pool delinquency rate	  	 	5.53	% 	 	 	5.75	% 	 	 	5.26	% 	 	 	5.37	% 	 	 	5.57	% 	 	 	5.06	% 	 	 	5.01	% 	 	 	4.98	% 	

(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
FOURTH QUARTER 2013
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

 	  	December 31, 2013	 	 	September 30, 2013	 	 	December 31, 2012	 	
 	  	% 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)	  	 	32	% 	 	 	20	% 	 	 	11.02	% 	 	 	33	% 	 	 	20	% 	 	 	11.87	% 	 	 	35	% 	 	 	21	% 	 	 	14.69	% 	
South Central (3)	  	 	8	  	 	 	16	  	 	 	5.85	% 	 	 	8	  	 	 	16	  	 	 	6.03	% 	 	 	9	  	 	 	15	  	 	 	7.71	% 	
Northeast (4)	  	 	20	  	 	 	15	  	 	 	12.30	% 	 	 	19	  	 	 	15	  	 	 	12.52	% 	 	 	16	  	 	 	15	  	 	 	13.32	% 	
Pacific (5)	  	 	11	  	 	 	12	  	 	 	6.47	% 	 	 	11	  	 	 	12	  	 	 	7.11	% 	 	 	12	  	 	 	12	  	 	 	9.72	% 	
North Central (6)	  	 	11	  	 	 	11	  	 	 	7.39	% 	 	 	11	  	 	 	11	  	 	 	8.00	% 	 	 	11	  	 	 	12	  	 	 	9.81	% 	
Great Lakes (7)	  	 	6	  	 	 	10	  	 	 	6.03	% 	 	 	6	  	 	 	10	  	 	 	6.46	% 	 	 	6	  	 	 	9	  	 	 	7.78	% 	
New England (8)	  	 	4	  	 	 	6	  	 	 	7.74	% 	 	 	4	  	 	 	6	  	 	 	8.19	% 	 	 	4	  	 	 	6	  	 	 	9.63	% 	
Mid-Atlantic (9)	  	 	5	  	 	 	5	  	 	 	8.18	% 	 	 	5	  	 	 	5	  	 	 	8.47	% 	 	 	4	  	 	 	5	  	 	 	9.87	% 	
Plains (10)	  	 	3	  	 	 	5	  	 	 	5.46	% 	 	 	3	  	 	 	5	  	 	 	5.70	% 	 	 	3	  	 	 	5	  	 	 	6.62	% 	
	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	 	 	100	% 	 	 	8.24	% 	 	 	100	% 	 	 	100	% 	 	 	8.72	% 	 	 	100	% 	 	 	100	% 	 	 	10.51	% 	

By State	  				 				 				 				 				 				 				 				 				
California	  	 	4	% 	 	 	7	% 	 	 	4.27	% 	 	 	4	% 	 	 	7	% 	 	 	4.72	% 	 	 	5	% 	 	 	6	% 	 	 	7.25	% 	
Texas	  	 	3	% 	 	 	7	% 	 	 	5.68	% 	 	 	3	% 	 	 	7	% 	 	 	5.68	% 	 	 	3	% 	 	 	7	% 	 	 	6.86	% 	
New York	  	 	9	% 	 	 	7	% 	 	 	11.90	% 	 	 	8	% 	 	 	7	% 	 	 	11.81	% 	 	 	7	% 	 	 	7	% 	 	 	11.85	% 	
Florida	  	 	22	% 	 	 	6	% 	 	 	19.50	% 	 	 	22	% 	 	 	6	% 	 	 	21.13	% 	 	 	25	% 	 	 	7	% 	 	 	26.24	% 	
Illinois	  	 	7	% 	 	 	5	% 	 	 	9.67	% 	 	 	7	% 	 	 	5	% 	 	 	10.81	% 	 	 	8	% 	 	 	5	% 	 	 	14.29	% 	
New Jersey	  	 	8	% 	 	 	4	% 	 	 	16.76	% 	 	 	8	% 	 	 	4	% 	 	 	17.66	% 	 	 	6	% 	 	 	4	% 	 	 	19.44	% 	
Pennsylvania	  	 	3	% 	 	 	4	% 	 	 	9.73	% 	 	 	3	% 	 	 	4	% 	 	 	9.91	% 	 	 	3	% 	 	 	4	% 	 	 	11.23	% 	
Georgia	  	 	3	% 	 	 	4	% 	 	 	8.48	% 	 	 	3	% 	 	 	4	% 	 	 	9.24	% 	 	 	3	% 	 	 	4	% 	 	 	11.88	% 	
North Carolina	  	 	2	% 	 	 	4	% 	 	 	7.43	% 	 	 	3	% 	 	 	4	% 	 	 	8.06	% 	 	 	3	% 	 	 	4	% 	 	 	9.99	% 	
Ohio	  	 	2	% 	 	 	4	% 	 	 	6.69	% 	 	 	2	% 	 	 	4	% 	 	 	7.09	% 	 	 	2	% 	 	 	3	% 	 	 	8.03	% 	

(1)  	Total reserves were $1,482 million, $1,587 million and $2,009 million as of December 31, 2013, September 30, 2013 and December 31, 2012, 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)  	Alaska, California, Hawaii, Nevada, Oregon and Washington.	
(6)  	Illinois, Minnesota, Missouri and Wisconsin.	
(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
FOURTH QUARTER 2013
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(amounts in millions)

 	  	December 31, 2013	 	 	September 30, 2013	 	 	December 31, 2012	 	
 	  	Primary Risk
In-Force	 	  	Primary
Delinquency
Rate	 	 	Primary Risk
In-Force	 	  	Primary
Delinquency
Rate	 	 	Primary Risk
In-Force	 	  	Primary
Delinquency
Rate	 	
Lender concentration (by original applicant)	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	
Top 10 lenders	  	 	12,603	  	  	 	9.36	% 	 	 	12,736	  	  	 	9.87	% 	 	 	12,835	  	  	 	12.69	% 	
Top 20 lenders	  	 	14,447	  	  	 	9.26	% 	 	 	14,524	  	  	 	9.84	% 	 	 	14,521	  	  	 	12.40	% 	
							
Loan-to-value ratio	  				  				 				  				 				  				
95.01% and above	  	$	7,377	  	  	 	10.40	% 	 	$	7,444	  	  	 	10.75	% 	 	$	7,238	  	  	 	13.19	% 	
90.01% to 95.00%	  	 	9,966	  	  	 	7.41	% 	 	 	9,747	  	  	 	8.00	% 	 	 	9,297	  	  	 	10.00	% 	
80.01% to 90.00%	  	 	9,032	  	  	 	7.96	% 	 	 	9,052	  	  	 	8.53	% 	 	 	9,242	  	  	 	10.57	% 	
80.00% and below	  	 	400	  	  	 	3.69	% 	 	 	407	  	  	 	3.66	% 	 	 	430	  	  	 	3.54	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Loan grade	  				  				 				  				 				  				
Prime	  	$	25,320	  	  	 	7.08	% 	 	$	25,135	  	  	 	7.54	% 	 	$	24,527	  	  	 	9.22	% 	
A minus and sub-prime	  	 	1,455	  	  	 	25.50	% 	 	 	1,515	  	  	 	25.68	% 	 	 	1,680	  	  	 	27.49	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Loan type (1)	  				  				 				  				 				  				
First mortgages	  				  				 				  				 				  				
Fixed rate mortgage	  				  				 				  				 				  				
Flow	  	$	25,996	  	  	 	8.18	% 	 	$	25,843	  	  	 	8.68	% 	 	$	25,293	  	  	 	10.89	% 	
Bulk	  	 	432	  	  	 	5.58	% 	 	 	440	  	  	 	5.64	% 	 	 	473	  	  	 	4.43	% 	
Adjustable rate mortgage	  				  				 				  				 				  				
Flow	  	 	331	  	  	 	29.08	% 	 	 	351	  	  	 	28.82	% 	 	 	423	  	  	 	29.60	% 	
Bulk	  	 	16	  	  	 	14.37	% 	 	 	16	  	  	 	14.24	% 	 	 	18	  	  	 	11.74	% 	
Second mortgages	  	 	—  	  	  	 	—  	% 	 	 	—  	  	  	 	—  	% 	 	 	—  	  	  	 	—  	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Type of documentation	  				  				 				  				 				  				
Alt-A	  				  				 				  				 				  				
Flow	  	$	475	  	  	 	30.82	% 	 	$	501	  	  	 	31.50	% 	 	$	593	  	  	 	33.93	% 	
Bulk	  	 	30	  	  	 	12.44	% 	 	 	30	  	  	 	12.61	% 	 	 	35	  	  	 	6.24	% 	
Standard (2)	  				  				 				  				 				  				
Flow	  	 	25,852	  	  	 	8.03	% 	 	 	25,693	  	  	 	8.51	% 	 	 	25,123	  	  	 	10.67	% 	
Bulk	  	 	418	  	  	 	5.45	% 	 	 	426	  	  	 	5.48	% 	 	 	456	  	  	 	4.36	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Mortgage term	  				  				 				  				 				  				
15 years and under	  	$	1,111	  	  	 	0.86	% 	 	$	1,077	  	  	 	0.91	% 	 	$	816	  	  	 	1.27	% 	
More than 15 years	  	 	25,664	  	  	 	8.79	% 	 	 	25,573	  	  	 	9.30	% 	 	 	25,391	  	  	 	11.16	% 	
	  	 	 	 	  				 	 	 	 	  				 	 	 	 	  				
Total	  	$	26,775	  	  	 	8.24	% 	 	$	26,650	  	  	 	8.72	% 	 	$	26,207	  	  	 	10.51	% 	

(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
FOURTH QUARTER 2013
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	December 31, 2013	 	
Policy Year	  	Average
Rate (1)	 	 	% of Total
Reserves (2)	 	 	Primary
Insurance In-Force	 	 	% of Total	 	 	Primary
Risk In-Force	 	  	% of Total	 	 	Deliquency
Rate	 	
2002 and prior	  	 	7.33	% 	 	 	3.4	% 	 	$	1,937	  	 	 	1.8	% 	 	$	512	  	  	 	1.9	% 	 	 	18.80	% 	
2003	  	 	5.68	% 	 	 	3.7	  	 	 	2,989	  	 	 	2.7	  	 	 	628	  	  	 	2.4	  	 	 	12.40	% 	
2004	  	 	5.76	% 	 	 	4.8	  	 	 	2,997	  	 	 	2.7	  	 	 	711	  	  	 	2.7	  	 	 	13.10	% 	
2005	  	 	5.74	% 	 	 	12.5	  	 	 	5,765	  	 	 	5.3	  	 	 	1,527	  	  	 	5.7	  	 	 	15.51	% 	
2006	  	 	6.02	% 	 	 	18.2	  	 	 	8,475	  	 	 	7.7	  	 	 	2,143	  	  	 	8.0	  	 	 	16.05	% 	
2007	  	 	5.96	% 	 	 	37.7	  	 	 	19,867	  	 	 	18.2	  	 	 	4,959	  	  	 	18.5	  	 	 	15.04	% 	
2008	  	 	5.48	% 	 	 	18.0	  	 	 	17,734	  	 	 	16.2	  	 	 	4,464	  	  	 	16.7	  	 	 	8.09	% 	
2009	  	 	4.99	% 	 	 	0.6	  	 	 	3,404	  	 	 	3.1	  	 	 	747	  	  	 	2.8	  	 	 	1.76	% 	
2010	  	 	4.69	% 	 	 	0.5	  	 	 	4,450	  	 	 	4.1	  	 	 	1,026	  	  	 	3.8	  	 	 	1.04	% 	
2011	  	 	4.47	% 	 	 	0.4	  	 	 	5,975	  	 	 	5.5	  	 	 	1,451	  	  	 	5.4	  	 	 	0.76	% 	
2012	  	 	3.76	% 	 	 	0.2	  	 	 	13,996	  	 	 	12.8	  	 	 	3,380	  	  	 	12.6	  	 	 	0.21	% 	
2013	  	 	3.94	% 	 	 	—  	  	 	 	21,716	  	 	 	19.9	  	 	 	5,227	  	  	 	19.5	  	 	 	0.04	% 	
	  				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 				
Total	  	 	5.18	% 	 	 	100.0	% 	 	$	109,305	  	 	 	100.0	% 	 	$	26,775	  	  	 	100.0	% 	 	 	8.24	% 	

   	  	December 31, 2013	 	 	September 30, 2013	 	 	 	 	  	 	 	 	 	 	
Occupancy and Property Type	  	% of Primary
Risk In-Force	 	 	Deliquency
Rate	 	 	% of Primary
Risk In-Force	 	 	Deliquency
Rate	 	 	 	 	  	 	 	 	 	 	
Occupancy Status	  				 				 				 				 				  				 				
Primary residence	  	 	94.5	% 	 	 	8.19	% 	 	 	94.4	% 	 	 	8.67	% 	 				  				 				
Second home	  	 	2.9	  	 	 	8.63	% 	 	 	3.0	  	 	 	9.18	% 	 				  				 				
Non-owner occupied	  	 	2.6	  	 	 	9.17	% 	 	 	2.6	  	 	 	9.64	% 	 				  				 				
	  	 	 	 	 				 	 	 	 	 				 				  				 				
Total	  	 	100.0	% 	 	 	8.24	% 	 	 	100.0	% 	 	 	8.72	% 	 				  				 				
	  	 	 	 	 				 	 	 	 	 				 				  				 				
Property Type	  				 				 				 				 				  				 				
Single family detached	  	 	88.1	% 	 	 	7.95	% 	 	 	87.8	% 	 	 	8.39	% 	 				  				 				
Condominium and co-operative	  	 	10.2	  	 	 	9.45	% 	 	 	10.4	  	 	 	10.22	% 	 				  				 				
Multi-family and other	  	 	1.7	  	 	 	15.39	% 	 	 	1.8	  	 	 	15.83	% 	 				  				 				
	  	 	 	 	 				 	 	 	 	 				 				  				 				
Total	  	 	100.0	% 	 	 	8.24	% 	 	 	100.0	% 	 	 	8.72	% 	 				  				 				

(1)  	Average Annual Mortgage Interest Rate.	
(2)  	Total reserves were $1,482 million as of December 31, 2013.	
 
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Corporate and Other Division
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Net Operating Loss—Corporate and Other Division
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	 				 				 				 				 				 				 				 				 				
Premiums	  	$	159	  	 	$	160	  	 	$	156	  	 	$	166	  	 	$	641	  	 	$	166	  	 	$	165	  	 	$	176	  	 	$	180	  	 	$	687	  	
Net investment income	  	 	67	  	 	 	53	  	 	 	68	  	 	 	69	  	 	 	257	  	 	 	75	  	 	 	69	  	 	 	88	  	 	 	74	  	 	 	306	  	
Net investment gains (losses)	  	 	19	  	 	 	(24	) 	 	 	(9	) 	 	 	(52	) 	 	 	(66	) 	 	 	(6	) 	 	 	2	  	 	 	(23	) 	 	 	10	  	 	 	(17	) 	
Insurance and investment product fees and other	  	 	55	  	 	 	56	  	 	 	53	  	 	 	100	  	 	 	264	  	 	 	92	  	 	 	88	  	 	 	75	  	 	 	75	  	 	 	330	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	300	  	 	 	245	  	 	 	268	  	 	 	283	  	 	 	1,096	  	 	 	327	  	 	 	324	  	 	 	316	  	 	 	339	  	 	 	1,306	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	48	  	 	 	49	  	 	 	51	  	 	 	43	  	 	 	191	  	 	 	51	  	 	 	39	  	 	 	55	  	 	 	42	  	 	 	187	  	
Interest credited	  	 	30	  	 	 	28	  	 	 	29	  	 	 	32	  	 	 	119	  	 	 	32	  	 	 	33	  	 	 	34	  	 	 	33	  	 	 	132	  	
Acquisition and operating expenses, net of deferrals	  	 	135	  	 	 	162	  	 	 	140	  	 	 	179	  	 	 	616	  	 	 	194	  	 	 	171	  	 	 	176	  	 	 	178	  	 	 	719	  	
Amortization of deferred acquisition costs and intangibles	  	 	35	  	 	 	28	  	 	 	38	  	 	 	18	  	 	 	119	  	 	 	51	  	 	 	48	  	 	 	47	  	 	 	30	  	 	 	176	  	
Goodwill impairment	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	89	  	
Interest expense	  	 	89	  	 	 	90	  	 	 	89	  	 	 	94	  	 	 	362	  	 	 	89	  	 	 	93	  	 	 	99	  	 	 	73	  	 	 	354	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	337	  	 	 	357	  	 	 	347	  	 	 	366	  	 	 	1,407	  	 	 	417	  	 	 	473	  	 	 	411	  	 	 	356	  	 	 	1,657	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(37	) 	 	 	(112	) 	 	 	(79	) 	 	 	(83	) 	 	 	(311	) 	 	 	(90	) 	 	 	(149	) 	 	 	(95	) 	 	 	(17	) 	 	 	(351	) 	
Benefit for income taxes	  	 	(14	) 	 	 	(22	) 	 	 	(28	) 	 	 	(26	) 	 	 	(90	) 	 	 	(33	) 	 	 	(31	) 	 	 	(33	) 	 	 	(13	) 	 	 	(110	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	  	 	(23	) 	 	 	(90	) 	 	 	(51	) 	 	 	(57	) 	 	 	(221	) 	 	 	(57	) 	 	 	(118	) 	 	 	(62	) 	 	 	(4	) 	 	 	(241	) 	
Income (loss) from discontinued operations, net of taxes	  	 	—  	  	 	 	2	  	 	 	6	  	 	 	(20	) 	 	 	(12	) 	 	 	6	  	 	 	12	  	 	 	27	  	 	 	12	  	 	 	57	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	(23	) 	 	 	(88	) 	 	 	(45	) 	 	 	(77	) 	 	 	(233	) 	 	 	(51	) 	 	 	(106	) 	 	 	(35	) 	 	 	8	  	 	 	(184	) 	
ADJUSTMENTS TO NET INCOME (LOSS):	  			 	 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(10	) 	 	 	11	  	 	 	—  	  	 	 	21	  	 	 	22	  	 	 	8	  	 	 	—  	  	 	 	14	  	 	 	(6	) 	 	 	16	  	
Goodwill impairment, net of taxes	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	86	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	—  	  	 	 	20	  	 	 	—  	  	 	 	—  	  	 	 	20	  	 	 	4	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	4	  	
Expenses related to restructuring, net of taxes	  	 	—  	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
(Income) loss from discontinued operations, net of taxes	  	 	—  	  	 	 	(2	) 	 	 	(6	) 	 	 	20	  	 	 	12	  	 	 	(6	) 	 	 	(12	) 	 	 	(27	) 	 	 	(12	) 	 	 	(57	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	  	$	(33	) 	 	$	(59	) 	 	$	(48	) 	 	$	(36	) 	 	$	(176	) 	 	$	(45	) 	 	$	(32	) 	 	$	(48	) 	 	$	(10	) 	 	$	(135	) 	

Effective tax rate (operating loss)	  	 	37.5	% 	 	 	8.1	% 	 	 	35.9	% 	 	 	28.2	% 	 	 	27.4	% 	 	 	36.8	% 	 	 	45.2	% 	 	 	57.5	% 	 	 	63.6	% 	 	 	50.0	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss)—Corporate and Other Division
(amounts in millions)

				 	
Three months ended December 31, 2013	  	International
Protection Segment	 	 	Runoff Segment	 	 	Corporate and  Other (1) 	 	 	Total	 	
REVENUES:	  				 				 				 			 	
Premiums	  	$	158	  	 	$	1	  	 	$	—  	  	 	$	159	  	
Net investment income	  	 	29	  	 	 	38	  	 	 	—  	  	 	 	67	  	
Net investment gains (losses)	  	 	4	  	 	 	24	  	 	 	(9	) 	 	 	19	  	
Insurance and investment product fees and other	  	 	1	  	 	 	54	  	 	 	—  	  	 	 	55	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	192	  	 	 	117	  	 	 	(9	) 	 	 	300	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 			 	
Benefits and other changes in policy reserves	  	 	39	  	 	 	9	  	 	 	—  	  	 	 	48	  	
Interest credited	  	 	—  	  	 	 	30	  	 	 	—  	  	 	 	30	  	
Acquisition and operating expenses, net of deferrals	  	 	107	  	 	 	21	  	 	 	7	  	 	 	135	  	
Amortization of deferred acquisition costs and intangibles	  	 	27	  	 	 	9	  	 	 	(1	) 	 	 	35	  	
Interest expense	  	 	8	  	 	 	1	  	 	 	80	  	 	 	89	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	181	  	 	 	70	  	 	 	86	  	 	 	337	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	11	  	 	 	47	  	 	 	(95	) 	 	 	(37	) 	
Provision (benefit) for income taxes	  	 	(5	) 	 	 	15	  	 	 	(24	) 	 	 	(14	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	16	  	 	 	32	  	 	 	(71	) 	 	 	(23	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	16	  	 	 	32	  	 	 	(71	) 	 	 	(23	) 	
				 	
ADJUSTMENT TO NET INCOME (LOSS):	  				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(3	) 	 	 	(13	) 	 	 	6	  	 	 	(10	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	13	  	 	$	19	  	 	$	(65	) 	 	$	(33	) 	

Effective tax rate (operating income (loss))	  	 	-95.6	% 	 	 	28.1	% 	 	 	24.8	% 	 	 	37.5	% 	
				 	
Three months ended December 31, 2012	  	International
Protection Segment	 	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	  				 				 				 			 	
Premiums	  	$	165	  	 	$	1	  	 	$	—  	  	 	$	166	  	
Net investment income	  	 	27	  	 	 	37	  	 	 	11	  	 	 	75	  	
Net investment gains (losses)	  	 	3	  	 	 	2	  	 	 	(11	) 	 	 	(6	) 	
Insurance and investment product fees and other	  	 	—  	  	 	 	52	  	 	 	40	  	 	 	92	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	195	  	 	 	92	  	 	 	40	  	 	 	327	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 			 	
Benefits and other changes in policy reserves	  	 	38	  	 	 	13	  	 	 	—  	  	 	 	51	  	
Interest credited	  	 	—  	  	 	 	32	  	 	 	—  	  	 	 	32	  	
Acquisition and operating expenses, net of deferrals	  	 	113	  	 	 	21	  	 	 	60	  	 	 	194	  	
Amortization of deferred acquisition costs and intangibles	  	 	28	  	 	 	20	  	 	 	3	  	 	 	51	  	
Interest expense	  	 	9	  	 	 	—  	  	 	 	80	  	 	 	89	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	188	  	 	 	86	  	 	 	143	  	 	 	417	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	7	  	 	 	6	  	 	 	(103	) 	 	 	(90	) 	
Benefit for income taxes	  	 	(2	) 	 	 	—  	  	 	 	(31	) 	 	 	(33	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	9	  	 	 	6	  	 	 	(72	) 	 	 	(57	) 	
Income (loss) from discontinued operations, net of taxes	  	 	—  	  	 	 	—  	  	 	 	6	  	 	 	6	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	9	  	 	 	6	  	 	 	(66	) 	 	 	(51	) 	
				 	
ADJUSTMENTS TO NET INCOME (LOSS):	  				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	  	 	(1	) 	 	 	2	  	 	 	7	  	 	 	8	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	—  	  	 	 	—  	  	 	 	4	  	 	 	4	  	
(Income) loss from discontinued operations, net of taxes	  	 	—  	  	 	 	—  	  	 	 	(6	) 	 	 	(6	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	8	  	 	$	8	  	 	$	(61	) 	 	$	(45	) 	

Effective tax rate (operating income (loss))	  	 	-46.6	% 	 	 	18.4	% 	 	 	29.4	% 	 	 	36.8	% 	

(1)	Includes inter-segment eliminations and non-core products.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss)—Corporate and Other Division
(amounts in millions)

Twelve months ended December 31, 2013	 	International
Protection Segment	 	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	 				 				 				 			 	
Premiums	 	$	636	  	 	$	5	  	 	$	—  	  	 	$	641	  	
Net investment income	 	 	119	  	 	 	139	  	 	 	(1	) 	 	 	257	  	
Net investment gains (losses)	 	 	27	  	 	 	(58	) 	 	 	(35	) 	 	 	(66	) 	
Insurance and investment product fees and other	 	 	4	  	 	 	216	  	 	 	44	  	 	 	264	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	786	  	 	 	302	  	 	 	8	  	 	 	1,096	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	159	  	 	 	32	  	 	 	—  	  	 	 	191	  	
Interest credited	 	 	—  	  	 	 	119	  	 	 	—  	  	 	 	119	  	
Acquisition and operating expenses, net of deferrals	 	 	433	  	 	 	81	  	 	 	102	  	 	 	616	  	
Amortization of deferred acquisition costs and intangibles	 	 	106	  	 	 	6	  	 	 	7	  	 	 	119	  	
Interest expense	 	 	42	  	 	 	2	  	 	 	318	  	 	 	362	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	740	  	 	 	240	  	 	 	427	  	 	 	1,407	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	46	  	 	 	62	  	 	 	(419	) 	 	 	(311	) 	
Provision (benefit) for income taxes	 	 	7	  	 	 	13	  	 	 	(110	) 	 	 	(90	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	39	  	 	 	49	  	 	 	(309	) 	 	 	(221	) 	
Income (loss) from discontinued operations, net of taxes	 	 	—  	  	 	 	—  	  	 	 	(12	) 	 	 	(12	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	39	  	 	 	49	  	 	 	(321	) 	 	 	(233	) 	
				 	
ADJUSTMENTS TO NET INCOME (LOSS):	 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(18	) 	 	 	17	  	 	 	23	  	 	 	22	  	
Expenses related to restructuring, net of taxes	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	3	  	
(Gains) losses on early extinguishment of debt, net of taxes	 	 	—  	  	 	 	—  	  	 	 	20	  	 	 	20	  	
(Income) loss from discontinued operations, net of taxes	 	 	—  	  	 	 	—  	  	 	 	12	  	 	 	12	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	24	  	 	$	66	  	 	$	(266	) 	 	$	(176	) 	

Effective tax rate (operating income (loss))	 	 	-5.1	% 	 	 	25.5	% 	 	 	24.9	% 	 	 	27.4	% 	
Twelve months ended December 31, 2012	 	International
Protection Segment	 	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	 				 				 				 			 	
Premiums	 	$	682	  	 	$	5	  	 	$	—  	  	 	$	687	  	
Net investment income	 	 	131	  	 	 	145	  	 	 	30	  	 	 	306	  	
Net investment gains (losses)	 	 	6	  	 	 	24	  	 	 	(47	) 	 	 	(17	) 	
Insurance and investment product fees and other	 	 	3	  	 	 	207	  	 	 	120	  	 	 	330	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	822	  	 	 	381	  	 	 	103	  	 	 	1,306	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 			 	
Benefits and other changes in policy reserves	 	 	150	  	 	 	37	  	 	 	—  	  	 	 	187	  	
Interest credited	 	 	—  	  	 	 	132	  	 	 	—  	  	 	 	132	  	
Acquisition and operating expenses, net of deferrals	 	 	483	  	 	 	79	  	 	 	157	  	 	 	719	  	
Amortization of deferred acquisition costs and intangibles	 	 	113	  	 	 	51	  	 	 	12	  	 	 	176	  	
Goodwill impairment	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	89	  	
Interest expense	 	 	45	  	 	 	1	  	 	 	308	  	 	 	354	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	880	  	 	 	300	  	 	 	477	  	 	 	1,657	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(58	) 	 	 	81	  	 	 	(374	) 	 	 	(351	) 	
Provision (benefit) for income taxes	 	 	1	  	 	 	23	  	 	 	(134	) 	 	 	(110	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	(59	) 	 	 	58	  	 	 	(240	) 	 	 	(241	) 	
Income (loss) from discontinued operations, net of taxes	 	 	—  	  	 	 	—  	  	 	 	57	  	 	 	57	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	(59	) 	 	 	58	  	 	 	(183	) 	 	 	(184	) 	
				 	
ADJUSTMENTS TO NET INCOME (LOSS):	 				 				 				 			 	
Net investment (gains) losses, net of taxes and other adjustments	 	 	(3	) 	 	 	(12	) 	 	 	31	  	 	 	16	  	
Goodwill impairment, net of taxes	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	86	  	
(Gains) losses on early extinguishment of debt, net of taxes	 	 	—  	  	 	 	—  	  	 	 	4	  	 	 	4	  	
(Income) loss from discontinued operations, net of taxes	 	 	—  	  	 	 	—  	  	 	 	(57	) 	 	 	(57	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	24	  	 	$	46	  	 	$	(205	) 	 	$	(135	) 	

Effective tax rate (operating income (loss))	 	 	9.4	% 	 	 	27.1	% 	 	 	36.2	% 	 	 	50.0	% 	

(1)  	Includes inter-segment eliminations and non-core products.	
 
53

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International Protection Segment
 
54

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income and Sales—International Protection Segment
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  				  				 				 				 				 				 				 				 				 				
Premiums	  	$	158	  	  	$	159	  	 	$	154	  	 	$	165	  	 	$	636	  	 	$	165	  	 	$	164	  	 	$	174	  	 	$	179	  	 	$	682	  	
Net investment income	  	 	29	  	  	 	26	  	 	 	31	  	 	 	33	  	 	 	119	  	 	 	27	  	 	 	32	  	 	 	36	  	 	 	36	  	 	 	131	  	
Net investment gains (losses)	  	 	4	  	  	 	1	  	 	 	16	  	 	 	6	  	 	 	27	  	 	 	3	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	6	  	
Insurance and investment product fees and other	  	 	1	  	  	 	1	  	 	 	1	  	 	 	1	  	 	 	4	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	 	 	3	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	192	  	  	 	187	  	 	 	202	  	 	 	205	  	 	 	786	  	 	 	195	  	 	 	198	  	 	 	211	  	 	 	218	  	 	 	822	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	39	  	  	 	40	  	 	 	41	  	 	 	39	  	 	 	159	  	 	 	38	  	 	 	30	  	 	 	41	  	 	 	41	  	 	 	150	  	
Interest credited	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	  	 	107	  	  	 	106	  	 	 	110	  	 	 	110	  	 	 	433	  	 	 	113	  	 	 	117	  	 	 	126	  	 	 	127	  	 	 	483	  	
Amortization of deferred acquisition costs and intangibles	  	 	27	  	  	 	25	  	 	 	26	  	 	 	28	  	 	 	106	  	 	 	28	  	 	 	27	  	 	 	27	  	 	 	31	  	 	 	113	  	
Goodwill impairment	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	89	  	
Interest expense	  	 	8	  	  	 	9	  	 	 	11	  	 	 	14	  	 	 	42	  	 	 	9	  	 	 	11	  	 	 	14	  	 	 	11	  	 	 	45	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	181	  	  	 	180	  	 	 	188	  	 	 	191	  	 	 	740	  	 	 	188	  	 	 	274	  	 	 	208	  	 	 	210	  	 	 	880	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	11	  	  	 	7	  	 	 	14	  	 	 	14	  	 	 	46	  	 	 	7	  	 	 	(76	) 	 	 	3	  	 	 	8	  	 	 	(58	) 	
Provision (benefit) for income taxes	  	 	(5	) 	  	 	3	  	 	 	5	  	 	 	4	  	 	 	7	  	 	 	(2	) 	 	 	1	  	 	 	—  	  	 	 	2	  	 	 	1	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	16	  	  	 	4	  	 	 	9	  	 	 	10	  	 	 	39	  	 	 	9	  	 	 	(77	) 	 	 	3	  	 	 	6	  	 	 	(59	) 	
	 										
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  			 	  				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(3	) 	  	 	—  	  	 	 	(11	) 	 	 	(4	) 	 	 	(18	) 	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	(3	) 	
Expenses related to restructuring, net of taxes	  	 	—  	  	  	 	—  	  	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Goodwill impairment, net of taxes	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	86	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	  	$	13	  	  	$	4	  	 	$	1	  	 	$	6	  	 	$	24	  	 	$	8	  	 	$	8	  	 	$	3	  	 	$	5	  	 	$	24	  	

											
Effective tax rate (operating income)	  	 	-95.6	% 	  	 	36.7	% 	 	 	38.7	% 	 	 	26.1	% 	 	 	-5.1	% 	 	 	-46.6	% 	 	 	32.8	% 	 	 	-5.8	% 	 	 	23.1	% 	 	 	9.4	% 	
											
Net Premiums Written	  				  				 				 				 				 				 				 				 				 				
Northern Europe	  	$	104	  	  	$	113	  	 	$	106	  	 	$	106	  	 	$	429	  	 	$	107	  	 	$	107	  	 	$	111	  	 	$	104	  	 	$	429	  	
Southern Europe	  	 	72	  	  	 	71	  	 	 	74	  	 	 	78	  	 	 	295	  	 	 	72	  	 	 	70	  	 	 	87	  	 	 	87	  	 	 	316	  	
Structured Deals (2)	  	 	37	  	  	 	37	  	 	 	49	  	 	 	28	  	 	 	151	  	 	 	32	  	 	 	31	  	 	 	40	  	 	 	19	  	 	 	122	  	
New Markets	  	 	9	  	  	 	9	  	 	 	14	  	 	 	21	  	 	 	53	  	 	 	11	  	 	 	7	  	 	 	7	  	 	 	6	  	 	 	31	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Pre-Deposit Accounting Basis (3)	  	 	222	  	  	 	230	  	 	 	243	  	 	 	233	  	 	 	928	  	 	 	222	  	 	 	215	  	 	 	245	  	 	 	216	  	 	 	898	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Deposit Accounting Adjustments	  	 	70	  	  	 	76	  	 	 	94	  	 	 	80	  	 	 	320	  	 	 	72	  	 	 	67	  	 	 	85	  	 	 	55	  	 	 	279	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total (4)	  	$	152	  	  	$	154	  	 	$	149	  	 	$	153	  	 	$	608	  	 	$	150	  	 	$	148	  	 	$	160	  	 	$	161	  	 	$	619	  	

Loss Ratio	  	 	25	% 	  	 	25	% 	 	 	26	% 	 	 	24	% 	 	 	25	% 	 	 	23	% 	 	 	18	% 	 	 	24	% 	 	 	23	% 	 	 	22	% 	
 
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 twelve months ended December 31, 2013, respectively.	
(2)  	Structured deals represent in-force blocks of business acquired through reinsurance arrangements and ongoing reciprocal arrangements in place with certain clients.	
(3)  	This business has reinsurance agreements that do not qualify for risk transfer under GAAP. This analysis shows the net premiums written activity as if these reinsurance agreements, except for the reciprocal arrangements, were accounted for as reinsurance accounting (“pre-deposit accounting basis”) and not as deposit accounting. While this is a non-GAAP measure, management believes that “net premiums written on a pre-deposit accounting basis” represent an economic view of written premiums and enhances the understanding of the underlying performance of the business. However, net premiums written on a pre-deposit accounting basis as defined by the company should not be viewed as a substitute for GAAP net premiums written.	
(4)  	Net premiums written adjusted for foreign exchange as compared to the prior year period for the International Protection segment was $147 million and $593 million for the three and twelve months ended December 31, 2013, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment
(amounts in millions)

 	 	4Q 2013	 	 	3Q 2013	 	 	2Q 2013	 	 	1Q 2013	 	 	Total 2013	 	
 	 	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	 	$	158	  	 	$	43	  	 	$	201	  	 	$	159	  	 	$	47	  	 	$	206	  	 	$	154	  	 	$	52	  	 	$	206	  	 	$	165	  	 	$	62	  	 	$	227	  	 	$	636	  	 	$	204	  	 	$	840	  	
Net investment income	 	 	29	  	 	 	(8	) 	 	 	21	  	 	 	26	  	 	 	(6	) 	 	 	20	  	 	 	31	  	 	 	(9	) 	 	 	22	  	 	 	33	  	 	 	(11	) 	 	 	22	  	 	 	119	  	 	 	(34	) 	 	 	85	  	
Net investment gains (losses)	 	 	4	  	 	 	—  	  	 	 	4	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	16	  	 	 	—  	  	 	 	16	  	 	 	6	  	 	 	—  	  	 	 	6	  	 	 	27	  	 	 	—  	  	 	 	27	  	
Insurance and investment product fees and other	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	4	  	 	 	—  	  	 	 	4	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	192	  	 	 	35	  	 	 	227	  	 	 	187	  	 	 	41	  	 	 	228	  	 	 	202	  	 	 	43	  	 	 	245	  	 	 	205	  	 	 	51	  	 	 	256	  	 	 	786	  	 	 	170	  	 	 	956	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	39	  	 	 	15	  	 	 	54	  	 	 	40	  	 	 	22	  	 	 	62	  	 	 	41	  	 	 	21	  	 	 	62	  	 	 	39	  	 	 	33	  	 	 	72	  	 	 	159	  	 	 	91	  	 	 	250	  	
Interest credited	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	 	 	107	  	 	 	11	  	 	 	118	  	 	 	106	  	 	 	6	  	 	 	112	  	 	 	110	  	 	 	13	  	 	 	123	  	 	 	110	  	 	 	9	  	 	 	119	  	 	 	433	  	 	 	39	  	 	 	472	  	
Amortization of deferred acquisition costs and intangibles	 	 	27	  	 	 	8	  	 	 	35	  	 	 	25	  	 	 	13	  	 	 	38	  	 	 	26	  	 	 	11	  	 	 	37	  	 	 	28	  	 	 	14	  	 	 	42	  	 	 	106	  	 	 	46	  	 	 	152	  	
Interest expense	 	 	8	  	 	 	1	  	 	 	9	  	 	 	9	  	 	 	—  	  	 	 	9	  	 	 	11	  	 	 	(2	) 	 	 	9	  	 	 	14	  	 	 	(5	) 	 	 	9	  	 	 	42	  	 	 	(6	) 	 	 	36	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	181	  	 	 	35	  	 	 	216	  	 	 	180	  	 	 	41	  	 	 	221	  	 	 	188	  	 	 	43	  	 	 	231	  	 	 	191	  	 	 	51	  	 	 	242	  	 	 	740	  	 	 	170	  	 	 	910	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	11	  	 	 	—  	  	 	 	11	  	 	 	7	  	 	 	—  	  	 	 	7	  	 	 	14	  	 	 	—  	  	 	 	14	  	 	 	14	  	 	 	—  	  	 	 	14	  	 	 	46	  	 	 	—  	  	 	 	46	  	
Provision (benefit) for income taxes	 	 	(5	) 	 	 	—  	  	 	 	(5	) 	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	5	  	 	 	—  	  	 	 	5	  	 	 	4	  	 	 	—  	  	 	 	4	  	 	 	7	  	 	 	—  	  	 	 	7	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	 	 	16	  	 	 	—  	  	 	 	16	  	 	 	4	  	 	 	—  	  	 	 	4	  	 	 	9	  	 	 	—  	  	 	 	9	  	 	 	10	  	 	 	—  	  	 	 	10	  	 	 	39	  	 	 	—  	  	 	 	39	  	
																
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	 	 	(3	) 	 	 	—  	  	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(11	) 	 	 	—  	  	 	 	(11	) 	 	 	(4	) 	 	 	—  	  	 	 	(4	) 	 	 	(18	) 	 	 	—  	  	 	 	(18	) 	
Expenses related to restructuring, net of taxes	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	3	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	 	$	13	  	 	$	—  	  	 	$	13	  	 	$	4	  	 	$	—  	  	 	$	4	  	 	$	1	  	 	$	—  	  	 	$	1	  	 	$	6	  	 	$	—  	  	 	$	6	  	 	$	24	  	 	$	—  	  	 	$	24	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income)	 	 	-95.6	% 	 				 	 	-95.6	% 	 	 	36.7	% 	 				 	 	36.7	% 	 	 	38.7	% 	 				 	 	38.7	% 	 	 	26.1	% 	 				 	 	26.1	% 	 	 	-5.1	% 	 				 	 	-5.1	% 	
																
Other Metrics:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	158	  	 	$	43	  	 	$	201	  	 	$	159	  	 	$	47	  	 	$	206	  	 	$	154	  	 	$	52	  	 	$	206	  	 	$	165	  	 	$	62	  	 	$	227	  	 	$	636	  	 	$	204	  	 	$	840	  	
Benefits and other changes in policy reserves	 	 	39	  	 	 	15	  	 	 	54	  	 	 	40	  	 	 	22	  	 	 	62	  	 	 	41	  	 	 	21	  	 	 	62	  	 	 	39	  	 	 	33	  	 	 	72	  	 	 	159	  	 	 	91	  	 	 	250	  	
Commissions (2)	 	 	74	  	 	 	10	  	 	 	84	  	 	 	75	  	 	 	12	  	 	 	87	  	 	 	75	  	 	 	11	  	 	 	86	  	 	 	80	  	 	 	12	  	 	 	92	  	 	 	304	  	 	 	45	  	 	 	349	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Margin before profit sharing	 	 	45	  	 	 	18	  	 	 	63	  	 	 	44	  	 	 	13	  	 	 	57	  	 	 	38	  	 	 	20	  	 	 	58	  	 	 	46	  	 	 	17	  	 	 	63	  	 	 	173	  	 	 	68	  	 	 	241	  	
Profit share (2)	 	 	20	  	 	 	10	  	 	 	30	  	 	 	18	  	 	 	8	  	 	 	26	  	 	 	18	  	 	 	13	  	 	 	31	  	 	 	18	  	 	 	11	  	 	 	29	  	 	 	74	  	 	 	42	  	 	 	116	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Underwriting profit (3)	 	$	25	  	 	$	8	  	 	$	33	  	 	$	26	  	 	$	5	  	 	$	31	  	 	$	20	  	 	$	7	  	 	$	27	  	 	$	28	  	 	$	6	  	 	$	34	  	 	$	99	  	 	$	26	  	 	$	125	  	

Loss Ratio	 	 	25	% 	 				 	 	27	% 	 	 	25	% 	 				 	 	30	% 	 	 	26	% 	 				 	 	30	% 	 	 	24	% 	 				 	 	32	% 	 	 	25	% 	 				 	 	30	% 	
																
Underwriting Margin (3)	 	 	16	% 	 				 	 	16	% 	 	 	16	% 	 				 	 	15	% 	 	 	13	% 	 				 	 	13	% 	 	 	17	% 	 				 	 	15	% 	 	 	16	% 	 				 	 	15	% 	
																
Combined Ratio (4)	 	 	109	% 	 				 	 	103	% 	 	 	108	% 	 				 	 	103	% 	 	 	115	% 	 				 	 	108	% 	 	 	107	% 	 				 	 	103	% 	 	 	110	% 	 				 	 	104	% 	
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 the 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. While “pre-deposit accounting basis” is a non-GAAP measure, management believes that it represents an economic view of the underlying performance of the business. However, pre-deposit accounting basis as defined by the company should not be viewed as a substitute for GAAP.
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 twelve months ended December 31, 2013, 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
FOURTH QUARTER 2013
 
Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment
(amounts in millions)

 	 	4Q 2012	 	 	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	 	 	Reported	 	 	Deposit
Accounting
Adjustments	 	 	Pre-Deposit
Accounting
Basis	 	
REVENUES:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	165	  	 	$	50	  	 	$	215	  	 	$	164	  	 	$	47	  	 	$	211	  	 	$	174	  	 	$	56	  	 	$	230	  	 	$	179	  	 	$	55	  	 	$	234	  	 	$	682	  	 	$	208	  	 	$	890	  	
Net investment income	 	 	27	  	 	 	(5	) 	 	 	22	  	 	 	32	  	 	 	(9	) 	 	 	23	  	 	 	36	  	 	 	(12	) 	 	 	24	  	 	 	36	  	 	 	(13	) 	 	 	23	  	 	 	131	  	 	 	(39	) 	 	 	92	  	
Net investment gains (losses)	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	6	  	 	 	—  	  	 	 	6	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	3	  	 	 	—  	  	 	 	3	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	195	  	 	 	45	  	 	 	240	  	 	 	198	  	 	 	38	  	 	 	236	  	 	 	211	  	 	 	44	  	 	 	255	  	 	 	218	  	 	 	42	  	 	 	260	  	 	 	822	  	 	 	169	  	 	 	991	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	38	  	 	 	20	  	 	 	58	  	 	 	30	  	 	 	15	  	 	 	45	  	 	 	41	  	 	 	20	  	 	 	61	  	 	 	41	  	 	 	15	  	 	 	56	  	 	 	150	  	 	 	70	  	 	 	220	  	
Interest credited	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	 	 	113	  	 	 	12	  	 	 	125	  	 	 	117	  	 	 	14	  	 	 	131	  	 	 	126	  	 	 	15	  	 	 	141	  	 	 	127	  	 	 	17	  	 	 	144	  	 	 	483	  	 	 	58	  	 	 	541	  	
Amortization of deferred acquisition costs and intangibles	 	 	28	  	 	 	13	  	 	 	41	  	 	 	27	  	 	 	11	  	 	 	38	  	 	 	27	  	 	 	13	  	 	 	40	  	 	 	31	  	 	 	14	  	 	 	45	  	 	 	113	  	 	 	51	  	 	 	164	  	
Goodwill impairment	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	89	  	
Interest expense	 	 	9	  	 	 	—  	  	 	 	9	  	 	 	11	  	 	 	(2	) 	 	 	9	  	 	 	14	  	 	 	(4	) 	 	 	10	  	 	 	11	  	 	 	(4	) 	 	 	7	  	 	 	45	  	 	 	(10	) 	 	 	35	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	188	  	 	 	45	  	 	 	233	  	 	 	274	  	 	 	38	  	 	 	312	  	 	 	208	  	 	 	44	  	 	 	252	  	 	 	210	  	 	 	42	  	 	 	252	  	 	 	880	  	 	 	169	  	 	 	1,049	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	7	  	 	 	—  	  	 	 	7	  	 	 	(76	) 	 	 	—  	  	 	 	(76	) 	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	8	  	 	 	—  	  	 	 	8	  	 	 	(58	) 	 	 	—  	  	 	 	(58	) 	
Provision (benefit) for income taxes	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	 	 	1	  	 	 	—  	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	9	  	 	 	—  	  	 	 	9	  	 	 	(77	) 	 	 	—  	  	 	 	(77	) 	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	6	  	 	 	—  	  	 	 	6	  	 	 	(59	) 	 	 	—  	  	 	 	(59	) 	
																
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	(3	) 	 	 	—  	  	 	 	(3	) 	
Goodwill impairment, net of taxes	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	86	  	 	 	—  	  	 	 	86	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	 	$	8	  	 	$	—  	  	 	$	8	  	 	$	8	  	 	$	—  	  	 	$	8	  	 	$	3	  	 	$	—  	  	 	$	3	  	 	$	5	  	 	$	—  	  	 	$	5	  	 	$	24	  	 	$	—  	  	 	$	24	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income)	 	 	-46.6	% 	 				 	 	-46.6	% 	 	 	32.8	% 	 				 	 	32.8	% 	 	 	-5.8	% 	 				 	 	-5.8	% 	 	 	23.1	% 	 				 	 	23.1	% 	 	 	9.4	% 	 				 	 	9.4	% 	
																
Other Metrics:	 				 				 				 				 				 				 				 				 				 				 				 				 				 				 				
Premiums	 	$	165	  	 	$	50	  	 	$	215	  	 	$	164	  	 	$	47	  	 	$	211	  	 	$	174	  	 	$	56	  	 	$	230	  	 	$	179	  	 	$	55	  	 	$	234	  	 	$	682	  	 	$	208	  	 	$	890	  	
Benefits and other changes in policy reserves	 	 	38	  	 	 	20	  	 	 	58	  	 	 	30	  	 	 	15	  	 	 	45	  	 	 	41	  	 	 	20	  	 	 	61	  	 	 	41	  	 	 	15	  	 	 	56	  	 	 	150	  	 	 	70	  	 	 	220	  	
Commissions (1)	 	 	80	  	 	 	9	  	 	 	89	  	 	 	79	  	 	 	12	  	 	 	91	  	 	 	83	  	 	 	13	  	 	 	96	  	 	 	85	  	 	 	14	  	 	 	99	  	 	 	327	  	 	 	48	  	 	 	375	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Margin before profit sharing	 	 	47	  	 	 	21	  	 	 	68	  	 	 	55	  	 	 	20	  	 	 	75	  	 	 	50	  	 	 	23	  	 	 	73	  	 	 	53	  	 	 	26	  	 	 	79	  	 	 	205	  	 	 	90	  	 	 	295	  	
Profit share (1)	 	 	20	  	 	 	14	  	 	 	34	  	 	 	24	  	 	 	15	  	 	 	39	  	 	 	27	  	 	 	14	  	 	 	41	  	 	 	27	  	 	 	17	  	 	 	44	  	 	 	98	  	 	 	60	  	 	 	158	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Underwriting profit	 	$	27	  	 	$	7	  	 	$	34	  	 	$	31	  	 	$	5	  	 	$	36	  	 	$	23	  	 	$	9	  	 	$	32	  	 	$	26	  	 	$	9	  	 	$	35	  	 	$	107	  	 	$	30	  	 	$	137	  	

Loss Ratio	 	 	23	% 	 				 	 	27	% 	 	 	18	% 	 				 	 	21	% 	 	 	24	% 	 				 	 	27	% 	 	 	23	% 	 				 	 	23	% 	 	 	22	% 	 				 	 	25	% 	
																
Underwriting Margin (2)	 	 	17	% 	 				 	 	16	% 	 	 	19	% 	 				 	 	17	% 	 	 	14	% 	 				 	 	14	% 	 	 	14	% 	 				 	 	15	% 	 	 	16	% 	 				 	 	15	% 	
																
Combined Ratio (3)	 	 	108	% 	 				 	 	104	% 	 	 	160	% 	 				 	 	144	% 	 	 	111	% 	 				 	 	105	% 	 	 	111	% 	 				 	 	105	% 	 	 	122	% 	 				 	 	114	% 	
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 the 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. While “pre-deposit accounting basis” is a non-GAAP measure, management believes that it represents an economic view of the underlying performance of the business. However, pre-deposit accounting basis as defined by the company should not be viewed as a substitute for GAAP.
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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Runoff Segment
 
58

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Income (Loss)—Runoff Segment
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				 				
Premiums	  	$	1	  	  	$	1	  	 	$	2	  	 	$	1	  	 	$	5	  	 	$	1	  	 	$	1	  	 	$	2	  	 	$	1	  	 	$	5	  	
Net investment income	  	 	38	  	  	 	33	  	 	 	34	  	 	 	34	  	 	 	139	  	 	 	37	  	 	 	34	  	 	 	36	  	 	 	38	  	 	 	145	  	
Net investment gains (losses)	  	 	24	  	  	 	(14	) 	 	 	(20	) 	 	 	(48	) 	 	 	(58	) 	 	 	2	  	 	 	5	  	 	 	(25	) 	 	 	42	  	 	 	24	  	
Insurance and investment product fees and other	  	 	54	  	  	 	53	  	 	 	53	  	 	 	56	  	 	 	216	  	 	 	52	  	 	 	52	  	 	 	51	  	 	 	52	  	 	 	207	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	117	  	  	 	73	  	 	 	69	  	 	 	43	  	 	 	302	  	 	 	92	  	 	 	92	  	 	 	64	  	 	 	133	  	 	 	381	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	9	  	  	 	9	  	 	 	10	  	 	 	4	  	 	 	32	  	 	 	13	  	 	 	9	  	 	 	14	  	 	 	1	  	 	 	37	  	
Interest credited	  	 	30	  	  	 	28	  	 	 	29	  	 	 	32	  	 	 	119	  	 	 	32	  	 	 	33	  	 	 	34	  	 	 	33	  	 	 	132	  	
Acquisition and operating expenses, net of deferrals	  	 	21	  	  	 	18	  	 	 	22	  	 	 	20	  	 	 	81	  	 	 	21	  	 	 	18	  	 	 	21	  	 	 	19	  	 	 	79	  	
Amortization of deferred acquisition costs and intangibles	  	 	9	  	  	 	2	  	 	 	8	  	 	 	(13	) 	 	 	6	  	 	 	20	  	 	 	18	  	 	 	17	  	 	 	(4	) 	 	 	51	  	
Interest expense	  	 	1	  	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	70	  	  	 	57	  	 	 	70	  	 	 	43	  	 	 	240	  	 	 	86	  	 	 	78	  	 	 	87	  	 	 	49	  	 	 	300	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	47	  	  	 	16	  	 	 	(1	) 	 	 	—  	  	 	 	62	  	 	 	6	  	 	 	14	  	 	 	(23	) 	 	 	84	  	 	 	81	  	
Provision (benefit) for income taxes	  	 	15	  	  	 	(5	) 	 	 	—  	  	 	 	3	  	 	 	13	  	 	 	—  	  	 	 	3	  	 	 	(2	) 	 	 	22	  	 	 	23	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	32	  	  	 	21	  	 	 	(1	) 	 	 	(3	) 	 	 	49	  	 	 	6	  	 	 	11	  	 	 	(21	) 	 	 	62	  	 	 	58	  	
	 										
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  			 	  				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	(13	) 	  	 	4	  	 	 	7	  	 	 	19	  	 	 	17	  	 	 	2	  	 	 	(2	) 	 	 	15	  	 	 	(27	) 	 	 	(12	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	19	  	  	$	25	  	 	$	6	  	 	$	16	  	 	$	66	  	 	$	8	  	 	$	9	  	 	$	(6	) 	 	$	35	  	 	$	46	  	

Effective tax rate (operating income (loss))	  	 	28.1	% 	  	 	-6.9	% 	 	 	40.9	% 	 	 	44.8	% 	 	 	25.5	% 	 	 	18.4	% 	 	 	19.0	% 	 	  	NM 	(1)  	 	 	16.9	% 	 	 	27.1	% 	

(1)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Selected Operating Performance Measures—Runoff Segment
(amounts in millions)

 	 	2013	 	 	2012	 	
 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Variable Annuities—Income Distribution Series	 			 	 				 				 				 				 				 				 				 				 				
Account value, beginning of the period	 	$	6,044	  	 	$	5,983	  	 	$	6,202	  	 	$	6,141	  	 	$	6,141	  	 	$	6,261	  	 	$	6,229	  	 	$	6,398	  	 	$	6,265	  	 	$	6,265	  	
Deposits	 	 	19	  	 	 	19	  	 	 	18	  	 	 	20	  	 	 	76	  	 	 	22	  	 	 	17	  	 	 	20	  	 	 	26	  	 	 	85	  	
Surrenders, benefits and product charges	 	 	(212	) 	 	 	(186	) 	 	 	(183	) 	 	 	(173	) 	 	 	(754	) 	 	 	(184	) 	 	 	(184	) 	 	 	(168	) 	 	 	(174	) 	 	 	(710	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	 	 	(193	) 	 	 	(167	) 	 	 	(165	) 	 	 	(153	) 	 	 	(678	) 	 	 	(162	) 	 	 	(167	) 	 	 	(148	) 	 	 	(148	) 	 	 	(625	) 	
Interest credited and investment performance	 	 	210	  	 	 	228	  	 	 	(54	) 	 	 	214	  	 	 	598	  	 	 	42	  	 	 	199	  	 	 	(21	) 	 	 	281	  	 	 	501	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	 	 	6,061	  	 	 	6,044	  	 	 	5,983	  	 	 	6,202	  	 	 	6,061	  	 	 	6,141	  	 	 	6,261	  	 	 	6,229	  	 	 	6,398	  	 	 	6,141	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Traditional Variable Annuities	 			 	 				 				 				 				 				 				 				 				 				
Account value, net of reinsurance, beginning of the period	 	 	1,620	  	 	 	1,601	  	 	 	1,674	  	 	 	1,662	  	 	 	1,662	  	 	 	1,715	  	 	 	1,703	  	 	 	1,819	  	 	 	1,766	  	 	 	1,766	  	
Deposits	 	 	4	  	 	 	4	  	 	 	2	  	 	 	3	  	 	 	13	  	 	 	3	  	 	 	4	  	 	 	3	  	 	 	3	  	 	 	13	  	
Surrenders, benefits and product charges	 	 	(71	) 	 	 	(67	) 	 	 	(80	) 	 	 	(81	) 	 	 	(299	) 	 	 	(84	) 	 	 	(72	) 	 	 	(81	) 	 	 	(89	) 	 	 	(326	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	 	 	(67	) 	 	 	(63	) 	 	 	(78	) 	 	 	(78	) 	 	 	(286	) 	 	 	(81	) 	 	 	(68	) 	 	 	(78	) 	 	 	(86	) 	 	 	(313	) 	
Interest credited and investment performance	 	 	90	  	 	 	82	  	 	 	5	  	 	 	90	  	 	 	267	  	 	 	28	  	 	 	80	  	 	 	(38	) 	 	 	139	  	 	 	209	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, net of reinsurance, end of the period	 	 	1,643	  	 	 	1,620	  	 	 	1,601	  	 	 	1,674	  	 	 	1,643	  	 	 	1,662	  	 	 	1,715	  	 	 	1,703	  	 	 	1,819	  	 	 	1,662	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Variable Life Insurance	 			 	 				 				 				 				 				 				 				 				 				
Account value, beginning of the period	 	 	302	  	 	 	293	  	 	 	301	  	 	 	292	  	 	 	292	  	 	 	294	  	 	 	293	  	 	 	305	  	 	 	284	  	 	 	284	  	
Deposits	 	 	3	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	9	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	3	  	 	 	9	  	
Surrenders, benefits and product charges	 	 	(9	) 	 	 	(10	) 	 	 	(11	) 	 	 	(9	) 	 	 	(39	) 	 	 	(9	) 	 	 	(12	) 	 	 	(10	) 	 	 	(8	) 	 	 	(39	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	 	 	(6	) 	 	 	(8	) 	 	 	(9	) 	 	 	(7	) 	 	 	(30	) 	 	 	(7	) 	 	 	(10	) 	 	 	(8	) 	 	 	(5	) 	 	 	(30	) 	
Interest credited and investment performance	 	 	20	  	 	 	17	  	 	 	1	  	 	 	16	  	 	 	54	  	 	 	5	  	 	 	11	  	 	 	(4	) 	 	 	26	  	 	 	38	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	 	 	316	  	 	 	302	  	 	 	293	  	 	 	301	  	 	 	316	  	 	 	292	  	 	 	294	  	 	 	293	  	 	 	305	  	 	 	292	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total	 	$	8,020	  	 	$	7,966	  	 	$	7,877	  	 	$	8,177	  	 	$	8,020	  	 	$	8,095	  	 	$	8,270	  	 	$	8,225	  	 	$	8,522	  	 	$	8,095	  	

Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements	 				 				 				 				 				 				 				 				 				 				
Account value, beginning of the period	 	$	1,036	  	 	$	1,077	  	 	$	1,970	  	 	$	2,153	  	 	$	2,153	  	 	$	2,297	  	 	$	2,221	  	 	$	2,594	  	 	$	2,623	  	 	$	2,623	  	
Deposits	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	84	  	 	 	—  	  	 	 	—  	  	 	 	84	  	
Surrenders and benefits	 	 	(142	) 	 	 	(43	) 	 	 	(900	) 	 	 	(167	) 	 	 	(1,252	) 	 	 	(164	) 	 	 	(26	) 	 	 	(385	) 	 	 	(55	) 	 	 	(630	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net flows	 	 	(142	) 	 	 	(43	) 	 	 	(900	) 	 	 	(167	) 	 	 	(1,252	) 	 	 	(164	) 	 	 	58	  	 	 	(385	) 	 	 	(55	) 	 	 	(546	) 	
Interest credited	 	 	2	  	 	 	2	  	 	 	7	  	 	 	15	  	 	 	26	  	 	 	17	  	 	 	17	  	 	 	18	  	 	 	21	  	 	 	73	  	
Foreign currency translation	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(31	) 	 	 	(31	) 	 	 	3	  	 	 	1	  	 	 	(6	) 	 	 	5	  	 	 	3	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Account value, end of the period	 	$	896	  	 	$	1,036	  	 	$	1,077	  	 	$	1,970	  	 	$	896	  	 	$	2,153	  	 	$	2,297	  	 	$	2,221	  	 	$	2,594	  	 	$	2,153	  	

 
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Corporate and Other

 
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Net Operating Loss and Assets Under Management—Corporate and Other (1) 
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				 				
Premiums	  	$	—  	  	  	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	
Net investment income	  	 	—  	  	  	 	(6	) 	 	 	3	  	 	 	2	  	 	 	(1	) 	 	 	11	  	 	 	3	  	 	 	16	  	 	 	—  	  	 	 	30	  	
Net investment gains (losses)	  	 	(9	) 	  	 	(11	) 	 	 	(5	) 	 	 	(10	) 	 	 	(35	) 	 	 	(11	) 	 	 	(4	) 	 	 	1	  	 	 	(33	) 	 	 	(47	) 	
Insurance and investment product fees and other	  	 	—  	  	  	 	2	  	 	 	(1	) 	 	 	43	  	 	 	44	  	 	 	40	  	 	 	35	  	 	 	24	  	 	 	21	  	 	 	120	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	(9	) 	  	 	(15	) 	 	 	(3	) 	 	 	35	  	 	 	8	  	 	 	40	  	 	 	34	  	 	 	41	  	 	 	(12	) 	 	 	103	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest credited	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	  	 	7	  	  	 	38	  	 	 	8	  	 	 	49	  	 	 	102	  	 	 	60	  	 	 	36	  	 	 	29	  	 	 	32	  	 	 	157	  	
Amortization of deferred acquisition costs and intangibles	  	 	(1	) 	  	 	1	  	 	 	4	  	 	 	3	  	 	 	7	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	12	  	
Interest expense	  	 	80	  	  	 	81	  	 	 	77	  	 	 	80	  	 	 	318	  	 	 	80	  	 	 	82	  	 	 	84	  	 	 	62	  	 	 	308	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	86	  	  	 	120	  	 	 	89	  	 	 	132	  	 	 	427	  	 	 	143	  	 	 	121	  	 	 	116	  	 	 	97	  	 	 	477	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(95	) 	  	 	(135	) 	 	 	(92	) 	 	 	(97	) 	 	 	(419	) 	 	 	(103	) 	 	 	(87	) 	 	 	(75	) 	 	 	(109	) 	 	 	(374	) 	
Benefit for income taxes	  	 	(24	) 	  	 	(20	) 	 	 	(33	) 	 	 	(33	) 	 	 	(110	) 	 	 	(31	) 	 	 	(35	) 	 	 	(31	) 	 	 	(37	) 	 	 	(134	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	  	 	(71	) 	  	 	(115	) 	 	 	(59	) 	 	 	(64	) 	 	 	(309	) 	 	 	(72	) 	 	 	(52	) 	 	 	(44	) 	 	 	(72	) 	 	 	(240	) 	
Income (loss) from discontinued operations, net of taxes (2)	  	 	—  	  	  	 	2	  	 	 	6	  	 	 	(20	) 	 	 	(12	) 	 	 	6	  	 	 	12	  	 	 	27	  	 	 	12	  	 	 	57	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	  	 	(71	) 	  	 	(113	) 	 	 	(53	) 	 	 	(84	) 	 	 	(321	) 	 	 	(66	) 	 	 	(40	) 	 	 	(17	) 	 	 	(60	) 	 	 	(183	) 	
	 										
ADJUSTMENTS TO NET LOSS:	  			 	  				 				 				 				 				 				 				 				 				
Net investment (gains) losses, net of taxes and other adjustments	  	 	6	  	  	 	7	  	 	 	4	  	 	 	6	  	 	 	23	  	 	 	7	  	 	 	3	  	 	 	(1	) 	 	 	22	  	 	 	31	  	
(Gains) losses on early extinguishment of debt, net of taxes	  	 	—  	  	  	 	20	  	 	 	—  	  	 	 	—  	  	 	 	20	  	 	 	4	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	4	  	
(Income) loss from discontinued operations, net of taxes	  	 	—  	  	  	 	(2	) 	 	 	(6	) 	 	 	20	  	 	 	12	  	 	 	(6	) 	 	 	(12	) 	 	 	(27	) 	 	 	(12	) 	 	 	(57	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	  	$	(65	) 	  	$	(88	) 	 	$	(55	) 	 	$	(58	) 	 	$	(266	) 	 	$	(61	) 	 	$	(49	) 	 	$	(45	) 	 	$	(50	) 	 	$	(205	) 	

Effective tax rate (operating loss)	  	 	24.8	% 	  	 	6.3	% 	 	 	36.7	% 	 	 	33.5	% 	 	 	24.9	% 	 	 	29.4	% 	 	 	40.0	% 	 	 	41.7	% 	 	 	34.1	% 	 	 	36.2	% 	

(1)  	Includes inter-segment eliminations and non-core products.	
(2)  	Operating results of the wealth management business prior to the sale on August 30, 2013 presented as discontinued operations were as follows:	

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	 	Total	 	 	4Q	 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				  				  				 				 				  				  				 				 				
Net investment gains (losses)	  	$	—  	  	  	$	—  	  	  	$	—  	  	  	$	—  	  	 	$	—  	  	 	$	—  	  	  	$	—  	  	  	$	(2	) 	 	$	(1	) 	 	$	(3	) 	
Insurance and investment product fees and other	  	 	—  	  	  	 	54	  	  	 	79	  	  	 	78	  	 	 	211	  	 	 	74	  	  	 	82	  	  	 	83	  	 	 	112	  	 	 	351	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	—  	  	  	 	54	  	  	 	79	  	  	 	78	  	 	 	211	  	 	 	74	  	  	 	82	  	  	 	81	  	 	 	111	  	 	 	348	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				  				  				 				 				  				  				 				 				
Acquisition and operating expenses, net of deferrals	  	 	—  	  	  	 	46	  	  	 	66	  	  	 	66	  	 	 	178	  	 	 	58	  	  	 	62	  	  	 	62	  	 	 	90	  	 	 	272	  	
Amortization of deferred acquisition costs and intangibles	  	 	—  	  	  	 	1	  	  	 	2	  	  	 	1	  	 	 	4	  	 	 	1	  	  	 	2	  	  	 	1	  	 	 	1	  	 	 	5	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	—  	  	  	 	47	  	  	 	68	  	  	 	67	  	 	 	182	  	 	 	59	  	  	 	64	  	  	 	63	  	 	 	91	  	 	 	277	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES AND OTHER ITEMS	  	 	—  	  	  	 	7	  	  	 	11	  	  	 	11	  	 	 	29	  	 	 	15	  	  	 	18	  	  	 	18	  	 	 	20	  	 	 	71	  	
Provision for income taxes	  	 	—  	  	  	 	3	  	  	 	5	  	  	 	4	  	 	 	12	  	 	 	7	  	  	 	6	  	  	 	6	  	 	 	8	  	 	 	27	  	
Goodwill impairment and other (gain) loss from sale, net of taxes	  	 	—  	  	  	 	2	  	  	 	—  	  	  	 	27	  	 	 	29	  	 	 	2	  	  	 	—  	  	  	 	(15	) 	 	 	—  	  	 	 	(13	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	$	—  	  	  	$	2	  	  	$	6	  	  	$	(20	) 	 	$	(12	) 	 	$	6	  	  	$	12	  	  	$	27	  	 	$	12	  	 	$	57	  	

Assets under management (3)	  	$	—  	  	  	$	—  	  	  	$	22,619	  	  	$	23,056	  	 	$	—  	  	 	$	22,349	  	  	$	22,633	  	  	$	22,320	  	 	$	25,684	  	 	$	22,349	  	
 
(3)	Assets under management for the wealth management business prior to the sale on August 30, 2013 represented third-party assets under management that were not consolidated in the company’s financial statements.	
 
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 Additional Financial Data

 
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Investments Summary
(amounts in millions)

 	 	 	 	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	
 	 	 	 	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	 	$	34,666	  	 	 	48	% 	 	$	35,503	  	 	 	49	% 	 	$	34,486	  	 	 	48	% 	 	$	36,577	  	 	 	48	% 	 	$	37,207	  	 	 	48	% 	
Private fixed maturity securities	 	 	10,563	  	 	 	15	  	 	 	10,277	  	 	 	14	  	 	 	10,368	  	 	 	14	  	 	 	10,572	  	 	 	14	  	 	 	10,484	  	 	 	13	  	
Residential mortgage-backed securities (1)	 	 	5,069	  	 	 	7	  	 	 	5,187	  	 	 	7	  	 	 	5,282	  	 	 	7	  	 	 	5,551	  	 	 	7	  	 	 	5,532	  	 	 	7	  	
Commercial mortgage-backed securities	 	 	2,639	  	 	 	4	  	 	 	2,520	  	 	 	4	  	 	 	2,533	  	 	 	4	  	 	 	2,731	  	 	 	4	  	 	 	2,947	  	 	 	4	  	
Other asset-backed securities	 	 	3,119	  	 	 	4	  	 	 	2,992	  	 	 	4	  	 	 	2,655	  	 	 	4	  	 	 	2,572	  	 	 	3	  	 	 	2,583	  	 	 	3	  	
Tax-exempt	 	 	295	  	 	 	—  	  	 	 	263	  	 	 	—  	  	 	 	262	  	 	 	—  	  	 	 	270	  	 	 	—  	  	 	 	294	  	 	 	—  	  	
Non-investment grade fixed maturity securities	 	 	2,278	  	 	 	3	  	 	 	2,344	  	 	 	3	  	 	 	2,422	  	 	 	3	  	 	 	2,809	  	 	 	4	  	 	 	3,114	  	 	 	4	  	
Equity securities:	 				 			 	 				 				 				 				 				 				 				 				
Common stocks and mutual funds	 	 	258	  	 	 	—  	  	 	 	303	  	 	 	1	  	 	 	332	  	 	 	1	  	 	 	401	  	 	 	1	  	 	 	431	  	 	 	1	  	
Preferred stocks	 	 	83	  	 	 	—  	  	 	 	76	  	 	 	—  	  	 	 	79	  	 	 	—  	  	 	 	89	  	 	 	—  	  	 	 	87	  	 	 	—  	  	
Commercial mortgage loans	 	 	5,899	  	 	 	8	  	 	 	5,858	  	 	 	8	  	 	 	5,831	  	 	 	8	  	 	 	5,866	  	 	 	8	  	 	 	5,872	  	 	 	8	  	
Restricted commercial mortgage loans related to securitization entities	 	 	233	  	 	 	—  	  	 	 	290	  	 	 	—  	  	 	 	309	  	 	 	—  	  	 	 	324	  	 	 	—  	  	 	 	341	  	 	 	—  	  	
Policy loans	 	 	1,434	  	 	 	2	  	 	 	1,668	  	 	 	2	  	 	 	1,671	  	 	 	2	  	 	 	1,606	  	 	 	2	  	 	 	1,601	  	 	 	2	  	
Cash, cash equivalents and short-term investments	 	 	4,434	  	 	 	6	  	 	 	3,767	  	 	 	5	  	 	 	3,777	  	 	 	5	  	 	 	4,104	  	 	 	5	  	 	 	3,897	  	 	 	5	  	
Securities lending	 	 	187	  	 	 	—  	  	 	 	154	  	 	 	—  	  	 	 	163	  	 	 	—  	  	 	 	183	  	 	 	—  	  	 	 	187	  	 	 	—  	  	
Other invested assets:	 	Limited partnerships	 	 	282	  	 	 	1	  	 	 	297	  	 	 	1	  	 	 	318	  	 	 	1	  	 	 	326	  	 	 	1	  	 	 	339	  	 	 	—  	  	
	 	Derivatives:	 				 			 	 				 				 				 				 				 				 				 				
	 	Long-term care (LTC) forward starting swap—cash flow	 	 	79	  	 	 	—  	  	 	 	147	  	 	 	—  	  	 	 	166	  	 	 	—  	  	 	 	353	  	 	 	—  	  	 	 	466	  	 	 	1	  	
	 	Other cash flow	 	 	46	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	3	  	 	 	—  	  	
	 	Fair value	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	4	  	 	 	—  	  	 	 	43	  	 	 	—  	  	
	 	Equity index options—non-qualified 	 	 	13	  	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	13	  	 	 	—  	  	 	 	17	  	 	 	—  	  	 	 	25	  	 	 	—  	  	
	 	Other non-qualified	 	 	332	  	 	 	1	  	 	 	370	  	 	 	1	  	 	 	397	  	 	 	1	  	 	 	554	  	 	 	1	  	 	 	612	  	 	 	1	  	
	 	Trading portfolio	 	 	239	  	 	 	—  	  	 	 	278	  	 	 	—  	  	 	 	287	  	 	 	—  	  	 	 	468	  	 	 	1	  	 	 	556	  	 	 	1	  	
	 	Counterparty collateral	 	 	199	  	 	 	—  	  	 	 	272	  	 	 	—  	  	 	 	377	  	 	 	1	  	 	 	615	  	 	 	1	  	 	 	840	  	 	 	1	  	
	 	Restricted other invested assets related to securitization entities	 	 	391	  	 	 	1	  	 	 	392	  	 	 	1	  	 	 	392	  	 	 	1	  	 	 	399	  	 	 	—  	  	 	 	393	  	 	 	1	  	
	 	Other	 	 	88	  	 	 	—  	  	 	 	85	  	 	 	—  	  	 	 	87	  	 	 	—  	  	 	 	146	  	 	 	—  	  	 	 	157	  	 	 	—  	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total invested assets and cash	 	$	72,827	  	 	 	100	% 	 	$	73,053	  	 	 	100	% 	 	$	72,211	  	 	 	100	% 	 	$	76,546	  	 	 	100	% 	 	$	78,011	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Public Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NRSRO (2) Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	15,148	  	 	 	34	% 	 	$	15,859	  	 	 	35	% 	 	$	15,928	  	 	 	36	% 	 	$	17,050	  	 	 	36	% 	 	$	17,372	  	 	 	36	% 	
AA	 		 	 	4,627	  	 	 	11	  	 	 	4,776	  	 	 	11	  	 	 	4,204	  	 	 	10	  	 	 	4,664	  	 	 	10	  	 	 	4,746	  	 	 	10	  	
A	 		 	 	12,488	  	 	 	28	  	 	 	12,674	  	 	 	28	  	 	 	12,530	  	 	 	28	  	 	 	13,133	  	 	 	28	  	 	 	13,238	  	 	 	28	  	
BBB	 		 	 	10,720	  	 	 	24	  	 	 	10,426	  	 	 	23	  	 	 	10,044	  	 	 	23	  	 	 	10,345	  	 	 	22	  	 	 	10,567	  	 	 	22	  	
BB	 		 	 	1,148	  	 	 	3	  	 	 	1,134	  	 	 	3	  	 	 	1,096	  	 	 	3	  	 	 	1,260	  	 	 	3	  	 	 	1,296	  	 	 	3	  	
B	 		 	 	132	  	 	 	—  	  	 	 	128	  	 	 	—  	  	 	 	145	  	 	 	—  	  	 	 	135	  	 	 	—  	  	 	 	147	  	 	 	—  	  	
CCC and lower	 		 	 	112	  	 	 	—  	  	 	 	130	  	 	 	—  	  	 	 	182	  	 	 	—  	  	 	 	257	  	 	 	1	  	 	 	397	  	 	 	1	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total public fixed maturity securities	 	$	44,375	  	 	 	100	% 	 	$	45,127	  	 	 	100	% 	 	$	44,129	  	 	 	100	% 	 	$	46,844	  	 	 	100	% 	 	$	47,763	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Private Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NRSRO (2) Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	1,483	  	 	 	11	% 	 	$	1,453	  	 	 	10	% 	 	$	1,326	  	 	 	10	% 	 	$	1,354	  	 	 	10	% 	 	$	1,427	  	 	 	10	% 	
AA	 		 	 	1,570	  	 	 	11	  	 	 	1,551	  	 	 	11	  	 	 	1,499	  	 	 	11	  	 	 	1,462	  	 	 	10	  	 	 	1,521	  	 	 	11	  	
A	 		 	 	4,331	  	 	 	30	  	 	 	4,247	  	 	 	31	  	 	 	4,198	  	 	 	30	  	 	 	4,419	  	 	 	31	  	 	 	4,338	  	 	 	30	  	
BBB	 		 	 	5,984	  	 	 	42	  	 	 	5,756	  	 	 	41	  	 	 	5,857	  	 	 	42	  	 	 	5,846	  	 	 	41	  	 	 	5,838	  	 	 	41	  	
BB	 		 	 	736	  	 	 	5	  	 	 	798	  	 	 	6	  	 	 	819	  	 	 	6	  	 	 	886	  	 	 	6	  	 	 	929	  	 	 	6	  	
B	 		 	 	56	  	 	 	—  	  	 	 	63	  	 	 	—  	  	 	 	83	  	 	 	—  	  	 	 	154	  	 	 	1	  	 	 	194	  	 	 	1	  	
CCC and lower	 		 	 	94	  	 	 	1	  	 	 	91	  	 	 	1	  	 	 	97	  	 	 	1	  	 	 	117	  	 	 	1	  	 	 	151	  	 	 	1	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total private fixed maturity securities	 	$	14,254	  	 	 	100	% 	 	$	13,959	  	 	 	100	% 	 	$	13,879	  	 	 	100	% 	 	$	14,238	  	 	 	100	% 	 	$	14,398	  	 	 	100	% 	

 

(1)  	The company does not have any material exposure to residential mortgage-backed securities collateralized debt obligations (CDOs).	
(2)  	Nationally Recognized Statistical Rating Organizations.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Fixed Maturity Securities Summary
(amounts in millions)

 	  	December 31, 2013	 	  	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	
 	  	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	  	$	4,810	  	  	 	8	% 	  	$	5,325	  	  	 	9	% 	 	$	5,048	  	  	 	9	% 	 	$	5,381	  	  	 	9	% 	 	$	5,491	  	  	 	9	% 	
Tax-exempt	  	 	295	  	  	 	—  	  	  	 	263	  	  	 	—  	  	 	 	262	  	  	 	—  	  	 	 	270	  	  	 	—  	  	 	 	294	  	  	 	1	  	
Foreign government	  	 	2,146	  	  	 	4	  	  	 	2,232	  	  	 	4	  	 	 	2,247	  	  	 	4	  	 	 	2,345	  	  	 	4	  	 	 	2,422	  	  	 	4	  	
U.S. corporate	  	 	25,035	  	  	 	43	  	  	 	24,782	  	  	 	42	  	 	 	24,742	  	  	 	43	  	 	 	25,936	  	  	 	43	  	 	 	26,105	  	  	 	42	  	
Foreign corporate	  	 	15,071	  	  	 	26	  	  	 	15,276	  	  	 	26	  	 	 	14,618	  	  	 	25	  	 	 	15,540	  	  	 	25	  	 	 	15,792	  	  	 	25	  	
Residential mortgage-backed securities	  	 	5,225	  	  	 	9	  	  	 	5,397	  	  	 	9	  	 	 	5,590	  	  	 	10	  	 	 	5,942	  	  	 	10	  	 	 	6,081	  	  	 	10	  	
Commercial mortgage-backed securities	  	 	2,898	  	  	 	5	  	  	 	2,790	  	  	 	5	  	 	 	2,814	  	  	 	5	  	 	 	3,056	  	  	 	5	  	 	 	3,333	  	  	 	5	  	
Other asset-backed securities	  	 	3,149	  	  	 	5	  	  	 	3,021	  	  	 	5	  	 	 	2,687	  	  	 	4	  	 	 	2,612	  	  	 	4	  	 	 	2,643	  	  	 	4	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total fixed maturity securities	  	$	58,629	  	  	 	100	% 	  	$	59,086	  	  	 	100	% 	 	$	58,008	  	  	 	100	% 	 	$	61,082	  	  	 	100	% 	 	$	62,161	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Corporate Bond Holdings—Industry Sector:	  				  			 	  				  				 				  				 				  				 				  				
Investment Grade:	  				  			 	  				  				 				  				 				  				 				  				
Finance and insurance	  	$	7,382	  	  	 	19	% 	  	$	7,344	  	  	 	19	% 	 	$	7,167	  	  	 	19	% 	 	$	7,746	  	  	 	20	% 	 	$	7,820	  	  	 	20	% 	
Utilities and energy	  	 	9,213	  	  	 	24	  	  	 	9,084	  	  	 	24	  	 	 	9,097	  	  	 	24	  	 	 	9,438	  	  	 	24	  	 	 	9,432	  	  	 	24	  	
Consumer—non-cyclical	  	 	4,669	  	  	 	12	  	  	 	4,722	  	  	 	12	  	 	 	4,674	  	  	 	12	  	 	 	4,979	  	  	 	13	  	 	 	5,027	  	  	 	13	  	
Consumer—cyclical	  	 	2,282	  	  	 	6	  	  	 	2,185	  	  	 	6	  	 	 	2,157	  	  	 	6	  	 	 	2,217	  	  	 	6	  	 	 	2,272	  	  	 	6	  	
Capital goods	  	 	2,238	  	  	 	6	  	  	 	2,276	  	  	 	6	  	 	 	2,332	  	  	 	6	  	 	 	2,460	  	  	 	6	  	 	 	2,515	  	  	 	6	  	
Industrial	  	 	2,595	  	  	 	7	  	  	 	2,592	  	  	 	7	  	 	 	2,507	  	  	 	7	  	 	 	2,546	  	  	 	6	  	 	 	2,511	  	  	 	6	  	
Technology and communications	  	 	2,867	  	  	 	8	  	  	 	2,928	  	  	 	8	  	 	 	2,864	  	  	 	8	  	 	 	2,916	  	  	 	7	  	 	 	2,966	  	  	 	7	  	
Transportation	  	 	1,595	  	  	 	4	  	  	 	1,593	  	  	 	4	  	 	 	1,550	  	  	 	4	  	 	 	1,581	  	  	 	4	  	 	 	1,588	  	  	 	4	  	
Other	  	 	5,471	  	  	 	14	  	  	 	5,534	  	  	 	14	  	 	 	5,245	  	  	 	14	  	 	 	5,650	  	  	 	14	  	 	 	5,793	  	  	 	14	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	38,312	  	  	 	100	% 	  	 	38,258	  	  	 	100	% 	 	 	37,593	  	  	 	100	% 	 	 	39,533	  	  	 	100	% 	 	 	39,924	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Non-Investment Grade:	  				  			 	  				  				 				  				 				  				 				  				
Finance and insurance	  	 	337	  	  	 	19	% 	  	 	376	  	  	 	21	% 	 	 	376	  	  	 	21	% 	 	 	413	  	  	 	21	% 	 	 	454	  	  	 	23	% 	
Utilities and energy	  	 	297	  	  	 	16	  	  	 	338	  	  	 	19	  	 	 	332	  	  	 	19	  	 	 	372	  	  	 	19	  	 	 	406	  	  	 	21	  	
Consumer—non-cyclical	  	 	194	  	  	 	11	  	  	 	170	  	  	 	9	  	 	 	186	  	  	 	11	  	 	 	161	  	  	 	8	  	 	 	171	  	  	 	9	  	
Consumer—cyclical	  	 	71	  	  	 	4	  	  	 	107	  	  	 	6	  	 	 	107	  	  	 	6	  	 	 	119	  	  	 	6	  	 	 	110	  	  	 	5	  	
Capital goods	  	 	295	  	  	 	16	  	  	 	272	  	  	 	15	  	 	 	250	  	  	 	14	  	 	 	247	  	  	 	13	  	 	 	257	  	  	 	13	  	
Industrial	  	 	267	  	  	 	15	  	  	 	243	  	  	 	14	  	 	 	236	  	  	 	13	  	 	 	322	  	  	 	17	  	 	 	318	  	  	 	16	  	
Technology and communications	  	 	316	  	  	 	18	  	  	 	257	  	  	 	14	  	 	 	234	  	  	 	13	  	 	 	241	  	  	 	12	  	 	 	186	  	  	 	9	  	
Transportation	  	 	5	  	  	 	—  	  	  	 	26	  	  	 	1	  	 	 	29	  	  	 	2	  	 	 	53	  	  	 	3	  	 	 	55	  	  	 	3	  	
Other	  	 	12	  	  	 	1	  	  	 	11	  	  	 	1	  	 	 	17	  	  	 	1	  	 	 	15	  	  	 	1	  	 	 	16	  	  	 	1	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	1,794	  	  	 	100	% 	  	 	1,800	  	  	 	100	% 	 	 	1,767	  	  	 	100	% 	 	 	1,943	  	  	 	100	% 	 	 	1,973	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	40,106	  	  	 	100	% 	  	$	40,058	  	  	 	100	% 	 	$	39,360	  	  	 	100	% 	 	$	41,476	  	  	 	100	% 	 	$	41,897	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Fixed Maturity Securities—Contractual Maturity Dates:	  				  			 	  				  				 				  				 				  				 				  				
	 	 									
Due in one year or less	  	$	2,974	  	  	 	5	% 	  	$	2,772	  	  	 	5	% 	 	$	2,670	  	  	 	4	% 	 	$	2,731	  	  	 	4	% 	 	$	2,634	  	  	 	4	% 	
Due after one year through five years	  	 	10,187	  	  	 	17	  	  	 	10,563	  	  	 	18	  	 	 	10,313	  	  	 	18	  	 	 	10,997	  	  	 	18	  	 	 	11,139	  	  	 	18	  	
Due after five years through ten years	  	 	12,526	  	  	 	22	  	  	 	12,570	  	  	 	21	  	 	 	11,880	  	  	 	20	  	 	 	12,243	  	  	 	20	  	 	 	12,266	  	  	 	20	  	
Due after ten years	  	 	21,670	  	  	 	37	  	  	 	21,973	  	  	 	37	  	 	 	22,054	  	  	 	38	  	 	 	23,501	  	  	 	39	  	 	 	24,065	  	  	 	39	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	47,357	  	  	 	81	  	  	 	47,878	  	  	 	81	  	 	 	46,917	  	  	 	80	  	 	 	49,472	  	  	 	81	  	 	 	50,104	  	  	 	81	  	
Mortgage and asset-backed securities	  	 	11,272	  	  	 	19	  	  	 	11,208	  	  	 	19	  	 	 	11,091	  	  	 	20	  	 	 	11,610	  	  	 	19	  	 	 	12,057	  	  	 	19	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total fixed maturity securities	  	$	58,629	  	  	 	100	% 	  	$	59,086	  	  	 	100	% 	 	$	58,008	  	  	 	100	% 	 	$	61,082	  	  	 	100	% 	 	$	62,161	  	  	 	100	% 	

 
65

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Commercial Mortgage Loans Summary
(amounts in millions)

 	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	 	December 31, 2012	 	
 	  	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	 	Carrying
Amount	 	 	% of
Total	 	
Geographic Region	  				 			 	 				 				 				 				 				 				 				 				
Pacific	  	$	1,590	  	 	 	27	% 	 	$	1,624	  	 	 	28	% 	 	$	1,621	  	 	 	28	% 	 	$	1,582	  	 	 	27	% 	 	$	1,553	  	 	 	26	% 	
South Atlantic	  	 	1,535	  	 	 	26	  	 	 	1,558	  	 	 	26	  	 	 	1,515	  	 	 	26	  	 	 	1,549	  	 	 	26	  	 	 	1,587	  	 	 	27	  	
Middle Atlantic	  	 	828	  	 	 	14	  	 	 	792	  	 	 	13	  	 	 	780	  	 	 	13	  	 	 	750	  	 	 	13	  	 	 	739	  	 	 	13	  	
Mountain	  	 	478	  	 	 	8	  	 	 	462	  	 	 	8	  	 	 	466	  	 	 	8	  	 	 	458	  	 	 	8	  	 	 	463	  	 	 	8	  	
East North Central	  	 	404	  	 	 	7	  	 	 	384	  	 	 	7	  	 	 	389	  	 	 	7	  	 	 	451	  	 	 	8	  	 	 	468	  	 	 	8	  	
West North Central	  	 	377	  	 	 	6	  	 	 	366	  	 	 	6	  	 	 	368	  	 	 	6	  	 	 	374	  	 	 	6	  	 	 	353	  	 	 	6	  	
New England	  	 	337	  	 	 	6	  	 	 	327	  	 	 	6	  	 	 	340	  	 	 	6	  	 	 	341	  	 	 	6	  	 	 	343	  	 	 	6	  	
West South Central	  	 	241	  	 	 	4	  	 	 	237	  	 	 	4	  	 	 	247	  	 	 	4	  	 	 	259	  	 	 	4	  	 	 	265	  	 	 	4	  	
East South Central	  	 	142	  	 	 	2	  	 	 	143	  	 	 	2	  	 	 	142	  	 	 	2	  	 	 	140	  	 	 	2	  	 	 	141	  	 	 	2	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	  	 	5,932	  	 	 	100	% 	 	 	5,893	  	 	 	100	% 	 	 	5,868	  	 	 	100	% 	 	 	5,904	  	 	 	100	% 	 	 	5,912	  	 	 	100	% 	
	  				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	
Allowance for losses	  	 	(33	) 	 			 	 	 	(36	) 	 				 	 	(38	) 	 				 	 	(40	) 	 				 	 	(42	) 	 				
Unamortized fees and costs	  	 	—  	  	 			 	 	 	1	  	 				 	 	1	  	 				 	 	2	  	 				 	 	2	  	 				
	  	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	$	5,899	  	 			 	 	$	5,858	  	 				 	$	5,831	  	 				 	$	5,866	  	 				 	$	5,872	  	 				
	  	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Property Type	  				 			 	 				 				 				 				 				 				 				 				
Retail	  	$	2,073	  	 	 	35	% 	 	$	2,005	  	 	 	34	% 	 	$	2,000	  	 	 	34	% 	 	$	1,953	  	 	 	33	% 	 	$	1,895	  	 	 	32	% 	
Industrial	  	 	1,581	  	 	 	27	  	 	 	1,571	  	 	 	27	  	 	 	1,565	  	 	 	27	  	 	 	1,584	  	 	 	27	  	 	 	1,603	  	 	 	27	  	
Office	  	 	1,558	  	 	 	26	  	 	 	1,610	  	 	 	27	  	 	 	1,585	  	 	 	27	  	 	 	1,595	  	 	 	27	  	 	 	1,580	  	 	 	27	  	
Apartments	  	 	491	  	 	 	8	  	 	 	473	  	 	 	8	  	 	 	490	  	 	 	8	  	 	 	542	  	 	 	9	  	 	 	552	  	 	 	9	  	
Mixed use/other	  	 	229	  	 	 	4	  	 	 	234	  	 	 	4	  	 	 	228	  	 	 	4	  	 	 	230	  	 	 	4	  	 	 	282	  	 	 	5	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Subtotal	  	 	5,932	  	 	 	100	% 	 	 	5,893	  	 	 	100	% 	 	 	5,868	  	 	 	100	% 	 	 	5,904	  	 	 	100	% 	 	 	5,912	  	 	 	100	% 	
	  				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	
Allowance for losses	  	 	(33	) 	 			 	 	 	(36	) 	 				 	 	(38	) 	 				 	 	(40	) 	 				 	 	(42	) 	 				
Unamortized fees and costs	  	 	—  	  	 			 	 	 	1	  	 				 	 	1	  	 				 	 	2	  	 				 	 	2	  	 				
	  	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	$	5,899	  	 			 	 	$	5,858	  	 				 	$	5,831	  	 				 	$	5,866	  	 				 	$	5,872	  	 				
	  	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Allowance for Losses on Commercial Mortgage Loans	  				 			 	 				 				 				 				 				 				 				 				
Beginning balance	  	$	36	  	 			 	 	$	38	  	 				 	$	40	  	 				 	$	42	  	 				 	$	44	  	 				
Provision	  	 	—  	  	 			 	 	 	—  	  	 				 	 	—  	  	 				 	 	—  	  	 				 	 	—  	  	 				
Release	  	 	(3	) 	 			 	 	 	(2	) 	 				 	 	(2	) 	 				 	 	(2	) 	 				 	 	(2	) 	 				
	  	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Ending balance	  	$	33	  	 			 	 	$	36	  	 				 	$	38	  	 				 	$	40	  	 				 	$	42	  	 				

 
66

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
Commercial Mortgage Loans Summary
(amounts in millions)

 	  	December 31, 2013	 	 	September 30, 2013	 	 	June 30, 2013	 	 	March 31, 2013	 	  	December 31, 2012	 	
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	  	$	2,435	  	  	 	41	% 	 	$	2,393	  	  	 	41	% 	 	$	2,384	  	  	 	41	% 	 	$	2,425	  	  	 	41	  	  	$	2,458	  	  	 	42	% 	
$5 million but less than $10 million	  	 	1,638	  	  	 	28	  	 	 	1,594	  	  	 	27	  	 	 	1,594	  	  	 	27	  	 	 	1,573	  	  	 	27	  	  	 	1,508	  	  	 	25	  	
$10 million but less than $20 million	  	 	1,358	  	  	 	23	  	 	 	1,315	  	  	 	22	  	 	 	1,321	  	  	 	23	  	 	 	1,255	  	  	 	21	  	  	 	1,162	  	  	 	20	  	
$20 million but less than $30 million	  	 	205	  	  	 	3	  	 	 	227	  	  	 	4	  	 	 	204	  	  	 	3	  	 	 	205	  	  	 	3	  	  	 	267	  	  	 	4	  	
$30 million and over	  	 	296	  	  	 	5	  	 	 	364	  	  	 	6	  	 	 	365	  	  	 	6	  	 	 	446	  	  	 	8	  	  	 	517	  	  	 	9	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total	  	$	5,932	  	  	 	100	% 	 	$	5,893	  	  	 	100	% 	 	$	5,868	  	  	 	100	% 	 	$	5,904	  	  	 	100	  	  	$	5,912	  	  	 	100	% 	

Commercial Mortgage Loan Information by Vintage as of December 31, 2013
(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	  	$	941	  	  	 	486	  	  	$	2	  	  	 	41	% 	 	$	—  	  	  	 	—  	  	  	$	—  	  	
2005	  	 	1,025	  	  	 	253	  	  	$	4	  	  	 	55	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2006	  	 	964	  	  	 	242	  	  	$	4	  	  	 	62	% 	 	 	32	  	  	 	6	  	  	$	5	  	
2007	  	 	812	  	  	 	157	  	  	$	5	  	  	 	70	% 	 	 	1	  	  	 	1	  	  	$	1	  	
2008	  	 	237	  	  	 	51	  	  	$	5	  	  	 	68	% 	 	 	6	  	  	 	1	  	  	$	6	  	
2009	  	 	—  	  	  	 	—  	  	  	$	—  	  	  	 	—  	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2010	  	 	142	  	  	 	63	  	  	$	2	  	  	 	44	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2011	  	 	273	  	  	 	54	  	  	$	5	  	  	 	58	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2012	  	 	673	  	  	 	97	  	  	$	7	  	  	 	63	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
2013	  	 	865	  	  	 	138	  	  	$	6	  	  	 	67	% 	 	 	—  	  	  	 	—  	  	  	$	—  	  	
	  	 	 	 	  	 	 	 	  				  				 	 	 	 	  	 	 	 	  				
Total	  	$	5,932	  	  	 	1,541	  	  	$	4	  	  	 	59	% 	 	$	39	  	  	 	8	  	  	$	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 December 31, 2013.	
 
67

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 General Account GAAP Net Investment Income Yields
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
GAAP Net Investment Income	  			 	  				 				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	$	663	  	  	$	651	  	 	$	672	  	 	$	656	  	 	$	2,642	  	 	$	678	  	 	$	659	  	 	$	669	  	 	$	660	  	 	$	2,666	  	
Fixed maturity securities—non-taxable	  	 	2	  	  	 	3	  	 	 	2	  	 	 	2	  	 	 	9	  	 	 	2	  	 	 	2	  	 	 	3	  	 	 	4	  	 	 	11	  	
Commercial mortgage loans	  	 	91	  	  	 	81	  	 	 	81	  	 	 	82	  	 	 	335	  	 	 	84	  	 	 	87	  	 	 	85	  	 	 	84	  	 	 	340	  	
Restricted commercial mortgage loans related to securitization entities	  	 	1	  	  	 	8	  	 	 	7	  	 	 	7	  	 	 	23	  	 	 	8	  	 	 	8	  	 	 	7	  	 	 	9	  	 	 	32	  	
Equity securities	  	 	4	  	  	 	3	  	 	 	6	  	 	 	4	  	 	 	17	  	 	 	5	  	 	 	4	  	 	 	6	  	 	 	4	  	 	 	19	  	
Other invested assets	  	 	33	  	  	 	33	  	 	 	33	  	 	 	46	  	 	 	145	  	 	 	37	  	 	 	46	  	 	 	36	  	 	 	43	  	 	 	162	  	
Limited partnerships	  	 	24	  	  	 	8	  	 	 	6	  	 	 	2	  	 	 	40	  	 	 	12	  	 	 	2	  	 	 	20	  	 	 	10	  	 	 	44	  	
Restricted other invested assets related to securitization entities	  	 	4	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	4	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
Policy loans	  	 	32	  	  	 	33	  	 	 	32	  	 	 	32	  	 	 	129	  	 	 	30	  	 	 	31	  	 	 	31	  	 	 	31	  	 	 	123	  	
Cash, cash equivalents and short-term investments	  	 	4	  	  	 	4	  	 	 	5	  	 	 	7	  	 	 	20	  	 	 	7	  	 	 	8	  	 	 	10	  	 	 	10	  	 	 	35	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	858	  	  	 	824	  	 	 	844	  	 	 	838	  	 	 	3,364	  	 	 	864	  	 	 	847	  	 	 	867	  	 	 	855	  	 	 	3,433	  	
Expenses and fees	  	 	(23	) 	  	 	(23	) 	 	 	(23	) 	 	 	(24	) 	 	 	(93	) 	 	 	(24	) 	 	 	(22	) 	 	 	(21	) 	 	 	(23	) 	 	 	(90	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	$	835	  	  	$	801	  	 	$	821	  	 	$	814	  	 	$	3,271	  	 	$	840	  	 	$	825	  	 	$	846	  	 	$	832	  	 	$	3,343	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Annualized Yields	  			 	  				 				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	 	4.7	% 	  	 	4.7	% 	 	 	4.9	% 	 	 	4.7	% 	 	 	4.8	% 	 	 	4.9	% 	 	 	4.8	% 	 	 	4.9	% 	 	 	4.9	% 	 	 	4.8	% 	
Fixed maturity securities—non-taxable	  	 	2.6	% 	  	 	4.2	% 	 	 	2.9	% 	 	 	2.7	% 	 	 	3.1	% 	 	 	2.5	% 	 	 	2.4	% 	 	 	3.3	% 	 	 	3.4	% 	 	 	2.9	% 	
Commercial mortgage loans	  	 	6.2	% 	  	 	5.5	% 	 	 	5.5	% 	 	 	5.6	% 	 	 	5.7	% 	 	 	5.7	% 	 	 	5.9	% 	 	 	5.7	% 	 	 	5.5	% 	 	 	5.7	% 	
Restricted commercial mortgage loans related to securitization entities	  	 	1.5	% 	  	 	10.5	% 	 	 	8.6	% 	 	 	8.4	% 	 	 	7.6	% 	 	 	9.1	% 	 	 	8.6	% 	 	 	7.6	% 	 	 	9.0	% 	 	 	8.5	% 	
Equity securities	  	 	4.7	% 	  	 	3.2	% 	 	 	5.7	% 	 	 	3.4	% 	 	 	4.2	% 	 	 	4.1	% 	 	 	3.5	% 	 	 	5.7	% 	 	 	4.1	% 	 	 	4.4	% 	
Other invested assets	  	 	44.9	% 	  	 	42.1	% 	 	 	29.4	% 	 	 	28.3	% 	 	 	32.8	% 	 	 	18.6	% 	 	 	20.0	% 	 	 	14.0	% 	 	 	15.8	% 	 	 	17.1	% 	
Limited partnerships (1)	  	 	33.2	% 	  	 	10.4	% 	 	 	7.5	% 	 	 	2.4	% 	 	 	12.8	% 	 	 	14.0	% 	 	 	2.3	% 	 	 	22.6	% 	 	 	11.5	% 	 	 	12.7	% 	
Restricted other invested assets related to securitization entities	  	 	4.2	% 	  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	1.1	% 	 	 	1.1	% 	 	 	0.2	% 	 	 	0.1	% 	 	 	—  	% 	 	 	0.3	% 	
Policy loans	  	 	8.3	% 	  	 	7.9	% 	 	 	7.8	% 	 	 	8.0	% 	 	 	8.1	% 	 	 	7.4	% 	 	 	7.6	% 	 	 	7.8	% 	 	 	8.0	% 	 	 	7.7	% 	
Cash, cash equivalents and short-term investments	  	 	0.4	% 	  	 	0.4	% 	 	 	0.5	% 	 	 	0.7	% 	 	 	0.5	% 	 	 	0.7	% 	 	 	0.8	% 	 	 	0.9	% 	 	 	0.8	% 	 	 	0.8	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	4.9	% 	  	 	4.8	% 	 	 	4.9	% 	 	 	4.8	% 	 	 	4.8	% 	 	 	4.9	% 	 	 	4.9	% 	 	 	5.0	% 	 	 	4.9	% 	 	 	4.9	% 	
Expenses and fees	  	 	-0.1	% 	  	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.2	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	 	4.8	% 	  	 	4.7	% 	 	 	4.8	% 	 	 	4.7	% 	 	 	4.7	% 	 	 	4.8	% 	 	 	4.7	% 	 	 	4.9	% 	 	 	4.8	% 	 	 	4.8	% 	

Yields are based on net investment income as reported under U.S. GAAP and are consistent with how the company measures its investment performance for management purposes. Yields are annualized, for interim periods, and are calculated as net investment income as a percentage of average quarterly asset carrying values except for fixed maturity and equity securities, derivatives and derivative counterparty collateral, which exclude unrealized fair value adjustments and securities lending activity, which is included in other invested assets and is calculated net of the corresponding securities lending liability. See page 74 herein for average invested assets and cash used in the yield calculation.

(1)  	Limited partnership investments are equity-based and do not have fixed returns by period.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail (1) 
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	  	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	  	 	$	22	  	 	$	4	  	 	$	22	  	 	$	9	  	 	$	5	  	 	$	(1	) 	 	$	8	  	 	$	21	  	
U.S. government, agencies and government-sponsored enterprises	  	 	5	  	  	 	2	  	 	 	1	  	 	 	—  	  	 	 	8	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	7	  	
Foreign corporate	  	 	1	  	  	 	—  	  	 	 	8	  	 	 	1	  	 	 	10	  	 	 	3	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	6	  	
Foreign government	  	 	2	  	  	 	(2	) 	 	 	8	  	 	 	4	  	 	 	12	  	 	 	3	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	8	  	
Tax-exempt	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	(2	) 	 	 	—  	  	 	 	(1	) 	 	 	1	  	 	 	(1	) 	 	 	(1	) 	
Mortgage-backed securities	  	 	(2	) 	  	 	(9	) 	 	 	(15	) 	 	 	(20	) 	 	 	(46	) 	 	 	(5	) 	 	 	(1	) 	 	 	(2	) 	 	 	(2	) 	 	 	(10	) 	
Asset-backed securities	  	 	(6	) 	  	 	(5	) 	 	 	(11	) 	 	 	(8	) 	 	 	(30	) 	 	 	(14	) 	 	 	(1	) 	 	 	—  	  	 	 	1	  	 	 	(14	) 	
Equity securities	  	 	5	  	  	 	6	  	 	 	8	  	 	 	3	  	 	 	22	  	 	 	—  	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	3	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total net realized gains (losses) on available-for-sale securities	  	 	—  	  	  	 	(7	) 	 	 	21	  	 	 	(18	) 	 	 	(4	) 	 	 	(3	) 	 	 	10	  	 	 	3	  	 	 	10	  	 	 	20	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Impairments:	  			 	  				 				 				 				 				 				 				 				 				
Sub-prime residential mortgage-backed securities	  	 	(1	) 	  	 	(1	) 	 	 	—  	  	 	 	(2	) 	 	 	(4	) 	 	 	(6	) 	 	 	(8	) 	 	 	(2	) 	 	 	(2	) 	 	 	(18	) 	
Alt-A residential mortgage-backed securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(4	) 	 	 	(7	) 	 	 	(3	) 	 	 	(15	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total sub-prime and Alt-A residential mortgage-backed securities	  	 	(1	) 	  	 	(1	) 	 	 	—  	  	 	 	(2	) 	 	 	(4	) 	 	 	(7	) 	 	 	(12	) 	 	 	(9	) 	 	 	(5	) 	 	 	(33	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Prime residential mortgage-backed securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(3	) 	 	 	—  	  	 	 	(4	) 	
Other mortgage-backed securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	 	 	(1	) 	 	 	(4	) 	
Commercial mortgage-backed securities	  	 	(2	) 	  	 	(1	) 	 	 	(2	) 	 	 	(1	) 	 	 	(6	) 	 	 	(3	) 	 	 	(3	) 	 	 	(3	) 	 	 	(3	) 	 	 	(12	) 	
Corporate fixed maturity securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	(4	) 	 	 	(4	) 	 	 	(3	) 	 	 	—  	  	 	 	(10	) 	 	 	—  	  	 	 	(13	) 	
Limited partnerships	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	
Commercial mortgage loans	  	 	—  	  	  	 	(1	) 	 	 	(2	) 	 	 	—  	  	 	 	(3	) 	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	(1	) 	 	 	(3	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total impairments	  	 	(3	) 	  	 	(3	) 	 	 	(4	) 	 	 	(7	) 	 	 	(17	) 	 	 	(14	) 	 	 	(19	) 	 	 	(27	) 	 	 	(10	) 	 	 	(70	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized gains (losses) on trading securities	  	 	(5	) 	  	 	(5	) 	 	 	(11	) 	 	 	6	  	 	 	(15	) 	 	 	—  	  	 	 	9	  	 	 	22	  	 	 	(17	) 	 	 	14	  	
Derivative instruments	  	 	9	  	  	 	(12	) 	 	 	(2	) 	 	 	(27	) 	 	 	(32	) 	 	 	6	  	 	 	(2	) 	 	 	(18	) 	 	 	17	  	 	 	3	  	
Limited partnerships	  	 	—  	  	  	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Commercial mortgage loans held-for-sale market valuation allowance	  	 	(1	) 	  	 	2	  	 	 	1	  	 	 	1	  	 	 	3	  	 	 	(2	) 	 	 	1	  	 	 	1	  	 	 	2	  	 	 	2	  	
Contingent purchase price valuation change	  	 	—  	  	  	 	—  	  	 	 	(1	) 	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	(6	) 	 	 	1	  	 	 	—  	  	 	 	(4	) 	
Net gains (losses) related to securitization entities	  	 	17	  	  	 	13	  	 	 	9	  	 	 	6	  	 	 	45	  	 	 	21	  	 	 	12	  	 	 	(3	) 	 	 	22	  	 	 	52	  	
Other	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes	  	 	17	  	  	 	(14	) 	 	 	13	  	 	 	(39	) 	 	 	(23	) 	 	 	9	  	 	 	5	  	 	 	(21	) 	 	 	24	  	 	 	17	  	
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes	  	 	—  	  	  	 	4	  	 	 	5	  	 	 	12	  	 	 	21	  	 	 	(7	) 	 	 	(6	) 	 	 	3	  	 	 	(5	) 	 	 	(15	) 	
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes	  	 	(2	) 	  	 	(3	) 	 	 	(3	) 	 	 	(1	) 	 	 	(9	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(2	) 	 	 	(3	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes and other adjustments	  	$	15	  	  	$	(13	) 	 	$	15	  	 	$	(28	) 	 	$	(11	) 	 	$	2	  	 	$	(2	) 	 	$	(18	) 	 	$	17	  	 	$	(1	) 	

 

(1)  	All adjustments for income taxes assume a 35% tax rate.	
 
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 Reconciliations of Non-GAAP Measures
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 Reconciliation of Operating ROE
(amounts in millions)

Twelve Month Rolling Average ROE	  	Twelve months ended	 	
 	  	December 31,
2013	 	 	September 30,
2013	 	 	June 30,
2013	 	 	March 31,
2013	 	 	December 31,
2012	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended (1)	  	$	560	  	 	$	520	  	 	$	447	  	 	$	382	  	 	$	325	  	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	11,558	  	 	$	11,412	  	 	$	11,302	  	 	$	11,200	  	 	$	11,115	  	
GAAP Basis ROE (1)/(2)	  	 	4.8	% 	 	 	4.6	% 	 	 	4.0	% 	 	 	3.4	% 	 	 	2.9	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the twelve months ended (1)	  	$	616	  	 	$	584	  	 	$	562	  	 	$	496	  	 	$	403	  	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	11,558	  	 	$	11,412	  	 	$	11,302	  	 	$	11,200	  	 	$	11,115	  	
Operating ROE (1)/(2)	  	 	5.3	% 	 	 	5.1	% 	 	 	5.0	% 	 	 	4.4	% 	 	 	3.6	% 	
		
Quarterly Average ROE	  	Three months ended	 	
 	  	December 31,
2013	 	 	September 30,
2013	 	 	June 30,
2013	 	 	March 31,
2013	 	 	December 31,
2012	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended (3)	  	$	208	  	 	$	108	  	 	$	141	  	 	$	103	  	 	$	168	  	
Average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	11,778	  	 	$	11,606	  	 	$	11,473	  	 	$	11,345	  	 	$	11,225	  	
Annualized GAAP Quarterly Basis ROE (3)/(4)	  	 	7.1	% 	 	 	3.7	% 	 	 	4.9	% 	 	 	3.6	% 	 	 	6.0	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the period ended (3)	  	$	193	  	 	$	139	  	 	$	133	  	 	$	151	  	 	$	161	  	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	11,778	  	 	$	11,606	  	 	$	11,473	  	 	$	11,345	  	 	$	11,225	  	
Annualized Operating Quarterly Basis ROE (3)/(4)	  	 	6.6	% 	 	 	4.8	% 	 	 	4.6	% 	 	 	5.3	% 	 	 	5.7	% 	
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 9 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), but including equity related to discontinued operations 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 9 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
FOURTH QUARTER 2013
 
 Reconciliation of Expense Ratio
(amounts in millions)

 	  	2013	 	 	2012	 	
   	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
GAAP Basis Expense Ratio	  			 	 				 				 				 				 				 				 				 				 				
Acquisition and operating expenses, net of deferrals (1)	  	$	406	  	 	$	407	  	 	$	413	  	 	$	433	  	 	$	1,659	  	 	$	272	  	 	$	443	  	 	$	439	  	 	$	440	  	 	$	1,594	  	
Total revenues (2)	  	$	2,412	  	 	$	2,317	  	 	$	2,371	  	 	$	2,303	  	 	$	9,403	  	 	$	2,467	  	 	$	2,456	  	 	$	2,402	  	 	$	2,315	  	 	$	9,640	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Expense ratio (1)/(2)	  	 	16.8	% 	 	 	17.6	% 	 	 	17.4	% 	 	 	18.8	% 	 	 	17.6	% 	 	 	11.0	% 	 	 	18.0	% 	 	 	18.3	% 	 	 	19.0	% 	 	 	16.5	% 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
GAAP Basis, As Adjusted—Expense Ratio	  			 	 				 				 				 				 				 				 				 				 				
Acquisition and operating expenses, net of deferrals	  	$	406	  	 	$	407	  	 	$	413	  	 	$	433	  	 	$	1,659	  	 	$	272	  	 	$	443	  	 	$	439	  	 	$	440	  	 	$	1,594	  	
Less lifestyle protection insurance business	  	 	107	  	 	 	106	  	 	 	110	  	 	 	110	  	 	 	433	  	 	 	113	  	 	 	117	  	 	 	126	  	 	 	127	  	 	 	483	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted acquisition and operating expenses, net of deferrals (3)	  	$	299	  	 	$	301	  	 	$	303	  	 	$	323	  	 	$	1,226	  	 	$	159	  	 	$	326	  	 	$	313	  	 	$	313	  	 	$	1,111	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	$	2,412	  	 	$	2,317	  	 	$	2,371	  	 	$	2,303	  	 	$	9,403	  	 	$	2,467	  	 	$	2,456	  	 	$	2,402	  	 	$	2,315	  	 	$	9,640	  	
Less lifestyle protection insurance business	  	 	192	  	 	 	187	  	 	 	202	  	 	 	205	  	 	 	786	  	 	 	195	  	 	 	198	  	 	 	211	  	 	 	218	  	 	 	822	  	
Less net investment gains (losses)	  	 	22	  	 	 	(24	) 	 	 	5	  	 	 	(67	) 	 	 	(64	) 	 	 	11	  	 	 	8	  	 	 	(34	) 	 	 	36	  	 	 	21	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted total revenues (4)	  	$	2,198	  	 	$	2,154	  	 	$	2,164	  	 	$	2,165	  	 	$	8,681	  	 	$	2,261	  	 	$	2,250	  	 	$	2,225	  	 	$	2,061	  	 	$	8,797	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Adjusted expense ratio (3)/(4)	  	 	13.6	% 	 	 	14.0	% 	 	 	14.0	% 	 	 	14.9	% 	 	 	14.1	% 	 	 	7.0	% 	 	 	14.5	% 	 	 	14.1	% 	 	 	15.2	% 	 	 	12.6	% 	

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 business. The lifestyle protection insurance business is 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
FOURTH QUARTER 2013
 
 Reconciliation of Core Premiums
(amounts in millions)

 	  	2013	 	 	2012	 	
 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Reported premiums	  	$	1,310	  	 	$	1,291	  	 	$	1,286	  	 	$	1,261	  	 	$	5,148	  	 	$	1,320	  	 	$	1,313	  	 	$	1,302	  	 	$	1,106	  	 	$	5,041	  	
Less U.S. Life Insurance—fixed annuities premiums	  	 	15	  	 	 	21	  	 	 	15	  	 	 	13	  	 	 	64	  	 	 	30	  	 	 	26	  	 	 	15	  	 	 	33	  	 	 	104	  	
Less impact of changes in foreign exchange rates	  	 	(12	) 	 	 	(6	) 	 	 	(5	) 	 	 	6	  	 	 	(17	) 	 	 	(2	) 	 	 	(34	) 	 	 	(23	) 	 	 	(3	) 	 	 	(62	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Core premiums	  	$	1,307	  	 	$	1,276	  	 	$	1,276	  	 	$	1,242	  	 	$	5,101	  	 	$	1,292	  	 	$	1,321	  	 	$	1,310	  	 	$	1,076	  	 	$	4,999	  	

Reported premium percentage change from prior year	  	 	-0.8	% 	 	 	-1.7	% 	 	 	-1.2	% 	 	 	14.0	% 	 	 	2.1	% 	 	 	-2.2	% 	 	 	-10.0	% 	 	 	-9.9	% 	 	 	-22.9	% 	 	 	-11.4	% 	
Core premium percentage change from prior year	  	 	1.2	% 	 	 	-3.4	% 	 	 	-2.6	% 	 	 	15.4	% 	 	 	2.0	% 	 	 	-1.4	% 	 	 	-4.5	% 	 	 	-5.1	% 	 	 	-23.4	% 	 	 	-8.7	% 	
	  	 	 	 	 				 				 				 				 				 				 				 				 				
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
FOURTH QUARTER 2013
 
 Reconciliation of Core Yield

 	 	 	  	2013	 	 	2012	 	
   	 	(Assets—amounts in billions)	  	4Q	 	  	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
	 	Reported—Total Invested Assets and Cash	  	$	72.8	  	  	$	73.1	  	 	$	72.2	  	 	$	76.5	  	 	$	72.8	  	 	$	78.0	  	 	$	78.6	  	 	$	76.8	  	 	$	74.5	  	 	$	78.0	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				 				
	 	Securities lending	  	 	0.2	  	  	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.1	  	 	 	0.2	  	
	 	Unrealized gains (losses)	  	 	2.8	  	  	 	3.3	  	 	 	3.7	  	 	 	6.7	  	 	 	2.8	  	 	 	7.2	  	 	 	7.3	  	 	 	6.4	  	 	 	4.1	  	 	 	7.2	  	
	 	Derivative counterparty collateral	  	 	0.2	  	  	 	0.3	  	 	 	0.4	  	 	 	0.6	  	 	 	0.2	  	 	 	0.8	  	 	 	1.0	  	 	 	1.2	  	 	 	0.6	  	 	 	0.8	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	 	Adjusted end of period invested assets and cash	  	$	69.6	  	  	$	69.3	  	 	$	67.9	  	 	$	69.0	  	 	$	69.6	  	 	$	69.8	  	 	$	70.1	  	 	$	69.0	  	 	$	69.7	  	 	$	69.8	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(A)	 	Average Invested Assets And Cash Used in Reported Yield Calculation	  	$	69.5	  	  	$	68.6	  	 	$	68.5	  	 	$	69.4	  	 	$	69.0	  	 	$	70.0	  	 	$	69.6	  	 	$	69.4	  	 	$	69.8	  	 	$	69.7	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				 				
	 	Restricted commercial mortgage loans and other invested assets related to securitization entities	  	 	0.3	  	  	 	0.3	  	 	 	0.2	  	 	 	0.3	  	 	 	0.3	  	 	 	0.3	  	 	 	0.4	  	 	 	0.3	  	 	 	0.4	  	 	 	0.4	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(B)	 	Average Invested Assets And Cash Used in Core Yield Calculation	  	 	69.2	  	  	 	68.3	  	 	 	68.3	  	 	 	69.1	  	 	 	68.7	  	 	 	69.7	  	 	 	69.2	  	 	 	69.1	  	 	 	69.4	  	 	 	69.3	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				 				
	 	Portfolios supporting floating products and non-recourse funding obligations (1)	  	 	4.4	  	  	 	4.6	  	 	 	5.2	  	 	 	5.7	  	 	 	5.0	  	 	 	6.2	  	 	 	6.6	  	 	 	6.8	  	 	 	7.5	  	 	 	6.8	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(C)	 	Average Invested Assets And Cash Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	  	$	64.8	  	  	$	63.7	  	 	$	63.1	  	 	$	63.4	  	 	$	63.7	  	 	$	63.5	  	 	$	62.6	  	 	$	62.3	  	 	$	61.9	  	 	$	62.5	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	 	(Income—amounts in millions)	  			 	  				 				 				 				 				 				 				 				 				
(D)	 	Reported—Net Investment Income	  	$	835	  	  	$	801	  	 	$	821	  	 	$	814	  	 	$	3,271	  	 	$	840	  	 	$	825	  	 	$	846	  	 	$	832	  	 	$	3,343	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				 				
	 	Bond calls and commercial mortgage loan prepayments	  	 	8	  	  	 	15	  	 	 	14	  	 	 	10	  	 	 	47	  	 	 	13	  	 	 	14	  	 	 	4	  	 	 	5	  	 	 	36	  	
	 	Reinsurance (2)	  	 	20	  	  	 	17	  	 	 	21	  	 	 	22	  	 	 	80	  	 	 	16	  	 	 	19	  	 	 	24	  	 	 	22	  	 	 	81	  	
	 	Other non-core items (3)	  	 	17	  	  	 	4	  	 	 	19	  	 	 	2	  	 	 	42	  	 	 	13	  	 	 	3	  	 	 	8	  	 	 	4	  	 	 	28	  	
	 	Restricted commercial mortgage loans and other invested assets related to securitization entities	  	 	3	  	  	 	4	  	 	 	4	  	 	 	4	  	 	 	15	  	 	 	5	  	 	 	6	  	 	 	5	  	 	 	5	  	 	 	21	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(E)	 	Core Net Investment Income	  	 	787	  	  	 	761	  	 	 	763	  	 	 	776	  	 	 	3,087	  	 	 	793	  	 	 	783	  	 	 	805	  	 	 	796	  	 	 	3,177	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				 				
	 	Investment income from portfolios supporting floating products and non-recourse funding obligations (1)	  	 	27	  	  	 	24	  	 	 	25	  	 	 	25	  	 	 	101	  	 	 	31	  	 	 	29	  	 	 	30	  	 	 	33	  	 	 	123	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(F)	 	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	  	$	760	  	  	$	737	  	 	$	738	  	 	$	751	  	 	$	2,986	  	 	$	762	  	 	$	754	  	 	$	775	  	 	$	763	  	 	$	3,054	  	

(D) /(A)	 	Reported Yield	  	 	4.81	% 	  	 	4.67	% 	 	 	4.79	% 	 	 	4.69	% 	 	 	4.74	% 	 	 	4.80	% 	 	 	4.74	% 	 	 	4.88	% 	 	 	4.77	% 	 	 	4.80	% 	
(E) /(B)	 	Core Yield	  	 	4.55	% 	  	 	4.46	% 	 	 	4.47	% 	 	 	4.49	% 	 	 	4.49	% 	 	 	4.55	% 	 	 	4.53	% 	 	 	4.66	% 	 	 	4.59	% 	 	 	4.58	% 	
(F) /(C)	 	Core Yield (excl. Floating and Non-Recourse Funding)	  	 	4.69	% 	  	 	4.63	% 	 	 	4.68	% 	 	 	4.74	% 	 	 	4.68	% 	 	 	4.80	% 	 	 	4.82	% 	 	 	4.98	% 	 	 	4.93	% 	 	 	4.88	% 	
	 		  	 	 	 	  				 				 				 				 				 				 				 				 				
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 items that do not reflect the underlying performance of the investment portfolio. 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 cost basis adjustments on structured securities, preferred stock income and various other immaterial items.	
 
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Table of Contents
 Corporate Information
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
FOURTH QUARTER 2013
 
 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 and Annuity Insurance Company	  	A-	  	A3	  	A	
Genworth Life Insurance Company of New York	  	A-	  	A3	  	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	  	Ba2	  		
Genworth Residential Mortgage Insurance Corporation of NC	  	B	  	Ba2	  		
Genworth Financial Mortgage Insurance Pty. Limited (Australia)	  	AA-	  	A3	  		
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. (2)	  	Not rated	  	Aa3.mx	  		

(1)  	Genworth Financial Mortgage Insurance Company Canada is also rated “AA” by Dominion Bond Rating Service (DBRS).	
(2)  	Genworth Seguros de Credito a la Vivienda S.A. de C.V. is also rated “Baa3” by Moody’s on a Global Scale Insurance financial strength basis.	
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 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
FOURTH QUARTER 2013
 
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.
Moody’s states that insurance companies rated “A” (Good) offer good financial security and that insurance companies 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 groups, 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 “A3” and “Ba2” ratings are the seventh- and twelfth-highest, respectively, of Moody’s 21 ratings categories. 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 vulnerable to future events. Credit quality differs from “AAA” only to a small degree.
S&P, Moody’s, A.M. Best 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 services company meeting the retirement, longevity and lifestyle protection, investment and mortgage insurance needs of its 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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