Exhibit 99.2

Exhibit 99.2

LOGO

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009


Table of Contents		Page
Investor Letter		3
Use of Non-GAAP Measures and Selected Operating Performance Measures		4
Financial Highlights		5

*Fourth Quarter Results*
Net Income (Loss)		7
Net Operating Income (Loss) by Segment		8
Consolidated Net Income (Loss) by Quarter		9
Net Operating Income (Loss) by Segment by Quarter		10
Consolidated Balance Sheets		11-12
Consolidated Balance Sheets by Segment		13-14
Deferred Acquisition Costs Rollforward		15

*Quarterly Results by Segment*
Net Operating Income (Loss) by Segment		17-20
Net Operating Income (Loss) and Sales—Retirement and Protection		22-31
Net Operating Income and Sales—International		33-43
Net Operating Loss and Sales—U.S. Mortgage Insurance		45-54
Net Operating Income (Loss)—Corporate and Other		56

*Additional Financial Data*
Investments Summary		58
Fixed Maturity Securities Summary		59
Additional Information on Mortgage-backed and Asset-backed Securities by Vintage		60
Commercial Mortgage Loans Summary		61-62
General Account GAAP Net Investment Income Yields		63
Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail		64

*Reconciliations of Non-GAAP Measures*
Reconciliation of Operating Return on Equity (ROE)		66
Reconciliation of Expense Ratio		67
Reconciliation of Core Premiums		68
Reconciliation of Core Yield		69

*Corporate Information*
Industry Ratings		71-72

Note:

Unless otherwise noted, references in this financial supplement to net income (loss), net income (loss) per share, net operating income (loss), net operating income (loss) per share, book value and book value per common share should be read as net income (loss) available to Genworth Financial, Inc.’s common stockholders, net income (loss) available to Genworth Financial, Inc.’s common stockholders per share, net operating income (loss) available to Genworth Financial, Inc.’s common stockholders, net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per share, book value available to Genworth Financial, Inc.’s common stockholders and book value available to Genworth Financial, Inc.’s common stockholders per share, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Dear Investor,

In December 2009, the company began reporting the institutional and corporate-owned life insurance products in Corporate and Other activities, as they were deemed non-strategic. These products were previously included in the Retirement and Protection segment, with the corporate-owned life insurance product reported as part of the long-term care insurance business. All prior period amounts have been re-presented.

Once again, thank you for your continued interest in Genworth Financial.

Please feel free to call with any questions or comments.

Regards,

Alicia Charity

Senior Vice President

Investor Relations

804 662.2248

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

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 net income attributable to noncontrolling interests, after-tax net investment gains (losses) and other adjustments and infrequent or unusual non-operating items. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A significant component of net investment gains (losses) is the result of impairments, size and the timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) are often subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. 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 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), are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. However, net operating income (loss) is not a substitute for net income (loss) available to Genworth Financial, Inc.’s common stockholders determined in accordance with GAAP. In addition, the company’s definition of net operating income (loss) may differ from the definitions used by other companies. The table on page 8 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 three and twelve months ended December 31, 2009 and 2008. 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 66 through 69 of this financial supplement.

Selected Operating Performance Measures

This financial supplement contains selected operating performance measures including “sales,” “assets under management” and “insurance in-force” or “risk in-force” which are commonly used in the insurance and investment industries as measures of operating performance.

Management regularly monitors and reports the sales metrics as a measure of volume of new and renewal business generated in a period. “Sales” refer to (1) annualized first-year premiums for term life insurance, long-term care insurance and Medicare supplement insurance; (2) new and additional premiums/deposits for universal life insurance, linked-benefits, spread-based and variable products; (3) gross and net flows, which represent gross flows less redemptions, for the wealth management business; (4) written premiums and deposits, gross of ceded reinsurance and cancellations, and premium equivalents, where the company earns a fee for administrative services only business, for lifestyle protection insurance business; (5) new insurance written for mortgage insurance, which in each case reflects the amount of business the company generated during each period presented; and (6) written premiums, net of cancellations, for the Mexican insurance operations. Sales do not include renewal premiums on policies or contracts written during prior periods.

The company considers annualized first-year premiums, new premiums/deposits, gross and net flows, written premiums, premium equivalents and new insurance written to be measures 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 measures of the company’s revenues or profitability during that period.

Management regularly monitors and reports assets under management for the wealth management business, insurance in-force and risk in-force. Assets under management for the wealth management business represent third-party assets under management that are not consolidated in the financial statements. Insurance in-force for the life insurance, international and U.S. mortgage insurance businesses is a measure of the aggregate face value of outstanding insurance policies as of the respective reporting date. Risk in-force for the international and U.S. mortgage insurance businesses is a measure that recognizes that the loss on any particular mortgage loan will be reduced by the net proceeds received upon sale of the underlying property. The company considers assets under management for its wealth management business, 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, rather than measures of the company’s revenues or profitability during that period.

This financial supplement also includes a metric related to loss mitigation activities for the U.S. mortgage insurance business. The company defines loss mitigation activities as rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled pre-sales and other loan workouts and claim mitigation actions. Estimated savings related to rescissions are the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings related to loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including pre-sales, the estimated savings represent the difference between the full claim obligation and the actual amount paid. The company believes that this metric helps to enhance the understanding of the operating performance of the U.S. mortgage insurance business.

These operating measures enable the company to compare its operating performance across periods without regard to revenues or profitability related to policies or contracts sold in prior periods or from investments or other sources.

(1)	U.S. Generally Accepted Accounting Principles

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Financial Highlights

(amounts in millions, except per share data)


Balance Sheet Data	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008			September 30, 2008			June 30, 2008			March 31, 2008
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)	$	12,440		$	12,394		$	11,839		$	11,527		$	11,988		$	12,317		$	12,616		$	12,760
Total accumulated other comprehensive income (loss)		(164	)		23			(1,869	)		(3,298	)		(3,062	)		(1,819	)		(271	)		(35	)

Total Genworth Financial, Inc.’s stockholders’ equity	$	12,276		$	12,417		$	9,970		$	8,229		$	8,926		$	10,498		$	12,345		$	12,725

Book value per common share	$	25.12		$	25.42		$	23.01		$	19.00		$	20.60		$	24.24		$	28.52		$	29.41
Book value per common share, excluding accumulated other comprehensive income (loss)	$	25.46		$	25.37		$	27.33		$	26.61		$	27.67		$	28.44		$	29.14		$	29.49
Common shares outstanding as of balance sheet date		488.6			488.5			433.2			433.2			433.2			433.1			432.9			432.7

	Twelve months ended
Twelve Month Rolling Average ROE	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
GAAP Basis ROE		-3.8	%		-6.8	%		-9.1	%		-9.5	%		-4.6	%
Operating ROE⁽¹⁾		1.6	%		-0.9	%		0.3	%		2.0	%		3.8	%

	Three months ended
Quarterly Average ROE	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
GAAP Basis ROE		1.3	%		0.6	%		-1.7	%		-16.0	%		-10.6	%
Operating ROE⁽¹⁾		3.0	%		2.7	%		0.3	%		0.5	%		-6.8	%


Basic and Diluted Shares	Three months ended December 31, 2009	Twelve months ended December 31, 2009⁽²⁾
Weighted-average shares used in basic earnings (loss) per common share calculations	488.6	451.1
Potentially dilutive securities:
Stock options, restricted stock units and stock appreciation rights	3.6	—

Weighted-average shares used in diluted earnings (loss) per common share calculations	492.2	451.1

⁽¹⁾	See page 66 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 net loss for the twelve months ended December 31, 2009, the inclusion of 1.9 million of shares for stock options, restricted stock units and stock appreciation rights would have been antidilutive to the calculation. If the company had not incurred a net loss for the twelve months ended December 31, 2009, dilutive potential common shares would have been 453.0 million.

Fourth Quarter Results

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Income (Loss)

(amounts in millions)


	Three months ended December 31,						Twelve months ended December 31,
	2009			2008			2009			2008
REVENUES:
Premiums	$	1,523		$	1,616		$	6,019		$	6,777
Net investment income		782			857			3,033			3,730
Net investment gains (losses)		(96	)		(149	)		(1,041	)		(1,709	)
Insurance and investment product fees and other		252			305			1,058			1,150

Total revenues		2,461			2,629			9,069			9,948

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,368			1,522			5,818			5,806
Interest credited		221			309			984			1,293
Acquisition and operating expenses, net of deferrals		503			566			1,884			2,160
Amortization of deferred acquisition costs and intangibles		180			298			782			884
Goodwill impairment		—			243			—			277
Interest expense		87			123			393			470

Total benefits and expenses		2,359			3,061			9,861			10,890

INCOME (LOSS) BEFORE INCOME TAXES		102			(432	)		(792	)		(942	)
Provision (benefit) for income taxes		27			(111	)		(393	)		(370	)
Effective tax rate		26.5	%		25.7	%		49.6	%		39.3	%

NET INCOME (LOSS)		75			(321	)		(399	)		(572	)
Less: net income attributable to noncontrolling interests		35			—			61			—

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	40		$	(321	)	$	(460	)	$	(572	)

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment

(amounts in millions, except per share amounts)


		Three months ended December 31,						Twelve months ended December 31,
		2009			2008			2009			2008
Retirement and Protection:
Wealth Management		$	7		$	8		$	28		$	43
Retirement Income			30			(310	)		8			(246	)
Life Insurance			43			49			217			264
Long-Term Care			49			54			171			166

Total Retirement and Protection⁽¹⁾			129			(199	)		424			227
International:
International Mortgage Insurance	—Canada⁽²⁾		37			67			206			305
	—Australia		45			40			148			185
	—Other		(4	)		(8	)		(25	)		(9	)
Lifestyle Protection Insurance			23			25			56			152

Total International			101			124			385			633
U.S. Mortgage Insurance			(74	)		(114	)		(459	)		(330	)
Corporate and Other⁽¹⁾			(62	)		(18	)		(152	)		(61	)

NET OPERATING INCOME (LOSS)			94			(207	)		198			469

ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net of taxes and other adjustments⁽³⁾			(54	)		(89	)		(658	)		(1,016	)
Expenses related to reorganization, net of taxes			—			(25	)		—			(25	)

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS			40			(321	)		(460	)		(572	)
Add: net income attributable to noncontrolling interests			35			—			61			—

NET INCOME (LOSS)		$	75		$	(321	)	$	(399	)	$	(572	)

Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic		$	0.08		$	(0.74	)	$	(1.02	)	$	(1.32	)
Diluted		$	0.08		$	(0.74	)	$	(1.02	)	$	(1.32	)
Net operating income (loss) per common share
Basic		$	0.19		$	(0.48	)	$	0.44		$	1.08
Diluted		$	0.19		$	(0.48	)	$	0.44		$	1.08
Weighted-average shares outstanding
Basic			488.6			433.1			451.1			433.2
Diluted			492.2			433.1			451.1			433.2

⁽¹⁾

⁽²⁾

Adjusted for 42.5% owned by noncontrolling interests beginning in the third quarter of 2009 following the initial public offering of the Canadian mortgage insurance business. The following table shows Canada net operating income assuming 100% ownership and then adjusts for the portion related to noncontrolling interests.


	Three months ended December 31,				Twelve months ended December 31,
	2009		2008		2009		2008
Canada’s net operating income	$	71	$	67	$	265	$	305
Less: net operating income attributable to noncontrolling interests		34		—		59		—

Canada’s net operating income available to Genworth’s common stockholders	$	37	$	67	$	206	$	305

⁽³⁾	See page 64 for details on net investment gains (losses), net of taxes and other adjustments.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1,523		$	1,492		$	1,502		$	1,502		$	6,019		$	1,616		$	1,735		$	1,709		$	1,717		$	6,777
Net investment income		782			759			781			711			3,033			857			918			953			1,002			3,730
Net investment gains (losses)		(96	)		(122	)		(53	)		(770	)		(1,041	)		(149	)		(816	)		(518	)		(226	)		(1,709	)
Insurance and investment product fees and other		252			262			253			291			1,058			305			331			254			260			1,150

Total revenues		2,461			2,391			2,483			1,734			9,069			2,629			2,168			2,398			2,753			9,948

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,368			1,450			1,492			1,508			5,818			1,522			1,497			1,386			1,401			5,806
Interest credited		221			225			263			275			984			309			319			320			345			1,293
Acquisition and operating expenses, net of deferrals		503			484			456			441			1,884			566			515			551			528			2,160
Amortization of deferred acquisition costs and intangibles		180			143			212			247			782			298			174			209			203			884
Goodwill impairment		—			—			—			—			—			243			34			—			—			277
Interest expense		87			96			114			96			393			123			125			110			112			470

Total benefits and expenses		2,359			2,398			2,537			2,567			9,861			3,061			2,664			2,576			2,589			10,890

INCOME (LOSS) BEFORE INCOME TAXES		102			(7	)		(54	)		(833	)		(792	)		(432	)		(496	)		(178	)		164			(942	)
Provision (benefit) for income taxes		27			(52	)		(4	)		(364	)		(393	)		(111	)		(238	)		(69	)		48			(370	)

NET INCOME (LOSS)		75			45			(50	)		(469	)		(399	)		(321	)		(258	)		(109	)		116			(572	)
Less: net income attributable to noncontrolling interests		35			26			—			—			61			—			—			—			—			—

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	40		$	19		$	(50	)	$	(469	)	$	(460	)	$	(321	)	$	(258	)	$	(109	)	$	116		$	(572	)


Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)	$	(0.74	)	$	(0.60	)	$	(0.25	)	$	0.27		$	(1.32	)
Diluted	$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)	$	(0.74	)	$	(0.60	)	$	(0.25	)	$	0.27		$	(1.32	)
Weighted-average shares outstanding
Basic		488.6			448.9			433.2			433.2			451.1			433.1			433.1			432.9			433.6			433.2
Diluted		492.2			451.6			433.2			433.2			451.1			433.1			433.1			432.9			436.8			433.2

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment by Quarter

(amounts in millions, except per share amounts)


		2009															2008
		4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Retirement and Protection:
Wealth Management		$	7		$	8		$	7		$	6		$	28		$	8		$	12		$	11		$	12		$	43
Retirement Income			30			9			16			(47	)		8			(310	)		2			26			36			(246	)
Life Insurance			43			78			58			38			217			49			63			87			65			264
Long-Term Care			49			39			42			41			171			54			39			35			38			166

Total Retirement and Protection			129			134			123			38			424			(199	)		116			159			151			227
International:
International Mortgage Insurance	—Canada		37			45			58			66			206			67			80			83			75			305
	—Australia		45			42			32			29			148			40			48			50			47			185
	—Other		(4	)		(9	)		(7	)		(5	)		(25	)		(8	)		(2	)		1			—			(9	)
Lifestyle Protection Insurance			23			18			4			11			56			25			40			49			38			152

Total International			101			96			87			101			385			124			166			183			160			633
U.S. Mortgage Insurance			(74	)		(116	)		(134	)		(135	)		(459	)		(114	)		(121	)		(59	)		(36	)		(330	)
Corporate and Other			(62	)		(33	)		(67	)		10			(152	)		(18	)		59			(71	)		(31	)		(61	)

NET OPERATING INCOME (LOSS)			94			81			9			14			198			(207	)		220			212			244			469

ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net of taxes and other adjustments			(54	)		(62	)		(59	)		(483	)		(658	)		(89	)		(478	)		(321	)		(128	)		(1,016	)
Expenses related to reorganization, net of taxes			—			—			—			—			—			(25	)		—			—			—			(25	)

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS			40			19			(50	)		(469	)		(460	)		(321	)		(258	)		(109	)		116			(572	)
Add: net income attributable to noncontrolling interests			35			26			—			—			61			—			—			—			—			—

NET INCOME (LOSS)		$	75		$	45		$	(50	)	$	(469	)	$	(399	)	$	(321	)	$	(258	)	$	(109	)	$	116		$	(572	)


Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)	$	(0.74	)	$	(0.60	)	$	(0.25	)	$	0.27		$	(1.32	)
Diluted		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)	$	(0.74	)	$	(0.60	)	$	(0.25	)	$	0.27		$	(1.32	)
Net operating income (loss) per common share
Basic		$	0.19		$	0.18		$	0.02		$	0.03		$	0.44		$	(0.48	)	$	0.51		$	0.49		$	0.56		$	1.08
Diluted		$	0.19		$	0.18		$	0.02		$	0.03		$	0.44		$	(0.48	)	$	0.51		$	0.49		$	0.56		$	1.08
Weighted-average shares outstanding
Basic			488.6			448.9			433.2			433.2			451.1			433.1			433.1			432.9			433.6			433.2
Diluted			492.2			451.6			433.2			433.2			451.1			433.1			433.1			432.9			436.8			433.2

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Consolidated Balance Sheets

(amounts in millions)


	December 31, 2009		September 30, 2009		June 30, 2009		March 31, 2009		December 31, 2008⁽¹⁾
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	49,752	$	47,746	$	44,322	$	41,319	$	42,871
Equity securities available-for-sale, at fair value		159		164		252		221		234
Commercial mortgage loans		7,499		7,704		7,872		8,023		8,262
Policy loans		1,403		1,408		2,087		1,842		1,834
Other invested assets		4,702		4,949		5,305		6,080		7,411

Total investments		63,515		61,971		59,838		57,485		60,612
Cash and cash equivalents		5,002		7,144		5,374		7,064		7,328
Accrued investment income		691		717		639		821		736
Deferred acquisition costs		7,341		7,414		7,591		7,716		7,786
Intangible assets		934		961		1,079		1,142		1,147
Goodwill		1,324		1,324		1,325		1,314		1,316
Reinsurance recoverable		17,332		17,308		17,412		17,398		17,212
Other assets		954		1,141		967		998		1,000
Deferred tax asset		92		140		996		1,631		1,037
Separate account assets		11,002		10,712		9,605		8,576		9,215

Total assets	$	108,187	$	108,832	$	104,826	$	104,145	$	107,389

⁽¹⁾	The amounts previously presented as of December 31, 2008 have been revised to conform to the amounts published in the Form 10-K filed on March 2, 2009.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Consolidated Balance Sheets

(amounts in millions)


	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008⁽¹⁾
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	29,469		$	29,251		$	29,016		$	28,763		$	28,533
Policyholder account balances		28,470			29,381			31,356			33,196			34,702
Liability for policy and contract claims		6,567			6,415			6,250			5,815			5,322
Unearned premiums		4,714			4,808			4,734			4,482			4,734
Other liabilities		6,298			6,708			5,787			6,316			6,860
Non-recourse funding obligations		3,443			3,443			3,443			3,443			3,455
Short-term borrowings		930			930			930			930			1,133
Long-term borrowings		3,641			3,457			3,484			4,131			4,261
Deferred tax liability		303			282			251			264			248
Separate account liabilities		11,002			10,712			9,605			8,576			9,215

Total liabilities		94,837			95,387			94,856			95,916			98,463

Stockholders’ equity:
Common stock		1			1			1			1			1
Additional paid-in capital		12,034			12,028			11,492			11,485			11,477

Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		(1,151	)		(1,121	)		(2,748	)		(4,095	)		(4,038	)
Net unrealized gains (losses) on other-than-temporarily impaired securities		(247	)		(280	)		(275	)		—			—

Net unrealized investment gains (losses)		(1,398	)		(1,401	)		(3,023	)		(4,095	)		(4,038	)

Derivatives qualifying as hedges		802			1,013			948			1,061			1,161
Foreign currency translation and other adjustments		432			411			206			(264	)		(185	)

Total accumulated other comprehensive income (loss)		(164	)		23			(1,869	)		(3,298	)		(3,062	)
Retained earnings		3,105			3,065			3,046			2,741			3,210
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)

Total Genworth Financial, Inc.’s stockholders’ equity		12,276			12,417			9,970			8,229			8,926
Noncontrolling interests		1,074			1,028			—			—			—

Total stockholders’ equity		13,350			13,445			9,970			8,229			8,926

Total liabilities and stockholders’ equity	$	108,187		$	108,832		$	104,826		$	104,145		$	107,389

⁽¹⁾	The amounts previously presented as of December 31, 2008 have been revised to conform to the amounts published in the Form 10-K filed on March 2, 2009.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Consolidated Balance Sheet by Segment

(amounts in millions)


	December 31, 2009
	Retirement and Protection			International		U.S. Mortgage Insurance			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	46,603		$	10,869	$	3,098		$	8,638		$	69,208
Deferred acquisition costs and intangible assets		8,599			896		33			71			9,599
Reinsurance recoverable		16,547			72		712			1			17,332
Deferred tax and other assets		(1,254	)		306		404			1,590			1,046
Separate account assets		11,002			—		—			—			11,002

Total assets	$	81,497		$	12,143	$	4,247		$	10,300		$	108,187

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	29,469		$	—	$	—		$	—		$	29,469
Policyholder account balances		22,974			21		—			5,475			28,470
Liability for policy and contract claims		3,452			813		2,289			13			6,567
Unearned premiums		558			4,050		106			—			4,714
Non-recourse funding obligations		3,543			—		—			(100	)		3,443
Deferred tax and other liabilities		1,606			1,599		51			3,345			6,601
Borrowing and capital securities		—			—		—			4,571			4,571
Separate account liabilities		11,002			—		—			—			11,002

Total liabilities		72,604			6,483		2,446			13,304			94,837

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		8,478			4,086		1,848			(1,972	)		12,440
Allocated accumulated other comprehensive income (loss)		415			500		(47	)		(1,032	)		(164	)

Total Genworth Financial, Inc.’s stockholders’ equity		8,893			4,586		1,801			(3,004	)		12,276
Noncontrolling interests		—			1,074		—			—			1,074

Total stockholders’ equity		8,893			5,660		1,801			(3,004	)		13,350

Total liabilities and stockholders’ equity	$	81,497		$	12,143	$	4,247		$	10,300		$	108,187

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Consolidated Balance Sheet by Segment

(amounts in millions)


	September 30, 2009
	Retirement and Protection⁽¹⁾			International		U.S. Mortgage Insurance		Corporate and Other^(1),(2)			Total
ASSETS
Cash and investments	$	46,850		$	10,777	$	3,240	$	8,965		$	69,832
Deferred acquisition costs and intangible assets		8,652			938		34		75			9,699
Reinsurance recoverable		16,519			84		704		1			17,308
Deferred tax and other assets		(1,255	)		406		435		1,695			1,281
Separate account assets		10,712			—		—		—			10,712

Total assets	$	81,478		$	12,205	$	4,413	$	10,736		$	108,832

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	29,251		$	—	$	—	$	—		$	29,251
Policyholder account balances		23,351			21		—		6,009			29,381
Liability for policy and contract claims		3,344			821		2,233		17			6,415
Unearned premiums		543			4,156		109		—			4,808
Non-recourse funding obligations		3,543			—		—		(100	)		3,443
Deferred tax and other liabilities		1,638			1,627		150		3,575			6,990
Borrowing and capital securities		—			—		—		4,387			4,387
Separate account liabilities		10,712			—		—		—			10,712

Total liabilities		72,382			6,625		2,492		13,888			95,387

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		8,473			4,058		1,907		(2,044	)		12,394
Allocated accumulated other comprehensive income (loss)		623			494		14		(1,108	)		23

Total Genworth Financial, Inc.’s stockholders’ equity		9,096			4,552		1,921		(3,152	)		12,417
Noncontrolling interests		—			1,028		—		—			1,028

Total stockholders’ equity		9,096			5,580		1,921		(3,152	)		13,445

Total liabilities and stockholders’ equity	$	81,478		$	12,205	$	4,413	$	10,736		$	108,832

⁽¹⁾

⁽²⁾	Includes inter-segment eliminations and non-strategic products.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Deferred Acquisition Costs Rollforward

(amounts in millions)


	Retirement and Protection⁽¹⁾			International			U.S. Mortgage Insurance			Corporate and Other⁽¹⁾			Total
Unamortized balance as of September 30, 2009	$	6,450		$	772		$	24		$	6		$	7,252
Costs deferred		131			31			5			—			167
Amortization, net of interest accretion⁽²⁾		(80	)		(74	)		(5	)		(1	)		(160	)
Impact of foreign currency translation		—			(2	)		—			—			(2	)

Unamortized balance as of December 31, 2009		6,501			727			24			5			7,257
Effect of accumulated net unrealized investment gains (losses)		84			—			—			—			84

Balance as of December 31, 2009	$	6,585		$	727		$	24		$	5		$	7,341

⁽¹⁾	In December 2009, the company began reporting the institutional products in Corporate and Other activities, as they were deemed non-strategic. These products were previously included in the Retirement and Protection segment. All prior period amounts have been re-presented.

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

Quarterly Results by Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment

(amounts in millions)


Three months ended December 31, 2009	Retirement and Protection															International															U.S. Mortgage Insurance			Corporate and Other⁽¹⁾
Three months ended December 31, 2009	Wealth Management			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	—		$	39		$	228		$	569		$	836		$	146		$	93		$	14		$	288		$	541		$	146		$	—		$	1,523
Net investment income		—			276			105			216			597			45			36			3			36			120			32			33			782
Net investment gains (losses)		—			(22	)		(45	)		(38	)		(105	)		3			—			—			—			3			27			(21	)		(96	)
Insurance and investment product fees and other		77			53			95			(1	)		224			—			1			1			2			4			2			22			252

Total revenues		77			346			383			746			1,552			194			130			18			326			668			207			34			2,461

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			133			206			568			907			57			42			14			76			189			272			—			1,368
Interest credited		—			117			62			2			181			—			—			—			—			—			—			40			221
Acquisition and operating expenses, net of deferrals		64			40			37			100			241			23			16			10			163			212			33			17			503
Amortization of deferred acquisition costs and intangibles		1			28			29			35			93			10			8			3			56			77			6			4			180
Interest expense		—			—			23			1			24			—			—			—			4			4			—			59			87

Total benefits and expenses		65			318			357			706			1,446			90			66			27			299			482			311			120			2,359

INCOME (LOSS) BEFORE INCOME TAXES		12			28			26			40			106			104			64			(9	)		27			186			(104	)		(86	)		102
Provision (benefit) for income taxes		5			8			6			15			34			31			19			(5	)		4			49			(48	)		(8	)		27

NET INCOME (LOSS)		7			20			20			25			72			73			45			(4	)		23			137			(56	)		(78	)		75
Less: net income attributable to noncontrolling interests		—			—			—			—			—			35			—			—			—			35			—			—			35

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		7			20			20			25			72			38			45			(4	)		23			102			(56	)		(78	)		40

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			10			23			24			57			(1	)		—			—			—			(1	)		(18	)		16			54

NET OPERATING INCOME (LOSS)	$	7		$	30		$	43		$	49		$	129		$	37		$	45		$	(4	)	$	23		$	101		$	(74	)	$	(62	)	$	94


Effective tax rate (operating income (loss))⁽²⁾		40.1	%		31.7	%		30.3	%		38.0	%		34.3	%		32.5	%		28.8	%		46.7	%		17.3	%		27.0	%		43.8	%		2.8	%		32.6	%

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

⁽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.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment

(amounts in millions)


	Retirement and Protection⁽¹⁾															International															U.S. Mortgage Insurance			Corporate and Other^(1),(2)
Three months ended December 31, 2008	Wealth Manage- ment			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other^(1),(2)			Total
REVENUES:
Premiums	$	—		$	105		$	235		$	556		$	896		$	125		$	72		$	33		$	303		$	533		$	182		$	5		$	1,616
Net investment income		—			279			142			185			606			44			28			8			37			117			33			101			857
Net investment gains (losses)		(2	)		(253	)		(230	)		629			144			(2	)		(1	)		2			(4	)		(5	)		(15	)		(273	)		(149	)
Insurance and investment product fees and other		73			49			96			3			221			—			(1	)		(1	)		2			—			4			80			305

Total revenues		71			180			243			1,373			1,867			167			98			42			338			645			204			(87	)		2,629

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			231			208			539			978			39			34			34			69			176			366			2			1,522
Interest credited		—			128			60			—			188			—			—			—			—			—			—			121			309
Acquisition and operating expenses, net of deferrals		59			51			41			93			244			24			13			18			191			246			32			44			566
Amortization of deferred acquisition costs and intangibles		—			131			44			32			207			7			5			7			53			72			14			5			298
Goodwill impairment		—			243			—			—			243			—			—			—			—			—			—			—			243
Interest expense		—			—			48			—			48			1			—			—			5			6			—			69			123

Total benefits and expenses		59			784			401			664			1,908			71			52			59			318			500			412			241			3,061

INCOME (LOSS) BEFORE INCOME TAXES		12			(604	)		(158	)		709			(41	)		96			46			(17	)		20			145			(208	)		(328	)		(432	)
Provision (benefit) for income taxes		5			(132	)		(55	)		248			66			31			8			(7	)		2			34			(83	)		(128	)		(111	)

NET INCOME (LOSS)		7			(472	)		(103	)		461			(107	)		65			38			(10	)		18			111			(125	)		(200	)		(321	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		1			156			149			(410	)		(104	)		1			1			(1	)		3			4			11			178			89
Expenses related to reorganization, net of taxes		—			6			3			3			12			1			1			3			4			9			—			4			25

NET OPERATING INCOME (LOSS)	$	8		$	(310	)	$	49		$	54		$	(199	)	$	67		$	40		$	(8	)	$	25		$	124		$	(114	)	$	(18	)	$	(207	)


Effective tax rate (operating income (loss))		38.4	%		12.6	%		35.5	%		36.1	%		-9.9	%		31.9	%		17.1	%		40.7	%		18.9	%		24.3	%		40.1	%		63.9	%		19.2	%

⁽¹⁾

⁽²⁾	Includes inter-segment eliminations and non-strategic products.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment

(amounts in millions)


	Retirement and Protection															International															U.S. Mortgage Insurance			Corporate and Other⁽¹⁾
Twelve months ended December 31, 2009	Wealth Manage- ment			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	—		$	154		$	953		$	2,206		$	3,313		$	545		$	313		$	69		$	1,141		$	2,068		$	636		$	2		$	6,019
Net investment income		—			1,030			427			799			2,256			171			125			17			157			470			134			173			3,033
Net investment gains (losses)		(1	)		(210	)		(290	)		(276	)		(777	)		12			2			(1	)		(17	)		(4	)		49			(309	)		(1,041	)
Insurance and investment product fees and other		279			186			395			15			875			1			2			3			20			26			7			150			1,058

Total revenues		278			1,160			1,485			2,744			5,667			729			442			88			1,301			2,560			826			16			9,069

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			546			846			2,225			3,617			228			157			79			343			807			1,392			2			5,818
Interest credited		—			487			247			3			737			—			—			—			—			—			—			247			984
Acquisition and operating expenses, net of deferrals		229			146			137			369			881			79			54			41			645			819			132			52			1,884
Amortization of deferred acquisition costs and intangibles		4			199			97			161			461			38			26			8			210			282			22			17			782
Interest expense		—			1			95			1			97			1			—			—			50			51			—			245			393

Total benefits and expenses		233			1,379			1,422			2,759			5,793			346			237			128			1,248			1,959			1,546			563			9,861

INCOME (LOSS) BEFORE INCOME TAXES		45			(219	)		63			(15	)		(126	)		383			205			(40	)		53			601			(720	)		(547	)		(792	)
Provision (benefit) for income taxes		17			(92	)		15			(6	)		(66	)		110			56			(14	)		8			160			(293	)		(194	)		(393	)

NET INCOME (LOSS)		28			(127	)		48			(9	)		(60	)		273			149			(26	)		45			441			(427	)		(353	)		(399	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			61			—			—			—			61			—			—			61

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		28			(127	)		48			(9	)		(60	)		212			149			(26	)		45			380			(427	)		(353	)		(460	)

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			135			169			180			484			(6	)		(1	)		1			11			5			(32	)		201			658

NET OPERATING INCOME (LOSS)	$	28		$	8		$	217		$	171		$	424		$	206		$	148		$	(25	)	$	56		$	385		$	(459	)	$	(152	)	$	198


Effective tax rate (operating income (loss))		38.1	%		179.8	%		32.8	%		34.8	%		31.7	%		28.2	%		27.1	%		34.3	%		20.4	%		26.3	%		40.3	%		36.4	%		-47.6	%

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) by Segment

(amounts in millions)


	Retirement and Protection⁽¹⁾															International															U.S. Mortgage Insurance			Corporate and Other^(1),(2)
Twelve months ended December 31, 2008	Wealth Manage- ment			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other^(1),(2)			Total
REVENUES:
Premiums	$	—		$	564		$	968		$	2,127		$	3,659		$	534		$	321		$	120		$	1,382		$	2,357		$	740		$	21		$	6,777
Net investment income		2			1,152			584			715			2,453			192			139			35			183			549			142			586			3,730
Net investment gains (losses)		(2	)		(776	)		(473	)		546			(705	)		18			(6	)		(4	)		(32	)		(24	)		(58	)		(922	)		(1,709	)
Insurance and investment product fees and other		330			208			376			15			929			1			—			—			24			25			27			169			1,150

Total revenues		330			1,148			1,455			3,403			6,336			745			454			151			1,557			2,907			851			(146	)		9,948

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			952			851			2,129			3,932			138			142			100			266			646			1,221			7			5,806
Interest credited		—			515			244			2			761			—			—			—			—			—			—			532			1,293
Acquisition and operating expenses, net of deferrals		260			170			149			349			928			90			63			71			807			1,031			138			63			2,160
Amortization of deferred acquisition costs and intangibles		3			170			136			121			430			32			24			11			292			359			80			15			884
Goodwill impairment		—			243			—			—			243			—			—			—			—			—			22			12			277
Interest expense		—			3			169			—			172			3			—			—			37			40			—			258			470

Total benefits and expenses		263			2,053			1,549			2,601			6,466			263			229			182			1,402			2,076			1,461			887			10,890

INCOME (LOSS) BEFORE INCOME TAXES		67			(905	)		(94	)		802			(130	)		482			225			(31	)		155			831			(610	)		(1,033	)		(942	)
Provision (benefit) for income taxes		25			(244	)		(48	)		282			15			166			45			(16	)		28			223			(242	)		(366	)		(370	)

NET INCOME (LOSS)		42			(661	)		(46	)		520			(145	)		316			180			(15	)		127			608			(368	)		(667	)		(572	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		1			409			307			(357	)		360			(12	)		4			3			21			16			38			602			1,016
Expenses related to reorganization, net of taxes		—			6			3			3			12			1			1			3			4			9			—			4			25

NET OPERATING INCOME (LOSS)	$	43		$	(246	)	$	264		$	166		$	227		$	305		$	185		$	(9	)	$	152		$	633		$	(330	)	$	(61	)	$	469


Effective tax rate (operating income (loss))		37.2	%		7.7	%		31.1	%		35.6	%		48.6	%		34.4	%		20.2	%		56.8	%		21.2	%		27.1	%		40.1	%		39.7	%		28.7	%

⁽¹⁾

⁽²⁾	Includes inter-segment eliminations and non-strategic products.

Retirement and Protection

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss)—Retirement and Protection⁽¹⁾

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	836		$	813		$	829		$	835		$	3,313		$	896		$	958		$	885		$	920		$	3,659
Net investment income		597			576			564			519			2,256			606			600			615			632			2,453
Net investment gains (losses)		(105	)		(102	)		4			(574	)		(777	)		144			(497	)		(204	)		(148	)		(705	)
Insurance and investment product fees and other		224			234			210			207			875			221			239			232			237			929

Total revenues		1,552			1,521			1,607			987			5,667			1,867			1,300			1,528			1,641			6,336

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		907			902			895			913			3,617			978			1,047			929			978			3,932
Interest credited		181			186			184			186			737			188			194			190			189			761
Acquisition and operating expenses, net of deferrals		241			226			211			203			881			244			232			227			225			928
Amortization of deferred acquisition costs and intangibles		93			67			138			163			461			207			36			99			88			430
Goodwill impairment		—			—			—			—			—			243			—			—			—			243
Interest expense		24			23			24			26			97			48			38			39			47			172

Total benefits and expenses		1,446			1,404			1,452			1,491			5,793			1,908			1,547			1,484			1,527			6,466

INCOME (LOSS) BEFORE INCOME TAXES		106			117			155			(504	)		(126	)		(41	)		(247	)		44			114			(130	)
Provision (benefit) for income taxes		34			32			56			(188	)		(66	)		66			(94	)		3			40			15

NET INCOME (LOSS)		72			85			99			(316	)		(60	)		(107	)		(153	)		41			74			(145	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		57			49			24			354			484			(104	)		269			118			77			360
Expenses related to reorganization, net of taxes		—			—			—			—			—			12			—			—			—			12

NET OPERATING INCOME (LOSS)	$	129		$	134		$	123		$	38		$	424		$	(199	)	$	116		$	159		$	151		$	227


Effective tax rate (operating income (loss))		34.3	%		30.5	%		35.7	%		4.4	%		31.7	%		-9.9	%		30.6	%		29.0	%		35.1	%		48.6	%

⁽¹⁾

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income, Sales and Assets Under Management—Wealth Management

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		—			—			—			—			—			—			—			1			1			2
Net investment gains (losses)		—			(1	)		1			(1	)		(1	)		(2	)		—			—			—			(2	)
Insurance and investment product fees and other		77			72			66			64			279			73			86			85			86			330

Total revenues		77			71			67			63			278			71			86			86			87			330

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			—			—			—			—			—			—			—			—			—
Interest credited		—			—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		64			58			55			52			229			59			67			67			67			260
Amortization of deferred acquisition costs and intangibles		1			1			1			1			4			—			1			1			1			3
Goodwill impairment		—			—			—			—			—			—			—			—			—			—
Interest expense		—			—			—			—			—			—			—			—			—			—

Total benefits and expenses		65			59			56			53			233			59			68			68			68			263

INCOME BEFORE INCOME TAXES		12			12			11			10			45			12			18			18			19			67
Provision for income taxes		5			4			4			4			17			5			6			7			7			25

NET INCOME		7			8			7			6			28			7			12			11			12			42

ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		—			—			—			—			—			1			—			—			—			1

NET OPERATING INCOME	$	7		$	8		$	7		$	6		$	28		$	8		$	12		$	11		$	12		$	43


Effective tax rate (operating income)		40.1	%		36.8	%		38.7	%		37.0	%		38.1	%		38.4	%		37.1	%		36.8	%		36.8	%		37.2	%

SALES:
Sales by Distribution Channel:
Independent Producers	$	1,298		$	1,134		$	1,014		$	713		$	4,159		$	878		$	1,058		$	1,229		$	1,105		$	4,270
Dedicated Sales Specialists		199			238			99			83			619			99			172			176			175			622

Total Sales	$	1,497		$	1,372		$	1,113		$	796		$	4,778		$	977		$	1,230		$	1,405		$	1,280		$	4,892


ASSETS UNDER MANAGEMENT:
Beginning of period	$	17,992		$	15,909		$	14,210		$	15,447		$	15,447		$	18,671		$	20,285		$	20,461		$	21,584		$	21,584
Gross flows		1,497			1,372			1,113			796			4,778			977			1,230			1,405			1,280			4,892
Redemptions		(892	)		(904	)		(953	)		(1,274	)		(4,023	)		(1,447	)		(1,047	)		(1,044	)		(1,080	)		(4,618	)

Net flows		605			468			160			(478	)		755			(470	)		183			361			200			274
Market performance		268			1,615			1,539			(759	)		2,663			(2,754	)		(1,797	)		(537	)		(1,323	)		(6,411	)

End of period	$	18,865		$	17,992		$	15,909		$	14,210		$	18,865		$	15,447		$	18,671		$	20,285		$	20,461		$	15,447

Wealth Management results represent Genworth Financial Wealth Management, Inc., Genworth Financial Advisors Corporation, Genworth Financial Trust Company and Quantuvis Consulting, Inc.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss)—Retirement Income

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	39		$	30		$	38		$	47		$	154		$	105		$	181		$	111		$	167		$	564
Net investment income		276			260			258			236			1,030			279			280			291			302			1,152
Net investment gains (losses)		(22	)		(63	)		72			(197	)		(210	)		(253	)		(325	)		(105	)		(93	)		(776	)
Insurance and investment product fees and other		53			47			42			44			186			49			51			54			54			208

Total revenues		346			274			410			130			1,160			180			187			351			430			1,148

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		133			128			129			156			546			231			278			191			252			952
Interest credited		117			122			124			124			487			128			130			129			128			515
Acquisition and operating expenses, net of deferrals		40			39			35			32			146			51			39			42			38			170
Amortization of deferred acquisition costs and intangibles		28			23			69			79			199			131			(12	)		28			23			170
Goodwill impairment		—			—			—			—			—			243			—			—			—			243
Interest expense		—			—			1			—			1			—			1			1			1			3

Total benefits and expenses		318			312			358			391			1,379			784			436			391			442			2,053

INCOME (LOSS) BEFORE INCOME TAXES		28			(38	)		52			(261	)		(219	)		(604	)		(249	)		(40	)		(12	)		(905	)
Provision (benefit) for income taxes		8			(15	)		19			(104	)		(92	)		(132	)		(93	)		(13	)		(6	)		(244	)

NET INCOME (LOSS)		20			(23	)		33			(157	)		(127	)		(472	)		(156	)		(27	)		(6	)		(661	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		10			32			(17	)		110			135			156			158			53			42			409
Expenses related to reorganization, net of taxes		—			—			—			—			—			6			—			—			—			6

NET OPERATING INCOME (LOSS)	$	30		$	9		$	16		$	(47	)	$	8		$	(310	)	$	2		$	26		$	36		$	(246	)


Effective tax rate (operating income (loss))		31.7	%		22.5	%		39.4	%		48.8	%		179.8	%		12.6	%		167.2	%		38.4	%		31.4	%		7.7	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) and Sales—Retirement Income—Fee-Based

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		4			7			8			12			31			8			2			3			3			16
Net investment gains (losses)		(4	)		8			91			(17	)		78			31			(82	)		7			(35	)		(79	)
Insurance and investment product fees and other		50			46			39			40			175			42			48			51			51			192

Total revenues		50			61			138			35			284			81			(32	)		61			19			129

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		2			3			4			22			31			36			11			8			5			60
Interest credited		2			3			3			3			11			3			4			3			4			14
Acquisition and operating expenses, net of deferrals		20			20			15			14			69			25			14			16			13			68
Amortization of deferred acquisition costs and intangibles		8			7			49			76			140			123			(18	)		18			4			127
Goodwill impairment		—			—			—			—			—			58			—			—			—			58
Interest expense		—			—			—			—			—			—			—			—			—			—

Total benefits and expenses		32			33			71			115			251			245			11			45			26			327

INCOME (LOSS) BEFORE INCOME TAXES		18			28			67			(80	)		33			(164	)		(43	)		16			(7	)		(198	)
Provision (benefit) for income taxes		2			13			25			(41	)		(1	)		(44	)		(19	)		8			(4	)		(59	)

NET INCOME (LOSS)		16			15			42			(39	)		34			(120	)		(24	)		8			(3	)		(139	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		2			(4	)		(27	)		12			(17	)		8			23			(2	)		13			42
Expenses related to reorganization, net of taxes		—			—			—			—			—			3			—			—			—			3

NET OPERATING INCOME (LOSS)	$	18		$	11		$	15		$	(27	)	$	17		$	(109	)	$	(1	)	$	6		$	10		$	(94	)


Effective tax rate (operating income (loss))		14.7	%		50.3	%		40.7	%		55.9	%		-140.4	%		25.7	%		86.9	%		56.4	%		21.9	%		27.1	%

SALES:
Sales by Product:
Income Distribution Series⁽¹⁾	$	168		$	187		$	131		$	121		$	607		$	270		$	499		$	585		$	586		$	1,940
Traditional Variable Annuities⁽²⁾		36			30			23			22			111			41			97			118			113			369
Variable Life		—			—			—			—			—			—			—			2			1			3

Total Sales	$	204		$	217		$	154		$	143		$	718		$	311		$	596		$	705		$	700		$	2,312

Sales by Distribution Channel:
Financial Intermediaries	$	191		$	200		$	136		$	124		$	651		$	278		$	545		$	662		$	660		$	2,145
Independent Producers		7			7			8			6			28			8			17			15			12			52
Dedicated Sales Specialists		6			10			10			13			39			25			34			28			28			115

Total Sales	$	204		$	217		$	154		$	143		$	718		$	311		$	596		$	705		$	700		$	2,312

⁽¹⁾

The Income Distribution Series products are comprised of the deferred and immediate variable annuity products with rider options, that provide guaranteed income benefits including GMWBs and certain types of guaranteed annuitization benefits. These products do not include fixed single premium immediate annuities or deferred annuities, which may also serve income distribution needs.

⁽²⁾

The traditional variable annuities include products that provide the potential for tax deferred growth on the policyholder’s premium. These products do not provide the opportunity for a living benefit through guaranteed minimum withdrawal benefits; however, similar to the Income Distribution Series products, they do provide a variety of guaranteed minimum death benefit options.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Operating Performance Measures—Retirement Income—Fee-Based

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Income Distribution Series
Account value, net of reinsurance, beginning of period	$	5,802		$	5,286		$	5,093		$	5,234		$	5,234		$	5,372		$	5,308		$	4,877		$	4,535		$	4,535
Deposits		172			190			133			125			620			287			506			596			595			1,984
Surrenders, benefits and product charges		(125	)		(109	)		(109	)		(106	)		(449	)		(135	)		(115	)		(112	)		(105	)		(467	)

Net flows		47			81			24			19			171			152			391			484			490			1,517
Interest credited and investment performance		94			435			169			(160	)		538			(290	)		(327	)		(53	)		(148	)		(818	)

Account value, net of reinsurance, end of period		5,943			5,802			5,286			5,093			5,943			5,234			5,372			5,308			4,877			5,234

Traditional Variable Annuities
Account value, net of reinsurance, beginning of period		1,973			1,796			1,642			1,756			1,756			2,014			2,278			2,241			2,345			2,345
Deposits		30			25			16			19			90			40			92			105			108			345
Surrenders, benefits and product charges		(58	)		(48	)		(60	)		(63	)		(229	)		(71	)		(66	)		(63	)		(59	)		(259	)

Net flows		(28	)		(23	)		(44	)		(44	)		(139	)		(31	)		26			42			49			86
Interest credited and investment performance		71			200			198			(70	)		399			(227	)		(290	)		(5	)		(153	)		(675	)

Account value, net of reinsurance, end of period		2,016			1,973			1,796			1,642			2,016			1,756			2,014			2,278			2,241			1,756

Variable Life Insurance
Account value, beginning of the period		292			271			248			266			266			324			373			371			403			403
Deposits		3			3			3			4			13			3			4			5			5			17
Surrenders, benefits and product charges		(8	)		(12	)		(9	)		(11	)		(40	)		(8	)		(15	)		(10	)		(10	)		(43	)

Net flows		(5	)		(9	)		(6	)		(7	)		(27	)		(5	)		(11	)		(5	)		(5	)		(26	)
Interest credited and investment performance		11			30			29			(11	)		59			(53	)		(38	)		7			(27	)		(111	)

Account value, end of period		298			292			271			248			298			266			324			373			371			266

Total Retirement Income—Fee-Based	$	8,257		$	8,067		$	7,353		$	6,983		$	8,257		$	7,256		$	7,710		$	7,959		$	7,489		$	7,256

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) and Sales—Retirement Income—Spread-Based

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	39		$	30		$	38		$	47		$	154		$	105		$	181		$	111		$	167		$	564
Net investment income		272			253			250			224			999			271			278			288			299			1,136
Net investment gains (losses)		(18	)		(71	)		(19	)		(180	)		(288	)		(284	)		(243	)		(112	)		(58	)		(697	)
Insurance and investment product fees and other		3			1			3			4			11			7			3			3			3			16

Total revenues		296			213			272			95			876			99			219			290			411			1,019

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		131			125			125			134			515			195			267			183			247			892
Interest credited		115			119			121			121			476			125			126			126			124			501
Acquisition and operating expenses, net of deferrals		20			19			20			18			77			26			25			26			25			102
Amortization of deferred acquisition costs and intangibles		20			16			20			3			59			8			6			10			19			43
Goodwill impairment		—			—			—			—			—			185			—			—			—			185
Interest expense		—			—			1			—			1			—			1			1			1			3

Total benefits and expenses		286			279			287			276			1,128			539			425			346			416			1,726

INCOME (LOSS) BEFORE INCOME TAXES		10			(66	)		(15	)		(181	)		(252	)		(440	)		(206	)		(56	)		(5	)		(707	)
Provision (Benefit) for income taxes		6			(28	)		(6	)		(63	)		(91	)		(88	)		(74	)		(21	)		(2	)		(185	)

NET INCOME (LOSS)		4			(38	)		(9	)		(118	)		(161	)		(352	)		(132	)		(35	)		(3	)		(522	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		8			36			10			98			152			148			135			55			29			367
Expenses related to reorganization, net of taxes		—			—			—			—			—			3			—			—			—			3

NET OPERATING INCOME (LOSS)	$	12		$	(2	)	$	1		$	(20	)	$	(9	)	$	(201	)	$	3		$	20		$	26		$	(152	)


Effective tax rate (operating income (loss))		47.2	%		83.0	%		13.3	%		34.7	%		49.2	%		3.5	%		-24.6	%		30.9	%		34.7	%		-10.3	%

SALES:
Sales by Product:
Structured Settlements	$	—		$	1		$	5		$	4		$	10		$	1		$	—		$	—		$	3		$	4
Single Premium Immediate Annuities		75			62			70			74			281			161			259			150			240			810
Fixed Annuities		29			64			221			229			543			426			468			298			408			1,600

Total Sales	$	104		$	127		$	296		$	307		$	834		$	588		$	727		$	448		$	651		$	2,414

Sales by Distribution Channel:
Financial Intermediaries	$	54		$	70		$	165		$	162		$	451		$	341		$	572		$	360		$	541		$	1,814
Independent Producers		47			52			121			127			347			230			146			82			103			561
Dedicated Sales Specialists		3			5			10			18			36			17			9			6			7			39

Total Sales	$	104		$	127		$	296		$	307		$	834		$	588		$	727		$	448		$	651		$	2,414


PREMIUMS BY PRODUCT:
Single Premium Immediate Annuities	$	39		$	30		$	36		$	44		$	149		$	105		$	181		$	111		$	165		$	562
Structured Settlements		—			—			2			3			5			—			—			—			2			2

Total Premiums	$	39		$	30		$	38		$	47		$	154		$	105		$	181		$	111		$	167		$	564

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Operating Performance Measures—Retirement Income—Spread-Based

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Fixed Annuities
Account value, net of reinsurance, beginning of period	$	11,588		$	11,770		$	11,833		$	11,996		$	11,996		$	12,174		$	12,130		$	12,141		$	12,073		$	12,073
Deposits		31			69			229			242			571			447			514			333			436			1,730
Surrenders, benefits and product charges		(310	)		(353	)		(394	)		(508	)		(1,565	)		(734	)		(576	)		(449	)		(474	)		(2,233	)

Net flows		(279	)		(284	)		(165	)		(266	)		(994	)		(287	)		(62	)		(116	)		(38	)		(503	)
Interest credited		100			102			102			103			407			109			106			105			106			426

Account value, net of reinsurance, end of period		11,409			11,588			11,770			11,833			11,409			11,996			12,174			12,130			12,141			11,996

Single Premium Immediate Annuities
Account value, net of reinsurance, beginning of period		6,753			6,827			6,925			6,957			6,957			6,956			6,781			6,781			6,668			6,668
Premiums and deposits		97			91			101			111			400			230			280			188			291			989
Surrenders, benefits and product charges		(264	)		(255	)		(289	)		(236	)		(1,044	)		(323	)		(197	)		(278	)		(267	)		(1,065	)

Net flows		(167	)		(164	)		(188	)		(125	)		(644	)		(93	)		83			(90	)		24			(76	)
Interest credited		89			90			90			93			362			94			92			90			89			365

Account value, net of reinsurance, end of period		6,675			6,753			6,827			6,925			6,675			6,957			6,956			6,781			6,781			6,957

Structured Settlements
Account value, net of reinsurance, beginning of period		1,116			1,117			1,101			1,106			1,106			1,106			1,107			1,105			1,103			1,103
Premiums and deposits		—			—			6			4			10			—			—			1			2			3
Surrenders, benefits and product charges		(16	)		(15	)		(5	)		(23	)		(59	)		(15	)		(15	)		(13	)		(14	)		(57	)

Net flows		(16	)		(15	)		1			(19	)		(49	)		(15	)		(15	)		(12	)		(12	)		(54	)
Interest credited		15			14			15			14			58			15			14			14			14			57

Account value, net of reinsurance, end of period		1,115			1,116			1,117			1,101			1,115			1,106			1,106			1,107			1,105			1,106

Total Retirement Income—Spread-Based	$	19,199		$	19,457		$	19,714		$	19,859		$	19,199		$	20,059		$	20,236		$	20,018		$	20,027		$	20,059

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income and Sales—Life Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	228		$	241		$	241		$	243		$	953		$	235		$	241		$	250		$	242		$	968
Net investment income		105			111			108			103			427			142			141			148			153			584
Net investment gains (losses)		(45	)		(43	)		(42	)		(160	)		(290	)		(230	)		(137	)		(80	)		(26	)		(473	)
Insurance and investment product fees and other		95			111			96			93			395			96			98			89			93			376

Total revenues		383			420			403			279			1,485			243			343			407			462			1,455

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		206			211			207			222			846			208			230			208			205			851
Interest credited		62			64			59			62			247			60			63			60			61			244
Acquisition and operating expenses, net of deferrals		37			36			31			33			137			41			37			34			37			149
Amortization of deferred acquisition costs and intangibles		29			4			28			36			97			44			18			39			35			136
Goodwill impairment		—			—			—			—			—			—			—			—			—			—
Interest expense		23			23			23			26			95			48			37			38			46			169

Total benefits and expenses		357			338			348			379			1,422			401			385			379			384			1,549

INCOME (LOSS) BEFORE INCOME TAXES		26			82			55			(100	)		63			(158	)		(42	)		28			78			(94	)
Provision (benefit) for income taxes		6			24			20			(35	)		15			(55	)		(16	)		(6	)		29			(48	)

NET INCOME (LOSS)		20			58			35			(65	)		48			(103	)		(26	)		34			49			(46	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		23			20			23			103			169			149			89			53			16			307
Expenses related to reorganization, net of taxes		—			—			—			—			—			3			—			—			—			3

NET OPERATING INCOME	$	43		$	78		$	58		$	38		$	217		$	49		$	63		$	87		$	65		$	264


Effective tax rate (operating income)		30.3	%		30.7	%		35.4	%		35.4	%		32.8	%		35.5	%		33.6	%		20.2	%		36.9	%		31.1	%

SALES:
Sales by Product:
Term Life	$	22		$	19		$	18		$	19		$	78		$	22		$	21		$	25		$	23		$	91
Universal Life:
Annualized first-year deposits		8			8			8			9			33			12			12			14			13			51
Excess deposits		25			23			23			28			99			29			43			46			43			161

Total Universal Life		33			31			31			37			132			41			55			60			56			212

Total Sales	$	55		$	50		$	49		$	56		$	210		$	63		$	76		$	85		$	79		$	303

Sales by Distribution Channel:
Financial Intermediaries	$	—		$	—		$	1		$	1		$	2		$	1		$	—		$	1		$	1		$	3
Independent Producers		55			50			48			55			208			62			76			84			78			300

Total Sales	$	55		$	50		$	49		$	56		$	210		$	63		$	76		$	85		$	79		$	303

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Life Insurance In-force

(amounts in millions)


	2009								2008
	4Q		3Q		2Q		1Q		4Q		3Q		2Q		1Q
Term life insurance
Life insurance in-force, net of reinsurance	$	473,367	$	474,721	$	477,759	$	489,723	$	480,641	$	491,032	$	481,430	$	476,503
Life insurance in-force before reinsurance	$	622,800	$	621,808	$	623,139	$	625,503	$	625,766	$	625,385	$	621,221	$	619,086

Universal and whole life insurance
Life insurance in-force, net of reinsurance	$	43,915	$	43,875	$	43,800	$	43,901	$	43,889	$	43,781	$	42,833	$	42,590
Life insurance in-force before reinsurance	$	50,919	$	50,952	$	50,994	$	51,201	$	51,308	$	51,043	$	51,851	$	51,534

Total life insurance
Life insurance in-force, net of reinsurance	$	517,282	$	518,596	$	521,559	$	533,624	$	524,530	$	534,813	$	524,263	$	519,093
Life insurance in-force before reinsurance	$	673,719	$	672,760	$	674,133	$	676,704	$	677,074	$	676,428	$	673,072	$	670,620

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income and Sales—Long-Term Care

(amounts in millions)


	2009⁽¹⁾															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	569		$	542		$	550		$	545		$	2,206		$	556		$	536		$	524		$	511		$	2,127
Net investment income		216			205			198			180			799			185			179			175			176			715
Net investment gains (losses)		(38	)		5			(27	)		(216	)		(276	)		629			(35	)		(19	)		(29	)		546
Insurance and investment product fees and other		(1	)		4			6			6			15			3			4			4			4			15

Total revenues		746			756			727			515			2,744			1,373			684			684			662			3,403

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		568			563			559			535			2,225			539			539			530			521			2,129
Interest credited		2			—			1			—			3			—			1			1			—			2
Acquisition and operating expenses, net of deferrals		100			93			90			86			369			93			89			84			83			349
Amortization of deferred acquisition costs and intangibles		35			39			40			47			161			32			29			31			29			121
Goodwill impairment		—			—			—			—			—			—			—			—			—			—
Interest expense		1			—			—			—			1			—			—			—			—			—

Total benefits and expenses		706			695			690			668			2,759			664			658			646			633			2,601

INCOME (LOSS) BEFORE INCOME TAXES		40			61			37			(153	)		(15	)		709			26			38			29			802
Provision (benefit) for income taxes		15			19			13			(53	)		(6	)		248			9			15			10			282

NET INCOME (LOSS)		25			42			24			(100	)		(9	)		461			17			23			19			520

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		24			(3	)		18			141			180			(410	)		22			12			19			(357	)
Expenses related to reorganization, net of taxes		—			—			—			—			—			3			—			—			—			3

NET OPERATING INCOME	$	49		$	39		$	42		$	41		$	171		$	54		$	39		$	35		$	38		$	166


Effective tax rate (operating income)		38.0	%		30.3	%		34.2	%		35.4	%		34.8	%		36.1	%		34.7	%		36.4	%		34.9	%		35.6	%

SALES:
Sales by Distribution Channel:
Financial Intermediaries	$	3		$	3		$	2		$	2		$	10		$	4		$	5		$	4		$	6		$	19
Independent Producers		15			12			11			11			49			17			23			24			23			87
Dedicated Sales Specialist		12			13			12			11			48			12			15			16			15			58

Total Individual Long-Term Care		30			28			25			24			107			33			43			44			44			164
Group Long-Term Care		2			5			1			1			9			5			1			1			1			8
Medicare Supplement and Other A&H		21			12			13			17			63			18			14			13			10			55
Linked-Benefits		10			8			5			5			28			8			6			8			7			29

Total Sales	$	63		$	53		$	44		$	47		$	207		$	64		$	64		$	66		$	62		$	256


LOSS RATIOS:
Total Long-Term Care
Earned Premiums	$	488		$	469		$	478		$	475		$	1,910		$	482		$	470		$	459		$	443		$	1,854
Loss Ratio⁽²⁾		63.6	%		64.6	%		67.5	%		63.6	%		64.8	%		63.0	%		66.5	%		66.9	%		66.9	%		65.8	%
Gross Benefits Ratio⁽³⁾		105.6	%		108.2	%		105.0	%		100.0	%		104.7	%		102.0	%		104.6	%		105.2	%		105.6	%		104.3	%
Medicare Supplement and A&H⁽⁴⁾
Earned Premiums	$	76		$	74		$	73		$	73		$	296		$	73		$	68		$	68		$	68		$	277
Loss Ratio⁽²⁾		70.6	%		73.0	%		78.8	%		82.6	%		76.2	%		64.7	%		69.6	%		70.5	%		76.2	%		70.1	%

⁽¹⁾

In the first quarter of 2009, the company began reporting the results of the equity access business in the long-term care business. The equity access business was previously reported in Corporate and Other activities. The amounts associated with this business were not material and the prior period amounts have not been re-presented.

⁽²⁾	The loss ratio for the long-term care insurance products was calculated by dividing benefits and other changes in policy reserves less tabular interest on reserves less loss adjustment expenses by net earned premiums.

⁽³⁾	The gross benefits ratio for the long-term care insurance products was calculated by dividing the benefits and other changes in policy reserves by net earned premiums.

⁽⁴⁾	Net earned premiums and loss ratios for Medicare Supplement and A&H do not include the linked-benefits products.

International

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income—International

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	541		$	523		$	508		$	496		$	2,068		$	533		$	587		$	628		$	609		$	2,357
Net investment income		120			124			122			104			470			117			146			148			138			549
Net investment gains (losses)		3			4			4			(15	)		(4	)		(5	)		(37	)		25			(7	)		(24	)
Insurance and investment product fees and other		4			12			5			5			26			—			7			7			11			25

Total revenues		668			663			639			590			2,560			645			703			808			751			2,907

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		189			200			226			192			807			176			147			160			163			646
Acquisition and operating expenses, net of deferrals		212			215			197			195			819			246			254			273			258			1,031
Amortization of deferred acquisition costs and intangibles		77			65			66			74			282			72			87			97			103			359
Interest expense		4			15			24			8			51			6			19			8			7			40

Total benefits and expenses		482			495			513			469			1,959			500			507			538			531			2,076

INCOME BEFORE INCOME TAXES		186			168			126			121			601			145			196			270			220			831
Provision for income taxes		49			45			36			30			160			34			54			71			64			223

NET INCOME		137			123			90			91			441			111			142			199			156			608
Less: net income attributable to noncontrolling interests		35			26			—			—			61			—			—			—			—			—

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		102			97			90			91			380			111			142			199			156			608

ADJUSTMENTS TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(1	)		(1	)		(3	)		10			5			4			24			(16	)		4			16
Expenses related to reorganization, net of taxes		—			—			—			—			—			9			—			—			—			9

NET OPERATING INCOME⁽¹⁾	$	101		$	96		$	87		$	101		$	385		$	124		$	166		$	183		$	160		$	633


Effective tax rate (operating income)		27.0	%		23.3	%		28.7	%		26.2	%		26.3	%		24.3	%		28.1	%		25.6	%		29.5	%		27.1	%

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the International segment was $80 million and $422 million for the three and twelve months ended December 31, 2009, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income and Sales—International Mortgage Insurance—Canada

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	146		$	141		$	131		$	127		$	545		$	125		$	137		$	139		$	133		$	534
Net investment income		45			43			42			41			171			44			50			50			48			192
Net investment gains (losses)		3			7			5			(3	)		12			(2	)		—			26			(6	)		18
Insurance and investment product fees and other		—			1			—			—			1			—			1			—			—			1

Total revenues		194			192			178			165			729			167			188			215			175			745

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		57			58			63			50			228			39			34			30			35			138
Acquisition and operating expenses, net of deferrals		23			22			17			17			79			24			22			22			22			90
Amortization of deferred acquisition costs and intangibles		10			10			9			9			38			7			8			9			8			32
Interest expense		—			—			—			1			1			1			1			—			1			3

Total benefits and expenses		90			90			89			77			346			71			65			61			66			263

INCOME BEFORE INCOME TAXES		104			102			89			88			383			96			123			154			109			482
Provision for income taxes		31			28			26			25			110			31			43			54			38			166

NET INCOME		73			74			63			63			273			65			80			100			71			316
Less: net income attributable to noncontrolling interests		35			26			—			—			61			—			—			—			—			—

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		38			48			63			63			212			65			80			100			71			316

ADJUSTMENTS TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(1	)		(3	)		(5	)		3			(6	)		1			—			(17	)		4			(12	)
Expenses related to reorganization, net of taxes		—			—			—			—			—			1			—			—			—			1

NET OPERATING INCOME⁽¹⁾	$	37		$	45		$	58		$	66		$	206		$	67		$	80		$	83		$	75		$	305


Effective tax rate (operating income)		32.5	%		21.6	%		29.2	%		28.7	%		28.2	%		31.9	%		35.2	%		35.0	%		35.0	%		34.4	%

SALES:
New Insurance Written (NIW)
Flow	$	4,700		$	4,400		$	3,600		$	2,400		$	15,100		$	4,800		$	8,000		$	7,500		$	4,900		$	25,200
Bulk		300			200			—			400			900			1,800			900			800			1,500			5,000

Total Canada NIW⁽²⁾	$	5,000		$	4,600		$	3,600		$	2,800		$	16,000		$	6,600		$	8,900		$	8,300		$	6,400		$	30,200

⁽¹⁾	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $31 million and $227 million for the three and twelve months ended December 31, 2009, respectively.

⁽²⁾	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $4,400 million and $16,900 million for the three and twelve months ended December 31, 2009, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income and Sales—International Mortgage Insurance—Australia

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	93		$	77		$	77		$	66		$	313		$	72		$	78		$	85		$	86		$	321
Net investment income		36			34			29			26			125			28			38			38			35			139
Net investment gains (losses)		—			(1	)		—			3			2			(1	)		(4	)		—			(1	)		(6	)
Insurance and investment product fees and other		1			1			—			—			2			(1	)		—			1			—			—

Total revenues		130			111			106			95			442			98			112			124			120			454

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		42			35			41			39			157			34			38			35			35			142
Acquisition and operating expenses, net of deferrals		16			14			12			12			54			13			13			18			19			63
Amortization of deferred acquisition costs and intangibles		8			6			7			5			26			5			6			6			7			24
Interest expense		—			—			—			—			—			—			—			—			—			—

Total benefits and expenses		66			55			60			56			237			52			57			59			61			229

INCOME BEFORE INCOME TAXES		64			56			46			39			205			46			55			65			59			225
Provision for income taxes		19			15			14			8			56			8			10			15			12			45

NET INCOME		45			41			32			31			149			38			45			50			47			180
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		45			41			32			31			149			38			45			50			47			180

ADJUSTMENTS TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			1			—			(2	)		(1	)		1			3			—			—			4
Expenses related to reorganization, net of taxes		—			—			—			—			—			1			—			—			—			1

NET OPERATING INCOME⁽¹⁾	$	45		$	42		$	32		$	29		$	148		$	40		$	48		$	50		$	47		$	185


Effective tax rate (operating income)		28.8	%		27.3	%		31.0	%		19.0	%		27.1	%		17.1	%		19.7	%		22.3	%		20.9	%		20.2	%

SALES:
New Insurance Written (NIW)
Flow	$	8,700		$	8,900		$	8,700		$	6,600		$	32,900		$	6,600		$	8,700		$	10,000		$	10,400		$	35,700
Bulk		—			—			—			—			—			300			600			600			1,000			2,500

Total Australia NIW⁽²⁾	$	8,700		$	8,900		$	8,700		$	6,600		$	32,900		$	6,900		$	9,300		$	10,600		$	11,400		$	38,200

⁽¹⁾	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $32 million and $159 million for the three and twelve months ended December 31, 2009, respectively.

⁽²⁾	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $6,400 million and $35,700 million for the three and twelve months ended December 31, 2009, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss) and Sales—Other International Mortgage Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	14		$	18		$	16		$	21		$	69		$	33		$	30		$	29		$	28		$	120
Net investment income		3			5			4			5			17			8			9			9			9			35
Net investment gains (losses)		—			1			—			(2	)		(1	)		2			(6	)		—			—			(4	)
Insurance and investment product fees and other		1			—			1			1			3			(1	)		—			—			1			—

Total revenues		18			24			21			25			88			42			33			38			38			151

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		14			24			21			20			79			34			26			19			21			100
Acquisition and operating expenses, net of deferrals		10			10			8			13			41			18			19			17			17			71
Amortization of deferred acquisition costs and intangibles		3			2			1			2			8			7			1			2			1			11
Interest expense		—			—			—			—			—			—			—			—			—			—

Total benefits and expenses		27			36			30			35			128			59			46			38			39			182

LOSS BEFORE INCOME TAXES		(9	)		(12	)		(9	)		(10	)		(40	)		(17	)		(13	)		—			(1	)		(31	)
Benefit for income taxes		(5	)		(4	)		(1	)		(4	)		(14	)		(7	)		(7	)		(1	)		(1	)		(16	)

NET INCOME (LOSS)		(4	)		(8	)		(8	)		(6	)		(26	)		(10	)		(6	)		1			—			(15	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		(4	)		(8	)		(8	)		(6	)		(26	)		(10	)		(6	)		1			—			(15	)

ADJUSTMENTS TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			(1	)		1			1			1			(1	)		4			—			—			3
Expenses related to reorganization, net of taxes		—			—			—			—			—			3			—			—			—			3

NET OPERATING INCOME (LOSS)⁽¹⁾	$	(4	)	$	(9	)	$	(7	)	$	(5	)	$	(25	)	$	(8	)	$	(2	)	$	1		$	—		$	(9	)


Effective tax rate (operating income (loss))		46.7	%		38.6	%		7.7	%		39.8	%		34.3	%		40.7	%		74.7	%		219.7	%		154.3	%		56.8	%

SALES:
New Insurance Written (NIW)
Flow	$	900		$	900		$	600		$	900		$	3,300		$	1,500		$	2,000		$	2,100		$	2,300		$	7,900
Bulk		—			—			100			—			100			—			1,100			500			700			2,300

Total Other International NIW⁽²⁾	$	900		$	900		$	700		$	900		$	3,400		$	1,500		$	3,100		$	2,600		$	3,000		$	10,200

⁽¹⁾	Net operating income (loss) for the Other International platform adjusted for foreign exchange as compared to the prior year period was $(3) million and $(21) million for the three and twelve months ended December 31, 2009, respectively.

⁽²⁾	New insurance written for the Other International platform adjusted for foreign exchange as compared to the prior year period was $800 million and $3,700 million for the three and twelve months ended December 31, 2009, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written
Canada	$	104		$	94		$	70		$	52		$	320		$	129		$	214		$	198		$	130		$	671
Australia		99			101			110			82			392			73			82			89			97			341
Other International⁽²⁾		(28	)		9			1			4			(14	)		(62	)		10			5			18			(29	)

Total International Net Premiums Written	$	175		$	204		$	181		$	138		$	698		$	140		$	306		$	292		$	245		$	983

Loss Ratio⁽³⁾
Canada		39	%		41	%		48	%		39	%		42	%		32	%		25	%		21	%		26	%		26	%
Australia		45	%		45	%		54	%		59	%		50	%		47	%		48	%		41	%		41	%		44	%
Other International		107	%		131	%		129	%		95	%		115	%		99	%		87	%		70	%		71	%		83	%
Total International Loss Ratio		45	%		50	%		56	%		51	%		50	%		46	%		40	%		33	%		37	%		39	%
GAAP Basis Expense Ratio⁽⁴⁾
Canada		23	%		22	%		21	%		20	%		21	%		25	%		22	%		22	%		23	%		23	%
Australia		26	%		25	%		25	%		26	%		26	%		26	%		23	%		28	%		31	%		27	%
Other International⁽²⁾		94	%		67	%		52	%		74	%		71	%		76	%		67	%		66	%		64	%		68	%
Total International GAAP Basis Expense Ratio		28	%		26	%		24	%		27	%		26	%		33	%		28	%		29	%		30	%		30	%
Adjusted Expense Ratio⁽⁵⁾
Canada		32	%		33	%		38	%		50	%		36	%		23	%		14	%		16	%		23	%		18	%
Australia		24	%		20	%		17	%		21	%		20	%		25	%		22	%		27	%		27	%		25	%
Other International⁽²⁾		-45	%		127	%		NM	⁽¹⁾		364	%		-341	%		-34	%		190	%		362	%		104	%		-277	%
Total International Adjusted Expense Ratio		40	%		31	%		30	%		42	%		35	%		50	%		22	%		25	%		31	%		29	%
Primary Insurance In-force
Canada	$	213,500		$	204,900		$	186,600		$	169,700					$	171,500		$	192,800		$	194,100		$	185,000
Australia		248,000			241,400			218,500			185,800						184,500			207,500			249,900			234,600
Other International⁽²⁾		37,200			48,800			47,700			45,100						49,400			64,300			71,500			72,400

Total International Primary Insurance In-force	$	498,700		$	495,100		$	452,800		$	400,600					$	405,400		$	464,600		$	515,500		$	492,000

Primary Risk In-force⁽⁶⁾
Canada
Flow	$	59,400		$	56,800		$	51,400		$	46,700					$	47,300		$	53,300		$	53,400		$	50,700
Bulk		15,300			14,900			13,900			12,700						12,700			14,200			14,500			14,100

Total Canada		74,700			71,700			65,300			59,400						60,000			67,500			67,900			64,800

Australia
Flow		77,300			75,000			67,700			57,300						56,700			63,700			76,500			71,600
Bulk		9,500			9,500			8,800			7,700						7,900			8,900			11,000			10,500

Total Australia		86,800			84,500			76,500			65,000						64,600			72,600			87,500			82,100

Other International
Flow⁽²⁾		4,900			5,800			5,600			5,300						5,600			7,100			7,900			8,000
Bulk		300			600			600			600						700			800			800			800

Total Other International		5,200			6,400			6,200			5,900						6,300			7,900			8,700			8,800

Total International Primary Risk In-force	$	166,700		$	162,600		$	148,000		$	130,300					$	130,900		$	148,000		$	164,100		$	155,700

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

⁽¹⁾	“NM” is defined as not meaningful for increases or decreases greater than 500%.

⁽²⁾	Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe.

⁽³⁾

The ratio of incurred losses and loss adjustment expense to net earned premiums. In determining the pricing of the mortgage insurance products, the company develops a pricing loss ratio which uses industry and company loss experience over a number of years, which incorporates both favorable and unfavorable economic environments, differing coverage levels and varying capital requirements. Actual results may vary from pricing loss ratios for a number of reasons, which include differing economic conditions and actual individual product and lender performance. New business pricing loss ratios for the international businesses were as follows for all periods: Canada 35%-40%, Australia 25%-35% and Europe 60%-65%. However, in the second half of 2009, re-pricing efforts in Europe resulted in new business pricing loss ratios of 40%-50% in most countries.

⁽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 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 and excludes reorganization expenses recorded in the fourth quarter of 2008.

⁽⁶⁾

The businesses in Australia, New Zealand 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, New Zealand and Canada. This factor was 35% for all periods presented.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance—Canada

(dollar amounts in millions)


Primary Insurance	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
Insured loans in-force		1,213,080			1,198,792			1,188,541			1,174,756			1,168,884
Insured delinquent loans		3,381			3,359			3,551			3,365			2,940
Insured delinquency rate		0.28	%		0.28	%		0.30	%		0.29	%		0.25	%
Flow loans in-force		931,882			918,015			904,702			893,680			890,092
Flow delinquent loans		3,149			3,102			3,283			3,074			2,680
Flow delinquency rate		0.34	%		0.34	%		0.36	%		0.34	%		0.30	%
Bulk loans in-force		281,198			280,777			283,839			281,076			278,792
Bulk delinquent loans		232			257			268			291			260
Bulk delinquency rate		0.08	%		0.09	%		0.09	%		0.10	%		0.09	%

Loss Metrics	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
Beginning Reserves	$	213		$	192		$	155		$	130		$	127
Paid claims		(57	)		(52	)		(39	)		(22	)		(18	)
Increase in reserves		59			58			62			50			39
Impact of changes in foreign exchange rates		4			15			14			(3	)		(18	)

Ending Reserves	$	219		$	213		$	192		$	155		$	130


	December 31, 2009						September 30, 2009						December 31, 2008
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		48	%		0.23	%		48	%		0.25	%		48	%	0.25	%
British Columbia		16			0.25	%		16			0.23	%		16		0.15	%
Alberta		15			0.54	%		15			0.50	%		15		0.31	%
Quebec		14			0.29	%		14			0.29	%		14		0.26	%
Nova Scotia		2			0.28	%		2			0.31	%		2		0.29	%
Saskatchewan		2			0.15	%		2			0.12	%		2		0.07	%
Manitoba		1			0.12	%		1			0.09	%		1		0.10	%
New Brunswick		1			0.29	%		1			0.25	%		1		0.24	%
All Other		1			0.10	%		1			0.13	%		1		0.19	%

Total		100	%		0.28	%		100	%		0.28	%		100	%	0.25	%

By Policy Year
2000 and Prior		8	%		0.02	%		8	%		0.02	%		8	%	0.04	%
2001		3			0.03	%		3			0.04	%		3		0.06	%
2002		5			0.04	%		5			0.04	%		5		0.07	%
2003		6			0.08	%		6			0.11	%		7		0.12	%
2004		9			0.12	%		9			0.14	%		10		0.20	%
2005		9			0.20	%		10			0.22	%		11		0.28	%
2006		12			0.42	%		12			0.46	%		13		0.49	%
2007		24			0.58	%		25			0.56	%		27		0.42	%
2008		15			0.50	%		15			0.40	%		16		0.11	%
2009		9			0.05	%		7			0.04	%		—		—	%

Total		100	%		0.28	%		100	%		0.28	%		100	%	0.25	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance—Canada

(Canadian dollar amounts in millions)


	2009														2008
	4Q			3Q			2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims
Flow	$	58		$	56		$	45		$	27		$	186	$	21		$	20		$	20		$	15		$	76
Bulk		2			1			—			1			4		1			—			—			—			1

Total Paid Claims	$	60		$	57		$	45		$	28		$	190	$	22		$	20		$	20		$	15		$	77

Average Paid Claim (in thousands)	$	71.0		$	69.8		$	66.9		$	64.2				$	62.1		$	56.3		$	54.5		$	49.6

Average Reserve Per Delinquency (in thousands)	$	67.8		$	68.2		$	62.8		$	58.1				$	54.6		$	53.7		$	50.8		$	45.3

Loss Metrics
Beginning Reserves	$	229		$	223		$	196		$	161				$	135		$	119		$	109		$	89
Paid claims		(60	)		(57	)		(45	)		(28	)				(22	)		(20	)		(20	)		(15	)
Increase in reserves		60			63			72			63					48			36			30			35

Ending Reserves	$	229		$	229		$	223		$	196				$	161		$	135		$	119		$	109


Loan Amount
Over $550K		3	%		3	%		3	%		3	%				3	%		3	%		3	%		3	%
$400K to $550K		7			7			7			6					6			6			6			6
$250K to $400K		28			27			27			27					27			26			26			25
$100K to $250K		55			56			55			56					56			57			57			58
$100K or Less		7			7			8			8					8			8			8			8

Total		100	%		100	%		100	%		100	%				100	%		100	%		100	%		100	%

Average Primary Loan Size (in thousands)	$	185		$	183		$	182		$	182				$	181		$	180		$	178		$	176

All amounts presented in Canadian dollars.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance—Australia

(dollar amounts in millions)


Primary Insurance	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
Insured loans in-force		1,475,157			1,466,618			1,451,862			1,439,276			1,426,277
Insured delinquent loans		6,834			6,564			7,094			6,996			6,220
Insured delinquency rate		0.46	%		0.45	%		0.49	%		0.49	%		0.44	%
Flow loans in-force		1,306,302			1,295,401			1,278,246			1,262,895			1,247,218
Flow delinquent loans		6,724			6,438			6,963			6,851			6,118
Flow delinquency rate		0.51	%		0.50	%		0.54	%		0.54	%		0.49	%
Bulk loans in-force		168,855			171,217			173,616			176,381			179,059
Bulk delinquent loans		110			126			131			145			102
Bulk delinquency rate		0.07	%		0.07	%		0.08	%		0.08	%		0.06	%

Loss Metrics	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
Beginning Reserves	$	186		$	172		$	154		$	138		$	141
Paid claims		(28	)		(38	)		(49	)		(23	)		(21	)
Increase in reserves		41			36			41			39			34
Impact of changes in foreign exchange rates		3			16			26			—			(16	)

Ending Reserves	$	202		$	186		$	172		$	154		$	138


	December 31, 2009						September 30, 2009						December 31, 2008
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		32	%		0.60	%		32	%		0.63	%		33	%	0.75	%
Victoria		23			0.37	%		23			0.36	%		22		0.35	%
Queensland		22			0.38	%		22			0.34	%		21		0.26	%
Western Australia		10			0.37	%		10			0.32	%		10		0.24	%
South Australia		5			0.29	%		5			0.27	%		5		0.25	%
New Zealand		3			1.57	%		3			1.39	%		4		0.79	%
Australian Capital Territory		2			0.08	%		2			0.11	%		2		0.11	%
Tasmania		2			0.21	%		2			0.20	%		2		0.15	%
Northern Territory		1			0.09	%		1			0.13	%		1		0.10	%

Total		100	%		0.46	%		100	%		0.45	%		100	%	0.44	%

By Policy Year
2000 and Prior		9	%		0.02	%		9	%		0.01	%		10	%	0.02	%
2001		3			0.06	%		3			0.08	%		3		0.06	%
2002		5			0.10	%		5			0.11	%		6		0.11	%
2003		6			0.25	%		6			0.25	%		7		0.25	%
2004		8			0.38	%		8			0.47	%		9		0.58	%
2005		11			0.58	%		11			0.62	%		13		0.78	%
2006		14			0.81	%		15			0.80	%		17		0.88	%
2007		15			1.06	%		17			0.96	%		19		0.65	%
2008		14			0.83	%		14			0.62	%		16		0.17	%
2009		15			0.10	%		12			0.06	%		—		—	%

Total		100	%		0.46	%		100	%		0.45	%		100	%	0.44	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance—Australia

(Australian dollar amounts in millions)


	2009														2008
	4Q			3Q			2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims
Flow	$	31		$	45		$	62		$	33		$	171	$	31		$	32		$	38		$	42		$	143
Bulk		—			1			—			1			2		1			1			—			1			3

Total Paid Claims	$	31		$	46		$	62		$	34		$	173	$	32		$	33		$	38		$	43		$	146

Average Paid Claim (in thousands)	$	68.1		$	61.4		$	62.6		$	55.4				$	60.4		$	60.6		$	73.7		$	75.9

Average Reserve Per Delinquency (in thousands)	$	32.8		$	32.1		$	30.0		$	31.6				$	31.7		$	31.9		$	31.1		$	34.6

Loss Metrics
Beginning Reserves	$	211		$	213		$	221		$	197				$	179		$	171		$	172		$	177
Paid claims		(31	)		(46	)		(62	)		(34	)				(32	)		(33	)		(38	)		(43	)
Increase in reserves		45			44			54			58					50			41			37			38

Ending Reserves	$	225		$	211		$	213		$	221				$	197		$	179		$	171		$	172


Loan Amount
Over $550K		10	%		10	%		10	%		10	%				10	%		10	%		10	%		9	%
$400K to $550K		13			13			13			13					12			12			12			12
$250K to $400K		35			34			34			33					33			33			32			32
$100K to $250K		34			35			35			36					37			37			37			38
$100K or Less		8			8			8			8					8			8			9			9

Total		100	%		100	%		100	%		100	%				100	%		100	%		100	%		100	%

Average Primary Loan Size (in thousands)	$	187		$	187		$	186		$	186				$	186		$	184		$	183		$	183

All amounts presented in Australian dollars.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Selected Key Performance Measures—International Mortgage Insurance

(amounts in millions)


	December 31, 2009						September 30, 2009
Risk In-force by Loan-To-Value Ratio⁽¹⁾	Primary		Flow		Bulk		Primary		Flow		Bulk
Canada
95.01% and above	$	25,251	$	25,251	$	—	$	23,961	$	23,961	$	—
90.01% to 95.00%		19,703		19,700		3		18,949		18,946		3
80.01% to 90.00%		13,160		12,145		1,015		12,649		11,700		950
80.00% and below		16,617		2,299		14,319		16,158		2,198		13,960

Total Canada	$	74,731	$	59,395	$	15,337	$	71,717	$	56,805	$	14,912

Australia
95.01% and above	$	13,760	$	13,760	$	1	$	13,224	$	13,223	$	1
90.01% to 95.00%		16,545		16,532		13		15,520		15,507		13
80.01% to 90.00%		21,548		21,407		142		20,742		20,599		143
80.00% and below		34,941		25,596		9,345		35,005		25,691		9,314

Total Australia	$	86,794	$	77,294	$	9,500	$	84,491	$	75,020	$	9,471

Other International
95.01% and above	$	1,166	$	1,166	$	—	$	1,680	$	1,674	$	6
90.01% to 95.00%		2,240		2,196		44		2,526		2,435		90
80.01% to 90.00%		1,557		1,343		214		1,905		1,482		422
80.00% and below		230		212		18		273		224		49

Total Other International	$	5,193	$	4,916	$	277	$	6,384	$	5,816	$	568

Amounts may not total due to rounding.

⁽¹⁾	Loan amount in loan-to-value ratio calculation includes capitalized premiums, where applicable.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income and Sales—Lifestyle Protection Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	288		$	287		$	284		$	282		$	1,141		$	303		$	342		$	375		$	362		$	1,382
Net investment income		36			42			47			32			157			37			49			51			46			183
Net investment gains (losses)		—			(3	)		(1	)		(13	)		(17	)		(4	)		(27	)		(1	)		—			(32	)
Insurance and investment product fees and other		2			10			4			4			20			2			6			6			10			24

Total revenues		326			336			334			305			1,301			338			370			431			418			1,557

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		76			83			101			83			343			69			49			76			72			266
Acquisition and operating expenses, net of deferrals		163			169			160			153			645			191			200			216			200			807
Amortization of deferred acquisition costs and intangibles		56			47			49			58			210			53			72			80			87			292
Interest expense		4			15			24			7			50			5			18			8			6			37

Total benefits and expenses		299			314			334			301			1,248			318			339			380			365			1,402

INCOME BEFORE INCOME TAXES		27			22			—			4			53			20			31			51			53			155
Provision (benefit) for income taxes		4			6			(3	)		1			8			2			8			3			15			28

NET INCOME		23			16			3			3			45			18			23			48			38			127
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		23			16			3			3			45			18			23			48			38			127

ADJUSTMENTS TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			2			1			8			11			3			17			1			—			21
Expenses related to reorganization, net of taxes		—			—			—			—			—			4			—			—			—			4

NET OPERATING INCOME⁽¹⁾	$	23		$	18		$	4		$	11		$	56		$	25		$	40		$	49		$	38		$	152


Effective tax rate (operating income)		17.3	%		26.2	%		-341.2	%		34.6	%		20.4	%		18.9	%		27.6	%		8.7	%		28.2	%		21.2	%

SALES:
Lifestyle Protection Insurance
Traditional indemnity premiums	$	283		$	289		$	272		$	267		$	1,111		$	306		$	333		$	390		$	334		$	1,363
Premium equivalents for administrative services only business		1			4			6			8			19			11			20			30			35			96
Reinsurance premiums assumed accounted for under the deposit method		180			181			178			132			671			148			260			301			270			979

Total Lifestyle Protection Insurance⁽²⁾		464			474			456			407			1,801			465			613			721			639			2,438
Mexico Operations		—			18			16			16			50			19			23			20			21			83

Total Sales	$	464		$	492		$	472		$	423		$	1,851		$	484		$	636		$	741		$	660		$	2,521


SALES BY REGION:
Lifestyle Protection Insurance
Established European Regions
Western region	$	57		$	53		$	51		$	50		$	211		$	61		$	88		$	120		$	130		$	399
Central region		98			112			107			97			414			138			153			182			153			626
Southern region		113			109			116			88			426			101			140			174			137			552
Nordic region		90			85			77			70			322			63			82			97			85			327
New Markets		29			41			36			36			142			33			71			63			56			223
Structured Deals⁽³⁾		77			74			69			66			286			69			79			85			78			311

Total Lifestyle Protection Insurance		464			474			456			407			1,801			465			613			721			639			2,438
Mexico Operations		—			18			16			16			50			19			23			20			21			83

Total Sales	$	464		$	492		$	472		$	423		$	1,851		$	484		$	636		$	741		$	660		$	2,521



Loss Ratio⁽⁴⁾		26	%		27	%		34	%		27	%		28	%		21	%		11	%		18	%		18	%		17	%
																				17	%⁽⁵⁾

The loss ratio included above was calculated using whole dollars and may be different than the ratio calculated using the rounded numbers included herein.

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the lifestyle protection insurance business was $20 million and $57 million for the three and twelve months ended December 31, 2009, respectively.

⁽²⁾	Sales adjusted for foreign exchange as compared to the prior year period for the lifestyle protection insurance business was $419 million and $1,974 million for the three and twelve months ended December 31, 2009, respectively.

⁽³⁾	Structured deals represent in-force blocks of business acquired through reinsurance arrangements and ongoing reciprocal arrangements in place with certain clients.

⁽⁴⁾	The ratio of incurred losses and loss adjustment expense to net earned premiums excluding amounts associated with the Mexico operations.

⁽⁵⁾	Excluding a reserve adjustment related to the company’s reinsurance runoff block of business in the third quarter of 2008, the loss ratio was 17%.

U.S. Mortgage Insurance

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Loss and Sales—U.S. Mortgage Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	146		$	156		$	164		$	170		$	636		$	182		$	185		$	190		$	183		$	740
Net investment income		32			34			35			33			134			33			36			36			37			142
Net investment gains (losses)		27			41			—			(19	)		49			(15	)		(45	)		1			1			(58	)
Insurance and investment product fees and other		2			4			(3	)		4			7			4			4			11			8			27

Total revenues		207			235			196			188			826			204			180			238			229			851

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		272			346			371			403			1,392			366			301			295			259			1,221
Acquisition and operating expenses, net of deferrals		33			34			33			32			132			32			33			36			37			138
Amortization of deferred acquisition costs and intangibles		6			6			5			5			22			14			46			11			9			80
Goodwill impairment		—			—			—			—			—			—			22			—			—			22

Total benefits and expenses		311			386			409			440			1,546			412			402			342			305			1,461

LOSS BEFORE INCOME TAXES		(104	)		(151	)		(213	)		(252	)		(720	)		(208	)		(222	)		(104	)		(76	)		(610	)
Benefit for income taxes		(48	)		(62	)		(79	)		(104	)		(293	)		(83	)		(73	)		(45	)		(41	)		(242	)

NET LOSS		(56	)		(89	)		(134	)		(148	)		(427	)		(125	)		(149	)		(59	)		(35	)		(368	)

ADJUSTMENT TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		(18	)		(27	)		—			13			(32	)		11			28			—			(1	)		38

NET OPERATING LOSS	$	(74	)	$	(116	)	$	(134	)	$	(135	)	$	(459	)	$	(114	)	$	(121	)	$	(59	)	$	(36	)	$	(330	)


Effective tax rate (operating loss)		43.8	%		39.7	%		37.2	%		41.7	%		40.3	%		40.1	%		32.2	%		43.4	%		53.9	%		40.1	%

SALES:
New Insurance Written (NIW)
Flow	$	1,800		$	1,500		$	1,600		$	2,500		$	7,400		$	3,200		$	6,200		$	14,000		$	15,000		$	38,400
Bulk		400			500			1,700			1,100			3,700			200			100			400			100			800
Pool		—			—			100			100			200			100			200			200			100			600

Total U.S. Mortgage Insurance NIW	$	2,200		$	2,000		$	3,400		$	3,700		$	11,300		$	3,500		$	6,500		$	14,600		$	15,200		$	39,800

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Growth Metrics—U.S. Mortgage Insurance

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	144		$	150		$	160		$	171		$	625		$	184		$	193		$	214		$	202		$	793
New Risk Written
Flow	$	373		$	316		$	323		$	510		$	1,522		$	713		$	1,475		$	3,465		$	3,768		$	9,421
Bulk⁽¹⁾		18			23			67			45			153			16			10			25			4			55

Total Primary		391			339			390			555			1,675			729			1,485			3,490			3,772			9,476
Pool		1			2			3			2			8			6			7			7			5			25

Total New Risk Written	$	392		$	341		$	393		$	557		$	1,683		$	735		$	1,492		$	3,497		$	3,777		$	9,501

Primary Insurance In-force	$	145,100		$	149,500		$	155,200		$	159,800					$	162,500		$	175,300		$	174,900		$	166,700

Risk In-force
Flow	$	30,951		$	31,846		$	32,803		$	34,085					$	34,950		$	35,169		$	34,667		$	32,398
Bulk⁽¹⁾		771			776			775			721						872			1,344			1,371			1,355

Total Primary		31,722			32,622			33,578			34,806						35,822			36,513			36,038			33,753
Pool		331			339			349			355						363			374			381			383

Total Risk In-force	$	32,053		$	32,961		$	33,927		$	35,161					$	36,185		$	36,887		$	36,419		$	34,136


Other Metrics—U.S. Mortgage Insurance
GAAP Basis Expense Ratio⁽²⁾		27	%		25	%		23	%		22	%		24	%		25	%		55	%		25	%		25	%		33	%
Adjusted Expense Ratio⁽³⁾		28	%		26	%		24	%		22	%		25	%		25	%		53	%		22	%		23	%		30	%
Flow Persistency		84	%		84	%		81	%		83	%					89	%		88	%		85	%		83	%
Gross written premiums ceded to captives/total direct written premiums		21	%		21	%		22	%		22	%					21	%		21	%		20	%		20	%
Risk To Capital Ratio⁽⁴⁾		N/A			15.1:1			14.8:1			13.8:1						13.6:1			14.3:1			14.8:1			13.2:1

Average primary loan size (in thousands)	$	163		$	163		$	164		$	164					$	164		$	170		$	169		$	166
Primary risk in-force subject to captives		50	%		51	%		52	%		53	%					53	%		53	%		55	%		58	%
Primary risk in-force that is GSE conforming		96	%		96	%		96	%		96	%					96	%		95	%		95	%		95	%
Primary interest only risk in-force with initial reset > 5 years		95	%		95	%		95	%		95	%					95	%		95	%		95	%		94	%
Primary risk in-force with potential to reset in 2008⁽⁵⁾		N/A			N/A			N/A			N/A						N/A			1.1	%		1.3	%		1.4	%
Primary risk in-force with potential to reset in 2009⁽⁵⁾		N/A			1.1	%		1.2	%		1.2	%					1.2	%		1.3	%		1.4	%		1.6	%
Primary risk in-force with potential to reset in 2010⁽⁵⁾		1.3	%		1.3	%		1.3	%		1.4	%					1.4	%
Primary risk in-force with potential to reset in 2011⁽⁵⁾		1.3	%

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

⁽¹⁾	The amounts previously presented for new risk written and risk in-force for the first quarter of 2008 have been revised to exclude deductible amounts specific to the GSE Alt-A and portfolio deals where the counterparty is in a first loss position.

⁽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, amortization of DAC and intangibles and goodwill impairment.

⁽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, amortization of DAC and intangibles and goodwill impairment and excludes reorganization expenses recorded in the fourth quarter of 2008.

⁽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 risk to capital ratio for the U.S. mortgage insurance business is not available for the current period due to the timing of the statutory statement filings.

In December 2008, the company received regulatory approval to change the calculation of the risk to capital ratio, thereby allowing the company to calculate statutory risk as risk in-force less the risk ceded to the captive participants. This change is reflected in the risk to capital ratio beginning in the fourth quarter of 2008. Risk to capital ratios for prior periods were not recalculated.

In April 2009, the company received regulatory approval to further change the calculation of the risk to capital ratio, thereby allowing the company to also exclude the risk on loans that are currently in default. This change is reflected in the risk to capital ratio beginning in the first quarter of 2009. Risk to capital ratios for prior periods were not recalculated.

⁽⁵⁾	Represents < 5 year adjustable rate mortgages excluding option adjustable rate mortgages (ARMs).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Loss Metrics—U.S. Mortgage Insurance

(dollar amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Paid Claims
Flow	$	202		$	177		$	187		$	197		$	763		$	171		$	131		$	89		$	79		$	470
Bulk		10			205			2			1			218			1			1			3			5			10

Total Primary		212			382			189			198			981			172			132			92			84			480
Pool		—			—			1			—			1			1			—			—			—			1

Total Net Paid Claims	$	212		$	382	⁽¹⁾	$	190		$	198		$	982		$	173		$	132		$	92		$	84		$	481

Average Paid Claim (in thousands)	$	49.2		$	100.6	⁽²⁾	$	49.5		$	55.5					$	52.3		$	48.6		$	42.9		$	42.4

Number of Primary Delinquencies
Flow		107,495			100,208			87,590			79,349						72,166			57,985			46,700			38,316
Bulk loans with established reserve		11,319			11,002			10,294			7,561						4,450			6,038			4,475			3,768
Bulk loans with no reserve⁽³⁾		3,465			4,220			4,916			6,054						6,761			7,535			6,630			4,442

Average Reserve Per Delinquency (in thousands)
Flow	$	18.9		$	20.0		$	22.9		$	23.1					$	21.5		$	20.5		$	19.1		$	15.8
Bulk loans with established reserve		20.8			19.2			12.7			11.3						10.8			19.8			18.2			14.9
Bulk loans with no reserve⁽³⁾		—			—			—			—						—			—			—			—

Beginning Reserves	$	2,233		$	2,264		$	2,028		$	1,711		$	1,711		$	1,312		$	973		$	661		$	467		$	467
Paid claims		(256	)		(425	) ⁽¹⁾		(213	)		(205	)		(1,099	)		(176	)		(133	)		(92	)		(84	)		(485	)
Increase in reserves		312			394	⁽¹⁾		449			522			1,677			575			472			404			278			1,729

Ending Reserves	$	2,289		$	2,233		$	2,264		$	2,028		$	2,289		$	1,711		$	1,312		$	973		$	661		$	1,711

Beginning Reinsurance Recoverable⁽⁴⁾	$	679		$	673		$	619		$	506		$	506		$	301		$	131		$	22		$	3		$	3
Ceded paid claims		(44	)		(43	)		(23	)		(7	)		(117	)		(3	)		(1	)		—			—			(4	)
Increase in recoverable		39			49			77			120			285			208			171			109			19			507

Ending Reinsurance Recoverable	$	674		$	679		$	673		$	619		$	674		$	506		$	301		$	131		$	22		$	506

Loss Ratio⁽⁵⁾		186	%		223	%		225	%		237	%		219	%		200	%		163	%		155	%		142	%		165	%
Estimated Savings For Loss Mitigation Activities⁽⁶⁾	$	290		$	224		$	188		$	145		$	847

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⁾

In the third quarter of 2009, the company settled arbitration proceedings with a lender regarding certain bulk transactions related to payment option adjustable rate (POA) loans. The settlement resolves prior claims, or pending and anticipated future unpaid claims for coverage benefits under the policies for the POA loans, and the lender’s bad faith counterclaims. Net paid claims included $203 million and the change in reserves included a decrease of $108 million related to this settlement.

⁽²⁾	Excluding the settlement in the third quarter of 2009 related to the bulk business, the average paid claim was approximately $47,200 in the third quarter of 2009.

⁽³⁾	Reserves are not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.

⁽⁴⁾	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 expense to net earned premiums. Excluding the effects of the settlement in the third quarter of 2009 related to the bulk business, the loss ratios were 162% and 204% for the three months ended September 30, 2009 and the twelve months ended December 31, 2009, respectively.

⁽⁶⁾

Loss mitigation activities include rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled pre-sales and other loan workouts and claim mitigation actions. Estimated savings for rescissions represent the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings for loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including pre-sales, the estimated savings represent the difference between the full claim obligation and the actual amount paid.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Portfolio Quality Metrics—U.S. Mortgage Insurance


	2009								2008
	4Q		3Q		2Q		1Q		4Q		3Q		2Q		1Q
Risk In-force by Credit Quality⁽¹⁾
Primary by FICO Scores >679	64	%	64	%	63	%	63	%	63	%	63	%	62	%	60	%
Primary by FICO Scores 620-679	28	%	28	%	29	%	29	%	29	%	29	%	30	%	31	%
Primary by FICO Scores 575-619	6	%	6	%	6	%	6	%	6	%	6	%	6	%	7	%
Primary by FICO Scores <575	2	%	2	%	2	%	2	%	2	%	2	%	2	%	2	%

Flow by FICO Scores >679	64	%	63	%	63	%	63	%	62	%	62	%	60	%	59	%
Flow by FICO Scores 620-679	28	%	29	%	29	%	29	%	30	%	30	%	31	%	32	%
Flow by FICO Scores 575-619	6	%	6	%	6	%	6	%	6	%	6	%	7	%	7	%
Flow by FICO Scores <575	2	%	2	%	2	%	2	%	2	%	2	%	2	%	2	%

Bulk by FICO Scores >679	86	%	85	%	85	%	84	%	83	%	84	%	84	%	84	%
Bulk by FICO Scores 620-679	12	%	13	%	13	%	14	%	15	%	14	%	14	%	14	%
Bulk by FICO Scores 575-619	1	%	1	%	1	%	1	%	1	%	1	%	1	%	1	%
Bulk by FICO Scores <575	1	%	1	%	1	%	1	%	1	%	1	%	1	%	1	%

Primary A minus	5	%	5	%	6	%	6	%	6	%	6	%	6	%	7	%
Primary Sub-prime⁽²⁾	5	%	5	%	5	%	5	%	5	%	5	%	6	%	6	%

Primary Loans
Primary loans in-force	890,730		914,770		947,777		973,988		990,357		1,033,789		1,034,697		1,001,430
Primary delinquent loans	122,279		115,430		102,800		92,964		83,377		71,558		57,805		46,526
Primary delinquency rate	13.73	%	12.62	%	10.85	%	9.54	%	8.42	%	6.92	%	5.59	%	4.65	%

Flow loans in-force	753,370		774,000		796,633		826,663		846,645		854,465		849,292		812,061
Flow delinquent loans	107,495		100,208		87,590		79,349		72,166		57,985		46,700		38,316
Flow delinquency rate	14.27	%	12.95	%	11.00	%	9.60	%	8.52	%	6.79	%	5.50	%	4.72	%

Bulk loans in-force	137,360		140,770		151,144		147,325		143,712		179,324		185,405		189,369
Bulk delinquent loans	14,784		15,222		15,210		13,615		11,211		13,573		11,105		8,210
Bulk delinquency rate	10.76	%	10.81	%	10.06	%	9.24	%	7.80	%	7.57	%	5.99	%	4.34	%

A minus and sub-prime loans in-force	89,678		93,344		97,271		101,413		104,845		108,028		110,979		112,383
A minus and sub-prime delinquent loans	29,238		28,151		25,271		23,448		23,047		19,583		16,171		13,254
A minus and sub-prime delinquency rate	32.60	%	30.16	%	25.98	%	23.12	%	21.98	%	18.13	%	14.57	%	11.79	%

Pool Loans
Pool loans in-force	20,370		20,859		21,166		21,870		21,940		21,233		20,266		19,536
Pool delinquent loans	781		741		632		586		568		509		464		415
Pool delinquency rate	3.83	%	3.55	%	2.99	%	2.68	%	2.59	%	2.40	%	2.29	%	2.12	%

⁽¹⁾	Loans with unknown FICO scores are included in the 620-679 category.

⁽²⁾	Excludes loans classified as A minus.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Portfolio Quality Metrics—U.S. Mortgage Insurance


	December 31, 2009				September 30, 2009				December 31, 2008
	% of Primary Risk In-force		Primary Delinquency Rate		% of Primary Risk In-force		Primary Delinquency Rate		% of Primary Risk In-force		Primary Delinquency Rate
By Region
Southeast⁽¹⁾	23	%	18.36	%	23	%	17.06	%	23	%	11.73	%
South Central⁽²⁾	17		12.42	%	17		11.01	%	17		7.27	%
Northeast⁽³⁾	13		11.60	%	13		10.48	%	13		6.72	%
North Central⁽⁴⁾	11		12.20	%	11		11.00	%	12		6.90	%
Pacific⁽⁵⁾	11		19.43	%	11		18.19	%	11		10.77	%
Great Lakes⁽⁶⁾	9		10.20	%	9		9.72	%	8		8.16	%
Plains⁽⁷⁾	6		8.29	%	6		7.50	%	6		4.72	%
Mid-Atlantic⁽⁸⁾	5		13.08	%	5		11.76	%	5		7.03	%
New England⁽⁹⁾	5		12.48	%	5		11.40	%	5		7.03	%

Total	100	%	13.73	%	100	%	12.62	%	100	%	8.42	%

By State
Florida	8	%	30.77	%	8	%	29.56	%	8	%	20.94	%
Texas	7	%	9.49	%	7	%	8.22	%	7	%	6.25	%
New York	6	%	9.42	%	6	%	8.44	%	6	%	5.26	%
California	5	%	21.87	%	5	%	21.04	%	5	%	13.36	%
Illinois	5	%	16.40	%	5	%	14.65	%	5	%	8.92	%
Georgia	4	%	17.62	%	4	%	15.59	%	4	%	10.21	%
North Carolina	4	%	11.73	%	4	%	10.08	%	4	%	6.74	%
Pennsylvania	4	%	11.13	%	4	%	10.02	%	4	%	6.97	%
New Jersey	4	%	17.35	%	4	%	15.81	%	4	%	9.52	%
Ohio	3	%	8.47	%	3	%	8.08	%	3	%	7.37	%

⁽¹⁾	Alabama, Arkansas, Florida, Georgia, Mississippi, North Carolina, South Carolina and Tennessee

⁽²⁾	Arizona, Colorado, Louisiana, New Mexico, Oklahoma, Texas and Utah

⁽³⁾	New Jersey, New York and Pennsylvania

⁽⁴⁾	Illinois, Minnesota, Missouri and Wisconsin

⁽⁵⁾	Alaska, California, Hawaii, Nevada, Oregon and Washington

⁽⁶⁾	Indiana, Kentucky, Michigan and Ohio

⁽⁷⁾	Idaho, Iowa, Kansas, Montana, Nebraska, North Dakota, South Dakota and Wyoming

⁽⁸⁾	Delaware, Maryland, Virginia, Washington D.C. and West Virginia

⁽⁹⁾	Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in millions)


Primary Risk In-force:	December 31, 2009		% of Total		September 30, 2009		% of Total		December 31, 2008		% of Total
Lender concentration (by original applicant)	$	31,722			$	32,622			$	35,822
Top 10 lenders		15,814				16,377				17,639
Top 20 lenders		18,540				19,222				21,140

Loan-to-value ratio
95.01% and above	$	7,962	25	%	$	8,182	25	%	$	9,084	25	%
90.01% to 95.00%		10,832	34			11,117	34			12,247	34
80.01% to 90.00%		12,245	39			12,633	39			13,691	39
80.00% and below		683	2			690	2			800	2

Total	$	31,722	100	%	$	32,622	100	%	$	35,822	100	%

Loan grade
Prime	$	28,376	89	%	$	29,121	89	%	$	31,838	89	%
A minus and sub-prime		3,346	11			3,501	11			3,984	11

Total	$	31,722	100	%	$	32,622	100	%	$	35,822	100	%

Loan type⁽¹⁾
First mortgages
Fixed rate mortgage
Flow	$	30,196	95	%	$	31,027	95	%	$	33,928	95	%
Bulk		690	2			690	2			779	2
Adjustable rate mortgage
Flow		755	3			819	3			1,022	3
Bulk		81	—			86	—			93	—
Second mortgages		—	—			—	—			—	—

Total	$	31,722	100	%	$	32,622	100	%	$	35,822	100	%

Type of documentation
Alt-A
Flow	$	1,064	3	%	$	1,150	3	%	$	1,359	4	%
Bulk		244	1			261	1			324	1
Standard⁽²⁾
Flow		29,887	94			30,696	94			33,591	94
Bulk		527	2			515	2			548	1

Total	$	31,722	100	%	$	32,622	100	%	$	35,822	100	%

Mortgage term
15 years and under	$	367	1	%	$	369	1	%	$	428	1	%
More than 15 years		31,355	99			32,253	99			35,394	99

Total	$	31,722	100	%	$	32,622	100	%	$	35,822	100	%

⁽¹⁾	For loan type in this table, any loan with an interest rate that is fixed for an initial term of five years or more is categorized as a fixed rate mortgage.

⁽²⁾	Standard includes loans with reduced or different documentation requirements that meet specifications of GSE approved underwriting systems with historical and expected delinquency rates consistent with the company’s standard portfolio.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in millions)


	December 31, 2009
Policy Year	Average Rate⁽¹⁾		Primary Insurance In-force			% of Total		Primary Risk In-force		% of Total
1998 and Prior	7.98	%	$	1,561		1.1	%	$	407	1.3	%
1999	7.33	%		610		0.4			156	0.5
2000	8.25	%		379		0.3			95	0.3
2001	7.47	%		1,426		1.0			359	1.1
2002	6.62	%		3,413		2.4			826	2.6
2003	5.65	%		13,686		9.4			2,306	7.3
2004	5.87	%		7,965		5.5			1,771	5.6
2005	5.98	%		12,480		8.6			3,148	9.9
2006	6.55	%		19,250		13.2			4,137	13.0
2007	6.65	%		41,225		28.4			8,921	28.1
2008	6.21	%		32,555		22.4			7,987	25.2
2009	5.08	%		10,550		7.3			1,609	5.1

Total	6.28	%	$	145,100		100.0	%	$	31,722	100.0	%


Occupancy and Property Type	December 31, 2009		September 30, 2009
Occupancy Status % of Primary Risk In-force
Primary residence	93.2	%		93.0	%
Second home	4.1			4.2
Non-owner occupied	2.7			2.8

Total	100.0	%		100.0	%

Property Type % of Primary Risk In-force
Single family detached	85.6	%		85.5	%
Condominium and co-operative	11.3			11.3
Multi-family and other	3.1			3.2

Total	100.0	%		100.0	%

⁽¹⁾	Average Annual Mortgage Interest Rate

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in billions)


	FICO > 679												FICO 620 - 679⁽¹⁾												FICO < 620												Total
	2009												2009												2009												2009
Primary Risk In-force	4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q
Total Primary Risk In-force	$	20.4		$	20.8		$	21.3		$	22.0		$	8.9		$	9.3		$	9.7		$	10.1		$	2.4		$	2.5		$	2.6		$	2.7		$	31.7		$	32.6		$	33.6		$	34.8
Delinquency rate⁽²⁾		8.8	%		8.1	%		7.0	%		6.0	%		20.8	%		18.8	%		16.0	%		14.0	%		33.0	%		30.6	%		26.5	%		23.6	%		13.7	%		12.6	%		10.8	%		9.5	%
2009 policy year	$	1.5		$	1.2		$	0.8		$	0.5		$	0.1		$	0.1		$	0.1		$	—		$	—		$	—		$	—		$	—		$	1.6		$	1.3		$	0.9		$	0.5
Delinquency rate		0.1	%		0.1	%		—	%		—	%		1.2	%		1.1	%		0.5	%		—	%		5.4	%		5.4	%		1.8	%		—	%		0.2	%		0.1	%		0.1	%		—	%
2008 policy year	$	6.1		$	6.3		$	6.5		$	6.8		$	1.6		$	1.6		$	1.7		$	1.7		$	0.3		$	0.3		$	0.3		$	0.3		$	8.0		$	8.2		$	8.5		$	8.8
Delinquency rate		5.2	%		4.0	%		2.9	%		2.2	%		14.2	%		11.7	%		8.8	%		7.1	%		29.3	%		25.9	%		21.0	%		18.2	%		7.8	%		6.3	%		4.7	%		3.7	%
2007 policy year	$	5.1		$	5.2		$	5.5		$	5.8		$	2.9		$	3.1		$	3.2		$	3.3		$	0.9		$	1.0		$	1.0		$	1.1		$	8.9		$	9.3		$	9.7		$	10.2
Delinquency rate		15.1	%		13.9	%		12.0	%		10.0	%		26.2	%		23.6	%		19.8	%		17.1	%		39.4	%		36.7	%		32.1	%		28.4	%		21.1	%		19.3	%		16.6	%		14.2	%
2006 policy year	$	2.4		$	2.5		$	2.6		$	2.7		$	1.3		$	1.4		$	1.5		$	1.6		$	0.4		$	0.4		$	0.5		$	0.5		$	4.1		$	4.3		$	4.6		$	4.8
Delinquency rate		16.0	%		15.2	%		13.8	%		12.0	%		25.4	%		23.9	%		21.1	%		18.8	%		34.1	%		32.0	%		27.7	%		25.2	%		20.6	%		19.4	%		17.3	%		15.3	%
2005 policy year	$	1.8		$	1.9		$	2.0		$	2.1		$	1.1		$	1.1		$	1.1		$	1.2		$	0.3		$	0.3		$	0.3		$	0.3		$	3.2		$	3.3		$	3.4		$	3.6
Delinquency rate		11.4	%		10.2	%		8.6	%		7.4	%		21.4	%		19.4	%		16.6	%		14.8	%		28.5	%		26.2	%		22.9	%		20.3	%		16.0	%		14.5	%		12.3	%		10.8	%
2004 and prior policy years	$	3.5		$	3.7		$	3.9		$	4.1		$	1.9		$	2.0		$	2.1		$	2.3		$	0.5		$	0.5		$	0.5		$	0.5		$	5.9		$	6.2		$	6.5		$	6.9
Delinquency rate		5.5	%		4.8	%		3.9	%		3.4	%		16.5	%		14.9	%		12.9	%		11.5	%		26.0	%		24.1	%		20.7	%		18.9	%		10.1	%		9.1	%		7.6	%		6.7	%

Fixed rate mortgage	$	19.9		$	20.3		$	20.7		$	21.4		$	8.7		$	9.0		$	9.4		$	9.8		$	2.3		$	2.4		$	2.5		$	2.6		$	30.9		$	31.7		$	32.6		$	33.8
Delinquency rate		8.4	%		7.7	%		6.5	%		5.6	%		20.5	%		18.5	%		15.6	%		13.6	%		32.8	%		30.4	%		26.3	%		23.4	%		13.4	%		12.2	%		10.4	%		9.1	%
Adjustable rate mortgage	$	0.5		$	0.5		$	0.6		$	0.6		$	0.2		$	0.3		$	0.3		$	0.3		$	0.1		$	0.1		$	0.1		$	0.1		$	0.8		$	0.9		$	1.0		$	1.0
Delinquency rate		26.6	%		27.0	%		26.3	%		24.2	%		30.2	%		29.8	%		28.3	%		27.5	%		38.4	%		37.7	%		35.0	%		35.2	%		28.6	%		28.6	%		27.5	%		26.1	%

Loan-to-value > 95%	$	4.1		$	4.1		$	4.3		$	4.4		$	3.0		$	3.1		$	3.2		$	3.3		$	0.9		$	1.0		$	1.0		$	1.1		$	8.0		$	8.2		$	8.5		$	8.8
Delinquency rate		10.0	%		8.8	%		6.9	%		5.7	%		23.8	%		21.6	%		18.1	%		15.6	%		38.8	%		36.0	%		31.4	%		27.8	%		18.9	%		17.1	%		14.3	%		12.3	%
Alt-A⁽³⁾	$	0.9		$	0.9		$	1.0		$	1.1		$	0.3		$	0.4		$	0.4		$	0.4		$	0.1		$	0.1		$	0.1		$	0.1		$	1.3		$	1.4		$	1.5		$	1.6
Delinquency rate		27.1	%		26.7	%		24.7	%		21.9	%		38.4	%		37.2	%		34.8	%		32.1	%		36.4	%		35.3	%		31.6	%		31.7	%		29.8	%		29.2	%		27.0	%		24.3	%
Interest only and option ARMs	$	2.0		$	2.1		$	2.2		$	2.3		$	0.7		$	0.8		$	0.8		$	0.9		$	0.1		$	0.1		$	0.1		$	0.1		$	2.8		$	3.0		$	3.1		$	3.3
Delinquency rate		29.3	%		28.2	%		26.6	%		23.4	%		41.3	%		39.4	%		36.5	%		33.1	%		47.2	%		46.1	%		42.3	%		40.1	%		32.5	%		31.2	%		29.3	%		26.1	%

⁽¹⁾	Loans with unknown FICO scores are included in the 620-679 category.

⁽²⁾	Delinquency rate represents the number of lender reported delinquencies divided by the number of remaining policies consistent with mortgage insurance practices.

⁽³⁾	Alt-A consists of loans with reduced documentation or verification of income or assets and a higher historical and expected delinquency rate than standard documentation loans.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Other Metrics—U.S. Mortgage Insurance Bulk Risk In-force

(dollar amounts in millions)


	December 31, 2009			September 30, 2009			December 31, 2008
GSE Alt-A
Risk in-force	$	295		$	315		$	338
Average FICO score		721			720			720
Loan-to-value ratio		79	%		79	%		79	%
Standard documentation⁽¹⁾		24	%		23	%		22	%
Stop loss		100	%		100	%		100	%
Deductible		81	%		81	%		81	%

FHLB
Risk in-force	$	391		$	377		$	443
Average FICO score		755			754			741
Loan-to-value ratio		75	%		75	%		76	%
Standard documentation⁽¹⁾		96	%		96	%		87	%
Stop loss		90	%		89	%		86	%
Deductible		100	%		100	%		100	%

Other
Risk in-force	$	85		$	84		$	91
Average FICO score		701			692			692
Loan-to-value ratio		91	%		91	%		91	%
Standard documentation⁽¹⁾		96	%		96	%		96	%
Stop loss		9	%		9	%		9	%
Deductible		—	%		—	%		—	%
Total Bulk Risk In-force	$	771		$	776		$	872

⁽¹⁾	Standard documentation includes loans with reduced or different documentation requirements that meet specifications of GSE approved underwriting systems with historical and expected delinquency rates consistent with the standard portfolio.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Aggregate Book Year Analysis Provided to Illustrate Directional Progression Toward Captive Attachment⁽¹⁾


					December 31, 2009						September 30, 2009						June 30, 2009						March 31, 2009
Book Year⁽²⁾	Original Book Risk In-force ($B)		Progression To Attachment Point		Current Risk In-force ($B)		Ever-To- Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To- Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To- Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To- Date Incurred Losses ($MM)		Captive Benefits ($MM)
2004			0-50	%	$	0.4	$	22			$	0.6	$	35			$	0.6	$	36			$	0.8	$	37
2004			50-75	%		0.4		33				0.3		23				0.4		28				0.2		19
2004			75-99	%		0.2		23				0.1		13				—		3				0.1		5
2004			Attached			—		8				—		8				0.1		7				—		5

2004 Total	$	3.5			$	1.0	$	86	$	—	$	1.0	$	79	$	—	$	1.1	$	74	$	1	$	1.1	$	66	$	—

2005			0-50	%	$	—	$	1			$	—	$	1			$	—	$	1			$	0.1	$	1
2005			50-75	%		—		1				0.1		3				0.1		5				0.1		3
2005			75-99	%		0.1		5				—		2				—		—				0.2		16
2005			Attached			1.9		331				2.0		310				2.1		300				1.9		248

2005 Total	$	4.3			$	2.0	$	338		16	$	2.1	$	316		12	$	2.2	$	306		27	$	2.3	$	268		28

2006			0-50	%	$	0.1	$	1			$	0.1	$	1			$	0.1	$	1			$	0.1	$	1
2006			50-75	%		—		1				—		—				—		—				—		1
2006			75-99	%		—		1				—		1				—		2				0.1		4
2006			Attached			2.3		516				2.5		501				2.6		495				2.6		440

2006 Total	$	4.0			$	2.4	$	519		6	$	2.6	$	503		12	$	2.7	$	498		16	$	2.8	$	446		23

2007			0-50	%	$	—	$	—			$	—	$	—			$	—	$	1			$	0.1	$	2
2007			50-75	%		—		1				0.1		4				0.1		2				0.1		6
2007			75-99	%		0.1		4				0.1		6				0.1		6				—		3
2007			Attached			4.9		878				5.1		814				5.4		791				5.6		700

2007 Total	$	6.4			$	5.0	$	883		15	$	5.3	$	824		15	$	5.6	$	800		32	$	5.8	$	711		65

2008			0-50	%	$	0.8	$	8			$	1.2	$	16			$	1.3	$	14			$	1.5	$	12
2008			50-75	%		0.4		13				0.9		27				1.1		33				1.0		26
2008			75-99	%		1.1		47				0.3		13				0.1		3				0.1		3
2008			Attached			0.3		22				0.3		21				0.4		18				0.4		18

2008 Total	$	3.1			$	2.6	$	90		2	$	2.7	$	77		2	$	2.9	$	68		—	$	3.0	$	59		3



Captive Benefits In Quarter ($MM)									$	39					$	41					$	76					$	119

⁽¹⁾

Data presented in aggregate for all trusts. Actual trust attachment and exit points will vary by individual lender contract. For purposes of this illustration, ever-to-date incurred losses equal current reserves plus ever-to-date paid claims. The information presented excludes quota share captive reinsurance data. Progress toward captive attachment is determined at a lender level for each book year by dividing ever-to-date incurred losses by original risk in-force for that book year.

⁽²⁾	Book year figures may include loans from additional periods pursuant to reinsurance agreement terms and conditions.

Corporate and Other

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Operating Income (Loss)—Corporate and Other^(1),(2)

(amounts in millions)


	2009⁽³⁾															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	1		$	1		$	2		$	5		$	5		$	6		$	5		$	21
Net investment income		33			25			60			55			173			101			136			154			195			586
Net investment gains (losses)		(21	)		(65	)		(61	)		(162	)		(309	)		(273	)		(237	)		(340	)		(72	)		(922	)
Insurance and investment product fees and other		22			12			41			75			150			80			81			4			4			169

Total revenues		34			(28	)		41			(31	)		16			(87	)		(15	)		(176	)		132			(146	)

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			2			—			—			2			2			2			2			1			7
Interest credited		40			39			79			89			247			121			125			130			156			532
Acquisition and operating expenses, net of deferrals		17			9			15			11			52			44			(4	)		15			8			63
Amortization of deferred acquisition costs and intangibles		4			5			3			5			17			5			5			2			3			15
Goodwill impairment		—			—			—			—			—			—			12			—			—			12
Interest expense		59			58			66			62			245			69			68			63			58			258

Total benefits and expenses		120			113			163			167			563			241			208			212			226			887

LOSS BEFORE INCOME TAXES		(86	)		(141	)		(122	)		(198	)		(547	)		(328	)		(223	)		(388	)		(94	)		(1,033	)
Benefit from income taxes		(8	)		(67	)		(17	)		(102	)		(194	)		(128	)		(125	)		(98	)		(15	)		(366	)

NET LOSS		(78	)		(74	)		(105	)		(96	)		(353	)		(200	)		(98	)		(290	)		(79	)		(667	)

ADJUSTMENTS TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		16			41			38			106			201			178			157			219			48			602
Expenses related to reorganization, net of taxes		—			—			—			—			—			4			—			—			—			4

NET OPERATING INCOME (LOSS)	$	(62	)	$	(33	)	$	(67	)	$	10		$	(152	)	$	(18	)	$	59		$	(71	)	$	(31	)	$	(61	)


Effective tax rate (operating income (loss))		2.8	%		57.4	%		-6.8	%		128.5	%		36.4	%		63.9	%		-307.6	%		-46.2	%		-38.9	%		39.7	%

Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements:
Account value, beginning of period	$	5,053		$	5,555		$	6,677		$	8,104		$	8,104		$	9,253		$	10,773		$	10,655		$	10,982		$	10,982
Deposits⁽⁴⁾		—			—			—			—			—			243			558			1,128			251			2,180
Surrenders and benefits⁽⁴⁾		(596	)		(553	)		(1,177	)		(1,466	)		(3,792	)		(1,491	)		(2,149	)		(1,099	)		(727	)		(5,466	)

Net flows		(596	)		(553	)		(1,177	)		(1,466	)		(3,792	)		(1,248	)		(1,591	)		29			(476	)		(3,286	)
Interest credited		45			47			52			61			205			89			94			96			117			396
Foreign currency translation		—			4			3			(22	)		(15	)		10			(23	)		(7	)		32			12

Account value, end of period	$	4,502		$	5,053		$	5,555		$	6,677		$	4,502		$	8,104		$	9,253		$	10,773		$	10,655		$	8,104

⁽¹⁾

⁽²⁾	Includes inter-segment eliminations and non-strategic products.

⁽³⁾

In the first quarter of 2009, the company began reporting the results of the equity access business in the long-term care business included in the Retirement and Protection segment. The equity access business was previously reported in Corporate and Other activities. The amounts associated with this business were not material and the prior period amounts have not been re-presented.

⁽⁴⁾

“Surrenders and benefits” include contracts that have matured but are redeposited with the company and reflected as deposits. There were no contracts that matured and were redeposited in 2009. For the twelve months ended December 31, 2008, contracts that matured and were redeposited and reflected under “deposits” totaled $295 million. The company has also included in “surrenders and benefits” the early retirement of institutional contracts at a discount to contract values.

Additional Financial Data

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Investments Summary

(amounts in millions)


			December 31, 2009				September 30, 2009				June 30, 2009				March 31, 2009				December 31, 2008
			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			$	27,137	40	%	$	26,018	38	%	$	23,107	35	%	$	20,951	32	%	$	22,189	33	%
Private fixed maturity securities				9,231	14			8,622	12			8,235	12			7,706	12			7,782	11
Residential mortgage-backed securities⁽¹⁾				2,595	4			1,947	3			2,179	4			2,228	4			2,741	4
Commercial mortgage-backed securities				3,433	5			3,715	5			3,538	5			3,605	5			3,713	6
Other asset-backed securities				2,205	3			1,814	3			1,909	3			1,885	3			2,080	3
Tax exempt				1,521	2			2,177	3			2,388	4			2,463	4			2,370	4
Non-investment grade fixed maturity securities				3,630	5			3,453	5			2,966	5			2,481	4			1,996	3
Equity securities:
Common stocks and mutual funds				94	—			105	—			113	—			107	—			100	—
Preferred stocks				65	—			59	—			139	1			114	—			134	—
Commercial mortgage loans				7,499	11			7,704	11			7,872	12			8,023	12			8,262	12
Policy loans				1,403	2			1,408	2			2,087	3			1,842	3			1,834	3
Cash, cash equivalents and short-term investments				6,592	10			8,177	12			6,845	10			8,163	13			8,447	12
Securities lending				853	1			899	1			958	2			1,069	2			1,469	2
Other invested assets:	Limited partnerships⁽²⁾			430	1			583	1			610	1			658	1			715	1
	Derivatives:
	LTC forward starting swap—cash flow			73	—			281	1			188	1			354	1			501	1
	Other cash flow			101	—			123	—			76	—			68	—			120	—
	Fair value			156	—			180	—			170	—			231	—			277	—
	Equity index options— non-qualified			39	—			62	—			110	—			154	—			152	—
	LTC swaptions—non-qualified			54	—			195	—			161	—			527	1			780	1
	Other non-qualified			523	1			417	1			485	1			427	1			385	1
	Trading portfolio			174	—			180	—			163	—			156	—			169	—
	Counterparty collateral			647	1			937	2			833	1			1,248	2			1,605	3
	Other			62	—			59	—			80	—			89	—			119	—

Total invested assets and cash			$	68,517	100	%	$	69,115	100	%	$	65,212	100	%	$	64,549	100	%	$	67,940	100	%

Public Fixed Maturity Securities—Credit Quality:
NAIC rating		Rating Agency Designation

1		AAA	$	12,516	34	%	$	10,880	30	%	$	9,188	28	%	$	8,934	29	%	$	9,651	30	%
1		AA		4,632	12			4,869	14			5,105	15			4,417	15			4,542	14
1		A		10,634	29			10,883	30			10,261	31			9,618	31			10,653	33
2		BBB		7,247	19			7,265	20			6,798	20			6,218	20			6,111	19
3		BB		1,339	4			1,264	4			1,278	4			971	3			844	3
4		B		414	1			522	1			447	1			399	1			381	1
5		CCC and lower		361	1			402	1			205	1			187	1			101	—
6		In or near default		15	—			7	—			2	—			3	—			1	—
Not rated		Not rated		—	—			27	—			—	—			17	—			13	—

		Total public fixed maturity securities	$	37,158	100	%	$	36,119	100	%	$	33,284	100	%	$	30,764	100	%	$	32,297	100	%

Private Fixed Maturity Securities—Credit Quality:
NAIC rating		Rating Agency Designation

1		AAA	$	1,271	10	%	$	1,196	10	%	$	1,334	12	%	$	1,389	13	%	$	1,458	14	%
1		AA		1,021	8			1,041	9			986	9			959	9			1,065	10
1		A		3,815	30			3,540	31			3,244	30			3,233	31			3,268	31
2		BBB		4,986	40			4,619	39			4,440	40			4,070	38			4,127	39
3		BB		1,247	10			905	8			801	7			775	8			596	6
4		B		156	1			212	2			128	1			102	1			54	—
5		CCC and lower		95	1			91	1			53	1			14	—			4	—
6		In or near default		3	—			23	—			52	—			13	—			1	—
Not rated		Not rated		—	—			—	—			—	—			—	—			1	—

		Total private fixed maturity securities	$	12,594	100	%	$	11,627	100	%	$	11,038	100	%	$	10,555	100	%	$	10,574	100	%


⁽¹⁾ The company does not have any material exposure to residential mortgage-backed securities collateralized debt obligations (CDOs).
⁽²⁾ Limited partnerships by type:
Distressed bond and equity fund			$	24			$	86			$	90			$	109			$	132
Real estate				201				213				236				258				294
Infrastructure				109				144				147				152				149
Private equity				53				75				77				78				75
Mezzanine				9				37				37				37				41
Strategic equity				14				7				7				8				8
Strategic funds				—				7				7				7				7
Oil and gas				20				14				9				9				9

Total limited partnerships			$	430			$	583			$	610			$	658			$	715

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Fixed Maturity Securities Summary

(amounts in millions)


	December 31, 2009				September 30, 2009				June 30, 2009				March 31, 2009				December 31, 2008
	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	$	2,602	5	%	$	2,166	5	%	$	1,249	3	%	$	994	2	%	$	905	2	%
Tax exempt		1,544	3			2,201	5			2,406	5			2,464	6			2,371	6
Foreign government		2,384	5			2,254	5			1,854	4			1,672	4			1,760	4
U.S. corporate		21,412	43			20,752	43			19,691	44			18,142	44			19,074	45
Foreign corporate		12,551	25			12,049	25			10,874	25			9,814	24			9,976	23
Residential mortgage-backed securities		3,227	7			2,584	5			2,644	6			2,619	6			2,937	6
Commercial mortgage-backed securities		3,617	7			3,886	8			3,632	9			3,685	9			3,758	9
Other asset-backed securities		2,415	5			1,854	4			1,972	4			1,929	5			2,090	5

Total fixed maturity securities	$	49,752	100	%	$	47,746	100	%	$	44,322	100	%	$	41,319	100	%	$	42,871	100	%

Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,917	28	%	$	8,754	29	%	$	8,496	30	%	$	7,676	29	%	$	8,773	32	%
Utilities and energy		7,064	22			6,896	23			6,360	22			5,831	22			5,741	21
Consumer—non-cyclical		3,622	12			3,660	12			3,422	12			3,334	13			3,243	12
Consumer—cyclical		1,456	5			1,487	5			1,461	5			1,496	6			1,317	5
Capital goods		1,997	6			1,778	6			1,655	6			1,621	6			1,837	6
Industrial		1,372	4			1,340	4			1,244	4			1,160	4			1,277	4
Technology and communications		1,876	6			1,818	6			1,592	6			1,501	6			1,584	6
Transportation		1,129	4			1,253	4			1,201	4			1,109	4			1,111	4
Other		4,232	13			3,517	11			3,070	11			2,507	10			2,686	10

Subtotal	$	31,665	100	%	$	30,503	100	%	$	28,501	100	%	$	26,235	100	%	$	27,569	100	%

Non-Investment Grade:
Finance and insurance	$	549	24		$	578	25		$	501	24		$	334	19	%	$	183	12	%
Utilities and energy		236	10			241	10			222	11			202	12			159	11
Consumer—non-cyclical		340	15			286	12			255	12			275	16			232	16
Consumer—cyclical		181	8			183	8			151	7			112	7			179	12
Capital goods		351	15			360	16			363	18			321	19			198	13
Industrial		347	15			361	16			290	14			238	14			272	18
Technology and communications		167	7			183	8			180	9			163	9			186	13
Transportation		60	3			64	3			62	3			59	3			57	4
Other		67	3			42	2			40	2			17	1			15	1

Subtotal	$	2,298	100	%	$	2,298	100	%	$	2,064	100	%	$	1,721	100	%	$	1,481	100	%

Total	$	33,963	100	%	$	32,801	100	%	$	30,565	100	%	$	27,956	100	%	$	29,050	100	%

Fixed Maturity Securities—Contractual Maturity Dates:
Due in one year or less	$	2,217	4	%	$	1,897	4	%	$	1,764	4	%	$	1,677	4	%	$	1,715	4	%
Due after one year through five years		12,400	25			12,247	26			11,429	26			10,048	24			10,091	24
Due after five years through ten years		7,950	16			7,862	16			7,334	17			7,081	17			7,241	17
Due after ten years		17,926	36			17,416	37			15,547	35			14,280	35			15,039	35

Subtotal		40,493	81			39,422	83			36,074	82			33,086	80			34,086	80
Mortgage and asset-backed		9,259	19			8,324	17			8,248	18			8,233	20			8,785	20

Total fixed maturity securities	$	49,752	100	%	$	47,746	100	%	$	44,322	100	%	$	41,319	100	%	$	42,871	100	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Additional Information on Mortgage-backed and Asset-backed Securities by Vintage as of December 31, 2009⁽¹⁾

(amounts in millions)

Mortgage-backed and Asset-backed Securities Collateralized by Sub-prime Residential Mortgage Loans:



	Fair Value														Net Unrealized Losses
S&P Equivalent Rating	2004 and Prior		2005		2006		2007		2008		2009		Total		2004 and Prior			2005			2006			2007			2008		2009		Total
AAA	$	42	$	12	$	—	$	—	$	—	$	—	$	54	$	(5	)	$	(2	)	$	—		$	—		$	—	$	—	$	(7	)
AA		23		20		1		19		—		—		63		(10	)		(19	)		—			(10	)		—		—		(39	)
A		17		47		4		—		—		—		68		(11	)		(38	)		(1	)		—			—		—		(50	)
BBB		11		6		1		—		—		—		18		(9	)		(12	)		(2	)		—			—		—		(23	)
BB		8		13		27		—		—		—		48		(7	)		(18	)		(24	)		—			—		—		(49	)
B		6		24		25		—		—		—		55		(7	)		(14	)		(27	)		(2	)		—		—		(50	)
CCC and lower		24		16		62		14		—		—		116		(16	)		(57	)		(65	)		(17	)		—		—		(155	)

Total	$	131	$	138	$	120	$	33	$	—	$	—	$	422	$	(65	)	$	(160	)	$	(119	)	$	(29	)	$	—	$	—	$	(373	)

The sub-prime securities are principally backed by first lien mortgages. The company does not have a significant exposure to second liens or option adjustable rate mortgages. The company does not have any material exposure to mezzanine CDOs. The company does not have any exposure to net interest margin deals, highly leveraged transactions or CDO-squared investments.

Mortgage-backed and Asset-backed Securities Collateralized by Alt-A Residential Mortgage Loans:


	Fair Value														Net Unrealized Losses
S&P Equivalent Rating	2004 and Prior		2005		2006		2007		2008		2009		Total		2004 and Prior			2005			2006			2007			2008		2009		Total
AAA	$	43	$	—	$	1	$	—	$	—	$	—	$	44	$	(10	)	$	—		$	—		$	—		$	—	$	—	$	(10	)
AA		9		26		1		—		—		—		36		(2	)		(7	)		(2	)		—			—		—		(11	)
A		17		23		1		8		—		—		49		(2	)		(9	)		(3	)		(1	)		—		—		(15	)
BBB		26		1		3		—		—		—		30		(17	)		(8	)		(11	)		—			—		—		(36	)
BB		2		25		—		4		—		—		31		(5	)		(27	)		—			(3	)		—		—		(35	)
B		2		19		32		6		—		—		59		(8	)		(21	)		(27	)		(6	)		—		—		(62	)
CCC and lower		5		55		36		24		—		—		120		(34	)		(41	)		(14	)		(26	)		—		—		(115	)

Total	$	104	$	149	$	74	$	42	$	—	$	—	$	369	$	(78	)	$	(113	)	$	(57	)	$	(36	)	$	—	$	—	$	(284	)

Commercial Mortgage-backed Securities⁽²⁾:


	Fair Value														Net Unrealized Losses
S&P Equivalent Rating	2004 and Prior		2005		2006		2007		2008		2009		Total		2004 and Prior			2005			2006			2007			2008		2009		Total
AAA	$	1,943	$	338	$	336	$	120	$	—	$	20	$	2,757	$	1		$	(19	)	$	(41	)	$	(13	)	$	—	$	—	$	(72	)
AA		52		63		85		127		—		—		327		(28	)		(24	)		(79	)		(50	)		—		—		(181	)
A		69		36		54		54		—		—		213		(46	)		(40	)		(48	)		(69	)		—		—		(203	)
BBB		50		12		41		33		—		—		136		(28	)		(19	)		(33	)		(45	)		—		—		(125	)
BB		30		6		33		52		—		—		121		(26	)		(7	)		(47	)		(45	)		—		—		(125	)
B		17		—		10		11		—		—		38		(12	)		—			(21	)		(19	)		—		—		(52	)
CCC and lower		10		4		11		—		—		—		25		(2	)		(15	)		(12	)		—			—		—		(29	)

Total	$	2,171	$	459	$	570	$	397	$	—	$	20	$	3,617	$	(141	)	$	(124	)	$	(281	)	$	(241	)	$	—	$	—	$	(787	)

⁽¹⁾	Based on current ratings.

⁽²⁾

As of December 31, 2009, 41.0% of the commercial mortgage-backed securities related to loans with fixed interest rates and 59.0% related to loans with floating interest rates. The average original loan-to-value ratio for commercial mortgage-backed securities included in the fixed maturity securities portfolio was 62.0%.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Commercial Mortgage Loans Summary

(amounts in millions)


	December 31, 2009					September 30, 2009					June 30, 2009					March 31, 2009					December 31, 2008
	Carrying Amount			% of Total		Carrying Amount			% of Total		Carrying Amount			% of Total		Carrying Amount			% of Total		Carrying Amount			% of Total
Geographic Region
Pacific	$	2,005		27	%	$	2,025		26	%	$	2,065		26	%	$	2,093		26	%	$	2,137		26	%
South Atlantic		1,711		23			1,834		24			1,864		24			1,901		24			1,958		24
Middle Atlantic		1,005		13			1,016		13			1,040		13			1,049		13			1,083		13
East North Central		728		10			742		10			766		10			779		10			791		10
Mountain		650		9			658		9			684		9			697		9			746		9
West South Central		331		4			337		4			343		4			348		4			357		4
West North Central		389		5			396		5			400		5			411		5			434		5
East South Central		230		3			237		3			241		3			247		3			252		3
New England		492		6			493		6			495		6			520		6			520		6

Subtotal		7,541		100	%		7,738		100	%		7,898		100	%		8,045		100	%		8,278		100	%

Allowance for losses		(48	)				(41	)				(33	)				(29	)				(23	)
Unamortized fees and costs		6					7					7					7					7

Total	$	7,499				$	7,704				$	7,872				$	8,023				$	8,262

Property Type
Office	$	2,025		27	%	$	2,052		27	%	$	2,097		26	%	$	2,125		26	%	$	2,182		26	%
Industrial		1,979		26			2,008		26			2,047		26			2,099		26			2,143		26
Retail		2,115		28			2,246		29			2,286		29			2,320		29			2,393		29
Apartments		832		11			847		11			855		11			881		11			902		11
Mixed use/other		590		8			585		7			613		8			620		8			658		8

Subtotal		7,541		100	%		7,738		100	%		7,898		100	%		8,045		100	%		8,278		100	%

Allowance for losses		(48	)				(41	)				(33	)				(29	)				(23	)
Unamortized fees and costs		6					7					7					7					7

Total	$	7,499				$	7,704				$	7,872				$	8,023				$	8,262

Allowance for Losses on Commercial Mortgage Loans
Beginning balance	$	41				$	33				$	29				$	23				$	21
Provisions		7					8					4					6					2
Releases		—					—					—					—					—

Ending balance	$	48				$	41				$	33				$	29				$	23

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Commercial Mortgage Loans Summary

(amounts in millions)


Loan Size	December 31, 2009					September 30, 2009				June 30, 2009				March 31, 2009				December 31, 2008
Loan Size	Principal Balance			% of Total		Principal Balance		% of Total		Principal Balance		% of Total		Principal Balance		% of Total		Principal Balance		% of Total
Under $5 million	$	3,146		42	%	$	3,170	41	%	$	3,265	41	%	$	3,314	41	%	$	3,399	41	%
$5 million but less than $10 million		1,711		23			1,754	23			1,783	23			1,853	23			1,946	24
$10 million but less than $20 million		1,418		19			1,449	19			1,460	19			1,481	19			1,513	18
$20 million but less than $30 million		312		4			314	4			335	4			337	4			358	4
$30 million and over		955		12			1,046	13			1,047	13			1,049	13			1,050	13

Subtotal		7,542		100	%		7,733	100	%		7,890	100	%		8,034	100	%		8,266	100	%

Net premium/discount		(1	)				5				8				11				12

Total	$	7,541				$	7,738			$	7,898			$	8,045			$	8,278

Commercial Mortgage Loan Information by Vintage

(loan amounts in millions)

December 31, 2009


Loan Year	Total Loan Balance		Delinquent Loan Balance		Number of Loans	Number of Delinquent Loans	Average Balance Per Loan		Average Balance Per Delinquent Loan		Average Loan-To-Value⁽¹⁾
2004 and prior	$	2,644	$	5	1,039	2	$	3	$	3	49	%
2005		1,607		—	320	—	$	5	$	—	63	%
2006		1,521		9	290	2	$	5	$	4	70	%
2007		1,458		73	203	2	$	7	$	37	80	%
2008		295		—	61	—	$	5	$	—	77	%
2009⁽²⁾		16		—	518	—	$	—	$	—	—	%

Total	$	7,541	$	87	2,431	6	$	3	$	15	63	%

⁽¹⁾	Represents loan-to-value at origination.

⁽²⁾	Loan balance represents reverse mortgage originations not sold as of December 31, 2009 and number of loans represents total reverse mortgage loan originations for 2009.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

General Account GAAP Net Investment Income Yields

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	621		$	610		$	604		$	623		$	2,458		$	684		$	715		$	715		$	764		$	2,878
Fixed maturity securities—non-taxable		22			27			28			30			107			29			29			26			25			109
Commercial mortgage loans		103			106			109			114			432			121			123			136			143			523
Equity securities		4			6			3			3			16			4			5			10			10			29
Other invested assets		20			24			26			8			78			8			20			22			18			68
Limited partnerships⁽¹⁾		—			(20	)		(33	)		(107	)		(160	)		(35	)		(31	)		(10	)		6			(70	)
Policy loans		28			19			52			44			143			40			43			40			39			162
Cash, cash equivalents and short-term investments		9			9			14			17			49			30			36			41			25			132

Gross investment income before expenses and fees		807			781			803			732			3,123			881			940			980			1,030			3,831
Expenses and fees		(25	)		(22	)		(22	)		(21	)		(90	)		(24	)		(22	)		(27	)		(28	)		(101	)

Net investment income	$	782		$	759		$	781		$	711		$	3,033		$	857		$	918		$	953		$	1,002		$	3,730

Annualized Yields
Fixed maturity securities—taxable		5.1	%		5.2	%		5.2	%		5.4	%		5.2	%		5.6	%		5.5	%		5.4	%		5.7	%		5.6	%
Fixed maturity securities—non-taxable		4.6	%		4.6	%		4.6	%		4.6	%		4.7	%		4.5	%		4.7	%		4.5	%		4.6	%		4.6	%
Commercial mortgage loans		5.4	%		5.5	%		5.5	%		5.6	%		5.5	%		5.8	%		5.8	%		6.2	%		6.4	%		6.1	%
Equity securities		9.5	%		12.8	%		3.6	%		4.6	%		7.0	%		4.9	%		5.0	%		10.3	%		11.2	%		8.2	%
Other invested assets		7.1	%		7.7	%		7.6	%		1.8	%		5.5	%		2.2	%		10.9	%		11.7	%		10.9	%		7.1	%
Limited partnerships⁽¹⁾		-0.1	%		-13.4	%		-21.3	%		-62.1	%		-26.8	%		-19.5	%		-17.7	%		-5.9	%		3.3	%		-10.3	%
Policy loans		8.1	%		4.4	%		10.5	%		9.6	%		8.4	%		9.0	%		9.4	%		9.2	%		9.4	%		9.2	%
Cash, cash equivalents and short-term investments		0.5	%		0.5	%		0.7	%		0.8	%		0.6	%		1.7	%		2.6	%		3.3	%		2.9	%		2.5	%

Gross investment income before expenses and fees		4.7	%		4.5	%		4.7	%		4.2	%		4.5	%		4.9	%		5.2	%		5.4	%		5.8	%		5.3	%
Expenses and fees		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.2	%		-0.1	%

Net investment income		4.6	%		4.4	%		4.6	%		4.1	%		4.4	%		4.8	%		5.1	%		5.3	%		5.6	%		5.2	%

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

⁽¹⁾	Limited partnership investments are equity-based and do not have fixed returns by period.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	(7	)	$	(13	)	$	(9	)	$	(28	)	$	(57	)	$	(5	)	$	(78	)	$	(6	)	$	(1	)	$	(90	)
U.S. government, agencies and government-sponsored enterprises		11			—			—			—			11			—			5			6			—			11
Foreign corporate		8			10			(1	)		(1	)		16			(3	)		(4	)		8			—			1
Foreign government		2			1			1			2			6			9			7			7			2			25
Tax exempt		20			26			—			1			47			—			—			3			—			3
Mortgage-backed securities		(3	)		4			(2	)		4			3			(6	)		2			—			—			(4	)
Asset-backed securities		—			(4	)		(8	)		—			(12	)		(4	)		—			(1	)		—			(5	)
Equity securities		2			1			1			—			4			(1	)		(18	)		—			1			(18	)
Foreign exchange		(2	)		3			—			—			1			1			—			—			—			1

Total net realized gains (losses) on available-for-sale securities		31			28			(18	)		(22	)		19			(9	)		(86	)		17			2			(76	)

Impairments:
Sub-prime residential mortgage-backed securities:
AA		(2	)		(1	)		—			(11	)		(14	)		(3	)		—			—			(2	)		(5	)
A		(1	)		—			—			(1	)		(2	)		(2	)		(3	)		(8	)		(3	)		(16	)
BBB		(1	)		(2	)		(3	)		(3	)		(9	)		(18	)		(2	)		(4	)		(8	)		(32	)
Below BBB		(25	)		(25	)		(23	)		(33	)		(106	)		(99	)		(44	)		(40	)		(15	)		(198	)
Alt-A residential mortgage-backed securities:
AAA		—			—			—			—			—			—			(5	)		—			—			(5	)
AA		—			—			(6	)		(6	)		(12	)		(16	)		(5	)		(4	)		—			(25	)
A		—			—			(1	)		(18	)		(19	)		(27	)		(7	)		(16	)		(20	)		(70	)
BBB		—			—			—			(1	)		(1	)		(16	)		(12	)		(5	)		(10	)		(43	)
Below BBB		(18	)		(19	)		(11	)		(58	)		(106	)		(38	)		(26	)		(35	)		(17	)		(116	)

Total sub-prime and Alt-A residential mortgage-backed securities		(47	)		(47	)		(44	)		(131	)		(269	)		(219	)		(104	)		(112	)		(75	)		(510	)

Prime residential mortgage-backed securities:
AA		—			—			—			(12	)		(12	)		—			—			—			—			—
A		—			—			(1	)		(8	)		(9	)		(32	)		(2	)		(5	)		(5	)		(44	)
BBB		—			—			—			(3	)		(3	)		(13	)		(1	)		(3	)		(1	)		(18	)
Below BBB		(10	)		(13	)		(18	)		(1	)		(42	)		(26	)		(4	)		—			—			(30	)
Change in intent:
Alt-A		—			—			—			—			—			—			(30	)		(55	)		—			(85	)
Sub-prime		—			—			—			—			—			—			(19	)		(159	)		—			(178	)
Prime		—			—			—			—			—			—			(4	)		(1	)		—			(5	)
Automobile		—			—			—			—			—			—			(2	)		—			—			(2	)
Other mortgage-backed securities		—			—			—			—			—			(1	)		—			—			(1	)		(2	)
Other asset-backed securities		—			—			(2	)		(9	)		(11	)		(2	)		(2	)		—			—			(4	)
Commercial mortgage-backed securities (CMBS):
A		(1	)		—			—			(9	)		(10	)		—			—			—			(3	)		(3	)
BBB		—			(2	)		—			—			(2	)		(1	)		(2	)		—			(1	)		(4	)
Below BBB		(1	)		(1	)		(6	)		(10	)		(18	)		(4	)		(4	)		(1	)		(3	)		(12	)
Corporate fixed maturity securities		(6	)		(15	)		(1	)		(37	)		(59	)		(206	)		(131	)		(20	)		(32	)		(389	)
Financial hybrid securities		(4	)		(47	)		(4	)		(155	)		(210	)		—			(14	)		—			—			(14	)
Retained interest on securitized assets		—			—			(23	)		—			(23	)		—			—			—			—			—
Foreign government fixed maturity securities		—			—			—			—			—			(13	)		—			—			—			(13	)
Limited partnerships		—			—			—			—			—			—			(1	)		—			—			(1	)
Equity securities		—			—			—			(13	)		(13	)		(11	)		(56	)		(3	)		—			(70	)
Commercial mortgage loans		(5	)		(2	)		—			—			(7	)		(1	)		—			—			—			(1	)

Total impairments		(74	)		(127	)		(99	)		(388	)		(688	)		(529	)		(376	)		(359	)		(121	)		(1,385	)

Net unrealized gains (losses) on trading securities		5			10			7			(8	)		14			(18	)		(6	)		1			(5	)		(28	)
Derivative instruments		6			12			75			(79	)		14			473			(60	)		6			(22	)		397
Bank loans		—			4			4			—			8			(13	)		(3	)		—			(2	)		(18	)
Limited partnerships		(26	)		—			—			—			(26	)		—			—			—			—			—
Commercial mortgage loans held-for-sale market valuation allowance		(5	)		(6	)		(3	)		(4	)		(18	)		(1	)		—			(1	)		1			(1	)

Net investment gains (losses), net of taxes		(63	)		(79	)		(34	)		(501	)		(677	)		(97	)		(531	)		(336	)		(147	)		(1,111	)
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes		10			18			(25	)		18			21			8			53			15			19			95
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes		(1	)		(1	)		—			—			(2	)		—			—			—			—			—

Net investment gains (losses), net of taxes and other adjustments, available to Genworth Financial, Inc.’s common stockholders	$	(54	)	$	(62	)	$	(59	)	$	(483	)	$	(658	)	$	(89	)	$	(478	)	$	(321	)	$	(128	)	$	(1,016	)

Reconciliations of Non-GAAP Measures

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Reconciliation of Operating ROE

(amounts in millions)


	Twelve months ended
Twelve Month Rolling Average ROE	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended⁽¹⁾	$	(460	)	$	(821	)	$	(1,098	)	$	(1,157	)	$	(572	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	12,038		$	12,013		$	12,057		$	12,242		$	12,486
GAAP Basis ROE ⁽¹⁾ divided by ⁽²⁾		-3.8	%		-6.8	%		-9.1	%		-9.5	%		-4.6	%

Operating ROE
Net operating income (loss) for the twelve months ended⁽¹⁾	$	198		$	(103	)	$	36		$	239		$	469
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	12,038		$	12,013		$	12,057		$	12,242		$	12,486
Operating ROE ⁽¹⁾divided by ⁽²⁾		1.6	%		-0.9	%		0.3	%		2.0	%		3.8	%

	Three months ended
Quarterly Average ROE	December 31, 2009			September 30, 2009			June 30, 2009			March 31, 2009			December 31, 2008
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended⁽³⁾	$	40		$	19		$	(50	)	$	(469	)	$	(321	)
Average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	12,417		$	12,117		$	11,683		$	11,758		$	12,153
Annualized GAAP Quarterly Basis ROE ⁽³⁾ divided by ⁽⁴⁾		1.3	%		0.6	%		-1.7	%		-16.0	%		-10.6	%

Operating ROE
Net operating income (loss) for the period ended⁽³⁾	$	94		$	81		$	9		$	14		$	(207	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	12,417		$	12,117		$	11,683		$	11,758		$	12,153
Annualized Operating Quarterly Basis ROE ⁽³⁾ divided by ⁽⁴⁾		3.0	%		2.7	%		0.3	%		0.5	%		-6.8	%

Non-GAAP Definition for Operating ROE

The company references the non-GAAP financial measure entitled “operating return on equity” or “operating ROE.” The company defines operating ROE as net operating income (loss) divided by average ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) in average ending Genworth Financial, Inc.’s stockholders’ equity. Management believes that analysis of operating ROE enhances understanding of the efficiency with which the company deploys its capital. However, operating ROE as defined by the company should not be viewed as a substitute for GAAP net income (loss) available to Genworth Financial, Inc.’s common stockholders divided by average ending Genworth Financial, Inc.’s stockholders’ equity.

⁽¹⁾	The twelve months ended information is derived by adding the four quarters of net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 10 herein.

⁽²⁾	Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss), is derived by averaging ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) for the most recent five quarters.

⁽³⁾	Net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 8 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).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Reconciliation of Expense Ratio

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Basis Expense Ratio
Acquisition and operating expenses, net of deferrals ⁽¹⁾	$	503		$	484		$	456		$	441		$	1,884		$	566		$	515		$	551		$	528		$	2,160
Total revenues ⁽²⁾	$	2,461		$	2,391		$	2,483		$	1,734		$	9,069		$	2,629		$	2,168		$	2,398		$	2,753		$	9,948

Expense ratio ⁽¹⁾divided by ⁽²⁾		20.4	%		20.2	%		18.4	%		25.4	%		20.8	%		21.5	%		23.8	%		23.0	%		19.2	%		21.7	%

GAAP Basis, As Adjusted—Expense Ratio
Acquisition and operating expenses, net of deferrals	$	503		$	484		$	456		$	441		$	1,884		$	566		$	515		$	551		$	528		$	2,160
Less wealth management business		64			58			55			52			229			59			67			67			67			260
Less lifestyle protection insurance business^(a)		163			169			160			153			645			191			200			216			200			807
Less expenses related to reorganization^(b)		—			—			—			—			—			31			—			—			—			31

Adjusted acquisition and operating expenses, net of deferrals ⁽³⁾	$	276		$	257		$	241		$	236		$	1,010		$	285		$	248		$	268		$	261		$	1,062

Total revenues	$	2,461		$	2,391		$	2,483		$	1,734		$	9,069		$	2,629		$	2,168		$	2,398		$	2,753		$	9,948
Less wealth management business		77			71			67			63			278			71			86			86			87			330
Less lifestyle protection insurance business		326			336			334			305			1,301			338			370			431			418			1,557
Less net investment gains (losses)		(96	)		(118	)		(53	)		(756	)		(1,023	)		(143	)		(789	)		(518	)		(226	)		(1,676	)

Adjusted total revenues ⁽⁴⁾	$	2,154		$	2,102		$	2,135		$	2,122		$	8,513		$	2,363		$	2,501		$	2,399		$	2,474		$	9,737

Adjusted expense ratio ⁽³⁾ divided by ⁽⁴⁾		12.8	%		12.2	%		11.3	%		11.1	%		11.9	%		12.1	%		9.9	%		11.2	%		10.5	%		10.9	%

Non-GAAP Definition for Expense Ratio

The company references the non-GAAP financial measure entitled “expense ratio” as a measure of productivity. The company defines expense ratio as acquisition and operating expenses, net of deferrals, divided by total revenues, excluding the effects of the company’s wealth management and lifestyle protection insurance businesses. The wealth management and lifestyle protection insurance businesses are excluded from this ratio as their expense bases are comprised of varying levels of non-deferrable acquisition costs. Management believes that the expense ratio analysis enhances understanding of the productivity of the company. However, the expense ratio as defined by the company should not be viewed as a substitute for GAAP acquisition and operating expenses, net of deferrals, divided by total revenues.

^(a)	Includes severance and other employee related expenses of $7 million associated with the reorganization announced in the fourth quarter of 2008.

^(b)	Includes severance and other employee related expenses associated with the reorganization announced in the fourth quarter of 2008.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Reconciliation of Core Premiums

(amounts in millions)


	2009															2008
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Reported premiums	$	1,523		$	1,492		$	1,502		$	1,502		$	6,019		$	1,616		$	1,735		$	1,709		$	1,717		$	6,777
Less retirement income—spread-based premiums		39			30			38			47			154			105			181			111			167			564
Less impact of changes in foreign exchange rates		73			(42	)		(92	)		(120	)		(181	)		(103	)		16			60			65			38

Core premiums	$	1,411		$	1,504		$	1,556		$	1,575		$	6,046		$	1,614		$	1,538		$	1,538		$	1,485		$	6,175

Reported premium percentage change from prior year		-5.8	%		-14.0	%		-12.1	%		-12.5	%		-11.2	%		-3.2	%		8.4	%		10.3	%		13.6	%		7.1	%
Core premium percentage change from prior year		-12.6	%		-2.2	%		1.2	%		6.1	%		-2.1	%		5.1	%		3.8	%		10.0	%		9.4	%		7.0	%

Non-GAAP Definition for Core Premiums

The company references the non-GAAP financial measure entitled “core premiums” as a measure of premium growth. The company defines core premiums as earned premiums less premiums from the retirement income—spread-based business and the impact of changes in foreign exchange rates. The retirement income—spread-based premiums are excluded in this measure primarily because these are single premiums and are not an indication of future premiums. The impact of changes in foreign exchange rates are excluded in this measure to present periods on a comparable exchange rate. Management believes that analysis of core premiums enhances understanding of premium growth of the company. However, core premiums as defined by the company should not be viewed as a substitute for GAAP earned premiums.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Reconciliation of Core Yield


		2009															2008
	(Assets—amounts in billions)	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	68.5		$	69.1		$	65.2		$	64.5		$	68.5		$	67.9		$	69.3		$	73.1		$	73.3		$	67.9
	Subtract:
	Securities lending		0.9			0.9			1.0			1.1			0.9			1.5			1.7			1.8			2.4			1.5
	Unrealized gains (losses)		(1.3	)		(2.0	)		(4.4	)		(7.0	)		(1.3	)		(6.3	)		(4.4	)		(2.3	)		(1.6	)		(6.3	)
	Derivative counterparty collateral		0.6			0.9			0.8			1.2			0.6			1.6			0.6			0.5			0.7			1.6

	Adjusted end of period invested assets	$	68.3		$	69.3		$	67.8		$	69.2		$	68.3		$	71.1		$	71.4		$	73.1		$	71.8		$	71.1

(A)	Average Invested Assets Used in Reported and Core Yield Calculation	$	68.8		$	68.6		$	68.5		$	70.2		$	69.1		$	71.3		$	72.3		$	72.5		$	71.6		$	71.8
	Subtract: portfolios supporting floating products and non-recourse funding obligations⁽¹⁾		9.7			10.2			10.7			11.6			10.6			12.6			13.6			14.1			14.1			13.5

(B)	Average Invested Assets Used in Core Yield (excl. Floating and Non-Recourse) Calculation	$	59.1		$	58.4		$	57.8		$	58.6		$	58.5		$	58.7		$	58.7		$	58.4		$	57.5		$	58.3

	(Income—amounts in millions)

(C)	Reported—Net Investment Income	$	782		$	759		$	781		$	711		$	3,033		$	857		$	918		$	953		$	1,002		$	3,730
	Subtract:
	Bond calls and commercial mortgage loan prepayments		3			8			4			11			26			5			3			13			12			33
	Reinsurance⁽²⁾		15			22			26			8			71			11			16			19			15			61
	Other non-core items⁽³⁾		14			(5	)		1			4			14			(5	)		5			2			(1	)		1

(D)	Core Net Investment Income		750			734			750			688			2,922			846			894			919			976			3,635
	Subtract: investment income from portfolios supporting floating products and non-recourse funding obligations⁽¹⁾		16			22			29			23			90			87			111			121			164			483

(E)	Core Net Investment Income (excl. Floating and Non-Recourse)	$	734		$	712		$	721		$	665		$	2,832		$	759		$	783		$	798		$	812		$	3,152

(C)/(A)	Reported Yield		4.55	%		4.43	%		4.56	%		4.05	%		4.39	%		4.81	%		5.08	%		5.26	%		5.60	%		5.19	%
(D)/(A)	Core Yield		4.36	%		4.28	%		4.38	%		3.92	%		4.23	%		4.75	%		4.95	%		5.07	%		5.45	%		5.06	%
(E)/(B)	Core Yield (excl. Floating and Non-Recourse)		4.97	%		4.88	%		4.99	%		4.54	%		4.84	%		5.18	%		5.34	%		5.47	%		5.65	%		5.41	%

Notes:

Columns may not add due to rounding.

Yields have been annualized.

Non-GAAP Definition for Core Yield

The company references the non-GAAP financial measure entitled “core yield” as a measure of investment yield. The company defines core yield as the investment yield adjusted for those items that are not recurring in nature. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield as defined by the company should not be viewed as a substitute for GAAP investment yield.

⁽¹⁾	Floating products refer to institutional products and the non-recourse funding obligations support certain term and universal life insurance reserves in the company’s life insurance business.

⁽²⁾

Represents imputed investment income related to a reinsurance agreement in the lifestyle protection insurance business. Includes a $17 million reclassification adjustment in the second quarter of 2009 to interest expense related to the reinsurance arrangements accounted for under the deposit method as these arrangements were in a loss position.

⁽³⁾	Includes mark-to-mark adjustment on assets supporting executive deferred compensation and various other immaterial items.

Corporate Information

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Industry Ratings

The company’s principal life insurance subsidiaries are rated by Standard and Poor’s (S&P), Moody’s, A.M. Best and Fitch as follows:


Company	S&P	Moody’s	A.M. Best	Fitch
Genworth Life Insurance Company	A	A2	A	A-
Genworth Life Insurance Company (short-term rating)	A-1	P-1	Not rated	Not rated
Genworth Life and Annuity Insurance Company	A	A2	A	A-
Genworth Life and Annuity Insurance Company (short-term rating)	A-1	P-1	Not rated	Not rated
Genworth Life Insurance Company of New York	A	A2	A	A-
Continental Life Insurance Company of Brentwood, Tennessee	Not rated	Not rated	A-	A-
American Continental Insurance Company	Not rated	Not rated	A-	Not rated

The company’s principal mortgage insurance subsidiaries are rated by S&P and Moody’s as follows:


Company	S&P	Moody’s
Genworth Mortgage Insurance Corporation	BBB-	Baa2
Genworth Financial Mortgage Insurance Pty. Limited (Australia)	AA-	A1
Genworth Financial Mortgage Insurance Limited (Europe)	BBB	Baa3
Genworth Residential Mortgage Insurance Corporation of NC	BBB-	Baa2
Genworth Financial Mortgage Insurance Company Canada⁽¹⁾	AA-	Not rated
Genworth Seguros de Credito a la Vivienda S.A. de C.V.	mxAAA	Aa3.mx

The company’s principal lifestyle protection insurance subsidiaries are rated by S&P as follows:


Company		S&P
Financial Assurance Company Limited		A-
Financial Insurance Company Limited		A-

⁽¹⁾	Genworth Financial Mortgage Insurance Company Canada is also rated “AA” by Dominion Bond Rating Service (DBRS).

The S&P, Moody’s, A.M. Best and Fitch ratings 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.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2009

Industry Ratings (continued)

S&P states that an insurer rated “AA” (Very Strong) has very strong financial security characteristics that outweigh any vulnerabilities, and is highly likely to have the ability to meet financial commitments. An insurer rated “A” (Strong) has strong financial security characteristics and an insurer rated “BBB” (Good) has good financial security characteristics. The “AA,” “A” and “BBB” ranges are the second-, third- and fourth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing in a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “AA-,” “A,” “A-,” “BBB” and “BBB-” ratings are the fourth-, sixth-, seventh-, ninth- and tenth-highest of S&P’s 21 ratings categories. The short-term “A-1” rating is the highest rating and shows the capacity to meet financial commitments is strong. An obligor rated “mxAAA” has a very strong capacity to meet its financial commitments relative to that of other Mexican obligors. The “mxAAA” rating is the highest enterprise credit rating assigned on S&P’s CaVal national scale.

Moody’s states that insurance companies rated “A” (Good) offer good financial security and those rated “Baa” (Adequate) offer adequate financial security. The “A” (Good) and “Baa” (Adequate) ranges are the third- and fourth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the groups, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A1,” “A2,” “Baa2” and “Baa3” ratings are the fifth-, sixth-, ninth-and tenth-highest, respectively, of Moody’s 21 ratings categories. Short-term rating “P-1” is the highest rating and shows superior ability for repayment of short-term debt obligations. Issuers or issues rated “Aa.mx” demonstrate very strong creditworthiness relative to other issuers in Mexico.

A.M. Best states that its “A” (Excellent) and “A-” (Excellent) ratings are assigned to companies that have, in its opinion, an excellent ability to meet their ongoing insurance obligations. The “A” (Excellent) and “A-” (Excellent) ratings are the third- and fourth-highest of fifteen ratings assigned by A.M. Best, which range from “A++” to “F.”

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 eight 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 “CCC” category. Accordingly, the “A-” rating is the seventh-highest of Fitch’s 21 ratings categories.

DBRS states that long-term obligations rated “AA” are of superior credit quality. Given the restrictive definition DBRS has for the “AAA” category, entities rated “AA” are also considered to be strong credits, typically exemplifying above-average strength in key areas of consideration and unlikely to be significantly affected by reasonably foreseeable events.

S&P, Moody’s, A.M. Best, Fitch and DBRS review their ratings periodically and the company cannot assure you that it will maintain the current ratings in the future. Other agencies may also rate the company or its insurance subsidiaries on a solicited or an unsolicited basis.

About Genworth Financial

Genworth is a leading financial security company meeting the retirement, longevity and lifestyle protection, investment and mortgage insurance needs of more than 15 million customers, with a presence in more than 25 countries. For more information, visit www.genworth.com.

Inquiries:

Alicia Charity, 804-662-2248

Alicia.Charity@genworth.com