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

FORM 8-K

CURRENT REPORT
PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
October 29, 2015
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 October 29, 2015, Genworth Financial, Inc. issued (1) a press release announcing its financial results for the quarter ended September 30, 2015, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, and (2) a financial supplement for the quarter ended September 30, 2015, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference.
The information contained in this Current Report on Form 8-K (including the exhibits) is being furnished and shall not be deemed “filed” for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to the liabilities of that Section. The information contained in this Current Report on Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in any such filing.
 
Item 9.01	Financial Statements and Exhibits.	
The following materials are furnished as exhibits to this Current Report on Form 8-K:

Exhibit
Number	  	Description of Exhibit	
		
99.1	  	Press Release dated October 29, 2015.	
		
99.2	  	Financial Supplement for the quarter ended September 30, 2015.	
 
2

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

	 		 	GENWORTH FINANCIAL, INC.	
				
Date: October 29, 2015	 		 	By:	 	/s/ Kelly L. Groh	
	 		 		 	Kelly L. Groh	
	 		 		 	Executive Vice President and Chief Financial Officer	
	 		 		 	(Principal Financial Officer)	
 
3

Exhibit Index

Exhibit
Number	  	Description of Exhibit	
		
99.1	  	Press Release dated October 29, 2015.	
		
99.2	  	Financial Supplement for the quarter ended September 30, 2015.	
 
4

Exhibit 99.1

Genworth Financial Announces Third Quarter 2015 Results
Net Operating Income Of $0.13 Per Share; Net Loss Per Share Of $0.57 Driven By Planned Life Block Sale
 
 	•	 	U.S. MI Enhanced PMIERs Compliance With Execution Of Third Reinsurance Transaction	
 
 	•	 	On Track To Close Sale Of Lifestyle Protection Insurance Business By The End Of 2015	
 
 	•	 	Life Block Sale Expected To Close In The First Quarter Of 2016	
 
 	•	 	Aggregate LTC Claim Reserve Experience In Line With Expectations	
 
 	•	 	Sequential Results Reflect Seasonally Higher Losses In Canada And U.S. Mortgage Insurance; Adverse Equity Markets And Higher Legal Accruals And Expenses In Corporate And Other Division; And Net Favorable Mortality In U.S. Life Insurance Division	
Richmond, VA (October 29, 2015) – Genworth Financial, Inc. (NYSE: GNW) today reported results for the period ended September 30, 2015. The company reported a net loss 1 of $284 million, or $0.57 per diluted share, compared with a net loss of $844 million, or $1.70 per diluted share, in the third quarter of 2014. The net loss in the quarter includes an after-tax loss of $296 million, or $0.59 per diluted share, related to a write-off of deferred acquisition costs (DAC) from the previously announced life block sale. Net operating income 2 for the third quarter of 2015 was $64 million, or $0.13 per diluted share, compared with a net operating loss of $323 million, or $0.65 per diluted share, in the third quarter of 2014.
Strategic Update
As of September 30, 2015, the U.S. mortgage insurance (MI) business would be compliant with the private mortgage insurer eligibility requirements (PMIERs) capital requirements, with a prudent buffer, when including:
 
 	•	 	An excess of loss reinsurance transaction on its 2015 book of business which has been executed with a panel of reinsurers, and would be effective as of October 1, 2015, that is expected to provide approximately $225 million of PMIERs capital credit as of December 31, 2015. This transaction, which is pending approval from the government sponsored enterprises (GSEs), has similar terms and conditions as the two recent transactions approved by the GSEs.	
 
 	•	 	An internal legal entity restructuring completed on October 1, 2015.	

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

The company has generated or expects to generate a total of approximately $525 million in PMIERs capital credit year-to-date from three reinsurance transactions covering the 2009 through 2015 books of business in addition to the intercompany sale of its ownership of affiliated preferred securities of approximately $200 million. The company will work to maintain a prudent level of capital in excess of the PMIERs capital requirements.
The company continues to make progress on the completion of the planned sale of its lifestyle protection insurance business. The transaction is expected to generate approximately $400 million in net proceeds and close by the end of 2015, subject to customary conditions, including requisite regulatory approvals.
In September 2015, the company announced it had agreed to sell certain blocks of its term life insurance to Protective Life Insurance Company which is expected to generate initial capital of approximately $100 to $150 million in aggregate to Genworth. The transaction is expected to utilize all of the net operating losses in the U.S. life insurance companies resulting in expected intercompany tax payments over time to the holding company and other entities for the use of tax benefits. The transaction is expected to close in the first quarter of 2016, subject to customary conditions, including requisite regulatory approvals.
In October 2015, the company announced it had entered into an agreement to sell its European mortgage insurance business to AmTrust Financial Services, Inc. that is expected to result in net proceeds of approximately $55 million. These proceeds will provide additional capital credit to Genworth Mortgage Insurance Corporation under PMIERs. Additionally, the company expects to record an after-tax GAAP loss of approximately $140 million related to the sale in the fourth quarter of 2015. The transaction is expected to close in the first quarter of 2016 and is subject to customary conditions, including requisite regulatory approvals.
The company has taken and will continue to take steps to bring cash expenses in line with near-term sales levels. The company now expects to achieve its annualized cash savings target of $100 million pre-tax or more in the first half of 2016.
“Our Global Mortgage Insurance Division is performing well with strong loss ratios and U.S. MI made substantial progress towards PMIERs compliance. Long term care insurance remains challenged, but we continue to receive significant premium rate increases and claims experience remained in line with our expectations,” said Tom McInerney, President and CEO. “We are making progress on our strategic priorities and will continue to explore strategic options to accelerate our turnaround.”
 
2

																					
Consolidated Net Loss & Net Operating Income (Loss) 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
  	  	Three months ended September 30
(Unaudited)	 	 	 	 	
 	  	2015	 	 	2014	 	 	 	 	
(Amounts in millions, except per share)                              	  	Total	 	 	Per
diluted
share	 	 	Total	 	 	Per
diluted
share	 	 	Total
% change	 	
						
Net loss available to Genworth’s common stockholders	  	$	(284	) 	 	$	(0.57	) 	 	$	(844	) 	 	$	(1.70	) 	 	 	66 	% 	
Net operating income (loss)	  	$	64	 	 	$	0.13	 	 	$	(323	) 	 	$	(0.65	) 	 	 	120 	% 	
Weighted average diluted shares 3	  	 	497.4	 	 				 	 	496.6	 	 				 				

 	  	Three months ended September 30
(Unaudited)	 	
 	  	2015	 	  	2014	 	
Book value per share	  	$	27.29	 	  	$	30.54	  	
Book value per share, excluding accumulated other comprehensive income (loss)	  	$	20.30	 	  	$	22.62	  	
Net investment losses, net of taxes and other adjustments, were $22 million in the quarter, compared to net investment gains of $4 million in the prior quarter and net investment losses of $10 million in the prior year. Total impairments, net of tax, were $6 million in the quarter, compared to none in the prior quarter and $4 million in the prior year.
Net investment income decreased to $783 million, compared to $793 million in the prior quarter primarily from lower limited partnership income. The reported yield for the current quarter was 4.46 percent. The core yield 2 was 4.39 percent, down from the prior quarter.
Net operating income (loss) results are summarized in the table below:

Net Operating Income (Loss)	  	 	 	 	 	 	 	 	 	
(Amounts in millions)               	  	Q3 15	 	 	Q2 15	 	 	Q3 14	 	
Global Mortgage Insurance Division	  	$	91	  	 	$	110	  	 	$	85	 	
U.S. Life Insurance Division	  	 	40	  	 	 	57	  	 	 	(322	) 	
Corporate and Other Division	  	 	(67	) 	 	 	(48	) 	 	 	(86	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Net Operating Income (Loss)	  	$	64	  	 	$	119	  	 	$	(323	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net operating income (loss) represents net operating income (loss) from continuing operations excluding 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, restructuring costs and other adjustments, net of taxes. A reconciliation of net operating income (loss) of segments and Corporate and Other activities to net loss is included at the end of this press release.

3  	Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations for the three months ended September 30, 2015 and 2014, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share for the three months ended September 30, 2015 and 2014, as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 1.3 million and 5.4 million, respectively, would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations for the three months ended September 30, 2015 and 2014, dilutive potential weighted-average common shares outstanding would have been 498.7 million and 502.0 million, respectively. Since it had net operating income for the three months ended September 30, 2015, the company used 498.7 million diluted weighted-average common shares outstanding in the calculation of diluted net operating income per common share.	
 
3

Unless specifically noted in the discussion of results for the International Mortgage Insurance segment, references to percentage changes exclude the impact of translating foreign denominated activity into U.S. dollars (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 results in the third quarter of 2015 was an unfavorable $13 million versus the prior year.
Global Mortgage Insurance Division
Global Mortgage Insurance Division had net operating income of $91 million, compared with $110 million in the prior quarter and $85 million a year ago.

Global Mortgage Insurance Division	  	 	 	 	 	 	 	 	 	
Net Operating Income (Loss)	  	 	 	 	 	 	 	 	 	
(Amounts in millions)                           	  	Q3 15	 	 	Q2 15	 	 	Q3 14	 	
International Mortgage Insurance	  				 				 				
Canada	  	$	38	  	 	$	37	  	 	$	46	 	
Australia	  	 	21	  	 	 	29	  	 	 	48	 	
Other Countries	  	 	(5	) 	 	 	(5	) 	 	 	(7	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance	  	 	54	  	 	 	61	  	 	 	87	 	
U.S. Mortgage Insurance	  	 	37	  	 	 	49	  	 	 	(2	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance	  	$	  91	  	 	$	110	  	 	$	  85	 	

Sales	  	 	 	 	 	 	 	 	 	
(Amounts in billions)	  	Q3 15	 	 	Q2 15	 	 	Q3 14	 	
International Mortgage Insurance	  				 				 				
Flow	  				 				 				
Canada	  	$	6.6	 	 	$	5.4	 	 	$	6.8	 	
Australia	  	 	6.3	 	 	 	6.5	 	 	 	8.1	 	
Other Countries	  	 	0.6	 	 	 	0.5	 	 	 	0.4	 	
Bulk	  				 				 				
Canada	  	 	4.8	 	 	 	3.3	 	 	 	5.6	 	
Australia	  	 	—  	  	 	 	1.7	 	 	 	1.0	 	
				
U.S. Mortgage Insurance	  				 				 				
Primary Flow	  	 	9.3	 	 	 	8.2	 	 	 	7.5	 	
Canada Mortgage Insurance
Canada reported net operating income of $38 million versus $37 million in the prior quarter and $46 million in the prior year. The loss ratio in the quarter was 21 percent, up four points from the prior quarter driven by a seasonal increase in new delinquencies, net of cures, and flat compared to the prior year. Results included lower expenses versus the prior quarter and unfavorable foreign exchange versus the prior year of $7 million. Flow new insurance written (NIW) was up 26 percent 4 sequentially from a seasonally larger originations market and up 15 percent 4 year over year primarily from an increase in market penetration. In addition, the company completed several bulk transactions in the quarter of approximately $4.8 billion in total, consisting of low loan-to-value prime loans.

4  	Percent change excludes the impact of foreign exchange.	
 
4

Australia Mortgage Insurance
Australia reported net operating income of $21 million versus $29 million in the prior quarter and $48 million in the prior year. The loss ratio in the quarter was 29 percent, up one point sequentially and eight points from the prior year. Results in the quarter include actuarial updates to earned premiums and loss reserves which combined had a negligible impact on earnings, but did unfavorably impact the loss ratio by approximately seven points. New delinquencies were down 10 percent sequentially and cures were up 11 percent sequentially from normal seasonal variation, including improved performance in Queensland and Western Australia. Results versus the prior quarter were lower by $6 million from the company’s further sell down of approximately 14 percent of its ownership in the Australia business in May 2015, less favorable tax benefits and unfavorable foreign exchange. Results versus the prior year were also impacted by less favorable tax benefits of $15 million, an unfavorable $8 million related to the further sell down in May 2015 and unfavorable foreign exchange of $6 million. Flow NIW was up two percent 4 sequentially and down two percent 4 year over year.
Other Countries Mortgage Insurance
Other Countries had a net operating loss of $5 million, flat to the prior quarter and down from a net operating loss of $7 million in the prior year.
U.S. Mortgage Insurance
U.S. MI net operating income was $37 million, compared with net operating income of $49 million in the prior quarter and a net operating loss of $2 million in the prior year. The prior year included an unfavorable impact of $34 million related to loss mitigation settlements. The loss ratio in the current quarter was 43 percent, up 10 points sequentially reflecting normal seasonal variation in new flow delinquencies which increased approximately 13 percent from the prior quarter and decreased approximately 11 percent from the prior year, reflecting the continued burn through of delinquencies from the 2005 to 2008 book years. Results versus the prior year also reflected lower net investment income, primarily related to an approximately $8 million reduction from the affiliated preferred securities that were transferred to the holding company in July 2015.
Flow NIW of $9.3 billion increased 13 percent from the prior quarter from a larger purchase originations market and increased 24 percent versus the prior year primarily from a larger purchase originations market and higher refinance activity. During the third quarter, the company increased its single premium lender paid new insurance written and continues its selective participation in this market. Future volumes of this product will vary in part depending on the company’s evaluation of the risk return profile of these transactions.
 
5

U.S. Life Insurance Division
U.S. Life Insurance Division net operating income was $40 million, compared with net operating income of $57 million in the prior quarter and a net operating loss of $322 million a year ago.

U.S. Life Insurance Division  	  	 	 	 	 	 	  	 	 	
Net Operating Income (Loss)	  	 	 	 	 	 	  	 	 	
(Amounts in millions)              	  	Q3 15	 	 	Q2 15	 	  	Q3 14	 	
U.S. Life Insurance	  				 				  				
Long Term Care Insurance	  	$	(10	) 	 	$	10	 	  	$	(361	) 	
Life Insurance	  	 	31	 	 	 	22	 	  	 	13	 	
Fixed Annuities	  	 	19	 	 	 	25	 	  	 	26	 	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total U.S. Life Insurance	  	 	40	 	 	 	57	 	  	 	(322	) 	
	  	 	 	 	 	 	 	 	  	 	 	 	
Total U.S. Life Insurance	  	$	40	 	 	$	57	 	  	$	(322	) 	

Sales	  	 	 	 	 	 	  	 	 	
(Amounts in millions)	  	Q3 15	 	 	Q2 15	 	  	Q3 14	 	
U.S. Life Insurance	  				 				  				
Long Term Care Insurance	  				 				  				
Individual	  	$	7	 	 	$	8	 	  	$	28	 	
Group	  	 	1	 	 	 	1	 	  	 	1	 	
Life Insurance	  				 				  				
Term Life	  	 	7	 	 	 	9	 	  	 	13	 	
Universal Life	  	 	2	 	 	 	4	 	  	 	11	 	
Linked Benefits	  	 	3	 	 	 	2	 	  	 	4	 	
Fixed Annuities	  	 	260	 	 	 	224	 	  	 	371	 	
Long Term Care Insurance
Long term care insurance (LTC) had a net operating loss of $10 million, compared with net operating income of $10 million in the prior quarter and a net operating loss of $361 million in the prior year. Results in the quarter reflected $21 million of after-tax unfavorable items, due largely to corrections to reinsurance, premium taxes and group LTC reserves. The current quarter included favorable mortality on existing claims versus the prior year, unfavorable severity given the mix of new claims with a higher average reserve versus the prior year and less favorable benefits from reinsurance versus both the prior quarter and prior year. Results in the prior quarter included net favorable items of $12 million after-tax while results in the prior year included $380 million after-tax of unfavorable items. The loss ratio in the current quarter was 76 percent. Given that experience in aggregate included in this year’s claim reserves review was in line with expectations, the company made no significant adjustments in the current quarter to its assumptions and methodologies related to its LTC claim reserves.
Results for the quarter included a favorable impact from higher premiums and reduced benefit options of $19 million after-tax versus the prior quarter and $16 million after-tax versus the prior year related to premium increases from in force rate actions approved and implemented to date.
Individual LTC sales of $7 million were lower than the prior quarter and the prior year. Sales are expected to continue at low levels in the near term due to the 2014 introduction of a higher priced LTC product and lower ratings, but build over time as new products and distribution strategies are introduced.
 
6

Life Insurance
Life insurance net operating income was $31 million, compared with $22 million in the prior quarter and $13 million in the prior year. Results in the quarter included favorable mortality versus both the prior quarter and prior year in addition to higher reinsurance expenses versus the prior year. Results in the prior year reflected $10 million of net unfavorable items. Sales of $12 million decreased compared to the prior quarter and the prior year.
Fixed Annuities
Fixed annuities net operating income was $19 million, compared with $25 million in the prior quarter and $26 million in the prior year. Results in the quarter reflected unfavorable impacts from mortality and lower limited partnership income versus both the prior quarter and prior year. Sales in the quarter totaled $260 million, up sequentially and down versus the prior year.
Corporate and Other Division
Corporate and Other Division net operating loss was $67 million, compared with $48 million in the prior quarter and $86 million in the prior year.

Corporate and Other Division	  	 	 	 	 	 	 	 	 	
Net Operating Income (Loss)	  	 	 	 	 	 	 	 	 	
(Amounts in millions)                	  	Q3 15	 	 	Q2 15	 	 	Q3 14	 	
Runoff	  	$	(4	) 	 	$	9	 	 	$	5	 	
Corporate and Other	  	 	(63	) 	 	 	(57	) 	 	 	(91	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other	  	$	(67	) 	 	$	(48	) 	 	$	(86	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Runoff net operating loss was $4 million, compared with net operating income of $9 million in the prior quarter and net operating income of $5 million in the prior year reflecting unfavorable equity market performance versus the prior quarter and prior year and lower limited partnership income versus the prior quarter. Results in the prior year also included a favorable impact from refinement of DAC assumptions related to the company’s annual review of assumptions in variable annuity products.
Corporate and Other net operating loss was $63 million, compared with $57 million in the prior quarter and $91 million in the prior year. Results in the current quarter included higher legal accruals and expenses of $17 million after-tax. Results versus the prior year reflected less favorable taxes.
 
7

Capital & Liquidity
Genworth maintains solid capital positions in its operating subsidiaries.

Key Capital & Liquidity Metrics	  	 	 	 	 	 	 	 	 	
(Dollar amounts in millions)          	  	Q3 15	 	 	Q2 15	 	 	Q3 14	 	
Canada MI	  				 				 				
Minimum Capital Test (MCT) Ratio 5	  	 	227	% 	 	 	231	% 	 	 	224	% 	
Australia MI	  				 				 				
Prescribed Capital Amount (PCA) Ratio 5	  	 	167	% 	 	 	164	% 	 	 	156	% 	
U.S. MI	  				 				 				
Consolidated Risk-To-Capital Ratio 5	  	 	14.3:1	  	 	 	13.7:1	  	 	 	15.4:1	  	
GMICO Risk-To-Capital Ratio 5	  	 	14.3:1	  	 	 	13.5:1	  	 	 	14.8:1	  	
U.S. Life Companies	  				 				 				
Consolidated Risk-Based Capital (RBC) Ratio 5	  	 	445	% 	 	 	455	% 	 	 	448	% 	
Unassigned Surplus 5	  	$	75	  	 	$	97	 	 	$	291	 	
Holding Company Cash 6 and Liquid Assets 7  	  	$	983	 	 	$	1,154	 	 	$	1,138	 	
Key Points
 
 	•	 	$102 million of dividends from the operating subsidiaries were paid to the holding company during the third quarter in addition to the remaining $50 million in net proceeds related to the sale of 92.3 million shares of the Australia MI business in May 2015;	
 
 	•	 	In July 2015, approximately $200 million of cash from Genworth Holdings, Inc. was paid to U.S. MI in exchange for the business’ ownership interest in affiliated preferred securities;	
 
 	•	 	Unassigned surplus and RBC ratio declined versus the prior quarter primarily from unfavorable equity market impacts in runoff and lower LTC earnings, partially offset by favorable taxes;	
 
 	•	 	The holding company ended the third quarter with a buffer of approximately $490 million in excess of one and a half times annual debt service and restricted cash;	
 
 	•	 	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; and	
 
 	•	 	A $90 million reduction in surplus occurred in U.S. MI related to the anticipated sale of the European MI business, increasing the consolidated risk-to-capital ratio by less than one point.	

5  	Company estimate for the third quarter of 2015, due to timing of the filing of statutory statements.	
6  	Holding company cash & liquid assets comprises assets held in Genworth Holdings, Inc. (the issuer of outstanding public debt) which is a wholly-owned subsidiary of Genworth Financial, Inc.	
7  	Comprises cash and cash equivalents of $733 million, $904 million and $988 million, respectively, and U.S. government bonds of $250 million, $250 million and $150 million, respectively, as of September 30, 2015, June 30, 2015 and September 30, 2014.	
 
8

About Genworth Financial
Genworth Financial, Inc. (NYSE: GNW) is a leading Fortune 500 insurance holding company committed to helping families become more financially secure, self-reliant and prepared for the future. Genworth has leadership positions in mortgage insurance and long term care insurance and product offerings in life insurance and fixed annuities that assist consumers in solving their home ownership, insurance and retirement needs. To help families start “the talk” about their futures and long term care planning, Genworth recently completed the first stage of its national #LetsTalk Tour to encourage conversations and information sharing. Headquartered in Richmond, Virginia, Genworth 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 . From time to time, Genworth’s publicly traded subsidiaries, Genworth MI Canada Inc. and Genworth Mortgage Insurance Australia Limited, separately release financial and other information about their operations. This information can be found at  http://genworth.ca  and http://www.genworth.com.au .
Conference Call and Financial Supplement Information
This press release and the third quarter 2015 financial supplement are now posted on the company’s website. Additional information regarding business results and strategic update will be posted on the company’s website, http://investor.genworth.com , by 7:30 a.m. on October 30, 2015. Investors are encouraged to review these materials.
Genworth will conduct a conference call on October 30, 2015 at 8:00 a.m. (ET) to discuss third quarter 2015 results and provide an update on strategic priorities. 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 # 726558. To participate in the call by webcast, register at http://investor.genworth.com at least 15 minutes prior to the webcast to download and install any necessary software.
Replays of the call will be available through November 13, 2015 at 888 203.1112 or 719 457.0820 (outside the U.S.); conference ID # 726558. The webcast will also be archived on the company’s website.
 
9

Use of Non-GAAP Measures
This press release includes the non-GAAP financial measures entitled “net operating income (loss)” and “net operating income (loss) per common share.” Net operating income (loss) per common 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, restructuring costs 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 certain 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, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from net operating income (loss) because, in the company’s opinion, they are not indicative of overall operating trends. Infrequent or unusual 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.
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.
In the third quarter of 2014, the company recorded goodwill impairments of $167 million, net of taxes, in the long-term care insurance business and $350 million, net of taxes, in the life insurance business.
In the third quarter of 2015, the company paid an early redemption payment of approximately $1 million, net of taxes and portion attributable to noncontrolling interests, related to the early redemption of Genworth Financial Mortgage Insurance Pty Limited’s notes that were scheduled to mature in 2021. In the third quarter of 2015, the company also repurchased approximately $50 million principal amount of Genworth Holdings, Inc.’s notes with various maturity dates for a loss of $1 million, net of taxes. These transactions were excluded from net operating income (loss) for the periods presented as they related to a loss on the early extinguishment of debt.
 
10

In the third quarter of 2015, the company recorded a DAC impairment of $296 million, net of taxes, on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.
In the second quarter of 2015, the company recorded a $2 million after-tax expense related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses.
There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than the following item. The company recognized a tax charge of $7 million in the third quarter of 2015 from potential business portfolio changes related to its mortgage insurance business in Europe.
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 (loss) available to Genworth’s common stockholders for the three months ended September 30, 2015 and 2014, as well as for the three months ended June 30, 2015.
Adjustments to reconcile net income (loss) attributable to Genworth’s common stockholders and net operating income (loss) assume a 35 percent tax rate and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for DAC and other intangible amortization and certain benefit reserves.
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 is not a substitute for investment yield determined in accordance with GAAP. 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.
Results of Operations by Segment
In the first quarter of 2015, the company revised how it allocates the consolidated provision for income taxes to its operating segments to simplify the process and reflect how the chief operating decision maker is evaluating segment performance. The revised methodology applies a specific tax rate to the pre-tax income (loss) of each segment, which is then adjusted in each segment to reflect the tax attributes of items unique to that segment such as foreign income. The difference between the consolidated provision for income taxes and the sum of the provision for income taxes in each segment is reflected in Corporate and Other activities. Previously, the company calculated a unique income tax provision for each segment based on quarterly changes to tax attributes and implications of transactions specific to each product within the segment.
The annually-determined tax rates and adjustments to each segment’s provision for income taxes are estimates which are subject to review and could change from year to year. Prior year amounts have not been re-presented to reflect this revised presentation and are, therefore, not comparable to the current year provision for income taxes by segment. However, the company does not believe that the previous methodology would have resulted in a materially different segment-level provision for income taxes.
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) new insurance written for mortgage insurance; (2) annualized first-year premiums for long term care and term life
 
11

insurance products; (3) annualized first-year deposits plus five percent of excess deposits for universal and term universal life insurance products; (4) 10 percent of premium deposits for linked-benefits products; and (5) new and additional premiums/deposits for fixed annuities. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers new insurance written, annualized first-year premiums/deposits, premium equivalents and new premiums/deposits 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 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 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. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100 percent coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor. 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 measures of the company’s operating performance because they represent measures of the size of the business at a specific date which will generate revenues and profits in a future period, rather than measures of the company’s revenues or profitability during that period.
Management also regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage 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 and helps to enhance the understanding of the operating performance of the businesses.
An assumed tax rate of 35 percent is utilized in certain adjustments to net operating income (loss) and in the explanation of specific variances of operating performance and investment results.
These operating performance measures enable the company to compare its operating performance across periods without regard to revenues or profitability related to policies or contracts sold in prior periods or from investments or other sources.
Cautionary Note Regarding Forward-Looking Statements
This press release contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “seeks,” “estimates,” “will” or words of similar meaning and include, but are not limited to, statements regarding the outlook for the company’s future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including, but not limited to, the following:
 
 	•	 	Risks relating to all of the company’s businesses, including: (i) inability to successfully develop and execute strategic plans to effectively address the company’s current business challenges (including with respect to its long term care insurance business, ratings and capital), including as a result of the inability to complete the planned sale of the company’s lifestyle protection insurance business, certain blocks of the company’s term life insurance or the company’s European mortgage insurance business at all or on the terms anticipated and failure to attract buyers for any other businesses or other assets the	
 
12

 	company may seek to sell, or securities it may seek to issue, in each case, in a timely manner on anticipated terms; inability to generate required capital; failure to obtain any required regulatory, stockholder and/or noteholder approvals or consents, or the company’s challenges changing or being more costly or difficult to successfully address than currently anticipated or the benefits achieved being less than anticipated; inability to successfully develop more targeted product features and benefits, strengthen relationships with producers or achieve anticipated cost-savings in a timely manner; adverse tax or accounting charges; (ii) inability to increase the capital needed in the company’s businesses in a timely manner and on anticipated terms, including through improved business performance, reinsurance or similar transactions, asset sales, securities offerings or otherwise, in each case as and when required; (iii) inadequate reserves and the need to increase reserves, including as a result of any changes the company may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews (including as a result of the company’s actual experience differing significantly from its assumptions); (iv) ineffective or inadequate risk management in identifying, controlling or mitigating risks; weaknesses in, or ineffective, internal controls; (v) recent or future adverse rating agency actions, including with respect to rating downgrades or potential downgrades, being placed on negative outlook or being put on review for potential downgrade, all of which could have adverse implications for the company, including with respect to key business relationships, product offerings, business results of operations, financial condition and capital needs, strategic plans, collateral obligations and availability and terms of hedging, reinsurance and borrowings; (vi) inability to retain, attract and motivate qualified employees and independent sales representatives, particularly in the light of the company’s recent business challenges; (vii) adverse change in regulatory requirements, including risk-based capital; (viii) dependence on dividends and other distributions from the company’s subsidiaries (particularly the company’s international subsidiaries) and the inability of any subsidiaries to pay dividends or make other distributions to the company, including as a result of the performance of the subsidiaries and insurance, regulatory or corporate law restrictions (including the unwillingness or inability of the subsidiary that indirectly owns most of the company’s interests in the Australian and Canadian mortgage insurance businesses to pay the dividends that it receives from those businesses as a result of the impact on its financial condition of its capital support for certain long term care insurance related reinsurance arrangements); (ix) inability to borrow under the company’s credit facility; (x) downturns and volatility in global economies and equity and credit markets; (xi) interest rates and changes in rates; (xii) availability, affordability and adequacy of reinsurance to protect the company against losses; (xiii) defaults by counterparties to reinsurance arrangements or derivative instruments; (xiv) changes in valuation of fixed maturity, equity and trading securities; (xv) defaults or other events impacting the value of the company’s fixed maturity securities portfolio; (xvi) defaults on the company’s commercial mortgage loans or the mortgage loans underlying its investments in commercial mortgage-backed securities and volatility in performance; (xvii) competition; (xviii) reliance on, and loss of, key distribution relationships; (xix) extensive regulation of the company’s businesses and changes in applicable laws and regulations; (xx) litigation and regulatory investigations or other actions (including the two shareholder putative class action lawsuits alleging securities law violations filed against the company in 2014); (xxi) the material weakness in the company’s internal control over financial reporting; (xxii) failure or any compromise of the security of the company’s computer systems, disaster recovery systems and business continuity plans and failures to safeguard, or breaches of, the company’s confidential information; (xxiii) occurrence of natural or man-made disasters or a pandemic; (xxiv) impact of additional regulations pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act; (xxv) changes in accounting and reporting standards; (xxvi) impairments of or valuation allowances against the company’s deferred tax assets; (xxvii) accelerated amortization of DAC and present value of future profits (including as a result of any changes the company may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews); (xxviii) political and economic instability or changes in government policies; and (xxix) fluctuations in foreign currency exchange rates and international securities markets;	
 
 	•	 	Risks relating primarily to the company’s mortgage insurance businesses, including: (i) deterioration in economic conditions or a decline in home prices that adversely affect the company’s loss experience in mortgage insurance; (ii) premiums for the significant portion of the company’s international mortgage insurance risk in-force with high loan-to-value ratios may not be sufficient to compensate the company for the greater risks associated with those policies; (iii) competition in the company’s	
 
13

 	international and U.S. mortgage insurance businesses, including from government and government-owned and GSEs offering mortgage insurance; (iv) changes in regulations adversely affecting the company’s international operations; (v) inability to meet or maintain the PMIERs on the contemplated timetable with the contemplated funding; (vi) inability of U.S. mortgage insurance subsidiaries to meet minimum statutory capital requirements and hazardous financial condition standards; (vii) the influence of Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) and a small number of large mortgage lenders on the U.S. mortgage insurance market and adverse changes to the role or structure of Fannie Mae and Freddie Mac; (viii) increases in U.S. mortgage insurance default rates; (ix) inability to realize anticipated benefits of the company’s rescissions, curtailments, loan modifications or other similar programs in its U.S. mortgage insurance business; (x) problems associated with foreclosure process defects in the United States that may defer claim payments; (xi) competition with GSEs may put the company at a disadvantage on pricing and other terms and conditions; (xii) adverse changes in regulations affecting the company’s U.S. mortgage insurance business; (xiii) decreases in the volume of high loan-to-value mortgage originations or increases in mortgage insurance cancellations in the United States; (xiv) increases in the use of alternatives to private mortgage insurance in the United States and reductions in the level of coverage selected; and (xv) potential liabilities in connection with the company’s U.S. contract underwriting services;	
 
 	•	 	Risks relating primarily to the company’s long term care insurance, life insurance and annuities businesses, including: (i) the company’s inability to increase sufficiently, and in a timely manner, premiums on in-force long term care insurance policies and/or reduce in-force benefits, and charge higher premiums on new policies, in each case, as currently anticipated (including the future increases assumed in connection with the completion of the company’s margin reviews in the fourth quarter of 2014) and as may be required from time to time in the future (including as a result of its failure to obtain any necessary regulatory approvals or unwillingness or inability of policyholders to pay increased premiums); the company’s inability to reflect future premium increases and other management actions in its margin calculation as anticipated; (ii) failure to sufficiently increase demand for the company’s long term care insurance, life insurance and fixed annuity products; (iii) adverse impact on the company’s financial results as a result of projected profits followed by projected losses (as is currently the case with the company’s long term care insurance business); (iv) deviations from the persistency assumptions used to price and establish reserves for the company’s insurance policies and annuity contracts; (v) medical advances, such as genetic research and diagnostic imaging, and related legislation that impact policyholder behavior in ways adverse to the company; and (vi) inability to continue to implement actions to mitigate the impact of statutory reserve requirements;	
 
 	•	 	Other risks, including: (i) the possibility that in certain circumstances the company will be obligated to make payments to General Electric Company (GE) under the tax matters agreement with GE even if its corresponding tax savings are never realized and payments could be accelerated in the event of certain changes in control; and (ii) provisions of the company’s certificate of incorporation and bylaws and the tax matters agreement with GE may discourage takeover attempts and business combinations that stockholders might consider in their best interests; and	
 
 	•	 	Risks relating to the company’s common stock, including: (i) the continued suspension of payment of dividends; and (ii) 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:	  	Amy Corbin, 804 662.2685	
		
	  	amy.corbin@genworth.com	
		
Media:	  	Julie Westermann, 804 662.2423	
		
	  	julie.westermann@genworth.com	
 
14

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

 	  	Three months ended
September 30,	 	
 	  	2015	 	 	2014	 	
Revenues:	  				 				
Premiums	  	$	1,145	 	 	$	1,210	 	
Net investment income	  	 	783	 	 	 	778	 	
Net investment gains (losses)	  	 	(51	) 	 	 	(27	) 	
Insurance and investment product fees and other	  	 	223	 	 	 	229	 	
	  	 	 	 	 	 	 	 	
Total revenues	  	 	2,100	 	 	 	2,190	 	
	  	 	 	 	 	 	 	 	
Benefits and expenses:	  				 				
Benefits and other changes in policy reserves	  	 	1,290	 	 	 	1,934	 	
Interest credited	  	 	179	 	 	 	185	 	
Acquisition and operating expenses, net of deferrals	  	 	314	 	 	 	284	 	
Amortization of deferred acquisition costs and intangibles	  	 	563	 	 	 	113	 	
Goodwill impairment	  	 	—  	 	 	 	550	 	
Interest expense	  	 	105	 	 	 	104	 	
	  	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	2,451	 	 	 	3,170	 	
	  	 	 	 	 	 	 	 	
Loss from continuing operations before income taxes	  	 	(351	) 	 	 	(980	) 	
Benefit for income taxes	  	 	(134	) 	 	 	(187	) 	
	  	 	 	 	 	 	 	 	
Loss from continuing operations	  	 	(217	) 	 	 	(793	) 	
Income (loss) from discontinued operations, net of taxes	  	 	(21	) 	 	 	6	 	
	  	 	 	 	 	 	 	 	
Net loss	  	 	(238	) 	 	 	(787	) 	
Less: net income attributable to noncontrolling interests	  	 	46	 	 	 	57	 	
	  	 	 	 	 	 	 	 	
Net loss available to Genworth Financial, Inc.’s common stockholders	  	$	(284	) 	 	$	(844	) 	

Loss from continuing operations available to Genworth Financial, Inc.’s common stockholders per common share:	  				 				
Basic	  	$	(0.53	) 	 	$	(1.71	) 	
	  	 	 	 	 	 	 	 	
Diluted	  	$	(0.53	) 	 	$	(1.71	) 	
	  	 	 	 	 	 	 	 	
Net loss available to Genworth Financial, Inc.’s common stockholders per common share:	  				 				
Basic	  	$	(0.57	) 	 	$	(1.70	) 	
	  	 	 	 	 	 	 	 	
Diluted	  	$	(0.57	) 	 	$	(1.70	) 	
	  	 	 	 	 	 	 	 	
Weighted-average shares outstanding:	  				 				
Basic	  	 	497.4	 	 	 	496.6	 	
	  	 	 	 	 	 	 	 	
Diluted 3	  	 	497.4	 	 	 	496.6	 	

15

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

 	  	Three
months ended
September 30,	 	 	Three
months ended
June 30,	 	
 	  	2015	 	 	2014	 	 	2015	 	
Net operating income (loss):	  				 				 				
Global Mortgage Insurance Division	  				 				 				
International Mortgage Insurance segment	  				 				 				
Canada	  	$	38	  	 	$	46	 	 	$	37	  	
Australia	  	 	21	  	 	 	48	 	 	 	29	  	
Other Countries	  	 	(5	) 	 	 	(7	) 	 	 	(5	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	54	  	 	 	87	 	 	 	61	  	
U.S. Mortgage Insurance segment	  	 	37	  	 	 	(2	) 	 	 	49	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	91	  	 	 	85	 	 	 	110	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
U.S. Life Insurance Division	  				 				 				
U.S. Life Insurance segment	  				 				 				
Long Term Care Insurance	  	 	(10	) 	 	 	(361	) 	 	 	10	  	
Life Insurance	  	 	31	  	 	 	13	 	 	 	22	  	
Fixed Annuities	  	 	19	  	 	 	26	 	 	 	25	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	40	  	 	 	(322	) 	 	 	57	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance Division	  	 	40	  	 	 	(322	) 	 	 	57	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Other Division	  				 				 				
Runoff segment	  	 	(4	) 	 	 	5	 	 	 	9	  	
Corporate and Other	  	 	(63	) 	 	 	(91	) 	 	 	(57	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other Division	  	 	(67	) 	 	 	(86	) 	 	 	(48	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net operating income (loss)	  	 	64	  	 	 	(323	) 	 	 	119	  	
Adjustments to net operating income (loss):	  				 				 				
Net investment gains (losses), net (see below for reconciliation)	  	 	(22	) 	 	 	(10	) 	 	 	4	  	
Goodwill impairment, net	  	 	—  	  	 	 	(517	) 	 	 	—  	  	
Gains (losses) on early extinguishment of debt, net	  	 	(2	) 	 	 	—  	 	 	 	—  	  	
Gains (losses) from life block transactions, net	  	 	(296	) 	 	 	—  	 	 	 	—  	  	
Expenses related to restructuring, net	  	 	—  	  	 	 	—  	 	 	 	(2	) 	
Tax impact from potential business portfolio changes	  	 	(7	) 	 	 	—  	 	 	 	—  	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders	  	 	(263	) 	 	 	(850	) 	 	 	121	  	
Net income attributable to noncontrolling interests	  	 	46	  	 	 	57	 	 	 	54	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Income (loss) from continuing operations	  	 	(217	) 	 	 	(793	) 	 	 	175	  	
Income (loss) from discontinued operations, net of taxes	  	 	(21	) 	 	 	6	 	 	 	(314	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net loss	  	 	(238	) 	 	 	(787	) 	 	 	(139	) 	
Less: net income attributable to noncontrolling interests	  	 	46	  	 	 	57	 	 	 	54	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net loss available to Genworth Financial, Inc.’s common stockholders	  	$	(284	) 	 	$	(844	) 	 	$	(193	) 	

Net loss available to Genworth Financial, Inc.’s common stockholders per common share:	  				 				 				
Basic	  	$	(0.57	) 	 	$	(1.70	) 	 	$	(0.39	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Diluted	  	$	(0.57	) 	 	$	(1.70	) 	 	$	(0.39	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net operating income (loss) per common share:	  				 				 				
Basic	  	$	0.13	  	 	$	(0.65	) 	 	$	0.24	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Diluted	  	$	0.13	  	 	$	(0.65	) 	 	$	0.24	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Weighted-average shares outstanding:	  				 				 				
Basic	  	 	497.4	  	 	 	496.6	 	 	 	497.4	  	
	  	 	 	 	 	 	 	 	 	 	 	 	
Diluted 3	  	 	497.4	  	 	 	496.6	 	 	 	499.3	  	

Reconciliation of net investment gains (losses):	  				 				 				
Net investment gains (losses), gross	  	$	(51	) 	 	$	(27	) 	 	$	8	  	
Adjustments for:	  				 				 				
DAC and other intangible amortization and certain benefit reserves	  	 	9	  	 	 	9	 	 	 	8	  	
Net investment gains (losses) attributable to noncontrolling interests	  	 	8	  	 	 	3	 	 	 	(9	) 	
Taxes	  	 	12	  	 	 	5	 	 	 	(3	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes and other adjustments	  	$	(22	) 	 	$	(10	) 	 	$	4	  	

16

Condensed Consolidated Balance Sheets
(Amounts in millions)

 	  	September 30,
2015	 	 	December 31,
2014	 	
Assets	  				 				
Cash, cash equivalents and invested assets	  	$	76,535	 	 	$	77,388	 	
Deferred acquisition costs	  	 	4,437	 	 	 	4,849	 	
Intangible assets	  	 	284	 	 	 	250	 	
Goodwill	  	 	14	 	 	 	16	 	
Reinsurance recoverable	  	 	17,276	 	 	 	17,314	 	
Other assets	  	 	577	 	 	 	524	 	
Separate account assets	  	 	7,893	 	 	 	9,208	 	
Assets held for sale related to discontinued operations	  	 	1,206	 	 	 	1,809	 	
	  	 	 	 	 	 	 	 	
Total assets	  	$	108,222	 	 	$	111,358	 	
	  	 	 	 	 	 	 	 	
Liabilities and stockholders’ equity	  				 				
Liabilities:	  				 				
Future policy benefits	  	$	36,472	 	 	$	35,915	 	
Policyholder account balances	  	 	26,000	 	 	 	26,032	 	
Liability for policy and contract claims	  	 	8,065	 	 	 	7,937	 	
Unearned premiums	  	 	3,340	 	 	 	3,547	 	
Deferred tax and other liabilities	  	 	3,442	 	 	 	4,140	 	
Borrowings related to securitization entities	  	 	188	 	 	 	219	 	
Non-recourse funding obligations	  	 	1,951	 	 	 	1,996	 	
Long-term borrowings	  	 	4,601	 	 	 	4,639	 	
Separate account liabilities	  	 	7,893	 	 	 	9,208	 	
Liabilities held for sale related to discontinued operations	  	 	854	 	 	 	928	 	
	  	 	 	 	 	 	 	 	
Total liabilities	  	 	92,806	 	 	 	94,561	 	
	  	 	 	 	 	 	 	 	
Stockholders’ equity:	  				 				
Common stock	  	 	1	 	 	 	1	 	
Additional paid-in capital	  	 	11,944	 	 	 	11,997	 	
	  	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  				 				
Net unrealized investment gains (losses):	  				 				
Net unrealized gains (losses) on securities not other-than-temporarily impaired	  	 	1,709	 	 	 	2,431	 	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	22	 	 	 	22	 	
	  	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	1,731	 	 	 	2,453	 	
	  	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	2,130	 	 	 	2,070	 	
Foreign currency translation and other adjustments	  	 	(383	) 	 	 	(77	) 	
	  	 	 	 	 	 	 	 	
Total accumulated other comprehensive income (loss)	  	 	3,478	 	 	 	4,446	 	
Retained earnings	  	 	856	 	 	 	1,179	 	
Treasury stock, at cost	  	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	13,579	 	 	 	14,923	 	
Noncontrolling interests	  	 	1,837	 	 	 	1,874	 	
	  	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	15,416	 	 	 	16,797	 	
	  	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	108,222	 	 	$	111,358	 	

17

Impact of Foreign Exchange on Operating Results 8
Three months ended September 30, 2015

 	  	Percentages
Including Foreign
Exchange	 	 	Percentages
Excluding Foreign 
Exchange 9	 	
			
Canada Mortgage Insurance (MI):	  				 				
Flow new insurance written	  	 	(3	)% 	 	 	15	% 	
Flow new insurance written (3Q15 vs. 2Q15)	  	 	22	% 	 	 	26	% 	
			
Australia MI:	  				 				
Flow new insurance written	  	 	(22	)% 	 	 	(2	)% 	
Flow new insurance written (3Q15 vs. 2Q15)	  	 	(3	)% 	 	 	2	% 	

8  	All percentages are comparing the third quarter of 2015 to the third quarter of 2014 unless otherwise stated.	
9  	The impact of foreign exchange was calculated using the comparable prior period exchange rates.	
 
18

Reconciliation of Core Yield to Reported Yield

(Assets - amounts in billions)	  	Three
months ended
September 30,
2015	 	
Reported Total Invested Assets and Cash	  	$	75.9	  	
Subtract:	  				
Securities lending	  	 	0.4	  	
Unrealized gains (losses)	  	 	5.4	  	
Derivative counterparty collateral	  	 	—  	  	
	  	 	 	 	
Adjusted end of period invested assets	  	$	70.1	  	

Average Invested Assets Used in Reported Yield Calculation	  	$	70.2	  	
Subtract:	  				
Restricted commercial mortgage loans and other invested assets related to securitization entities 10	  	 	0.2	  	
	  	 	 	 	
Average Invested Assets Used in Core Yield Calculation	  	$	70.0	  	

(Income - amounts in millions)	  	 	 	
Reported Net Investment Income	  	$	783	  	
Subtract:	  				
Bond calls and commercial mortgage loan prepayments	  	 	12	  	
Other non-core items 11	  	 	1	  	
Restricted commercial mortgage loans and other invested assets related to securitization entities 10	  	 	2	  	
	  	 	 	 	
Core Net Investment Income	  	$	768	  	

Reported Yield	  	 	4.46	% 	
	  	 	 	 	
Core Yield	  	 	4.39	% 	

10  	Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.	
11  	Includes cost basis adjustments on structured securities and various other immaterial items.	
 
19

Table of Contents
Exhibit 99.2
Third Quarter Financial Supplement
September 30, 2015

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015

 Table of Contents	  	Page	 	
Investor Letter .	  	 	3	  	
Use of Non-GAAP Measures.	  	 	4	  	
Results of Operations and Selected Operating Performance Measures .	  	 	5	  	
Financial Highlights	  	 	6	  	
		
Consolidated Quarterly Results	  				
Consolidated Net Income (Loss) by Quarter	  	 	8	  	
Net Operating Income (Loss) by Segment by Quarter	  	 	9	  	
Consolidated Balance Sheets.	  	 	10-11	  	
Consolidated Balance Sheets by Segment.	  	 	12-13	  	
Deferred Acquisition Costs (DAC) Rollforward	  	 	14	  	
		
Quarterly Results by Division	  				
Net Operating Income and Sales—Global Mortgage Insurance Division	  	 	16-38	  	
Net Operating Income (Loss) and Sales—U.S. Life Insurance Division	  	 	40-46	  	
Net Operating Loss and Other Metrics—Corporate and Other Division	  	 	48-54	  	
		
Additional Financial Data	  				
Investments Summary	  	 	56	  	
Fixed Maturity Securities Summary	  	 	57	  	
General Account GAAP Net Investment Income Yields	  	 	58	  	
Net Investment Gains (Losses), Net—Detail	  	 	59	  	
		
Reconciliations of Non-GAAP Measures	  				
Reconciliation of Operating Return On Equity (ROE)	  	 	61	  	
Reconciliation of Core Yield	  	 	62	  	
		
Corporate Information	  				
Industry Ratings.	  	 	64	  	
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
THIRD QUARTER 2015
Dear Investor,
Thank you for your continued interest in Genworth Financial.
Regards,
Amy Corbin
Investor Relations
InvestorInfo@genworth.com
 
3

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
 THIRD QUARTER 2015
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, restructuring costs 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 certain 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, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from net operating income (loss) because, in the company's opinion, they are not indicative of overall operating trends. Infrequent or unusual 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.
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.
In the fourth quarter of 2014, the company recorded goodwill impairments of $129 million, net of taxes, in the long-term care insurance business and $145 million, net of taxes, in the life insurance business. In the third quarter of 2014, the company recorded goodwill impairments of $167 million, net of taxes, in the long-term care insurance business and $350 million, net of taxes, in the life insurance business.
In the third quarter of 2015, the company paid an early redemption payment of approximately $1 million, net of taxes and portion attributable to noncontrolling interests, related to the early redemption of Genworth Financial Mortgage Insurance Pty Limited’s notes that were scheduled to mature in 2021. In the third quarter of 2015, the company also repurchased approximately $50 million principal amount of Genworth Holdings, Inc.’s notes with various maturity dates for a loss of $1 million, net of taxes. In the second quarter of 2014, the company paid an early redemption payment of approximately $2 million, net of taxes and portion attributable to noncontrolling interests, related to the early redemption of Genworth MI Canada Inc.’s notes that were scheduled to mature in 2015. These transactions were excluded from net operating income (loss) for the periods presented as they related to a loss on the early extinguishment of debt.
In the third quarter of 2015, the company recorded a DAC impairment of $296 million, net of taxes, on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.
In the second quarter of 2015, the company recorded a $2 million after-tax expense related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses.
There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than the following items. The company recognized a tax charge of $7 million in the third quarter of 2015 from potential business portfolio changes related to its mortgage insurance business in Europe. There was a $205 million net tax impact in the fourth quarter of 2014 from potential business portfolio changes. The company recognized a tax charge of $174 million in the fourth quarter of 2014 associated with the Australian mortgage insurance business as the company can no longer assert its intent to permanently reinvest earnings in that business. In connection with the company’s plans to sell the lifestyle protection insurance business, the company made a change to the permanent reinvestment assertion on one of its legal entities recognizing tax expense of $31 million in the fourth quarter of 2014.
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 61 and 62 of this financial supplement.
Adjustments to reconcile net income (loss) attributable to Genworth Financial, Inc.’s common stockholders and net operating income (loss) assume a 35% tax rate and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for DAC and other intangible amortization and certain benefit reserves (see page 59).

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

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015

 Results of Operations and Selected Operating Performance Measures
The company’s chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss). 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.
In the first quarter of 2015, the company revised how it allocates the consolidated provision for income taxes to its operating segments to simplify the process and reflect how the chief operating decision maker is evaluating segment performance. The revised methodology applies a specific tax rate to the pre-tax income (loss) of each segment, which is then adjusted in each segment to reflect the tax attributes of items unique to that segment such as foreign income. The difference between the consolidated provision for income taxes and the sum of the provision for income taxes in each segment is reflected in Corporate and Other activities. Previously, the company calculated a unique income tax provision for each segment based on quarterly changes to tax attributes and implications of transactions specific to each product within the segment.
The annually-determined tax rates and adjustments to each segment’s provision for income taxes are estimates which are subject to review and could change from year to year. Prior year amounts have not been re-presented to reflect this revised presentation and are, therefore, not comparable to the current year provision for income taxes by segment. However, the company does not believe that the previous methodology would have resulted in a materially different segment-level provision for income taxes.
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) new insurance written for mortgage insurance; (2) annualized first-year premiums for long-term care and term life insurance products; (3) annualized first-year deposits plus 5% of excess deposits for universal and term universal life insurance products; (4) 10% of premium deposits for linked-benefits products; and (5) new and additional premiums/deposits for fixed annuities. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers new insurance written, annualized first-year premiums/deposits, premium equivalents and new premiums/deposits 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 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 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. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor. 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 measures of the company’s operating performance because they represent measures of the size of the business at a specific date which will generate revenues and profits in a future period, rather than measures of the company’s revenues or profitability during that period.
Management also regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage 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 and helps to enhance the understanding of the operating performance of the businesses.
These operating performance 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
THIRD QUARTER 2015
 Financial Highlights
(amounts in millions, except per share data)

Balance Sheet Data	  	September 30,
2015	 	 	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	  	$	10,101	  	 	$	10,381	  	 	$	10,632	  	 	$	10,477	  	 	$	11,231	  	
Total accumulated other comprehensive income	  	 	3,478	  	 	 	3,309	  	 	 	4,692	  	 	 	4,446	  	 	 	3,934	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	$	13,579	  	 	$	13,690	  	 	$	15,324	  	 	$	14,923	  	 	$	15,165	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Book value per common share	  	$	27.29	  	 	$	27.52	  	 	$	30.81	  	 	$	30.04	  	 	$	30.54	  	
Book value per common share, excluding accumulated other comprehensive income	  	$	20.30	  	 	$	20.87	  	 	$	21.38	  	 	$	21.09	  	 	$	22.62	  	
Common shares outstanding as of the balance sheet date	  	 	497.5	  	 	 	497.4	  	 	 	497.4	  	 	 	496.7	  	 	 	496.6	  	
		
 	  	Twelve months ended	 	
Twelve Month Rolling Average ROE	  	September 30,
2015	 	 	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
GAAP Basis ROE	  	 	-10.3%	  	 	 	-15.0%	  	 	 	-11.3%	  	 	 	-10.8%	  	 	 	-2.3%	  	
Operating ROE (1)	  	 	  -0.7%	  	 	 	  -4.2%	  	 	 	  -3.8%	  	 	 	  -3.5%	  	 	 	1.7%	  	
		
 	  	Three months ended	 	
Quarterly Average ROE	  	September 30,
2015	 	 	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
GAAP Basis ROE	  	 	-11.1%	  	 	 	-7.3%	  	 	 	5.8%	  	 	 	-28.0%	  	 	 	-29.0%	  	
Operating ROE (1)	  	 	  2.5%	  	 	 	  4.5%	  	 	 	5.8%	  	 	 	-15.3%	  	 	 	-11.1%	  	

Basic and Diluted Shares	  	Three months ended
September 30, 2015	 	  	Nine months ended 
September 30, 2015	 	
Weighted-average common shares used in basic earnings per common share calculations	  	 	497.4	  	  	 	497.3	  	
Potentially dilutive securities:	  				  				
Stock options, restricted stock units and stock appreciation rights	  	 	—  	  	  	 	1.7	  	
	  	 	 	 	  	 	 	 	
Weighted-average common shares used in diluted earnings per common share calculations (2)	  	 	497.4	  	  	 	499.0	  	

(1)	See page 61 herein for a reconciliation of GAAP Basis ROE to Operating ROE.	
(2)	Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations for the three months ended September 30, 2015, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share for the three months ended September 30, 2015, as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 1.3 million would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations for the three months ended September 30, 2015, dilutive potential weighted-average common shares outstanding would have been 498.7 million.	
 
6

Table of Contents
 
 Consolidated Quarterly Results
 
7

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Consolidated Net Income (Loss) by Quarter
(amounts in millions, except per share amounts)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	1,145	  	 	$	1,134	  	 	$	1,143	  	 	$	3,422	  	 	$	1,214	  	 	$	1,210	  	 	$	1,144	  	 	$	1,132	  	 	$	4,700	  	
Net investment income	 	 	783	  	 	 	793	  	 	 	781	  	 	 	2,357	  	 	 	797	  	 	 	778	  	 	 	791	  	 	 	776	  	 	 	3,142	  	
Net investment gains (losses)	 	 	(51	) 	 	 	8	  	 	 	(16	) 	 	 	(59	) 	 	 	(11	) 	 	 	(27	) 	 	 	34	  	 	 	(18	) 	 	 	(22	) 	
Insurance and investment product fees and other	 	 	223	  	 	 	222	  	 	 	227	  	 	 	672	  	 	 	229	  	 	 	229	  	 	 	225	  	 	 	226	  	 	 	909	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	2,100	  	 	 	2,157	  	 	 	2,135	  	 	 	6,392	  	 	 	2,229	  	 	 	2,190	  	 	 	2,194	  	 	 	2,116	  	 	 	8,729	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	1,290	  	 	 	1,232	  	 	 	1,192	  	 	 	3,714	  	 	 	2,136	  	 	 	1,934	  	 	 	1,200	  	 	 	1,148	  	 	 	6,418	  	
Interest credited	 	 	179	  	 	 	181	  	 	 	180	  	 	 	540	  	 	 	185	  	 	 	185	  	 	 	184	  	 	 	183	  	 	 	737	  	
Acquisition and operating expenses, net of deferrals	 	 	314	  	 	 	295	  	 	 	267	  	 	 	876	  	 	 	299	  	 	 	284	  	 	 	282	  	 	 	273	  	 	 	1,138	  	
Amortization of deferred acquisition costs and intangibles	 	 	563	  	 	 	101	  	 	 	95	  	 	 	759	  	 	 	128	  	 	 	113	  	 	 	108	  	 	 	104	  	 	 	453	  	
Goodwill impairment	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	299	  	 	 	550	  	 	 	—  	  	 	 	—  	  	 	 	849	  	
Interest expense	 	 	105	  	 	 	103	  	 	 	107	  	 	 	315	  	 	 	106	  	 	 	104	  	 	 	112	  	 	 	111	  	 	 	433	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	2,451	  	 	 	1,912	  	 	 	1,841	  	 	 	6,204	  	 	 	3,153	  	 	 	3,170	  	 	 	1,886	  	 	 	1,819	  	 	 	10,028	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(351	) 	 	 	245	  	 	 	294	  	 	 	188	  	 	 	(924	) 	 	 	(980	) 	 	 	308	  	 	 	297	  	 	 	(1,299	) 	
Provision (benefit) for income taxes	 	 	(134	) 	 	 	70	  	 	 	91	  	 	 	27	  	 	 	(78	) 	 	 	(187	) 	 	 	84	  	 	 	87	  	 	 	(94	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	(217	) 	 	 	175	  	 	 	203	  	 	 	161	  	 	 	(846	) 	 	 	(793	) 	 	 	224	  	 	 	210	  	 	 	(1,205	) 	
Income (loss) from discontinued operations, net of taxes (1)	 	 	(21	) 	 	 	(314	) 	 	 	1	  	 	 	(334	) 	 	 	138	  	 	 	6	  	 	 	4	  	 	 	9	  	 	 	157	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	(238	) 	 	 	(139	) 	 	 	204	  	 	 	(173	) 	 	 	(708	) 	 	 	(787	) 	 	 	228	  	 	 	219	  	 	 	(1,048	) 	
Less: net income attributable to noncontrolling interests	 	 	46	  	 	 	54	  	 	 	50	  	 	 	150	  	 	 	52	  	 	 	57	  	 	 	52	  	 	 	35	  	 	 	196	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	$	(284	) 	 	$	(193	) 	 	$	154	  	 	$	(323	) 	 	$	(760	) 	 	$	(844	) 	 	$	176	  	 	$	184	  	 	$	(1,244	) 	

Earnings (Loss) Per Share Data:	 				 				 				 				 				 				 				 				 				
Income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders per common share	 				 				 				 				 				 				 				 				 				
Basic	 	$	(0.53	) 	 	$	0.24	  	 	$	0.31	  	 	$	0.02	  	 	$	(1.81	) 	 	$	(1.71	) 	 	$	0.35	  	 	$	0.35	  	 	$	(2.82	) 	
Diluted	 	$	(0.53	) 	 	$	0.24	  	 	$	0.31	  	 	$	0.02	  	 	$	(1.81	) 	 	$	(1.71	) 	 	$	0.34	  	 	$	0.35	  	 	$	(2.82	) 	
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share	 				 				 				 				 				 				 				 				 				
Basic	 	$	(0.57	) 	 	$	(0.39	) 	 	$	0.31	  	 	$	(0.65	) 	 	$	(1.53	) 	 	$	(1.70	) 	 	$	0.35	  	 	$	0.37	  	 	$	(2.51	) 	
Diluted	 	$	(0.57	) 	 	$	(0.39	) 	 	$	0.31	  	 	$	(0.65	) 	 	$	(1.53	) 	 	$	(1.70	) 	 	$	0.35	  	 	$	0.37	  	 	$	(2.51	) 	
Weighted-average common shares outstanding	 				 				 				 				 				 				 				 				 				
Basic	 	 	497.4	  	 	 	497.4	  	 	 	497.0	  	 	 	497.3	  	 	 	496.7	  	 	 	496.6	  	 	 	496.6	  	 	 	495.8	  	 	 	496.4	  	
Diluted (2)	 	 	497.4	  	 	 	499.3	  	 	 	498.9	  	 	 	499.0	  	 	 	496.7	  	 	 	496.6	  	 	 	503.6	  	 	 	502.7	  	 	 	496.4	  	

(1)	Income (loss) from discontinued operations related to the lifestyle protection insurance business. Refer to page 54 for operating results of discontinued operations.	
(2)	Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 1.3 million, 5.4 million, 3.2 million and 5.6 million, respectively, would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, dilutive potential weighted-average common shares outstanding would have been 498.7 million, 502.0 million, 499.9 million and 502.0 million, respectively.	
 
8

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015

 Net Operating Income (Loss) by Segment by Quarter
(amounts in millions, except per share amounts)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Global Mortgage Insurance Division	  			 	  				 				 				 				 				 				 				 				
International Mortgage Insurance segment:	  			 	  				 				 				 				 				 				 				 				
Canada	  	$	38	  	  	$	37	  	 	$	40	  	 	$	115	  	 	$	36	  	 	$	46	  	 	$	47	  	 	$	41	  	 	$	170	  	
Australia	  	 	21	  	  	 	29	  	 	 	30	  	 	 	80	  	 	 	33	  	 	 	48	  	 	 	57	  	 	 	62	  	 	 	200	  	
Other Countries	  	 	(5	) 	  	 	(5	) 	 	 	(6	) 	 	 	(16	) 	 	 	(7	) 	 	 	(7	) 	 	 	(7	) 	 	 	(4	) 	 	 	(25	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total International Mortgage Insurance segment	  	 	54	  	  	 	61	  	 	 	64	  	 	 	179	  	 	 	62	  	 	 	87	  	 	 	97	  	 	 	99	  	 	 	345	  	
U.S. Mortgage Insurance segment	  	 	37	  	  	 	49	  	 	 	52	  	 	 	138	  	 	 	21	  	 	 	(2	) 	 	 	39	  	 	 	33	  	 	 	91	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Global Mortgage Insurance Division	  	 	91	  	  	 	110	  	 	 	116	  	 	 	317	  	 	 	83	  	 	 	85	  	 	 	136	  	 	 	132	  	 	 	436	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
U.S. Life Insurance Division	  			 	  				 				 				 				 				 				 				 				
U.S. Life Insurance segment:	  			 	  				 				 				 				 				 				 				 				
Long-Term Care Insurance	  	 	(10	) 	  	 	10	  	 	 	10	  	 	 	10	  	 	 	(506	) 	 	 	(361	) 	 	 	6	  	 	 	46	  	 	 	(815	) 	
Life Insurance	  	 	31	  	  	 	22	  	 	 	40	  	 	 	93	  	 	 	1	  	 	 	13	  	 	 	39	  	 	 	21	  	 	 	74	  	
Fixed Annuities	  	 	19	  	  	 	25	  	 	 	31	  	 	 	75	  	 	 	23	  	 	 	26	  	 	 	24	  	 	 	27	  	 	 	100	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance segment	  	 	40	  	  	 	57	  	 	 	81	  	 	 	178	  	 	 	(482	) 	 	 	(322	) 	 	 	69	  	 	 	94	  	 	 	(641	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total U.S. Life Insurance Division	  	 	40	  	  	 	57	  	 	 	81	  	 	 	178	  	 	 	(482	) 	 	 	(322	) 	 	 	69	  	 	 	94	  	 	 	(641	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Corporate and Other Division	  			 	  				 				 				 				 				 				 				 				
Runoff segment	  	 	(4	) 	  	 	9	  	 	 	11	  	 	 	16	  	 	 	16	  	 	 	5	  	 	 	15	  	 	 	12	  	 	 	48	  	
Corporate and Other	  	 	(63	) 	  	 	(57	) 	 	 	(54	) 	 	 	(174	) 	 	 	(32	) 	 	 	(91	) 	 	 	(66	) 	 	 	(52	) 	 	 	(241	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Corporate and Other Division	  	 	(67	) 	  	 	(48	) 	 	 	(43	) 	 	 	(158	) 	 	 	(16	) 	 	 	(86	) 	 	 	(51	) 	 	 	(40	) 	 	 	(193	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	 	64	  	  	 	119	  	 	 	154	  	 	 	337	  	 	 	(415	) 	 	 	(323	) 	 	 	154	  	 	 	186	  	 	 	(398	) 	
	 									
ADJUSTMENTS TO NET OPERATING INCOME (LOSS):	  			 	  				 				 				 				 				 				 				 				
Net investment gains (losses), net	  	 	(22	) 	  	 	4	  	 	 	(1	) 	 	 	(19	) 	 	 	(4	) 	 	 	(10	) 	 	 	20	  	 	 	(11	) 	 	 	(5	) 	
Goodwill impairment, net	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(274	) 	 	 	(517	) 	 	 	—  	  	 	 	—  	  	 	 	(791	) 	
Gains (losses) on early extinguishment of debt, net	  	 	(2	) 	  	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	(2	) 	
Gains (losses) from life block transactions, net	  	 	(296	) 	  	 	—  	  	 	 	—  	  	 	 	(296	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Expenses related to restructuring, net	  	 	—  	  	  	 	(2	) 	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Tax impact from potential business portfolio changes	  	 	(7	) 	  	 	—  	  	 	 	—  	  	 	 	(7	) 	 	 	(205	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(205	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL INC.’S COMMON STOCKHOLDERS	  	 	(263	) 	  	 	121	  	 	 	153	  	 	 	11	  	 	 	(898	) 	 	 	(850	) 	 	 	172	  	 	 	175	  	 	 	(1,401	) 	
Net income attributable to noncontrolling interests	  	 	46	  	  	 	54	  	 	 	50	  	 	 	150	  	 	 	52	  	 	 	57	  	 	 	52	  	 	 	35	  	 	 	196	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	(217	) 	  	 	175	  	 	 	203	  	 	 	161	  	 	 	(846	) 	 	 	(793	) 	 	 	224	  	 	 	210	  	 	 	(1,205	) 	
Income (loss) from discontinued operations, net of taxes	  	 	(21	) 	  	 	(314	) 	 	 	1	  	 	 	(334	) 	 	 	138	  	 	 	6	  	 	 	4	  	 	 	9	  	 	 	157	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	(238	) 	  	 	(139	) 	 	 	204	  	 	 	(173	) 	 	 	(708	) 	 	 	(787	) 	 	 	228	  	 	 	219	  	 	 	(1,048	) 	
Less: net income attributable to noncontrolling interests	  	 	46	  	  	 	54	  	 	 	50	  	 	 	150	  	 	 	52	  	 	 	57	  	 	 	52	  	 	 	35	  	 	 	196	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	$	(284	) 	  	$	(193	) 	 	$	154	  	 	$	(323	) 	 	$	(760	) 	 	$	(844	) 	 	$	176	  	 	$	184	  	 	$	(1,244	) 	

Earnings (Loss) Per Share Data:	  				  				 				 				 				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share	  				  				 				 				 				
Basic	  	$	(0.57	) 	  	$	(0.39	) 	 	$	0.31	  	 	$	(0.65	) 	 	$	(1.53	) 	 	$	(1.70	) 	 	$	0.35	  	 	$	0.37	  	 	$	(2.51	) 	
Diluted	  	$	(0.57	) 	  	$	(0.39	) 	 	$	0.31	  	 	$	(0.65	) 	 	$	(1.53	) 	 	$	(1.70	) 	 	$	0.35	  	 	$	0.37	  	 	$	(2.51	) 	
Net operating income (loss) per common share	  				  				 				 				 				 				 				 				 				
Basic	  	$	0.13	  	  	$	0.24	  	 	$	0.31	  	 	$	0.68	  	 	$	(0.83	) 	 	$	(0.65	) 	 	$	0.31	  	 	$	0.37	  	 	$	(0.80	) 	
Diluted	  	$	0.13	  	  	$	0.24	  	 	$	0.31	  	 	$	0.68	  	 	$	(0.83	) 	 	$	(0.65	) 	 	$	0.31	  	 	$	0.37	  	 	$	(0.80	) 	
Weighted-average common shares outstanding	  				  				 				 				 				 				 				 				 				
Basic	  	 	497.4	  	  	 	497.4	  	 	 	497.0	  	 	 	497.3	  	 	 	496.7	  	 	 	496.6	  	 	 	496.6	  	 	 	495.8	  	 	 	496.4	  	
Diluted (1)	  	 	497.4	  	  	 	499.3	  	 	 	498.9	  	 	 	499.0	  	 	 	496.7	  	 	 	496.6	  	 	 	503.6	  	 	 	502.7	  	 	 	496.4	  	

(1)  	Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 1.3 million, 5.4 million, 3.2 million and 5.6 million, respectively, would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations for the three months ended September 30, 2015, the three months ended September 30, 2014 and the three and twelve months ended December 31, 2014, dilutive potential weighted-average common shares outstanding would have been 498.7 million, 502.0 million, 499.9 million and 502.0 million, respectively. Since it had net operating income for the three months ended September 30, 2015, the company used 498.7 million diluted weighted-average common shares outstanding in the calculation of diluted net operating income per common share.	
 
9

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015

 Consolidated Balance Sheets
(amounts in millions)

 	  	September 30,
2015	 	  	June 30,
2015	 	  	March 31,
2015	 	  	December 31,
2014	 	  	September 30,
2014	 	
ASSETS	  			 	  				  				  				  				
Investments:	  			 	  				  				  				  				
Fixed maturity securities available-for-sale, at fair value	  	$	60,851	  	  	$	60,568	  	  	$	61,904	  	  	$	61,276	  	  	$	61,091	  	
Equity securities available-for-sale, at fair value	  	 	273	  	  	 	299	  	  	 	299	  	  	 	275	  	  	 	306	  	
Commercial mortgage loans	  	 	6,133	  	  	 	6,175	  	  	 	6,149	  	  	 	6,100	  	  	 	6,077	  	
Restricted commercial mortgage loans related to securitization entities	  	 	175	  	  	 	181	  	  	 	188	  	  	 	201	  	  	 	209	  	
Policy loans	  	 	1,567	  	  	 	1,584	  	  	 	1,506	  	  	 	1,501	  	  	 	1,512	  	
Other invested assets	  	 	2,773	  	  	 	2,191	  	  	 	2,697	  	  	 	2,244	  	  	 	2,218	  	
Restricted other invested assets related to securitization entities	  	 	412	  	  	 	410	  	  	 	411	  	  	 	411	  	  	 	404	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total investments	  	 	72,184	  	  	 	71,408	  	  	 	73,154	  	  	 	72,008	  	  	 	71,817	  	
Cash and cash equivalents	  	 	3,666	  	  	 	4,100	  	  	 	4,971	  	  	 	4,716	  	  	 	3,284	  	
Accrued investment income	  	 	685	  	  	 	615	  	  	 	717	  	  	 	664	  	  	 	694	  	
Deferred acquisition costs	  	 	4,437	  	  	 	4,896	  	  	 	4,745	  	  	 	4,849	  	  	 	4,870	  	
Intangible assets	  	 	284	  	  	 	286	  	  	 	207	  	  	 	250	  	  	 	277	  	
Goodwill	  	 	14	  	  	 	15	  	  	 	15	  	  	 	16	  	  	 	316	  	
Reinsurance recoverable	  	 	17,276	  	  	 	17,297	  	  	 	17,305	  	  	 	17,314	  	  	 	17,342	  	
Other assets	  	 	577	  	  	 	625	  	  	 	518	  	  	 	524	  	  	 	569	  	
Separate account assets	  	 	7,893	  	  	 	8,702	  	  	 	9,064	  	  	 	9,208	  	  	 	9,420	  	
Assets held for sale related to discontinued operations (1)	  	 	1,206	  	  	 	1,220	  	  	 	1,635	  	  	 	1,809	  	  	 	1,925	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total assets	  	$	108,222	  	  	$	109,164	  	  	$	112,331	  	  	$	111,358	  	  	$	110,514	  	

 

(1)  	The assets held for sale related to discontinued operations prior to the sale have been segregated in the consolidated balance sheets. The major asset categories for discontinued operations were as follows:	

 	  	September 30,
2015	 	  	June 30,
2015	 	 	March 31,
2015	 	  	December 31,
2014	 	  	September 30,
2014	 	
ASSETS	  			  			 			  			  			
Investments:	  				  				 				  				  				
Fixed maturity securities available-for-sale, at fair value	  	$	1,117	  	  	$	1,104	  	 	$	1,037	  	  	$	1,171	  	  	$	1,226	  	
Equity securities available-for-sale, at fair value	  	 	6	  	  	 	7	  	 	 	7	  	  	 	7	  	  	 	7	  	
Other invested assets	  	 	23	  	  	 	24	  	 	 	26	  	  	 	52	  	  	 	64	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total investments	  	 	    1,146	  	  	 	    1,135	  	 	 	    1,070	  	  	 	    1,230	  	  	 	       1,297	  	
Cash and cash equivalents	  	 	142	  	  	 	154	  	 	 	187	  	  	 	202	  	  	 	193	  	
Accrued investment income	  	 	22	  	  	 	20	  	 	 	19	  	  	 	21	  	  	 	25	  	
Deferred acquisition costs	  	 	168	  	  	 	176	  	 	 	173	  	  	 	193	  	  	 	215	  	
Intangible assets	  	 	22	  	  	 	21	  	 	 	20	  	  	 	22	  	  	 	23	  	
Reinsurance recoverable	  	 	36	  	  	 	35	  	 	 	34	  	  	 	32	  	  	 	31	  	
Other assets	  	 	121	  	  	 	137	  	 	 	132	  	  	 	109	  	  	 	141	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Assets held for sale related to discontinued operations	  	 	1,657	  	  	 	1,678	  	 	 	1,635	  	  	 	1,809	  	  	 	1,925	  	
Fair value less pension settlement costs and closing costs impairment	  	 	(451	) 	  	 	(458	) 	 	 	—  	  	  	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	
Total assets held for sale related to discontinued operations	  	$	1,206	  	  	$	1,220	  	 	$	1,635	  	  	$	1,809	  	  	$	1,925	  	

10

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Consolidated Balance Sheets
(amounts in millions)

 	  	September 30,
2015	 	  	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  			 	  				 				 				 				
Liabilities:	  			 	  				 				 				 				
Future policy benefits	  	$	36,472	  	  	$	36,298	  	 	$	36,488	  	 	$	35,915	  	 	$	34,697	  	
Policyholder account balances	  	 	26,000	  	  	 	25,987	  	 	 	26,136	  	 	 	26,032	  	 	 	25,816	  	
Liability for policy and contract claims	  	 	8,065	  	  	 	7,990	  	 	 	7,929	  	 	 	7,937	  	 	 	7,880	  	
Unearned premiums	  	 	3,340	  	  	 	3,431	  	 	 	3,321	  	 	 	3,547	  	 	 	3,597	  	
Other liabilities	  	 	3,241	  	  	 	3,136	  	 	 	3,623	  	 	 	3,282	  	 	 	3,274	  	
Borrowings related to securitization entities	  	 	188	  	  	 	199	  	 	 	205	  	 	 	219	  	 	 	225	  	
Non-recourse funding obligations	  	 	1,951	  	  	 	1,967	  	 	 	1,983	  	 	 	1,996	  	 	 	2,010	  	
Long-term borrowings	  	 	4,601	  	  	 	4,607	  	 	 	4,601	  	 	 	4,639	  	 	 	4,662	  	
Deferred tax liability	  	 	201	  	  	 	258	  	 	 	1,057	  	 	 	858	  	 	 	825	  	
Separate account liabilities	  	 	7,893	  	  	 	8,702	  	 	 	9,064	  	 	 	9,208	  	 	 	9,420	  	
Liabilities held for sale related to discontinued operations (1)	  	 	854	  	  	 	862	  	 	 	843	  	 	 	928	  	 	 	987	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	92,806	  	  	 	93,437	  	 	 	95,250	  	 	 	94,561	  	 	 	93,393	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  			 	  				 				 				 				
Common stock	  	 	1	  	  	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	
Additional paid-in capital	  	 	11,944	  	  	 	11,940	  	 	 	11,998	  	 	 	11,997	  	 	 	11,991	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Accumulated other comprehensive income (loss):	  			 	  				 				 				 				
Net unrealized investment gains (losses):	  			 	  				 				 				 				
Net unrealized gains (losses) on securities not other-than-temporarily impaired	  	 	1,709	  	  	 	1,606	  	 	 	2,724	  	 	 	2,431	  	 	 	2,047	  	
Net unrealized gains (losses) on other-than-temporarily impaired securities	  	 	22	  	  	 	22	  	 	 	24	  	 	 	22	  	 	 	20	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized investment gains (losses)	  	 	1,731	  	  	 	1,628	  	 	 	2,748	  	 	 	2,453	  	 	 	2,067	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Derivatives qualifying as hedges	  	 	2,130	  	  	 	1,913	  	 	 	2,247	  	 	 	2,070	  	 	 	1,753	  	
Foreign currency translation and other adjustments	  	 	(383	) 	  	 	(232	) 	 	 	(303	) 	 	 	(77	) 	 	 	114	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total accumulated other comprehensive income	  	 	3,478	  	  	 	3,309	  	 	 	4,692	  	 	 	4,446	  	 	 	3,934	  	
Retained earnings	  	 	856	  	  	 	1,140	  	 	 	1,333	  	 	 	1,179	  	 	 	1,939	  	
Treasury stock, at cost	  	 	(2,700	) 	  	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	 	 	(2,700	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	13,579	  	  	 	13,690	  	 	 	15,324	  	 	 	14,923	  	 	 	15,165	  	
Noncontrolling interests	  	 	1,837	  	  	 	2,037	  	 	 	1,757	  	 	 	1,874	  	 	 	1,956	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	15,416	  	  	 	15,727	  	 	 	17,081	  	 	 	16,797	  	 	 	17,121	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	108,222	  	  	$	109,164	  	 	$	112,331	  	 	$	111,358	  	 	$	110,514	  	

 

(1)  	The liabilities held for sale related to discontinued operations prior to the sale have been segregated in the consolidated balance sheets. The major liability categories for discontinued operations were as follows:	

 	  	September 30,
2015	 	  	June 30,
2015	 	  	March 31,
2015	 	  	December 31,
2014	 	  	September 30,
2014	 	
LIABILITIES	  				  				  				  				  				
Policyholder account balances	  	$	9	  	  	$	10	  	  	$	10	  	  	$	11	  	  	$	11	  	
Liability for policy and contract claims	  	 	        108	  	  	 	      108	  	  	 	     101	  	  	 	      106	  	  	 	      107	  	
Unearned premiums	  	 	412	  	  	 	420	  	  	 	410	  	  	 	439	  	  	 	487	  	
Other liabilities	  	 	296	  	  	 	294	  	  	 	276	  	  	 	322	  	  	 	332	  	
Deferred tax liability	  	 	29	  	  	 	30	  	  	 	46	  	  	 	50	  	  	 	50	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Liabilities held for sale related to discontinued operations	  	$	854	  	  	$	862	  	  	$	843	  	  	$	928	  	  	$	987	  	

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
 Consolidated Balance Sheet by Segment
(amounts in millions)

 	  	September 30, 2015	 	
 	  	International
Mortgage
Insurance	 	 	U.S.
Mortgage
Insurance	 	 	U.S. Life
Insurance	 	  	Runoff	 	 	Corporate and
Other (1) 	 	 	Total	 	
ASSETS	  				 				 				  				 				 				
Cash and investments	  	$	7,499	  	 	$	2,209	  	 	$	61,322	  	  	$	2,742	  	 	$	2,763	  	 	$	76,535	  	
Deferred acquisition costs and intangible assets	  	 	164	  	 	 	29	  	 	 	4,254	  	  	 	280	  	 	 	8	  	 	 	4,735	  	
Reinsurance recoverable	  	 	21	  	 	 	6	  	 	 	16,420	  	  	 	829	  	 	 	—  	  	 	 	17,276	  	
Deferred tax and other assets	  	 	89	  	 	 	38	  	 	 	349	  	  	 	18	  	 	 	83	  	 	 	577	  	
Separate account assets	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	7,893	  	 	 	—  	  	 	 	7,893	  	
Assets held for sale related to discontinued operations	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	1,206	  	 	 	1,206	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total assets	  	$	7,773	  	 	$	2,282	  	 	$	82,345	  	  	$	11,762	  	 	$	4,060	  	 	$	108,222	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	  				 				 				  				 				 				
Liabilities:	  				 				 				  				 				 				
Future policy benefits	  	$	—  	  	 	$	—  	  	 	$	36,468	  	  	$	4	  	 	$	—  	  	 	$	36,472	  	
Policyholder account balances	  	 	—  	  	 	 	—  	  	 	 	22,786	  	  	 	3,214	  	 	 	—  	  	 	 	26,000	  	
Liability for policy and contract claims	  	 	303	  	 	 	953	  	 	 	6,791	  	  	 	18	  	 	 	—  	  	 	 	8,065	  	
Unearned premiums	  	 	2,482	  	 	 	240	  	 	 	613	  	  	 	5	  	 	 	—  	  	 	 	3,340	  	
Non-recourse funding obligations	  	 	—  	  	 	 	—  	  	 	 	1,981	  	  	 	—  	  	 	 	(30	) 	 	 	1,951	  	
Deferred tax and other liabilities	  	 	237	  	 	 	(565	) 	 	 	3,512	  	  	 	(1	) 	 	 	259	  	 	 	3,442	  	
Borrowings and capital securities	  	 	501	  	 	 	—  	  	 	 	—  	  	  	 	11	  	 	 	4,277	  	 	 	4,789	  	
Separate account liabilities	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	7,893	  	 	 	—  	  	 	 	7,893	  	
Liabilities held for sale related to discontinued operations	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	854	  	 	 	854	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	  	 	3,523	  	 	 	628	  	 	 	72,151	  	  	 	11,144	  	 	 	5,360	  	 	 	92,806	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	  				 				 				  				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	  	 	2,574	  	 	 	1,642	  	 	 	6,485	  	  	 	634	  	 	 	(1,234	) 	 	 	10,101	  	
Allocated accumulated other comprehensive income (loss)	  	 	(161	) 	 	 	12	  	 	 	3,709	  	  	 	(16	) 	 	 	(66	) 	 	 	3,478	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	  	 	2,413	  	 	 	1,654	  	 	 	10,194	  	  	 	618	  	 	 	(1,300	) 	 	 	13,579	  	
Noncontrolling interests	  	 	1,837	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	1,837	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	  	 	4,250	  	 	 	1,654	  	 	 	10,194	  	  	 	618	  	 	 	(1,300	) 	 	 	15,416	  	
	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	  	$	7,773	  	 	$	2,282	  	 	$	82,345	  	  	$	11,762	  	 	$	4,060	  	 	$	108,222	  	

(1)  	Includes inter-segment eliminations.	
 
12

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Consolidated Balance Sheet by Segment
(amounts in millions)

 	 	June 30, 2015	 	
 	 	International
Mortgage
Insurance	 	 	U.S. Mortgage
Insurance	 	 	U.S. Life
Insurance	 	  	Runoff	 	 	Corporate and
Other (1) 	 	 	Total	 	
ASSETS	 				 				 				  				 				 				
Cash and investments	 	$	8,114	  	 	$	2,269	  	 	$	60,452	  	  	$	2,678	  	 	$	2,610	  	 	$	76,123	  	
Deferred acquisition costs and intangible assets	 	 	173	  	 	 	26	  	 	 	4,691	  	  	 	298	  	 	 	9	  	 	 	5,197	  	
Reinsurance recoverable	 	 	21	  	 	 	7	  	 	 	16,440	  	  	 	829	  	 	 	—  	  	 	 	17,297	  	
Deferred tax and other assets	 	 	175	  	 	 	39	  	 	 	351	  	  	 	(8	) 	 	 	68	  	 	 	625	  	
Separate account assets	 	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	8,702	  	 	 	—  	  	 	 	8,702	  	
Assets held for sale related to discontinued operations	 	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	1,220	  	 	 	1,220	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total assets	 	$	8,483	  	 	$	2,341	  	 	$	81,934	  	  	$	12,499	  	 	$	3,907	  	 	$	109,164	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
LIABILITIES AND STOCKHOLDERS’ EQUITY	 				 				 				  				 				 				
Liabilities:	 				 				 				  				 				 				
Future policy benefits	 	$	—  	  	 	$	—  	  	 	$	36,294	  	  	$	4	  	 	$	—  	  	 	$	36,298	  	
Policyholder account balances	 	 	—  	  	 	 	—  	  	 	 	22,837	  	  	 	3,150	  	 	 	—  	  	 	 	25,987	  	
Liability for policy and contract claims	 	 	308	  	 	 	996	  	 	 	6,671	  	  	 	15	  	 	 	—  	  	 	 	7,990	  	
Unearned premiums	 	 	2,602	  	 	 	214	  	 	 	608	  	  	 	7	  	 	 	—  	  	 	 	3,431	  	
Non-recourse funding obligations	 	 	—  	  	 	 	—  	  	 	 	1,997	  	  	 	—  	  	 	 	(30	) 	 	 	1,967	  	
Deferred tax and other liabilities	 	 	458	  	 	 	(612	) 	 	 	3,436	  	  	 	(25	) 	 	 	137	  	 	 	3,394	  	
Borrowings and capital securities	 	 	456	  	 	 	—  	  	 	 	—  	  	  	 	12	  	 	 	4,338	  	 	 	4,806	  	
Separate account liabilities	 	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	8,702	  	 	 	—  	  	 	 	8,702	  	
Liabilities held for sale related to discontinued operations	 	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	862	  	 	 	862	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities	 	 	3,824	  	 	 	598	  	 	 	71,843	  	  	 	11,865	  	 	 	5,307	  	 	 	93,437	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Stockholders’ equity:	 				 				 				  				 				 				
Allocated equity, excluding accumulated other comprehensive income (loss)	 	 	2,618	  	 	 	1,731	  	 	 	6,744	  	  	 	650	  	 	 	(1,362	) 	 	 	10,381	  	
Allocated accumulated other comprehensive income (loss)	 	 	4	  	 	 	12	  	 	 	3,347	  	  	 	(16	) 	 	 	(38	) 	 	 	3,309	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total Genworth Financial, Inc.’s stockholders’ equity	 	 	2,622	  	 	 	1,743	  	 	 	10,091	  	  	 	634	  	 	 	(1,400	) 	 	 	13,690	  	
Noncontrolling interests	 	 	2,037	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	2,037	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total stockholders’ equity	 	 	4,659	  	 	 	1,743	  	 	 	10,091	  	  	 	634	  	 	 	(1,400	) 	 	 	15,727	  	
	 	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total liabilities and stockholders’ equity	 	$	8,483	  	 	$	2,341	  	 	$	81,934	  	  	$	12,499	  	 	$	3,907	  	 	$	109,164	  	

(1)  	Includes inter-segment eliminations.	
 
13

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
 Deferred Acquisition Costs Rollforward
(amounts in millions)

 	  	International
Mortgage
Insurance	 	  	U.S. Mortgage
Insurance	 	  	U.S. Life
Insurance (1) 	 	  	Runoff (2) 	 	  	Corporate and
Other	 	  	Total	 	
Unamortized balance as of June 30, 2015	  	$	147	  	  	$	19	  	  	$	4,722	  	  	$	286	  	  	$	—  	  	  	$	5,174	  	
Costs deferred	  	 	16	  	  	 	4	  	  	 	51	  	  	 	—  	  	  	 	—  	  	  	 	71	  	
Amortization, net of interest accretion	  	 	(13	) 	  	 	(2	) 	  	 	(65	) 	  	 	(17	) 	  	 	—  	  	  	 	(97	) 	
Impact of foreign currency translation	  	 	(10	) 	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	(10	) 	
Impairment (3)	  	 	—  	  	  	 	—  	  	  	 	(455	) 	  	 	—  	  	  	 	—  	  	  	 	(455	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Unamortized balance as of September 30, 2015	  	 	140	  	  	 	21	  	  	 	4,253	  	  	 	269	  	  	 	—  	  	  	 	4,683	  	
Effect of accumulated net unrealized investment (gains) losses	  	 	—  	  	  	 	—  	  	  	 	(242	) 	  	 	(4	) 	  	 	—  	  	  	 	(246	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Balance as of September 30, 2015	  	$	140	  	  	$	21	  	  	$	4,011	  	  	$	265	  	  	$	—  	  	  	$	4,437	  	

(1)  	Amortization, net of interest accretion, included $4 million of amortization related to net investment gains for the policyholder account balances.	
(2)  	Amortization, net of interest accretion, included $4 million of amortization related to net investment gains for the policyholder account balances.	
(3)  	In the third quarter of 2015, the company recorded a DAC impairment of $455 million on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.	
 
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Table of Contents
 Global Mortgage Insurance Division
 
15

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Net Operating Income—Global Mortgage Insurance Division
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	361	  	 	$	364	  	 	$	365	  	 	$	1,090	  	 	$	387	  	 	$	388	  	 	$	381	  	 	$	372	  	 	$	1,528	  	
Net investment income	 	 	72	  	 	 	76	  	 	 	85	  	 	 	233	  	 	 	87	  	 	 	97	  	 	 	86	  	 	 	92	  	 	 	362	  	
Net investment gains (losses)	 	 	(19	) 	 	 	20	  	 	 	(17	) 	 	 	(16	) 	 	 	(4	) 	 	 	(4	) 	 	 	12	  	 	 	(3	) 	 	 	1	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	1	  	 	 	(2	) 	 	 	(1	) 	 	 	(4	) 	 	 	(7	) 	 	 	(3	) 	 	 	2	  	 	 	(12	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	414	  	 	 	461	  	 	 	431	  	 	 	1,306	  	 	 	466	  	 	 	474	  	 	 	476	  	 	 	463	  	 	 	1,879	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	117	  	 	 	99	  	 	 	94	  	 	 	310	  	 	 	145	  	 	 	199	  	 	 	107	  	 	 	110	  	 	 	561	  	
Acquisition and operating expenses, net of deferrals	 	 	90	  	 	 	94	  	 	 	79	  	 	 	263	  	 	 	101	  	 	 	87	  	 	 	93	  	 	 	82	  	 	 	363	  	
Amortization of deferred acquisition costs and intangibles	 	 	16	  	 	 	16	  	 	 	16	  	 	 	48	  	 	 	16	  	 	 	16	  	 	 	17	  	 	 	17	  	 	 	66	  	
Interest expense	 	 	8	  	 	 	6	  	 	 	7	  	 	 	21	  	 	 	7	  	 	 	8	  	 	 	8	  	 	 	8	  	 	 	31	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	231	  	 	 	215	  	 	 	196	  	 	 	642	  	 	 	269	  	 	 	310	  	 	 	225	  	 	 	217	  	 	 	1,021	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	183	  	 	 	246	  	 	 	235	  	 	 	664	  	 	 	197	  	 	 	164	  	 	 	251	  	 	 	246	  	 	 	858	  	
Provision for income taxes	 	 	62	  	 	 	75	  	 	 	75	  	 	 	212	  	 	 	237	  	 	 	24	  	 	 	61	  	 	 	80	  	 	 	402	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	121	  	 	 	171	  	 	 	160	  	 	 	452	  	 	 	(40	) 	 	 	140	  	 	 	190	  	 	 	166	  	 	 	456	  	
Less: net income attributable to noncontrolling interests	 	 	46	  	 	 	54	  	 	 	50	  	 	 	150	  	 	 	52	  	 	 	57	  	 	 	52	  	 	 	35	  	 	 	196	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	75	  	 	 	117	  	 	 	110	  	 	 	302	  	 	 	(92	) 	 	 	83	  	 	 	138	  	 	 	131	  	 	 	260	  	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	8	  	 	 	(7	) 	 	 	6	  	 	 	7	  	 	 	1	  	 	 	2	  	 	 	(4	) 	 	 	1	  	 	 	—  	  	
(Gains) losses on early extinguishment of debt, net	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	
Tax impact from potential business portfolio changes	 	 	7	  	 	 	—  	  	 	 	—  	  	 	 	7	  	 	 	174	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	174	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	 	$	91	  	 	$	110	  	 	$	116	  	 	$	317	  	 	$	83	  	 	$	85	  	 	$	136	  	 	$	132	  	 	$	436	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income) (2)	 	 	31.6	% 	 	 	32.3	% 	 	 	33.0	% 	 	 	32.4	% 	 	 	34.0	% 	 	 	11.3	% 	 	 	23.3	% 	 	 	33.9	% 	 	 	27.2	% 	

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the Global Mortgage Insurance Division was $104 million and $349 million for the three and nine months ended September 30, 2015, respectively.	
(2)  	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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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
 Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Three months ended September 30, 2015	  	Canada	 	  	Australia	 	  	Other
Countries	 	  	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	  				  				  				  				 				 			 	
Premiums	  	$	116	  	  	$	92	  	  	$	7	  	  	$	215	  	 	$	146	  	 	$	361	  	
Net investment income	  	 	32	  	  	 	28	  	  	 	—  	  	  	 	60	  	 	 	12	  	 	 	72	  	
Net investment gains (losses)	  	 	(23	) 	  	 	3	  	  	 	—  	  	  	 	(20	) 	 	 	1	  	 	 	(19	) 	
Insurance and investment product fees and other	  	 	(1	) 	  	 	(1	) 	  	 	—  	  	  	 	(2	) 	 	 	2	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	124	  	  	 	122	  	  	 	7	  	  	 	253	  	 	 	161	  	 	 	414	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				  				  				  				 				 			 	
Benefits and other changes in policy reserves	  	 	24	  	  	 	27	  	  	 	3	  	  	 	54	  	 	 	63	  	 	 	117	  	
Acquisition and operating expenses, net of deferrals	  	 	16	  	  	 	27	  	  	 	9	  	  	 	52	  	 	 	38	  	 	 	90	  	
Amortization of deferred acquisition costs and intangibles	  	 	9	  	  	 	4	  	  	 	—  	  	  	 	13	  	 	 	3	  	 	 	16	  	
Interest expense	  	 	5	  	  	 	3	  	  	 	—  	  	  	 	8	  	 	 	—  	  	 	 	8	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	54	  	  	 	61	  	  	 	12	  	  	 	127	  	 	 	104	  	 	 	231	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	70	  	  	 	61	  	  	 	(5	) 	  	 	126	  	 	 	57	  	 	 	183	  	
Provision for income taxes	  	 	17	  	  	 	18	  	  	 	7	  	  	 	42	  	 	 	20	  	 	 	62	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	53	  	  	 	43	  	  	 	(12	) 	  	 	84	  	 	 	37	  	 	 	121	  	
Less: net income attributable to noncontrolling interests	  	 	24	  	  	 	22	  	  	 	—  	  	  	 	46	  	 	 	—  	  	 	 	46	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	29	  	  	 	21	  	  	 	(12	) 	  	 	38	  	 	 	37	  	 	 	75	  	
						 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  				  				  				  				 				 			 	
Net investment (gains) losses, net	  	 	9	  	  	 	(1	) 	  	 	—  	  	  	 	8	  	 	 	—  	  	 	 	8	  	
(Gains) losses on early extinguishment of debt, net	  	 	—  	  	  	 	1	  	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	
Tax impact from potential business portfolio changes	  	 	—  	  	  	 	—  	  	  	 	7	  	  	 	7	  	 	 	—  	  	 	 	7	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	38	  	  	$	21	  	  	$	(5	) 	  	$	54	  	 	$	37	  	 	$	91	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income (loss))	  	 	27.2	% 	  	 	28.0	% 	  	 	8.2	% 	  	 	28.8	% 	 	 	35.4	% 	 	 	31.6	% 	
				
 	  	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Three months ended September 30, 2014	  	Canada	 	  	Australia	 	  	Other
Countries	 	  	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	  				  				  				  				 				 			 	
Premiums	  	$	130	  	  	$	105	  	  	$	7	  	  	$	242	  	 	$	146	  	 	$	388	  	
Net investment income	  	 	39	  	  	 	38	  	  	 	1	  	  	 	78	  	 	 	19	  	 	 	97	  	
Net investment gains (losses)	  	 	(4	) 	  	 	—  	  	  	 	—  	  	  	 	(4	) 	 	 	—  	  	 	 	(4	) 	
Insurance and investment product fees and other	  	 	(2	) 	  	 	(7	) 	  	 	2	  	  	 	(7	) 	 	 	—  	  	 	 	(7	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	163	  	  	 	136	  	  	 	10	  	  	 	309	  	 	 	165	  	 	 	474	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				  				  				  				 				 			 	
Benefits and other changes in policy reserves	  	 	28	  	  	 	22	  	  	 	8	  	  	 	58	  	 	 	141	  	 	 	199	  	
Acquisition and operating expenses, net of deferrals	  	 	18	  	  	 	25	  	  	 	9	  	  	 	52	  	 	 	35	  	 	 	87	  	
Amortization of deferred acquisition costs and intangibles	  	 	10	  	  	 	5	  	  	 	—  	  	  	 	15	  	 	 	1	  	 	 	16	  	
Interest expense	  	 	5	  	  	 	3	  	  	 	—  	  	  	 	8	  	 	 	—  	  	 	 	8	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	61	  	  	 	55	  	  	 	17	  	  	 	133	  	 	 	177	  	 	 	310	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	102	  	  	 	81	  	  	 	(7	) 	  	 	176	  	 	 	(12	) 	 	 	164	  	
Provision (benefit) for income taxes	  	 	24	  	  	 	10	  	  	 	—  	  	  	 	34	  	 	 	(10	) 	 	 	24	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	78	  	  	 	71	  	  	 	(7	) 	  	 	142	  	 	 	(2	) 	 	 	140	  	
Less: net income attributable to noncontrolling interests	  	 	34	  	  	 	23	  	  	 	—  	  	  	 	57	  	 	 	—  	  	 	 	57	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	44	  	  	 	48	  	  	 	(7	) 	  	 	85	  	 	 	(2	) 	 	 	83	  	
						 	
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  				  				  				  				 				 			 	
Net investment (gains) losses, net	  	 	2	  	  	 	—  	  	  	 	—  	  	  	 	2	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	46	  	  	$	48	  	  	$	(7	) 	  	$	87	  	 	$	(2	) 	 	$	85	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income (loss))	  	 	21.2	% 	  	 	14.2	% 	  	 	-2.2	% 	  	 	19.0	% 	 	 	80.1	% 	 	 	11.3	% 	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income (Loss)—Global Mortgage Insurance Division
(amounts in millions)

 	  	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Nine months ended September 30, 2015	  	Canada	 	  	Australia	 	  	Other
Countries	 	  	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	  				  				  				  				 				 			 	
Premiums	  	$	351	  	  	$	271	  	  	$	19	  	  	$	641	  	 	$	449	  	 	$	1,090	  	
Net investment income	  	 	99	  	  	 	89	  	  	 	1	  	  	 	189	  	 	 	44	  	 	 	233	  	
Net investment gains (losses)	  	 	(21	) 	  	 	4	  	  	 	—  	  	  	 	(17	) 	 	 	1	  	 	 	(16	) 	
Insurance and investment product fees and other	  	 	—  	  	  	 	(4	) 	  	 	—  	  	  	 	(4	) 	 	 	3	  	 	 	(1	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	429	  	  	 	360	  	  	 	20	  	  	 	809	  	 	 	497	  	 	 	1,306	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				  				  				  				 				 			 	
Benefits and other changes in policy reserves	  	 	70	  	  	 	66	  	  	 	11	  	  	 	147	  	 	 	163	  	 	 	310	  	
Acquisition and operating expenses, net of deferrals	  	 	50	  	  	 	74	  	  	 	26	  	  	 	150	  	 	 	113	  	 	 	263	  	
Amortization of deferred acquisition costs and intangibles	  	 	27	  	  	 	14	  	  	 	—  	  	  	 	41	  	 	 	7	  	 	 	48	  	
Interest expense	  	 	14	  	  	 	7	  	  	 	—  	  	  	 	21	  	 	 	—  	  	 	 	21	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	161	  	  	 	161	  	  	 	37	  	  	 	359	  	 	 	283	  	 	 	642	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	268	  	  	 	199	  	  	 	(17	) 	  	 	450	  	 	 	214	  	 	 	664	  	
Provision for income taxes	  	 	70	  	  	 	60	  	  	 	6	  	  	 	136	  	 	 	76	  	 	 	212	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	198	  	  	 	139	  	  	 	(23	) 	  	 	314	  	 	 	138	  	 	 	452	  	
Less: net income attributable to noncontrolling interests	  	 	91	  	  	 	59	  	  	 	—  	  	  	 	150	  	 	 	—  	  	 	 	150	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	107	  	  	 	80	  	  	 	(23	) 	  	 	164	  	 	 	138	  	 	 	302	  	
						 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  				  				  				  				 				 			 	
Net investment (gains) losses, net	  	 	8	  	  	 	(1	) 	  	 	—  	  	  	 	7	  	 	 	—  	  	 	 	7	  	
(Gains) losses on early extinguishment of debt, net	  	 	—  	  	  	 	1	  	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	
Tax impact from potential business portfolio changes	  	 	—  	  	  	 	—  	  	  	 	7	  	  	 	7	  	 	 	—  	  	 	 	7	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	115	  	  	$	80	  	  	$	(16	) 	  	$	179	  	 	$	138	  	 	$	317	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income (loss))	  	 	27.5	% 	  	 	29.5	% 	  	 	7.4	% 	  	 	29.7	% 	 	 	35.6	% 	 	 	32.4	% 	
				
 	  	International Mortgage Insurance Segment	 	 	 	 	 	 	 	
Nine months ended September 30, 2014	  	Canada	 	  	Australia	 	  	Other
Countries	 	  	Total International
Mortgage Insurance
Segment	 	 	U.S. Mortgage
Insurance
Segment	 	 	Total	 	
REVENUES:	  				  				  				  				 				 			 	
Premiums	  	$	388	  	  	$	304	  	  	$	22	  	  	$	714	  	 	$	427	  	 	$	1,141	  	
Net investment income	  	 	117	  	  	 	108	  	  	 	2	  	  	 	227	  	 	 	48	  	 	 	275	  	
Net investment gains (losses)	  	 	5	  	  	 	—  	  	  	 	—  	  	  	 	5	  	 	 	—  	  	 	 	5	  	
Insurance and investment product fees and other	  	 	1	  	  	 	(11	) 	  	 	1	  	  	 	(9	) 	 	 	1	  	 	 	(8	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	511	  	  	 	401	  	  	 	25	  	  	 	937	  	 	 	476	  	 	 	1,413	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				  				  				  				 				 			 	
Benefits and other changes in policy reserves	  	 	69	  	  	 	63	  	  	 	18	  	  	 	150	  	 	 	266	  	 	 	416	  	
Acquisition and operating expenses, net of deferrals	  	 	67	  	  	 	67	  	  	 	26	  	  	 	160	  	 	 	102	  	 	 	262	  	
Amortization of deferred acquisition costs and intangibles	  	 	29	  	  	 	16	  	  	 	—  	  	  	 	45	  	 	 	5	  	 	 	50	  	
Interest expense	  	 	16	  	  	 	8	  	  	 	—  	  	  	 	24	  	 	 	—  	  	 	 	24	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	181	  	  	 	154	  	  	 	44	  	  	 	379	  	 	 	373	  	 	 	752	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	330	  	  	 	247	  	  	 	(19	) 	  	 	558	  	 	 	103	  	 	 	661	  	
Provision (benefit) for income taxes	  	 	87	  	  	 	46	  	  	 	(1	) 	  	 	132	  	 	 	33	  	 	 	165	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	243	  	  	 	201	  	  	 	(18	) 	  	 	426	  	 	 	70	  	 	 	496	  	
Less: net income attributable to noncontrolling interests	  	 	110	  	  	 	34	  	  	 	—  	  	  	 	144	  	 	 	—  	  	 	 	144	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	133	  	  	 	167	  	  	 	(18	) 	  	 	282	  	 	 	70	  	 	 	352	  	
						 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  				  				  				  				 				 			 	
Net investment (gains) losses, net	  	 	(1	) 	  	 	—  	  	  	 	—  	  	  	 	(1	) 	 	 	—  	  	 	 	(1	) 	
(Gains) losses on early extinguishment of debt, net	  	 	2	  	  	 	—  	  	  	 	—  	  	  	 	2	  	 	 	—  	  	 	 	2	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	134	  	  	$	167	  	  	$	(18	) 	  	$	283	  	 	$	70	  	 	$	353	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income (loss))	  	 	26.4	% 	  	 	19.3	% 	  	 	6.4	% 	  	 	23.5	% 	 	 	32.1	% 	 	 	25.4	% 	
 
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International Mortgage Insurance Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Net Operating Income—International Mortgage Insurance Segment
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	215	  	 	$	211	  	 	$	215	  	 	$	641	  	 	$	236	  	 	$	242	  	 	$	237	  	 	$	235	  	 	$	950	  	
Net investment income	 	 	60	  	 	 	63	  	 	 	66	  	 	 	189	  	 	 	76	  	 	 	78	  	 	 	75	  	 	 	74	  	 	 	303	  	
Net investment gains (losses)	 	 	(20	) 	 	 	20	  	 	 	(17	) 	 	 	(17	) 	 	 	(4	) 	 	 	(4	) 	 	 	12	  	 	 	(3	) 	 	 	1	  	
Insurance and investment product fees and other	 	 	(2	) 	 	 	1	  	 	 	(3	) 	 	 	(4	) 	 	 	(5	) 	 	 	(7	) 	 	 	(4	) 	 	 	2	  	 	 	(14	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	253	  	 	 	295	  	 	 	261	  	 	 	809	  	 	 	303	  	 	 	309	  	 	 	320	  	 	 	308	  	 	 	1,240	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	54	  	 	 	49	  	 	 	44	  	 	 	147	  	 	 	54	  	 	 	58	  	 	 	45	  	 	 	47	  	 	 	204	  	
Acquisition and operating expenses, net of deferrals	 	 	52	  	 	 	56	  	 	 	42	  	 	 	150	  	 	 	63	  	 	 	52	  	 	 	59	  	 	 	49	  	 	 	223	  	
Amortization of deferred acquisition costs and intangibles	 	 	13	  	 	 	14	  	 	 	14	  	 	 	41	  	 	 	14	  	 	 	15	  	 	 	15	  	 	 	15	  	 	 	59	  	
Interest expense	 	 	8	  	 	 	6	  	 	 	7	  	 	 	21	  	 	 	7	  	 	 	8	  	 	 	8	  	 	 	8	  	 	 	31	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	127	  	 	 	125	  	 	 	107	  	 	 	359	  	 	 	138	  	 	 	133	  	 	 	127	  	 	 	119	  	 	 	517	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	126	  	 	 	170	  	 	 	154	  	 	 	450	  	 	 	165	  	 	 	176	  	 	 	193	  	 	 	189	  	 	 	723	  	
Provision for income taxes	 	 	42	  	 	 	48	  	 	 	46	  	 	 	136	  	 	 	226	  	 	 	34	  	 	 	42	  	 	 	56	  	 	 	358	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	84	  	 	 	122	  	 	 	108	  	 	 	314	  	 	 	(61	) 	 	 	142	  	 	 	151	  	 	 	133	  	 	 	365	  	
Less: net income attributable to noncontrolling interests	 	 	46	  	 	 	54	  	 	 	50	  	 	 	150	  	 	 	52	  	 	 	57	  	 	 	52	  	 	 	35	  	 	 	196	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	38	  	 	 	68	  	 	 	58	  	 	 	164	  	 	 	(113	) 	 	 	85	  	 	 	99	  	 	 	98	  	 	 	169	  	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	8	  	 	 	(7	) 	 	 	6	  	 	 	7	  	 	 	1	  	 	 	2	  	 	 	(4	) 	 	 	1	  	 	 	—  	  	
(Gains) losses on early extinguishment of debt, net	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	
Tax impact from potential business portfolio changes	 	 	7	  	 	 	—  	  	 	 	—  	  	 	 	7	  	 	 	174	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	174	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	 	$	54	  	 	$	61	  	 	$	64	  	 	$	179	  	 	$	62	  	 	$	87	  	 	$	97	  	 	$	99	  	 	$	345	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Effective tax rate (operating income)	 	 	28.8	% 	 	 	29.2	% 	 	 	30.7	% 	 	 	29.7	% 	 	 	34.5	% 	 	 	19.0	% 	 	 	18.8	% 	 	 	30.7	% 	 	 	25.7	% 	

(1)  	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Mortgage Insurance segment was $67 million and $211 million for the three and nine months ended September 30, 2015, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income and Sales—International Mortgage Insurance Segment—Canada
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	116	  	 	$	116	  	 	$	119	  	 	$	351	  	 	$	127	  	 	$	130	  	 	$	128	  	 	$	130	  	 	$	515	  	
Net investment income	 	 	32	  	 	 	33	  	 	 	34	  	 	 	99	  	 	 	38	  	 	 	39	  	 	 	39	  	 	 	39	  	 	 	155	  	
Net investment gains (losses)	 	 	(23	) 	 	 	20	  	 	 	(18	) 	 	 	(21	) 	 	 	(7	) 	 	 	(4	) 	 	 	12	  	 	 	(3	) 	 	 	(2	) 	
Insurance and investment product fees and other	 	 	(1	) 	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	(2	) 	 	 	1	  	 	 	2	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	124	  	 	 	169	  	 	 	136	  	 	 	429	  	 	 	158	  	 	 	163	  	 	 	180	  	 	 	168	  	 	 	669	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	24	  	 	 	21	  	 	 	25	  	 	 	70	  	 	 	33	  	 	 	28	  	 	 	15	  	 	 	26	  	 	 	102	  	
Acquisition and operating expenses, net of deferrals	 	 	16	  	 	 	22	  	 	 	12	  	 	 	50	  	 	 	23	  	 	 	18	  	 	 	28	  	 	 	21	  	 	 	90	  	
Amortization of deferred acquisition costs and intangibles	 	 	9	  	 	 	9	  	 	 	9	  	 	 	27	  	 	 	9	  	 	 	10	  	 	 	9	  	 	 	10	  	 	 	38	  	
Interest expense	 	 	5	  	 	 	4	  	 	 	5	  	 	 	14	  	 	 	5	  	 	 	5	  	 	 	6	  	 	 	5	  	 	 	21	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	54	  	 	 	56	  	 	 	51	  	 	 	161	  	 	 	70	  	 	 	61	  	 	 	58	  	 	 	62	  	 	 	251	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	70	  	 	 	113	  	 	 	85	  	 	 	268	  	 	 	88	  	 	 	102	  	 	 	122	  	 	 	106	  	 	 	418	  	
Provision for income taxes	 	 	17	  	 	 	31	  	 	 	22	  	 	 	70	  	 	 	24	  	 	 	24	  	 	 	32	  	 	 	31	  	 	 	111	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	 	 	53	  	 	 	82	  	 	 	63	  	 	 	198	  	 	 	64	  	 	 	78	  	 	 	90	  	 	 	75	  	 	 	307	  	
Less: net income attributable to noncontrolling interests	 	 	24	  	 	 	38	  	 	 	29	  	 	 	91	  	 	 	30	  	 	 	34	  	 	 	41	  	 	 	35	  	 	 	140	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	 	 	29	  	 	 	44	  	 	 	34	  	 	 	107	  	 	 	34	  	 	 	44	  	 	 	49	  	 	 	40	  	 	 	167	  	
	 									
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	9	  	 	 	(7	) 	 	 	6	  	 	 	8	  	 	 	2	  	 	 	2	  	 	 	(4	) 	 	 	1	  	 	 	1	  	
(Gains) losses on early extinguishment of debt, net	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	2	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	 	$	38	  	 	$	37	  	 	$	40	  	 	$	115	  	 	$	36	  	 	$	46	  	 	$	47	  	 	$	41	  	 	$	170	  	

Effective tax rate (operating income)	 	 	27.2	% 	 	 	27.3	% 	 	 	27.9	% 	 	 	27.5	% 	 	 	29.4	% 	 	 	21.2	% 	 	 	26.3	% 	 	 	31.6	% 	 	 	27.1	% 	
										
SALES:	 				 				 				 				 				 				 				 				 				
New Insurance Written (NIW)	 				 				 				 				 				 				 				 				 				
Flow	 	$	6,600	  	 	$	5,400	  	 	$	3,300	  	 	$	15,300	  	 	$	5,500	  	 	$	6,800	  	 	$	5,000	  	 	$	2,900	  	 	$	20,200	  	
Bulk	 	 	4,800	  	 	 	3,300	  	 	 	5,000	  	 	 	13,100	  	 	 	2,300	  	 	 	5,600	  	 	 	7,500	  	 	 	2,900	  	 	 	18,300	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Canada NIW (2)	 	$	11,400	  	 	$	8,700	  	 	$	8,300	  	 	$	28,400	  	 	$	7,800	  	 	$	12,400	  	 	$	12,500	  	 	$	5,800	  	 	$	38,500	  	

 

(1)  	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $45 million and $132 million for the three and nine months ended September 30, 2015, respectively.	
(2)  	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $13,400 million and $32,300 million for the three and nine months ended September 30, 2015, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income and Sales—International Mortgage Insurance Segment—Australia
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	92	  	  	$	90	  	 	$	89	  	 	$	271	  	 	$	102	  	 	$	105	  	 	$	102	  	 	$	97	  	 	$	406	  	
Net investment income	  	 	28	  	  	 	29	  	 	 	32	  	 	 	89	  	 	 	36	  	 	 	38	  	 	 	36	  	 	 	34	  	 	 	144	  	
Net investment gains (losses)	  	 	3	  	  	 	—  	  	 	 	1	  	 	 	4	  	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	3	  	
Insurance and investment product fees and other	  	 	(1	) 	  	 	1	  	 	 	(4	) 	 	 	(4	) 	 	 	(5	) 	 	 	(7	) 	 	 	(4	) 	 	 	—  	  	 	 	(16	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	122	  	  	 	120	  	 	 	118	  	 	 	360	  	 	 	136	  	 	 	136	  	 	 	134	  	 	 	131	  	 	 	537	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	27	  	  	 	25	  	 	 	14	  	 	 	66	  	 	 	15	  	 	 	22	  	 	 	24	  	 	 	17	  	 	 	78	  	
Acquisition and operating expenses, net of deferrals	  	 	27	  	  	 	25	  	 	 	22	  	 	 	74	  	 	 	30	  	 	 	25	  	 	 	23	  	 	 	19	  	 	 	97	  	
Amortization of deferred acquisition costs and intangibles	  	 	4	  	  	 	5	  	 	 	5	  	 	 	14	  	 	 	5	  	 	 	5	  	 	 	6	  	 	 	5	  	 	 	21	  	
Interest expense	  	 	3	  	  	 	2	  	 	 	2	  	 	 	7	  	 	 	2	  	 	 	3	  	 	 	2	  	 	 	3	  	 	 	10	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	61	  	  	 	57	  	 	 	43	  	 	 	161	  	 	 	52	  	 	 	55	  	 	 	55	  	 	 	44	  	 	 	206	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	61	  	  	 	63	  	 	 	75	  	 	 	199	  	 	 	84	  	 	 	81	  	 	 	79	  	 	 	87	  	 	 	331	  	
Provision for income taxes	  	 	18	  	  	 	18	  	 	 	24	  	 	 	60	  	 	 	202	  	 	 	10	  	 	 	11	  	 	 	25	  	 	 	248	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	43	  	  	 	45	  	 	 	51	  	 	 	139	  	 	 	(118	) 	 	 	71	  	 	 	68	  	 	 	62	  	 	 	83	  	
Less: net income attributable to noncontrolling interests	  	 	22	  	  	 	16	  	 	 	21	  	 	 	59	  	 	 	22	  	 	 	23	  	 	 	11	  	 	 	—  	  	 	 	56	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	21	  	  	 	29	  	 	 	30	  	 	 	80	  	 	 	(140	) 	 	 	48	  	 	 	57	  	 	 	62	  	 	 	27	  	
	 									
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net	  	 	(1	) 	  	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	
(Gains) losses on early extinguishment of debt, net	  	 	1	  	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Tax impact from potential business portfolio changes	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	174	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	174	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (1)	  	$	21	  	  	$	29	  	 	$	30	  	 	$	80	  	 	$	33	  	 	$	48	  	 	$	57	  	 	$	62	  	 	$	200	  	

Effective tax rate (operating income)	  	 	28.0	% 	  	 	29.5	% 	 	 	30.5	% 	 	 	29.5	% 	 	 	34.8	% 	 	 	14.2	% 	 	 	10.4	% 	 	 	29.0	% 	 	 	22.3	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
New Insurance Written (NIW)	  				  				 				 				 				 				 				 				 				
Flow	  	$	6,300	  	  	$	6,500	  	 	$	5,800	  	 	$	18,600	  	 	$	8,000	  	 	$	8,100	  	 	$	7,900	  	 	$	7,800	  	 	$	31,800	  	
Bulk	  	 	—  	  	  	 	1,700	  	 	 	—  	  	 	 	1,700	  	 	 	100	  	 	 	1,000	  	 	 	—  	  	 	 	—  	  	 	 	1,100	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Australia NIW (2)	  	$	6,300	  	  	$	8,200	  	 	$	5,800	  	 	$	20,300	  	 	$	8,100	  	 	$	9,100	  	 	$	7,900	  	 	$	7,800	  	 	$	32,900	  	

 

(1)  	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $27 million and $95 million for the three and nine months ended September 30, 2015, respectively.	
(2)  	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $7,900 million and $24,100 million for the three and nine months ended September 30, 2015, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Loss and Sales—International Mortgage Insurance Segment—Other Countries
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	  	1Q	 	 	Total	 	 	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	  	Total	 	
REVENUES:	  			 	  				  				 				 				  				  				  				  				
Premiums	  	$	7	  	  	$	5	  	  	$	7	  	 	$	19	  	 	$	7	  	  	$	7	  	  	$	7	  	  	$	8	  	  	$	29	  	
Net investment income	  	 	—  	  	  	 	1	  	  	 	—  	  	 	 	1	  	 	 	2	  	  	 	1	  	  	 	—  	  	  	 	1	  	  	 	4	  	
Net investment gains (losses)	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
Insurance and investment product fees and other	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	2	  	  	 	(1	) 	  	 	—  	  	  	 	1	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total revenues	  	 	7	  	  	 	6	  	  	 	7	  	 	 	20	  	 	 	9	  	  	 	10	  	  	 	6	  	  	 	9	  	  	 	34	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				  				 				 				  				  				  				  				
Benefits and other changes in policy reserves	  	 	3	  	  	 	3	  	  	 	5	  	 	 	11	  	 	 	6	  	  	 	8	  	  	 	6	  	  	 	4	  	  	 	24	  	
Acquisition and operating expenses, net of deferrals	  	 	9	  	  	 	9	  	  	 	8	  	 	 	26	  	 	 	10	  	  	 	9	  	  	 	8	  	  	 	9	  	  	 	36	  	
Amortization of deferred acquisition costs and intangibles	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
Interest expense	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total benefits and expenses	  	 	12	  	  	 	12	  	  	 	13	  	 	 	37	  	 	 	16	  	  	 	17	  	  	 	14	  	  	 	13	  	  	 	60	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(5	) 	  	 	(6	) 	  	 	(6	) 	 	 	(17	) 	 	 	(7	) 	  	 	(7	) 	  	 	(8	) 	  	 	(4	) 	  	 	(26	) 	
Provision (benefit) for income taxes	  	 	7	  	  	 	(1	) 	  	 	—  	  	 	 	6	  	 	 	—  	  	  	 	—  	  	  	 	(1	) 	  	 	—  	  	  	 	(1	) 	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
LOSS FROM CONTINUING OPERATIONS	  	 	(12	) 	  	 	(5	) 	  	 	(6	) 	 	 	(23	) 	 	 	(7	) 	  	 	(7	) 	  	 	(7	) 	  	 	(4	) 	  	 	(25	) 	
Less: net income attributable to noncontrolling interests	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	  	 	(12	) 	  	 	(5	) 	  	 	(6	) 	 	 	(23	) 	 	 	(7	) 	  	 	(7	) 	  	 	(7	) 	  	 	(4	) 	  	 	(25	) 	
	 									
ADJUSTMENTS TO LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:	  			 	  				  				 				 				  				  				  				  				
Net investment (gains) losses, net	  	 	—  	  	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
Tax impact from potential business portfolio changes	  	 	7	  	  	 	—  	  	  	 	—  	  	 	 	7	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
NET OPERATING LOSS (1)	  	$	(5	) 	  	$	(5	) 	  	$	(6	) 	 	$	(16	) 	 	$	(7	) 	  	$	(7	) 	  	$	(7	) 	  	$	(4	) 	  	$	(25	) 	

Effective tax rate (operating loss)	  	 	8.2	% 	  	 	10.0	% 	  	 	4.9	% 	 	 	7.4	% 	 	 	-4.2	% 	  	 	-2.2	% 	  	 	11.3	% 	  	 	10.3	% 	  	 	3.8	% 	
										
SALES:	  				  				  				 				 				  				  				  				  				
New Insurance Written (NIW)	  				  				  				 				 				  				  				  				  				
Flow	  	$	600	  	  	$	500	  	  	$	400	  	 	$	1,500	  	 	$	500	  	  	$	400	  	  	$	500	  	  	$	400	  	  	$	1,800	  	
Bulk	  	 	—  	  	  	 	—  	  	  	 	200	  	 	 	200	  	 	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Other Countries NIW (2)	  	$	600	  	  	$	500	  	  	$	600	  	 	$	1,700	  	 	$	500	  	  	$	400	  	  	$	500	  	  	$	400	  	  	$	1,800	  	

 

(1)  	Net operating loss for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $5 million and $16 million for the three and nine months ended September 30, 2015, respectively.	
(2)  	New insurance written for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $700 million and $2,000 million for the three and nine months ended September 30, 2015, respectively.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

 	  	2015	 	 	 	 	 	2014	 	
 	  	      3Q      	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  			 	  				 				 				 				 				 				 				 				
Canada	  	$	204	  	  	$	166	  	 	$	109	  	 	$	479	  	 	$	160	  	 	$	200	  	 	$	146	  	 	$	77	  	 	$	583	  	
Australia	  	 	79	  	  	 	107	  	 	 	87	  	 	 	273	  	 	 	128	  	 	 	130	  	 	 	125	  	 	 	126	  	 	 	509	  	
Other Countries (1)	  	 	7	  	  	 	6	  	 	 	6	  	 	 	19	  	 	 	6	  	 	 	6	  	 	 	1	  	 	 	6	  	 	 	19	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Net Premiums Written	  	$	290	  	  	$	279	  	 	$	202	  	 	$	771	  	 	$	294	  	 	$	336	  	 	$	272	  	 	$	209	  	 	$	1,111	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (2)	  			 	  				 				 				 				 				 				 				 				
Canada	  	 	21	% 	  	 	17	% 	 	 	22	% 	 	 	20	% 	 	 	26	% 	 	 	21	% 	 	 	12	% 	 	 	20	% 	 	 	20	% 	
Australia (3)	  	 	29	% 	  	 	28	% 	 	 	15	% 	 	 	24	% 	 	 	15	% 	 	 	21	% 	 	 	23	% 	 	 	17	% 	 	 	19	% 	
Other Countries	  	 	48	% 	  	 	43	% 	 	 	81	% 	 	 	58	% 	 	 	84	% 	 	 	105	% 	 	 	90	% 	 	 	55	% 	 	 	83	% 	
Total Loss Ratio	  	 	25	% 	  	 	23	% 	 	 	21	% 	 	 	23	% 	 	 	23	% 	 	 	24	% 	 	 	19	% 	 	 	20	% 	 	 	21	% 	
	 	 								
GAAP Basis Expense Ratio (4)	  			 	  				 				 				 				 				 				 				 				
Canada (5)	  	 	22	% 	  	 	27	% 	 	 	18	% 	 	 	22	% 	 	 	26	% 	 	 	22	% 	 	 	29	% 	 	 	23	% 	 	 	25	% 	
Australia (6)	  	 	34	% 	  	 	33	% 	 	 	30	% 	 	 	33	% 	 	 	34	% 	 	 	28	% 	 	 	28	% 	 	 	25	% 	 	 	29	% 	
Other Countries (1)	  	 	143	% 	  	 	143	% 	 	 	125	% 	 	 	137	% 	 	 	115	% 	 	 	126	% 	 	 	131	% 	 	 	107	% 	 	 	120	% 	
Total GAAP Basis Expense Ratio	  	 	31	% 	  	 	33	% 	 	 	26	% 	 	 	30	% 	 	 	32	% 	 	 	28	% 	 	 	32	% 	 	 	27	% 	 	 	30	% 	
	 	 								
Adjusted Expense Ratio (7)	  			 	  				 				 				 				 				 				 				 				
Canada (8)	  	 	12	% 	  	 	19	% 	 	 	20	% 	 	 	16	% 	 	 	20	% 	 	 	14	% 	 	 	26	% 	 	 	39	% 	 	 	22	% 	
Australia (9)	  	 	40	% 	  	 	28	% 	 	 	31	% 	 	 	32	% 	 	 	27	% 	 	 	23	% 	 	 	23	% 	 	 	20	% 	 	 	23	% 	
Other Countries (1)	  	 	132	% 	  	 	135	% 	 	 	132	% 	 	 	133	% 	 	 	132	% 	 	 	150	% 	 	 	NM	(10)  	 	 	142	% 	 	 	186	% 	
Total Adjusted Expense Ratio	  	 	23	% 	  	 	25	% 	 	 	28	% 	 	 	25	% 	 	 	26	% 	 	 	20	% 	 	 	28	% 	 	 	30	% 	 	 	25	% 	
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.	
(2)  	The ratio of incurred losses and loss adjustment expenses to net earned premiums.	
(3)  	During the third quarter of 2015, the company increased reserves $9 million mainly related to the estimate of the period of time it takes for a delinquent loan to be reported and increased net earned premiums $8 million from refinements to premium recognition factors. These adjustments unfavorably impacted the loss ratio by seven percentage points for the three months ended September 30, 2015. During the first quarter of 2015, the company accrued a $7 million pre-tax receivable for expected recoveries relating to paid claims reflecting its experience of successful borrower recovery activity, which favorably impacted the loss ratio by nine percentage points for the three months ended March 31, 2015.	
(4)  	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.	
(5)  	The debt early redemption payment of $6 million in the second quarter of 2014 unfavorably impacted the GAAP basis expense ratio for the three months ended June 30, 2014 and the twelve months ended December 31, 2014 by five percentage points and one percentage point, respectively.	
(6)  	The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted the GAAP basis expense ratio for the three and nine months ended September 30, 2015 by two percentage points and one percentage point, respectively.	
(7)  	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.	
(8)  	The debt early redemption payment of $6 million in the second quarter of 2014 unfavorably impacted the adjusted expense ratio for the three months ended June 30, 2014 and the twelve months ended December 31, 2014 by five percentage points and one percentage point, respectively.	
(9)  	The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted the adjusted expense ratio for the three months ended September 30, 2015 by two percentage points.	
(10)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
24

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	
Primary Insurance In-Force	 			 	 				 				 				 				 				 				
Canada (1)	 	$	292,000	  	 	$	300,900	  	 	$	288,800	  	 	$	306,600	  	 	$	310,800	  	 	$	314,500	  	 	$	291,900	  	
Australia	 	 	224,100	  	 	 	243,800	  	 	 	240,900	  	 	 	256,000	  	 	 	271,100	  	 	 	288,500	  	 	 	281,000	  	
Other Countries	 	 	20,400	  	 	 	20,500	  	 	 	19,800	  	 	 	21,900	  	 	 	23,900	  	 	 	26,000	  	 	 	26,200	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary Insurance In-Force	 	$	536,500	  	 	$	565,200	  	 	$	549,500	  	 	$	584,500	  	 	$	605,800	  	 	$	629,000	  	 	$	599,100	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Primary Risk In-Force (2)	 			 	 				 				 				 				 				 				
Canada	 			 	 				 				 				 				 				 				
Flow	 	$	75,500	  	 	$	78,500	  	 	$	75,700	  	 	$	81,300	  	 	$	82,600	  	 	$	84,500	  	 	$	80,100	  	
Bulk	 	 	26,700	  	 	 	26,800	  	 	 	25,400	  	 	 	26,000	  	 	 	26,200	  	 	 	25,600	  	 	 	22,100	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Canada	 	 	102,200	  	 	 	105,300	  	 	 	101,100	  	 	 	107,300	  	 	 	108,800	  	 	 	110,100	  	 	 	102,200	  	
 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Australia	 			 	 				 				 				 				 				 				
Flow	 	 	72,900	  	 	 	79,100	  	 	 	78,600	  	 	 	83,400	  	 	 	88,100	  	 	 	93,800	  	 	 	91,100	  	
Bulk	 	 	5,500	  	 	 	6,200	  	 	 	5,700	  	 	 	6,200	  	 	 	6,800	  	 	 	7,200	  	 	 	7,200	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Australia	 	 	78,400	  	 	 	85,300	  	 	 	84,300	  	 	 	89,600	  	 	 	94,900	  	 	 	101,000	  	 	 	98,300	  	
 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Other Countries	 			 	 				 				 				 				 				 				
Flow (3),(4)	 	 	2,000	  	 	 	2,000	  	 	 	2,000	  	 	 	2,200	  	 	 	3,000	  	 	 	3,200	  	 	 	3,300	  	
Bulk	 	 	300	  	 	 	300	  	 	 	300	  	 	 	300	  	 	 	300	  	 	 	400	  	 	 	400	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Other Countries	 	 	2,300	  	 	 	2,300	  	 	 	2,300	  	 	 	2,500	  	 	 	3,300	  	 	 	3,600	  	 	 	3,700	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary Risk In-Force	 	$	182,900	  	 	$	192,900	  	 	$	187,700	  	 	$	199,400	  	 	$	207,000	  	 	$	214,700	  	 	$	204,200	  	

 

(1)  	As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding balances in Canada from most of its customers. As a result, the company estimates that the outstanding balance of insured mortgages was approximately $142.0 billion, $137.0 billion, $145.0 billion, $148.0 billion, $152.0 billion and $141.0 billion as of June 30, 2015, March 31, 2015, December 31, 2014, September 30, 2014, June 30, 2014 and March 31, 2014. This is based on the extrapolation of the amounts reported by lenders 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. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor.	
(3)  	Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe. Primary flow risk in-force excludes $320 million, $300 million, $271 million, $296 million, $290 million, $298 million and $282 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2015, June 30, 2015, March 31, 2015, December 31, 2014, September 30, 2014, June 30, 2014 and March 31, 2014, respectively.	
(4)  	Beginning in the fourth quarter of 2014, risk in-force reflects a maximum risk exposure of approximately $60 million with one lender in Ireland as a result of a settlement completed during the fourth quarter of 2014.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Canada
(dollar amounts in millions)

Primary Insurance	  	September 30, 2015	 	 	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	 	 	 	
Insured loans in-force (1),(2)	  	 	1,785,541	  	 	 	1,737,083	  	 	 	1,704,483	  	 	 	1,673,505	  	 	 	1,646,223	  	 				
Insured delinquent loans	  	 	1,715	  	 	 	1,666	  	 	 	1,792	  	 	 	1,756	  	 	 	1,708	  	 				
Insured delinquency rate (2),(3)	  	 	0.10	% 	 	 	0.10	% 	 	 	0.11	% 	 	 	0.10	% 	 	 	0.10	% 	 				
							
Flow loans in-force (1)	  	 	1,313,034	  	 	 	1,287,744	  	 	 	1,266,626	  	 	 	1,255,050	  	 	 	1,236,206	  	 				
Flow delinquent loans	  	 	1,449	  	 	 	1,435	  	 	 	1,532	  	 	 	1,493	  	 	 	1,477	  	 				
Flow delinquency rate (3)	  	 	0.11	% 	 	 	0.11	% 	 	 	0.12	% 	 	 	0.12	% 	 	 	0.12	% 	 				
							
Bulk loans in-force (1)	  	 	472,507	  	 	 	449,339	  	 	 	437,857	  	 	 	418,455	  	 	 	410,017	  	 				
Bulk delinquent loans	  	 	266	  	 	 	231	  	 	 	260	  	 	 	263	  	 	 	231	  	 				
Bulk delinquency rate (3)	  	 	0.06	% 	 	 	0.05	% 	 	 	0.06	% 	 	 	0.06	% 	 	 	0.06	% 	 				
							
Loss Metrics	  	September 30, 2015	 	 	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	 	 	 	
Beginning Reserves	  	$	85	  	 	$	85	  	 	$	91	  	 	$	89	  	 	$	90	  	 				
Paid claims (4)	  	 	(20	) 	 	 	(21	) 	 	 	(22	) 	 	 	(24	) 	 	 	(24	) 	 				
Increase in reserves	  	 	23	  	 	 	19	  	 	 	24	  	 	 	29	  	 	 	27	  	 				
Impact of changes in foreign exchange rates	  	 	(5	) 	 	 	2	  	 	 	(8	) 	 	 	(3	) 	 	 	(4	) 	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	83	  	 	$	85	  	 	$	85	  	 	$	91	  	 	$	89	  	 				

 	  	September 30, 2015	 	 	June 30, 2015	 	 	September 30, 2014	 	
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	% 	 	 	0.05	% 	 	 	46	% 	 	 	0.04	% 	 	 	46	% 	 	 	0.06%    	  	
Alberta	  	 	17	  	 	 	0.10	% 	 	 	17	  	 	 	0.09	% 	 	 	17	  	 	 	0.09%    	  	
British Columbia	  	 	14	  	 	 	0.10	% 	 	 	14	  	 	 	0.11	% 	 	 	14	  	 	 	0.15%    	  	
Quebec	  	 	13	  	 	 	0.18	% 	 	 	14	  	 	 	0.19	% 	 	 	14	  	 	 	0.18%    	  	
Saskatchewan	  	 	3	  	 	 	0.15	% 	 	 	3	  	 	 	0.13	% 	 	 	3	  	 	 	0.12%    	  	
Nova Scotia	  	 	2	  	 	 	0.20	% 	 	 	2	  	 	 	0.20	% 	 	 	2	  	 	 	0.21%    	  	
Manitoba	  	 	2	  	 	 	0.08	% 	 	 	2	  	 	 	0.07	% 	 	 	2	  	 	 	0.04%    	  	
New Brunswick	  	 	1	  	 	 	0.19	% 	 	 	1	  	 	 	0.18	% 	 	 	1	  	 	 	0.22%    	  	
All Other	  	 	2	  	 	 	0.11	% 	 	 	1	  	 	 	0.12	% 	 	 	1	  	 	 	0.11%    	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.10	% 	 	 	100	% 	 	 	0.10	% 	 	 	100	% 	 	 	0.10%    	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
By Policy Year	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
2006 and prior	  	 	29	% 	 	 	0.03	% 	 	 	29	% 	 	 	0.02	% 	 	 	31	% 	 	 	0.03%    	  	
2007	  	 	8	  	 	 	0.14	% 	 	 	8	  	 	 	0.15	% 	 	 	9	  	 	 	0.17%    	  	
2008	  	 	6	  	 	 	0.17	% 	 	 	7	  	 	 	0.20	% 	 	 	7	  	 	 	0.21%    	  	
2009	  	 	4	  	 	 	0.15	% 	 	 	4	  	 	 	0.16	% 	 	 	5	  	 	 	0.23%    	  	
2010	  	 	7	  	 	 	0.21	% 	 	 	7	  	 	 	0.20	% 	 	 	8	  	 	 	0.25%    	  	
2011	  	 	7	  	 	 	0.25	% 	 	 	7	  	 	 	0.25	% 	 	 	8	  	 	 	0.25%    	  	
2012	  	 	9	  	 	 	0.21	% 	 	 	10	  	 	 	0.19	% 	 	 	11	  	 	 	0.16%    	  	
2013	  	 	9	  	 	 	0.13	% 	 	 	10	  	 	 	0.10	% 	 	 	11	  	 	 	0.06%    	  	
2014	  	 	11	  	 	 	0.06	% 	 	 	12	  	 	 	0.05	% 	 	 	10	  	 	 	0.01%    	  	
2015	  	 	10	  	 	 	—  	% 	 	 	6	  	 	 	—  	% 	 	 	—  	  	 	 	—  %    	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.10	% 	 	 	100	% 	 	 	0.10	% 	 	 	100	% 	 	 	0.10%    	  	

(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)  	As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding loans in-force in Canada from most of its customers. As a result, the company estimates that the outstanding loans in-force were 828,000 as of June 30, 2015, 809,100 as of March 31, 2015, 793,700 as of December 31, 2014 and 783,700 as of September 30, 2014. This is based on the extrapolation of the amounts reported by lenders to the entire insured population. The corresponding insured delinquency rate was 0.20% as of June 30, 2015 and 0.22% as of March 31, 2015, December 31, 2014 and September 30, 2014.	
(3)  	Delinquency rates are based on insured loans in-force.	
(4)  	Paid claims exclude adjustments for expected recoveries related to loss reserves and prior paid claims.	
 
26

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Canada
(Canadian dollar amounts in millions)

 	  	2015	 	  	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims (1)	  			 	  				 				 				  				 				 				 				 				
Flow	  	$	25	  	  	$	25	  	 	$	25	  	 	$	75	  	  	$	26	  	 	$	25	  	 	$	28	  	 	$	28	  	 	$	107	  	
Bulk	  	 	1	  	  	 	1	  	 	 	2	  	 	 	4	  	  	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	3	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	26	  	  	$	26	  	 	$	27	  	 	$	79	  	  	$	27	  	 	$	26	  	 	$	28	  	 	$	29	  	 	$	110	  	

Average Paid Claim (in thousands)	  	$	66.2	  	  	$	58.7	  	 	$	67.9	  	 				  	$	60.2	  	 	$	63.9	  	 	$	63.4	  	 	$	66.4	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  	$	64.2	  	  	$	63.6	  	 	$	60.4	  	 				  	$	60.2	  	 	$	58.4	  	 	$	56.4	  	 	$	57.5	  	 				
	 									
Loss Metrics	  			 	  				 				 				  				 				 				 				 				
	 									
Beginning Reserves	  	$	106	  	  	$	108	  	 	$	106	  	 				  	$	100	  	 	$	96	  	 	$	107	  	 	$	108	  	 				
Paid claims (1)	  	 	(26	) 	  	 	(26	) 	 	 	(27	) 	 				  	 	(27	) 	 	 	(26	) 	 	 	(28	) 	 	 	(29	) 	 				
Increase in reserves	  	 	30	  	  	 	24	  	 	 	29	  	 				  	 	33	  	 	 	30	  	 	 	17	  	 	 	28	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	110	  	  	$	106	  	 	$	108	  	 				  	$	106	  	 	$	100	  	 	$	96	  	 	$	107	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount (2) 	  			 	  				 				 				  				 				 				 				 				
	 									
Over $550K	  	 	7	% 	  	 	6	% 	 	 	6	% 	 				  	 	6	% 	 	 	6	% 	 	 	5	% 	 	 	5	% 	 				
$400K to $550K	  	 	12	  	  	 	12	  	 	 	12	  	 				  	 	11	  	 	 	11	  	 	 	11	  	 	 	11	  	 				
$250K to $400K	  	 	33	  	  	 	33	  	 	 	33	  	 				  	 	33	  	 	 	32	  	 	 	32	  	 	 	32	  	 				
$100K to $250K	  	 	44	  	  	 	44	  	 	 	44	  	 				  	 	45	  	 	 	46	  	 	 	47	  	 	 	47	  	 				
$100K or Less	  	 	4	  	  	 	5	  	 	 	5	  	 				  	 	5	  	 	 	5	  	 	 	5	  	 	 	5	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				

Average Primary Loan Size (in thousands)	  	$	218	  	  	$	216	  	 	$	215	  	 				  	$	213	  	 	$	212	  	 	$	209	  	 	$	208	  	 				
										
Average Effective Loan-To-Value Ratios By Policy Year (3)	  				  				 				 				  				 				 				 				 				
										
2006 and prior	  	 	35	% 	  	 	35	% 	 	 	36	% 	 				  	 	36	% 	 	 	38	% 	 	 	39	% 	 	 	39	% 	 				
2007	  	 	60	% 	  	 	61	% 	 	 	61	% 	 				  	 	61	% 	 	 	64	% 	 	 	64	% 	 	 	65	% 	 				
2008	  	 	67	% 	  	 	68	% 	 	 	68	% 	 				  	 	68	% 	 	 	71	% 	 	 	71	% 	 	 	71	% 	 				
2009	  	 	65	% 	  	 	66	% 	 	 	66	% 	 				  	 	66	% 	 	 	69	% 	 	 	70	% 	 	 	70	% 	 				
2010	  	 	71	% 	  	 	73	% 	 	 	73	% 	 				  	 	73	% 	 	 	76	% 	 	 	77	% 	 	 	77	% 	 				
2011	  	 	75	% 	  	 	77	% 	 	 	77	% 	 				  	 	77	% 	 	 	80	% 	 	 	81	% 	 	 	81	% 	 				
2012	  	 	80	% 	  	 	82	% 	 	 	82	% 	 				  	 	82	% 	 	 	86	% 	 	 	86	% 	 	 	87	% 	 				
2013	  	 	84	% 	  	 	86	% 	 	 	86	% 	 				  	 	87	% 	 	 	90	% 	 	 	91	% 	 	 	91	% 	 				
2014	  	 	90	% 	  	 	92	% 	 	 	92	% 	 				  	 	92	% 	 	 	93	% 	 	 	93	% 	 	 	—  	% 	 				
2015	  	 	93	% 	  	 	93	% 	 	 	—  	% 	 				  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 				
Total Flow	  	 	55	% 	  	 	56	% 	 	 	56	% 	 				  	 	56	% 	 	 	57	% 	 	 	57	% 	 	 	57	% 	 				
										
Total Bulk	  	 	43	% 	  	 	42	% 	 	 	42	% 	 				  	 	42	% 	 	 	42	% 	 	 	41	% 	 	 	41	% 	 				
Total	  	 	52	% 	  	 	52	% 	 	 	52	% 	 				  	 	52	% 	 	 	53	% 	 	 	54	% 	 	 	54	% 	 				
All amounts presented in Canadian dollars.

(1)  	Paid claims exclude adjustments for expected recoveries related to loss reserves and prior paid claims.	
(2)  	The percentages in this table are based on the amount of primary insurance in-force in each loan band as a percentage of total insurance in-force.	
(3)  	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.	
 
27

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(dollar amounts in millions)

Primary Insurance	  	September 30, 2015	 	 	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	 	 	 	
Insured loans in-force	  	 	1,479,676	  	 	 	1,481,755	  	 	 	1,498,197	  	 	 	1,496,616	  	 	 	1,490,221	  	 				
Insured delinquent loans	  	 	5,804	  	 	 	5,900	  	 	 	5,378	  	 	 	4,953	  	 	 	5,300	  	 				
Insured delinquency rate	  	 	0.39	% 	 	 	0.40	% 	 	 	0.36	% 	 	 	0.33	% 	 	 	0.36	% 	 				
							
Flow loans in-force	  	 	1,364,537	  	 	 	1,364,653	  	 	 	1,382,156	  	 	 	1,378,584	  	 	 	1,370,136	  	 				
Flow delinquent loans	  	 	5,545	  	 	 	5,623	  	 	 	5,112	  	 	 	4,714	  	 	 	5,031	  	 				
Flow delinquency rate	  	 	0.41	% 	 	 	0.41	% 	 	 	0.37	% 	 	 	0.34	% 	 	 	0.37	% 	 				
							
Bulk loans in-force	  	 	115,139	  	 	 	117,102	  	 	 	116,041	  	 	 	118,032	  	 	 	120,085	  	 				
Bulk delinquent loans	  	 	259	  	 	 	277	  	 	 	266	  	 	 	239	  	 	 	269	  	 				
Bulk delinquency rate	  	 	0.22	% 	 	 	0.24	% 	 	 	0.23	% 	 	 	0.20	% 	 	 	0.22	% 	 				
							
Loss Metrics	  	September 30, 2015	 	 	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	 	 	 	
Beginning Reserves	  	$	160	  	 	$	149	  	 	$	152	  	 	$	161	  	 	$	171	  	 				
Paid claims (1)	  	 	(16	) 	 	 	(15	) 	 	 	(14	) 	 	 	(14	) 	 	 	(19	) 	 				
Increase in reserves	  	 	27	  	 	 	25	  	 	 	21	  	 	 	15	  	 	 	22	  	 				
Impact of changes in foreign exchange rates	  	 	(15	) 	 	 	1	  	 	 	(10	) 	 	 	(10	) 	 	 	(13	) 	 				
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	156	  	 	$	160	  	 	$	149	  	 	$	152	  	 	$	161	  	 				

 	  	September 30, 2015	 	 	June 30, 2015	 	 	September 30, 2014	 	
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	  	 	29	% 	 	 	0.30	% 	 	 	29	% 	 	 	0.30	% 	 	 	29	% 	 	 	0.30%	  	
Queensland	  	 	23	  	 	 	0.57	% 	 	 	23	  	 	 	0.57	% 	 	 	23	  	 	 	0.49%	  	
Victoria	  	 	23	  	 	 	0.35	% 	 	 	23	  	 	 	0.34	% 	 	 	23	  	 	 	0.32%	  	
Western Australia	  	 	11	  	 	 	0.45	% 	 	 	11	  	 	 	0.45	% 	 	 	11	  	 	 	0.34%	  	
South Australia	  	 	6	  	 	 	0.50	% 	 	 	6	  	 	 	0.52	% 	 	 	6	  	 	 	0.43%	  	
Australian Capital Territory	  	 	3	  	 	 	0.15	% 	 	 	3	  	 	 	0.14	% 	 	 	3	  	 	 	0.13%	  	
Tasmania	  	 	2	  	 	 	0.31	% 	 	 	2	  	 	 	0.35	% 	 	 	2	  	 	 	0.31%	  	
New Zealand	  	 	2	  	 	 	0.23	% 	 	 	2	  	 	 	0.27	% 	 	 	2	  	 	 	0.26%	  	
Northern Territory	  	 	1	  	 	 	0.21	% 	 	 	1	  	 	 	0.24	% 	 	 	1	  	 	 	0.21%	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.39	% 	 	 	100	% 	 	 	0.40	% 	 	 	100	% 	 	 	0.36%	  	

By Policy Year	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
2006 and prior	  	 	29	% 	 	 	0.24	% 	 	 	30	% 	 	 	0.25	% 	 	 	32	% 	 	 	0.22%	  	
2007	  	 	7	  	 	 	0.74	% 	 	 	7	  	 	 	0.78	% 	 	 	8	  	 	 	0.68%	  	
2008	  	 	7	  	 	 	0.93	% 	 	 	7	  	 	 	0.97	% 	 	 	8	  	 	 	0.93%	  	
2009	  	 	8	  	 	 	0.75	% 	 	 	8	  	 	 	0.73	% 	 	 	9	  	 	 	0.70%	  	
2010	  	 	6	  	 	 	0.44	% 	 	 	6	  	 	 	0.45	% 	 	 	7	  	 	 	0.38%	  	
2011	  	 	6	  	 	 	0.46	% 	 	 	7	  	 	 	0.46	% 	 	 	7	  	 	 	0.41%	  	
2012	  	 	9	  	 	 	0.51	% 	 	 	9	  	 	 	0.49	% 	 	 	10	  	 	 	0.33%	  	
2013	  	 	10	  	 	 	0.37	% 	 	 	10	  	 	 	0.32	% 	 	 	11	  	 	 	0.15%	  	
2014	  	 	11	  	 	 	0.16	% 	 	 	11	  	 	 	0.12	% 	 	 	8	  	 	 	0.01%	  	
2015	  	 	7	  	 	 	0.01	% 	 	 	5	  	 	 	—  	% 	 	 	—  	  	 	 	—  %	  	
	  	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total	  	 	100	% 	 	 	0.39	% 	 	 	100	% 	 	 	0.40	% 	 	 	100	% 	 	 	0.36%	  	

(1)  	Paid claims exclude adjustments for expected recoveries related to loss reserves and prior paid claims.	
 
28

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment—Australia
(Australian dollar amounts in millions)

 	  	2015	 	  	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	  	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims (1)	  			 	  				 				 				  				 				 				 				 				
Flow	  	$	21	  	  	$	19	  	 	$	17	  	 	$	57	  	  	$	15	  	 	$	20	  	 	$	25	  	 	$	30	  	 	$	90	  	
Bulk	  	 	—  	  	  	 	—  	  	 	 	1	  	 	 	1	  	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	21	  	  	$	19	  	 	$	18	  	 	$	58	  	  	$	15	  	 	$	21	  	 	$	25	  	 	$	30	  	 	$	91	  	

Average Paid Claim (in thousands)	  	$	65.9	  	  	$	66.9	  	 	$	62.5	  	 				  	$	49.5	  	 	$	58.6	  	 	$	60.5	  	 	$	65.1	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  	$	38.3	  	  	$	35.2	  	 	$	36.4	  	 				  	$	37.6	  	 	$	34.8	  	 	$	33.6	  	 	$	35.7	  	 				
	 									
Loss Metrics	  			 	  				 				 				  				 				 				 				 				
Beginning Reserves	  	$	208	  	  	$	196	  	 	$	186	  	 				  	$	184	  	 	$	181	  	 	$	181	  	 	$	192	  	 				
Paid claims (1)	  	 	(21	) 	  	 	(19	) 	 	 	(18	) 	 				  	 	(15	) 	 	 	(21	) 	 	 	(25	) 	 	 	(30	) 	 				
Increase in reserves	  	 	35	  	  	 	31	  	 	 	28	  	 				  	 	17	  	 	 	24	  	 	 	25	  	 	 	19	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Ending Reserves	  	$	222	  	  	$	208	  	 	$	196	  	 				  	$	186	  	 	$	184	  	 	$	181	  	 	$	181	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Loan Amount (2)	  			 	  				 				 				  				 				 				 				 				
Over $550K	  	 	15	% 	  	 	14	% 	 	 	13	% 	 				  	 	13	% 	 	 	13	% 	 	 	12	% 	 	 	12	% 	 				
$400K to $550K	  	 	19	  	  	 	19	  	 	 	19	  	 				  	 	18	  	 	 	18	  	 	 	18	  	 	 	18	  	 				
$250K to $400K	  	 	36	  	  	 	36	  	 	 	37	  	 				  	 	37	  	 	 	37	  	 	 	37	  	 	 	37	  	 				
$100K to $250K	  	 	25	  	  	 	25	  	 	 	26	  	 				  	 	26	  	 	 	26	  	 	 	27	  	 	 	27	  	 				
$100K or Less	  	 	5	  	  	 	6	  	 	 	5	  	 				  	 	6	  	 	 	6	  	 	 	6	  	 	 	6	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	100	% 	  	 	100	% 	 	 	100	% 	 				  	 	100	% 	 	 	100	% 	 	 	100	% 	 	 	100	% 	 				

Average Primary Loan Size (in thousands)	  	$	216	  	  	$	213	  	 	$	211	  	 				  	$	210	  	 	$	208	  	 	$	207	  	 	$	205	  	 				
										
Average Effective Loan-To-Value Ratios By Policy Year (3)	  				  				 				 				  				 				 				 				 				
										
2006 and prior	  	 	34	% 	  	 	35	% 	 	 	36	% 	 				  	 	36	% 	 	 	38	% 	 	 	38	% 	 	 	40	% 	 				
2007	  	 	55	% 	  	 	56	% 	 	 	57	% 	 				  	 	58	% 	 	 	60	% 	 	 	61	% 	 	 	63	% 	 				
2008	  	 	62	% 	  	 	63	% 	 	 	65	% 	 				  	 	66	% 	 	 	67	% 	 	 	68	% 	 	 	70	% 	 				
2009	  	 	64	% 	  	 	65	% 	 	 	67	% 	 				  	 	68	% 	 	 	69	% 	 	 	70	% 	 	 	73	% 	 				
2010	  	 	68	% 	  	 	70	% 	 	 	72	% 	 				  	 	73	% 	 	 	74	% 	 	 	76	% 	 	 	78	% 	 				
2011	  	 	70	% 	  	 	72	% 	 	 	73	% 	 				  	 	74	% 	 	 	76	% 	 	 	77	% 	 	 	80	% 	 				
2012	  	 	71	% 	  	 	72	% 	 	 	74	% 	 				  	 	75	% 	 	 	77	% 	 	 	78	% 	 	 	80	% 	 				
2013	  	 	75	% 	  	 	76	% 	 	 	78	% 	 				  	 	79	% 	 	 	81	% 	 	 	82	% 	 	 	84	% 	 				
2014	  	 	82	% 	  	 	84	% 	 	 	85	% 	 				  	 	86	% 	 	 	87	% 	 	 	87	% 	 	 	—  	% 	 				
2015	  	 	87	% 	  	 	87	% 	 	 	—  	% 	 				  	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 	 	—  	% 	 				
Total Flow	  	 	59	% 	  	 	59	% 	 	 	60	% 	 				  	 	60	% 	 	 	61	% 	 	 	61	% 	 	 	62	% 	 				
										
Total Bulk	  	 	27	% 	  	 	26	% 	 	 	27	% 	 				  	 	28	% 	 	 	28	% 	 	 	29	% 	 	 	30	% 	 				
Total	  	 	56	% 	  	 	56	% 	 	 	56	% 	 				  	 	57	% 	 	 	58	% 	 	 	58	% 	 	 	59	% 	 				
All amounts presented in Australian dollars.

(1)  	Paid claims exclude adjustments for expected recoveries related to loss reserves and prior paid claims.	
(2)  	The percentages in this table are based on the amount of primary insurance in-force in each loan band as a percentage of total insurance in-force.	
(3)  	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. All data used in the effective loan-to-value ratio calculation reflects conditions as of the end of the previous quarter. Effective loan-to-value ratios exclude New Zealand and inward reinsurance policies.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Selected Key Performance Measures—International Mortgage Insurance Segment
(amounts in millions)

Risk In-Force by Loan-To-Value Ratio (1) 	  	September 30, 2015	 	  	June 30, 2015	 	
 	  	Primary	 	  	Flow	 	  	Bulk	 	  	Primary	 	  	Flow	 	  	Bulk	 	
Canada	  				  				  				  				  				  				
95.01% and above	  	$	35,931	  	  	$	35,931	  	  	$	—  	  	  	$	37,068	  	  	$	37,068	  	  	$	—  	  	
90.01% to 95.00%	  	 	22,766	  	  	 	22,766	  	  	 	—  	  	  	 	23,753	  	  	 	23,753	  	  	 	—  	  	
80.01% to 90.00%	  	 	13,978	  	  	 	13,975	  	  	 	3	  	  	 	14,714	  	  	 	14,711	  	  	 	3	  	
80.00% and below	  	 	29,541	  	  	 	2,790	  	  	 	26,751	  	  	 	29,767	  	  	 	2,922	  	  	 	26,845	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Canada	  	$	102,216	  	  	$	75,462	  	  	$	26,754	  	  	$	105,302	  	  	$	78,454	  	  	$	26,848	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Australia	  				  				  				  				  				  				
95.01% and above	  	$	14,697	  	  	$	14,697	  	  	$	—  	  	  	$	16,261	  	  	$	16,261	  	  	$	—  	  	
90.01% to 95.00%	  	 	19,883	  	  	 	19,877	  	  	 	6	  	  	 	21,496	  	  	 	21,489	  	  	 	7	  	
80.01% to 90.00%	  	 	20,522	  	  	 	20,460	  	  	 	62	  	  	 	22,200	  	  	 	22,131	  	  	 	69	  	
80.00% and below	  	 	23,323	  	  	 	17,872	  	  	 	5,451	  	  	 	25,376	  	  	 	19,267	  	  	 	6,109	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Australia	  	$	78,425	  	  	$	72,906	  	  	$	5,519	  	  	$	85,333	  	  	$	79,148	  	  	$	6,185	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Other Countries (2)	  				  				  				  				  				  				
95.01% and above	  	$	476	  	  	$	476	  	  	$	—  	  	  	$	479	  	  	$	479	  	  	$	—  	  	
90.01% to 95.00%	  	 	1,139	  	  	 	1,097	  	  	 	42	  	  	 	1,134	  	  	 	1,087	  	  	 	47	  	
80.01% to 90.00%	  	 	555	  	  	 	361	  	  	 	194	  	  	 	575	  	  	 	359	  	  	 	216	  	
80.00% and below	  	 	143	  	  	 	117	  	  	 	26	  	  	 	146	  	  	 	117	  	  	 	29	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total Other Countries	  	$	2,313	  	  	$	2,051	  	  	$	262	  	  	$	2,333	  	  	$	2,041	  	  	$	292	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
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 $320 million and $300 million, respectively, of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2015 and June 30, 2015.	
 
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U.S. Mortgage Insurance Segment
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Net Operating Income (Loss) and Sales—U.S. Mortgage Insurance Segment
(amounts in millions)

 	    	2015	 	  	2014	 	
 	    	3Q	 	  	2Q	 	  	1Q	 	  	Total	 	  	4Q	 	  	3Q	 	  	2Q	 	  	1Q	 	  	Total	 	
REVENUES:	    			 	  				  				  				  				  				  				  				  				
Premiums	    	$	146	  	  	$	153	  	  	$	150	  	  	$	449	  	  	$	151	  	  	$	146	  	  	$	144	  	  	$	137	  	  	$	578	  	
Net investment income	    	 	12	  	  	 	13	  	  	 	19	  	  	 	44	  	  	 	11	  	  	 	19	  	  	 	11	  	  	 	18	  	  	 	59	  	
Net investment gains (losses)	    	 	1	  	  	 	—  	  	  	 	—  	  	  	 	1	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
Insurance and investment product fees and other	    	 	2	  	  	 	—  	  	  	 	1	  	  	 	3	  	  	 	1	  	  	 	—  	  	  	 	1	  	  	 	—  	  	  	 	2	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total revenues	    	 	161	  	  	 	166	  	  	 	170	  	  	 	497	  	  	 	163	  	  	 	165	  	  	 	156	  	  	 	155	  	  	 	639	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
BENEFITS AND EXPENSES:	    			 	  				  				  				  				  				  				  				  				
Benefits and other changes in policy reserves	    	 	63	  	  	 	50	  	  	 	50	  	  	 	163	  	  	 	91	  	  	 	141	  	  	 	62	  	  	 	63	  	  	 	357	  	
Acquisition and operating expenses, net of deferrals	    	 	38	  	  	 	38	  	  	 	37	  	  	 	113	  	  	 	38	  	  	 	35	  	  	 	34	  	  	 	33	  	  	 	140	  	
Amortization of deferred acquisition costs and intangibles	    	 	3	  	  	 	2	  	  	 	2	  	  	 	7	  	  	 	2	  	  	 	1	  	  	 	2	  	  	 	2	  	  	 	7	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total benefits and expenses	    	 	104	  	  	 	90	  	  	 	89	  	  	 	283	  	  	 	131	  	  	 	177	  	  	 	98	  	  	 	98	  	  	 	504	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	    	 	57	  	  	 	76	  	  	 	81	  	  	 	214	  	  	 	32	  	  	 	(12	) 	  	 	58	  	  	 	57	  	  	 	135	  	
Provision (benefit) for income taxes	    	 	20	  	  	 	27	  	  	 	29	  	  	 	76	  	  	 	11	  	  	 	(10	) 	  	 	19	  	  	 	24	  	  	 	44	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	    	 	37	  	  	 	49	  	  	 	52	  	  	 	138	  	  	 	21	  	  	 	(2	) 	  	 	39	  	  	 	33	  	  	 	91	  	
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	    			 	  				  				  				  				  				  				  				  				
Net investment (gains) losses, net	    	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
NET OPERATING INCOME (LOSS)	    	$	37	  	  	$	49	  	  	$	52	  	  	$	138	  	  	$	21	  	  	$	(2	) 	  	$	39	  	  	$	33	  	  	$	91	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Effective tax rate (operating income (loss))	    	 	35.4	% 	  	 	35.6	% 	  	 	35.7	% 	  	 	35.6	% 	  	 	32.5	% 	  	 	80.1	% 	  	 	32.4	% 	  	 	42.0	% 	  	 	32.2	% 	
										
SALES:	    				  				  				  				  				  				  				  				  				
New Insurance Written (NIW)	    				  				  				  				  				  				  				  				  				
Flow	    	$	9,300	  	  	$	8,200	  	  	$	6,300	  	  	$	23,800	  	  	$	6,900	  	  	$	7,500	  	  	$	6,100	  	  	$	3,900	  	  	$	24,400	  	
Bulk	    	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	  	 	—  	  	
	    	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	
Total U.S. Mortgage Insurance NIW	    	$	9,300	  	  	$	8,200	  	  	$	6,300	  	  	$	23,800	  	  	$	6,900	  	  	$	7,500	  	  	$	6,100	  	  	$	3,900	  	  	$	24,400	  	

 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Flow New Insurance Written Metrics—U.S. Mortgage Insurance Segment
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	
 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	 	Flow
NIW	 	 	Premium
Rate (bps)	 	
Product	 				 			 	 				 				 				 				 				 				 				 				 				 				 				 				
Monthly (1)	 	$	7,000	  	 	 	60	  	 	$	6,500	  	 	 	60	  	 	$	4,400	  	 	 	60	  	 	$	5,100	  	 	 	60	  	 	$	6,100	  	 	 	59	  	 	$	5,300	  	 	 	59	  	 	$	3,400	  	 	 	58	  	
Single	 	 	2,300	  	 	 	171	  	 	 	1,700	  	 	 	172	  	 	 	1,900	  	 	 	160	  	 	 	1,800	  	 	 	155	  	 	 	1,400	  	 	 	194	  	 	 	800	  	 	 	197	  	 	 	500	  	 	 	200	  	
	 	 	 	 	 			 	 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				 	 	 	 	 				
Total Flow	 	$	9,300	  	 			 	 	$	8,200	  	 				 	$	6,300	  	 				 	$	6,900	  	 				 	$	7,500	  	 				 	$	6,100	  	 				 	$	3,900	  	 				

 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	 	Flow
NIW	 	 	% of
Flow NIW	 	
FICO Scores	 				 			 	 				 				 				 				 				 				 				 				 				 				 				 				
Over 735	 	$	5,500	  	 	 	59	% 	 	$	5,000	  	 	 	61	% 	 	$	3,700	  	 	 	59	% 	 	$	4,100	  	 	 	59	% 	 	$	4,400	  	 	 	59	% 	 	$	3,600	  	 	 	59	% 	 	$	2,400	  	 	 	61	% 	
680—735	 	 	3,000	  	 	 	32	  	 	 	2,500	  	 	 	30	  	 	 	2,100	  	 	 	33	  	 	 	2,200	  	 	 	32	  	 	 	2,400	  	 	 	32	  	 	 	2,000	  	 	 	33	  	 	 	1,200	  	 	 	31	  	
660—679 (2)	 	 	500	  	 	 	6	  	 	 	400	  	 	 	5	  	 	 	300	  	 	 	5	  	 	 	300	  	 	 	5	  	 	 	400	  	 	 	5	  	 	 	300	  	 	 	5	  	 	 	200	  	 	 	5	  	
620—659	 	 	300	  	 	 	3	  	 	 	300	  	 	 	4	  	 	 	200	  	 	 	3	  	 	 	300	  	 	 	4	  	 	 	300	  	 	 	4	  	 	 	200	  	 	 	3	  	 	 	100	  	 	 	3	  	
<620	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	 	$	9,300	  	 	 	100	% 	 	$	8,200	  	 	 	100	% 	 	$	6,300	  	 	 	100	% 	 	$	6,900	  	 	 	100	% 	 	$	7,500	  	 	 	100	% 	 	$	6,100	  	 	 	100	% 	 	$	3,900	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loan-To-Value Ratio	 				 			 	 				 				 				 				 				 				 				 				 				 				 				 				
95.01% and above	 	$	500	  	 	 	5	% 	 	$	400	  	 	 	5	% 	 	$	300	  	 	 	5	% 	 	$	100	  	 	 	2	% 	 	$	200	  	 	 	3	% 	 	$	100	  	 	 	2	% 	 	$	100	  	 	 	3	% 	
90.01% to 95.00%	 	 	4,900	  	 	 	53	  	 	 	4,200	  	 	 	51	  	 	 	3,100	  	 	 	49	  	 	 	3,500	  	 	 	51	  	 	 	3,900	  	 	 	52	  	 	 	3,300	  	 	 	54	  	 	 	1,900	  	 	 	49	  	
85.01% to 90.00%	 	 	3,000	  	 	 	32	  	 	 	2,600	  	 	 	32	  	 	 	2,000	  	 	 	32	  	 	 	2,300	  	 	 	33	  	 	 	2,400	  	 	 	32	  	 	 	1,900	  	 	 	31	  	 	 	1,300	  	 	 	33	  	
85.00% and below	 	 	900	  	 	 	10	  	 	 	1,000	  	 	 	12	  	 	 	900	  	 	 	14	  	 	 	1,000	  	 	 	14	  	 	 	1,000	  	 	 	13	  	 	 	800	  	 	 	13	  	 	 	600	  	 	 	15	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	 	$	9,300	  	 	 	100	% 	 	$	8,200	  	 	 	100	% 	 	$	6,300	  	 	 	100	% 	 	$	6,900	  	 	 	100	% 	 	$	7,500	  	 	 	100	% 	 	$	6,100	  	 	 	100	% 	 	$	3,900	  	 	 	100	% 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Origination	 				 			 	 				 				 				 				 				 				 				 				 				 				 				 				
Purchase	 	$	8,100	  	 	 	87	% 	 	$	6,500	  	 	 	79	% 	 	$	4,300	  	 	 	68	% 	 	$	5,300	  	 	 	77	% 	 	$	6,400	  	 	 	85	% 	 	$	5,100	  	 	 	84	% 	 	$	3,000	  	 	 	77	% 	
Refinance	 	 	1,200	  	 	 	13	  	 	 	1,700	  	 	 	21	  	 	 	2,000	  	 	 	32	  	 	 	1,600	  	 	 	23	  	 	 	1,100	  	 	 	15	  	 	 	1,000	  	 	 	16	  	 	 	900	  	 	 	23	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	 	$	9,300	  	 	 	100	% 	 	$	8,200	  	 	 	100	% 	 	$	6,300	  	 	 	100	% 	 	$	6,900	  	 	 	100	% 	 	$	7,500	  	 	 	100	% 	 	$	6,100	  	 	 	100	% 	 	$	3,900	  	 	 	100	% 	

 

(1)  	Includes loans with annual and split payment types.	
(2)  	Loans with unknown FICO scores are included in the 660-679 category.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Other Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net Premiums Written	  	$	171	  	  	$	170	  	 	$	170	  	 	$	511	  	 	$	171	  	 	$	162	  	 	$	151	  	 	$	144	  	 	$	628	  	
	 									
New Risk Written	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	2,364	  	  	$	2,040	  	 	$	1,557	  	 	$	5,961	  	 	$	1,703	  	 	$	1,878	  	 	$	1,521	  	 	$	960	  	 	$	6,062	  	
Bulk	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	2,364	  	  	 	2,040	  	 	 	1,557	  	 	 	5,961	  	 	 	1,703	  	 	 	1,878	  	 	 	1,521	  	 	 	960	  	 	 	6,062	  	
Pool	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total New Risk Written	  	$	2,364	  	  	$	2,040	  	 	$	1,557	  	 	$	5,961	  	 	$	1,703	  	 	$	1,878	  	 	$	1,521	  	 	$	960	  	 	$	6,062	  	

Primary Insurance In-Force	  	$	120,400	  	  	$	117,100	  	 	$	115,200	  	 				 	$	114,400	  	 	$	112,400	  	 	$	110,500	  	 	$	109,100	  	 				
	 									
Risk In-Force	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	30,001	  	  	$	29,026	  	 	$	28,415	  	 				 	$	28,112	  	 	$	27,507	  	 	$	26,880	  	 	$	26,405	  	 				
Bulk (1)	  	 	349	  	  	 	360	  	 	 	387	  	 				 	 	402	  	 	 	419	  	 	 	434	  	 	 	442	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Primary	  	 	30,350	  	  	 	29,386	  	 	 	28,802	  	 				 	 	28,514	  	 	 	27,926	  	 	 	27,314	  	 	 	26,847	  	 				
Pool	  	 	129	  	  	 	137	  	 	 	142	  	 				 	 	151	  	 	 	159	  	 	 	163	  	 	 	171	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Risk In-Force	  	$	30,479	  	  	$	29,523	  	 	$	28,944	  	 				 	$	28,665	  	 	$	28,085	  	 	$	27,477	  	 	$	27,018	  	 				

Primary Risk In-Force That Is GSE Conforming	  	 	97	% 	  	 	97	% 	 	 	97	% 	 				 	 	97	% 	 	 	97	% 	 	 	97	% 	 	 	97	% 	 				
	 									
GAAP Basis Expense Ratio (2)	  	 	28	% 	  	 	26	% 	 	 	26	% 	 	 	27	% 	 	 	26	% 	 	 	25	% 	 	 	25	% 	 	 	25	% 	 	 	25	% 	
	 									
Adjusted Expense Ratio (3)	  	 	24	% 	  	 	23	% 	 	 	23	% 	 	 	23	% 	 	 	23	% 	 	 	23	% 	 	 	23	% 	 	 	24	% 	 	 	23	% 	
	 									
Flow Persistency	  	 	80	% 	  	 	79	% 	 	 	81	% 	 				 	 	83	% 	 	 	80	% 	 	 	83	% 	 	 	85	% 	 				
	 									
Risk To Capital Ratio (4)	  	 	14.3:1	  	  	 	13.7:1	  	 	 	14.1:1	  	 				 	 	14.5:1	  	 	 	15.4:1	  	 	 	14.6:1	  	 	 	18.7:1	  	 				
	 									
Average Primary Loan Size (in thousands)	  	$	186	  	  	$	184	  	 	$	182	  	 				 	$	181	  	 	$	180	  	 	$	178	  	 	$	176	  	 				
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 September 30, 2015, 87% 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 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.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Loss Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Paid Claims	  			 	  				 				 				 				 				 				 				 				
Flow	  			 	  				 				 				 				 				 				 				 				
Direct	  	$	98	  	  	$	131	  	 	$	130	  	 	$	359	  	 	$	142	  	 	$	148	  	 	$	148	  	 	$	178	  	 	$	616	  	
Assumed (1)	  	 	3	  	  	 	4	  	 	 	5	  	 	 	12	  	 	 	3	  	 	 	4	  	 	 	6	  	 	 	6	  	 	 	19	  	
Ceded	  	 	—  	  	  	 	(1	) 	 	 	(16	) 	 	 	(17	) 	 	 	(4	) 	 	 	(3	) 	 	 	(4	) 	 	 	(15	) 	 	 	(26	) 	
Loss adjustment expenses	  	 	3	  	  	 	3	  	 	 	4	  	 	 	10	  	 	 	4	  	 	 	4	  	 	 	4	  	 	 	5	  	 	 	17	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Flow	  	 	104	  	  	 	137	  	 	 	123	  	 	 	364	  	 	 	145	  	 	 	153	  	 	 	154	  	 	 	174	  	 	 	626	  	
Bulk	  	 	1	  	  	 	2	  	 	 	2	  	 	 	5	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	8	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Primary	  	 	105	  	  	 	139	  	 	 	125	  	 	 	369	  	 	 	147	  	 	 	155	  	 	 	156	  	 	 	176	  	 	 	634	  	
Pool	  	 	—  	  	  	 	1	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	5	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Paid Claims	  	$	105	  	  	$	140	  	 	$	126	  	 	$	371	  	 	$	149	  	 	$	156	  	 	$	157	  	 	$	177	  	 	$	639	  	

Average Paid Claim (in thousands)	  	$	54.0	  	  	$	50.8	  	 	$	46.5	  	 				 	$	46.6	  	 	$	47.6	  	 	$	47.2	  	 	$	43.6	  	 				
	 									
Average Reserve Per Delinquency (in thousands)	  			 	  				 				 				 				 				 				 				 				
Flow	  	$	29.4	  	  	$	30.6	  	 	$	31.0	  	 				 	$	30.2	  	 	$	30.7	  	 	$	30.0	  	 	$	30.3	  	 				
Bulk loans with established reserve	  	 	20.0	  	  	 	21.5	  	 	 	21.2	  	 				 	 	20.4	  	 	 	20.5	  	 	 	22.5	  	 	 	19.2	  	 				
Bulk loans with no reserve (2)	  	 	—  	  	  	 	—  	  	 	 	—  	  	 				 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 				
	 									
Reserves:	  			 	  				 				 				 				 				 				 				 				
Flow direct case	  	$	870	  	  	$	909	  	 	$	992	  	 				 	$	1,065	  	 	$	1,122	  	 	$	1,083	  	 	$	1,172	  	 				
Bulk direct case	  	 	17	  	  	 	18	  	 	 	20	  	 				 	 	21	  	 	 	22	  	 	 	24	  	 	 	25	  	 				
Assumed (1)	  	 	9	  	  	 	12	  	 	 	15	  	 				 	 	21	  	 	 	21	  	 	 	24	  	 	 	29	  	 				
All other (3)	  	 	57	  	  	 	57	  	 	 	60	  	 				 	 	73	  	 	 	74	  	 	 	125	  	 	 	129	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Reserves	  	$	953	  	  	$	996	  	 	$	1,087	  	 				 	$	1,180	  	 	$	1,239	  	 	$	1,256	  	 	$	1,355	  	 				

Beginning Reserves	  	$	996	  	  	$	1,087	  	 	$	1,180	  	 	$	1,180	  	 	$	1,239	  	 	$	1,256	  	 	$	1,355	  	 	$	1,482	  	 	$	1,482	  	
Paid claims	  	 	(105	) 	  	 	(141	) 	 	 	(142	) 	 	 	(388	) 	 	 	(153	) 	 	 	(158	) 	 	 	(162	) 	 	 	(192	) 	 	 	(665	) 	
Increase in reserves	  	 	62	  	  	 	50	  	 	 	49	  	 	 	161	  	 	 	94	  	 	 	141	  	 	 	63	  	 	 	65	  	 	 	363	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reserves	  	$	953	  	  	$	996	  	 	$	1,087	  	 	$	953	  	 	$	1,180	  	 	$	1,239	  	 	$	1,256	  	 	$	1,355	  	 	$	1,180	  	

Beginning Reinsurance Recoverable (4)	  	$	6	  	  	$	7	  	 	$	24	  	 	$	24	  	 	$	25	  	 	$	27	  	 	$	31	  	 	$	44	  	 	$	44	  	
Ceded paid claims	  	 	—  	  	  	 	(1	) 	 	 	(16	) 	 	 	(17	) 	 	 	(4	) 	 	 	(2	) 	 	 	(5	) 	 	 	(15	) 	 	 	(26	) 	
Increase in recoverable	  	 	—  	  	  	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	3	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	6	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Reinsurance Recoverable	  	$	6	  	  	$	6	  	 	$	7	  	 	$	6	  	 	$	24	  	 	$	25	  	 	$	27	  	 	$	31	  	 	$	24	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Loss Ratio (5)	  	 	43	% 	  	 	33	% 	 	 	33	% 	 	 	36	% 	 	 	61	% 	 	 	97	% 	 	 	43	% 	 	 	46	% 	 	 	62	% 	
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)  	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.	
(3)  	Other includes loss adjustment expenses, pool and incurred but not reported reserves.	
(4)  	Reinsurance recoverable excludes ceded unearned premium recoveries and amounts for which cash proceeds have not yet been received.	
(5)  	The ratio of incurred losses and loss adjustment expenses to net earned premiums. Lender settlements of $53 million in the third quarter of 2014 increased the loss ratio by 37 percentage points and 9 percentage points for the three months ended September 30, 2014 and the twelve months ended December 31, 2014, respectively.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Delinquency Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Number of Primary Delinquencies	  			 	  				 				 				 				 				 				 				 				
Flow	  	 	31,678	  	  	 	31,876	  	 	 	34,220	  	 				 	 	38,177	  	 	 	39,485	  	 	 	40,897	  	 	 	43,733	  	 				
Bulk loans with an established reserve	  	 	917	  	  	 	908	  	 	 	984	  	 				 	 	1,109	  	 	 	1,147	  	 	 	1,147	  	 	 	1,434	  	 				
Bulk loans with no reserve (1)	  	 	394	  	  	 	415	  	 	 	461	  	 				 	 	500	  	 	 	515	  	 	 	561	  	 	 	694	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total Number of Primary Delinquencies	  	 	32,989	  	  	 	33,199	  	 	 	35,665	  	 				 	 	39,786	  	 	 	41,147	  	 	 	42,605	  	 	 	45,861	  	 				

Beginning Number of Primary Delinquencies	  	 	33,199	  	  	 	35,665	  	 	 	39,786	  	 	 	39,786	  	 	 	41,147	  	 	 	42,605	  	 	 	45,861	  	 	 	51,459	  	 	 	51,459	  	
New delinquencies	  	 	10,192	  	  	 	9,061	  	 	 	9,554	  	 	 	28,807	  	 	 	10,826	  	 	 	11,574	  	 	 	10,568	  	 	 	12,100	  	 	 	45,068	  	
Delinquency cures	  	 	(8,484	) 	  	 	(8,800	) 	 	 	(10,988	) 	 	 	(28,272	) 	 	 	(9,030	) 	 	 	(9,790	) 	 	 	(10,545	) 	 	 	(13,678	) 	 	 	(43,043	) 	
Paid claims	  	 	(1,918	) 	  	 	(2,727	) 	 	 	(2,687	) 	 	 	(7,332	) 	 	 	(3,157	) 	 	 	(3,242	) 	 	 	(3,279	) 	 	 	(4,020	) 	 	 	(13,698	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Ending Number of Primary Delinquencies	  	 	32,989	  	  	 	33,199	  	 	 	35,665	  	 	 	32,989	  	 	 	39,786	  	 	 	41,147	  	 	 	42,605	  	 	 	45,861	  	 	 	39,786	  	

Composition of Cures	  			 	  				 				 				 				 				 				 				 				
Reported delinquent and cured-intraquarter	  	 	1,805	  	  	 	1,658	  	 	 	2,271	  	 				 	 	1,434	  	 	 	2,093	  	 	 	1,993	  	 	 	3,141	  	 				
Number of missed payments delinquent prior to cure:	  			 	  				 				 				 				 				 				 				 				
3 payments or less	  	 	4,630	  	  	 	4,260	  	 	 	6,112	  	 				 	 	5,340	  	 	 	5,202	  	 	 	5,335	  	 	 	7,252	  	 				
4 - 11 payments	  	 	1,487	  	  	 	2,250	  	 	 	1,912	  	 				 	 	1,613	  	 	 	1,772	  	 	 	2,253	  	 	 	2,391	  	 				
12 payments or more	  	 	562	  	  	 	632	  	 	 	693	  	 				 	 	643	  	 	 	723	  	 	 	964	  	 	 	894	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Total	  	 	8,484	  	  	 	8,800	  	 	 	10,988	  	 				 	 	9,030	  	 	 	9,790	  	 	 	10,545	  	 	 	13,678	  	 				

Primary Delinquencies by Missed Payment Status	  			 	  				 				 				 				 				 				 				 				
3 payments or less	  	 	10,226	  	  	 	9,432	  	 	 	9,271	  	 				 	 	11,318	  	 	 	11,478	  	 	 	11,228	  	 	 	11,351	  	 				
4 - 11 payments	  	 	7,376	  	  	 	7,824	  	 	 	9,086	  	 				 	 	9,684	  	 	 	9,610	  	 	 	9,913	  	 	 	11,463	  	 				
12 payments or more	  	 	15,387	  	  	 	15,943	  	 	 	17,308	  	 				 	 	18,784	  	 	 	20,059	  	 	 	21,464	  	 	 	23,047	  	 				
	  	 	 	 	  	 	 	 	 	 	 	 	 				 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 				
Primary Delinquencies	  	 	32,989	  	  	 	33,199	  	 	 	35,665	  	 				 	 	39,786	  	 	 	41,147	  	 	 	42,605	  	 	 	45,861	  	 				

							
 	  	September 30, 2015	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
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	  	 	9,822	  	  	$	63	  	 	$	395	  	 	 	16	% 	 				 				 				 				 				
4 - 11 payments in default	  	 	7,187	  	  	 	183	  	 	 	298	  	 	 	61	% 	 				 				 				 				 				
12 payments or more in default	  	 	14,669	  	  	 	624	  	 	 	724	  	 	 	86	% 	 				 				 				 				 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 				 				 				 				
Total	  	 	31,678	  	  	$	870	  	 	$	1,417	  	 	 	61	% 	 				 				 				 				 				

 	  	December 31, 2014	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
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	  	 	10,849	  	  	$	76	  	 	$	426	  	 	 	18	% 	 				 				 				 				 				
4 - 11 payments in default	  	 	9,368	  	  	 	238	  	 	 	383	  	 	 	62	% 	 				 				 				 				 				
12 payments or more in default	  	 	17,960	  	  	 	751	  	 	 	895	  	 	 	84	% 	 				 				 				 				 				
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 				 				 				 				 				
Total	  	 	38,177	  	  	$	1,065	  	 	$	1,704	  	 	 	63	% 	 				 				 				 				 				

(1)  	Reserves were not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.	
(2)  	Direct flow case reserves exclude loss adjustment expenses, incurred but not reported and reinsurance reserves.	
 
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Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	
Primary Loans	 			 	 				 				 				 				 				 				
Primary loans in-force	 	 	647,126	  	 	 	636,640	  	 	 	631,591	  	 	 	630,852	  	 	 	624,850	  	 	 	620,415	  	 	 	618,442	  	
Primary delinquent loans	 	 	32,989	  	 	 	33,199	  	 	 	35,665	  	 	 	39,786	  	 	 	41,147	  	 	 	42,605	  	 	 	45,861	  	
Primary delinquency rate	 	 	5.10	% 	 	 	5.21	% 	 	 	5.65	% 	 	 	6.31	% 	 	 	6.59	% 	 	 	6.87	% 	 	 	7.42	% 	
	 							
Flow loans in-force	 	 	620,430	  	 	 	608,615	  	 	 	601,472	  	 	 	599,206	  	 	 	591,823	  	 	 	585,719	  	 	 	582,553	  	
Flow delinquent loans	 	 	31,678	  	 	 	31,876	  	 	 	34,220	  	 	 	38,177	  	 	 	39,485	  	 	 	40,897	  	 	 	43,733	  	
Flow delinquency rate	 	 	5.11	% 	 	 	5.24	% 	 	 	5.69	% 	 	 	6.37	% 	 	 	6.67	% 	 	 	6.98	% 	 	 	7.51	% 	
	 							
Bulk loans in-force	 	 	26,696	  	 	 	28,025	  	 	 	30,119	  	 	 	31,646	  	 	 	33,027	  	 	 	34,696	  	 	 	35,889	  	
Bulk delinquent loans	 	 	1,311	  	 	 	1,323	  	 	 	1,445	  	 	 	1,609	  	 	 	1,662	  	 	 	1,708	  	 	 	2,128	  	
Bulk delinquency rate	 	 	4.91	% 	 	 	4.72	% 	 	 	4.80	% 	 	 	5.08	% 	 	 	5.03	% 	 	 	4.92	% 	 	 	5.93	% 	
	 							
A minus and sub-prime loans in-force	 	 	29,745	  	 	 	31,051	  	 	 	33,805	  	 	 	33,529	  	 	 	34,825	  	 	 	36,219	  	 	 	37,714	  	
A minus and sub-prime delinquent loans	 	 	6,642	  	 	 	6,530	  	 	 	7,019	  	 	 	7,851	  	 	 	8,017	  	 	 	8,238	  	 	 	8,789	  	
A minus and sub-prime delinquency rate	 	 	22.33	% 	 	 	21.03	% 	 	 	20.76	% 	 	 	23.42	% 	 	 	23.02	% 	 	 	22.74	% 	 	 	23.30	% 	
	 							
Pool Loans	 			 	 				 				 				 				 				 				
Pool loans in-force	 	 	7,284	  	 	 	7,709	  	 	 	7,979	  	 	 	8,282	  	 	 	10,125	  	 	 	10,336	  	 	 	10,710	  	
Pool delinquent loans	 	 	426	  	 	 	447	  	 	 	468	  	 	 	521	  	 	 	549	  	 	 	546	  	 	 	575	  	
Pool delinquency rate	 	 	5.85	% 	 	 	5.80	% 	 	 	5.87	% 	 	 	6.29	% 	 	 	5.42	% 	 	 	5.28	% 	 	 	5.37	% 	
	 							
Primary Risk In-Force by Credit Quality	 			 	 				 				 				 				 				 				
Over 735	 	 	52	% 	 	 	52	% 	 	 	52	% 	 	 	51	% 	 	 	51	% 	 	 	51	% 	 	 	50	% 	
680-735	 	 	31	% 	 	 	31	% 	 	 	31	% 	 	 	31	% 	 	 	30	% 	 	 	30	% 	 	 	30	% 	
660-679 (1)	 	 	7	% 	 	 	7	% 	 	 	7	% 	 	 	7	% 	 	 	7	% 	 	 	7	% 	 	 	8	% 	
620-659	 	 	7	% 	 	 	7	% 	 	 	7	% 	 	 	8	% 	 	 	8	% 	 	 	8	% 	 	 	8	% 	
< 620	 	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	3	% 	 	 	4	% 	 	 	4	% 	 	 	4	% 	

(1)  	Loans with unknown FICO scores are included in the 660-679 category.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Portfolio Quality Metrics—U.S. Mortgage Insurance Segment
(dollar amounts in millions)

 	  	September 30, 2015	 	
Policy Year	  	Average
Rate (1) 	 	 	% of Total
Reserves (2) 	 	 	Primary
Insurance In-Force	 	  	% of Total	 	 	Primary
Risk In-Force	 	  	% of Total	 	 	Deliquency
Rate	 	
2004 and prior	  	 	6.07	% 	 	 	12.1	% 	 	$	4,338	  	  	 	3.6	% 	 	$	978	  	  	 	3.2	% 	 	 	14.84	% 	
2005	  	 	5.66	% 	 	 	11.8	  	 	 	3,793	  	  	 	3.2	  	 	 	1,026	  	  	 	3.4	  	 	 	13.91	% 	
2006	  	 	5.87	% 	 	 	17.2	  	 	 	6,262	  	  	 	5.2	  	 	 	1,606	  	  	 	5.3	  	 	 	13.22	% 	
2007	  	 	5.78	% 	 	 	37.1	  	 	 	15,552	  	  	 	12.9	  	 	 	3,913	  	  	 	12.9	  	 	 	12.39	% 	
2008	  	 	5.32	% 	 	 	17.8	  	 	 	13,386	  	  	 	11.1	  	 	 	3,392	  	  	 	11.2	  	 	 	6.98	% 	
2009	  	 	4.95	% 	 	 	0.6	  	 	 	1,968	  	  	 	1.6	  	 	 	457	  	  	 	1.5	  	 	 	2.03	% 	
2010	  	 	4.69	% 	 	 	0.6	  	 	 	2,500	  	  	 	2.1	  	 	 	621	  	  	 	2.1	  	 	 	1.64	% 	
2011	  	 	4.52	% 	 	 	0.6	  	 	 	3,507	  	  	 	2.9	  	 	 	893	  	  	 	2.9	  	 	 	1.30	% 	
2012	  	 	3.82	% 	 	 	0.6	  	 	 	8,969	  	  	 	7.4	  	 	 	2,313	  	  	 	7.6	  	 	 	0.56	% 	
2013	  	 	3.99	% 	 	 	0.8	  	 	 	15,643	  	  	 	13.0	  	 	 	3,982	  	  	 	13.1	  	 	 	0.50	% 	
2014	  	 	4.39	% 	 	 	0.7	  	 	 	21,065	  	  	 	17.5	  	 	 	5,298	  	  	 	17.5	  	 	 	0.38	% 	
2015	  	 	4.10	% 	 	 	0.1	  	 	 	23,443	  	  	 	19.5	  	 	 	5,871	  	  	 	19.3	  	 	 	0.07	% 	
	  				 	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 				
Total	  	 	4.82	% 	 	 	100.0	% 	 	$	120,426	  	  	 	100.0	% 	 	$	30,350	  	  	 	100.0	% 	 	 	5.10	% 	

 	  	September 30, 2015	 	 	June 30, 2015	 	 	September 30, 2014	 	 	 	 	
 	  	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)	  	$	30,350	  	 	 	5.10	% 	 	$	29,386	  	  	 	5.21	% 	 	$	27,926	  	  	 	6.59	% 	 				
Top 10 lenders	  	 	11,774	  	 	 	6.68	% 	 	 	11,926	  	  	 	6.61	% 	 	 	12,337	  	  	 	7.79	% 	 				
Top 20 lenders	  	 	14,233	  	 	 	5.93	% 	 	 	14,065	  	  	 	6.12	% 	 	 	14,309	  	  	 	7.63	% 	 				
								
Loan-to-value ratio	  				 				 				  				 				  				 				
95.01% and above	  	$	6,429	  	 	 	8.15	% 	 	$	6,540	  	  	 	7.87	% 	 	$	6,912	  	  	 	9.02	% 	 				
90.01% to 95.00%	  	 	13,841	  	 	 	3.66	% 	 	 	13,006	  	  	 	3.86	% 	 	 	11,412	  	  	 	5.36	% 	 				
80.01% to 90.00%	  	 	9,761	  	 	 	4.85	% 	 	 	9,513	  	  	 	5.07	% 	 	 	9,230	  	  	 	6.40	% 	 				
80.00% and below	  	 	319	  	 	 	3.44	% 	 	 	327	  	  	 	3.33	% 	 	 	372	  	  	 	3.51	% 	 				
	  	 	 	 	 				 	 	 	 	  				 	 	 	 	  				 				
Total	  	$	30,350	  	 	 	5.10	% 	 	$	29,386	  	  	 	5.21	% 	 	$	27,926	  	  	 	6.59	% 	 				
	  	 	 	 	 				 	 	 	 	  				 	 	 	 	  				 				
Loan grade	  				 				 				  				 				  				 				
Prime	  	$	29,233	  	 	 	4.27	% 	 	$	28,221	  	  	 	4.40	% 	 	$	26,627	  	  	 	5.62	% 	 				
A minus and sub-prime	  	 	1,117	  	 	 	22.33	% 	 	 	1,165	  	  	 	21.03	% 	 	 	1,299	  	  	 	23.02	% 	 				
	  	 	 	 	 				 	 	 	 	  				 	 	 	 	  				 				
Total	  	$	30,350	  	 	 	5.10	% 	 	$	29,386	  	  	 	5.21	% 	 	$	27,926	  	  	 	6.59	% 	 				

(1)  	Average Annual Mortgage Interest Rate.	
(2)  	Total reserves were $953 million as of September 30, 2015.	
 
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U.S. Life Insurance Division
 
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 GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Net Operating Income (Loss)—U.S. Life Insurance Division
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	784	  	 	$	769	  	 	$	778	  	 	$	2,331	  	 	$	827	  	 	$	821	  	 	$	762	  	 	$	759	  	 	$	3,169	  	
Net investment income	 	 	680	  	 	 	677	  	 	 	671	  	 	 	2,028	  	 	 	676	  	 	 	658	  	 	 	671	  	 	 	660	  	 	 	2,665	  	
Net investment gains (losses)	 	 	(16	) 	 	 	(7	) 	 	 	(4	) 	 	 	(27	) 	 	 	12	  	 	 	1	  	 	 	25	  	 	 	3	  	 	 	41	  	
Insurance and investment product fees and other	 	 	177	  	 	 	182	  	 	 	180	  	 	 	539	  	 	 	180	  	 	 	186	  	 	 	175	  	 	 	171	  	 	 	712	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	1,625	  	 	 	1,621	  	 	 	1,625	  	 	 	4,871	  	 	 	1,695	  	 	 	1,666	  	 	 	1,633	  	 	 	1,593	  	 	 	6,587	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	1,155	  	 	 	1,122	  	 	 	1,091	  	 	 	3,368	  	 	 	1,981	  	 	 	1,722	  	 	 	1,087	  	 	 	1,030	  	 	 	5,820	  	
Interest credited	 	 	148	  	 	 	150	  	 	 	150	  	 	 	448	  	 	 	154	  	 	 	155	  	 	 	155	  	 	 	154	  	 	 	618	  	
Acquisition and operating expenses, net of deferrals	 	 	176	  	 	 	167	  	 	 	163	  	 	 	506	  	 	 	168	  	 	 	173	  	 	 	156	  	 	 	161	  	 	 	658	  	
Amortization of deferred acquisition costs and intangibles	 	 	530	  	 	 	75	  	 	 	73	  	 	 	678	  	 	 	98	  	 	 	91	  	 	 	81	  	 	 	75	  	 	 	345	  	
Goodwill impairment	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	299	  	 	 	550	  	 	 	—  	  	 	 	—  	  	 	 	849	  	
Interest expense	 	 	22	  	 	 	22	  	 	 	25	  	 	 	69	  	 	 	23	  	 	 	22	  	 	 	21	  	 	 	21	  	 	 	87	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	2,031	  	 	 	1,536	  	 	 	1,502	  	 	 	5,069	  	 	 	2,723	  	 	 	2,713	  	 	 	1,500	  	 	 	1,441	  	 	 	8,377	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(406	) 	 	 	85	  	 	 	123	  	 	 	(198	) 	 	 	(1,028	) 	 	 	(1,047	) 	 	 	133	  	 	 	152	  	 	 	(1,790	) 	
Provision (benefit) for income taxes	 	 	(144	) 	 	 	31	  	 	 	43	  	 	 	(70	) 	 	 	(278	) 	 	 	(211	) 	 	 	47	  	 	 	57	  	 	 	(385	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	(262	) 	 	 	54	  	 	 	80	  	 	 	(128	) 	 	 	(750	) 	 	 	(836	) 	 	 	86	  	 	 	95	  	 	 	(1,405	) 	
	 									
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	6	  	 	 	2	  	 	 	1	  	 	 	9	  	 	 	(6	) 	 	 	(3	) 	 	 	(17	) 	 	 	(1	) 	 	 	(27	) 	
Goodwill impairment, net	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	274	  	 	 	517	  	 	 	—  	  	 	 	—  	  	 	 	791	  	
(Gains) losses from life block transactions, net	 	 	296	  	 	 	—  	  	 	 	—  	  	 	 	296	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Expenses related to restructuring, net	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	40	  	 	$	57	  	 	$	81	  	 	$	178	  	 	$	(482	) 	 	$	(322	) 	 	$	69	  	 	$	94	  	 	$	(641	) 	

Effective tax rate (operating income (loss))	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	34.7	% 	 	 	35.8	% 	 	 	35.6	% 	 	 	37.3	% 	 	 	34.7	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
 Net Operating Income (Loss)—U.S. Life Insurance Division
(amounts in millions)

 	  	U.S. Life Insurance Segment	 	 	 	 	
Three months ended September 30, 2015	  	Long-Term Care
Insurance	 	 	Life Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	618	  	 	$	162	  	 	$	4	  	 	$	784	  	 	$	784	  	
Net investment income	  	 	327	  	 	 	126	  	 	 	227	  	 	 	680	  	 	 	680	  	
Net investment gains (losses)	  	 	4	  	 	 	(8	) 	 	 	(12	) 	 	 	(16	) 	 	 	(16	) 	
Insurance and investment product fees and other	  	 	—  	  	 	 	175	  	 	 	2	  	 	 	177	  	 	 	177	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	949	  	 	 	455	  	 	 	221	  	 	 	1,625	  	 	 	1,625	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	825	  	 	 	248	  	 	 	82	  	 	 	1,155	  	 	 	1,155	  	
Interest credited	  	 	—  	  	 	 	66	  	 	 	82	  	 	 	148	  	 	 	148	  	
Acquisition and operating expenses, net of deferrals	  	 	112	  	 	 	48	  	 	 	16	  	 	 	176	  	 	 	176	  	
Amortization of deferred acquisition costs and intangibles	  	 	24	  	 	 	487	  	 	 	19	  	 	 	530	  	 	 	530	  	
Interest expense	  	 	—  	  	 	 	22	  	 	 	—  	  	 	 	22	  	 	 	22	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	961	  	 	 	871	  	 	 	199	  	 	 	2,031	  	 	 	2,031	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(12	) 	 	 	(416	) 	 	 	22	  	 	 	(406	) 	 	 	(406	) 	
Provision (benefit) for income taxes	  	 	(5	) 	 	 	(147	) 	 	 	8	  	 	 	(144	) 	 	 	(144	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	(7	) 	 	 	(269	) 	 	 	14	  	 	 	(262	) 	 	 	(262	) 	
					 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net	  	 	(3	) 	 	 	4	  	 	 	5	  	 	 	6	  	 	 	6	  	
(Gains) losses from life block transactions, net	  	 	—  	  	 	 	296	  	 	 	—  	  	 	 	296	  	 	 	296	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	(10	) 	 	$	31	  	 	$	19	  	 	$	40	  	 	$	40	  	

Effective tax rate (operating income (loss))	  	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	
			
 	  	U.S. Life Insurance Segment	 	 	 	 	
Three months ended September 30, 2014	  	Long-Term Care
Insurance	 	 	Life Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	587	  	 	$	193	  	 	$	41	  	 	$	821	  	 	$	821	  	
Net investment income	  	 	293	  	 	 	123	  	 	 	242	  	 	 	658	  	 	 	658	  	
Net investment gains (losses)	  	 	(1	) 	 	 	10	  	 	 	(8	) 	 	 	1	  	 	 	1	  	
Insurance and investment product fees and other	  	 	—  	  	 	 	184	  	 	 	2	  	 	 	186	  	 	 	186	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	879	  	 	 	510	  	 	 	277	  	 	 	1,666	  	 	 	1,666	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	1,313	  	 	 	293	  	 	 	116	  	 	 	1,722	  	 	 	1,722	  	
Interest credited	  	 	—  	  	 	 	67	  	 	 	88	  	 	 	155	  	 	 	155	  	
Acquisition and operating expenses, net of deferrals	  	 	103	  	 	 	52	  	 	 	18	  	 	 	173	  	 	 	173	  	
Amortization of deferred acquisition costs and intangibles	  	 	25	  	 	 	46	  	 	 	20	  	 	 	91	  	 	 	91	  	
Goodwill impairment	  	 	200	  	 	 	350	  	 	 	—  	  	 	 	550	  	 	 	550	  	
Interest expense	  	 	—  	  	 	 	22	  	 	 	—  	  	 	 	22	  	 	 	22	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	1,641	  	 	 	830	  	 	 	242	  	 	 	2,713	  	 	 	2,713	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(762	) 	 	 	(320	) 	 	 	35	  	 	 	(1,047	) 	 	 	(1,047	) 	
Provision (benefit) for income taxes	  	 	(234	) 	 	 	11	  	 	 	12	  	 	 	(211	) 	 	 	(211	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	(528	) 	 	 	(331	) 	 	 	23	  	 	 	(836	) 	 	 	(836	) 	
					 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net	  	 	—  	  	 	 	(6	) 	 	 	3	  	 	 	(3	) 	 	 	(3	) 	
Goodwill impairment, net	  	 	167	  	 	 	350	  	 	 	—  	  	 	 	517	  	 	 	517	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	(361	) 	 	$	13	  	 	$	26	  	 	$	(322	) 	 	$	(322	) 	

Effective tax rate (operating income (loss))	  	 	35.7	% 	 	 	35.2	% 	 	 	34.8	% 	 	 	35.8	% 	 	 	35.8	% 	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income (Loss)—U.S. Life Insurance Division
(amounts in millions)

 	  	U.S. Life Insurance Segment	 	 	 	 	
Nine months ended September 30, 2015	  	Long-Term Care
Insurance	 	 	Life Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	1,804	  	 	$	510	  	 	$	17	  	 	$	2,331	  	 	$	2,331	  	
Net investment income	  	 	960	  	 	 	380	  	 	 	688	  	 	 	2,028	  	 	 	2,028	  	
Net investment gains (losses)	  	 	4	  	 	 	(2	) 	 	 	(29	) 	 	 	(27	) 	 	 	(27	) 	
Insurance and investment product fees and other	  	 	1	  	 	 	531	  	 	 	7	  	 	 	539	  	 	 	539	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	2,769	  	 	 	1,419	  	 	 	683	  	 	 	4,871	  	 	 	4,871	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	2,371	  	 	 	764	  	 	 	233	  	 	 	3,368	  	 	 	3,368	  	
Interest credited	  	 	—  	  	 	 	200	  	 	 	248	  	 	 	448	  	 	 	448	  	
Acquisition and operating expenses, net of deferrals	  	 	305	  	 	 	151	  	 	 	50	  	 	 	506	  	 	 	506	  	
Amortization of deferred acquisition costs and intangibles	  	 	74	  	 	 	550	  	 	 	54	  	 	 	678	  	 	 	678	  	
Interest expense	  	 	—  	  	 	 	69	  	 	 	—  	  	 	 	69	  	 	 	69	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	2,750	  	 	 	1,734	  	 	 	585	  	 	 	5,069	  	 	 	5,069	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	19	  	 	 	(315	) 	 	 	98	  	 	 	(198	) 	 	 	(198	) 	
Provision (benefit) for income taxes	  	 	6	  	 	 	(111	) 	 	 	35	  	 	 	(70	) 	 	 	(70	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	13	  	 	 	(204	) 	 	 	63	  	 	 	(128	) 	 	 	(128	) 	
					 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net	  	 	(3	) 	 	 	—  	  	 	 	12	  	 	 	9	  	 	 	9	  	
(Gains) losses from life block transactions, net	  	 	—  	  	 	 	296	  	 	 	—  	  	 	 	296	  	 	 	296	  	
Expenses related to restructuring, net	  	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	10	  	 	$	93	  	 	$	75	  	 	$	178	  	 	$	178	  	

Effective tax rate (operating income)	  	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	
			
 	  	U.S. Life Insurance Segment	 	 	 	 	
Nine months ended September 30, 2014	  	Long-Term Care
Insurance	 	 	Life Insurance	 	 	Fixed Annuities	 	 	Total U.S. Life
Insurance Segment	 	 	Total	 	
REVENUES:	  				 				 				 				 			 	
Premiums	  	$	1,729	  	 	$	547	  	 	$	66	  	 	$	2,342	  	 	$	2,342	  	
Net investment income	  	 	875	  	 	 	388	  	 	 	726	  	 	 	1,989	  	 	 	1,989	  	
Net investment gains (losses)	  	 	2	  	 	 	34	  	 	 	(7	) 	 	 	29	  	 	 	29	  	
Insurance and investment product fees and other	  	 	1	  	 	 	525	  	 	 	6	  	 	 	532	  	 	 	532	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	2,607	  	 	 	1,494	  	 	 	791	  	 	 	4,892	  	 	 	4,892	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  				 				 				 				 			 	
Benefits and other changes in policy reserves	  	 	2,712	  	 	 	831	  	 	 	296	  	 	 	3,839	  	 	 	3,839	  	
Interest credited	  	 	—  	  	 	 	199	  	 	 	265	  	 	 	464	  	 	 	464	  	
Acquisition and operating expenses, net of deferrals	  	 	293	  	 	 	147	  	 	 	50	  	 	 	490	  	 	 	490	  	
Amortization of deferred acquisition costs and intangibles	  	 	78	  	 	 	104	  	 	 	65	  	 	 	247	  	 	 	247	  	
Goodwill impairment	  	 	200	  	 	 	350	  	 	 	—  	  	 	 	550	  	 	 	550	  	
Interest expense	  	 	—  	  	 	 	64	  	 	 	—  	  	 	 	64	  	 	 	64	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	3,283	  	 	 	1,695	  	 	 	676	  	 	 	5,654	  	 	 	5,654	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(676	) 	 	 	(201	) 	 	 	115	  	 	 	(762	) 	 	 	(762	) 	
Provision (benefit) for income taxes	  	 	(202	) 	 	 	54	  	 	 	41	  	 	 	(107	) 	 	 	(107	) 	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	(474	) 	 	 	(255	) 	 	 	74	  	 	 	(655	) 	 	 	(655	) 	
					 	
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  				 				 				 				 			 	
Net investment (gains) losses, net	  	 	(2	) 	 	 	(22	) 	 	 	3	  	 	 	(21	) 	 	 	(21	) 	
Goodwill impairment, net	  	 	167	  	 	 	350	  	 	 	—  	  	 	 	517	  	 	 	517	  	
	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	  	$	(309	) 	 	$	73	  	 	$	77	  	 	$	(159	) 	 	$	(159	) 	

Effective tax rate (operating income (loss))	  	 	35.5	% 	 	 	36.5	% 	 	 	35.5	% 	 	 	34.9	% 	 	 	34.9	% 	
 
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U.S. Life Insurance Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Net Operating Income (Loss) and Sales—U.S. Life Insurance Segment—Long-Term Care Insurance
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	618	  	 	$	597	  	 	$	589	  	 	$	1,804	  	 	$	607	  	 	$	587	  	 	$	577	  	 	$	565	  	 	$	2,336	  	
Net investment income	 	 	327	  	 	 	320	  	 	 	313	  	 	 	960	  	 	 	303	  	 	 	293	  	 	 	292	  	 	 	290	  	 	 	1,178	  	
Net investment gains (losses)	 	 	4	  	 	 	(3	) 	 	 	3	  	 	 	4	  	 	 	6	  	 	 	(1	) 	 	 	3	  	 	 	—  	  	 	 	8	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	949	  	 	 	915	  	 	 	905	  	 	 	2,769	  	 	 	916	  	 	 	879	  	 	 	872	  	 	 	856	  	 	 	3,523	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	825	  	 	 	780	  	 	 	766	  	 	 	2,371	  	 	 	1,545	  	 	 	1,313	  	 	 	735	  	 	 	664	  	 	 	4,257	  	
Interest credited	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	 	 	112	  	 	 	98	  	 	 	95	  	 	 	305	  	 	 	106	  	 	 	103	  	 	 	97	  	 	 	93	  	 	 	399	  	
Amortization of deferred acquisition costs and intangibles	 	 	24	  	 	 	24	  	 	 	26	  	 	 	74	  	 	 	34	  	 	 	25	  	 	 	27	  	 	 	26	  	 	 	112	  	
Goodwill impairment	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	154	  	 	 	200	  	 	 	—  	  	 	 	—  	  	 	 	354	  	
Interest expense	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	961	  	 	 	902	  	 	 	887	  	 	 	2,750	  	 	 	1,839	  	 	 	1,641	  	 	 	859	  	 	 	783	  	 	 	5,122	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(12	) 	 	 	13	  	 	 	18	  	 	 	19	  	 	 	(923	) 	 	 	(762	) 	 	 	13	  	 	 	73	  	 	 	(1,599	) 	
Provision (benefit) for income taxes	 	 	(5	) 	 	 	5	  	 	 	6	  	 	 	6	  	 	 	(291	) 	 	 	(234	) 	 	 	5	  	 	 	27	  	 	 	(493	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	(7	) 	 	 	8	  	 	 	12	  	 	 	13	  	 	 	(632	) 	 	 	(528	) 	 	 	8	  	 	 	46	  	 	 	(1,106	) 	
	 									
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	(3	) 	 	 	2	  	 	 	(2	) 	 	 	(3	) 	 	 	(3	) 	 	 	—  	  	 	 	(2	) 	 	 	—  	  	 	 	(5	) 	
Goodwill impairment, net	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	129	  	 	 	167	  	 	 	—  	  	 	 	—  	  	 	 	296	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	(10	) 	 	$	10	  	 	$	10	  	 	$	10	  	 	$	(506	) 	 	$	(361	) 	 	$	6	  	 	$	46	  	 	$	(815	) 	

Effective tax rate (operating income (loss))	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	34.6	% 	 	 	35.7	% 	 	 	37.1	% 	 	 	37.0	% 	 	 	34.9	% 	
										
SALES:	 				 				 				 				 				 				 				 				 				
Individual Long-Term Care Insurance	 	$	7	  	 	$	8	  	 	$	10	  	 	$	25	  	 	$	17	  	 	$	28	  	 	$	24	  	 	$	21	  	 	$	90	  	
Group Long-Term Care Insurance	 	 	1	  	 	 	1	  	 	 	1	  	 	 	3	  	 	 	6	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	10	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	 	$	8	  	 	$	9	  	 	$	11	  	 	$	28	  	 	$	23	  	 	$	29	  	 	$	26	  	 	$	22	  	 	$	100	  	

RATIOS:	 				 				 				 				 				 				 				 				 				
Loss Ratio (1)	 	 	76.4	% 	 	 	72.6	% 	 	 	72.4	% 	 	 	73.8	% 	 	 	200.1	% 	 	 	173.0	% 	 	 	73.2	% 	 	 	63.3	% 	 	 	128.8	% 	
Gross Benefits Ratio (2)	 	 	133.5	% 	 	 	130.5	% 	 	 	130.2	% 	 	 	131.4	% 	 	 	254.4	% 	 	 	224.1	% 	 	 	127.3	% 	 	 	117.5	% 	 	 	182.2	% 	

(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.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Life Insurance
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	162	  	  	$	169	  	 	$	179	  	 	$	510	  	 	$	175	  	 	$	193	  	 	$	171	  	 	$	183	  	 	$	722	  	
Net investment income	  	 	126	  	  	 	127	  	 	 	127	  	 	 	380	  	 	 	133	  	 	 	123	  	 	 	137	  	 	 	128	  	 	 	521	  	
Net investment gains (losses)	  	 	(8	) 	  	 	3	  	 	 	3	  	 	 	(2	) 	 	 	—  	  	 	 	10	  	 	 	23	  	 	 	1	  	 	 	34	  	
Insurance and investment product fees and other	  	 	175	  	  	 	178	  	 	 	178	  	 	 	531	  	 	 	179	  	 	 	184	  	 	 	173	  	 	 	168	  	 	 	704	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	455	  	  	 	477	  	 	 	487	  	 	 	1,419	  	 	 	487	  	 	 	510	  	 	 	504	  	 	 	480	  	 	 	1,981	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	248	  	  	 	266	  	 	 	250	  	 	 	764	  	 	 	315	  	 	 	293	  	 	 	257	  	 	 	281	  	 	 	1,146	  	
Interest credited	  	 	66	  	  	 	68	  	 	 	66	  	 	 	200	  	 	 	67	  	 	 	67	  	 	 	66	  	 	 	66	  	 	 	266	  	
Acquisition and operating expenses, net of deferrals	  	 	48	  	  	 	52	  	 	 	51	  	 	 	151	  	 	 	45	  	 	 	52	  	 	 	45	  	 	 	50	  	 	 	192	  	
Amortization of deferred acquisition costs and intangibles	  	 	487	  	  	 	33	  	 	 	30	  	 	 	550	  	 	 	36	  	 	 	46	  	 	 	32	  	 	 	26	  	 	 	140	  	
Goodwill impairment	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	145	  	 	 	350	  	 	 	—  	  	 	 	—  	  	 	 	495	  	
Interest expense	  	 	22	  	  	 	22	  	 	 	25	  	 	 	69	  	 	 	23	  	 	 	22	  	 	 	21	  	 	 	21	  	 	 	87	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	871	  	  	 	441	  	 	 	422	  	 	 	1,734	  	 	 	631	  	 	 	830	  	 	 	421	  	 	 	444	  	 	 	2,326	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(416	) 	  	 	36	  	 	 	65	  	 	 	(315	) 	 	 	(144	) 	 	 	(320	) 	 	 	83	  	 	 	36	  	 	 	(345	) 	
Provision (benefit) for income taxes	  	 	(147	) 	  	 	13	  	 	 	23	  	 	 	(111	) 	 	 	—  	  	 	 	11	  	 	 	29	  	 	 	14	  	 	 	54	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	  	 	(269	) 	  	 	23	  	 	 	42	  	 	 	(204	) 	 	 	(144	) 	 	 	(331	) 	 	 	54	  	 	 	22	  	 	 	(399	) 	
	 									
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net	  	 	4	  	  	 	(2	) 	 	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	(6	) 	 	 	(15	) 	 	 	(1	) 	 	 	(22	) 	
Goodwill impairment, net	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	145	  	 	 	350	  	 	 	—  	  	 	 	—  	  	 	 	495	  	
(Gains) losses from life block transactions, net	  	 	296	  	  	 	—  	  	 	 	—  	  	 	 	296	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Expenses related to restructuring, net	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	31	  	  	$	22	  	 	$	40	  	 	$	93	  	 	$	1	  	 	$	13	  	 	$	39	  	 	$	21	  	 	$	74	  	

Effective tax rate (operating income)	  	 	35.3	% 	  	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	NM 	(1)  	 	 	35.2	% 	 	 	35.4	% 	 	 	39.3	% 	 	 	36.2	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
Term Life	  	$	7	  	  	$	9	  	 	$	9	  	 	$	25	  	 	$	11	  	 	$	13	  	 	$	14	  	 	$	13	  	 	$	51	  	
Universal Life	  	 	2	  	  	 	4	  	 	 	4	  	 	 	10	  	 	 	7	  	 	 	11	  	 	 	7	  	 	 	6	  	 	 	31	  	
Linked-Benefits	  	 	3	  	  	 	2	  	 	 	4	  	 	 	9	  	 	 	5	  	 	 	4	  	 	 	5	  	 	 	2	  	 	 	16	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	12	  	  	$	15	  	 	$	17	  	 	$	44	  	 	$	23	  	 	$	28	  	 	$	26	  	 	$	21	  	 	$	98	  	

 

(1)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income and Sales—U.S. Life Insurance Segment—Fixed Annuities
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	4	  	  	$	3	  	 	$	10	  	 	$	17	  	 	$	45	  	 	$	41	  	 	$	14	  	 	$	11	  	 	$	111	  	
Net investment income	  	 	227	  	  	 	230	  	 	 	231	  	 	 	688	  	 	 	240	  	 	 	242	  	 	 	242	  	 	 	242	  	 	 	966	  	
Net investment gains (losses)	  	 	(12	) 	  	 	(7	) 	 	 	(10	) 	 	 	(29	) 	 	 	6	  	 	 	(8	) 	 	 	(1	) 	 	 	2	  	 	 	(1	) 	
Insurance and investment product fees and other	  	 	2	  	  	 	3	  	 	 	2	  	 	 	7	  	 	 	1	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	7	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	221	  	  	 	229	  	 	 	233	  	 	 	683	  	 	 	292	  	 	 	277	  	 	 	257	  	 	 	257	  	 	 	1,083	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	82	  	  	 	76	  	 	 	75	  	 	 	233	  	 	 	121	  	 	 	116	  	 	 	95	  	 	 	85	  	 	 	417	  	
Interest credited	  	 	82	  	  	 	82	  	 	 	84	  	 	 	248	  	 	 	87	  	 	 	88	  	 	 	89	  	 	 	88	  	 	 	352	  	
Acquisition and operating expenses, net of deferrals	  	 	16	  	  	 	17	  	 	 	17	  	 	 	50	  	 	 	17	  	 	 	18	  	 	 	14	  	 	 	18	  	 	 	67	  	
Amortization of deferred acquisition costs and intangibles	  	 	19	  	  	 	18	  	 	 	17	  	 	 	54	  	 	 	28	  	 	 	20	  	 	 	22	  	 	 	23	  	 	 	93	  	
Interest expense	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	199	  	  	 	193	  	 	 	193	  	 	 	585	  	 	 	253	  	 	 	242	  	 	 	220	  	 	 	214	  	 	 	929	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	22	  	  	 	36	  	 	 	40	  	 	 	98	  	 	 	39	  	 	 	35	  	 	 	37	  	 	 	43	  	 	 	154	  	
Provision for income taxes	  	 	8	  	  	 	13	  	 	 	14	  	 	 	35	  	 	 	13	  	 	 	12	  	 	 	13	  	 	 	16	  	 	 	54	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME FROM CONTINUING OPERATIONS	  	 	14	  	  	 	23	  	 	 	26	  	 	 	63	  	 	 	26	  	 	 	23	  	 	 	24	  	 	 	27	  	 	 	100	  	
	 									
ADJUSTMENT TO INCOME FROM CONTINUING OPERATIONS:	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net	  	 	5	  	  	 	2	  	 	 	5	  	 	 	12	  	 	 	(3	) 	 	 	3	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME	  	$	19	  	  	$	25	  	 	$	31	  	 	$	75	  	 	$	23	  	 	$	26	  	 	$	24	  	 	$	27	  	 	$	100	  	

Effective tax rate (operating income)	  	 	35.3	% 	  	 	35.3	% 	 	 	35.3	% 	 	 	35.3	% 	 	 	33.3	% 	 	 	34.8	% 	 	 	35.5	% 	 	 	36.2	% 	 	 	35.0	% 	
										
SALES:	  				  				 				 				 				 				 				 				 				
Single Premium Deferred Annuities	  	$	248	  	  	$	211	  	 	$	306	  	 	$	765	  	 	$	439	  	 	$	322	  	 	$	400	  	 	$	492	  	 	$	1,653	  	
Single Premium Immediate Annuities	  	 	12	  	  	 	13	  	 	 	20	  	 	 	45	  	 	 	56	  	 	 	49	  	 	 	29	  	 	 	28	  	 	 	162	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total Sales	  	$	260	  	  	$	224	  	 	$	326	  	 	$	810	  	 	$	495	  	 	$	371	  	 	$	429	  	 	$	520	  	 	$	1,815	  	

 
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Corporate and Other Division
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Net Operating Loss—Corporate and Other Division
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	  			 	  				 				 				 				 				 				 				 				
Premiums	  	$	—  	  	  	$	1	  	 	$	—  	  	 	$	1	  	 	$	—  	  	 	$	1	  	 	$	1	  	 	$	1	  	 	$	3	  	
Net investment income	  	 	31	  	  	 	40	  	 	 	25	  	 	 	96	  	 	 	34	  	 	 	23	  	 	 	34	  	 	 	24	  	 	 	115	  	
Net investment gains (losses)	  	 	(16	) 	  	 	(5	) 	 	 	5	  	 	 	(16	) 	 	 	(19	) 	 	 	(24	) 	 	 	(3	) 	 	 	(18	) 	 	 	(64	) 	
Insurance and investment product fees and other	  	 	46	  	  	 	39	  	 	 	49	  	 	 	134	  	 	 	53	  	 	 	50	  	 	 	53	  	 	 	53	  	 	 	209	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	  	 	61	  	  	 	75	  	 	 	79	  	 	 	215	  	 	 	68	  	 	 	50	  	 	 	85	  	 	 	60	  	 	 	263	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	  			 	  				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	  	 	18	  	  	 	11	  	 	 	7	  	 	 	36	  	 	 	10	  	 	 	13	  	 	 	6	  	 	 	8	  	 	 	37	  	
Interest credited	  	 	31	  	  	 	31	  	 	 	30	  	 	 	92	  	 	 	31	  	 	 	30	  	 	 	29	  	 	 	29	  	 	 	119	  	
Acquisition and operating expenses, net of deferrals	  	 	48	  	  	 	34	  	 	 	25	  	 	 	107	  	 	 	30	  	 	 	24	  	 	 	33	  	 	 	30	  	 	 	117	  	
Amortization of deferred acquisition costs and intangibles	  	 	17	  	  	 	10	  	 	 	6	  	 	 	33	  	 	 	14	  	 	 	6	  	 	 	10	  	 	 	12	  	 	 	42	  	
Interest expense	  	 	75	  	  	 	75	  	 	 	75	  	 	 	225	  	 	 	76	  	 	 	74	  	 	 	83	  	 	 	82	  	 	 	315	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	  	 	189	  	  	 	161	  	 	 	143	  	 	 	493	  	 	 	161	  	 	 	147	  	 	 	161	  	 	 	161	  	 	 	630	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	  	 	(128	) 	  	 	(86	) 	 	 	(64	) 	 	 	(278	) 	 	 	(93	) 	 	 	(97	) 	 	 	(76	) 	 	 	(101	) 	 	 	(367	) 	
Benefit for income taxes	  	 	(52	) 	  	 	(36	) 	 	 	(27	) 	 	 	(115	) 	 	 	(37	) 	 	 	—  	  	 	 	(24	) 	 	 	(50	) 	 	 	(111	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	  	 	(76	) 	  	 	(50	) 	 	 	(37	) 	 	 	(163	) 	 	 	(56	) 	 	 	(97	) 	 	 	(52	) 	 	 	(51	) 	 	 	(256	) 	
Income (loss) from discontinued operations, net of taxes	  	 	(21	) 	  	 	(314	) 	 	 	1	  	 	 	(334	) 	 	 	138	  	 	 	6	  	 	 	4	  	 	 	9	  	 	 	157	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	  	 	(97	) 	  	 	(364	) 	 	 	(36	) 	 	 	(497	) 	 	 	82	  	 	 	(91	) 	 	 	(48	) 	 	 	(42	) 	 	 	(99	) 	
	 									
ADJUSTMENTS TO NET INCOME (LOSS):	  			 	  				 				 				 				 				 				 				 				
Net investment (gains) losses, net	  	 	8	  	  	 	1	  	 	 	(6	) 	 	 	3	  	 	 	9	  	 	 	11	  	 	 	1	  	 	 	11	  	 	 	32	  	
(Gains) losses on early extinguishment of debt, net	  	 	1	  	  	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Expenses related to restructuring, net	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Tax impact from potential business portfolio changes	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	31	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	31	  	
(Income) loss from discontinued operations, net of taxes	  	 	21	  	  	 	314	  	 	 	(1	) 	 	 	334	  	 	 	(138	) 	 	 	(6	) 	 	 	(4	) 	 	 	(9	) 	 	 	(157	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	  	$	(67	) 	  	$	(48	) 	 	$	(43	) 	 	$	(158	) 	 	$	(16	) 	 	$	(86	) 	 	$	(51	) 	 	$	(40	) 	 	$	(193	) 	

										
Effective tax rate (operating loss)	  	 	42.1	%  	  	 	42.2	%  	 	 	38.1	%  	 	 	40.9	%  	 	 	80.8	%  	 	 	-7.2	%  	 	 	32.1	%  	 	 	52.0	%  	 	 	39.4	%  	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income (Loss)—Corporate and Other Division
(amounts in millions)

Three months ended September 30, 2015	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	  	 				 			 	
Premiums	 	$	—  	  	 	$	—  	  	 	$	—  	  	
Net investment income	 	 	32	  	 	 	(1	) 	 	 	31	  	
Net investment gains (losses)	 	 	(25	) 	 	 	9	  	 	 	(16	) 	
Insurance and investment product fees and other	 	 	46	  	 	 	—  	  	 	 	46	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	53	  	 	 	8	  	 	 	61	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 			 	
Benefits and other changes in policy reserves	 	 	18	  	 	 	—  	  	 	 	18	  	
Interest credited	 	 	31	  	 	 	—  	  	 	 	31	  	
Acquisition and operating expenses, net of deferrals	 	 	17	  	 	 	31	  	 	 	48	  	
Amortization of deferred acquisition costs and intangibles	 	 	17	  	 	 	—  	  	 	 	17	  	
Interest expense	 	 	—  	  	 	 	75	  	 	 	75	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	83	  	 	 	106	  	 	 	189	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(30	) 	 	 	(98	) 	 	 	(128	) 	
Benefit for income taxes	 	 	(12	) 	 	 	(40	) 	 	 	(52	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	 	 	(18	) 	 	 	(58	) 	 	 	(76	) 	
Loss from discontinued operations, net of taxes	 	 	—  	  	 	 	(21	) 	 	 	(21	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	 	 	(18	) 	 	 	(79	) 	 	 	(97	) 	
			 	
ADJUSTMENTS TO NET LOSS:	 				 				 			 	
Net investment (gains) losses, net	 	 	14	  	 	 	(6	) 	 	 	8	  	
(Gains) losses on early extinguishment of debt, net	 	 	—  	  	 	 	1	  	 	 	1	  	
Loss from discontinued operations, net of taxes	 	 	—  	  	 	 	21	  	 	 	21	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	 	$	(4	) 	 	$	(63	) 	 	$	(67	) 	

Effective tax rate (operating loss)	 	 	49.2	% 	 	 	41.5	% 	 	 	42.1	% 	
	 				 				 				
Three months ended September 30, 2014	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	 				 				 			 	
Premiums	 	$	1	  	 	$	—  	  	 	$	1	  	
Net investment income	 	 	32	  	 	 	(9	) 	 	 	23	  	
Net investment gains (losses)	 	 	(33	) 	 	 	9	  	 	 	(24	) 	
Insurance and investment product fees and other	 	 	53	  	 	 	(3	) 	 	 	50	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	53	  	 	 	(3	) 	 	 	50	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 			 	
Benefits and other changes in policy reserves	 	 	13	  	 	 	—  	  	 	 	13	  	
Interest credited	 	 	30	  	 	 	—  	  	 	 	30	  	
Acquisition and operating expenses, net of deferrals	 	 	22	  	 	 	2	  	 	 	24	  	
Amortization of deferred acquisition costs and intangibles	 	 	5	  	 	 	1	  	 	 	6	  	
Interest expense	 	 	—  	  	 	 	74	  	 	 	74	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	70	  	 	 	77	  	 	 	147	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(17	) 	 	 	(80	) 	 	 	(97	) 	
Provision (benefit) for income taxes	 	 	(5	) 	 	 	5	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	 	 	(12	) 	 	 	(85	) 	 	 	(97	) 	
Income from discontinued operations, net of taxes	 	 	—  	  	 	 	6	  	 	 	6	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	 	 	(12	) 	 	 	(79	) 	 	 	(91	) 	
			 	
ADJUSTMENTS TO NET LOSS:	 				 				 			 	
Net investment (gains) losses, net	 	 	17	  	 	 	(6	) 	 	 	11	  	
Income from discontinued operations, net of taxes	 	 	—  	  	 	 	(6	) 	 	 	(6	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	5	  	 	$	(91	) 	 	$	(86	) 	

Effective tax rate (operating income (loss))	 	 	48.2	% 	 	 	-1.5	% 	 	 	-7.2	% 	

(1)  	Includes inter-segment eliminations.	
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
Net Operating Income (Loss)—Corporate and Other Division
(amounts in millions)

Nine months ended September 30, 2015	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	 				 				 			 	
Premiums	 	$	1	  	 	$	—  	  	 	$	1	  	
Net investment income	 	 	103	  	 	 	(7	) 	 	 	96	  	
Net investment gains (losses)	 	 	(39	) 	 	 	23	  	 	 	(16	) 	
Insurance and investment product fees and other	 	 	144	  	 	 	(10	) 	 	 	134	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	209	  	 	 	6	  	 	 	215	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 			 	
Benefits and other changes in policy reserves	 	 	36	  	 	 	—  	  	 	 	36	  	
Interest credited	 	 	92	  	 	 	—  	  	 	 	92	  	
Acquisition and operating expenses, net of deferrals	 	 	57	  	 	 	50	  	 	 	107	  	
Amortization of deferred acquisition costs and intangibles	 	 	32	  	 	 	1	  	 	 	33	  	
Interest expense	 	 	1	  	 	 	224	  	 	 	225	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	218	  	 	 	275	  	 	 	493	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(9	) 	 	 	(269	) 	 	 	(278	) 	
Benefit for income taxes	 	 	(7	) 	 	 	(108	) 	 	 	(115	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	 	 	(2	) 	 	 	(161	) 	 	 	(163	) 	
Loss from discontinued operations, net of taxes	 	 	—  	  	 	 	(334	) 	 	 	(334	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET LOSS	 	 	(2	) 	 	 	(495	) 	 	 	(497	) 	
			 	
ADJUSTMENTS TO NET LOSS:	 				 				 			 	
Net investment (gains) losses, net	 	 	18	  	 	 	(15	) 	 	 	3	  	
(Gains) losses on early extinguishment of debt, net	 	 	—  	  	 	 	1	  	 	 	1	  	
Expenses related to restructuring, net	 	 	—  	  	 	 	1	  	 	 	1	  	
Loss from discontinued operations, net of taxes	 	 	—  	  	 	 	334	  	 	 	334	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	16	  	 	$	(174	) 	 	$	(158	) 	

Effective tax rate (operating income (loss))	 	 	14.3	% 	 	 	40.0	% 	 	 	40.9	% 	
	 				 				 				
Nine months ended September 30, 2014	 	Runoff Segment	 	 	Corporate and Other (1) 	 	 	Total	 	
REVENUES:	 				 				 			 	
Premiums	 	$	3	  	 	$	—  	  	 	$	3	  	
Net investment income	 	 	97	  	 	 	(16	) 	 	 	81	  	
Net investment gains (losses)	 	 	(43	) 	 	 	(2	) 	 	 	(45	) 	
Insurance and investment product fees and other	 	 	158	  	 	 	(2	) 	 	 	156	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	215	  	 	 	(20	) 	 	 	195	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 			 	
Benefits and other changes in policy reserves	 	 	27	  	 	 	—  	  	 	 	27	  	
Interest credited	 	 	88	  	 	 	—  	  	 	 	88	  	
Acquisition and operating expenses, net of deferrals	 	 	62	  	 	 	25	  	 	 	87	  	
Amortization of deferred acquisition costs and intangibles	 	 	26	  	 	 	2	  	 	 	28	  	
Interest expense	 	 	1	  	 	 	238	  	 	 	239	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	204	  	 	 	265	  	 	 	469	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	11	  	 	 	(285	) 	 	 	(274	) 	
Benefit for income taxes	 	 	—  	  	 	 	(74	) 	 	 	(74	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	11	  	 	 	(211	) 	 	 	(200	) 	
Income from discontinued operations, net of taxes	 	 	—  	  	 	 	19	  	 	 	19	  	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	11	  	 	 	(192	) 	 	 	(181	) 	
			 	
ADJUSTMENTS TO NET INCOME (LOSS):	 				 				 			 	
Net investment (gains) losses, net	 	 	21	  	 	 	2	  	 	 	23	  	
Income from discontinued operations, net of taxes	 	 	—  	  	 	 	(19	) 	 	 	(19	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	32	  	 	$	(209	) 	 	$	(177	) 	

Effective tax rate (operating income (loss))	 	 	26.1	% 	 	 	26.0	% 	 	 	26.0	% 	

(1)  	Includes inter-segment eliminations.	
 
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Runoff Segment
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Net Operating Income (Loss)—Runoff Segment
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	—  	  	 	$	1	  	 	$	—  	  	 	$	1	  	 	$	 —  	  	 	$	1	  	 	$	1	  	 	$	1	  	 	$	3	  	
Net investment income	 	 	32	  	 	 	40	  	 	 	31	  	 	 	103	  	 	 	32	  	 	 	32	  	 	 	33	  	 	 	32	  	 	 	129	  	
Net investment gains (losses)	 	 	(25	) 	 	 	(8	) 	 	 	(6	) 	 	 	(39	) 	 	 	(23	) 	 	 	(33	) 	 	 	3	  	 	 	(13	) 	 	 	(66	) 	
Insurance and investment product fees and other	 	 	46	  	 	 	49	  	 	 	49	  	 	 	144	  	 	 	51	  	 	 	53	  	 	 	52	  	 	 	53	  	 	 	209	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	53	  	 	 	82	  	 	 	74	  	 	 	209	  	 	 	60	  	 	 	53	  	 	 	89	  	 	 	73	  	 	 	275	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	18	  	 	 	11	  	 	 	7	  	 	 	36	  	 	 	10	  	 	 	13	  	 	 	6	  	 	 	8	  	 	 	37	  	
Interest credited	 	 	31	  	 	 	31	  	 	 	30	  	 	 	92	  	 	 	31	  	 	 	30	  	 	 	29	  	 	 	29	  	 	 	119	  	
Acquisition and operating expenses, net of deferrals	 	 	17	  	 	 	21	  	 	 	19	  	 	 	57	  	 	 	22	  	 	 	22	  	 	 	20	  	 	 	20	  	 	 	84	  	
Amortization of deferred acquisition costs and intangibles	 	 	17	  	 	 	10	  	 	 	5	  	 	 	32	  	 	 	13	  	 	 	5	  	 	 	10	  	 	 	11	  	 	 	39	  	
Interest expense	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	83	  	 	 	74	  	 	 	61	  	 	 	218	  	 	 	76	  	 	 	70	  	 	 	66	  	 	 	68	  	 	 	280	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(30	) 	 	 	8	  	 	 	13	  	 	 	(9	) 	 	 	(16	) 	 	 	(17	) 	 	 	23	  	 	 	5	  	 	 	(5	) 	
Provision (benefit) for income taxes	 	 	(12	) 	 	 	2	  	 	 	3	  	 	 	(7	) 	 	 	(19	) 	 	 	(5	) 	 	 	5	  	 	 	—  	  	 	 	(19	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM CONTINUING OPERATIONS	 	 	(18	) 	 	 	6	  	 	 	10	  	 	 	(2	) 	 	 	3	  	 	 	(12	) 	 	 	18	  	 	 	5	  	 	 	14	  	
	 									
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	14	  	 	 	3	  	 	 	1	  	 	 	18	  	 	 	13	  	 	 	17	  	 	 	(3	) 	 	 	7	  	 	 	34	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING INCOME (LOSS)	 	$	(4	) 	 	$	9	  	 	$	11	  	 	$	16	  	 	$	16	  	 	$	5	  	 	$	15	  	 	$	12	  	 	$	48	  	

Effective tax rate (operating income (loss))	 	 	49.2	% 	 	 	25.7	% 	 	 	26.7	% 	 	 	14.3	% 	 	 	NM 	(1)  	 	 	48.2	% 	 	 	16.1	% 	 	 	25.1	% 	 	 	-1.0	% 	

(1)  	“NM” is defined as not meaningful for percentages greater than 200%.	
 
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Corporate and Other
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
Net Operating Loss—Corporate and Other (1) 
(amounts in millions)

 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 			 	 				 				 				 				 				 				 				 				
Premiums	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	 	$	 —  	  	 	$	—  	  	 	$	—  	  	 	$	—  	  	
Net investment income	 	 	(1	) 	 	 	—  	  	 	 	(6	) 	 	 	(7	) 	 	 	2	  	 	 	(9	) 	 	 	1	  	 	 	(8	) 	 	 	(14	) 	
Net investment gains (losses)	 	 	9	  	 	 	3	  	 	 	11	  	 	 	23	  	 	 	4	  	 	 	9	  	 	 	(6	) 	 	 	(5	) 	 	 	2	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	(10	) 	 	 	—  	  	 	 	(10	) 	 	 	2	  	 	 	(3	) 	 	 	1	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	8	  	 	 	(7	) 	 	 	5	  	 	 	6	  	 	 	8	  	 	 	(3	) 	 	 	(4	) 	 	 	(13	) 	 	 	(12	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 			 	 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Interest credited	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Acquisition and operating expenses, net of deferrals	 	 	31	  	 	 	13	  	 	 	6	  	 	 	50	  	 	 	8	  	 	 	2	  	 	 	13	  	 	 	10	  	 	 	33	  	
Amortization of deferred acquisition costs and intangibles	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	3	  	
Interest expense	 	 	75	  	 	 	74	  	 	 	75	  	 	 	224	  	 	 	76	  	 	 	74	  	 	 	82	  	 	 	82	  	 	 	314	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	106	  	 	 	87	  	 	 	82	  	 	 	275	  	 	 	85	  	 	 	77	  	 	 	95	  	 	 	93	  	 	 	350	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES	 	 	(98	) 	 	 	(94	) 	 	 	(77	) 	 	 	(269	) 	 	 	(77	) 	 	 	(80	) 	 	 	(99	) 	 	 	(106	) 	 	 	(362	) 	
Provision (benefit) for income taxes	 	 	(40	) 	 	 	(38	) 	 	 	(30	) 	 	 	(108	) 	 	 	(18	) 	 	 	5	  	 	 	(29	) 	 	 	(50	) 	 	 	(92	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
LOSS FROM CONTINUING OPERATIONS	 	 	(58	) 	 	 	(56	) 	 	 	(47	) 	 	 	(161	) 	 	 	(59	) 	 	 	(85	) 	 	 	(70	) 	 	 	(56	) 	 	 	(270	) 	
Income (loss) from discontinued operations, net of taxes (2)	 	 	(21	) 	 	 	(314	) 	 	 	1	  	 	 	(334	) 	 	 	138	  	 	 	6	  	 	 	4	  	 	 	9	  	 	 	157	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	(79	) 	 	 	(370	) 	 	 	(46	) 	 	 	(495	) 	 	 	79	  	 	 	(79	) 	 	 	(66	) 	 	 	(47	) 	 	 	(113	) 	
	 									
ADJUSTMENTS TO NET INCOME (LOSS):	 			 	 				 				 				 				 				 				 				 				
Net investment (gains) losses, net	 	 	(6	) 	 	 	(2	) 	 	 	(7	) 	 	 	(15	) 	 	 	(4	) 	 	 	(6	) 	 	 	4	  	 	 	4	  	 	 	(2	) 	
(Gains) losses on early extinguishment of debt, net	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Expenses related to restructuring, net	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Tax impact from potential business portfolio changes	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	31	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	31	  	
(Income) loss from discontinued operations, net of taxes	 	 	21	  	 	 	314	  	 	 	(1	) 	 	 	334	  	 	 	(138	) 	 	 	(6	) 	 	 	(4	) 	 	 	(9	) 	 	 	(157	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET OPERATING LOSS	 	$	(63	) 	 	$	(57	) 	 	$	(54	) 	 	$	(174	) 	 	$	(32	) 	 	$	(91	) 	 	$	(66	) 	 	$	(52	) 	 	$	(241	) 	

Effective tax rate (operating loss)	 	 	41.5	% 	 	 	42.1	% 	 	 	36.2	% 	 	 	40.0	% 	 	 	61.8	% 	 	 	-1.5	% 	 	 	28.9	% 	 	 	47.7	% 	 	 	34.0	% 	
(1)      Includes inter-segment eliminations.
(2)      Operating results of the lifestyle protection insurance business presented as discontinued operations were as follows:	        
        	
 	 	2015	 	 	2014	 	
 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
REVENUES:	 				 				 				 				 				 				 				 				 				
Premiums	 	$	169	  	 	$	168	  	 	$	180	  	 	$	517	  	 	$	173	  	 	$	184	  	 	$	199	  	 	$	174	  	 	$	730	  	
Net investment income	 	 	21	  	 	 	20	  	 	 	22	  	 	 	63	  	 	 	22	  	 	 	28	  	 	 	21	  	 	 	29	  	 	 	100	  	
Net investment gains (losses)	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	 	 	2	  	
Insurance and investment product fees and other	 	 	—  	  	 	 	2	  	 	 	(2	) 	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	2	  	 	 	1	  	 	 	4	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total revenues	 	 	190	  	 	 	190	  	 	 	200	  	 	 	580	  	 	 	195	  	 	 	214	  	 	 	222	  	 	 	205	  	 	 	836	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
BENEFITS AND EXPENSES:	 				 				 				 				 				 				 				 				 				
Benefits and other changes in policy reserves	 	 	46	  	 	 	53	  	 	 	51	  	 	 	150	  	 	 	48	  	 	 	53	  	 	 	56	  	 	 	46	  	 	 	203	  	
Acquisition and operating expenses, net of deferrals	 	 	105	  	 	 	105	  	 	 	113	  	 	 	323	  	 	 	107	  	 	 	113	  	 	 	122	  	 	 	105	  	 	 	447	  	
Amortization of deferred acquisition costs and intangibles	 	 	21	  	 	 	24	  	 	 	26	  	 	 	71	  	 	 	28	  	 	 	30	  	 	 	30	  	 	 	30	  	 	 	118	  	
Interest expense	 	 	7	  	 	 	6	  	 	 	9	  	 	 	22	  	 	 	11	  	 	 	10	  	 	 	9	  	 	 	15	  	 	 	45	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total benefits and expenses	 	 	179	  	 	 	188	  	 	 	199	  	 	 	566	  	 	 	194	  	 	 	206	  	 	 	217	  	 	 	196	  	 	 	813	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME BEFORE INCOME TAXES AND OTHER ITEMS	 	 	11	  	 	 	2	  	 	 	1	  	 	 	14	  	 	 	1	  	 	 	8	  	 	 	5	  	 	 	9	  	 	 	23	  	
Provision (benefit) for income taxes	 	 	20	  	 	 	10	  	 	 	—  	  	 	 	30	  	 	 	(137	) 	 	 	2	  	 	 	1	  	 	 	—  	  	 	 	(134	) 	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NET INCOME (LOSS)	 	 	(9	) 	 	 	(8	) 	 	 	1	  	 	 	(16	) 	 	 	138	  	 	 	6	  	 	 	4	  	 	 	9	  	 	 	157	  	
Loss on sale, net of taxes	 	 	(12	) 	 	 	(306	) 	 	 	—  	  	 	 	(318	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
INCOME (LOSS) FROM DISCONTINUED OPERATIONS, NET OF TAXES	 	$	(21	) 	 	$	(314	) 	 	$	1	  	 	$	(334	) 	 	$	138	  	 	$	6	  	 	$	4	  	 	$	9	  	 	$	157	  	

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 Additional Financial Data
 
55

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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Investments Summary
(amounts in millions)

 	 	 	 	September 30, 2015	 	 	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	
 	 	 	 	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	 	$	33,644	  	 	 	44	% 	 	$	33,507	  	 	 	45	% 	 	$	34,644	  	 	 	44	% 	 	$	34,263	  	 	 	45	% 	 	$	34,111	  	 	 	45	% 	
Private fixed maturity securities	 	 	11,009	  	 	 	15	  	 	 	10,877	  	 	 	14	  	 	 	10,962	  	 	 	14	  	 	 	11,034	  	 	 	14	  	 	 	10,934	  	 	 	15	  	
Residential mortgage-backed securities (1)	 	 	5,009	  	 	 	7	  	 	 	4,954	  	 	 	7	  	 	 	5,011	  	 	 	6	  	 	 	5,082	  	 	 	7	  	 	 	4,990	  	 	 	7	  	
Commercial mortgage-backed securities	 	 	2,492	  	 	 	3	  	 	 	2,475	  	 	 	3	  	 	 	2,547	  	 	 	3	  	 	 	2,491	  	 	 	3	  	 	 	2,518	  	 	 	3	  	
Other asset-backed securities	 	 	3,904	  	 	 	5	  	 	 	3,837	  	 	 	5	  	 	 	3,767	  	 	 	5	  	 	 	3,669	  	 	 	5	  	 	 	3,770	  	 	 	5	  	
State and political subdivisions	 	 	2,447	  	 	 	3	  	 	 	2,388	  	 	 	3	  	 	 	2,350	  	 	 	3	  	 	 	2,222	  	 	 	3	  	 	 	2,182	  	 	 	3	  	
Non-investment grade fixed maturity securities	 	 	2,346	  	 	 	3	  	 	 	2,530	  	 	 	3	  	 	 	2,623	  	 	 	4	  	 	 	2,515	  	 	 	3	  	 	 	2,586	  	 	 	3	  	
Equity securities:	 				 			 	 				 				 				 				 				 				 				 				
Common stocks and mutual funds	 	 	37	  	 	 	—  	  	 	 	62	  	 	 	—  	  	 	 	134	  	 	 	—  	  	 	 	187	  	 	 	—  	  	 	 	214	  	 	 	—  	  	
Preferred stocks	 	 	236	  	 	 	—  	  	 	 	237	  	 	 	1	  	 	 	165	  	 	 	—  	  	 	 	88	  	 	 	—  	  	 	 	92	  	 	 	—  	  	
Commercial mortgage loans	 	 	6,133	  	 	 	8	  	 	 	6,175	  	 	 	8	  	 	 	6,149	  	 	 	8	  	 	 	6,100	  	 	 	8	  	 	 	6,077	  	 	 	8	  	
Restricted commercial mortgage loans related to securitization entities	 	 	175	  	 	 	—  	  	 	 	181	  	 	 	—  	  	 	 	188	  	 	 	—  	  	 	 	201	  	 	 	—  	  	 	 	209	  	 	 	—  	  	
Policy loans	 	 	1,567	  	 	 	2	  	 	 	1,584	  	 	 	2	  	 	 	1,506	  	 	 	2	  	 	 	1,501	  	 	 	2	  	 	 	1,512	  	 	 	2	  	
Cash, cash equivalents and short-term investments	 	 	4,042	  	 	 	6	  	 	 	4,459	  	 	 	6	  	 	 	5,380	  	 	 	7	  	 	 	4,990	  	 	 	7	  	 	 	3,424	  	 	 	5	  	
Securities lending	 	 	367	  	 	 	—  	  	 	 	337	  	 	 	—  	  	 	 	323	  	 	 	1	  	 	 	289	  	 	 	1	  	 	 	339	  	 	 	1	  	
Other invested assets:	 	Limited partnerships	 	 	195	  	 	 	—  	  	 	 	216	  	 	 	—  	  	 	 	215	  	 	 	—  	  	 	 	252	  	 	 	—  	  	 	 	262	  	 	 	—  	  	
	 	Derivatives:	 				 			 	 				 				 				 				 				 				 				 				
	 	Long-term care (LTC) forward starting swap—cash flow	 	 	768	  	 	 	1	  	 	 	423	  	 	 	1	  	 	 	948	  	 	 	1	  	 	 	639	  	 	 	1	  	 	 	252	  	 	 	—  	  	
	 	Other cash flow	 	 	8	  	 	 	—  	  	 	 	8	  	 	 	—  	  	 	 	9	  	 	 	—  	  	 	 	6	  	 	 	—  	  	 	 	10	  	 	 	—  	  	
	 	Equity index options—non-qualified	 	 	15	  	 	 	—  	  	 	 	12	  	 	 	—  	  	 	 	15	  	 	 	—  	  	 	 	17	  	 	 	—  	  	 	 	11	  	 	 	—  	  	
	 	Other non-qualified	 	 	534	  	 	 	1	  	 	 	416	  	 	 	—  	  	 	 	512	  	 	 	1	  	 	 	470	  	 	 	—  	  	 	 	391	  	 	 	1	  	
	 	Trading portfolio	 	 	458	  	 	 	1	  	 	 	368	  	 	 	1	  	 	 	218	  	 	 	—  	  	 	 	241	  	 	 	—  	  	 	 	226	  	 	 	—  	  	
	 	Counterparty collateral	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	522	  	 	 	1	  	
	 	Restricted other invested assets related to securitization entities	 	 	412	  	 	 	1	  	 	 	410	  	 	 	1	  	 	 	411	  	 	 	1	  	 	 	411	  	 	 	1	  	 	 	404	  	 	 	1	  	
	 	Other	 	 	52	  	 	 	—  	  	 	 	52	  	 	 	—  	  	 	 	48	  	 	 	—  	  	 	 	56	  	 	 	—  	  	 	 	65	  	 	 	—  	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total invested assets and cash	 	$	75,850	  	 	 	100	% 	 	$	75,508	  	 	 	100	% 	 	$	78,125	  	 	 	100	% 	 	$	76,724	  	 	 	100	% 	 	$	75,101	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Public Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NRSRO (2) Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	15,068	  	 	 	33	% 	 	$	14,931	  	 	 	33	% 	 	$	15,531	  	 	 	33	% 	 	$	15,611	  	 	 	34	% 	 	$	15,314	  	 	 	33	% 	
AA	 		 	 	4,613	  	 	 	10	  	 	 	4,773	  	 	 	11	  	 	 	4,858	  	 	 	11	  	 	 	4,741	  	 	 	10	  	 	 	4,821	  	 	 	11	  	
A	 		 	 	13,553	  	 	 	30	  	 	 	13,441	  	 	 	30	  	 	 	13,845	  	 	 	30	  	 	 	13,645	  	 	 	30	  	 	 	13,550	  	 	 	30	  	
BBB	 		 	 	10,681	  	 	 	24	  	 	 	10,590	  	 	 	23	  	 	 	10,721	  	 	 	23	  	 	 	10,498	  	 	 	23	  	 	 	10,625	  	 	 	23	  	
BB	 		 	 	1,234	  	 	 	3	  	 	 	1,276	  	 	 	3	  	 	 	1,385	  	 	 	3	  	 	 	1,361	  	 	 	3	  	 	 	1,386	  	 	 	3	  	
B	 		 	 	50	  	 	 	—  	  	 	 	68	  	 	 	—  	  	 	 	75	  	 	 	—  	  	 	 	76	  	 	 	—  	  	 	 	77	  	 	 	—  	  	
CCC and lower	 		 	 	95	  	 	 	—  	  	 	 	99	  	 	 	—  	  	 	 	108	  	 	 	—  	  	 	 	112	  	 	 	—  	  	 	 	114	  	 	 	—  	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total public fixed maturity securities	 	$	45,294	  	 	 	100	% 	 	$	45,178	  	 	 	100	% 	 	$	46,523	  	 	 	100	% 	 	$	46,044	  	 	 	100	% 	 	$	45,887	  	 	 	100	% 	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Private Fixed Maturity Securities—Credit Quality:	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
NRSRO (2) Designation	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
AAA	 		 	$	1,730	  	 	 	11	% 	 	$	1,646	  	 	 	11	% 	 	$	1,514	  	 	 	10	% 	 	$	1,569	  	 	 	10	% 	 	$	1,550	  	 	 	10	% 	
AA	 		 	 	1,982	  	 	 	13	  	 	 	1,957	  	 	 	13	  	 	 	1,956	  	 	 	13	  	 	 	2,007	  	 	 	14	  	 	 	1,803	  	 	 	12	  	
A	 		 	 	4,805	  	 	 	31	  	 	 	4,847	  	 	 	31	  	 	 	4,846	  	 	 	31	  	 	 	4,602	  	 	 	30	  	 	 	4,743	  	 	 	31	  	
BBB	 		 	 	6,073	  	 	 	39	  	 	 	5,853	  	 	 	38	  	 	 	6,010	  	 	 	39	  	 	 	6,088	  	 	 	40	  	 	 	6,099	  	 	 	40	  	
BB	 		 	 	839	  	 	 	5	  	 	 	973	  	 	 	6	  	 	 	910	  	 	 	6	  	 	 	792	  	 	 	5	  	 	 	835	  	 	 	5	  	
B	 		 	 	114	  	 	 	1	  	 	 	101	  	 	 	1	  	 	 	127	  	 	 	1	  	 	 	95	  	 	 	1	  	 	 	95	  	 	 	1	  	
CCC and lower	 		 	 	14	  	 	 	—  	  	 	 	13	  	 	 	—  	  	 	 	18	  	 	 	—  	  	 	 	79	  	 	 	—  	  	 	 	79	  	 	 	1	  	
	 		 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total private fixed maturity securities	 	$	15,557	  	 	 	100	% 	 	$	15,390	  	 	 	100	% 	 	$	15,381	  	 	 	100	% 	 	$	15,232	  	 	 	100	% 	 	$	15,204	  	 	 	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
THIRD QUARTER 2015
 
 Fixed Maturity Securities Summary
(amounts in millions)

 	  	September 30, 2015	 	  	June 30, 2015	 	 	March 31, 2015	 	 	December 31, 2014	 	 	September 30, 2014	 	
 	  	Fair Value	 	  	% of
Total	 	  	Fair Value	 	  	% of
Total	 	 	Fair Value	 	  	% of
Total	 	 	Fair Value	 	  	% of
Total	 	 	Fair Value	 	  	% of
Total	 	
Fixed Maturity Securities—Security Sector:	  				  			 	  				  				 				  				 				  				 				  				
U.S. government, agencies and government-sponsored enterprises	  	$	5,913	  	  	 	10	% 	  	$	5,721	  	  	 	9	% 	 	$	6,132	  	  	 	10	% 	 	$	6,000	  	  	 	10	% 	 	$	5,642	  	  	 	9	% 	
State and political subdivisions	  	 	2,448	  	  	 	4	  	  	 	2,389	  	  	 	4	  	 	 	2,351	  	  	 	4	  	 	 	2,222	  	  	 	4	  	 	 	2,183	  	  	 	4	  	
Foreign government	  	 	1,952	  	  	 	3	  	  	 	1,970	  	  	 	3	  	 	 	1,853	  	  	 	3	  	 	 	1,920	  	  	 	3	  	 	 	1,828	  	  	 	3	  	
U.S. corporate	  	 	25,695	  	  	 	43	  	  	 	25,151	  	  	 	42	  	 	 	25,820	  	  	 	42	  	 	 	25,236	  	  	 	41	  	 	 	25,017	  	  	 	41	  	
Foreign corporate	  	 	13,199	  	  	 	22	  	  	 	13,797	  	  	 	23	  	 	 	14,103	  	  	 	23	  	 	 	14,263	  	  	 	23	  	 	 	14,743	  	  	 	24	  	
Residential mortgage-backed securities	  	 	5,118	  	  	 	8	  	  	 	5,085	  	  	 	9	  	 	 	5,153	  	  	 	8	  	 	 	5,228	  	  	 	9	  	 	 	5,142	  	  	 	8	  	
Commercial mortgage-backed securities	  	 	2,587	  	  	 	4	  	  	 	2,582	  	  	 	4	  	 	 	2,690	  	  	 	4	  	 	 	2,702	  	  	 	4	  	 	 	2,728	  	  	 	5	  	
Other asset-backed securities	  	 	3,939	  	  	 	6	  	  	 	3,873	  	  	 	6	  	 	 	3,802	  	  	 	6	  	 	 	3,705	  	  	 	6	  	 	 	3,808	  	  	 	6	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total fixed maturity securities	  	$	60,851	  	  	 	100	% 	  	$	60,568	  	  	 	100	% 	 	$	61,904	  	  	 	100	% 	 	$	61,276	  	  	 	100	% 	 	$	61,091	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Corporate Bond Holdings—Industry Sector:	  				  			 	  				  				 				  				 				  				 				  				
Investment Grade:	  				  			 	  				  				 				  				 				  				 				  				
Finance and insurance	  	$	8,346	  	  	 	23	% 	  	$	8,103	  	  	 	22	% 	 	$	8,273	  	  	 	22	% 	 	$	8,185	  	  	 	22	% 	 	$	8,253	  	  	 	22	% 	
Utilities	  	 	4,630	  	  	 	12	  	  	 	4,580	  	  	 	12	  	 	 	4,798	  	  	 	13	  	 	 	4,694	  	  	 	13	  	 	 	5,194	  	  	 	14	  	
Energy	  	 	4,261	  	  	 	11	  	  	 	4,416	  	  	 	12	  	 	 	4,564	  	  	 	12	  	 	 	4,531	  	  	 	12	  	 	 	3,982	  	  	 	11	  	
Consumer—non-cyclical	  	 	4,668	  	  	 	13	  	  	 	4,525	  	  	 	12	  	 	 	4,631	  	  	 	12	  	 	 	4,602	  	  	 	12	  	 	 	4,598	  	  	 	12	  	
Consumer—cyclical	  	 	2,301	  	  	 	6	  	  	 	2,337	  	  	 	6	  	 	 	2,373	  	  	 	6	  	 	 	2,358	  	  	 	6	  	 	 	2,362	  	  	 	6	  	
Capital goods	  	 	2,483	  	  	 	7	  	  	 	2,450	  	  	 	7	  	 	 	2,429	  	  	 	7	  	 	 	2,423	  	  	 	7	  	 	 	2,354	  	  	 	6	  	
Industrial	  	 	2,143	  	  	 	6	  	  	 	2,237	  	  	 	6	  	 	 	2,320	  	  	 	6	  	 	 	2,252	  	  	 	6	  	 	 	2,290	  	  	 	6	  	
Technology and communications	  	 	3,111	  	  	 	8	  	  	 	3,120	  	  	 	9	  	 	 	3,104	  	  	 	8	  	 	 	3,037	  	  	 	8	  	 	 	3,084	  	  	 	8	  	
Transportation	  	 	1,700	  	  	 	5	  	  	 	1,634	  	  	 	5	  	 	 	1,692	  	  	 	4	  	 	 	1,614	  	  	 	4	  	 	 	1,658	  	  	 	5	  	
Other	  	 	3,232	  	  	 	9	  	  	 	3,374	  	  	 	9	  	 	 	3,522	  	  	 	10	  	 	 	3,748	  	  	 	10	  	 	 	3,865	  	  	 	10	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	36,875	  	  	 	100	% 	  	 	36,776	  	  	 	100	% 	 	 	37,706	  	  	 	100	% 	 	 	37,444	  	  	 	100	% 	 	 	37,640	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Non-Investment Grade:	  				  			 	  				  				 				  				 				  				 				  				
Finance and insurance	  	 	380	  	  	 	19	% 	  	 	443	  	  	 	20	% 	 	 	471	  	  	 	21	% 	 	 	480	  	  	 	23	% 	 	 	481	  	  	 	22	% 	
Utilities	  	 	67	  	  	 	3	  	  	 	67	  	  	 	3	  	 	 	67	  	  	 	3	  	 	 	83	  	  	 	5	  	 	 	100	  	  	 	5	  	
Energy	  	 	401	  	  	 	20	  	  	 	408	  	  	 	19	  	 	 	363	  	  	 	16	  	 	 	261	  	  	 	13	  	 	 	291	  	  	 	14	  	
Consumer—non-cyclical	  	 	229	  	  	 	11	  	  	 	257	  	  	 	12	  	 	 	262	  	  	 	12	  	 	 	229	  	  	 	11	  	 	 	211	  	  	 	10	  	
Consumer—cyclical	  	 	98	  	  	 	5	  	  	 	99	  	  	 	5	  	 	 	117	  	  	 	5	  	 	 	91	  	  	 	4	  	 	 	71	  	  	 	3	  	
Capital goods	  	 	204	  	  	 	10	  	  	 	234	  	  	 	11	  	 	 	236	  	  	 	11	  	 	 	214	  	  	 	10	  	 	 	292	  	  	 	14	  	
Industrial	  	 	254	  	  	 	13	  	  	 	240	  	  	 	11	  	 	 	238	  	  	 	11	  	 	 	260	  	  	 	13	  	 	 	254	  	  	 	12	  	
Technology and communications	  	 	293	  	  	 	14	  	  	 	337	  	  	 	15	  	 	 	364	  	  	 	16	  	 	 	354	  	  	 	17	  	 	 	358	  	  	 	17	  	
Transportation	  	 	2	  	  	 	—  	  	  	 	3	  	  	 	—  	  	 	 	19	  	  	 	1	  	 	 	19	  	  	 	1	  	 	 	20	  	  	 	1	  	
Other	  	 	91	  	  	 	5	  	  	 	84	  	  	 	4	  	 	 	80	  	  	 	4	  	 	 	64	  	  	 	3	  	 	 	42	  	  	 	2	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	2,019	  	  	 	100	% 	  	 	2,172	  	  	 	100	% 	 	 	2,217	  	  	 	100	% 	 	 	2,055	  	  	 	100	% 	 	 	2,120	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total	  	$	38,894	  	  	 	100	% 	  	$	38,948	  	  	 	100 	% 	 	$	39,923	  	  	 	100	% 	 	$	39,499	  	  	 	100	% 	 	$	39,760	  	  	 	100	% 	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Fixed Maturity Securities—Contractual Maturity Dates:	  				  			 	  				  				 				  				 				  				 				  				
	 	 									
Due in one year or less	  	$	2,147	  	  	 	4	% 	  	$	2,069	  	  	 	3	% 	 	$	1,870	  	  	 	3	% 	 	$	2,060	  	  	 	3	% 	 	$	2,406	  	  	 	4	% 	
Due after one year through five years	  	 	10,950	  	  	 	18	  	  	 	11,069	  	  	 	19	  	 	 	10,965	  	  	 	18	  	 	 	10,776	  	  	 	18	  	 	 	10,315	  	  	 	17	  	
Due after five years through ten years	  	 	12,155	  	  	 	20	  	  	 	12,212	  	  	 	20	  	 	 	12,198	  	  	 	20	  	 	 	12,334	  	  	 	20	  	 	 	12,934	  	  	 	21	  	
Due after ten years	  	 	23,955	  	  	 	40	  	  	 	23,678	  	  	 	39	  	 	 	25,226	  	  	 	41	  	 	 	24,471	  	  	 	40	  	 	 	23,758	  	  	 	39	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Subtotal	  	 	49,207	  	  	 	82	  	  	 	49,028	  	  	 	81	  	 	 	50,259	  	  	 	82	  	 	 	49,641	  	  	 	81	  	 	 	49,413	  	  	 	81	  	
Mortgage and asset-backed securities	  	 	11,644	  	  	 	18	  	  	 	11,540	  	  	 	19	  	 	 	11,645	  	  	 	18	  	 	 	11,635	  	  	 	19	  	 	 	11,678	  	  	 	19	  	
	  	 	 	 	  	 	 	 	  	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	 	 	 	 	  	 	 	 	
Total fixed maturity securities	  	$	60,851	  	  	 	100	% 	  	$	60,568	  	  	 	100	% 	 	$	61,904	  	  	 	100	% 	 	$	61,276	  	  	 	100	% 	 	$	61,091	  	  	 	100	% 	

 
57

Table of Contents
GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 
 General Account GAAP Net Investment Income Yields
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
GAAP Net Investment Income	  			 	  				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	$	647	  	  	$	645	  	 	$	632	  	 	$	1,924	  	 	$	658	  	 	$	643	  	 	$	658	  	 	$	639	  	 	$	2,598	  	
Fixed maturity securities—non-taxable	  	 	3	  	  	 	3	  	 	 	3	  	 	 	9	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	12	  	
Commercial mortgage loans	  	 	84	  	  	 	83	  	 	 	85	  	 	 	252	  	 	 	87	  	 	 	82	  	 	 	81	  	 	 	83	  	 	 	333	  	
Restricted commercial mortgage loans related to securitization entities	  	 	3	  	  	 	3	  	 	 	4	  	 	 	10	  	 	 	3	  	 	 	3	  	 	 	4	  	 	 	4	  	 	 	14	  	
Equity securities	  	 	3	  	  	 	4	  	 	 	4	  	 	 	11	  	 	 	3	  	 	 	3	  	 	 	4	  	 	 	4	  	 	 	14	  	
Other invested assets	  	 	22	  	  	 	17	  	 	 	33	  	 	 	72	  	 	 	22	  	 	 	17	  	 	 	12	  	 	 	18	  	 	 	69	  	
Limited partnerships	  	 	4	  	  	 	20	  	 	 	7	  	 	 	31	  	 	 	2	  	 	 	10	  	 	 	13	  	 	 	11	  	 	 	36	  	
Restricted other invested assets related to securitization entities	  	 	1	  	  	 	1	  	 	 	1	  	 	 	3	  	 	 	2	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	5	  	
Policy loans	  	 	33	  	  	 	35	  	 	 	33	  	 	 	101	  	 	 	34	  	 	 	32	  	 	 	32	  	 	 	31	  	 	 	129	  	
Cash, cash equivalents and short-term investments	  	 	3	  	  	 	4	  	 	 	3	  	 	 	10	  	 	 	5	  	 	 	7	  	 	 	7	  	 	 	5	  	 	 	24	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	803	  	  	 	815	  	 	 	805	  	 	 	2,423	  	 	 	819	  	 	 	801	  	 	 	815	  	 	 	799	  	 	 	3,234	  	
Expenses and fees	  	 	(20	) 	  	 	(22	) 	 	 	(24	) 	 	 	(66	) 	 	 	(22	) 	 	 	(23	) 	 	 	(24	) 	 	 	(23	) 	 	 	(92	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	$	783	  	  	$	793	  	 	$	781	  	 	$	2,357	  	 	$	797	  	 	$	778	  	 	$	791	  	 	$	776	  	 	$	3,142	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Annualized Yields	  			 	  				 				 				 				 				 				 				 				
Fixed maturity securities—taxable	  	 	4.6	% 	  	 	4.6	% 	 	 	4.6	% 	 	 	4.6	% 	 	 	4.7	% 	 	 	4.6	% 	 	 	4.8	% 	 	 	4.7	% 	 	 	4.7	% 	
Fixed maturity securities—non-taxable	  	 	3.5	% 	  	 	3.5	% 	 	 	3.5	% 	 	 	3.5	% 	 	 	3.5	% 	 	 	3.4	% 	 	 	3.5	% 	 	 	3.7	% 	 	 	3.5	% 	
Commercial mortgage loans	  	 	5.5	% 	  	 	5.4	% 	 	 	5.6	% 	 	 	5.5	% 	 	 	5.7	% 	 	 	5.4	% 	 	 	5.5	% 	 	 	5.6	% 	 	 	5.6	% 	
Restricted commercial mortgage loans related to securitization entities	  	 	6.4	% 	  	 	7.2	% 	 	 	8.2	% 	 	 	7.2	% 	 	 	5.8	% 	 	 	6.6	% 	 	 	6.7	% 	 	 	7.0	% 	 	 	6.6	% 	
Equity securities	  	 	4.0	% 	  	 	5.6	% 	 	 	6.1	% 	 	 	5.2	% 	 	 	4.6	% 	 	 	4.4	% 	 	 	5.5	% 	 	 	5.2	% 	 	 	5.0	% 	
Other invested assets	  	 	22.2	% 	  	 	24.2	% 	 	 	60.6	% 	 	 	31.3	% 	 	 	37.1	% 	 	 	27.7	% 	 	 	18.7	% 	 	 	26.3	% 	 	 	27.3	% 	
Limited partnerships (1)	  	 	7.8	% 	  	 	37.0	% 	 	 	12.0	% 	 	 	18.8	% 	 	 	3.1	% 	 	 	15.3	% 	 	 	19.6	% 	 	 	16.1	% 	 	 	13.6	% 	
Restricted other invested assets related to securitization entities	  	 	1.0	% 	  	 	1.0	% 	 	 	1.0	% 	 	 	1.0	% 	 	 	2.1	% 	 	 	1.0	% 	 	 	1.0	% 	 	 	1.0	% 	 	 	1.3	% 	
Policy loans	  	 	8.4	% 	  	 	9.1	% 	 	 	8.8	% 	 	 	8.7	% 	 	 	9.0	% 	 	 	8.5	% 	 	 	8.7	% 	 	 	8.6	% 	 	 	8.7	% 	
Cash, cash equivalents and short-term investments	  	 	0.3	% 	  	 	0.3	% 	 	 	0.2	% 	 	 	0.3	% 	 	 	0.5	% 	 	 	0.8	% 	 	 	0.7	% 	 	 	0.5	% 	 	 	0.6	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Gross investment income before expenses and fees	  	 	4.6	% 	  	 	4.6	% 	 	 	4.6	% 	 	 	4.6	% 	 	 	4.7	% 	 	 	4.6	% 	 	 	4.7	% 	 	 	4.7	% 	 	 	4.7	% 	
Expenses and fees	  	 	-0.1	% 	  	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	 	 	-0.1	% 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment income	  	 	4.5	% 	  	 	4.5	% 	 	 	4.5	% 	 	 	4.5	% 	 	 	4.6	% 	 	 	4.5	% 	 	 	4.6	% 	 	 	4.6	% 	 	 	4.6	% 	

Yields are based on net investment income as reported under 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 62 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
THIRD QUARTER 2015
 
 Net Investment Gains (Losses), Net—Detail (1) 
(amounts in millions)

 	  	2015	 	 	2014	 	
 	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
Net realized gains (losses) on available-for-sale securities:	  			 	  				 				 				 				 				 				 				 				
Fixed maturity securities:	  			 	  				 				 				 				 				 				 				 				
U.S. corporate	  	$	(2	) 	  	$	—  	  	 	$	—  	  	 	$	(2	) 	 	$	1	  	 	$	5	  	 	$	(6	) 	 	$	(9	) 	 	$	(9	) 	
U.S. government, agencies and government-sponsored enterprises	  	 	—  	  	  	 	—  	  	 	 	1	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	3	  	
Foreign corporate	  	 	(1	) 	  	 	(1	) 	 	 	(4	) 	 	 	(6	) 	 	 	1	  	 	 	2	  	 	 	13	  	 	 	(3	) 	 	 	13	  	
Foreign government	  	 	—  	  	  	 	1	  	 	 	—  	  	 	 	1	  	 	 	1	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	1	  	
Tax-exempt	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	
Mortgage-backed securities	  	 	(2	) 	  	 	1	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	
Asset-backed securities	  	 	(1	) 	  	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Equity securities	  	 	2	  	  	 	8	  	 	 	5	  	 	 	15	  	 	 	1	  	 	 	2	  	 	 	6	  	 	 	1	  	 	 	10	  	
Foreign exchange	  	 	1	  	  	 	—  	  	 	 	1	  	 	 	2	  	 	 	—  	  	 	 	—  	  	 	 	1	  	 	 	—  	  	 	 	1	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total net realized gains (losses) on available-for-sale securities	  	 	(3	) 	  	 	9	  	 	 	3	  	 	 	9	  	 	 	5	  	 	 	8	  	 	 	16	  	 	 	(12	) 	 	 	17	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Impairments:	  			 	  				 				 				 				 				 				 				 				
Alt-A residential mortgage-backed securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	
Financial hybrid securities	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	(3	) 	
Corporate fixed maturity securities	  	 	(4	) 	  	 	—  	  	 	 	—  	  	 	 	(4	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
Commercial mortgage loans	  	 	(1	) 	  	 	—  	  	 	 	(2	) 	 	 	(3	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	(1	) 	 	 	(2	) 	
Other asset-backed securities	  	 	(1	) 	  	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Total impairments	  	 	(6	) 	  	 	—  	  	 	 	(2	) 	 	 	(8	) 	 	 	—  	  	 	 	(4	) 	 	 	(1	) 	 	 	(1	) 	 	 	(6	) 	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net unrealized gains (losses) on trading securities	  	 	8	  	  	 	(11	) 	 	 	4	  	 	 	1	  	 	 	10	  	 	 	3	  	 	 	5	  	 	 	8	  	 	 	26	  	
Derivative instruments	  	 	(34	) 	  	 	4	  	 	 	(21	) 	 	 	(51	) 	 	 	(24	) 	 	 	(25	) 	 	 	(4	) 	 	 	(14	) 	 	 	(67	) 	
Limited partnerships	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	(1	) 	
Commercial mortgage loans held-for-sale market valuation allowance	  	 	—  	  	  	 	2	  	 	 	1	  	 	 	3	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	2	  	 	 	8	  	
Contingent purchase price valuation change	  	 	2	  	  	 	—  	  	 	 	—  	  	 	 	2	  	 	 	—  	  	 	 	(1	) 	 	 	—  	  	 	 	—  	  	 	 	(1	) 	
Net gains (losses) related to securitization entities	  	 	—  	  	  	 	1	  	 	 	5	  	 	 	6	  	 	 	1	  	 	 	(1	) 	 	 	6	  	 	 	4	  	 	 	10	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net of taxes	  	 	(33	) 	  	 	5	  	 	 	(10	) 	 	 	(38	) 	 	 	(6	) 	 	 	(18	) 	 	 	23	  	 	 	(13	) 	 	 	(14	) 	
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes	  	 	6	  	  	 	5	  	 	 	4	  	 	 	15	  	 	 	1	  	 	 	6	  	 	 	1	  	 	 	1	  	 	 	9	  	
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes	  	 	5	  	  	 	(6	) 	 	 	5	  	 	 	4	  	 	 	1	  	 	 	2	  	 	 	(4	) 	 	 	1	  	 	 	—  	  	
	  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
Net investment gains (losses), net	  	$	(22	) 	  	$	4	  	 	$	(1	) 	 	$	(19	) 	 	$	(4	) 	 	$	(10	) 	 	$	20	  	 	$	(11	) 	 	$	(5	) 	

 

(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
THIRD QUARTER 2015
 Reconciliation of Operating ROE
(amounts in millions)

Twelve Month Rolling Average ROE	  	Twelve months ended	 	
 	  	September 30,
2015	 	 	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended (1)	  	$	(1,083	) 	 	$	(1,643	) 	 	$	(1,274	) 	 	$	(1,244	) 	 	$	(276	) 	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	10,564	  	 	$	10,958	  	 	$	11,288	  	 	$	11,532	  	 	$	11,770	  	
GAAP Basis ROE (1)/(2)	  	 	-10.3	% 	 	 	-15.0	% 	 	 	-11.3	% 	 	 	-10.8	% 	 	 	-2.3	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the twelve months ended (1)	  	$	(78	) 	 	$	(465	) 	 	$	(430	) 	 	$	(398	) 	 	$	197	  	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) (2)	  	$	10,564	  	 	$	10,958	  	 	$	11,288	  	 	$	11,532	  	 	$	11,770	  	
Operating ROE (1)/(2)	  	 	-0.7	% 	 	 	-4.2	% 	 	 	-3.8	% 	 	 	-3.5	% 	 	 	1.7	% 	
		
Quarterly Average ROE	  	Three months ended	 	
 	  	September 30,
2015	 	 	June 30,
2015	 	 	March 31,
2015	 	 	December 31,
2014	 	 	September 30,
2014	 	
GAAP Basis ROE	  				 				 				 				 				
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended (3)	  	$	(284	) 	 	$	(193	) 	 	$	154	  	 	$	(760	) 	 	$	(844	) 	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	10,241	  	 	$	10,507	  	 	$	10,555	  	 	$	10,854	  	 	$	11,651	  	
Annualized GAAP Quarterly Basis ROE (3)/(4)	  	 	-11.1	% 	 	 	-7.3	% 	 	 	5.8	% 	 	 	-28.0	% 	 	 	-29.0	% 	
						
Operating ROE	  				 				 				 				 				
Net operating income (loss) for the period ended (3)	  	$	64	  	 	$	119	  	 	$	154	  	 	$	(415	) 	 	$	(323	) 	
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss) (4)	  	$	10,241	  	 	$	10,507	  	 	$	10,555	  	 	$	10,854	  	 	$	11,651	  	
Annualized Operating Quarterly Basis ROE (3)/(4)	  	 	2.5	% 	 	 	4.5	% 	 	 	5.8	% 	 	 	-15.3	% 	 	 	-11.1	% 	
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 is not a substitute for net income (loss) available to Genworth Financial, Inc.’s common stockholders divided by average ending Genworth Financial, Inc.’s stockholders’ equity determined in accordance with GAAP.

(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), 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
THIRD QUARTER 2015
 
 Reconciliation of Core Yield

 	 	 	  	2015	 	 	2014	 	
 	 	(Assets— amounts in billions)	  	3Q	 	  	2Q	 	 	1Q	 	 	Total	 	 	4Q	 	 	3Q	 	 	2Q	 	 	1Q	 	 	Total	 	
	 	Reported—Total Invested Assets and Cash	  	$	75.9	  	  	$	75.5	  	 	$	78.1	  	 	$	75.9	  	 	$	76.7	  	 	$	75.1	  	 	$	75.3	  	 	$	73.2	  	 	$	76.7	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				
	 	Securities lending	  	 	0.4	  	  	 	0.3	  	 	 	0.3	  	 	 	0.4	  	 	 	0.3	  	 	 	0.3	  	 	 	0.3	  	 	 	0.3	  	 	 	0.3	  	
	 	Unrealized gains (losses)	  	 	5.4	  	  	 	4.9	  	 	 	7.8	  	 	 	5.4	  	 	 	6.6	  	 	 	5.3	  	 	 	5.5	  	 	 	4.2	  	 	 	6.6	  	
	 	Derivative counterparty collateral	  	 	—  	  	  	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	—  	  	 	 	0.5	  	 	 	0.4	  	 	 	0.4	  	 	 	—  	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	 	Adjusted end of period invested assets and cash	  	$	70.1	  	  	$	70.3	  	 	$	70.0	  	 	$	70.1	  	 	$	69.8	  	 	$	69.0	  	 	$	69.1	  	 	$	68.3	  	 	$	69.8	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(A)	 	Average Invested Assets and Cash Used in Reported Yield Calculation	  	$	70.2	  	  	$	70.2	  	 	$	69.9	  	 	$	70.1	  	 	$	69.4	  	 	$	69.1	  	 	$	68.7	  	 	$	68.2	  	 	$	68.9	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				
	 	Restricted commercial mortgage loans and other invested assets related to securitization entities (1)	  	 	0.2	  	  	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	 	 	0.2	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(B)	 	Average Invested Assets and Cash Used in Core Yield Calculation	  	 	70.0	  	  	 	70.0	  	 	 	69.7	  	 	 	69.9	  	 	 	69.2	  	 	 	68.9	  	 	 	68.5	  	 	 	68.0	  	 	 	68.7	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				
	 	Portfolios supporting floating products and non-recourse funding obligations (2)	  	 	3.5	  	  	 	3.6	  	 	 	3.7	  	 	 	3.6	  	 	 	3.9	  	 	 	4.0	  	 	 	4.2	  	 	 	4.3	  	 	 	4.1	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(C)	 	Average Invested Assets and Cash Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	  	$	66.5	  	  	$	66.4	  	 	$	66.0	  	 	$	66.3	  	 	$	65.3	  	 	$	64.9	  	 	$	64.3	  	 	$	63.7	  	 	$	64.6	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
	 	(Income—amounts in millions)	  			 	  				 				 				 				 				 				 				 				
		 									
(D)	 	Reported—Net Investment Income	  	$	783	  	  	$	793	  	 	$	781	  	 	$	2,357	  	 	$	797	  	 	$	778	  	 	$	791	  	 	$	776	  	 	$	3,142	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				
	 	Bond calls and commercial mortgage loan prepayments	  	 	12	  	  	 	17	  	 	 	14	  	 	 	43	  	 	 	18	  	 	 	17	  	 	 	7	  	 	 	10	  	 	 	52	  	
	 	Other non-core items (3)	  	 	1	  	  	 	(4	) 	 	 	7	  	 	 	4	  	 	 	8	  	 	 	(22	) 	 	 	8	  	 	 	(7	) 	 	 	(13	) 	
	 	Restricted commercial mortgage loans and other invested assets related to securitization entities (1)	  	 	2	  	  	 	2	  	 	 	3	  	 	 	7	  	 	 	2	  	 	 	3	  	 	 	3	  	 	 	3	  	 	 	11	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(E)	 	Core Net Investment Income	  	 	768	  	  	 	778	  	 	 	757	  	 	 	2,303	  	 	 	769	  	 	 	780	  	 	 	773	  	 	 	770	  	 	 	3,092	  	
	 	Subtract:	  			 	  				 				 				 				 				 				 				 				
	 	Investment income from portfolios supporting floating products and non-recourse funding obligations (2)	  	 	21	  	  	 	26	  	 	 	20	  	 	 	67	  	 	 	21	  	 	 	22	  	 	 	23	  	 	 	21	  	 	 	87	  	
	 		  	 	 	 	  	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	
(F)	 	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	  	$	747	  	  	$	752	  	 	$	737	  	 	$	2,236	  	 	$	748	  	 	$	758	  	 	$	750	  	 	$	749	  	 	$	3,005	  	

(D) / (A)	 	Reported Yield	  	 	4.46	% 	  	 	4.52	% 	 	 	4.47	% 	 	 	4.49	% 	 	 	4.59	% 	 	 	4.50	% 	 	 	4.61	% 	 	 	4.55	% 	 	 	4.56	% 	
(E) / (B)	 	Core Yield	  	 	4.39	% 	  	 	4.45	% 	 	 	4.34	% 	 	 	4.40	% 	 	 	4.45	% 	 	 	4.53	% 	 	 	4.51	% 	 	 	4.53	% 	 	 	4.50	% 	
(F) / (C)	 	Core Yield (excl. Floating and Non-Recourse Funding)	  	 	4.49	% 	  	 	4.53	% 	 	 	4.47	% 	 	 	4.50	% 	 	 	4.58	% 	 	 	4.67	% 	 	 	4.67	% 	 	 	4.70	% 	 	 	4.66	% 	

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 is not a substitute for investment yield determined in accordance with GAAP.

(1)  	Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.	
(2)  	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.	
(3)  	Includes cost basis adjustments on structured securities and various other immaterial items.	
 
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 Corporate Information
 
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GENWORTH FINANCIAL, INC.
FINANCIAL SUPPLEMENT
THIRD QUARTER 2015
 Financial Strength Ratings As Of October 28, 2015

Company	  	Standard & Poor’s Financial
Services LLC (S&P)	  	Moody’s Investors Service, Inc.
(Moody’s)	  	A.M. Best Company, Inc.
(A.M. Best)	
Genworth Financial Mortgage Insurance Company Canada (1)	  	A+	  	Not rated	  	Not rated	
Genworth Financial Mortgage Insurance Pty Limited (Australia) (2)	  	A+	  	A3	  	Not rated	
Genworth Financial Mortgage Insurance Limited (Europe)	  	BB-	  	Not rated	  	Not rated	
Genworth Seguros de Credito a la Vivienda S.A. de C.V. (3)	  	Not rated	  	Aa3.mx	  	Not rated	
Genworth Mortgage Insurance Corporation	  	BB+	  	Ba1	  	Not rated	
Genworth Life Insurance Company	  	BBB-	  	Baa1	  	A-	
Genworth Life and Annuity Insurance Company	  	BBB-	  	Baa1	  	A-	
Genworth Life Insurance Company of New York	  	BBB-	  	Baa1	  	A-	
Financial Assurance Company Limited	  	A-	  	Not rated	  	Not rated	
Financial Insurance Company Limited	  	A-	  	Not rated	  	Not rated	
The S&P, Moody’s, A.M. Best, Dominion Bond Rating Service (DBRS) and Fitch Rating Service (Fitch) 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.
S&P states that insurers rated “A” (Strong), “BBB” (Good) or “BB” (Marginal) have strong, good or marginal financial security characteristics, respectively. The “A,” “BBB” and “BB” ranges are the third-, fourth- and fifth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing within a major rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “A+,” “A-,” “BBB-,” “BB+” and “BB-” ratings are the fifth-, seventh-, tenth-, eleventh- and thirteenth-highest of S&P’s 21 ratings categories.
Moody’s states that insurance companies rated “A” (Good) offer good financial security, that insurance companies rated “Baa” (Adequate) offer adequate financial security and that insurance companies rated “Ba” (Questionable) offer questionable financial security. The “A” (Good), “Baa” (Adequate) and “Ba” (Questionable) ranges are the third-, fourth- and fifth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the group, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A3,” “Baa1” and “Ba1” ratings are the seventh-, eighth- and eleventh-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 fourth-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.
The Australian mortgage insurance subsidiary also solicits a rating from Fitch. Fitch states that “A” (Strong) rated insurance companies are viewed as possessing strong capacity to meet policyholder and contract obligations. The “A” rating category is the third-highest of nine financial strength rating categories, which range from “AAA” to “C.” The symbol (+) or (-) may be appended to a rating to indicate the relative position of a credit within a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “B” category. Accordingly, the “A+” rating is the fifth-highest of Fitch’s 21 ratings categories.
S&P, Moody’s, A.M. Best, DBRS and Fitch 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.

(1)  	Genworth Financial Mortgage Insurance Company Canada is also rated “AA” by DBRS.	
(2)  	Genworth Financial Mortgage Insurance Pty Limited (Australia) is also rated “A+” by Fitch.	
(3)  	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.	
 
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