Financial Supplement for the quarter ended September 30, 2012

Company

Financial Assurance Company Limited

Financial Insurance Company Limited

Exhibit 99.2

LOGO

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012


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

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

*Quarterly Results*
Net Operating Income and Sales—Insurance and Wealth Management Division		17-32
Net Operating Income (Loss) and Sales—Global Mortgage Insurance Division		34-59
Net Operating Income (Loss) and Sales—Corporate and Runoff Division		61-68

*Additional Financial Data*
Investments Summary		70
Fixed Maturity Securities Summary		71
Commercial Mortgage Loans Summary		72-73
General Account GAAP Net Investment Income Yields		74
Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail		75

*Reconciliations of Non-GAAP Measures*
Reconciliation of Operating Return On Equity (ROE)		77
Reconciliation of Expense Ratio		78
Reconciliation of Core Premiums		79
Reconciliation of Core Yield		80

*Corporate Information*
Industry Ratings		82-83

Note:

Unless otherwise noted, references in this financial supplement to net income (loss), net income (loss) per share, net operating income (loss), net operating income (loss)

per share, book value and book value per common share should be read as net income (loss) available to Genworth Financial, Inc.’s common stockholders, net income

(loss) available to Genworth Financial, Inc.’s common stockholders per share, net operating income (loss) available to Genworth Financial, Inc.’s common stockholders,

net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per share, book value available to Genworth Financial, Inc.’s common

stockholders and book value available to Genworth Financial, Inc.’s common stockholders per share, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Dear Investor,

In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders. Additional information is included on page 4.

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

Please feel free to call with any questions or comments.

Regards,

Georgette Nicholas

Investor Relations

804 662.2248

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Use of Non-GAAP Measures

This financial supplement includes the non-GAAP⁽¹⁾ financial measure entitled “net operating income (loss).” The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders. The company defines net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses and infrequent or unusual non-operating items. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A component of the company’s net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments and gains (losses) on the sale of businesses are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders because, in the company’s opinion, they are not indicative of overall operating trends. Other non-operating items are also excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders if, in the company’s opinion, they are not indicative of overall operating trends.

In the third quarter of 2012, the company revised its definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders to exclude goodwill impairments to better reflect the basis on which the performance of its business is internally assessed and to reflect management’s opinion that it is not indicative of overall operating trends. The company also modified its definition to explicitly state that gains (losses) on the sale of businesses, which were previously included in the infrequent and unusual category, are excluded from net operating income (loss). All prior periods presented have been re-presented to reflect this new definition.

While some of these items may be significant components of net income (loss) available to Genworth Financial, Inc.’s common stockholders in accordance with GAAP, the company believes that net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and measures that are derived from or incorporate net operating income (loss) available to Genworth Financial, Inc.’s common stockholders, including net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses net operating income (loss) available to Genworth Financial, Inc.’s common stockholders as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders have occurred in the past and could, and in some cases will, recur in the future. Net operating income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth Financial, Inc.’s common stockholders or net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share on a basic and diluted basis determined in accordance with GAAP. In addition, the company’s definition of net operating income (loss) available to Genworth Financial, Inc.’s common stockholders may differ from the definitions used by other companies.

The table on page 10 of this financial supplement reflects net operating income (loss) as determined in accordance with accounting guidance related to segment reporting, and a reconciliation of net operating income (loss) of the company’s segments and Corporate and Other activities to net income (loss) available to Genworth Financial, Inc.’s common stockholders for the periods presented. The financial supplement includes other non-GAAP measures management believes enhances the understanding and comparability of performance by highlighting underlying business activity and profitability drivers. These additional non-GAAP measures are on pages 77 through 80 of this financial supplement.

Selected Operating Performance Measures

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

Management regularly monitors and reports sales metrics as a measure of volume of new and renewal business generated in a period. Sales refer to: (1) annualized first-year premiums for term life and long-term care insurance; (2) annualized first-year deposits plus 5% of excess deposits for universal and term universal life insurance products; (3) 10% of premium deposits for linked-benefits products; (4) new and additional premiums/deposits for fixed annuities; (5) gross flows and net flows, which represent gross flows less redemptions, for the wealth management business; (6) written premiums and deposits, gross of ceded reinsurance and cancellations, and premium equivalents, where the company earns a fee for administrative services only business, for the lifestyle protection insurance business; and (7) new insurance written for mortgage insurance. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers annualized first-year premiums, premium equivalents, new premiums/deposits, gross and net flows, written premiums and new insurance written to be a measure of the company’s operating performance because they represent a measure of new sales of insurance policies or contracts during a specified period, rather than a measure of the company’s revenues or profitability during that period.

Management regularly monitors and reports assets under management for the wealth management business, insurance in-force and risk in-force. Assets under management for the wealth management business represent third-party assets under management that are not consolidated in the company’s financial statements. Insurance in-force for the life, international mortgage and U.S. mortgage insurance businesses is a measure of the aggregate face value of outstanding insurance policies as of the respective reporting date. For the risk in-force in the international mortgage insurance business, the company has computed an “effective” risk in-force amount, which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor of 35% that represents the highest expected average per-claim payment for any one underwriting year over the life of the company’s businesses in Canada and Australia. Risk in-force for the U.S. mortgage insurance business is the obligation that is limited under contractual terms to the amounts less than 100% of the mortgage loan value. The company considers assets under management for the wealth management business, insurance in-force and risk in-force to be a measure of the company’s operating performance because they represent a measure of the size of the business at a specific date which will generate revenues and profits in a future period, rather than a measure of the company’s revenues or profitability during that period.

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

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

⁽¹⁾	U.S. Generally Accepted Accounting Principles

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Financial Highlights

(amounts in millions, except per share data)


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

Total Genworth Financial, Inc.’s stockholders’ equity	$	16,427	$	15,817	$	14,738	$	15,068	$	14,770


Book value per common share	$	33.40	$	32.17	$	29.99	$	30.69	$	30.09
Book value per common share, excluding accumulated other comprehensive income	$	22.78	$	22.71	$	22.55	$	22.45	$	22.15
Common shares outstanding as of the balance sheet date		491.8		491.6		491.5		490.9		490.9

	Twelve months ended
Twelve Month Rolling Average ROE	September 30, 2012		June 30, 2012		March 31, 2012		December 31, 2011		September 30, 2011
GAAP Basis ROE		2.7%		2.3%		0.3%		0.4%		-2.8%
Operating ROE⁽¹⁾		3.2%		2.7%		0.9%		1.4%		-1.4%

	Three months ended
Quarterly Average ROE	September 30, 2012		June 30, 2012		March 31, 2012		December 31, 2011		September 30, 2011
GAAP Basis ROE		1.2%		2.7%		1.7%		5.2%		-0.6%
Operating ROE⁽¹⁾		4.3%		2.9%		1.1%		4.5%		2.3%


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

Weighted-average shares used in diluted earnings per common share calculations		493.9		494.5

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

Third Quarter Results

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Income (Loss)

(amounts in millions)


	Three months ended September 30,						Nine months ended September 30,
	2012			2011			2012			2011
REVENUES:
Premiums	$	1,311		$	1,461		$	3,720		$	4,353
Net investment income		825			842			2,503			2,553
Net investment gains (losses)		9			(157	)		10			(225	)
Insurance and investment product fees and other		391			375			1,252			1,063

Total revenues		2,536			2,521			7,485			7,744

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,363			1,457			3,977			4,549
Interest credited		193			194			582			599
Acquisition and operating expenses, net of deferrals		504			581			1,536			1,725
Amortization of deferred acquisition costs and intangibles		162			152			582			465
Goodwill impairment		89			—			89			—
Interest expense		126			124			352			385

Total benefits and expenses		2,437			2,508			7,118			7,723

INCOME BEFORE INCOME TAXES		99			13			367			21
Provision (benefit) for income taxes		29			(7	)		108			8
Effective tax rate		29.3	%		-53.8	%		29.4	%		38.1	%

NET INCOME		70			20			259			13
Less: net income attributable to noncontrolling interests		36			36			102			106

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	34		$	(16	)	$	157		$	(93	)

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income by Segment

(amounts in millions, except per share amounts)


	Three months ended September 30,						Nine months ended September 30,
	2012			2011			2012			2011
Insurance and Wealth Management Division
U.S. Life Insurance segment:
Life Insurance	$	22		$	64		$	58		$	163
Long-Term Care		45			17			94			71
Fixed Annuities		19			21			62			60

Total U.S. Life Insurance segment		86			102			214			294
International Protection segment		8			22			16			72
Wealth Management segment		10			12			34			35

Total Insurance and Wealth Management Division		104			136			264			401

Global Mortgage Insurance Division
International Mortgage Insurance segment:
Canada		42			40			120			119
Australia		57			36			80			142
Other Countries		(5	)		(8	)		(23	)		(16	)

Total International Mortgage Insurance segment		94			68			177			245
U.S. Mortgage Insurance segment		(38	)		(79	)		(106	)		(417	)

Total Global Mortgage Insurance Division		56			(11	)		71			(172	)

Corporate and Runoff Division
Runoff segment		9			(7	)		38			12
Corporate and Other		(48	)		(56	)		(141	)		(217	)

Total Corporate and Runoff Division		(39	)		(63	)		(103	)		(205	)

NET OPERATING INCOME		121			62			232			24

ADJUSTMENTS TO NET OPERATING INCOME:
Net investment gains (losses), net of taxes and other adjustments⁽¹⁾		(1	)		(78	)		(4	)		(117	)
Goodwill impairment, net of taxes		(86	)		—			(86	)		—
Gain on sale of business, net of taxes		—			—			15			—

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		34			(16	)		157			(93	)
Add: net income attributable to noncontrolling interests		36			36			102			106

NET INCOME	$	70		$	20		$	259		$	13

Earnings (Loss) Per Share Data:

Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.07		$	(0.03	)	$	0.32		$	(0.19	)
Diluted	$	0.07		$	(0.03	)	$	0.32		$	(0.19	)

Net operating income per common share
Basic	$	0.25		$	0.13		$	0.47		$	0.05
Diluted	$	0.25		$	0.13		$	0.47		$	0.05

Weighted-average shares outstanding
Basic		491.7			490.8			491.5			490.5
Diluted		493.9			490.8			494.5			490.5

⁽¹⁾	See page 75 for details on net investment gains (losses), net of taxes and other adjustments.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)


	2012									2011
	3Q		2Q			1Q		Total		4Q		3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1,311	$	1,302		$	1,107	$	3,720	$	1,352	$	1,461		$	1,455		$	1,437		$	5,705
Net investment income		825		846			832		2,503		827		842			881			830			3,380
Net investment gains (losses)		9		(34	)		35		10		5		(157	)		(40	)		(28	)		(220	)
Insurance and investment product fees and other		391		409			452		1,252		440		375			359			329			1,503

Total revenues		2,536		2,523			2,426		7,485		2,624		2,521			2,655			2,568			10,368

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,363		1,382			1,232		3,977		1,392		1,457			1,679			1,413			5,941
Interest credited		193		194			195		582		195		194			204			201			794
Acquisition and operating expenses, net of deferrals		504		502			530		1,536		569		581			581			563			2,294
Amortization of deferred acquisition costs and intangibles		162		148			272		582		133		152			162			151			598
Goodwill impairment		89		—			—		89		29		—			—			—			29
Interest expense		126		131			95		352		121		124			134			127			506

Total benefits and expenses		2,437		2,357			2,324		7,118		2,439		2,508			2,760			2,455			10,162

INCOME (LOSS) BEFORE INCOME TAXES		99		166			102		367		185		13			(105	)		113			206
Provision (benefit) for income taxes		29		57			22		108		10		(7	)		(5	)		20			18

NET INCOME (LOSS)		70		109			80		259		175		20			(100	)		93			188
Less: net income attributable to noncontrolling interests		36		33			33		102		33		36			36			34			139

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	34	$	76		$	47	$	157	$	142	$	(16	)	$	(136	)	$	59		$	49


Earnings (Loss) Per Share Data:

Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.07	$	0.16		$	0.09	$	0.32	$	0.29	$	(0.03	)	$	(0.28	)	$	0.12		$	0.10
Diluted	$	0.07	$	0.16		$	0.09	$	0.32	$	0.29	$	(0.03	)	$	(0.28	)	$	0.12		$	0.10

Weighted-average shares outstanding
Basic		491.7		491.5			491.2		491.5		490.9		490.8			490.6			490.1			490.6
Diluted		493.9		493.9			495.7		494.5		492.7		490.8			490.6			494.4			493.5

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss) by Segment by Quarter

(amounts in millions, except per share amounts)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Insurance and Wealth Management Division
U.S. Life Insurance segment:
Life Insurance	$	22		$	30		$	6		$	58		$	48		$	64		$	57		$	42		$	211
Long-Term Care		45			14			35			94			28			17			18			36			99
Fixed Annuities		19			20			23			62			18			21			25			14			78

Total U.S. Life Insurance segment		86			64			64			214			94			102			100			92			388
International Protection segment		8			3			5			16			19			22			25			25			91
Wealth Management segment		10			12			12			34			12			12			13			10			47

Total Insurance and Wealth Management Division		104			79			81			264			125			136			138			127			526

Global Mortgage Insurance Division
International Mortgage Insurance segment:
Canada		42			41			37			120			40			40			28			51			159
Australia		57			44			(21	)		80			54			36			54			52			196
Other Countries		(5	)		(9	)		(9	)		(23	)		(11	)		(8	)		(4	)		(4	)		(27	)

Total International Mortgage Insurance segment		94			76			7			177			83			68			78			99			328
U.S. Mortgage Insurance segment		(38	)		(25	)		(43	)		(106	)		(96	)		(79	)		(255	)		(83	)		(513	)

Total Global Mortgage Insurance Division		56			51			(36	)		71			(13	)		(11	)		(177	)		16			(185	)

Corporate and Runoff Division
Runoff segment		9			(6	)		35			38			15			(7	)		18			1			27
Corporate and Other		(48	)		(44	)		(49	)		(141	)		(3	)		(56	)		(92	)		(69	)		(220	)

Total Corporate and Runoff Division		(39	)		(50	)		(14	)		(103	)		12			(63	)		(74	)		(68	)		(193	)

NET OPERATING INCOME (LOSS)		121			80			31			232			124			62			(113	)		75			148

ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net of taxes and other adjustments		(1	)		(19	)		16			(4	)		1			(78	)		(23	)		(16	)		(116	)
Goodwill impairment, net of taxes		(86	)		—			—			(86	)		(19	)		—			—			—			(19	)
Gain on sale of business, net of taxes		—			15			—			15			36			—			—			—			36

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		34			76			47			157			142			(16	)		(136	)		59			49
Add: net income attributable to noncontrolling interests		36			33			33			102			33			36			36			34			139

NET INCOME (LOSS)	$	70		$	109		$	80		$	259		$	175		$	20		$	(100	)	$	93		$	188


Earnings (Loss) Per Share Data:

Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.07		$	0.16		$	0.09		$	0.32		$	0.29		$	(0.03	)	$	(0.28	)	$	0.12		$	0.10
Diluted	$	0.07		$	0.16		$	0.09		$	0.32		$	0.29		$	(0.03	)	$	(0.28	)	$	0.12		$	0.10

Net operating income (loss) per common share
Basic	$	0.25		$	0.16		$	0.06		$	0.47		$	0.25		$	0.13		$	(0.23	)	$	0.15		$	0.30
Diluted	$	0.25		$	0.16		$	0.06		$	0.47		$	0.25		$	0.13		$	(0.23	)	$	0.15		$	0.30

Weighted-average shares outstanding
Basic		491.7			491.5			491.2			491.5			490.9			490.8			490.6			490.1			490.6
Diluted⁽¹⁾		493.9			493.9			495.7			494.5			492.7			490.8			490.6			494.4			493.5

⁽¹⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Consolidated Balance Sheets

(amounts in millions)


	September 30, 2012		June 30, 2012		March 31, 2012		December 31, 2011		September 30, 2011
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	62,214	$	59,791	$	58,532	$	58,295	$	57,816
Equity securities available-for-sale, at fair value		524		431		434		361		354
Commercial mortgage loans		5,861		5,875		6,030		6,092		6,271
Restricted commercial mortgage loans related to securitization entities		359		382		392		411		430
Policy loans		1,626		1,619		1,555		1,549		1,556
Other invested assets		3,916		4,512		3,001		4,819		5,626
Restricted other invested assets related to securitization entities		393		391		384		377		377

Total investments		74,893		73,001		70,328		71,904		72,430
Cash and cash equivalents		3,741		3,874		4,187		4,488		3,648
Accrued investment income		746		652		759		691		725
Deferred acquisition costs		5,020		5,023		5,060		5,193		5,225
Intangible assets		488		519		573		580		629
Goodwill		1,128		1,218		1,256		1,253		1,326
Reinsurance recoverable		17,195		17,177		17,193		16,998		16,995
Other assets		1,010		1,039		981		958		1,002
Separate account assets		10,166		10,033		10,646		10,122		9,794

Total assets	$	114,387	$	112,536	$	110,983	$	112,187	$	111,774

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Consolidated Balance Sheets

(amounts in millions)


	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	33,221		$	32,825		$	32,380		$	32,175		$	31,948
Policyholder account balances		26,449			26,160			26,204			26,345			26,480
Liability for policy and contract claims		7,545			7,552			7,663			7,620			7,379
Unearned premiums		4,291			4,156			4,209			4,223			4,176
Other liabilities		6,073			5,790			5,308			6,308			6,755
Borrowings related to securitization entities		353			375			383			396			414
Non-recourse funding obligations		2,325			2,598			2,602			3,256			3,280
Long-term borrowings		4,880			4,865			5,095			4,726			4,708
Deferred tax liability		1,437			1,216			610			838			994
Separate account liabilities		10,166			10,033			10,646			10,122			9,794

Total liabilities		96,740			95,570			95,100			96,009			95,928

Stockholders’ equity:
Common stock		1			1			1			1			1
Additional paid-in capital		12,162			12,156			12,150			12,136			12,129

Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains on securities not other-than-temporarily impaired		2,641			2,132			1,438			1,617			1,607
Net unrealized gains (losses) on other-than-temporarily impaired securities		(88	)		(116	)		(111	)		(132	)		(126	)

Net unrealized investment gains (losses)		2,553			2,016			1,327			1,485			1,481

Derivatives qualifying as hedges		2,011			2,087			1,680			2,009			1,960
Foreign currency translation and other adjustments		659			550			649			553			457

Total accumulated other comprehensive income		5,223			4,653			3,656			4,047			3,898
Retained earnings		1,741			1,707			1,631			1,584			1,442
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)

Total Genworth Financial, Inc.’s stockholders’ equity		16,427			15,817			14,738			15,068			14,770
Noncontrolling interests		1,220			1,149			1,145			1,110			1,076

Total stockholders’ equity		17,647			16,966			15,883			16,178			15,846

Total liabilities and stockholders’ equity	$	114,387		$	112,536		$	110,983		$	112,187		$	111,774

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Consolidated Balance Sheet by Segment

(amounts in millions)


	September 30, 2012
	U.S. Life Insurance		International Protection		Wealth Management		International Mortgage Insurance		U.S. Mortgage Insurance			Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	57,518	$	1,778	$	31	$	9,849	$	2,310		$	4,147		$	3,747		$	79,380
Deferred acquisition costs and intangible assets		5,336		261		373		239		18			369			40			6,636
Reinsurance recoverable		16,115		26		—		10		112			932			—			17,195
Deferred tax and other assets		530		155		56		135		51			56			27			1,010
Separate account assets		—		—		—		—		—			10,166			—			10,166

Total assets	$	79,499	$	2,220	$	460	$	10,233	$	2,491		$	15,670		$	3,814		$	114,387

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	33,215	$	—	$	—	$	—	$	—		$	6		$	—		$	33,221
Policyholder account balances		21,458		17		—		—		—			4,974			—			26,449
Liability for policy and contract claims		4,751		107		—		551		2,114			22			—			7,545
Unearned premiums		582		542		—		3,041		116			10			—			4,291
Non-recourse funding obligations		2,500		—		—		—		—			—			(175	)		2,325
Deferred tax and other liabilities		5,383		520		35		655		(821	)		152			1,586			7,510
Borrowings and capital securities		—		—		—		577		—			8			4,648			5,233
Separate account liabilities		—		—		—		—		—			10,166			—			10,166

Total liabilities		67,889		1,186		35		4,824		1,409			15,338			6,059			96,740

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		7,111		981		425		3,273		1,057			494			(2,137	)		11,204
Allocated accumulated other comprehensive income (loss)		4,499		53		—		916		25			(162	)		(108	)		5,223

Total Genworth Financial, Inc.’s stockholders’ equity		11,610		1,034		425		4,189		1,082			332			(2,245	)		16,427
Noncontrolling interests		—		—		—		1,220		—			—			—			1,220

Total stockholders’ equity		11,610		1,034		425		5,409		1,082			332			(2,245	)		17,647

Total liabilities and stockholders’ equity	$	79,499	$	2,220	$	460	$	10,233	$	2,491		$	15,670		$	3,814		$	114,387

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Consolidated Balance Sheet by Segment

(amounts in millions)


	June 30, 2012
	U.S. Life Insurance		International Protection		Wealth Management		International Mortgage Insurance		U.S. Mortgage Insurance			Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	55,762	$	1,790	$	30	$	9,339	$	2,438		$	4,059		$	4,109		$	77,527
Deferred acquisition costs and intangible assets		5,353		349		372		238		18			389			41			6,760
Reinsurance recoverable		16,054		25		—		8		145			945			—			17,177
Deferred tax and other assets		420		149		55		205		54			28			128			1,039
Separate account assets		—		—		—		—		—			10,033			—			10,033

Total assets	$	77,589	$	2,313	$	457	$	9,790	$	2,655		$	15,454		$	4,278		$	112,536

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	32,818	$	—	$	—	$	—	$	—		$	7		$	—		$	32,825
Policyholder account balances		21,181		17		—		—		—			4,962			—			26,160
Liability for policy and contract claims		4,596		115		—		581		2,234			26			—			7,552
Unearned premiums		580		545		—		2,902		118			11			—			4,156
Non-recourse funding obligations		2,628		—		—		—		—			—			(30	)		2,598
Deferred tax and other liabilities		4,926		510		33		595		(791	)		17			1,716			7,006
Borrowings and capital securities		—		—		—		561		—			7			4,672			5,240
Separate account liabilities		—		—		—		—		—			10,033			—			10,033

Total liabilities		66,729		1,187		33		4,639		1,561			15,063			6,358			95,570

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		6,714		1,109		424		3,202		1,086			531			(1,902	)		11,164
Allocated accumulated other comprehensive income (loss)		4,146		17		—		800		8			(140	)		(178	)		4,653

Total Genworth Financial, Inc.’s stockholders’ equity		10,860		1,126		424		4,002		1,094			391			(2,080	)		15,817
Noncontrolling interests		—		—		—		1,149		—			—			—			1,149

Total stockholders’ equity		10,860		1,126		424		5,151		1,094			391			(2,080	)		16,966

Total liabilities and stockholders’ equity	$	77,589	$	2,313	$	457	$	9,790	$	2,655		$	15,454		$	4,278		$	112,536

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Deferred Acquisition Costs Rollforward

(amounts in millions)


	U.S. Life Insurance⁽¹⁾			International Protection			Wealth Management		International Mortgage Insurance			U.S. Mortgage Insurance			Runoff⁽²⁾			Corporate and Other		Total
Unamortized balance as of June 30, 2012	$	4,611		$	237		$	—	$	160		$	8		$	371		$	—	$	5,387
Costs deferred		112			20			—		12			2			1			—		147
Amortization, net of interest accretion		(65	)		(25	)		—		(11	)		(1	)		(18	)		—		(120	)
Impact of foreign currency translation		—			6			—		3			—			—			—		9

Unamortized balance as of September 30, 2012		4,658			238			—		164			9			354			—		5,423
Effect of accumulated net unrealized investment (gains) losses		(392	)		—			—		—			—			(11	)		—		(403	)

Balance as of September 30, 2012	$	4,266		$	238		$	—	$	164		$	9		$	343		$	—	$	5,020

⁽¹⁾	Amortization, net of interest accretion, includes $6 million of amortization related to net investment losses for the policyholder account balances.

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

Insurance and Wealth Management Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income—Insurance and Wealth Management Division

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	918		$	907		$	722		$	2,547		$	950		$	959		$	961		$	948		$	3,818
Net investment income		676			687			674			2,037			666			675			701			669			2,711
Net investment gains (losses)		8			(20	)		(1	)		(13	)		(2	)		(21	)		(32	)		(19	)		(74	)
Insurance and investment product fees and other		304			314			377			995			292			307			290			261			1,150

Total revenues		1,906			1,888			1,772			5,566			1,906			1,920			1,920			1,859			7,605

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,081			1,079			827			2,987			999			1,001			977			947			3,924
Interest credited		160			160			162			482			163			160			170			166			659
Acquisition and operating expenses, net of deferrals		350			359			388			1,097			425			426			431			416			1,698
Amortization of deferred acquisition costs and intangibles		123			110			255			488			112			100			120			113			445
Goodwill impairment		89			—			—			89			—			—			—			—			—
Interest expense		35			38			23			96			29			33			41			39			142

Total benefits and expenses		1,838			1,746			1,655			5,239			1,728			1,720			1,739			1,681			6,868

INCOME BEFORE INCOME TAXES		68			142			117			327			178			200			181			178			737
Provision for income taxes		50			59			41			150			57			64			62			61			244

NET INCOME		18			83			76			177			121			136			119			117			493

ADJUSTMENTS TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		—			11			5			16			4			—			19			10			33
Goodwill impairment, net of taxes		86			—			—			86			—			—			—			—			—
Gain on sale of business, net of taxes		—			(15	)		—			(15	)		—			—			—			—			—

NET OPERATING INCOME	$	104		$	79		$	81		$	264		$	125		$	136		$	138		$	127		$	526


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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income—Insurance and Wealth Management Division

(amounts in millions)


	U.S. Life Insurance Segment
Three months ended September 30, 2012	Life Insurance			Long-Term Care			Fixed Annuities			Total U.S. Life Insurance Segment			International Protection Segment			Wealth Management Segment			Total
REVENUES:
Premiums	$	187		$	541		$	26		$	754		$	164		$	—		$	918
Net investment income		129			266			249			644			32			—			676
Net investment gains (losses)		(2	)		1			8			7			1			—			8
Insurance and investment product fees and other		219			1			1			221			1			82			304

Total revenues		533			809			284			1,626			198			82			1,906

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		313			625			113			1,051			30			—			1,081
Interest credited		66			—			94			160			—			—			160
Acquisition and operating expenses, net of deferrals		51			100			19			170			117			63			350
Amortization of deferred acquisition costs and intangibles		49			19			26			94			27			2			123
Goodwill impairment		—			—			—			—			89			—			89
Interest expense		24			—			—			24			11			—			35

Total benefits and expenses		503			744			252			1,499			274			65			1,838

INCOME (LOSS) BEFORE INCOME TAXES		30			65			32			127			(76	)		17			68
Provision for income taxes		10			20			12			42			1			7			50

NET INCOME (LOSS)		20			45			20			85			(77	)		10			18
ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		2			—			(1	)		1			(1	)		—			—
Goodwill impairment, net of taxes		—			—			—			—			86			—			86

NET OPERATING INCOME	$	22		$	45		$	19		$	86		$	8		$	10		$	104


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


	U.S. Life Insurance Segment
Three months ended September 30, 2011	Life Insurance			Long-Term Care			Fixed Annuities			Total U.S. Life Insurance Segment			International Protection Segment			Wealth Management Segment			Total
REVENUES:
Premiums	$	215		$	513		$	22		$	750		$	209		$	—		$	959
Net investment income		132			244			261			637			38			—			675
Net investment gains (losses)		(4	)		27			(42	)		(19	)		(2	)		—			(21	)
Insurance and investment product fees and other		189			1			2			192			—			115			307

Total revenues		532			785			243			1,560			245			115			1,920

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		258			605			101			964			37			—			1,001
Interest credited		59			—			101			160			—			—			160
Acquisition and operating expenses, net of deferrals		62			110			16			188			143			95			426
Amortization of deferred acquisition costs and intangibles		34			19			14			67			32			1			100
Interest expense		26			1			—			27			6			—			33

Total benefits and expenses		439			735			232			1,406			218			96			1,720

INCOME BEFORE INCOME TAXES		93			50			11			154			27			19			200
Provision for income taxes		31			15			4			50			7			7			64

NET INCOME		62			35			7			104			20			12			136
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		2			(18	)		14			(2	)		2			—			—

NET OPERATING INCOME	$	64		$	17		$	21		$	102		$	22		$	12		$	136


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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income—Insurance and Wealth Management Division

(amounts in millions)


	U.S. Life Insurance Segment
Nine months ended September 30, 2012	Life Insurance			Long-Term Care			Fixed Annuities			Total U.S. Life Insurance Segment			International Protection Segment			Wealth Management Segment			Total
REVENUES:
Premiums	$	365		$	1,591		$	74		$	2,030		$	517		$	—		$	2,547
Net investment income		388			787			758			1,933			104			—			2,037
Net investment gains (losses)		(16	)		(1	)		1			(16	)		3			—			(13	)
Insurance and investment product fees and other		667			4			5			676			3			316			995

Total revenues		1,404			2,381			838			4,623			627			316			5,566

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		659			1,880			336			2,875			112			—			2,987
Interest credited		196			—			286			482			—			—			482
Acquisition and operating expenses, net of deferrals		161			294			53			508			370			219			1,097
Amortization of deferred acquisition costs and intangibles		258			65			76			399			85			4			488
Goodwill impairment		—			—			—			—			89			—			89
Interest expense		59			1			—			60			36			—			96

Total benefits and expenses		1,333			2,240			751			4,324			692			223			5,239

INCOME (LOSS) BEFORE INCOME TAXES		71			141			87			299			(65	)		93			327
Provision for income taxes		24			48			31			103			3			44			150

NET INCOME (LOSS)		47			93			56			196			(68	)		49			177
ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		11			1			6			18			(2	)		—			16
Goodwill impairment, net of taxes		—			—			—			—			86			—			86
Gain on sale of business, net of taxes		—			—			—			—			—			(15	)		(15	)

NET OPERATING INCOME	$	58		$	94		$	62		$	214		$	16		$	34		$	264


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


	U.S. Life Insurance Segment
Nine months ended September 30, 2011	Life Insurance			Long-Term Care			Fixed Annuities			Total U.S. Life Insurance Segment			International Protection Segment			Wealth Management Segment			Total
REVENUES:
Premiums	$	659		$	1,500		$	62		$	2,221		$	647		$	—		$	2,868
Net investment income		403			713			790			1,906			139			—			2,045
Net investment gains (losses)		(19	)		11			(65	)		(73	)		1			—			(72	)
Insurance and investment product fees and other		502			3			5			510			9			339			858

Total revenues		1,545			2,227			792			4,564			796			339			5,699

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		774			1,731			316			2,821			104			—			2,925
Interest credited		191			—			305			496			—			—			496
Acquisition and operating expenses, net of deferrals		168			319			56			543			451			279			1,273
Amortization of deferred acquisition costs and intangibles		103			58			59			220			110			3			333
Interest expense		77			1			—			78			35			—			113

Total benefits and expenses		1,313			2,109			736			4,158			700			282			5,140

INCOME BEFORE INCOME TAXES		232			118			56			406			96			57			559
Provision for income taxes		81			40			20			141			24			22			187

NET INCOME		151			78			36			265			72			35			372
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		12			(7	)		24			29			—			—			29

NET OPERATING INCOME	$	163		$	71		$	60		$	294		$	72		$	35		$	401


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

U.S. Life Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income—U.S. Life Insurance Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	754		$	733		$	543		$	2,030		$	758		$	750		$	738		$	733		$	2,979
Net investment income		644			651			638			1,933			632			637			648			621			2,538
Net investment gains (losses)		7			(21	)		(2	)		(16	)		—			(19	)		(33	)		(21	)		(73	)
Insurance and investment product fees and other		221			192			263			676			176			192			172			146			686

Total revenues		1,626			1,555			1,442			4,623			1,566			1,560			1,525			1,479			6,130

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,051			1,038			786			2,875			968			964			942			915			3,789
Interest credited		160			160			162			482			163			160			170			166			659
Acquisition and operating expenses, net of deferrals		170			169			169			508			193			188			183			172			736
Amortization of deferred acquisition costs and intangibles		94			82			223			399			77			67			77			76			297
Interest expense		24			24			12			60			26			27			25			26			104

Total benefits and expenses		1,499			1,473			1,352			4,324			1,427			1,406			1,397			1,355			5,585

INCOME BEFORE INCOME TAXES		127			82			90			299			139			154			128			124			545
Provision for income taxes		42			29			32			103			48			50			47			44			189

NET INCOME		85			53			58			196			91			104			81			80			356

ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		1			11			6			18			3			(2	)		19			12			32

NET OPERATING INCOME	$	86		$	64		$	64		$	214		$	94		$	102		$	100		$	92		$	388


Effective tax rate (operating income)		32.4	%		36.1	%		35.6	%		34.5	%		34.9	%		32.3	%		36.5	%		35.2	%		34.7	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income and Sales—U.S. Life Insurance Segment—Life Insurance

(amounts in millions)


	2012												2011
	3Q⁽¹⁾			2Q			1Q⁽²⁾			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	187		$	189		$	(11	)	$	365		$	205		$	215		$	222		$	222		$	864
Net investment income		129			130			129			388			131			132			141			130			534
Net investment gains (losses)		(2	)		(9	)		(5	)		(16	)		(13	)		(4	)		(15	)		—			(32	)
Insurance and investment product fees and other		219			188			260			667			174			189			170			143			676

Total revenues		533			498			373			1,404			497			532			518			495			2,042

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		313			281			65			659			260			258			254			262			1,034
Interest credited		66			65			65			196			64			59			69			63			255
Acquisition and operating expenses, net of deferrals		51			55			55			161			55			62			60			46			223
Amortization of deferred acquisition costs and intangibles		49			37			172			258			29			34			36			33			132
Interest expense		24			23			12			59			26			26			25			26			103

Total benefits and expenses		503			461			369			1,333			434			439			444			430			1,747

INCOME BEFORE INCOME TAXES		30			37			4			71			63			93			74			65			295
Provision for income taxes		10			13			1			24			24			31			27			23			105

NET INCOME		20			24			3			47			39			62			47			42			190

ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		2			6			3			11			9			2			10			—			21

NET OPERATING INCOME	$	22		$	30		$	6		$	58		$	48		$	64		$	57		$	42		$	211


Effective tax rate (operating income)		32.8	%		35.7	%		30.3	%		34.0	%		37.8	%		33.1	%		37.0	%		35.0	%		35.6	%

SALES:
Sales by Product:
Term Life	$	1		$	—		$	—		$	1		$	—		$	1		$	—		$	—		$	1
Term Universal Life		19			32			31			82			31			33			35			30			129
Universal Life		15			19			16			50			16			14			13			15			58
Linked-Benefits		3			3			3			9			2			2			3			2			9

Total Sales	$	38		$	54		$	50		$	142		$	49		$	50		$	51		$	47		$	197

Sales by Distribution Channel:
Financial Intermediaries	$	2		$	1		$	2		$	5		$	1		$	2		$	1		$	2		$	6
Independent Producers		35			52			48			135			47			48			49			45			189
Dedicated Sales Specialist		1			1			—			2			1			—			1			—			2

Total Sales	$	38		$	54		$	50		$	142		$	49		$	50		$	51		$	47		$	197

⁽¹⁾

In the third quarter of 2012, as part of a life block transaction, the company repurchased $270 million of non-recourse funding obligations resulting in a U.S. GAAP after-tax gain of approximately $21 million. The company also recorded higher after-tax DAC amortization of approximately $25 million reflecting loss recognition associated with a third-party reinsurance treaty plus additional expenses. The combined transactions resulted in a U.S. GAAP after-tax loss of $6 million.

⁽²⁾

In January 2012, as part of a life block transaction, the company repurchased $475 million of non-recourse funding obligations resulting in a U.S. GAAP after-tax gain of approximately $52 million and then ceded certain term life insurance policies to a third-party reinsurer resulting in a U.S. GAAP after-tax loss, net of deferred acquisition costs (DAC), of $93 million. The combined transactions resulted in a U.S. GAAP after-tax loss of approximately $41 million.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Life Insurance In-Force

(amounts in millions)


	2012						2011
	3Q		2Q		1Q		4Q		3Q		2Q		1Q
Term and Whole Life Insurance
Life insurance in-force, net of reinsurance	$	382,735	$	387,333	$	391,870	$	439,743	$	444,861	$	449,806	$	454,704
Life insurance in-force before reinsurance	$	546,829	$	554,019	$	561,186	$	568,261	$	575,689	$	583,007	$	590,569

Term Universal Life Insurance
Life insurance in-force, net of reinsurance	$	133,846	$	119,687	$	112,906	$	99,753	$	87,238	$	73,569	$	58,371
Life insurance in-force before reinsurance	$	134,921	$	127,640	$	113,737	$	100,476	$	87,896	$	74,107	$	58,811

Universal Life Insurance
Life insurance in-force, net of reinsurance	$	43,523	$	43,232	$	42,734	$	42,363	$	42,015	$	41,737	$	41,543
Life insurance in-force before reinsurance	$	50,364	$	50,083	$	49,527	$	49,204	$	48,199	$	47,990	$	47,831

Total Life Insurance
Life insurance in-force, net of reinsurance	$	560,104	$	550,252	$	547,510	$	581,859	$	574,114	$	565,112	$	554,618
Life insurance in-force before reinsurance	$	732,114	$	731,742	$	724,450	$	717,941	$	711,784	$	705,104	$	697,211

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income and Sales—U.S. Life Insurance Segment—Long-Term Care

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	541		$	529		$	521		$	1,591		$	520		$	513		$	496		$	491		$	2,020
Net investment income		266			266			255			787			246			244			240			229			959
Net investment gains (losses)		1			—			(2	)		(1	)		8			27			(8	)		(8	)		19
Insurance and investment product fees and other		1			2			1			4			1			1			1			1			4

Total revenues		809			797			775			2,381			775			785			729			713			3,002

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		625			654			601			1,880			593			605			583			543			2,324
Interest credited		—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		100			96			98			294			113			110			105			104			432
Amortization of deferred acquisition costs and intangibles		19			24			22			65			22			19			19			20			80
Interest expense		—			1			—			1			—			1			—			—			1

Total benefits and expenses		744			775			721			2,240			728			735			707			667			2,837

INCOME BEFORE INCOME TAXES		65			22			54			141			47			50			22			46			165
Provision for income taxes		20			8			20			48			14			15			9			16			54

NET INCOME		45			14			34			93			33			35			13			30			111
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		—			—			1			1			(5	)		(18	)		5			6			(12	)

NET OPERATING INCOME	$	45		$	14		$	35		$	94		$	28		$	17		$	18		$	36		$	99


Effective tax rate (operating income)		30.9	%		38.4	%		36.5	%		34.3	%		29.1	%		22.3	%		39.2	%		35.2	%		32.4	%

SALES:
Sales by Distribution Channel:
Financial Intermediaries	$	5		$	5		$	5		$	15		$	6		$	6		$	5		$	5		$	22
Independent Producers		46			35			28			109			35			34			31			29			129
Dedicated Sales Specialist		12			13			12			37			15			14			14			12			55

Total Individual Long-Term Care		63			53			45			161			56			54			50			46			206
Group Long-Term Care		6			7			3			16			9			—			2			2			13

Total Sales	$	69		$	60		$	48		$	177		$	65		$	54		$	52		$	48		$	219


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

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

⁽²⁾	The gross benefits ratio was calculated by dividing the benefits and other changes in policy reserves by net earned premiums.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income and Sales—U.S. Life Insurance Segment—Fixed Annuities

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	26		$	15		$	33		$	74		$	33		$	22		$	20		$	20		$	95
Net investment income		249			255			254			758			255			261			267			262			1,045
Net investment gains (losses)		8			(12	)		5			1			5			(42	)		(10	)		(13	)		(60	)
Insurance and investment product fees and other		1			2			2			5			1			2			1			2			6

Total revenues		284			260			294			838			294			243			278			271			1,086

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		113			103			120			336			115			101			105			110			431
Interest credited		94			95			97			286			99			101			101			103			404
Acquisition and operating expenses, net of deferrals		19			18			16			53			25			16			18			22			81
Amortization of deferred acquisition costs and intangibles		26			21			29			76			26			14			22			23			85
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		252			237			262			751			265			232			246			258			1,001

INCOME BEFORE INCOME TAXES		32			23			32			87			29			11			32			13			85
Provision for income taxes		12			8			11			31			10			4			11			5			30

NET INCOME		20			15			21			56			19			7			21			8			55
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		(1	)		5			2			6			(1	)		14			4			6			23

NET OPERATING INCOME	$	19		$	20		$	23		$	62		$	18		$	21		$	25		$	14		$	78


Effective tax rate (operating income)		35.4	%		35.3	%		35.6	%		35.4	%		35.0	%		36.9	%		33.1	%		35.6	%		35.0	%

SALES:
Sales by Product:
Single Premium Immediate Annuities	$	63		$	51		$	74		$	188		$	70		$	49		$	52		$	57		$	228
Single Premium Deferred Annuities		424			285			262			971			293			446			272			109			1,120

Total Sales	$	487		$	336		$	336		$	1,159		$	363		$	495		$	324		$	166		$	1,348

Sales by Distribution Channel:
Financial Intermediaries	$	336		$	242		$	216		$	794		$	233		$	411		$	243		$	108		$	995
Independent Producers		145			90			116			351			127			82			79			55			343
Dedicated Sales Specialists		6			4			4			14			3			2			2			3			10

Total Sales	$	487		$	336		$	336		$	1,159		$	363		$	495		$	324		$	166		$	1,348

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Operating Performance Measures—U.S. Life Insurance Segment—Fixed Annuities

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Single Premium Deferred Annuities
Account value, beginning of the period	$	10,904		$	10,849		$	10,831		$	10,831		$	10,775		$	10,582		$	10,660		$	10,819		$	10,819
Deposits		427			286			264			977			295			450			275			120			1,140
Surrenders, benefits and product charges		(310	)		(314	)		(330	)		(954	)		(325	)		(345	)		(441	)		(368	)		(1,479	)

Net flows		117			(28	)		(66	)		23			(30	)		105			(166	)		(248	)		(339	)
Interest credited		83			83			84			250			86			88			88			89			351

Account value, end of the period		11,104			10,904			10,849			11,104			10,831			10,775			10,582			10,660			10,831


Single Premium Immediate Annuities
Account value, beginning of the period		6,427			6,404			6,433			6,433			6,482			6,384			6,411			6,528			6,528
Premiums and deposits		90			81			106			277			96			77			85			85			343
Surrenders, benefits and product charges		(222	)		(235	)		(237	)		(694	)		(250	)		(245	)		(253	)		(256	)		(1,004	)

Net flows		(132	)		(154	)		(131	)		(417	)		(154	)		(168	)		(168	)		(171	)		(661	)
Interest credited		75			77			78			230			79			80			82			83			324
Effect of accumulated net unrealized investment gains (losses)		99			100			24			223			26			186			59			(29	)		242

Account value, end of the period		6,469			6,427			6,404			6,469			6,433			6,482			6,384			6,411			6,433

Structured Settlements
Account value, net of reinsurance, beginning of the period		1,106			1,107			1,107			1,107			1,109			1,113			1,113			1,113			1,113
Surrenders, benefits and product charges		(17	)		(16	)		(14	)		(47	)		(17	)		(18	)		(14	)		(15	)		(64	)

Net flows		(17	)		(16	)		(14	)		(47	)		(17	)		(18	)		(14	)		(15	)		(64	)
Interest credited		15			15			14			44			15			14			14			15			58

Account value, net of reinsurance, end of the period		1,104			1,106			1,107			1,104			1,107			1,109			1,113			1,113			1,107

Total Fixed Annuities	$	18,677		$	18,437		$	18,360		$	18,677		$	18,371		$	18,366		$	18,079		$	18,184		$	18,371

International Protection Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income and Sales—International Protection Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	164		$	174		$	179		$	517		$	192		$	209		$	223		$	215		$	839
Net investment income		32			36			36			104			34			38			53			48			173
Net investment gains (losses)		1			1			1			3			(2	)		(2	)		1			2			(1	)
Insurance and investment product fees and other		1			—			2			3			2			—			4			5			11

Total revenues		198			211			218			627			226			245			281			270			1,022

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		30			41			41			112			31			37			35			32			135
Acquisition and operating expenses, net of deferrals		117			126			127			370			139			143			156			152			590
Amortization of deferred acquisition costs and intangibles		27			27			31			85			33			32			42			36			143
Goodwill impairment		89			—			—			89			—			—			—			—			—
Interest expense		11			14			11			36			3			6			16			13			38

Total benefits and expenses		274			208			210			692			206			218			249			233			906

INCOME (LOSS) BEFORE INCOME TAXES		(76	)		3			8			(65	)		20			27			32			37			116
Provision for income taxes		1			—			2			3			2			7			7			10			26

NET INCOME (LOSS)		(77	)		3			6			(68	)		18			20			25			27			90

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		(1	)		—			(1	)		(2	)		1			2			—			(2	)		1
Goodwill impairment, net of taxes		86			—			—			86			—			—			—			—			—

NET OPERATING INCOME⁽¹⁾	$	8		$	3		$	5		$	16		$	19		$	22		$	25		$	25		$	91


Effective tax rate (operating income)		32.8	%		-5.8	%		23.1	%		24.0	%		7.4	%		28.7	%		20.9	%		26.3	%		22.0	%

SALES:
Lifestyle Protection Insurance
Traditional indemnity premiums	$	212		$	246		$	228		$	686		$	234		$	252		$	270		$	242		$	998
Premium equivalents for administrative services only business		2			2			2			6			5			5			6			6			22
Reinsurance premiums assumed accounted for under the deposit method		152			169			149			470			167			181			193			175			716

Total Sales⁽²⁾	$	366		$	417		$	379		$	1,162		$	406		$	438		$	469		$	423		$	1,736

SALES BY REGION:
Lifestyle Protection Insurance
Northern Europe	$	145		$	151		$	141		$	437		$	149		$	166		$	169		$	156		$	640
Southern Europe		110			141			134			385			152			161			188			170			671
Latin America		4			5			7			16			6			7			2			—			15
Structured Deals⁽³⁾		103			113			93			309			93			97			103			89			382
Other		4			7			4			15			6			7			7			8			28

Total Sales	$	366		$	417		$	379		$	1,162		$	406		$	438		$	469		$	423		$	1,736



Loss Ratio		18	%		24	%		23	%		22	%		16	%		17	%		16	%		15	%		16	%

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

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Protection segment was $12 million and $21 million for the three and nine months ended September 30, 2012, respectively.

⁽²⁾	Sales adjusted for foreign exchange as compared to the prior year period for the International Protection segment were $389 million and $1,205 million for the three and nine months ended September 30, 2012, respectively.

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment

(amounts in millions)


	3Q 2012									2Q 2012									1Q 2012									Total 2012
	Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis
REVENUES:
Premiums	$	164		$	47		$	211		$	174		$	56		$	230		$	179		$	55		$	234		$	517		$	158		$	675
Net investment income		32			(9	)		23			36			(12	)		24			36			(13	)		23			104			(34	)		70
Net investment gains (losses)		1			—			1			1			—			1			1			—			1			3			—			3
Insurance and investment product fees and other		1			—			1			—			—			—			2			—			2			3			—			3

Total revenues		198			38			236			211			44			255			218			42			260			627			124			751

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		30			15			45			41			20			61			41			15			56			112			50			162
Acquisition and operating expenses, net of deferrals		117			14			131			126			15			141			127			17			144			370			46			416
Amortization of deferred acquisition costs and intangibles		27			11			38			27			13			40			31			14			45			85			38			123
Goodwill impairment		89			—			89			—			—			—			—			—			—			89			—			89
Interest expense		11			(2	)		9			14			(4	)		10			11			(4	)		7			36			(10	)		26

Total benefits and expenses		274			38			312			208			44			252			210			42			252			692			124			816

INCOME (LOSS) BEFORE INCOME TAXES		(76	)		—			(76	)		3			—			3			8			—			8			(65	)		—			(65	)
Provision for income taxes		1			—			1			—			—			—			2			—			2			3			—			3

NET INCOME (LOSS)		(77	)		—			(77	)		3			—			3			6			—			6			(68	)		—			(68	)
ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		(1	)		—			(1	)		—			—			—			(1	)		—			(1	)		(2	)		—			(2	)
Goodwill impairment, net of taxes		86			—			86			—			—			—			—			—			—			86			—			86

NET OPERATING INCOME⁽¹⁾	$	8		$	—		$	8		$	3		$	—		$	3		$	5		$	—		$	5		$	16		$	—		$	16

Effective tax rate (operating income)		32.8	%					32.8	%		-5.8	%					-5.8	%		23.1	%					23.1	%		24.0	%					24.0	%

Other Metrics:
Premiums	$	164		$	47		$	211		$	174		$	56		$	230		$	179		$	55		$	234		$	517		$	158		$	675
Benefits and other changes in policy reserves		30			15			45			41			20			61			41			15			56			112			50			162
Commissions⁽²⁾		77			15			92			84			15			99			85			14			99			246			44			290

Margin before profit sharing		57			17			74			49			21			70			53			26			79			159			64			223
Profit share⁽²⁾		24			15			39			27			14			41			27			17			44			78			46			124

Underwriting profit	$	33		$	2		$	35		$	22		$	7		$	29		$	26		$	9		$	35		$	81		$	18		$	99

Loss Ratio		18	%					21	%		24	%					27	%		23	%					23	%		22	%					24	%

Underwriting Margin⁽³⁾		20	%					17	%		13	%					13	%		14	%					15	%		16	%					15	%

Combined Ratio⁽⁴⁾		160	%					144	%		111	%					105	%		111	%					105	%		127	%					117	%

This page is provided as supplemental analysis related to the lifestyle protection insurance business. This business has reinsurance agreements that do not qualify for risk transfer under GAAP. This analysis shows the income statement activity as if these reinsurance agreements, except for our reciprocal arrangements, were accounted for as reinsurance accounting (“pre-deposit accounting basis”) and not as deposit accounting. There is no impact on net income available to Genworth Financial, Inc.’s common stockholders or to segment net operating income.

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

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Protection segment was $12 million and $21 million for the three and nine months ended September 30, 2012, respectively.

⁽²⁾	Commissions include commissions which are included above in acquisition and operating expenses, net of deferrals, and amortization of DAC.

⁽³⁾	The underwriting margin is calculated as underwriting profit divided by net earned premiums.

⁽⁴⁾	The combined ratio is calculated as benefits and other changes in policy reserves, commissions (including amortization of DAC), profit share and other operating expenses divided by net earned premiums.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Pre-Deposit Accounting Basis)—International Protection Segment

(amounts in millions)


		4Q 2011									3Q 2011									2Q 2011									1Q 2011									Total 2011
	Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis			Reported			Deposit Accounting Adjustments			Pre-Deposit Accounting Basis
REVENUES:
Premiums	$	192		$	57		$	249		$	209		$	71		$	280		$	223		$	71		$	294		$	215		$	56		$	271		$	839		$	255		$	1,094
Net investment income		34			(7	)		27			38			(11	)		27			53			(26	)		27			48			(23	)		25			173			(67	)		106
Net investment gains (losses)		(2	)		—			(2	)		(2	)		—			(2	)		1			—			1			2			—			2			(1	)		—			(1	)
Insurance and investment product fees and other		2			—			2			—			—			—			4			—			4			5			—			5			11			—			11

Total revenues		226			50			276			245			60			305			281			45			326			270			33			303			1,022			188			1,210

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		31			15			46			37			18			55			35			18			53			32			10			42			135			61			196
Acquisition and operating expenses, net of deferrals		139			16			155			143			19			162			156			19			175			152			13			165			590			67			657
Amortization of deferred acquisition costs and intangibles		33			13			46			32			21			53			42			16			58			36			17			53			143			67			210
Interest expense		3			6			9			6			2			8			16			(8	)		8			13			(7	)		6			38			(7	)		31

Total benefits and expenses		206			50			256			218			60			278			249			45			294			233			33			266			906			188			1,094

INCOME BEFORE INCOME TAXES		20			—			20			27			—			27			32			—			32			37			—			37			116			—			116
Provision for income taxes		2			—			2			7			—			7			7			—			7			10			—			10			26			—			26

NET INCOME		18			—			18			20			—			20			25			—			25			27			—			27			90			—			90
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		1			—			1			2			—			2			—			—			—			(2	)		—			(2	)		1			—			1

NET OPERATING INCOME	$	19		$	—		$	19		$	22		$	—		$	22		$	25		$	—		$	25		$	25		$	—		$	25		$	91		$	—		$	91

Effective tax rate (operating income)		7.4	%					7.4	%		28.7	%					28.7	%		20.9	%					20.9	%		26.3	%					26.3	%		22.0	%					22.0	%

Other Metrics:
Premiums	$	192		$	57		$	249		$	209		$	71		$	280		$	223		$	71		$	294		$	215		$	56		$	271		$	839		$	255		$	1,094
Benefits and other changes in policy reserves		31			15			46			37			18			55			35			18			53			32			10			42			135			61			196
Commissions⁽¹⁾		94			10			104			96			21			117			109			18			127			102			16			118			401			65			466

Margin before profit sharing		67			32			99			76			32			108			79			35			114			81			30			111			303			129			432
Profit share⁽¹⁾		26			18			44			28			18			46			35			18			53			37			14			51			126			68			194

Underwriting profit	$	41		$	14		$	55		$	48		$	14		$	62		$	44		$	17		$	61		$	44		$	16		$	60		$	177		$	61		$	238

Loss Ratio		16	%					18	%		17	%					20	%		16	%					18	%		15	%					15	%		16	%					18	%

Underwriting Margin⁽²⁾		21	%					22	%		23	%					22	%		19	%					21	%		21	%					22	%		21	%					22	%

Combined Ratio⁽³⁾		106	%					99	%		100	%					96	%		104	%					97	%		101	%					96	%		103	%					97	%

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

⁽¹⁾	Commissions include commissions which are included above in acquisition and operating expenses, net of deferrals, and amortization of DAC.

⁽²⁾	The underwriting margin is calculated as underwriting profit divided by net earned premiums.

⁽³⁾	The combined ratio is calculated as benefits and other changes in policy reserves, commissions (including amortization of DAC), profit share and other operating expenses divided by net earned premiums.

Wealth Management Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		—			—			—			—			—			—			—			—			—
Net investment gains (losses)		—			—			—			—			—			—			—			—			—
Insurance and investment product fees and other		82			122			112			316			114			115			114			110			453

Total revenues		82			122			112			316			114			115			114			110			453

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			—			—			—			—			—			—			—			—
Interest credited		—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		63			64			92			219			93			95			92			92			372
Amortization of deferred acquisition costs and intangibles		2			1			1			4			2			1			1			1			5
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		65			65			93			223			95			96			93			93			377

INCOME BEFORE INCOME TAXES		17			57			19			93			19			19			21			17			76
Provision for income taxes		7			30			7			44			7			7			8			7			29

NET INCOME		10			27			12			49			12			12			13			10			47

ADJUSTMENTS TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		—			—			—			—			—			—			—			—			—
Gain on sale of business, net of taxes		—			(15	)		—			(15	)		—			—			—			—			—

NET OPERATING INCOME	$	10		$	12		$	12		$	34		$	12		$	12		$	13		$	10		$	47


Effective tax rate (operating income)		38.5	%		35.3	%		37.9	%		37.2	%		36.2	%		38.9	%		36.4	%		42.3	%		38.3	%

SALES:

Sales by Distribution Channel:
Independent Producers	$	1,099		$	1,228		$	1,344		$	3,671		$	1,278		$	1,395		$	1,622		$	1,785		$	6,080
Dedicated Sales Specialists		—			—			172			172			161			170			185			273			789

Total Sales	$	1,099		$	1,228		$	1,516		$	3,843		$	1,439		$	1,565		$	1,807		$	2,058		$	6,869



ASSETS UNDER MANAGEMENT:
Beginning of period	$	22,320		$	25,684		$	25,087		$	25,087		$	24,613		$	25,930		$	25,551		$	24,740		$	24,740
Gross flows		1,099			1,228			1,516			3,843			1,439			1,565			1,807			2,058			6,869
Redemptions		(1,353	)		(1,473	)		(1,875	)		(4,701	)		(1,455	)		(1,119	)		(1,143	)		(1,703	)		(5,420	)

Net flows		(254	)		(245	)		(359	)		(858	)		(16	)		446			664			355			1,449
Market performance		567			(348	)		956			1,175			490			(1,763	)		(285	)		456			(1,102	)
Disposition⁽¹⁾		—			(2,771	)		—			(2,771	)		—			—			—			—			—

End of period	$	22,633		$	22,320		$	25,684		$	22,633		$	25,087		$	24,613		$	25,930		$	25,551		$	25,087

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

⁽¹⁾	On April 2, 2012, we completed the sale of our tax and accounting financial advisor unit, GFIS. Assets under management at the time of the sale were $2,771 million.

Global Mortgage Insurance Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Global Mortgage Insurance Division

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	392		$	393		$	384		$	1,169		$	400		$	413		$	410		$	404		$	1,627
Net investment income		112			107			120			339			112			132			125			128			497
Net investment gains (losses)		—			11			29			40			43			34			6			5			88
Insurance and investment product fees and other		—			20			2			22			6			—			6			2			14

Total revenues		504			531			535			1,570			561			579			547			539			2,226

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		273			289			404			966			392			370			633			388			1,783
Acquisition and operating expenses, net of deferrals		102			94			93			289			95			106			104			99			404
Amortization of deferred acquisition costs and intangibles		18			18			18			54			16			17			19			19			71
Interest expense		9			8			10			27			10			9			6			6			31

Total benefits and expenses		402			409			525			1,336			513			502			762			512			2,289

INCOME (LOSS) BEFORE INCOME TAXES		102			122			10			234			48			77			(215	)		27			(63	)
Provision (benefit) for income taxes		11			31			(4	)		38			1			29			(78	)		(24	)		(72	)

NET INCOME (LOSS)		91			91			14			196			47			48			(137	)		51			9
Less: net income attributable to noncontrolling interests		36			33			33			102			33			36			36			34			139

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		55			58			(19	)		94			14			12			(173	)		17			(130	)

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		1			(7	)		(17	)		(23	)		(27	)		(23	)		(4	)		(1	)		(55	)

NET OPERATING INCOME (LOSS)⁽¹⁾	$	56		$	51		$	(36	)	$	71		$	(13	)	$	(11	)	$	(177	)	$	16		$	(185	)


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

⁽¹⁾	Net operating income (loss) adjusted for foreign exchange as compared to the prior year period for the Global Mortgage Insurance Division was $60 million and $79 million for the three and nine months ended September 30, 2012, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Global Mortgage Insurance Division

(amounts in millions)


	International Mortgage Insurance Segment
Three months ended September 30, 2012	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	147		$	98		$	11		$	256		$	136		$	392
Net investment income		46			44			2			92			20			112
Net investment gains (losses)		4			(2	)		—			2			(2	)		—
Insurance and investment product fees and other		—			—			—			—			—			—

Total revenues		197			140			13			350			154			504

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		44			46			9			99			174			273
Acquisition and operating expenses, net of deferrals		28			26			8			62			40			102
Amortization of deferred acquisition costs and intangibles		10			6			1			17			1			18
Interest expense		6			3			—			9			—			9

Total benefits and expenses		88			81			18			187			215			402

INCOME (LOSS) BEFORE INCOME TAXES		109			59			(5	)		163			(61	)		102
Provision (benefit) for income taxes		29			4			1			34			(23	)		11

NET INCOME (LOSS)		80			55			(6	)		129			(38	)		91
Less: net income attributable to noncontrolling interests		36			—			—			36			—			36

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		44			55			(6	)		93			(38	)		55

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(2	)		2			1			1			—			1

NET OPERATING INCOME (LOSS)	$	42		$	57		$	(5	)	$	94		$	(38	)	$	56


Effective tax rate (operating income (loss))		25.6	%		8.2	%		-0.6	%		17.6	%		37.2	%		-3.7	%

	International Mortgage Insurance Segment
Three months ended September 30, 2011	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	153		$	105		$	15		$	273		$	140		$	413
Net investment income		51			49			3			103			29			132
Net investment gains (losses)		3			30			(1	)		32			2			34
Insurance and investment product fees and other		—			—			—			—			—			—

Total revenues		207			184			17			408			171			579

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		57			51			11			119			251			370
Acquisition and operating expenses, net of deferrals		27			26			12			65			41			106
Amortization of deferred acquisition costs and intangibles		9			7			—			16			1			17
Interest expense		5			4			—			9			—			9

Total benefits and expenses		98			88			23			209			293			502

INCOME (LOSS) BEFORE INCOME TAXES		109			96			(6	)		199			(122	)		77
Provision (benefit) for income taxes		32			40			2			74			(45	)		29

NET INCOME (LOSS)		77			56			(8	)		125			(77	)		48
Less: net income attributable to noncontrolling interests		36			—			—			36			—			36

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		41			56			(8	)		89			(77	)		12

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(1	)		(20	)		—			(21	)		(2	)		(23	)

NET OPERATING INCOME (LOSS)	$	40		$	36		$	(8	)	$	68		$	(79	)	$	(11	)


Effective tax rate (operating income (loss))		31.3	%		46.5	%		-40.9	%		43.1	%		37.2	%		-75.5	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Global Mortgage Insurance Division

(amounts in millions)


	International Mortgage Insurance Segment
Nine months ended September 30, 2012	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	440		$	287		$	32		$	759		$	410		$	1,169
Net investment income		140			137			6			283			56			339
Net investment gains (losses)		11			(3	)		7			15			25			40
Insurance and investment product fees and other		—			—			—			—			22			22

Total revenues		591			421			45			1,057			513			1,570

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		147			237			37			421			545			966
Acquisition and operating expenses, net of deferrals		83			72			27			182			107			289
Amortization of deferred acquisition costs and intangibles		30			19			1			50			4			54
Interest expense		17			10			—			27			—			27

Total benefits and expenses		277			338			65			680			656			1,336

INCOME (LOSS) BEFORE INCOME TAXES		314			83			(20	)		377			(143	)		234
Provision (benefit) for income taxes		88			5			(1	)		92			(54	)		38

NET INCOME (LOSS)		226			78			(19	)		285			(89	)		196
Less: net income attributable to noncontrolling interests		102			—			—			102			—			102

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		124			78			(19	)		183			(89	)		94

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(4	)		2			(4	)		(6	)		(17	)		(23	)

NET OPERATING INCOME (LOSS)	$	120		$	80		$	(23	)	$	177		$	(106	)	$	71


Effective tax rate (operating income (loss))		28.2	%		6.8	%		14.2	%		21.8	%		37.2	%		-23.2	%

	International Mortgage Insurance Segment
Nine months ended September 30, 2011	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	466		$	296		$	41		$	803		$	424		$	1,227
Net investment income		149			138			10			297			88			385
Net investment gains (losses)		8			32			1			41			4			45
Insurance and investment product fees and other		—			1			5			6			2			8

Total revenues		623			467			57			1,147			518			1,665

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		167			140			28			335			1,056			1,391
Acquisition and operating expenses, net of deferrals		83			69			36			188			121			309
Amortization of deferred acquisition costs and intangibles		30			21			—			51			4			55
Interest expense		17			4			—			21			—			21

Total benefits and expenses		297			234			64			595			1,181			1,776

INCOME (LOSS) BEFORE INCOME TAXES		326			233			(7	)		552			(663	)		(111	)
Provision (benefit) for income taxes		98			70			8			176			(249	)		(73	)

NET INCOME (LOSS)		228			163			(15	)		376			(414	)		(38	)
Less: net income attributable to noncontrolling interests		106			—			—			106			—			106

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		122			163			(15	)		270			(414	)		(144	)

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(3	)		(21	)		(1	)		(25	)		(3	)		(28	)

NET OPERATING INCOME (LOSS)	$	119		$	142		$	(16	)	$	245		$	(417	)	$	(172	)


Effective tax rate (operating income (loss))		32.0	%		30.0	%		-98.4	%		33.8	%		37.6	%		42.2	%

International Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income—International Mortgage Insurance Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	256		$	256		$	247		$	759		$	260		$	273		$	268		$	262		$	1,063
Net investment income		92			94			97			283			96			103			99			95			393
Net investment gains (losses)		2			11			2			15			1			32			5			4			42
Insurance and investment product fees and other		—			—			—			—			3			—			5			1			9

Total revenues		350			361			346			1,057			360			408			377			362			1,507

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		99			115			207			421			123			119			107			109			458
Acquisition and operating expenses, net of deferrals		62			61			59			182			60			65			63			60			248
Amortization of deferred acquisition costs and intangibles		17			16			17			50			15			16			18			17			66
Interest expense		9			8			10			27			10			9			6			6			31

Total benefits and expenses		187			200			293			680			208			209			194			192			803

INCOME BEFORE INCOME TAXES		163			161			53			377			152			199			183			170			704
Provision for income taxes		34			45			13			92			36			74			66			36			212

NET INCOME		129			116			40			285			116			125			117			134			492
Less: net income attributable to noncontrolling interests		36			33			33			102			33			36			36			34			139

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		93			83			7			183			83			89			81			100			353

ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		1			(7	)		—			(6	)		—			(21	)		(3	)		(1	)		(25	)

NET OPERATING INCOME⁽¹⁾	$	94		$	76		$	7		$	177		$	83		$	68		$	78		$	99		$	328


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

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Mortgage Insurance segment was $98 million and $185 million for the three and nine months ended September 30, 2012, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income and Sales—International Mortgage Insurance Segment—Canada

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	147		$	148		$	145		$	440		$	153		$	153		$	157		$	156		$	619
Net investment income		46			47			47			140			47			51			50			48			196
Net investment gains (losses)		4			1			6			11			—			3			2			3			8
Insurance and investment product fees and other		—			—			—			—			—			—			—			—			—

Total revenues		197			196			198			591			200			207			209			207			823

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		44			48			55			147			61			57			51			59			228
Acquisition and operating expenses, net of deferrals		28			29			26			83			28			27			29			27			111
Amortization of deferred acquisition costs and intangibles		10			10			10			30			9			9			11			10			39
Interest expense		6			5			6			17			6			5			6			6			23

Total benefits and expenses		88			92			97			277			104			98			97			102			401

INCOME BEFORE INCOME TAXES		109			104			101			314			96			109			112			105			422
Provision for income taxes		29			30			29			88			23			32			47			19			121

NET INCOME		80			74			72			226			73			77			65			86			301
Less: net income attributable to noncontrolling interests		36			33			33			102			33			36			36			34			139

NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		44			41			39			124			40			41			29			52			162

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

NET OPERATING INCOME⁽¹⁾	$	42		$	41		$	37		$	120		$	40		$	40		$	28		$	51		$	159


Effective tax rate (operating income)		25.6	%		30.0	%		29.3	%		28.2	%		23.3	%		31.3	%		53.8	%		9.1	%		30.0	%

SALES:
New Insurance Written (NIW)
Flow	$	7,200		$	5,700		$	3,500		$	16,400		$	5,200		$	6,800		$	6,400		$	4,400		$	22,800
Bulk		2,600			13,100			500			16,200			1,000			600			1,500			1,100			4,200

Total Canada NIW⁽²⁾	$	9,800		$	18,800		$	4,000		$	32,600		$	6,200		$	7,400		$	7,900		$	5,500		$	27,000

⁽¹⁾	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $44 million and $124 million for the three and nine months ended September 30, 2012, respectively.

⁽²⁾	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $10,300 million and $33,800 million for the three and nine months ended September 30, 2012, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	98		$	98		$	91		$	287		$	96		$	105		$	98		$	93		$	392
Net investment income		44			46			47			137			46			49			46			43			184
Net investment gains (losses)		(2	)		4			(5	)		(3	)		2			30			2			—			34
Insurance and investment product fees and other		—			—			—			—			1			—			1			—			2

Total revenues		140			148			133			421			145			184			147			136			612

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		46			53			138			237			43			51			47			42			183
Acquisition and operating expenses, net of deferrals		26			23			23			72			24			26			22			21			93
Amortization of deferred acquisition costs and intangibles		6			6			7			19			6			7			7			7			27
Interest expense		3			3			4			10			4			4			—			—			8

Total benefits and expenses		81			85			172			338			77			88			76			70			311


INCOME (LOSS) BEFORE INCOME TAXES		59			63			(39	)		83			68			96			71			66			301
Provision (benefit) for income taxes		4			16			(15	)		5			13			40			16			14			83

NET INCOME (LOSS)		55			47			(24	)		78			55			56			55			52			218
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		55			47			(24	)		78			55			56			55			52			218

ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		2			(3	)		3			2			(1	)		(20	)		(1	)		—			(22	)

NET OPERATING INCOME (LOSS)⁽¹⁾	$	57		$	44		$	(21	)	$	80		$	54		$	36		$	54		$	52		$	196


Effective tax rate (operating income (loss))		8.2	%		24.8	%		39.9	%		6.8	%		18.7	%		46.5	%		22.2	%		21.7	%		27.2	%

SALES:
New Insurance Written (NIW)
Flow	$	8,800		$	8,200		$	7,700		$	24,700		$	7,900		$	7,100		$	6,700		$	5,500		$	27,200
Bulk		—			300			300			600			1,100			100			2,300			1,000			4,500

Total Australia NIW⁽²⁾	$	8,800		$	8,500		$	8,000		$	25,300		$	9,000		$	7,200		$	9,000		$	6,500		$	31,700

⁽¹⁾	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $60 million and $85 million for the three and nine months ended September 30, 2012, respectively.

⁽²⁾	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $9,200 million and $25,500 million for the three and nine months ended September 30, 2012, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Loss and Sales—International Mortgage Insurance Segment—Other Countries

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	11		$	10		$	11		$	32		$	11		$	15		$	13		$	13		$	52
Net investment income		2			1			3			6			3			3			3			4			13
Net investment gains (losses)		—			6			1			7			(1	)		(1	)		1			1			—
Insurance and investment product fees and other		—			—			—			—			2			—			4			1			7

Total revenues		13			17			15			45			15			17			21			19			72

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			14			14			37			19			11			9			8			47
Acquisition and operating expenses, net of deferrals		8			9			10			27			8			12			12			12			44
Amortization of deferred acquisition costs and intangibles		1			—			—			1			—			—			—			—			—
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		18			23			24			65			27			23			21			20			91


LOSS BEFORE INCOME TAXES		(5	)		(6	)		(9	)		(20	)		(12	)		(6	)		—			(1	)		(19	)
Provision (benefit) for income taxes		1			(1	)		(1	)		(1	)		—			2			3			3			8

NET LOSS		(6	)		(5	)		(8	)		(19	)		(12	)		(8	)		(3	)		(4	)		(27	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—

NET LOSS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		(6	)		(5	)		(8	)		(19	)		(12	)		(8	)		(3	)		(4	)		(27	)

ADJUSTMENT TO NET LOSS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		1			(4	)		(1	)		(4	)		1			—			(1	)		—			—

NET OPERATING LOSS⁽¹⁾	$	(5	)	$	(9	)	$	(9	)	$	(23	)	$	(11	)	$	(8	)	$	(4	)	$	(4	)	$	(27	)


Effective tax rate (operating loss)		-0.6	%		26.7	%		10.1	%		14.2	%		-1.5	%		-40.9	%		NM	⁽³⁾		-113.4	%		-41.4	%

SALES:
New Insurance Written (NIW)
Flow	$	400		$	500		$	300		$	1,200		$	400		$	500		$	600		$	500		$	2,000
Bulk		—			—			—			—			300			300			300			200			1,100

Total Other Countries NIW⁽²⁾	$	400		$	500		$	300		$	1,200		$	700		$	800		$	900		$	700		$	3,100

⁽¹⁾	Net operating loss for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $(6) million and $(24) million for the three and nine months ended September 30, 2012, respectively.

⁽²⁾	New insurance written for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $500 million and $1,300 million for the three and nine months ended September 30, 2012, respectively.

⁽³⁾	“NM” is defined as not meaningful for percentages greater than 200%.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written
Canada	$	176		$	175		$	79		$	430		$	122		$	164		$	155		$	101		$	542
Australia		131			103			102			336			104			92			90			61			347
Other Countries⁽¹⁾		7			7			6			20			7			5			12			10			34

Total International Net Premiums Written	$	314		$	285		$	187		$	786		$	233		$	261		$	257		$	172		$	923

Loss Ratio⁽²⁾
Canada		30	%		32	%		38	%		33	%		40	%		36	%		33	%		38	%		37	%
Australia		47	%		54	%		154	%		83	%		46	%		48	%		48	%		45	%		47	%
Other Countries		97	%		129	%		128	%		119	%		165	%		85	%		59	%		62	%		91	%
Total International Loss Ratio		39	%		45	%		84	%		56	%		48	%		43	%		40	%		42	%		43	%

GAAP Basis Expense Ratio⁽³⁾
Canada		26	%		26	%		25	%		26	%		25	%		23	%		25	%		24	%		24	%
Australia		32	%		30	%		33	%		32	%		30	%		32	%		29	%		30	%		31	%
Other Countries⁽¹⁾		85	%		82	%		94	%		87	%		68	%		88	%		94	%		87	%		85	%
Total International GAAP Basis Expense Ratio		30	%		30	%		31	%		30	%		29	%		30	%		30	%		29	%		30	%

Adjusted Expense Ratio⁽⁴⁾
Canada		21	%		22	%		46	%		26	%		31	%		22	%		25	%		37	%		28	%
Australia		24	%		29	%		29	%		27	%		28	%		37	%		32	%		46	%		34	%
Other Countries⁽¹⁾		118	%		131	%		162	%		136	%		108	%		258	%		108	%		114	%		129	%
Total International Adjusted Expense Ratio		25	%		27	%		41	%		29	%		32	%		31	%		32	%		45	%		34	%

Primary Insurance In-Force
Canada	$	299,600		$	281,700		$	269,100					$	261,300		$	250,200		$	264,700		$	256,700
Australia		291,500			286,200			287,100						281,500			264,300			296,200			284,600
Other Countries		31,900			31,400			33,600						32,600			33,600			37,000			36,200

Total International Primary Insurance In-Force	$	623,000		$	599,300		$	589,800					$	575,400		$	548,100		$	597,900		$	577,500

Primary Risk In-Force⁽⁵⁾
Canada
Flow	$	81,300		$	76,600		$	76,200					$	74,000		$	70,600		$	74,400		$	72,200
Bulk		23,500			22,000			18,000						17,500			16,900			18,200			17,700

Total Canada		104,800			98,600			94,200						91,500			87,500			92,600			89,900

Australia
Flow		93,100			90,600			90,600						88,700			83,300			93,200			90,000
Bulk		9,000			9,600			9,900						9,800			9,200			10,500			9,600

Total Australia		102,100			100,200			100,500						98,500			92,500			103,700			99,600

Other Countries
Flow⁽¹⁾		3,900			3,900			4,200						4,100			4,400			4,800			4,700
Bulk		400			400			400						400			400			500			500

Total Other Countries		4,300			4,300			4,600						4,500			4,800			5,300			5,200

Total International Primary Risk In-Force	$	211,200		$	203,100		$	199,300					$	194,500		$	184,800		$	201,600		$	194,700

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

⁽¹⁾

Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe. Primary flow risk in-force excludes $183 million, $154 million, $134 million, $114 million and $92 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2012, June 30, 2012, March 31, 2012, December 31, 2011 and September 30, 2011, respectively.

⁽²⁾

The ratio of incurred losses and loss adjustment expense to net earned premiums. In determining the pricing of the mortgage insurance products, the company develops a pricing loss ratio which uses industry and company loss experience over a number of years, which incorporate both favorable and unfavorable economic environments, differing coverage levels and varying capital requirements. Actual results may vary from pricing loss ratios for a number of reasons, which include differing economic conditions and actual individual product and lender performance. New business pricing loss ratios for the international businesses were as follows for all periods: Canada 35%-40%, Australia 25%-35% and Europe 40%-45%.

⁽³⁾	The ratio of an insurer’s general expenses to net earned premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.

⁽⁴⁾	The ratio of an insurer’s general expenses to net premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.

⁽⁵⁾

The businesses in Australia and Canada currently provide 100% coverage on the majority of the loans the company insures in those markets. For the purpose of representing the risk in-force, the company has computed an “effective risk in-force” amount which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor that represents the highest expected average per-claim payment for any one underwriting year over the life of the businesses in Australia and Canada. This factor was 35% for all periods presented.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment—Canada

(dollar amounts in millions)


Primary Insurance	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
Insured loans in-force		1,483,111			1,452,408			1,371,140			1,362,092			1,346,546
Insured delinquent loans		2,183			2,408			2,623			2,752			2,868
Insured delinquency rate		0.15	%		0.17	%		0.19	%		0.20	%		0.21	%

Flow loans in-force		1,112,910			1,091,543			1,074,281			1,064,942			1,049,959
Flow delinquent loans		1,943			2,125			2,335			2,477			2,594
Flow delinquency rate		0.17	%		0.19	%		0.22	%		0.23	%		0.25	%

Bulk loans in-force		370,201			360,865			296,859			297,150			296,587
Bulk delinquent loans		240			283			288			275			274
Bulk delinquency rate		0.06	%		0.08	%		0.10	%		0.09	%		0.09	%

Loss Metrics	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
Beginning Reserves	$	141		$	149		$	161		$	142		$	174
Paid claims		(54	)		(54	)		(62	)		(64	)		(74	)
Increase in reserves		44			48			55			82			56
Impact of changes in foreign exchange rates		5			(2	)		(5	)		1			(14	)

Ending Reserves	$	136		$	141		$	149		$	161		$	142


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

Total		100	%		0.15	%		100	%		0.17	%		100	%		0.21	%


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

Total		100	%		0.15	%		100	%		0.17	%		100	%		0.21	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment—Canada

(Canadian dollar amounts in millions)


	2012											2011
	3Q			2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims
Flow	$	52		$	52		$	62		$	166	$	62		$	70		$	75		$	64		$	271
Bulk		2			2			2			6		3			2			2			1			8

Total Paid Claims	$	54		$	54		$	64		$	172	$	65		$	72		$	77		$	65		$	279

Average Paid Claim (in thousands)	$	80.9		$	76.7		$	73.0				$	80.6		$	80.5		$	82.3		$	77.0

Average Reserve Per Delinquency (in thousands)	$	61.1		$	59.4		$	56.6				$	57.7		$	51.5		$	51.0		$	56.2

Loss Metrics

Beginning Reserves	$	143		$	148		$	164				$	148		$	167		$	194		$	200
Paid claims		(54	)		(54	)		(64	)				(65	)		(72	)		(77	)		(65	)
Increase in reserves		45			49			48					81			53			50			59

Ending Reserves	$	134		$	143		$	148				$	164		$	148		$	167		$	194

Loan Amount

Over $550K		5	%		5	%		5	%				4	%		4	%		4	%		4	%
$400K to $550K		9			9			8					8			8			8			8
$250K to $400K		30			30			30					30			30			29			29
$100K to $250K		50			50			51					52			52			52			52
$100K or Less		6			6			6					6			6			7			7

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

Average Primary Loan Size (in thousands)	$	199		$	197		$	196				$	195		$	194		$	192		$	191

Average Effective Loan-To-Value Ratios By Policy Year⁽¹⁾

2006 and prior		40	%		41	%		42	%				44	%
2007		69	%		69	%		71	%				72	%
2008		73	%		74	%		76	%				76	%
2009		75	%		76	%		78	%				79	%
2010		82	%		83	%		85	%				86	%
2011		88	%		88	%		91	%				91	%
2012		91	%		91	%		—	%				—	%
Total Flow		56	%		56	%		57	%				58	%

Total Bulk		29	%		26	%		28	%				29	%

Total		50	%		50	%		51	%				52	%

All amounts presented in Canadian dollars.

⁽¹⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment—Australia

(dollar amounts in millions)


Primary Insurance	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
Insured loans in-force		1,440,397			1,449,648			1,442,867			1,437,380			1,428,328
Insured delinquent loans		6,791			7,527			7,837			7,874			8,464
Insured delinquency rate		0.47	%		0.52	%		0.54	%		0.55	%		0.59	%

Flow loans in-force		1,306,316			1,304,944			1,295,907			1,289,200			1,280,741
Flow delinquent loans		6,475			7,253			7,559			7,626			8,208
Flow delinquency rate		0.50	%		0.56	%		0.58	%		0.59	%		0.64	%

Bulk loans in-force		134,081			144,704			146,960			148,180			147,587
Bulk delinquent loans		316			274			278			248			256
Bulk delinquency rate		0.24	%		0.19	%		0.19	%		0.17	%		0.17	%

Loss Metrics	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
Beginning Reserves	$	320		$	342		$	272		$	247		$	248
Paid claims		(83	)		(72	)		(69	)		(32	)		(26	)
Increase in reserves		46			53			138			44			50
Impact of changes in foreign exchange rates		4			(3	)		1			13			(25	)

Ending Reserves	$	287		$	320		$	342		$	272		$	247



	September 30, 2012						June 30, 2012						September 30, 2011
State and Territory	% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate
New South Wales		30	%		0.45	%		30	%		0.50	%		31	%		0.60	%
Victoria		23			0.34	%		23			0.36	%		23			0.42	%
Queensland		23			0.69	%		23			0.76	%		22			0.84	%
Western Australia		11			0.46	%		11			0.52	%		11			0.59	%
South Australia		6			0.51	%		6			0.56	%		6			0.52	%
New Zealand		2			0.64	%		2			0.81	%		2			1.12	%
Australian Capital Territory		2			0.11	%		2			0.08	%		2			0.14	%
Tasmania		2			0.41	%		2			0.41	%		2			0.40	%
Northern Territory		1			0.18	%		1			0.26	%		1			0.27	%

Total		100	%		0.47	%		100	%		0.52	%		100	%		0.59	%

By Policy Year
2004 and prior		23	%		0.13	%		23	%		0.14	%		25	%		0.16	%
2005		7			0.52	%		8			0.56	%		8			0.58	%
2006		10			0.72	%		10			0.77	%		11			0.85	%
2007		11			0.96	%		12			1.03	%		13			1.22	%
2008		10			1.19	%		11			1.33	%		12			1.50	%
2009		12			0.80	%		13			0.89	%		14			0.83	%
2010		9			0.34	%		9			0.33	%		10			0.18	%
2011		9			0.15	%		9			0.10	%		7			0.01	%
2012		9			0.02	%		5			0.01	%		—			—	%

Total		100	%		0.47	%		100	%		0.52	%		100	%		0.59	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment—Australia

(Australian dollar amounts in millions)


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

Total Paid Claims	$	80		$	70		$	66		$	216	$	31		$	25		$	30		$	26		$	112


Average Paid Claim (in thousands)	$	83.5		$	91.2		$	77.1				$	64.6		$	62.4		$	75.9		$	71.2

Average Reserve Per Delinquency (in thousands)	$	40.8		$	41.5		$	42.2				$	33.7		$	30.0		$	28.2		$	28.5

Loss Metrics

Beginning Reserves	$	312		$	331		$	266				$	255		$	232		$	216		$	201
Paid claims		(80	)		(70	)		(66	)				(31	)		(25	)		(30	)		(26	)
Increase in reserves		45			51			131					42			48			46			41

Ending Reserves	$	277		$	312		$	331				$	266		$	255		$	232		$	216

Loan Amount

Over $550K		11	%		11	%		11	%				11	%		11	%		11	%		11	%
$400K to $550K		16			16			15					15			15			14			14
$250K to $400K		37			36			36					36			36			36			36
$100K to $250K		30			30			31					31			31			32			32
$100K or Less		6			7			7					7			7			7			7

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


Average Primary Loan Size (in thousands)	$	195		$	193		$	192				$	191		$	191		$	190		$	189

Average Effective Loan-To-Value Ratios By Policy Year⁽¹⁾

2006 and prior		49	%		49	%		48	%				49	%
2007		69	%		69	%		67	%				68	%
2008		77	%		77	%		74	%				74	%
2009		80	%		80	%		78	%				79	%
2010		86	%		86	%		85	%				85	%
2011		88	%		88	%		86	%				86	%
2012		86	%		86	%		—	%				—	%
Total Flow		68	%		68	%		66	%				66	%

Total Bulk		38	%		38	%		38	%				37	%

Total		65	%		65	%		63	%				62	%

All amounts presented in Australian dollars.

⁽¹⁾

Loan amounts (including capitalized premiums) reflect interest rates at time of loan origination and estimated scheduled principal repayments since loan origination. Home price estimates based on regional home price appreciation/depreciation data from RP Data (except Tasmania which is from the Australian Bureau of Statistics prior to 2Q12). All data used in the effective loan-to-value ratio calculation reflects conditions as of the end of the previous quarter. Effective loan-to-value ratios exclude New Zealand and inward reinsurance policies.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Key Performance Measures—International Mortgage Insurance Segment

(amounts in millions)


Risk In-Force by Loan-To-Value Ratio⁽¹⁾	September 30, 2012						June 30, 2012
	Primary		Flow		Bulk		Primary		Flow		Bulk
Canada
95.01% and above	$	35,760	$	35,760	$	—	$	33,395	$	33,395	$	—
90.01% to 95.00%		25,825		25,822		3		24,547		24,545		3
80.01% to 90.00%		18,911		16,681		2,229		17,732		15,721		2,012
80.00% and below		24,353		3,056		21,297		22,909		2,893		20,016

Total Canada	$	104,849	$	81,319	$	23,529	$	98,584	$	76,554	$	22,030

Australia
95.01% and above	$	18,192	$	18,191	$	1	$	17,391	$	17,391	$	1
90.01% to 95.00%		22,536		22,528		8		21,717		21,709		9
80.01% to 90.00%		26,306		26,214		91		25,681		25,587		94
80.00% and below		35,008		26,138		8,870		35,397		25,939		9,458

Total Australia	$	102,042	$	93,072	$	8,970	$	100,187	$	90,626	$	9,562

Other Countries⁽²⁾
95.01% and above	$	737	$	737	$	—	$	742	$	742	$	—
90.01% to 95.00%		2,023		1,961		62		1,983		1,919		63
80.01% to 90.00%		1,283		1,010		273		1,289		1,005		284
80.00% and below		249		213		36		273		236		37

Total Other Countries	$	4,293	$	3,921	$	372	$	4,286	$	3,902	$	384

Amounts may not total due to rounding.

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

⁽²⁾	Other Countries flow and primary risk in-force exclude $183 million and $154 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2012 and June 30, 2012, respectively.

U.S. Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	136		$	137		$	137		$	410		$	140		$	140		$	142		$	142		$	564
Net investment income		20			13			23			56			16			29			26			33			104
Net investment gains (losses)		(2	)		—			27			25			42			2			1			1			46
Insurance and investment product fees and other		—			20			2			22			3			—			1			1			5

Total revenues		154			170			189			513			201			171			170			177			719

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		174			174			197			545			269			251			526			279			1,325
Acquisition and operating expenses, net of deferrals		40			33			34			107			35			41			41			39			156
Amortization of deferred acquisition costs and intangibles		1			2			1			4			1			1			1			2			5

Total benefits and expenses		215			209			232			656			305			293			568			320			1,486

LOSS BEFORE INCOME TAXES		(61	)		(39	)		(43	)		(143	)		(104	)		(122	)		(398	)		(143	)		(767	)
Benefit for income taxes		(23	)		(14	)		(17	)		(54	)		(35	)		(45	)		(144	)		(60	)		(284	)

NET LOSS		(38	)		(25	)		(26	)		(89	)		(69	)		(77	)		(254	)		(83	)		(483	)

ADJUSTMENT TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		—			—			(17	)		(17	)		(27	)		(2	)		(1	)		—			(30	)

NET OPERATING LOSS	$	(38	)	$	(25	)	$	(43	)	$	(106	)	$	(96	)	$	(79	)	$	(255	)	$	(83	)	$	(513	)


Effective tax rate (operating loss)		37.2	%		37.0	%		37.4	%		37.2	%		33.9	%		37.2	%		36.0	%		42.2	%		36.9	%

SALES:
New Insurance Written (NIW)
Flow	$	4,700		$	3,600		$	3,000		$	11,300		$	3,200		$	2,700		$	1,900		$	2,000		$	9,800
Bulk		—			—			—			—			—			—			—			400			400

Total U.S. Mortgage Insurance NIW	$	4,700		$	3,600		$	3,000		$	11,300		$	3,200		$	2,700		$	1,900		$	2,400		$	10,200

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Other Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	132		$	139		$	142		$	413		$	143		$	143		$	145		$	142		$	573

New Risk Written
Flow	$	1,130		$	843		$	688		$	2,661		$	710		$	653		$	461		$	439		$	2,263
Bulk		—			—			7			7			1			—			—			27			28

Total Primary		1,130			843			695			2,668			711			653			461			466			2,291
Pool		—			—			—			—			—			—			—			—			—

Total New Risk Written	$	1,130		$	843		$	695		$	2,668		$	711		$	653		$	461		$	466		$	2,291


Primary Insurance In-Force	$	111,100		$	112,000		$	113,800					$	116,500		$	119,200		$	120,900		$	123,300

Risk In-Force
Flow	$	25,849		$	25,887		$	26,137					$	26,660		$	27,206		$	27,489		$	27,984
Bulk		507			514			520						520			534			540			559

Total Primary		26,356			26,401			26,657						27,180			27,740			28,029			28,543
Pool		221			229			239						249			271			278			288

Total Risk In-Force	$	26,577		$	26,630		$	26,896					$	27,429		$	28,011		$	28,307		$	28,831


Primary Risk In-Force Subject To Captives		15	%		27	%		31	%					33	%		36	%		38	%		41	%

Primary Risk In-Force That Is GSE Conforming		97	%		96	%		96	%					96	%		96	%		96	%		96	%

GAAP Basis Expense Ratio⁽¹⁾		30	%		26	%		26	%		27	%		26	%		30	%		29	%		29	%		29	%

Adjusted Expense Ratio⁽²⁾		31	%		25	%		25	%		27	%		26	%		30	%		29	%		29	%		28	%

Flow Persistency		81	%		82	%		81	%					81	%		86	%		86	%		86	%

Gross Written Premiums Ceded To Captives/Total Direct Written Premiums		8	%		10	%		12	%					13	%		14	%		15	%		17	%

Risk To Capital Ratio⁽³⁾		29.8:1			29.5:1			28.6:1						28.8:1			27.5:1			25.0:1			25.0:1

Average Primary Loan Size (in thousands)	$	166		$	165		$	164					$	163		$	163		$	162		$	162

Estimated Savings For Loss Mitigation Activities⁽⁴⁾	$	189		$	162		$	158		$	509		$	147		$	168		$	130		$	122		$	567

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

⁽¹⁾	The ratio of an insurer’s general expenses to net earned premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals and amortization of DAC and intangibles.

⁽²⁾	The ratio of an insurer’s general expenses to net written premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals and amortization of DAC and intangibles.

⁽³⁾

Certain states limit a private mortgage insurer’s risk in-force to 25 times the total of the insurer’s policyholders’ surplus plus the statutory contingency reserve, commonly known as the “risk to capital” requirement. The U.S. mortgage insurance business maintains new business writing flexibility in all states, supported by risk-to-capital waivers or existing authority to write new business in 44 states in its primary writing entity, with the remaining six states written out of other available entities. The current period risk to capital ratio is an estimate due to the timing of the filing of statutory statements and is prepared consistent with the presentation of the statutory financial statements in the combined annual statement of the U.S. mortgage insurance business.

⁽⁴⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Loss Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Paid Claims
Flow
Direct	$	272		$	295		$	283		$	850		$	240		$	256		$	239		$	315		$	1,050
Assumed⁽¹⁾		19			23			20			62			26			25			32			30			113
Ceded		(25	)		(55	)		(39	)		(119	)		(45	)		(39	)		(83	)		(109	)		(276	)
Loss adjustment expenses		7			7			9			23			10			11			11			13			45

Total Flow		273			270		$	273			816			231			253			199			249			932
Bulk		3			6			4			13			6			(2	)		3			3			10

Total Primary		276			276			277			829			237			251			202			252			942
Pool		1			2			2			5			1			1			1			1			4

Total Paid Claims	$	277		$	278		$	279		$	834		$	238		$	252		$	203		$	253		$	946

Average Paid Claim (in thousands)	$	41.1		$	38.3		$	43.6					$	41.0		$	46.9		$	40.8		$	39.7

Average Direct Paid Claim (in thousands)⁽²⁾	$	41.7		$	42.5		$	42.7					$	43.2		$	49.1		$	49.7		$	50.8

Average Reserve Per Delinquency (in thousands)
Flow	$	30.0		$	30.6		$	30.6					$	29.1		$	28.8		$	29.2		$	25.4
Bulk loans with established reserve		24.3			25.0			24.1						24.2			24.0			23.7			19.9
Bulk loans with no reserve⁽³⁾		—			—			—						—			—			—			—
Reserves:
Flow direct case	$	1,835		$	1,954		$	2,087					$	2,199		$	2,227		$	2,256		$	1,995
Bulk direct case		33			32			34						36			36			35			34
Assumed⁽¹⁾		50			53			60						60			64			64			67
All other⁽⁴⁾		196			195			200						193			159			151			124

Total Reserves	$	2,114		$	2,234		$	2,381					$	2,488		$	2,486		$	2,506		$	2,220


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

Ending Reserves	$	2,114		$	2,234		$	2,381		$	2,114		$	2,488		$	2,486		$	2,506		$	2,220		$	2,488


Beginning Reinsurance Recoverable⁽⁵⁾	$	111		$	153		$	178		$	178		$	207		$	226		$	264		$	351		$	351
Ceded paid claims		(25	)		(55	)		(39	)		(119	)		(44	)		(40	)		(83	)		(109	)		(276	)
Increase in recoverable		8			13			14			35			15			21			45			22			103

Ending Reinsurance Recoverable	$	94		$	111		$	153		$	94		$	178		$	207		$	226		$	264		$	178

Loss Ratio⁽⁶⁾		129	%		127	%		144	%		133	%		189	%		181	%		369	%		197	%		234	%

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

⁽¹⁾	Assumed is comprised of reinsurance arrangements with state governmental housing finance agencies.

⁽²⁾	Average direct paid claim excludes loss adjustment expenses, the impact of reinsurance and a negotiated servicer settlement.

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

⁽⁴⁾	Other includes loss adjustment expenses, pool and incurred but not reported reserves.

⁽⁵⁾	Reinsurance recoverable excludes ceded unearned premium recoveries and amounts for which cash proceeds have not yet been received.

⁽⁶⁾	The ratio of incurred losses to net earned premiums. Excluding the lender portfolio settlement in the first quarter of 2012, the loss ratio was 137% for the three months ended March 31, 2012, 132% for the six months ended June 30, 2012 and 131% for the nine months ended September 30, 2012.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Delinquency Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Number of Primary Delinquencies
Flow		69,174			71,878			76,478						83,931			84,910			84,442			85,758
Bulk loans with an established reserve		1,441			1,381			1,522						1,592			1,604			1,569			1,814
Bulk loans with no reserve⁽¹⁾		1,512			1,424			1,474						1,484			1,506			1,453			1,446

Total Number of Primary Delinquencies		72,127			74,683			79,474						87,007			88,020			87,464			89,018

Beginning Number of Primary Delinquencies		74,683			79,474			87,007			87,007			88,020			87,464			89,018			95,395			95,395
New delinquencies		17,733			16,703			18,217			52,653			22,094			23,493			21,272			23,866			90,725
Delinquency cures		(13,598	)		(14,251	)		(19,388	)		(47,237	)		(17,357	)		(17,595	)		(17,908	)		(23,908	)		(76,768	)
Paid claims		(6,691	)		(7,243	)		(6,362	)		(20,296	)		(5,750	)		(5,342	)		(4,918	)		(6,335	)		(22,345	)

Ending Number of Primary Delinquencies		72,127			74,683			79,474			72,127			87,007			88,020			87,464			89,018			87,007

Composition of Cures
Reported delinquent and cured-intraquarter		2,882			2,354			3,582						2,851			3,181			2,670			5,195
Number of missed payments delinquent prior to cure:
3 payments or less		6,289			7,399			10,154						8,835			8,520			8,953			11,454
4 - 11 payments		2,965			3,371			3,569						3,408			3,584			4,146			5,183
12 payments or more		1,462			1,127			2,083						2,263			2,310			2,139			2,076

Total		13,598			14,251			19,388						17,357			17,595			17,908			23,908

Primary Delinquencies by Missed Payment Status
3 payments or less		17,684			16,708			17,260						22,165			22,444			21,125			20,920
4 - 11 payments		18,713			20,830			24,137						25,334			25,055			26,969			31,070
12 payments or more		35,730			37,145			38,077						39,508			40,521			39,370			37,028

Primary Delinquencies		72,127			74,683			79,474						87,007			88,020			87,464			89,018


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

Total		69,174	$	1,835	$	3,123	59%


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

Total		83,931	$	2,199	$	3,780	58%

⁽¹⁾	Reserves were not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.

⁽²⁾	Direct flow case reserves exclude loss adjustment expenses, incurred but not reported and reinsurance reserves.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment


	2012									2011
	3Q			2Q			1Q			4Q			3Q			2Q			1Q
Risk In-Force by Credit Quality⁽¹⁾
Primary by FICO Scores >679		69	%		68	%		68	%		67	%		67	%		67	%		66	%
Primary by FICO Scores 620-679		25	%		25	%		25	%		26	%		26	%		26	%		27	%
Primary by FICO Scores 575-619		5	%		5	%		5	%		5	%		5	%		5	%		5	%
Primary by FICO Scores <575		1	%		2	%		2	%		2	%		2	%		2	%		2	%

Flow by FICO Scores >679		68	%		68	%		67	%		67	%		67	%		66	%		66	%
Flow by FICO Scores 620-679		25	%		25	%		26	%		26	%		26	%		27	%		27	%
Flow by FICO Scores 575-619		5	%		5	%		5	%		5	%		5	%		5	%		5	%
Flow by FICO Scores <575		2	%		2	%		2	%		2	%		2	%		2	%		2	%

Bulk by FICO Scores >679		89	%		89	%		89	%		89	%		89	%		89	%		89	%
Bulk by FICO Scores 620-679		9	%		9	%		9	%		9	%		9	%		9	%		9	%
Bulk by FICO Scores 575-619		1	%		1	%		1	%		1	%		1	%		1	%		1	%
Bulk by FICO Scores <575		1	%		1	%		1	%		1	%		1	%		1	%		1	%

Primary A minus		4	%		4	%		4	%		5	%		5	%		5	%		5	%
Primary sub-prime⁽²⁾		5	%		5	%		5	%		5	%		5	%		5	%		5	%

Primary Loans
Primary loans in-force		669,618			679,817			693,807			714,467			733,383			746,740			763,439
Primary delinquent loans		72,127			74,683			79,474			87,007			88,020			87,464			89,018
Primary delinquency rate		10.77	%		10.99	%		11.45	%		12.18	%		12.00	%		11.71	%		11.66	%

Flow loans in-force		601,851			607,133			616,623			633,246			648,242			658,251			673,276
Flow delinquent loans		69,174			71,878			76,478			83,931			84,910			84,442			85,758
Flow delinquency rate		11.49	%		11.84	%		12.40	%		13.25	%		13.10	%		12.83	%		12.74	%

Bulk loans in-force		67,767			72,684			77,184			81,221			85,141			88,489			90,163
Bulk delinquent loans		2,953			2,805			2,996			3,076			3,110			3,022			3,260
Bulk delinquency rate		4.36	%		3.86	%		3.88	%		3.79	%		3.65	%		3.42	%		3.62	%

A minus and sub-prime loans in-force		60,742			63,230			65,833			68,487			71,097			73,211			75,421
A minus and sub-prime delinquent loans		16,287			16,796			17,680			19,884			20,347			20,284			20,656
A minus and sub-prime delinquency rate		26.81	%		26.56	%		26.86	%		29.03	%		28.62	%		27.71	%		27.39	%

Pool Loans
Pool loans in-force		13,237			13,562			13,942			14,418			16,574			16,943			17,421
Pool delinquent loans		670			679			695			778			957			931			913
Pool delinquency rate		5.06	%		5.01	%		4.98	%		5.40	%		5.77	%		5.49	%		5.24	%

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

⁽²⁾	Excludes loans classified as A minus.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment


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

Total		100	%		100	%		10.77	%		100	%		100	%		10.99	%		100	%		100	%		12.00	%


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

⁽¹⁾	Total reserves were $2,114 million, $2,234 million and $2,486 million as of September 30, 2012, June 30, 2012 and September 30, 2011, respectively.

⁽²⁾	Alabama, Arkansas, Florida, Georgia, Mississippi, North Carolina, South Carolina and Tennessee.

⁽³⁾	Arizona, Colorado, Louisiana, New Mexico, Oklahoma, Texas and Utah.

⁽⁴⁾	New Jersey, New York and Pennsylvania.

⁽⁵⁾	Illinois, Minnesota, Missouri and Wisconsin.

⁽⁶⁾	Alaska, California, Hawaii, Nevada, Oregon and Washington.

⁽⁷⁾	Indiana, Kentucky, Michigan and Ohio.

⁽⁸⁾	Connecticut, Maine, Massachusetts, New Hampshire, Rhode Island and Vermont.

⁽⁹⁾	Delaware, Maryland, Virginia, Washington D.C. and West Virginia.

⁽¹⁰⁾	Idaho, Iowa, Kansas, Montana, Nebraska, North Dakota, South Dakota and Wyoming.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(amounts in millions)


Primary Risk In-Force:	September 30, 2012		% of Total			June 30, 2012		% of Total			September 30, 2011		% of Total
Lender concentration (by original applicant)	$	26,356				$	26,401				$	27,740
Top 10 lenders		12,950					12,969					13,774
Top 20 lenders		14,692					14,778					15,717

Loan-to-value ratio
95.01% and above	$	7,136		27	%	$	6,955		26	%	$	6,960		25	%
90.01% to 95.00%		9,318		35			9,308		35			9,712		35
80.01% to 90.00%		9,459		36			9,692		37			10,595		38
80.00% and below		443		2			446		2			473		2

Total	$	26,356		100	%	$	26,401		100	%	$	27,740		100	%

Loan grade
Prime	$	24,078		91	%	$	24,032		91	%	$	25,087		90	%
A minus and sub-prime		2,278		9			2,369		9			2,653		10

Total	$	26,356		100	%	$	26,401		100	%	$	27,740		100	%

Loan type⁽¹⁾
First mortgages
Fixed rate mortgage
Flow	$	25,403		96	%	$	25,416		96	%	$	26,657		96	%
Bulk		488		2			495		2			513		2
Adjustable rate mortgage
Flow		446		2			471		2			549		2
Bulk		19		—			19		—			21		—
Second mortgages		—		—			—		—			—		—

Total	$	26,356		100	%	$	26,401		100	%	$	27,740		100	%

Type of documentation
Alt-A
Flow	$	631		2	%	$	671		3	%	$	777		3	%
Bulk		36		—			37		—			39		—
Standard⁽²⁾
Flow		25,218		96			25,216		95			26,429		95
Bulk		471		2			477		2			495		2

Total	$	26,356		100	%	$	26,401		100	%	$	27,740		100	%

Mortgage term
15 years and under	$	724		3	%	$	643		2	%	$	490		2	%
More than 15 years		25,632		97			25,758		98			27,250		98

Total	$	26,356		100	%	$	26,401		100	%	$	27,740		100	%

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

⁽²⁾

Standard includes loans with reduced or different documentation requirements that meet specifications of GSE or other lender proprietary approved underwriting systems, and other reduced documentation programs, with historical and expected delinquency rates at origination consistent with historical and expected delinquency rates of the company’s standard portfolio.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


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

Total		5.73	%		100.0	%	$	111,124		100.0	%	$	26,356		100.0	%


Occupancy and Property Type	September 30, 2012			June 30, 2012
Occupancy Status % of Primary Risk In-Force
Primary residence		94.0	%		94.0	%
Second home		3.6			3.7
Non-owner occupied		2.4			2.3

Total		100.0	%		100.0	%

Property Type % of Primary Risk In-Force
Single family detached		86.7	%		86.6	%
Condominium and co-operative		11.2			11.3
Multi-family and other		2.1			2.1

Total		100.0	%		100.0	%

⁽¹⁾	Average Annual Mortgage Interest Rate

⁽²⁾	Total reserves were $2,114 million as of September 30, 2012.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(amounts in billions)


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

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

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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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

(dollar amounts in millions)


	September 30, 2012			June 30, 2012			September 30, 2011
GSE Alt-A
Risk in-force	$	24		$	25		$	26
Average FICO score		732			732			732
Loan-to-value ratio		80	%		80	%		81	%
Standard documentation⁽¹⁾		13	%		12	%		12	%
Stop loss		100	%		100	%		100	%
Deductible		—	%		—	%		—	%

FHLB
Risk in-force	$	420		$	424		$	441
Average FICO score		757			758			757
Loan-to-value ratio		71	%		71	%		75	%
Standard documentation⁽¹⁾		97	%		97	%		97	%
Stop loss		95	%		95	%		94	%
Deductible		100	%		100	%		100	%

Other
Risk in-force	$	63		$	65		$	67
Average FICO score		695			696			690
Loan-to-value ratio		89	%		89	%		92	%
Standard documentation⁽¹⁾		96	%		96	%		96	%
Stop loss		—	%		1	%		6	%
Deductible		—	%		—	%		—	%
Total Bulk Risk In-Force	$	507		$	514		$	534

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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


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

2004 Total	$	2.5		$	0.4	$	123	$	1	$	0.4	$	121	$	2	$	0.5	$	126	$	2


2005			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1
2005			50%-75%		—		—				—		—				—		—
2005			75%-99%		—		—				—		—				—		—
2005			Attached		0.6		283				0.7		277				0.8		287

2005 Total	$	2.1		$	0.6	$	284		4	$	0.7	$	278		4	$	0.8	$	288		4


2006			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1
2006			50%-75%		—		1				—		—				—		—
2006			75%-99%		—		—				—		1				—		1
2006			Attached		0.6		374				0.7		367				0.8		379

2006 Total	$	1.9		$	0.6	$	376		—	$	0.7	$	369		1	$	0.8	$	381		—


2007			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1
2007			50%-75%		—		—				—		—				—		—
2007			75%-99%		—		—				—		—				—		—
2007			Attached		1.2		698				1.3		685				1.5		686

2007 Total	$	2.8		$	1.2	$	699		2	$	1.3	$	686		4	$	1.5	$	687		5


2008			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1
2008			50%-75%		—		2				—		2				—		2
2008			75%-99%		—		1				—		—				0.2		13
2008			Attached		0.5		162				0.6		157				0.7		173

2008 Total	$	1.1		$	0.5	$	166		1	$	0.6	$	160		2	$	0.9	$	189		3




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

⁽¹⁾

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

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

⁽³⁾	Original book risk in-force and ever-to-date incurred losses include amounts for active captive books only.

Corporate and Runoff Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Corporate and Runoff Division

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1		$	2		$	1		$	4		$	2		$	89		$	84		$	85		$	260
Net investment income		37			52			38			127			49			35			55			33			172
Net investment gains (losses)		1			(25	)		7			(17	)		(36	)		(170	)		(14	)		(14	)		(234	)
Insurance and investment product fees and other		87			75			73			235			142			68			63			66			339

Total revenues		126			104			119			349			157			22			188			170			537

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			14			1			24			1			86			69			78			234
Interest credited		33			34			33			100			32			34			34			35			135
Acquisition and operating expenses, net of deferrals		52			49			49			150			49			49			46			48			192
Amortization of deferred acquisition costs and intangibles		21			20			(1	)		40			5			35			23			19			82
Goodwill Impairment		—			—			—			—			29			—			—			—			29
Interest expense		82			85			62			229			82			82			87			82			333

Total benefits and expenses		197			202			144			543			198			286			259			262			1,005

LOSS BEFORE INCOME TAXES		(71	)		(98	)		(25	)		(194	)		(41	)		(264	)		(71	)		(92	)		(468	)
Provision (benefit) for income taxes		(32	)		(33	)		(15	)		(80	)		(48	)		(100	)		11			(17	)		(154	)

NET INCOME (LOSS)		(39	)		(65	)		(10	)		(114	)		7			(164	)		(82	)		(75	)		(314	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		—			15			(4	)		11			22			101			8			7			138
Goodwill impairment, net of taxes		—			—			—			—			19			—			—			—			19
Gain on sale of business, net of taxes		—			—			—			—			(36	)		—			—			—			(36	)

NET OPERATING INCOME (LOSS)	$	(39	)	$	(50	)	$	(14	)	$	(103	)	$	12		$	(63	)	$	(74	)	$	(68	)	$	(193	)


Effective tax rate (operating income (loss))		43.3	%		34.0	%		57.5	%		41.8	%		120.9	%		43.1	%		-22.7	%		15.5	%		37.3	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Corporate and Runoff Division

(amounts in millions)


Three months ended September 30, 2012	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	1		$	—		$	1
Net investment income		34			3			37
Net investment gains (losses)		5			(4	)		1
Insurance and investment product fees and other		52			35			87

Total revenues		92			34			126

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			—			9
Interest credited		33			—			33
Acquisition and operating expenses, net of deferrals		18			34			52
Amortization of deferred acquisition costs and intangibles		18			3			21
Interest expense		—			82			82

Total benefits and expenses		78			119			197

INCOME (LOSS) BEFORE INCOME TAXES		14			(85	)		(71	)
Provision (benefit) for income taxes		3			(35	)		(32	)

NET INCOME (LOSS)		11			(50	)		(39	)

ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		(2	)		2			—

NET OPERATING INCOME (LOSS)	$	9		$	(48	)	$	(39	)


Effective tax rate (operating income (loss))		19.0	%		40.1	%		43.3	%
Three months ended September 30, 2011	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	89		$	—		$	89
Net investment income		33			2			35
Net investment gains (losses)		(159	)		(11	)		(170	)
Insurance and investment product fees and other		55			13			68

Total revenues		18			4			22

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		86			—			86
Interest credited		34			—			34
Acquisition and operating expenses, net of deferrals		35			14			49
Amortization of deferred acquisition costs and intangibles		32			3			35
Interest expense		—			82			82

Total benefits and expenses		187			99			286

LOSS BEFORE INCOME TAXES		(169	)		(95	)		(264	)
Benefit for income taxes		(70	)		(30	)		(100	)

NET LOSS		(99	)		(65	)		(164	)

ADJUSTMENT TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		92			9			101

NET OPERATING LOSS	$	(7	)	$	(56	)	$	(63	)


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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss)—Corporate and Runoff Division

(amounts in millions)


Nine months ended September 30, 2012	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	4		$	—		$	4
Net investment income		108			19			127
Net investment gains (losses)		22			(39	)		(17	)
Insurance and investment product fees and other		155			80			235

Total revenues		289			60			349

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		24			—			24
Interest credited		100			—			100
Acquisition and operating expenses, net of deferrals		58			92			150
Amortization of deferred acquisition costs and intangibles		31			9			40
Interest expense		1			228			229

Total benefits and expenses		214			329			543

INCOME (LOSS) BEFORE INCOME TAXES		75			(269	)		(194	)
Provision (benefit) for income taxes		23			(103	)		(80	)

NET INCOME (LOSS)		52			(166	)		(114	)

ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		(14	)		25			11

NET OPERATING INCOME (LOSS)	$	38		$	(141	)	$	(103	)


Effective tax rate (operating income (loss))		28.6	%		38.7	%		41.8	%
Nine months ended September 30, 2011	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	258		$	—		$	258
Net investment income		104			19			123
Net investment gains (losses)		(170	)		(28	)		(198	)
Insurance and investment product fees and other		171			26			197

Total revenues		363			17			380

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		233			—			233
Interest credited		103			—			103
Acquisition and operating expenses, net of deferrals		118			25			143
Amortization of deferred acquisition costs and intangibles		68			9			77
Interest expense		1			250			251

Total benefits and expenses		523			284			807

LOSS BEFORE INCOME TAXES		(160	)		(267	)		(427	)
Benefit for income taxes		(75	)		(31	)		(106	)

NET LOSS		(85	)		(236	)		(321	)

ADJUSTMENT TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		97			19			116

NET OPERATING INCOME (LOSS)	$	12		$	(217	)	$	(205	)


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

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

Runoff Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Income (Loss) and Sales—Runoff Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1		$	2		$	1		$	4		$	2		$	89		$	84		$	85		$	260
Net investment income		34			36			38			108			36			33			37			34			140
Net investment gains (losses)		5			(25	)		42			22			(4	)		(159	)		(11	)		—			(174	)
Insurance and investment product fees and other		52			51			52			155			128			55			57			59			299

Total revenues		92			64			133			289			162			18			167			178			525

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			14			1			24			1			86			69			78			234
Interest credited		33			34			33			100			32			34			34			35			135
Acquisition and operating expenses, net of deferrals		18			21			19			58			24			35			37			46			142
Amortization of deferred acquisition costs and intangibles		18			17			(4	)		31			2			32			20			16			70
Interest expense		—			1			—			1			1			—			1			—			2

Total benefits and expenses		78			87			49			214			60			187			161			175			583

INCOME (LOSS) BEFORE INCOME TAXES		14			(23	)		84			75			102			(169	)		6			3			(58	)
Provision (benefit) for income taxes		3			(2	)		22			23			54			(70	)		(6	)		1			(21	)

NET INCOME (LOSS)		11			(21	)		62			52			48			(99	)		12			2			(37	)
ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		(2	)		15			(27	)		(14	)		3			92			6			(1	)		100
Gain on sale of business, net of taxes		—			—			—			—			(36	)		—			—			—			(36	)

NET OPERATING INCOME (LOSS)	$	9		$	(6	)	$	35		$	38		$	15		$	(7	)	$	18		$	1		$	27


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

⁽¹⁾	“NM” is defined as not meaningful for percentages greater than 200%.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Selected Operating Performance Measures—Runoff Segment

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Variable Annuities:
Income Distribution Series
Account value, beginning of the period	$	6,229		$	6,398		$	6,265		$	6,265		$	6,148		$	6,606		$	6,687		$	6,590		$	6,590
Deposits		17			20			26			63			23			30			33			117			203
Surrenders, benefits and product charges		(184	)		(168	)		(174	)		(526	)		(159	)		(171	)		(171	)		(185	)		(686	)

Net flows		(167	)		(148	)		(148	)		(463	)		(136	)		(141	)		(138	)		(68	)		(483	)
Interest credited and investment performance		199			(21	)		281			459			253			(317	)		57			165			158

Account value, end of the period		6,261			6,229			6,398			6,261			6,265			6,148			6,606			6,687			6,265

Traditional Variable Annuities
Account value, net of reinsurance, beginning of the period		1,703			1,819			1,766			1,766			1,735			2,012			2,096			2,078			2,078
Deposits		4			3			3			10			3			4			3			17			27
Surrenders, benefits and product charges		(72	)		(81	)		(89	)		(242	)		(82	)		(73	)		(100	)		(88	)		(343	)

Net flows		(68	)		(78	)		(86	)		(232	)		(79	)		(69	)		(97	)		(71	)		(316	)
Interest credited and investment performance		80			(38	)		139			181			110			(208	)		13			89			4

Account value, net of reinsurance, end of the period		1,715			1,703			1,819			1,715			1,766			1,735			2,012			2,096			1,766

Variable Life Insurance
Account value, beginning of the period		293			305			284			284			272			314			319			313			313
Deposits		2			2			3			7			2			3			3			3			11
Surrenders, benefits and product charges		(12	)		(10	)		(8	)		(30	)		(8	)		(12	)		(11	)		(11	)		(42	)

Net flows		(10	)		(8	)		(5	)		(23	)		(6	)		(9	)		(8	)		(8	)		(31	)
Interest credited and investment performance		11			(4	)		26			33			18			(33	)		3			14			2

Account value, end of the period		294			293			305			294			284			272			314			319			284

Total Variable Annuities	$	8,270		$	8,225		$	8,522		$	8,270		$	8,315		$	8,155		$	8,932		$	9,102		$	8,315


Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements:
Account value, beginning of period	$	2,221		$	2,594		$	2,623		$	2,623		$	2,717		$	3,043		$	3,317		$	3,717		$	3,717
Deposits		84			—			—			84
Surrenders and benefits		(26	)		(385	)		(55	)		(466	)		(111	)		(341	)		(312	)		(435	)		(1,199	)

Net flows		58			(385	)		(55	)		(382	)		(111	)		(341	)		(312	)		(435	)		(1,199	)
Interest credited		17			18			21			56			21			24			28			33			106
Foreign currency translation		1			(6	)		5			—			(4	)		(9	)		10			2			(1	)

Account value, end of period	$	2,297		$	2,221		$	2,594		$	2,297		$	2,623		$	2,717		$	3,043		$	3,317		$	2,623

Corporate and Other

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Net Operating Loss—Corporate and Other⁽¹⁾

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		3			16			—			19			13			2			18			(1	)		32
Net investment gains (losses)		(4	)		—			(35	)		(39	)		(32	)		(11	)		(3	)		(14	)		(60	)
Insurance and investment product fees and other		35			24			21			80			14			13			6			7			40

Total revenues		34			40			(14	)		60			(5	)		4			21			(8	)		12

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			—			—			—			—			—			—			—			—
Interest credited		—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		34			28			30			92			25			14			9			2			50
Amortization of deferred acquisition costs and intangibles		3			3			3			9			3			3			3			3			12
Goodwill impairment		—			—			—			—			29			—			—			—			29
Interest expense		82			84			62			228			81			82			86			82			331

Total benefits and expenses		119			115			95			329			138			99			98			87			422

LOSS BEFORE INCOME TAXES		(85	)		(75	)		(109	)		(269	)		(143	)		(95	)		(77	)		(95	)		(410	)
Provision (benefit) for income taxes		(35	)		(31	)		(37	)		(103	)		(102	)		(30	)		17			(18	)		(133	)

NET LOSS		(50	)		(44	)		(72	)		(166	)		(41	)		(65	)		(94	)		(77	)		(277	)
ADJUSTMENTS TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		2			—			23			25			19			9			2			8			38
Goodwill impairment, net of taxes		—			—			—			—			19			—			—			—			19

NET OPERATING LOSS	$	(48	)	$	(44	)	$	(49	)	$	(141	)	$	(3	)	$	(56	)	$	(92	)	$	(69	)	$	(220	)


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

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

Additional Financial Data

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Investments Summary

(amounts in millions)


		September 30, 2012					June 30, 2012					March 31, 2012					December 31, 2011					September 30, 2011
		Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total
Composition of Investment Portfolio
Fixed maturity securities:
Investment grade:
Public fixed maturity securities		$	37,335		48	%	$	35,553		46	%	$	34,598		46	%	$	34,770		46	%	$	34,689		46	%
Private fixed maturity securities			10,306		13			10,119		13			9,992		13			9,480		12			9,309		12
Residential mortgage-backed securities⁽¹⁾			5,489		7			5,377		7			5,250		7			5,129		7			4,747		6
Commercial mortgage-backed securities			2,902		4			2,900		4			2,987		4			3,045		4			3,139		4
Other asset-backed securities			2,685		3			2,531		3			2,396		3			2,516		3			2,030		3
Tax-exempt			302		—			310		1			341		1			503		1			693		1
Non-investment grade fixed maturity securities			3,195		4			3,001		4			2,968		4			2,852		4			3,209		4
Equity securities:
Common stocks and mutual funds			410		1			374		1			384		1			306		—			284		—
Preferred stocks			114		—			57		—			50		—			55		—			70		—
Commercial mortgage loans			5,861		8			5,875		8			6,030		8			6,092		8			6,271		8
Restricted commercial mortgage loans related to securitization entities			359		—			382		—			392		1			411		1			430		1
Policy loans			1,626		2			1,619		2			1,555		2			1,549		2			1,556		2
Cash, cash equivalents and short-term investments			3,875		5			4,150		5			4,404		6			5,145		7			3,822		5
Securities lending			181		—			175		—			93		—			406		1			204		—
Other invested assets:	Limited partnerships		344		—			357		—			352		—			344		—			355		1
	Derivatives:
	LTC forward starting swap—cash flow		614		1			801		1			252		—			648		1			1,515		2
	Other cash flow		1		—			3		—			1		—			—		—			—		—
	Fair value		48		—			54		—			69		—			75		—			93		—
	Equity index options—non-qualified		24		—			31		—			21		—			55		—			62		—
	LTC swaptions—non-qualified		—		—			—		—			—		—			—		—			—		—
	Other non-qualified		697		1			710		1			516		1			707		1			745		1
	Trading portfolio		690		1			752		1			770		1			788		1			639		1
	Counterparty collateral		1,010		1			1,218		2			589		1			1,023		1			1,733		2
	Restricted other invested assets related to securitization entities		393		1			391		1			384		1			377		—			377		1
	Other		173		—			135		—			121		—			116		—			106		—

Total invested assets and cash		$	78,634		100	%	$	76,875		100	%	$	74,515		100	%	$	76,392		100	%	$	76,078		100	%

Public Fixed Maturity Securities—Credit Quality:
Rating Agency Designation
AAA		$	17,864		37	%	$	17,055		37	%	$	16,612		37	%	$	17,179		38	%	$	17,035		38	%
AA			4,709		10			4,498		10			4,574		10			4,666		10			5,038		11
A			13,311		28			13,083		28			12,542		28			12,577		28			12,499		28
BBB			10,372		21			9,759		21			9,638		21			9,334		21			8,721		19
BB			1,280		3			1,205		3			1,173		3			1,102		2			1,206		3
B			145		—			160		—			150		—			142		—			233		—
CCC and lower			456		1			408		1			424		1			420		1			449		1

Total public fixed maturity securities		$	48,137		100	%	$	46,168		100	%	$	45,113		100	%	$	45,420		100	%	$	45,181		100	%

Private Fixed Maturity Securities—Credit Quality:
Rating Agency Designation
AAA		$	1,657		12	%	$	1,649		12	%	$	1,581		12	%	$	1,754		14	%	$	1,305		10	%
AA			1,349		10			1,170		9			1,122		8			1,079		8			1,072		9
A			4,164		29			4,238		31			4,290		32			3,993		31			4,087		32
BBB			5,593		40			5,338		39			5,205		39			4,861		38			4,850		39
BB			974		7			906		7			966		7			929		7			974		8
B			187		1			171		1			119		1			125		1			168		1
CCC and lower			153		1			151		1			136		1			134		1			179		1

Total private fixed maturity securities		$	14,077		100	%	$	13,623		100	%	$	13,419		100	%	$	12,875		100	%	$	12,635		100	%

⁽¹⁾	The company does not have any material exposure to residential mortgage-backed securities collateralized debt obligations (CDOs).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Fixed Maturity Securities Summary

(amounts in millions)


	September 30, 2012					June 30, 2012					March 31, 2012					December 31, 2011					September 30, 2011
	Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total
Fixed Maturity Securities—Security Sector:
U.S. government, agencies and government-sponsored enterprises	$	5,503		9	%	$	4,985		8	%	$	4,574		8	%	$	4,863		8	%	$	4,825		8	%
Tax-exempt		302		1			310		1			341		—			503		1			693		1
Foreign government		2,574		4			2,505		4			2,291		4			2,211		4			2,165		4
U.S. corporate		26,306		42			25,545		43			25,207		43			25,258		43			25,368		44
Foreign corporate		15,368		25			14,585		24			14,442		25			13,757		24			13,705		24
Residential mortgage-backed securities		6,119		10			5,976		10			5,852		10			5,695		10			5,380		9
Commercial mortgage-backed securities		3,286		5			3,268		6			3,346		6			3,400		6			3,543		6
Other asset-backed securities		2,756		4			2,617		4			2,479		4			2,608		4			2,137		4

Total fixed maturity securities	$	62,214		100	%	$	59,791		100	%	$	58,532		100	%	$	58,295		100	%	$	57,816		100	%

Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,063		20	%	$	8,028		21	%	$	8,138		21	%	$	7,919		21	%	$	8,119		22	%
Utilities and energy		9,265		23			8,965		23			8,752		23			8,653		23			8,608		23
Consumer—non-cyclical		5,065		13			4,917		13			4,778		13			4,662		12			4,569		12
Consumer—cyclical		2,222		6			2,249		6			2,183		6			2,088		6			1,976		5
Capital goods		2,515		6			2,413		6			2,345		6			2,388		6			2,485		7
Industrial		2,434		6			2,341		6			2,267		6			2,149		6			1,995		5
Technology and communications		2,792		7			2,629		7			2,630		7			2,522		7			2,443		7
Transportation		1,566		4			1,454		4			1,435		4			1,445		4			1,403		4
Other		5,786		15			5,322		14			5,331		14			5,520		15			5,580		15

Subtotal		39,708		100	%		38,318		100	%		37,859		100	%		37,346		100	%		37,178		100	%

Non-Investment Grade:
Finance and insurance		460		23	%		414		23	%		348		20	%		290		17	%		375		20	%
Utilities and energy		429		22			381		21			396		22			340		21			322		17
Consumer—non-cyclical		160		8			135		7			142		8			132		8			166		9
Consumer—cyclical		95		5			76		4			76		4			72		4			106		5
Capital goods		287		14			310		17			303		17			303		18			335		17
Industrial		290		15			269		15			280		16			286		17			318		17
Technology and communications		171		9			140		8			165		9			159		10			168		9
Transportation		58		3			59		3			60		3			68		4			88		5
Other		16		1			28		2			20		1			19		1			17		1

Subtotal		1,966		100	%		1,812		100	%		1,790		100	%		1,669		100	%		1,895		100	%

Total	$	41,674		100	%	$	40,130		100	%	$	39,649		100	%	$	39,015		100	%	$	39,073		100	%

Fixed Maturity Securities—Contractual Maturity Dates:
Due in one year or less	$	3,097		5	%	$	3,054		5	%	$	2,958		5	%	$	2,756		5	%	$	2,720		5	%
Due after one year through five years		11,162		18			10,765		18			11,183		19			11,225		19			11,172		19
Due after five years through ten years		12,009		19			11,569		19			11,066		19			10,472		18			10,612		18
Due after ten years		23,785		38			22,542		38			21,648		37			22,139		38			22,252		39

Subtotal		50,053		80			47,930		80			46,855		80			46,592		80			46,756		81
Mortgage and asset-backed securities		12,161		20			11,861		20			11,677		20			11,703		20			11,060		19

Total fixed maturity securities	$	62,214		100	%	$	59,791		100	%	$	58,532		100	%	$	58,295		100	%	$	57,816		100	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Commercial Mortgage Loans Summary

(amounts in millions)


	September 30, 2012						June 30, 2012						March 31, 2012						December 31, 2011						September 30, 2011
	Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total
Geographic Region
South Atlantic	$	1,619			27	%	$	1,640			28	%	$	1,629			27	%	$	1,631			27	%	$	1,624			27	%
Pacific		1,526			26			1,486			25			1,504			25			1,539			25			1,598			25
Middle Atlantic		710			12			715			12			750			12			734			12			810			13
East North Central		513			9			528			9			544			9			557			9			568			9
Mountain		442			7			461			8			482			8			497			8			500			8
New England		342			6			344			6			385			6			388			6			390			6
West North Central		339			6			320			5			332			5			337			5			344			5
West South Central		260			4			269			4			293			5			298			5			329			5
East South Central		152			3			155			3			157			3			159			3			158			2

Subtotal		5,903			100	%		5,918			100	%		6,076			100	%		6,140			100	%		6,321			100	%

Allowance for losses		(44	)					(46	)					(49	)					(51	)					(54	)
Unamortized fees and costs		2						3						3						3						4

Total	$	5,861					$	5,875					$	6,030					$	6,092					$	6,271

Property Type
Retail	$	1,882			32	%	$	1,899			32	%	$	1,907			31	%	$	1,898			31	%	$	1,889			30	%
Industrial		1,633			27			1,623			27			1,688			28			1,707			28			1,736			28
Office		1,533			26			1,520			26			1,553			26			1,590			26			1,647			26
Apartments		578			10			595			10			626			10			641			10			708			11
Mixed use/other		277			5			281			5			302			5			304			5			341			5

Subtotal		5,903			100	%		5,918			100	%		6,076			100	%		6,140			100	%		6,321			100	%

Allowance for losses		(44	)					(46	)					(49	)					(51	)					(54	)
Unamortized fees and costs		2						3						3						3						4

Total	$	5,861					$	5,875					$	6,030					$	6,092					$	6,271

Allowance for Losses on Commercial Mortgage Loans
Beginning balance	$	46					$	49					$	51					$	54					$	57
Provision		1						—						—						—						—
Release		(3	)					(3	)					(2	)					(3	)					(3	)

Ending balance	$	44					$	46					$	49					$	51					$	54

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Commercial Mortgage Loans Summary

(amounts in millions)


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

Subtotal		5,903		100	%		5,918		100	%		6,076		100	%		6,140		100	%		6,321		100	%

Net premium/discount		—					—					—					—					—

Total	$	5,903				$	5,918				$	6,076				$	6,140				$	6,321

Commercial Mortgage Loan Information by Vintage as of September 30, 2012

(loan amounts in millions)


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

Total	$	5,903		1,583	$	4		61	%	$	46		10	$	5

⁽¹⁾	Total recorded investment reflects the balance sheet carrying value gross of related allowance and the unamortized balance of loan origination fees and costs.

⁽²⁾	Represents weighted-average loan-to-value as of September 30, 2012.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

General Account GAAP Net Investment Income Yields

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	659		$	669		$	660		$	1,988		$	665		$	669		$	693		$	670		$	2,697
Fixed maturity securities—non-taxable		2			3			4			9			6			8			10			11			35
Commercial mortgage loans		87			85			84			256			92			89			92			92			365
Restricted commercial mortgage loans related to securitization entities		8			7			9			24			10			11			9			10			40
Equity securities		4			6			4			14			3			3			10			3			19
Other invested assets		46			36			43			125			36			31			38			30			135
Limited partnerships		2			20			10			32			(5	)		11			17			4			27
Restricted other invested assets related to securitization entities		—			—			—			—			—			—			—			—			—
Policy loans		31			31			31			93			31			30			30			29			120
Cash, cash equivalents and short-term investments		8			10			10			28			13			12			6			6			37

Gross investment income before expenses and fees		847			867			855			2,569			851			864			905			855			3,475
Expenses and fees		(22	)		(21	)		(23	)		(66	)		(24	)		(22	)		(24	)		(25	)		(95	)

Net investment income	$	825		$	846		$	832		$	2,503		$	827		$	842		$	881		$	830		$	3,380

Annualized Yields
Fixed maturity securities—taxable		4.8	%		4.9	%		4.9	%		4.8	%		4.9	%		5.0	%		5.2	%		5.0	%		5.0	%
Fixed maturity securities—non-taxable		2.4	%		3.3	%		3.4	%		3.0	%		3.6	%		3.8	%		4.1	%		4.2	%		4.0	%
Commercial mortgage loans		5.9	%		5.7	%		5.5	%		5.7	%		6.0	%		5.6	%		5.6	%		5.5	%		5.7	%
Restricted commercial mortgage loans related to securitization entities		8.6	%		7.6	%		9.0	%		8.3	%		9.5	%		10.1	%		7.8	%		7.6	%		8.8	%
Equity securities		3.5	%		5.7	%		4.1	%		4.4	%		3.4	%		3.4	%		11.7	%		3.2	%		5.4	%
Other invested assets		19.8	%		13.9	%		15.8	%		16.5	%		14.3	%		13.4	%		15.8	%		11.7	%		13.6	%
Limited partnerships⁽¹⁾		2.3	%		22.6	%		11.5	%		12.2	%		-5.7	%		12.6	%		19.9	%		5.1	%		7.8	%
Restricted other invested assets related to securitization entities		0.2	%		0.1	%		—	%		—	%		—	%		0.2	%		0.2	%		0.3	%		—	%
Policy loans		7.6	%		7.8	%		8.0	%		7.8	%		8.0	%		7.7	%		7.9	%		8.0	%		7.9	%
Cash, cash equivalents and short-term investments		0.8	%		0.9	%		0.8	%		0.8	%		1.2	%		1.4	%		0.7	%		0.7	%		1.0	%

Gross investment income before expenses and fees		4.9	%		5.0	%		4.9	%		4.9	%		4.9	%		5.0	%		5.3	%		5.0	%		5.0	%
Expenses and fees		-0.2	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.2	%		-0.2	%		-0.1	%

Net investment income		4.7	%		4.9	%		4.8	%		4.8	%		4.8	%		4.9	%		5.1	%		4.8	%		4.9	%

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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

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

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	5		$	(1	)	$	8		$	12		$	15		$	4		$	1		$	(3	)	$	17
U.S. government, agencies and government-sponsored enterprises		2			2			2			6			5			1			—			3			9
Foreign corporate		1			1			1			3			(3	)		17			(8	)		(1	)		5
Foreign government		2			2			1			5			1			3			2			—			6
Tax-exempt		(1	)		1			(1	)		(1	)		7			1			(1	)		—			7
Mortgage-backed securities		(1	)		(2	)		(2	)		(5	)		(8	)		(2	)		(1	)		(2	)		(13	)
Asset-backed securities		(1	)		—			1			—			(1	)		—			(1	)		—			(2	)
Equity securities		3			—			—			3			2			—			1			2			5
Foreign exchange		—			—			—			—			(1	)		(1	)		1			—			(1	)

Total net realized gains (losses) on available-for-sale securities		10			3			10			23			17			23			(6	)		(1	)		33

Impairments:
Sub-prime residential mortgage-backed securities		(8	)		(2	)		(2	)		(12	)		(2	)		(1	)		(3	)		(6	)		(12	)
Alt-A residential mortgage-backed securities		(4	)		(7	)		(3	)		(14	)		(3	)		(2	)		(2	)		(4	)		(11	)

Total sub-prime and Alt-A residential mortgage-backed securities		(12	)		(9	)		(5	)		(26	)		(5	)		(3	)		(5	)		(10	)		(23	)

Prime residential mortgage-backed securities		(1	)		(3	)		—			(4	)		(1	)		(3	)		(2	)		(3	)		(9	)
Other mortgage-backed securities		(1	)		(1	)		(1	)		(3	)		(3	)		—			—			—			(3	)
Commercial mortgage-backed securities		(3	)		(3	)		(3	)		(9	)		(3	)		(1	)		(4	)		—			(8	)
Corporate fixed maturity securities		—			(10	)		—			(10	)		—			(27	)		—			(9	)		(36	)
Limited partnerships		—			(1	)		—			(1	)		—			—			(1	)		—			(1	)
Commercial mortgage loans		(2	)		—			(1	)		(3	)		—			—			(4	)		(1	)		(5	)

Total impairments		(19	)		(27	)		(10	)		(56	)		(12	)		(34	)		(16	)		(23	)		(85	)

Net unrealized gains (losses) on trading securities		9			22			(17	)		14			(6	)		7			9			7			17
Derivative instruments		(2	)		(18	)		17			(3	)		2			(50	)		(10	)		(6	)		(64	)
Commercial mortgage loans held-for-sale market valuation allowance		1			1			2			4			2			2			1			(1	)		4
Contingent purchase price valuation change		(5	)		—			(1	)		(6	)		(1	)		(15	)		(1	)		—			(17	)
Net gains (losses) related to securitization entities		12			(3	)		22			31			3			(37	)		(3	)		6			(31	)
Other		—			—			—			—			(1	)		1			—			—			—

Net investment gains (losses), net of taxes		6			(22	)		23			7			4			(103	)		(26	)		(18	)		(143	)
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes		(6	)		3			(5	)		(8	)		(3	)		26			3			3			29
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes		(1	)		—			(2	)		(3	)		—			(1	)		—			(1	)		(2	)

Net investment gains (losses), net of taxes and other adjustments	$	(1	)	$	(19	)	$	16		$	(4	)	$	1		$	(78	)	$	(23	)	$	(16	)	$	(116	)

Reconciliations of Non-GAAP Measures

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Reconciliation of Operating ROE

(amounts in millions)


Twelve Month Rolling Average ROE	Twelve months ended
	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended⁽¹⁾	$	299		$	249		$	37		$	49		$	(302	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	11,069		$	11,004		$	10,973		$	10,945		$	10,969
GAAP Basis ROE⁽¹⁾ divided by⁽²⁾		2.7	%		2.3	%		0.3	%		0.4	%		-2.8	%

Operating ROE
Net operating income (loss) for the twelve months ended⁽¹⁾	$	356		$	297		$	104		$	148		$	(159	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	11,069		$	11,004		$	10,973		$	10,945		$	10,969
Operating ROE⁽¹⁾ divided by⁽²⁾		3.2	%		2.7	%		0.9	%		1.4	%		-1.4	%

Quarterly Average ROE	Three months ended
	September 30, 2012			June 30, 2012			March 31, 2012			December 31, 2011			September 30, 2011
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended⁽³⁾	$	34		$	76		$	47		$	142		$	(16	)
Average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	11,184		$	11,123		$	11,052		$	10,947		$	10,877
Annualized GAAP Quarterly Basis ROE⁽³⁾ divided by⁽⁴⁾		1.2	%		2.7	%		1.7	%		5.2	%		-0.6	%

Operating ROE
Net operating income (loss) for the period ended⁽³⁾	$	121		$	80		$	31		$	124		$	62
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	11,184		$	11,123		$	11,052		$	10,947		$	10,877
Annualized Operating Quarterly Basis ROE⁽³⁾ divided by⁽⁴⁾		4.3	%		2.9	%		1.1	%		4.5	%		2.3	%

Non-GAAP Definition for Operating ROE

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

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

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

⁽³⁾	Net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 10 herein.

⁽⁴⁾	Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss), is derived by averaging ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Reconciliation of Expense Ratio

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Basis Expense Ratio
Acquisition and operating expenses, net of deferrals⁽¹⁾	$	504		$	502		$	530		$	1,536		$	569		$	581		$	581		$	563		$	2,294
Total revenues⁽²⁾	$	2,536		$	2,523		$	2,426		$	7,485		$	2,624		$	2,521		$	2,655		$	2,568		$	10,368

Expense ratio⁽¹⁾ divided by⁽²⁾		19.9	%		19.9	%		21.8	%		20.5	%		21.7	%		23.0	%		21.9	%		21.9	%		22.1	%

GAAP Basis, As Adjusted—Expense Ratio
Acquisition and operating expenses, net of deferrals	$	504		$	502		$	530		$	1,536		$	569		$	581		$	581		$	563		$	2,294
Less lifestyle protection insurance business		117			126			127			370			139			143			156			152			590
Less wealth management business		63			64			92			219			93			95			92			92			372

Adjusted acquisition and operating expenses, net of deferrals⁽³⁾	$	324		$	312		$	311		$	947		$	337		$	343		$	333		$	319		$	1,332

Total revenues	$	2,536		$	2,523		$	2,426		$	7,485		$	2,624		$	2,521		$	2,655		$	2,568		$	10,368
Less lifestyle protection insurance business		198			211			218			627			226			245			281			270			1,022
Less wealth management business		82			122			112			316			114			115			114			110			453
Less net investment gains (losses)		8			(35	)		34			7			7			(155	)		(41	)		(30	)		(219	)

Adjusted total revenues⁽⁴⁾	$	2,248		$	2,225		$	2,062		$	6,535		$	2,277		$	2,316		$	2,301		$	2,218		$	9,112

Adjusted expense ratio⁽³⁾ divided by⁽⁴⁾		14.4	%		14.0	%		15.1	%		14.5	%		14.8	%		14.8	%		14.5	%		14.4	%		14.6	%

Non-GAAP Definition for Expense Ratio

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Reconciliation of Core Premiums

(amounts in millions)


	2012												2011
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Reported premiums	$	1,311		$	1,302		$	1,107		$	3,720		$	1,352		$	1,461		$	1,455		$	1,437		$	5,705
Less U.S. Life Insurance—fixed annuities premiums		26			15			33			74			33			22			20			20			95
Less impact of changes in foreign exchange rates		(34	)		(23	)		(3	)		(60	)		7			54			44			10			115

Core premiums	$	1,319		$	1,310		$	1,077		$	3,706		$	1,312		$	1,385		$	1,391		$	1,407		$	5,495

Reported premium percentage change from prior year		-10.3	%		-10.5	%		-23.0	%		-14.5	%		-7.8	%		1.0	%		-1.0	%		-2.2	%		-2.5	%
Core premium percentage change from prior year		-4.8	%		-5.8	%		-23.5	%		-11.4	%		-8.2	%		-2.2	%		-1.6	%		3.0	%		-2.3	%

Non-GAAP Definition for Core Premiums

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Reconciliation of Core Yield


		2012												2011
	(Assets—amounts in billions)	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	78.6		$	76.9		$	74.5		$	78.6		$	76.4		$	76.1		$	71.5		$	71.8		$	76.4
	Subtract:
	Securities lending		0.2			0.2			0.1			0.2			0.4			0.2			0.6			0.8			0.4
	Unrealized gains (losses)		7.3			6.4			4.1			7.3			5.0			5.7			1.7			1.2			5.0
	Derivative counterparty collateral		1.0			1.2			0.6			1.0			1.0			1.7			0.7			0.7			1.0

	Adjusted end of period invested assets	$	70.1		$	69.1		$	69.7		$	70.1		$	70.0		$	68.5		$	68.5		$	69.1		$	70.0

(A)	Average Invested Assets Used in Reported Yield Calculation	$	69.6		$	69.4		$	69.9		$	69.6		$	69.2		$	68.5		$	68.8		$	68.9		$	68.9
	Subtract:
	Restricted commercial mortgage loans and other invested assets related to securitization entities		0.4			0.3			0.4			0.4			0.4			0.4			0.5			0.5			0.5

(B)	Average Invested Assets Used in Core Yield Calculation		69.2			69.1			69.5			69.2			68.8			68.1			68.3			68.4			68.4
	Subtract:
	Portfolios supporting floating products and non-recourse funding obligations⁽¹⁾		6.6			6.8			7.5			7.0			7.9			8.1			8.3			8.6			8.2

(C)	Average Invested Assets Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	$	62.6		$	62.3		$	62.0		$	62.2		$	60.9		$	60.0		$	60.0		$	59.8		$	60.2

	(Income—amounts in millions)
(D)	Reported—Net Investment Income	$	825		$	846		$	832		$	2,503		$	827		$	842		$	881		$	830		$	3,380
	Subtract:
	Bond calls and commercial mortgage loan prepayments		14			4			5			23			10			8			16			8			42
	Reinsurance⁽²⁾		19			24			22			65			19			21			36			32			108
	Other non-core items⁽³⁾		3			8			4			15			7			3			15			2			27
	Restricted commercial mortgage loans and other invested assets related to securitization entities		6			5			5			16			6			8			5			7			26

(E)	Core Net Investment Income		783			805			796			2,384			785			802			809			781			3,177
	Subtract:
	Investment income from portfolios supporting floating products and non-recourse funding obligations⁽¹⁾		29			30			33			92			35			33			37			34			139

(F)	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	$	754		$	775		$	763		$	2,292		$	750		$	769		$	772		$	747		$	3,038

(D) / (A)	Reported Yield		4.74	%		4.88	%		4.76	%		4.79	%		4.78	%		4.92	%		5.12	%		4.82	%		4.91	%
(E) / (B)	Core Yield		4.53	%		4.66	%		4.58	%		4.59	%		4.56	%		4.71	%		4.74	%		4.57	%		4.65	%
(F) / (C)	Core Yield (excl. Floating and Non-Recourse Funding)		4.82	%		4.98	%		4.92	%		4.91	%		4.93	%		5.13	%		5.15	%		5.00	%		5.05	%

Notes:

Columns may not add due to rounding.

Yields have been annualized.

Non-GAAP Definition for Core Yield

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

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

⁽²⁾	Represents imputed investment income related to reinsurance agreements in the lifestyle protection insurance business.

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

Corporate Information

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Financial Strength Ratings

The company’s principal life insurance subsidiaries are rated in terms of financial strength by Standard & Poor’s Financial Services LLC (S&P), Moody’s Investors Service, Inc. (Moody’s) and A.M. Best Company, Inc. (A.M. Best) as follows:


Company	S&P	Moody’s	A.M. Best
Genworth Life Insurance Company	A-	A3	A
Genworth Life Insurance Company (short-term rating)	A2	P-1	Not rated
Genworth Life and Annuity Insurance Company	A-	A3	A
Genworth Life and Annuity Insurance Company (short-term rating)	A2	P-1	Not rated
Genworth Life Insurance Company of New York	A-	A3	A

The company’s principal lifestyle protection insurance subsidiaries are rated in terms of financial strength by S&P as follows:

The company’s principal mortgage insurance subsidiaries are rated in terms of financial strength by S&P and Moody’s as follows:


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

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

The S&P, Moody’s, A.M. Best and DBRS ratings included are not designed to be, and do not serve as, measures of protection or valuation offered to investors. These financial strength ratings should not be relied on with respect to making an investment in the company’s securities.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2012

Financial Strength Ratings (continued)

S&P states that an insurer rated “AA” (Very Strong) has very strong financial security characteristics that outweigh any vulnerabilities, and is highly likely to have the ability to meet financial commitments. Insurers rated “AA” (Very Strong), “A” (Strong), “BBB” (Good) or “B” (Weak) have very strong, strong, good, or weak financial security characteristics, respectively. The “AA,” “A,” “BBB” and “B” ranges are the second-, third-, fourth- and sixth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing in a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “AA-,” “A-,” “BBB-” and “B” ratings are the fourth-, seventh-, tenth- and fifteenth-highest of S&P’s 21 ratings categories. The short-term “A-2” rating is the second highest rating and shows the capacity to meet financial commitments is satisfactory. An obligor rated “mxAA” has a very strong capacity to meet its financial commitments relative to that of other Mexican obligors. The “mxAA” rating is the second-highest enterprise credit rating assigned on S&P’s CaVal national scale.

Moody’s states that insurance companies rated “A” (Good) offer good financial security and those rated “Ba” (Questionable) offer questionable financial security. The “A” (Good) and “Ba” (Questionable) ranges are the third- and fifth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the group, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A1,” “A3,” “Ba1”, ratings are the fifth-, seventh-, and eleventh-highest, respectively, of Moody’s 21 ratings categories. The short-term rating “P-1” is the highest rating and shows superior ability for repayment of short-term debt obligations. Issuers or issues rated “Aa.mx” demonstrate very strong creditworthiness relative to other issuers in Mexico.

A.M. Best states that the “A” (Excellent) rating is assigned to those companies that have, in its opinion, an excellent ability to meet their ongoing insurance obligations. The “A” (Excellent) rating is the third-highest, of 15 ratings assigned by A.M. Best, which range from “A++” to “F.”

DBRS states that long-term obligations rated “AA” are of superior credit quality. The capacity for the payment of financial obligations is considered high and unlikely to be significantly variable to future events. Credit quality differs from “AAA” only to a small degree.

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

About Genworth Financial

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

Inquiries:

Georgette Nicholas, 804-662-2248

Georgette.Nicholas@genworth.com