EX-99.2

Exhibit 99.2

Third Quarter Financial Supplement

September 30, 2015

LOGO

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015


Table of Contents	Page
Investor Letter .		3
Use of Non-GAAP Measures.		4
Results of Operations and Selected Operating Performance Measures .		5
Financial Highlights		6

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

*Quarterly Results by Division*
Net Operating Income and Sales—Global Mortgage Insurance Division		16-38
Net Operating Income (Loss) and Sales—U.S. Life Insurance Division		40-46
Net Operating Loss and Other Metrics—Corporate and Other Division		48-54

*Additional Financial Data*
Investments Summary		56
Fixed Maturity Securities Summary		57
General Account GAAP Net Investment Income Yields		58
Net Investment Gains (Losses), Net—Detail		59

*Reconciliations of Non-GAAP Measures*
Reconciliation of Operating Return On Equity (ROE)		61
Reconciliation of Core Yield		62

*Corporate Information*
Industry Ratings.		64

Note:

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Dear Investor,

Thank you for your continued interest in Genworth Financial.

Regards,

Amy Corbin

Investor Relations

InvestorInfo@genworth.com

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Use of Non-GAAP Measures

This financial supplement includes the non-GAAP⁽¹⁾ financial measure entitled “net operating income (loss).” The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss). The company defines net operating income (loss) as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions, restructuring costs and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for certain blocks of business. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company's segments and Corporate and Other activities. A component of the company's net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company's discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from net operating income (loss) because, in the company's opinion, they are not indicative of overall operating trends. Infrequent or unusual non-operating items are also excluded from net operating income (loss) if, in the company’s opinion, they are not indicative of overall operating trends.

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

In the fourth quarter of 2014, the company recorded goodwill impairments of $129 million, net of taxes, in the long-term care insurance business and $145 million, net of taxes, in the life insurance business. In the third quarter of 2014, the company recorded goodwill impairments of $167 million, net of taxes, in the long-term care insurance business and $350 million, net of taxes, in the life insurance business.

In the third quarter of 2015, the company paid an early redemption payment of approximately $1 million, net of taxes and portion attributable to noncontrolling interests, related to the early redemption of Genworth Financial Mortgage Insurance Pty Limited’s notes that were scheduled to mature in 2021. In the third quarter of 2015, the company also repurchased approximately $50 million principal amount of Genworth Holdings, Inc.’s notes with various maturity dates for a loss of $1 million, net of taxes. In the second quarter of 2014, the company paid an early redemption payment of approximately $2 million, net of taxes and portion attributable to noncontrolling interests, related to the early redemption of Genworth MI Canada Inc.’s notes that were scheduled to mature in 2015. These transactions were excluded from net operating income (loss) for the periods presented as they related to a loss on the early extinguishment of debt.

In the third quarter of 2015, the company recorded a DAC impairment of $296 million, net of taxes, on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.

In the second quarter of 2015, the company recorded a $2 million after-tax expense related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses.

There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than the following items. The company recognized a tax charge of $7 million in the third quarter of 2015 from potential business portfolio changes related to its mortgage insurance business in Europe. There was a $205 million net tax impact in the fourth quarter of 2014 from potential business portfolio changes. The company recognized a tax charge of $174 million in the fourth quarter of 2014 associated with the Australian mortgage insurance business as the company can no longer assert its intent to permanently reinvest earnings in that business. In connection with the company’s plans to sell the lifestyle protection insurance business, the company made a change to the permanent reinvestment assertion on one of its legal entities recognizing tax expense of $31 million in the fourth quarter of 2014.

The table on page 9 of this financial supplement reflects net operating income (loss) as determined in accordance with accounting guidance related to segment reporting, and a reconciliation of net operating income (loss) of the company’s segments and Corporate and Other activities to net income (loss) available to Genworth Financial, Inc.’s common stockholders for the periods presented. The financial supplement includes other non-GAAP measures management believes enhances the understanding and comparability of performance by highlighting underlying business activity and profitability drivers. These additional non-GAAP measures are on pages 61 and 62 of this financial supplement.

Adjustments to reconcile net income (loss) attributable to Genworth Financial, Inc.’s common stockholders and net operating income (loss) assume a 35% tax rate and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for DAC and other intangible amortization and certain benefit reserves (see page 59).

⁽¹⁾	U.S. Generally Accepted Accounting Principles

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Results of Operations and Selected Operating Performance Measures

The company’s chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss). The table on page 9 of this financial supplement reflects net operating income (loss) as determined in accordance with accounting guidance related to segment reporting, and a reconciliation of net operating income (loss) of the company’s segments and Corporate and Other activities to net income (loss) available to Genworth Financial, Inc.’s common stockholders for the periods presented.

In the first quarter of 2015, the company revised how it allocates the consolidated provision for income taxes to its operating segments to simplify the process and reflect how the chief operating decision maker is evaluating segment performance. The revised methodology applies a specific tax rate to the pre-tax income (loss) of each segment, which is then adjusted in each segment to reflect the tax attributes of items unique to that segment such as foreign income. The difference between the consolidated provision for income taxes and the sum of the provision for income taxes in each segment is reflected in Corporate and Other activities. Previously, the company calculated a unique income tax provision for each segment based on quarterly changes to tax attributes and implications of transactions specific to each product within the segment.

The annually-determined tax rates and adjustments to each segment’s provision for income taxes are estimates which are subject to review and could change from year to year. Prior year amounts have not been re-presented to reflect this revised presentation and are, therefore, not comparable to the current year provision for income taxes by segment. However, the company does not believe that the previous methodology would have resulted in a materially different segment-level provision for income taxes.

This financial supplement contains selected operating performance measures including “sales” and “insurance in-force” or “risk in-force” which are commonly used in the insurance industry as measures of operating performance.

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

Management regularly monitors and reports insurance in-force and risk in-force. Insurance in-force for the international mortgage and U.S. mortgage insurance businesses is a measure of the aggregate face value of outstanding insurance policies as of the respective reporting date. For risk in-force in the international mortgage insurance business, the company has computed an “effective” risk in-force amount, which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor of 35% that represents the highest expected average per-claim payment for any one underwriting year over the life of the company’s businesses in Canada and Australia. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor. Risk in-force for the U.S. mortgage insurance business is the obligation that is limited under contractual terms to the amounts less than 100% of the mortgage loan value. The company considers insurance in-force and risk in-force to be measures of the company’s operating performance because they represent measures of the size of the business at a specific date which will generate revenues and profits in a future period, rather than measures of the company’s revenues or profitability during that period.

Management also regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage insurance businesses, the loss ratio is the ratio of incurred losses and loss adjustment expenses to net earned premiums. For the long-term care insurance business, the loss ratio is the ratio of benefits and other changes in reserves less tabular interest on reserves less loss adjustment expenses to net earned premiums. The company considers the loss ratio to be a measure of underwriting performance in these businesses and helps to enhance the understanding of the operating performance of the businesses.

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Financial Highlights

(amounts in millions, except per share data)


Balance Sheet Data	September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014		September 30, 2014
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	$	10,101	$	10,381	$	10,632	$	10,477	$	11,231
Total accumulated other comprehensive income		3,478		3,309		4,692		4,446		3,934

Total Genworth Financial, Inc.’s stockholders’ equity	$	13,579	$	13,690	$	15,324	$	14,923	$	15,165

Book value per common share	$	27.29	$	27.52	$	30.81	$	30.04	$	30.54
Book value per common share, excluding accumulated other comprehensive income	$	20.30	$	20.87	$	21.38	$	21.09	$	22.62
Common shares outstanding as of the balance sheet date		497.5		497.4		497.4		496.7		496.6

	Twelve months ended
Twelve Month Rolling Average ROE	September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014		September 30, 2014
GAAP Basis ROE		-10.3%		-15.0%		-11.3%		-10.8%		-2.3%
Operating ROE⁽¹⁾		-0.7%		-4.2%		-3.8%		-3.5%		1.7%

	Three months ended
Quarterly Average ROE	September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014		September 30, 2014
GAAP Basis ROE		-11.1%		-7.3%		5.8%		-28.0%		-29.0%
Operating ROE⁽¹⁾		2.5%		4.5%		5.8%		-15.3%		-11.1%


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

Weighted-average common shares used in diluted earnings per common share calculations⁽²⁾		497.4		499.0

⁽¹⁾	See page 61 herein for a reconciliation of GAAP Basis ROE to Operating ROE.

⁽²⁾

Consolidated Quarterly Results

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q		1Q			Total
REVENUES:
Premiums	$	1,145		$	1,134		$	1,143		$	3,422		$	1,214		$	1,210		$	1,144	$	1,132		$	4,700
Net investment income		783			793			781			2,357			797			778			791		776			3,142
Net investment gains (losses)		(51	)		8			(16	)		(59	)		(11	)		(27	)		34		(18	)		(22	)
Insurance and investment product fees and other		223			222			227			672			229			229			225		226			909

Total revenues		2,100			2,157			2,135			6,392			2,229			2,190			2,194		2,116			8,729

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,290			1,232			1,192			3,714			2,136			1,934			1,200		1,148			6,418
Interest credited		179			181			180			540			185			185			184		183			737
Acquisition and operating expenses, net of deferrals		314			295			267			876			299			284			282		273			1,138
Amortization of deferred acquisition costs and intangibles		563			101			95			759			128			113			108		104			453
Goodwill impairment		—			—			—			—			299			550			—		—			849
Interest expense		105			103			107			315			106			104			112		111			433

Total benefits and expenses		2,451			1,912			1,841			6,204			3,153			3,170			1,886		1,819			10,028

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(351	)		245			294			188			(924	)		(980	)		308		297			(1,299	)
Provision (benefit) for income taxes		(134	)		70			91			27			(78	)		(187	)		84		87			(94	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(217	)		175			203			161			(846	)		(793	)		224		210			(1,205	)
Income (loss) from discontinued operations, net of taxes⁽¹⁾		(21	)		(314	)		1			(334	)		138			6			4		9			157

NET INCOME (LOSS)		(238	)		(139	)		204			(173	)		(708	)		(787	)		228		219			(1,048	)
Less: net income attributable to noncontrolling interests		46			54			50			150			52			57			52		35			196

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	(284	)	$	(193	)	$	154		$	(323	)	$	(760	)	$	(844	)	$	176	$	184		$	(1,244	)


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

⁽¹⁾	Income (loss) from discontinued operations related to the lifestyle protection insurance business. Refer to page 54 for operating results of discontinued operations.

⁽²⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss) by Segment by Quarter

(amounts in millions, except per share amounts)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Global Mortgage Insurance Division
International Mortgage Insurance segment:
Canada	$	38		$	37		$	40		$	115		$	36		$	46		$	47		$	41		$	170
Australia		21			29			30			80			33			48			57			62			200
Other Countries		(5	)		(5	)		(6	)		(16	)		(7	)		(7	)		(7	)		(4	)		(25	)

Total International Mortgage Insurance segment		54			61			64			179			62			87			97			99			345
U.S. Mortgage Insurance segment		37			49			52			138			21			(2	)		39			33			91

Total Global Mortgage Insurance Division		91			110			116			317			83			85			136			132			436

U.S. Life Insurance Division
U.S. Life Insurance segment:
Long-Term Care Insurance		(10	)		10			10			10			(506	)		(361	)		6			46			(815	)
Life Insurance		31			22			40			93			1			13			39			21			74
Fixed Annuities		19			25			31			75			23			26			24			27			100

Total U.S. Life Insurance segment		40			57			81			178			(482	)		(322	)		69			94			(641	)

Total U.S. Life Insurance Division		40			57			81			178			(482	)		(322	)		69			94			(641	)

Corporate and Other Division
Runoff segment		(4	)		9			11			16			16			5			15			12			48
Corporate and Other		(63	)		(57	)		(54	)		(174	)		(32	)		(91	)		(66	)		(52	)		(241	)

Total Corporate and Other Division		(67	)		(48	)		(43	)		(158	)		(16	)		(86	)		(51	)		(40	)		(193	)

NET OPERATING INCOME (LOSS)		64			119			154			337			(415	)		(323	)		154			186			(398	)

ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net		(22	)		4			(1	)		(19	)		(4	)		(10	)		20			(11	)		(5	)
Goodwill impairment, net		—			—			—			—			(274	)		(517	)		—			—			(791	)
Gains (losses) on early extinguishment of debt, net		(2	)		—			—			(2	)		—			—			(2	)		—			(2	)
Gains (losses) from life block transactions, net		(296	)		—			—			(296	)		—			—			—			—			—
Expenses related to restructuring, net		—			(2	)		—			(2	)		—			—			—			—			—
Tax impact from potential business portfolio changes		(7	)		—			—			(7	)		(205	)		—			—			—			(205	)

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL INC.’S COMMON STOCKHOLDERS		(263	)		121			153			11			(898	)		(850	)		172			175			(1,401	)
Net income attributable to noncontrolling interests		46			54			50			150			52			57			52			35			196

INCOME (LOSS) FROM CONTINUING OPERATIONS		(217	)		175			203			161			(846	)		(793	)		224			210			(1,205	)
Income (loss) from discontinued operations, net of taxes		(21	)		(314	)		1			(334	)		138			6			4			9			157

NET INCOME (LOSS)		(238	)		(139	)		204			(173	)		(708	)		(787	)		228			219			(1,048	)
Less: net income attributable to noncontrolling interests		46			54			50			150			52			57			52			35			196

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	(284	)	$	(193	)	$	154		$	(323	)	$	(760	)	$	(844	)	$	176		$	184		$	(1,244	)


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

⁽¹⁾

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Consolidated Balance Sheets

(amounts in millions)


	September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014		September 30, 2014
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	60,851	$	60,568	$	61,904	$	61,276	$	61,091
Equity securities available-for-sale, at fair value		273		299		299		275		306
Commercial mortgage loans		6,133		6,175		6,149		6,100		6,077
Restricted commercial mortgage loans related to securitization entities		175		181		188		201		209
Policy loans		1,567		1,584		1,506		1,501		1,512
Other invested assets		2,773		2,191		2,697		2,244		2,218
Restricted other invested assets related to securitization entities		412		410		411		411		404

Total investments		72,184		71,408		73,154		72,008		71,817
Cash and cash equivalents		3,666		4,100		4,971		4,716		3,284
Accrued investment income		685		615		717		664		694
Deferred acquisition costs		4,437		4,896		4,745		4,849		4,870
Intangible assets		284		286		207		250		277
Goodwill		14		15		15		16		316
Reinsurance recoverable		17,276		17,297		17,305		17,314		17,342
Other assets		577		625		518		524		569
Separate account assets		7,893		8,702		9,064		9,208		9,420
Assets held for sale related to discontinued operations⁽¹⁾		1,206		1,220		1,635		1,809		1,925

Total assets	$	108,222	$	109,164	$	112,331	$	111,358	$	110,514

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


	September 30, 2015			June 30, 2015			March 31, 2015		December 31, 2014		September 30, 2014
ASSETS	September 30, 2015			June 30, 2015			March 31, 2015		December 31, 2014		September 30, 2014
Investments:
Fixed maturity securities available-for-sale, at fair value	$	1,117		$	1,104		$	1,037	$	1,171	$	1,226
Equity securities available-for-sale, at fair value		6			7			7		7		7
Other invested assets		23			24			26		52		64

Total investments		1,146			1,135			1,070		1,230		1,297
Cash and cash equivalents		142			154			187		202		193
Accrued investment income		22			20			19		21		25
Deferred acquisition costs		168			176			173		193		215
Intangible assets		22			21			20		22		23
Reinsurance recoverable		36			35			34		32		31
Other assets		121			137			132		109		141

Assets held for sale related to discontinued operations		1,657			1,678			1,635		1,809		1,925
Fair value less pension settlement costs and closing costs impairment		(451	)		(458	)		—		—		—

Total assets held for sale related to discontinued operations	$	1,206		$	1,220		$	1,635	$	1,809	$	1,925

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Consolidated Balance Sheets

(amounts in millions)


	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	36,472		$	36,298		$	36,488		$	35,915		$	34,697
Policyholder account balances		26,000			25,987			26,136			26,032			25,816
Liability for policy and contract claims		8,065			7,990			7,929			7,937			7,880
Unearned premiums		3,340			3,431			3,321			3,547			3,597
Other liabilities		3,241			3,136			3,623			3,282			3,274
Borrowings related to securitization entities		188			199			205			219			225
Non-recourse funding obligations		1,951			1,967			1,983			1,996			2,010
Long-term borrowings		4,601			4,607			4,601			4,639			4,662
Deferred tax liability		201			258			1,057			858			825
Separate account liabilities		7,893			8,702			9,064			9,208			9,420
Liabilities held for sale related to discontinued operations⁽¹⁾		854			862			843			928			987

Total liabilities		92,806			93,437			95,250			94,561			93,393

Stockholders’ equity:
Common stock		1			1			1			1			1
Additional paid-in capital		11,944			11,940			11,998			11,997			11,991

Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		1,709			1,606			2,724			2,431			2,047
Net unrealized gains (losses) on other-than-temporarily impaired securities		22			22			24			22			20

Net unrealized investment gains (losses)		1,731			1,628			2,748			2,453			2,067

Derivatives qualifying as hedges		2,130			1,913			2,247			2,070			1,753
Foreign currency translation and other adjustments		(383	)		(232	)		(303	)		(77	)		114

Total accumulated other comprehensive income		3,478			3,309			4,692			4,446			3,934
Retained earnings		856			1,140			1,333			1,179			1,939
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)

Total Genworth Financial, Inc.’s stockholders’ equity		13,579			13,690			15,324			14,923			15,165
Noncontrolling interests		1,837			2,037			1,757			1,874			1,956

Total stockholders’ equity		15,416			15,727			17,081			16,797			17,121

Total liabilities and stockholders’ equity	$	108,222		$	109,164		$	112,331		$	111,358		$	110,514

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


	September 30, 2015		June 30, 2015		March 31, 2015		December 31, 2014		September 30, 2014
LIABILITIES
Policyholder account balances	$	9	$	10	$	10	$	11	$	11
Liability for policy and contract claims		108		108		101		106		107
Unearned premiums		412		420		410		439		487
Other liabilities		296		294		276		322		332
Deferred tax liability		29		30		46		50		50

Liabilities held for sale related to discontinued operations	$	854	$	862	$	843	$	928	$	987

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Consolidated Balance Sheet by Segment

(amounts in millions)


	September 30, 2015
	International Mortgage Insurance			U.S. Mortgage Insurance			U.S. Life Insurance		Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	7,499		$	2,209		$	61,322	$	2,742		$	2,763		$	76,535
Deferred acquisition costs and intangible assets		164			29			4,254		280			8			4,735
Reinsurance recoverable		21			6			16,420		829			—			17,276
Deferred tax and other assets		89			38			349		18			83			577
Separate account assets		—			—			—		7,893			—			7,893
Assets held for sale related to discontinued operations		—			—			—		—			1,206			1,206

Total assets	$	7,773		$	2,282		$	82,345	$	11,762		$	4,060		$	108,222

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	—		$	—		$	36,468	$	4		$	—		$	36,472
Policyholder account balances		—			—			22,786		3,214			—			26,000
Liability for policy and contract claims		303			953			6,791		18			—			8,065
Unearned premiums		2,482			240			613		5			—			3,340
Non-recourse funding obligations		—			—			1,981		—			(30	)		1,951
Deferred tax and other liabilities		237			(565	)		3,512		(1	)		259			3,442
Borrowings and capital securities		501			—			—		11			4,277			4,789
Separate account liabilities		—			—			—		7,893			—			7,893
Liabilities held for sale related to discontinued operations		—			—			—		—			854			854

Total liabilities		3,523			628			72,151		11,144			5,360			92,806

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		2,574			1,642			6,485		634			(1,234	)		10,101
Allocated accumulated other comprehensive income (loss)		(161	)		12			3,709		(16	)		(66	)		3,478

Total Genworth Financial, Inc.’s stockholders’ equity		2,413			1,654			10,194		618			(1,300	)		13,579
Noncontrolling interests		1,837			—			—		—			—			1,837

Total stockholders’ equity		4,250			1,654			10,194		618			(1,300	)		15,416

Total liabilities and stockholders’ equity	$	7,773		$	2,282		$	82,345	$	11,762		$	4,060		$	108,222

⁽¹⁾	Includes inter-segment eliminations.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Consolidated Balance Sheet by Segment

(amounts in millions)


	June 30, 2015
	International Mortgage Insurance		U.S. Mortgage Insurance			U.S. Life Insurance		Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	8,114	$	2,269		$	60,452	$	2,678		$	2,610		$	76,123
Deferred acquisition costs and intangible assets		173		26			4,691		298			9			5,197
Reinsurance recoverable		21		7			16,440		829			—			17,297
Deferred tax and other assets		175		39			351		(8	)		68			625
Separate account assets		—		—			—		8,702			—			8,702
Assets held for sale related to discontinued operations		—		—			—		—			1,220			1,220

Total assets	$	8,483	$	2,341		$	81,934	$	12,499		$	3,907		$	109,164

LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	—	$	—		$	36,294	$	4		$	—		$	36,298
Policyholder account balances		—		—			22,837		3,150			—			25,987
Liability for policy and contract claims		308		996			6,671		15			—			7,990
Unearned premiums		2,602		214			608		7			—			3,431
Non-recourse funding obligations		—		—			1,997		—			(30	)		1,967
Deferred tax and other liabilities		458		(612	)		3,436		(25	)		137			3,394
Borrowings and capital securities		456		—			—		12			4,338			4,806
Separate account liabilities		—		—			—		8,702			—			8,702
Liabilities held for sale related to discontinued operations		—		—			—		—			862			862

Total liabilities		3,824		598			71,843		11,865			5,307			93,437

Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		2,618		1,731			6,744		650			(1,362	)		10,381
Allocated accumulated other comprehensive income (loss)		4		12			3,347		(16	)		(38	)		3,309

Total Genworth Financial, Inc.’s stockholders’ equity		2,622		1,743			10,091		634			(1,400	)		13,690
Noncontrolling interests		2,037		—			—		—			—			2,037

Total stockholders’ equity		4,659		1,743			10,091		634			(1,400	)		15,727

Total liabilities and stockholders’ equity	$	8,483	$	2,341		$	81,934	$	12,499		$	3,907		$	109,164

⁽¹⁾	Includes inter-segment eliminations.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Deferred Acquisition Costs Rollforward

(amounts in millions)


	International Mortgage Insurance			U.S. Mortgage Insurance			U.S. Life Insurance⁽¹⁾			Runoff⁽²⁾			Corporate and Other		Total
Unamortized balance as of June 30, 2015	$	147		$	19		$	4,722		$	286		$	—	$	5,174
Costs deferred		16			4			51			—			—		71
Amortization, net of interest accretion		(13	)		(2	)		(65	)		(17	)		—		(97	)
Impact of foreign currency translation		(10	)		—			—			—			—		(10	)
Impairment⁽³⁾		—			—			(455	)		—			—		(455	)

Unamortized balance as of September 30, 2015		140			21			4,253			269			—		4,683
Effect of accumulated net unrealized investment (gains) losses		—			—			(242	)		(4	)		—		(246	)

Balance as of September 30, 2015	$	140		$	21		$	4,011		$	265		$	—	$	4,437

⁽¹⁾	Amortization, net of interest accretion, included $4 million of amortization related to net investment gains for the policyholder account balances.

⁽²⁾	Amortization, net of interest accretion, included $4 million of amortization related to net investment gains for the policyholder account balances.

⁽³⁾	In the third quarter of 2015, the company recorded a DAC impairment of $455 million on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.

Global Mortgage Insurance Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income—Global Mortgage Insurance Division

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	361		$	364		$	365		$	1,090		$	387		$	388		$	381		$	372		$	1,528
Net investment income		72			76			85			233			87			97			86			92			362
Net investment gains (losses)		(19	)		20			(17	)		(16	)		(4	)		(4	)		12			(3	)		1
Insurance and investment product fees and other		—			1			(2	)		(1	)		(4	)		(7	)		(3	)		2			(12	)

Total revenues		414			461			431			1,306			466			474			476			463			1,879

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		117			99			94			310			145			199			107			110			561
Acquisition and operating expenses, net of deferrals		90			94			79			263			101			87			93			82			363
Amortization of deferred acquisition costs and intangibles		16			16			16			48			16			16			17			17			66
Interest expense		8			6			7			21			7			8			8			8			31

Total benefits and expenses		231			215			196			642			269			310			225			217			1,021

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		183			246			235			664			197			164			251			246			858
Provision for income taxes		62			75			75			212			237			24			61			80			402

INCOME (LOSS) FROM CONTINUING OPERATIONS		121			171			160			452			(40	)		140			190			166			456
Less: net income attributable to noncontrolling interests		46			54			50			150			52			57			52			35			196

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		75			117			110			302			(92	)		83			138			131			260
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		8			(7	)		6			7			1			2			(4	)		1			—
(Gains) losses on early extinguishment of debt, net		1			—			—			1			—			—			2			—			2
Tax impact from potential business portfolio changes		7			—			—			7			174			—			—			—			174

NET OPERATING INCOME⁽¹⁾	$	91		$	110		$	116		$	317		$	83		$	85		$	136		$	132		$	436

Effective tax rate (operating income)⁽²⁾		31.6	%		32.3	%		33.0	%		32.4	%		34.0	%		11.3	%		23.3	%		33.9	%		27.2	%

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the Global Mortgage Insurance Division was $104 million and $349 million for the three and nine months ended September 30, 2015, respectively.

⁽²⁾	The operating income (loss) effective tax rate for all pages in this financial supplement was calculated using whole dollars. As a result, the percentages shown may differ from an operating income (loss) effective tax rate calculated using the rounded numbers in this financial supplement.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—Global Mortgage Insurance Division

(amounts in millions)


	International Mortgage Insurance Segment
Three months ended September 30, 2015	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	116		$	92		$	7		$	215		$	146		$	361
Net investment income		32			28			—			60			12			72
Net investment gains (losses)		(23	)		3			—			(20	)		1			(19	)
Insurance and investment product fees and other		(1	)		(1	)		—			(2	)		2			—

Total revenues		124			122			7			253			161			414

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		24			27			3			54			63			117
Acquisition and operating expenses, net of deferrals		16			27			9			52			38			90
Amortization of deferred acquisition costs and intangibles		9			4			—			13			3			16
Interest expense		5			3			—			8			—			8

Total benefits and expenses		54			61			12			127			104			231

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		70			61			(5	)		126			57			183
Provision for income taxes		17			18			7			42			20			62

INCOME (LOSS) FROM CONTINUING OPERATIONS		53			43			(12	)		84			37			121
Less: net income attributable to noncontrolling interests		24			22			—			46			—			46

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		29			21			(12	)		38			37			75

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		9			(1	)		—			8			—			8
(Gains) losses on early extinguishment of debt, net		—			1			—			1			—			1
Tax impact from potential business portfolio changes		—			—			7			7			—			7

NET OPERATING INCOME (LOSS)	$	38		$	21		$	(5	)	$	54		$	37		$	91

Effective tax rate (operating income (loss))		27.2	%		28.0	%		8.2	%		28.8	%		35.4	%		31.6	%

	International Mortgage Insurance Segment
Three months ended September 30, 2014	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	130		$	105		$	7		$	242		$	146		$	388
Net investment income		39			38			1			78			19			97
Net investment gains (losses)		(4	)		—			—			(4	)		—			(4	)
Insurance and investment product fees and other		(2	)		(7	)		2			(7	)		—			(7	)

Total revenues		163			136			10			309			165			474

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		28			22			8			58			141			199
Acquisition and operating expenses, net of deferrals		18			25			9			52			35			87
Amortization of deferred acquisition costs and intangibles		10			5			—			15			1			16
Interest expense		5			3			—			8			—			8

Total benefits and expenses		61			55			17			133			177			310

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		102			81			(7	)		176			(12	)		164
Provision (benefit) for income taxes		24			10			—			34			(10	)		24

INCOME (LOSS) FROM CONTINUING OPERATIONS		78			71			(7	)		142			(2	)		140
Less: net income attributable to noncontrolling interests		34			23			—			57			—			57

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		44			48			(7	)		85			(2	)		83

ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		2			—			—			2			—			2

NET OPERATING INCOME (LOSS)	$	46		$	48		$	(7	)	$	87		$	(2	)	$	85

Effective tax rate (operating income (loss))		21.2	%		14.2	%		-2.2	%		19.0	%		80.1	%		11.3	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—Global Mortgage Insurance Division

(amounts in millions)


	International Mortgage Insurance Segment
Nine months ended September 30, 2015	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	351		$	271		$	19		$	641		$	449		$	1,090
Net investment income		99			89			1			189			44			233
Net investment gains (losses)		(21	)		4			—			(17	)		1			(16	)
Insurance and investment product fees and other		—			(4	)		—			(4	)		3			(1	)

Total revenues		429			360			20			809			497			1,306

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		70			66			11			147			163			310
Acquisition and operating expenses, net of deferrals		50			74			26			150			113			263
Amortization of deferred acquisition costs and intangibles		27			14			—			41			7			48
Interest expense		14			7			—			21			—			21

Total benefits and expenses		161			161			37			359			283			642

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		268			199			(17	)		450			214			664
Provision for income taxes		70			60			6			136			76			212

INCOME (LOSS) FROM CONTINUING OPERATIONS		198			139			(23	)		314			138			452
Less: net income attributable to noncontrolling interests		91			59			—			150			—			150

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		107			80			(23	)		164			138			302

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		8			(1	)		—			7			—			7
(Gains) losses on early extinguishment of debt, net		—			1			—			1			—			1
Tax impact from potential business portfolio changes		—			—			7			7			—			7

NET OPERATING INCOME (LOSS)	$	115		$	80		$	(16	)	$	179		$	138		$	317

Effective tax rate (operating income (loss))		27.5	%		29.5	%		7.4	%		29.7	%		35.6	%		32.4	%

	International Mortgage Insurance Segment
Nine months ended September 30, 2014	Canada			Australia			Other Countries			Total International Mortgage Insurance Segment			U.S. Mortgage Insurance Segment			Total
REVENUES:
Premiums	$	388		$	304		$	22		$	714		$	427		$	1,141
Net investment income		117			108			2			227			48			275
Net investment gains (losses)		5			—			—			5			—			5
Insurance and investment product fees and other		1			(11	)		1			(9	)		1			(8	)

Total revenues		511			401			25			937			476			1,413

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		69			63			18			150			266			416
Acquisition and operating expenses, net of deferrals		67			67			26			160			102			262
Amortization of deferred acquisition costs and intangibles		29			16			—			45			5			50
Interest expense		16			8			—			24			—			24

Total benefits and expenses		181			154			44			379			373			752

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		330			247			(19	)		558			103			661
Provision (benefit) for income taxes		87			46			(1	)		132			33			165

INCOME (LOSS) FROM CONTINUING OPERATIONS		243			201			(18	)		426			70			496
Less: net income attributable to noncontrolling interests		110			34			—			144			—			144

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		133			167			(18	)		282			70			352

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		(1	)		—			—			(1	)		—			(1	)
(Gains) losses on early extinguishment of debt, net		2			—			—			2			—			2

NET OPERATING INCOME (LOSS)	$	134		$	167		$	(18	)	$	283		$	70		$	353

Effective tax rate (operating income (loss))		26.4	%		19.3	%		6.4	%		23.5	%		32.1	%		25.4	%

International Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income—International Mortgage Insurance Segment

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	215		$	211		$	215		$	641		$	236		$	242		$	237		$	235		$	950
Net investment income		60			63			66			189			76			78			75			74			303
Net investment gains (losses)		(20	)		20			(17	)		(17	)		(4	)		(4	)		12			(3	)		1
Insurance and investment product fees and other		(2	)		1			(3	)		(4	)		(5	)		(7	)		(4	)		2			(14	)

Total revenues		253			295			261			809			303			309			320			308			1,240

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		54			49			44			147			54			58			45			47			204
Acquisition and operating expenses, net of deferrals		52			56			42			150			63			52			59			49			223
Amortization of deferred acquisition costs and intangibles		13			14			14			41			14			15			15			15			59
Interest expense		8			6			7			21			7			8			8			8			31

Total benefits and expenses		127			125			107			359			138			133			127			119			517

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		126			170			154			450			165			176			193			189			723
Provision for income taxes		42			48			46			136			226			34			42			56			358

INCOME (LOSS) FROM CONTINUING OPERATIONS		84			122			108			314			(61	)		142			151			133			365
Less: net income attributable to noncontrolling interests		46			54			50			150			52			57			52			35			196

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		38			68			58			164			(113	)		85			99			98			169
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		8			(7	)		6			7			1			2			(4	)		1			—
(Gains) losses on early extinguishment of debt, net		1			—			—			1			—			—			2			—			2
Tax impact from potential business portfolio changes		7			—			—			7			174			—			—			—			174

NET OPERATING INCOME⁽¹⁾	$	54		$	61		$	64		$	179		$	62		$	87		$	97		$	99		$	345

Effective tax rate (operating income)		28.8	%		29.2	%		30.7	%		29.7	%		34.5	%		19.0	%		18.8	%		30.7	%		25.7	%

⁽¹⁾	Net operating income adjusted for foreign exchange as compared to the prior year period for the International Mortgage Insurance segment was $67 million and $211 million for the three and nine months ended September 30, 2015, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	116		$	116		$	119		$	351		$	127		$	130		$	128		$	130		$	515
Net investment income		32			33			34			99			38			39			39			39			155
Net investment gains (losses)		(23	)		20			(18	)		(21	)		(7	)		(4	)		12			(3	)		(2	)
Insurance and investment product fees and other		(1	)		—			1			—			—			(2	)		1			2			1

Total revenues		124			169			136			429			158			163			180			168			669

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		24			21			25			70			33			28			15			26			102
Acquisition and operating expenses, net of deferrals		16			22			12			50			23			18			28			21			90
Amortization of deferred acquisition costs and intangibles		9			9			9			27			9			10			9			10			38
Interest expense		5			4			5			14			5			5			6			5			21

Total benefits and expenses		54			56			51			161			70			61			58			62			251

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		70			113			85			268			88			102			122			106			418
Provision for income taxes		17			31			22			70			24			24			32			31			111

INCOME FROM CONTINUING OPERATIONS		53			82			63			198			64			78			90			75			307
Less: net income attributable to noncontrolling interests		24			38			29			91			30			34			41			35			140

INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		29			44			34			107			34			44			49			40			167

ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		9			(7	)		6			8			2			2			(4	)		1			1
(Gains) losses on early extinguishment of debt, net		—			—			—			—			—			—			2			—			2

NET OPERATING INCOME⁽¹⁾	$	38		$	37		$	40		$	115		$	36		$	46		$	47		$	41		$	170


Effective tax rate (operating income)		27.2	%		27.3	%		27.9	%		27.5	%		29.4	%		21.2	%		26.3	%		31.6	%		27.1	%

SALES:
New Insurance Written (NIW)
Flow	$	6,600		$	5,400		$	3,300		$	15,300		$	5,500		$	6,800		$	5,000		$	2,900		$	20,200
Bulk		4,800			3,300			5,000			13,100			2,300			5,600			7,500			2,900			18,300

Total Canada NIW⁽²⁾	$	11,400		$	8,700		$	8,300		$	28,400		$	7,800		$	12,400		$	12,500		$	5,800		$	38,500

⁽¹⁾	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $45 million and $132 million for the three and nine months ended September 30, 2015, respectively.

⁽²⁾	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $13,400 million and $32,300 million for the three and nine months ended September 30, 2015, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	92		$	90		$	89		$	271		$	102		$	105		$	102		$	97		$	406
Net investment income		28			29			32			89			36			38			36			34			144
Net investment gains (losses)		3			—			1			4			3			—			—			—			3
Insurance and investment product fees and other		(1	)		1			(4	)		(4	)		(5	)		(7	)		(4	)		—			(16	)

Total revenues		122			120			118			360			136			136			134			131			537

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		27			25			14			66			15			22			24			17			78
Acquisition and operating expenses, net of deferrals		27			25			22			74			30			25			23			19			97
Amortization of deferred acquisition costs and intangibles		4			5			5			14			5			5			6			5			21
Interest expense		3			2			2			7			2			3			2			3			10

Total benefits and expenses		61			57			43			161			52			55			55			44			206

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		61			63			75			199			84			81			79			87			331
Provision for income taxes		18			18			24			60			202			10			11			25			248

INCOME (LOSS) FROM CONTINUING OPERATIONS		43			45			51			139			(118	)		71			68			62			83
Less: net income attributable to noncontrolling interests		22			16			21			59			22			23			11			—			56

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		21			29			30			80			(140	)		48			57			62			27

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		(1	)		—			—			(1	)		(1	)		—			—			—			(1	)
(Gains) losses on early extinguishment of debt, net		1			—			—			1			—			—			—			—			—
Tax impact from potential business portfolio changes		—			—			—			—			174			—			—			—			174

NET OPERATING INCOME⁽¹⁾	$	21		$	29		$	30		$	80		$	33		$	48		$	57		$	62		$	200


Effective tax rate (operating income)		28.0	%		29.5	%		30.5	%		29.5	%		34.8	%		14.2	%		10.4	%		29.0	%		22.3	%

SALES:
New Insurance Written (NIW)
Flow	$	6,300		$	6,500		$	5,800		$	18,600		$	8,000		$	8,100		$	7,900		$	7,800		$	31,800
Bulk		—			1,700			—			1,700			100			1,000			—			—			1,100

Total Australia NIW⁽²⁾	$	6,300		$	8,200		$	5,800		$	20,300		$	8,100		$	9,100		$	7,900		$	7,800		$	32,900

⁽¹⁾	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $27 million and $95 million for the three and nine months ended September 30, 2015, respectively.

⁽²⁾	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $7,900 million and $24,100 million for the three and nine months ended September 30, 2015, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	7		$	5		$	7		$	19		$	7		$	7		$	7		$	8		$	29
Net investment income		—			1			—			1			2			1			—			1			4
Net investment gains (losses)		—			—			—			—			—			—			—			—			—
Insurance and investment product fees and other		—			—			—			—			—			2			(1	)		—			1

Total revenues		7			6			7			20			9			10			6			9			34

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		3			3			5			11			6			8			6			4			24
Acquisition and operating expenses, net of deferrals		9			9			8			26			10			9			8			9			36
Amortization of deferred acquisition costs and intangibles		—			—			—			—			—			—			—			—			—
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		12			12			13			37			16			17			14			13			60

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(5	)		(6	)		(6	)		(17	)		(7	)		(7	)		(8	)		(4	)		(26	)
Provision (benefit) for income taxes		7			(1	)		—			6			—			—			(1	)		—			(1	)

LOSS FROM CONTINUING OPERATIONS		(12	)		(5	)		(6	)		(23	)		(7	)		(7	)		(7	)		(4	)		(25	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—

LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		(12	)		(5	)		(6	)		(23	)		(7	)		(7	)		(7	)		(4	)		(25	)

ADJUSTMENTS TO LOSS FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net		—			—			—			—			—			—			—			—			—
Tax impact from potential business portfolio changes		7			—			—			7			—			—			—			—			—

NET OPERATING LOSS⁽¹⁾	$	(5	)	$	(5	)	$	(6	)	$	(16	)	$	(7	)	$	(7	)	$	(7	)	$	(4	)	$	(25	)


Effective tax rate (operating loss)		8.2	%		10.0	%		4.9	%		7.4	%		-4.2	%		-2.2	%		11.3	%		10.3	%		3.8	%

SALES:
New Insurance Written (NIW)
Flow	$	600		$	500		$	400		$	1,500		$	500		$	400		$	500		$	400		$	1,800
Bulk		—			—			200			200			—			—			—			—			—

Total Other Countries NIW⁽²⁾	$	600		$	500		$	600		$	1,700		$	500		$	400		$	500		$	400		$	1,800

⁽¹⁾	Net operating loss for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $5 million and $16 million for the three and nine months ended September 30, 2015, respectively.

⁽²⁾	New insurance written for the Other Countries platform adjusted for foreign exchange as compared to the prior year period was $700 million and $2,000 million for the three and nine months ended September 30, 2015, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written
Canada	$	204		$	166		$	109		$	479		$	160		$	200		$	146		$	77		$	583
Australia		79			107			87			273			128			130			125			126			509
Other Countries⁽¹⁾		7			6			6			19			6			6			1			6			19

Total Net Premiums Written	$	290		$	279		$	202		$	771		$	294		$	336		$	272		$	209		$	1,111

Loss Ratio⁽²⁾
Canada		21	%		17	%		22	%		20	%		26	%		21	%		12	%		20	%		20	%
Australia⁽³⁾		29	%		28	%		15	%		24	%		15	%		21	%		23	%		17	%		19	%
Other Countries		48	%		43	%		81	%		58	%		84	%		105	%		90	%		55	%		83	%
Total Loss Ratio		25	%		23	%		21	%		23	%		23	%		24	%		19	%		20	%		21	%

GAAP Basis Expense Ratio⁽⁴⁾
Canada⁽⁵⁾		22	%		27	%		18	%		22	%		26	%		22	%		29	%		23	%		25	%
Australia⁽⁶⁾		34	%		33	%		30	%		33	%		34	%		28	%		28	%		25	%		29	%
Other Countries⁽¹⁾		143	%		143	%		125	%		137	%		115	%		126	%		131	%		107	%		120	%
Total GAAP Basis Expense Ratio		31	%		33	%		26	%		30	%		32	%		28	%		32	%		27	%		30	%

Adjusted Expense Ratio⁽⁷⁾
Canada⁽⁸⁾		12	%		19	%		20	%		16	%		20	%		14	%		26	%		39	%		22	%
Australia⁽⁹⁾		40	%		28	%		31	%		32	%		27	%		23	%		23	%		20	%		23	%
Other Countries⁽¹⁾		132	%		135	%		132	%		133	%		132	%		150	%		NM	⁽¹⁰⁾		142	%		186	%
Total Adjusted Expense Ratio		23	%		25	%		28	%		25	%		26	%		20	%		28	%		30	%		25	%

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

⁽¹⁾	Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe.

⁽²⁾	The ratio of incurred losses and loss adjustment expenses to net earned premiums.

⁽³⁾

During the third quarter of 2015, the company increased reserves $9 million mainly related to the estimate of the period of time it takes for a delinquent loan to be reported and increased net earned premiums $8 million from refinements to premium recognition factors. These adjustments unfavorably impacted the loss ratio by seven percentage points for the three months ended September 30, 2015. During the first quarter of 2015, the company accrued a $7 million pre-tax receivable for expected recoveries relating to paid claims reflecting its experience of successful borrower recovery activity, which favorably impacted the loss ratio by nine percentage points for the three months ended March 31, 2015.

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

⁽⁵⁾	The debt early redemption payment of $6 million in the second quarter of 2014 unfavorably impacted the GAAP basis expense ratio for the three months ended June 30, 2014 and the twelve months ended December 31, 2014 by five percentage points and one percentage point, respectively.

⁽⁶⁾	The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted the GAAP basis expense ratio for the three and nine months ended September 30, 2015 by two percentage points and one percentage point, respectively.

⁽⁷⁾	The ratio of an insurer’s general expenses to net premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.

⁽⁸⁾	The debt early redemption payment of $6 million in the second quarter of 2014 unfavorably impacted the adjusted expense ratio for the three months ended June 30, 2014 and the twelve months ended December 31, 2014 by five percentage points and one percentage point, respectively.

⁽⁹⁾	The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted the adjusted expense ratio for the three months ended September 30, 2015 by two percentage points.

⁽¹⁰⁾	“NM” is defined as not meaningful for percentages greater than 200%.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment

(amounts in millions)


	2015						2014
	3Q		2Q		1Q		4Q		3Q		2Q		1Q
Primary Insurance In-Force
Canada⁽¹⁾	$	292,000	$	300,900	$	288,800	$	306,600	$	310,800	$	314,500	$	291,900
Australia		224,100		243,800		240,900		256,000		271,100		288,500		281,000
Other Countries		20,400		20,500		19,800		21,900		23,900		26,000		26,200

Total Primary Insurance In-Force	$	536,500	$	565,200	$	549,500	$	584,500	$	605,800	$	629,000	$	599,100

Primary Risk In-Force⁽²⁾
Canada
Flow	$	75,500	$	78,500	$	75,700	$	81,300	$	82,600	$	84,500	$	80,100
Bulk		26,700		26,800		25,400		26,000		26,200		25,600		22,100

Total Canada		102,200		105,300		101,100		107,300		108,800		110,100		102,200

Australia
Flow		72,900		79,100		78,600		83,400		88,100		93,800		91,100
Bulk		5,500		6,200		5,700		6,200		6,800		7,200		7,200

Total Australia		78,400		85,300		84,300		89,600		94,900		101,000		98,300

Other Countries
Flow^(3),(4)		2,000		2,000		2,000		2,200		3,000		3,200		3,300
Bulk		300		300		300		300		300		400		400

Total Other Countries		2,300		2,300		2,300		2,500		3,300		3,600		3,700

Total Primary Risk In-Force	$	182,900	$	192,900	$	187,700	$	199,400	$	207,000	$	214,700	$	204,200

⁽¹⁾

As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding balances in Canada from most of its customers. As a result, the company estimates that the outstanding balance of insured mortgages was approximately $142.0 billion, $137.0 billion, $145.0 billion, $148.0 billion, $152.0 billion and $141.0 billion as of June 30, 2015, March 31, 2015, December 31, 2014, September 30, 2014, June 30, 2014 and March 31, 2014. This is based on the extrapolation of the amounts reported by lenders to the entire insured population.

⁽²⁾

The businesses in Australia and Canada currently provide 100% coverage on the majority of the loans the company insures in those markets. For the purpose of representing the risk in-force, the company has computed an “effective risk in-force” amount which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor that represents the highest expected average per-claim payment for any one underwriting year over the life of the businesses in Australia and Canada. This factor was 35% for all periods presented. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor.

⁽³⁾

Includes the impact of settlements and cancelled insurance contracts, primarily with lenders in Europe. Primary flow risk in-force excludes $320 million, $300 million, $271 million, $296 million, $290 million, $298 million and $282 million of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2015, June 30, 2015, March 31, 2015, December 31, 2014, September 30, 2014, June 30, 2014 and March 31, 2014, respectively.

⁽⁴⁾	Beginning in the fourth quarter of 2014, risk in-force reflects a maximum risk exposure of approximately $60 million with one lender in Ireland as a result of a settlement completed during the fourth quarter of 2014.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment—Canada

(dollar amounts in millions)


Primary Insurance	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
Insured loans in-force^(1),(2)		1,785,541			1,737,083			1,704,483			1,673,505			1,646,223
Insured delinquent loans		1,715			1,666			1,792			1,756			1,708
Insured delinquency rate^(2),(3)		0.10	%		0.10	%		0.11	%		0.10	%		0.10	%

Flow loans in-force⁽¹⁾		1,313,034			1,287,744			1,266,626			1,255,050			1,236,206
Flow delinquent loans		1,449			1,435			1,532			1,493			1,477
Flow delinquency rate⁽³⁾		0.11	%		0.11	%		0.12	%		0.12	%		0.12	%

Bulk loans in-force⁽¹⁾		472,507			449,339			437,857			418,455			410,017
Bulk delinquent loans		266			231			260			263			231
Bulk delinquency rate⁽³⁾		0.06	%		0.05	%		0.06	%		0.06	%		0.06	%

Loss Metrics	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
Beginning Reserves	$	85		$	85		$	91		$	89		$	90
Paid claims⁽⁴⁾		(20	)		(21	)		(22	)		(24	)		(24	)
Increase in reserves		23			19			24			29			27
Impact of changes in foreign exchange rates		(5	)		2			(8	)		(3	)		(4	)

Ending Reserves	$	83		$	85		$	85		$	91		$	89


	September 30, 2015						June 30, 2015						September 30, 2014
Province and Territory	% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate
Ontario		46	%		0.05	%		46	%		0.04	%		46	%		0.06%
Alberta		17			0.10	%		17			0.09	%		17			0.09%
British Columbia		14			0.10	%		14			0.11	%		14			0.15%
Quebec		13			0.18	%		14			0.19	%		14			0.18%
Saskatchewan		3			0.15	%		3			0.13	%		3			0.12%
Nova Scotia		2			0.20	%		2			0.20	%		2			0.21%
Manitoba		2			0.08	%		2			0.07	%		2			0.04%
New Brunswick		1			0.19	%		1			0.18	%		1			0.22%
All Other		2			0.11	%		1			0.12	%		1			0.11%

Total		100	%		0.10	%		100	%		0.10	%		100	%		0.10%

By Policy Year
2006 and prior		29	%		0.03	%		29	%		0.02	%		31	%		0.03%
2007		8			0.14	%		8			0.15	%		9			0.17%
2008		6			0.17	%		7			0.20	%		7			0.21%
2009		4			0.15	%		4			0.16	%		5			0.23%
2010		7			0.21	%		7			0.20	%		8			0.25%
2011		7			0.25	%		7			0.25	%		8			0.25%
2012		9			0.21	%		10			0.19	%		11			0.16%
2013		9			0.13	%		10			0.10	%		11			0.06%
2014		11			0.06	%		12			0.05	%		10			0.01%
2015		10			—	%		6			—	%		—			— %

Total		100	%		0.10	%		100	%		0.10	%		100	%		0.10%

⁽¹⁾	Insured loans in-force represent the original number of loans insured for which the coverage term has not expired, and for which no policy level cancellation or termination has been received.

⁽²⁾

As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding loans in-force in Canada from most of its customers. As a result, the company estimates that the outstanding loans in-force were 828,000 as of June 30, 2015, 809,100 as of March 31, 2015, 793,700 as of December 31, 2014 and 783,700 as of September 30, 2014. This is based on the extrapolation of the amounts reported by lenders to the entire insured population. The corresponding insured delinquency rate was 0.20% as of June 30, 2015 and 0.22% as of March 31, 2015, December 31, 2014 and September 30, 2014.

⁽³⁾	Delinquency rates are based on insured loans in-force.

⁽⁴⁾	Paid claims exclude adjustments for expected recoveries related to loss reserves and prior paid claims.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment—Canada

(Canadian dollar amounts in millions)


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

Total Paid Claims	$	26		$	26		$	27		$	79	$	27		$	26		$	28		$	29		$	110


Average Paid Claim (in thousands)	$	66.2		$	58.7		$	67.9				$	60.2		$	63.9		$	63.4		$	66.4

Average Reserve Per Delinquency (in thousands)	$	64.2		$	63.6		$	60.4				$	60.2		$	58.4		$	56.4		$	57.5

Loss Metrics

Beginning Reserves	$	106		$	108		$	106				$	100		$	96		$	107		$	108
Paid claims⁽¹⁾		(26	)		(26	)		(27	)				(27	)		(26	)		(28	)		(29	)
Increase in reserves		30			24			29					33			30			17			28

Ending Reserves	$	110		$	106		$	108				$	106		$	100		$	96		$	107

Loan Amount⁽²⁾

Over $550K		7	%		6	%		6	%				6	%		6	%		5	%		5	%
$400K to $550K		12			12			12					11			11			11			11
$250K to $400K		33			33			33					33			32			32			32
$100K to $250K		44			44			44					45			46			47			47
$100K or Less		4			5			5					5			5			5			5

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


Average Primary Loan Size (in thousands)	$	218		$	216		$	215				$	213		$	212		$	209		$	208

Average Effective Loan-To-Value Ratios By Policy Year⁽³⁾

2006 and prior		35	%		35	%		36	%				36	%		38	%		39	%		39	%
2007		60	%		61	%		61	%				61	%		64	%		64	%		65	%
2008		67	%		68	%		68	%				68	%		71	%		71	%		71	%
2009		65	%		66	%		66	%				66	%		69	%		70	%		70	%
2010		71	%		73	%		73	%				73	%		76	%		77	%		77	%
2011		75	%		77	%		77	%				77	%		80	%		81	%		81	%
2012		80	%		82	%		82	%				82	%		86	%		86	%		87	%
2013		84	%		86	%		86	%				87	%		90	%		91	%		91	%
2014		90	%		92	%		92	%				92	%		93	%		93	%		—	%
2015		93	%		93	%		—	%				—	%		—	%		—	%		—	%
Total Flow		55	%		56	%		56	%				56	%		57	%		57	%		57	%

Total Bulk		43	%		42	%		42	%				42	%		42	%		41	%		41	%
Total		52	%		52	%		52	%				52	%		53	%		54	%		54	%

All amounts presented in Canadian dollars.

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

⁽²⁾	The percentages in this table are based on the amount of primary insurance in-force in each loan band as a percentage of total insurance in-force.

⁽³⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment—Australia

(dollar amounts in millions)


Primary Insurance	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
Insured loans in-force		1,479,676			1,481,755			1,498,197			1,496,616			1,490,221
Insured delinquent loans		5,804			5,900			5,378			4,953			5,300
Insured delinquency rate		0.39	%		0.40	%		0.36	%		0.33	%		0.36	%

Flow loans in-force		1,364,537			1,364,653			1,382,156			1,378,584			1,370,136
Flow delinquent loans		5,545			5,623			5,112			4,714			5,031
Flow delinquency rate		0.41	%		0.41	%		0.37	%		0.34	%		0.37	%

Bulk loans in-force		115,139			117,102			116,041			118,032			120,085
Bulk delinquent loans		259			277			266			239			269
Bulk delinquency rate		0.22	%		0.24	%		0.23	%		0.20	%		0.22	%

Loss Metrics	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
Beginning Reserves	$	160		$	149		$	152		$	161		$	171
Paid claims⁽¹⁾		(16	)		(15	)		(14	)		(14	)		(19	)
Increase in reserves		27			25			21			15			22
Impact of changes in foreign exchange rates		(15	)		1			(10	)		(10	)		(13	)

Ending Reserves	$	156		$	160		$	149		$	152		$	161


	September 30, 2015						June 30, 2015						September 30, 2014
State and Territory	% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate
New South Wales		29	%		0.30	%		29	%		0.30	%		29	%		0.30%
Queensland		23			0.57	%		23			0.57	%		23			0.49%
Victoria		23			0.35	%		23			0.34	%		23			0.32%
Western Australia		11			0.45	%		11			0.45	%		11			0.34%
South Australia		6			0.50	%		6			0.52	%		6			0.43%
Australian Capital Territory		3			0.15	%		3			0.14	%		3			0.13%
Tasmania		2			0.31	%		2			0.35	%		2			0.31%
New Zealand		2			0.23	%		2			0.27	%		2			0.26%
Northern Territory		1			0.21	%		1			0.24	%		1			0.21%

Total		100	%		0.39	%		100	%		0.40	%		100	%		0.36%


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

Total		100	%		0.39	%		100	%		0.40	%		100	%		0.36%

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment—Australia

(Australian dollar amounts in millions)


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

Total Paid Claims	$	21		$	19		$	18		$	58	$	15		$	21		$	25		$	30		$	91


Average Paid Claim (in thousands)	$	65.9		$	66.9		$	62.5				$	49.5		$	58.6		$	60.5		$	65.1

Average Reserve Per Delinquency (in thousands)	$	38.3		$	35.2		$	36.4				$	37.6		$	34.8		$	33.6		$	35.7

Loss Metrics
Beginning Reserves	$	208		$	196		$	186				$	184		$	181		$	181		$	192
Paid claims⁽¹⁾		(21	)		(19	)		(18	)				(15	)		(21	)		(25	)		(30	)
Increase in reserves		35			31			28					17			24			25			19

Ending Reserves	$	222		$	208		$	196				$	186		$	184		$	181		$	181

Loan Amount⁽²⁾
Over $550K		15	%		14	%		13	%				13	%		13	%		12	%		12	%
$400K to $550K		19			19			19					18			18			18			18
$250K to $400K		36			36			37					37			37			37			37
$100K to $250K		25			25			26					26			26			27			27
$100K or Less		5			6			5					6			6			6			6

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


Average Primary Loan Size (in thousands)	$	216		$	213		$	211				$	210		$	208		$	207		$	205

Average Effective Loan-To-Value Ratios By Policy Year⁽³⁾

2006 and prior		34	%		35	%		36	%				36	%		38	%		38	%		40	%
2007		55	%		56	%		57	%				58	%		60	%		61	%		63	%
2008		62	%		63	%		65	%				66	%		67	%		68	%		70	%
2009		64	%		65	%		67	%				68	%		69	%		70	%		73	%
2010		68	%		70	%		72	%				73	%		74	%		76	%		78	%
2011		70	%		72	%		73	%				74	%		76	%		77	%		80	%
2012		71	%		72	%		74	%				75	%		77	%		78	%		80	%
2013		75	%		76	%		78	%				79	%		81	%		82	%		84	%
2014		82	%		84	%		85	%				86	%		87	%		87	%		—	%
2015		87	%		87	%		—	%				—	%		—	%		—	%		—	%
Total Flow		59	%		59	%		60	%				60	%		61	%		61	%		62	%

Total Bulk		27	%		26	%		27	%				28	%		28	%		29	%		30	%
Total		56	%		56	%		56	%				57	%		58	%		58	%		59	%

All amounts presented in Australian dollars.

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

⁽²⁾	The percentages in this table are based on the amount of primary insurance in-force in each loan band as a percentage of total insurance in-force.

⁽³⁾

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Selected Key Performance Measures—International Mortgage Insurance Segment

(amounts in millions)


Risk In-Force by Loan-To-Value Ratio⁽¹⁾	September 30, 2015						June 30, 2015
	Primary		Flow		Bulk		Primary		Flow		Bulk
Canada
95.01% and above	$	35,931	$	35,931	$	—	$	37,068	$	37,068	$	—
90.01% to 95.00%		22,766		22,766		—		23,753		23,753		—
80.01% to 90.00%		13,978		13,975		3		14,714		14,711		3
80.00% and below		29,541		2,790		26,751		29,767		2,922		26,845

Total Canada	$	102,216	$	75,462	$	26,754	$	105,302	$	78,454	$	26,848

Australia
95.01% and above	$	14,697	$	14,697	$	—	$	16,261	$	16,261	$	—
90.01% to 95.00%		19,883		19,877		6		21,496		21,489		7
80.01% to 90.00%		20,522		20,460		62		22,200		22,131		69
80.00% and below		23,323		17,872		5,451		25,376		19,267		6,109

Total Australia	$	78,425	$	72,906	$	5,519	$	85,333	$	79,148	$	6,185

Other Countries⁽²⁾
95.01% and above	$	476	$	476	$	—	$	479	$	479	$	—
90.01% to 95.00%		1,139		1,097		42		1,134		1,087		47
80.01% to 90.00%		555		361		194		575		359		216
80.00% and below		143		117		26		146		117		29

Total Other Countries	$	2,313	$	2,051	$	262	$	2,333	$	2,041	$	292

Amounts may not total due to rounding.

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

⁽²⁾	Other Countries flow and primary risk in-force exclude $320 million and $300 million, respectively, of risk in-force in Europe ceded under quota share reinsurance agreements as of September 30, 2015 and June 30, 2015.

U.S. Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	146		$	153		$	150		$	449		$	151		$	146		$	144		$	137		$	578
Net investment income		12			13			19			44			11			19			11			18			59
Net investment gains (losses)		1			—			—			1			—			—			—			—			—
Insurance and investment product fees and other		2			—			1			3			1			—			1			—			2

Total revenues		161			166			170			497			163			165			156			155			639

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		63			50			50			163			91			141			62			63			357
Acquisition and operating expenses, net of deferrals		38			38			37			113			38			35			34			33			140
Amortization of deferred acquisition costs and intangibles		3			2			2			7			2			1			2			2			7

Total benefits and expenses		104			90			89			283			131			177			98			98			504

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		57			76			81			214			32			(12	)		58			57			135
Provision (benefit) for income taxes		20			27			29			76			11			(10	)		19			24			44

INCOME (LOSS) FROM CONTINUING OPERATIONS		37			49			52			138			21			(2	)		39			33			91
ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		—			—			—			—			—			—			—			—			—

NET OPERATING INCOME (LOSS)	$	37		$	49		$	52		$	138		$	21		$	(2	)	$	39		$	33		$	91

Effective tax rate (operating income (loss))		35.4	%		35.6	%		35.7	%		35.6	%		32.5	%		80.1	%		32.4	%		42.0	%		32.2	%

SALES:
New Insurance Written (NIW)
Flow	$	9,300		$	8,200		$	6,300		$	23,800		$	6,900		$	7,500		$	6,100		$	3,900		$	24,400
Bulk		—			—			—			—			—			—			—			—			—

Total U.S. Mortgage Insurance NIW	$	9,300		$	8,200		$	6,300		$	23,800		$	6,900		$	7,500		$	6,100		$	3,900		$	24,400

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Flow New Insurance Written Metrics—U.S. Mortgage Insurance Segment

(amounts in millions)


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

Total Flow	$	9,300				$	8,200				$	6,300				$	6,900				$	7,500				$	6,100				$	3,900


	Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW
FICO Scores
Over 735	$	5,500		59	%	$	5,000		61	%	$	3,700		59	%	$	4,100		59	%	$	4,400		59	%	$	3,600		59	%	$	2,400		61	%
680—735		3,000		32			2,500		30			2,100		33			2,200		32			2,400		32			2,000		33			1,200		31
660—679⁽²⁾		500		6			400		5			300		5			300		5			400		5			300		5			200		5
620—659		300		3			300		4			200		3			300		4			300		4			200		3			100		3
<620		—		—			—		—			—		—			—		—			—		—			—		—			—		—

Total Flow	$	9,300		100	%	$	8,200		100	%	$	6,300		100	%	$	6,900		100	%	$	7,500		100	%	$	6,100		100	%	$	3,900		100	%

Loan-To-Value Ratio
95.01% and above	$	500		5	%	$	400		5	%	$	300		5	%	$	100		2	%	$	200		3	%	$	100		2	%	$	100		3	%
90.01% to 95.00%		4,900		53			4,200		51			3,100		49			3,500		51			3,900		52			3,300		54			1,900		49
85.01% to 90.00%		3,000		32			2,600		32			2,000		32			2,300		33			2,400		32			1,900		31			1,300		33
85.00% and below		900		10			1,000		12			900		14			1,000		14			1,000		13			800		13			600		15

Total Flow	$	9,300		100	%	$	8,200		100	%	$	6,300		100	%	$	6,900		100	%	$	7,500		100	%	$	6,100		100	%	$	3,900		100	%

Origination
Purchase	$	8,100		87	%	$	6,500		79	%	$	4,300		68	%	$	5,300		77	%	$	6,400		85	%	$	5,100		84	%	$	3,000		77	%
Refinance		1,200		13			1,700		21			2,000		32			1,600		23			1,100		15			1,000		16			900		23

Total Flow	$	9,300		100	%	$	8,200		100	%	$	6,300		100	%	$	6,900		100	%	$	7,500		100	%	$	6,100		100	%	$	3,900		100	%

⁽¹⁾	Includes loans with annual and split payment types.

⁽²⁾	Loans with unknown FICO scores are included in the 660-679 category.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Other Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	171		$	170		$	170		$	511		$	171		$	162		$	151		$	144		$	628

New Risk Written
Flow	$	2,364		$	2,040		$	1,557		$	5,961		$	1,703		$	1,878		$	1,521		$	960		$	6,062
Bulk		—			—			—			—			—			—			—			—			—

Total Primary		2,364			2,040			1,557			5,961			1,703			1,878			1,521			960			6,062
Pool		—			—			—			—			—			—			—			—			—

Total New Risk Written	$	2,364		$	2,040		$	1,557		$	5,961		$	1,703		$	1,878		$	1,521		$	960		$	6,062


Primary Insurance In-Force	$	120,400		$	117,100		$	115,200					$	114,400		$	112,400		$	110,500		$	109,100

Risk In-Force
Flow	$	30,001		$	29,026		$	28,415					$	28,112		$	27,507		$	26,880		$	26,405
Bulk⁽¹⁾		349			360			387						402			419			434			442

Total Primary		30,350			29,386			28,802						28,514			27,926			27,314			26,847
Pool		129			137			142						151			159			163			171

Total Risk In-Force	$	30,479		$	29,523		$	28,944					$	28,665		$	28,085		$	27,477		$	27,018


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

GAAP Basis Expense Ratio⁽²⁾		28	%		26	%		26	%		27	%		26	%		25	%		25	%		25	%		25	%

Adjusted Expense Ratio⁽³⁾		24	%		23	%		23	%		23	%		23	%		23	%		23	%		24	%		23	%

Flow Persistency		80	%		79	%		81	%					83	%		80	%		83	%		85	%

Risk To Capital Ratio⁽⁴⁾		14.3:1			13.7:1			14.1:1						14.5:1			15.4:1			14.6:1			18.7:1

Average Primary Loan Size (in thousands)	$	186		$	184		$	182					$	181		$	180		$	178		$	176

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

⁽¹⁾	As of September 30, 2015, 87% of our bulk risk in-force was related to loans financed by lenders who participated in the mortgage programs sponsored by the Federal Home Loan Banks.

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

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

⁽⁴⁾

Certain states limit a private mortgage insurer’s risk in-force to 25 times the total of the insurer’s policyholders’ surplus plus the statutory contingency reserve, commonly known as the “risk to capital” requirement. The current period risk to capital ratio is an estimate due to the timing of the filing of statutory statements and is prepared consistent with the presentation of the statutory financial statements in the combined annual statement of the U.S. mortgage insurance business.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Loss Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Paid Claims
Flow
Direct	$	98		$	131		$	130		$	359		$	142		$	148		$	148		$	178		$	616
Assumed⁽¹⁾		3			4			5			12			3			4			6			6			19
Ceded		—			(1	)		(16	)		(17	)		(4	)		(3	)		(4	)		(15	)		(26	)
Loss adjustment expenses		3			3			4			10			4			4			4			5			17

Total Flow		104			137			123			364			145			153			154			174			626
Bulk		1			2			2			5			2			2			2			2			8

Total Primary		105			139			125			369			147			155			156			176			634
Pool		—			1			1			2			2			1			1			1			5

Total Paid Claims	$	105		$	140		$	126		$	371		$	149		$	156		$	157		$	177		$	639


Average Paid Claim (in thousands)	$	54.0		$	50.8		$	46.5					$	46.6		$	47.6		$	47.2		$	43.6

Average Reserve Per Delinquency (in thousands)
Flow	$	29.4		$	30.6		$	31.0					$	30.2		$	30.7		$	30.0		$	30.3
Bulk loans with established reserve		20.0			21.5			21.2						20.4			20.5			22.5			19.2
Bulk loans with no reserve⁽²⁾		—			—			—						—			—			—			—

Reserves:
Flow direct case	$	870		$	909		$	992					$	1,065		$	1,122		$	1,083		$	1,172
Bulk direct case		17			18			20						21			22			24			25
Assumed⁽¹⁾		9			12			15						21			21			24			29
All other⁽³⁾		57			57			60						73			74			125			129

Total Reserves	$	953		$	996		$	1,087					$	1,180		$	1,239		$	1,256		$	1,355


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

Ending Reserves	$	953		$	996		$	1,087		$	953		$	1,180		$	1,239		$	1,256		$	1,355		$	1,180


Beginning Reinsurance Recoverable⁽⁴⁾	$	6		$	7		$	24		$	24		$	25		$	27		$	31		$	44		$	44
Ceded paid claims		—			(1	)		(16	)		(17	)		(4	)		(2	)		(5	)		(15	)		(26	)
Increase in recoverable		—			—			(1	)		(1	)		3			—			1			2			6

Ending Reinsurance Recoverable	$	6		$	6		$	7		$	6		$	24		$	25		$	27		$	31		$	24

Loss Ratio⁽⁵⁾		43	%		33	%		33	%		36	%		61	%		97	%		43	%		46	%		62	%

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

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

⁽²⁾	Reserves were not established on loans where the company was in a secondary loss position due to an existing deductible and the company believes currently have no risk for claim.

⁽³⁾	Other includes loss adjustment expenses, pool and incurred but not reported reserves.

⁽⁴⁾	Reinsurance recoverable excludes ceded unearned premium recoveries and amounts for which cash proceeds have not yet been received.

⁽⁵⁾

The ratio of incurred losses and loss adjustment expenses to net earned premiums. Lender settlements of $53 million in the third quarter of 2014 increased the loss ratio by 37 percentage points and 9 percentage points for the three months ended September 30, 2014 and the twelve months ended December 31, 2014, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Delinquency Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


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

Total Number of Primary Delinquencies		32,989			33,199			35,665						39,786			41,147			42,605			45,861


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

Ending Number of Primary Delinquencies		32,989			33,199			35,665			32,989			39,786			41,147			42,605			45,861			39,786


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

Total		8,484			8,800			10,988						9,030			9,790			10,545			13,678


Primary Delinquencies by Missed Payment Status
3 payments or less		10,226			9,432			9,271						11,318			11,478			11,228			11,351
4 - 11 payments		7,376			7,824			9,086						9,684			9,610			9,913			11,463
12 payments or more		15,387			15,943			17,308						18,784			20,059			21,464			23,047

Primary Delinquencies		32,989			33,199			35,665						39,786			41,147			42,605			45,861



	September 30, 2015
Flow Delinquencies and Percentage Reserved by Payment Status	Delinquencies			Direct Case Reserves⁽²⁾			Risk In-Force			Reserves as % of Risk In-Force
3 payments or less in default		9,822		$	63		$	395			16	%
4 - 11 payments in default		7,187			183			298			61	%
12 payments or more in default		14,669			624			724			86	%

Total		31,678		$	870		$	1,417			61	%


	December 31, 2014
Flow Delinquencies and Percentage Reserved by Payment Status	Delinquencies			Direct Case Reserves⁽²⁾			Risk In-Force			Reserves as % of Risk In-Force
3 payments or less in default		10,849		$	76		$	426			18	%
4 - 11 payments in default		9,368			238			383			62	%
12 payments or more in default		17,960			751			895			84	%

Total		38,177		$	1,065		$	1,704			63	%

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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment


	2015									2014
	3Q			2Q			1Q			4Q			3Q			2Q			1Q
Primary Loans
Primary loans in-force		647,126			636,640			631,591			630,852			624,850			620,415			618,442
Primary delinquent loans		32,989			33,199			35,665			39,786			41,147			42,605			45,861
Primary delinquency rate		5.10	%		5.21	%		5.65	%		6.31	%		6.59	%		6.87	%		7.42	%

Flow loans in-force		620,430			608,615			601,472			599,206			591,823			585,719			582,553
Flow delinquent loans		31,678			31,876			34,220			38,177			39,485			40,897			43,733
Flow delinquency rate		5.11	%		5.24	%		5.69	%		6.37	%		6.67	%		6.98	%		7.51	%

Bulk loans in-force		26,696			28,025			30,119			31,646			33,027			34,696			35,889
Bulk delinquent loans		1,311			1,323			1,445			1,609			1,662			1,708			2,128
Bulk delinquency rate		4.91	%		4.72	%		4.80	%		5.08	%		5.03	%		4.92	%		5.93	%

A minus and sub-prime loans in-force		29,745			31,051			33,805			33,529			34,825			36,219			37,714
A minus and sub-prime delinquent loans		6,642			6,530			7,019			7,851			8,017			8,238			8,789
A minus and sub-prime delinquency rate		22.33	%		21.03	%		20.76	%		23.42	%		23.02	%		22.74	%		23.30	%

Pool Loans
Pool loans in-force		7,284			7,709			7,979			8,282			10,125			10,336			10,710
Pool delinquent loans		426			447			468			521			549			546			575
Pool delinquency rate		5.85	%		5.80	%		5.87	%		6.29	%		5.42	%		5.28	%		5.37	%

Primary Risk In-Force by Credit Quality
Over 735		52	%		52	%		52	%		51	%		51	%		51	%		50	%
680-735		31	%		31	%		31	%		31	%		30	%		30	%		30	%
660-679⁽¹⁾		7	%		7	%		7	%		7	%		7	%		7	%		8	%
620-659		7	%		7	%		7	%		8	%		8	%		8	%		8	%
< 620		3	%		3	%		3	%		3	%		4	%		4	%		4	%

⁽¹⁾	Loans with unknown FICO scores are included in the 660-679 category.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


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

Total		4.82	%		100.0	%	$	120,426		100.0	%	$	30,350		100.0	%		5.10	%


	September 30, 2015						June 30, 2015					September 30, 2014
	Primary Risk In-Force			Primary Delinquency Rate			Primary Risk In-Force		Primary Delinquency Rate			Primary Risk In-Force		Primary Delinquency Rate
Lender concentration (by original applicant)	$	30,350			5.10	%	$	29,386		5.21	%	$	27,926		6.59	%
Top 10 lenders		11,774			6.68	%		11,926		6.61	%		12,337		7.79	%
Top 20 lenders		14,233			5.93	%		14,065		6.12	%		14,309		7.63	%

Loan-to-value ratio
95.01% and above	$	6,429			8.15	%	$	6,540		7.87	%	$	6,912		9.02	%
90.01% to 95.00%		13,841			3.66	%		13,006		3.86	%		11,412		5.36	%
80.01% to 90.00%		9,761			4.85	%		9,513		5.07	%		9,230		6.40	%
80.00% and below		319			3.44	%		327		3.33	%		372		3.51	%

Total	$	30,350			5.10	%	$	29,386		5.21	%	$	27,926		6.59	%

Loan grade
Prime	$	29,233			4.27	%	$	28,221		4.40	%	$	26,627		5.62	%
A minus and sub-prime		1,117			22.33	%		1,165		21.03	%		1,299		23.02	%

Total	$	30,350			5.10	%	$	29,386		5.21	%	$	27,926		6.59	%

⁽¹⁾	Average Annual Mortgage Interest Rate.

⁽²⁾	Total reserves were $953 million as of September 30, 2015.

U.S. Life Insurance Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—U.S. Life Insurance Division

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	784		$	769		$	778		$	2,331		$	827		$	821		$	762		$	759		$	3,169
Net investment income		680			677			671			2,028			676			658			671			660			2,665
Net investment gains (losses)		(16	)		(7	)		(4	)		(27	)		12			1			25			3			41
Insurance and investment product fees and other		177			182			180			539			180			186			175			171			712

Total revenues		1,625			1,621			1,625			4,871			1,695			1,666			1,633			1,593			6,587

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,155			1,122			1,091			3,368			1,981			1,722			1,087			1,030			5,820
Interest credited		148			150			150			448			154			155			155			154			618
Acquisition and operating expenses, net of deferrals		176			167			163			506			168			173			156			161			658
Amortization of deferred acquisition costs and intangibles		530			75			73			678			98			91			81			75			345
Goodwill impairment		—			—			—			—			299			550			—			—			849
Interest expense		22			22			25			69			23			22			21			21			87

Total benefits and expenses		2,031			1,536			1,502			5,069			2,723			2,713			1,500			1,441			8,377

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(406	)		85			123			(198	)		(1,028	)		(1,047	)		133			152			(1,790	)
Provision (benefit) for income taxes		(144	)		31			43			(70	)		(278	)		(211	)		47			57			(385	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(262	)		54			80			(128	)		(750	)		(836	)		86			95			(1,405	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		6			2			1			9			(6	)		(3	)		(17	)		(1	)		(27	)
Goodwill impairment, net		—			—			—			—			274			517			—			—			791
(Gains) losses from life block transactions, net		296			—			—			296			—			—			—			—			—
Expenses related to restructuring, net		—			1			—			1			—			—			—			—			—

NET OPERATING INCOME (LOSS)	$	40		$	57		$	81		$	178		$	(482	)	$	(322	)	$	69		$	94		$	(641	)


Effective tax rate (operating income (loss))		35.3	%		35.3	%		35.3	%		35.3	%		34.7	%		35.8	%		35.6	%		37.3	%		34.7	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—U.S. Life Insurance Division

(amounts in millions)


	U.S. Life Insurance Segment
Three months ended September 30, 2015	Long-Term Care Insurance			Life Insurance			Fixed Annuities			Total U.S. Life Insurance Segment			Total
REVENUES:
Premiums	$	618		$	162		$	4		$	784		$	784
Net investment income		327			126			227			680			680
Net investment gains (losses)		4			(8	)		(12	)		(16	)		(16	)
Insurance and investment product fees and other		—			175			2			177			177

Total revenues		949			455			221			1,625			1,625

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		825			248			82			1,155			1,155
Interest credited		—			66			82			148			148
Acquisition and operating expenses, net of deferrals		112			48			16			176			176
Amortization of deferred acquisition costs and intangibles		24			487			19			530			530
Interest expense		—			22			—			22			22

Total benefits and expenses		961			871			199			2,031			2,031

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(12	)		(416	)		22			(406	)		(406	)
Provision (benefit) for income taxes		(5	)		(147	)		8			(144	)		(144	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(7	)		(269	)		14			(262	)		(262	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		(3	)		4			5			6			6
(Gains) losses from life block transactions, net		—			296			—			296			296

NET OPERATING INCOME (LOSS)	$	(10	)	$	31		$	19		$	40		$	40


Effective tax rate (operating income (loss))		35.3	%		35.3	%		35.3	%		35.3	%		35.3	%

	U.S. Life Insurance Segment
Three months ended September 30, 2014	Long-Term Care Insurance			Life Insurance			Fixed Annuities			Total U.S. Life Insurance Segment			Total
REVENUES:
Premiums	$	587		$	193		$	41		$	821		$	821
Net investment income		293			123			242			658			658
Net investment gains (losses)		(1	)		10			(8	)		1			1
Insurance and investment product fees and other		—			184			2			186			186

Total revenues		879			510			277			1,666			1,666

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,313			293			116			1,722			1,722
Interest credited		—			67			88			155			155
Acquisition and operating expenses, net of deferrals		103			52			18			173			173
Amortization of deferred acquisition costs and intangibles		25			46			20			91			91
Goodwill impairment		200			350			—			550			550
Interest expense		—			22			—			22			22

Total benefits and expenses		1,641			830			242			2,713			2,713

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(762	)		(320	)		35			(1,047	)		(1,047	)
Provision (benefit) for income taxes		(234	)		11			12			(211	)		(211	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(528	)		(331	)		23			(836	)		(836	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		—			(6	)		3			(3	)		(3	)
Goodwill impairment, net		167			350			—			517			517

NET OPERATING INCOME (LOSS)	$	(361	)	$	13		$	26		$	(322	)	$	(322	)


Effective tax rate (operating income (loss))		35.7	%		35.2	%		34.8	%		35.8	%		35.8	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—U.S. Life Insurance Division

(amounts in millions)


	U.S. Life Insurance Segment
Nine months ended September 30, 2015	Long-Term Care Insurance			Life Insurance			Fixed Annuities			Total U.S. Life Insurance Segment			Total
REVENUES:
Premiums	$	1,804		$	510		$	17		$	2,331		$	2,331
Net investment income		960			380			688			2,028			2,028
Net investment gains (losses)		4			(2	)		(29	)		(27	)		(27	)
Insurance and investment product fees and other		1			531			7			539			539

Total revenues		2,769			1,419			683			4,871			4,871

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		2,371			764			233			3,368			3,368
Interest credited		—			200			248			448			448
Acquisition and operating expenses, net of deferrals		305			151			50			506			506
Amortization of deferred acquisition costs and intangibles		74			550			54			678			678
Interest expense		—			69			—			69			69

Total benefits and expenses		2,750			1,734			585			5,069			5,069

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		19			(315	)		98			(198	)		(198	)
Provision (benefit) for income taxes		6			(111	)		35			(70	)		(70	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		13			(204	)		63			(128	)		(128	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		(3	)		—			12			9			9
(Gains) losses from life block transactions, net		—			296			—			296			296
Expenses related to restructuring, net		—			1			—			1			1

NET OPERATING INCOME	$	10		$	93		$	75		$	178		$	178


Effective tax rate (operating income)		35.3	%		35.3	%		35.3	%		35.3	%		35.3	%

	U.S. Life Insurance Segment
Nine months ended September 30, 2014	Long-Term Care Insurance			Life Insurance			Fixed Annuities			Total U.S. Life Insurance Segment			Total
REVENUES:
Premiums	$	1,729		$	547		$	66		$	2,342		$	2,342
Net investment income		875			388			726			1,989			1,989
Net investment gains (losses)		2			34			(7	)		29			29
Insurance and investment product fees and other		1			525			6			532			532

Total revenues		2,607			1,494			791			4,892			4,892

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		2,712			831			296			3,839			3,839
Interest credited		—			199			265			464			464
Acquisition and operating expenses, net of deferrals		293			147			50			490			490
Amortization of deferred acquisition costs and intangibles		78			104			65			247			247
Goodwill impairment		200			350			—			550			550
Interest expense		—			64			—			64			64

Total benefits and expenses		3,283			1,695			676			5,654			5,654

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(676	)		(201	)		115			(762	)		(762	)
Provision (benefit) for income taxes		(202	)		54			41			(107	)		(107	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(474	)		(255	)		74			(655	)		(655	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		(2	)		(22	)		3			(21	)		(21	)
Goodwill impairment, net		167			350			—			517			517

NET OPERATING INCOME (LOSS)	$	(309	)	$	73		$	77		$	(159	)	$	(159	)


Effective tax rate (operating income (loss))		35.5	%		36.5	%		35.5	%		34.9	%		34.9	%

U.S. Life Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	618		$	597		$	589		$	1,804		$	607		$	587		$	577		$	565		$	2,336
Net investment income		327			320			313			960			303			293			292			290			1,178
Net investment gains (losses)		4			(3	)		3			4			6			(1	)		3			—			8
Insurance and investment product fees and other		—			1			—			1			—			—			—			1			1

Total revenues		949			915			905			2,769			916			879			872			856			3,523

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		825			780			766			2,371			1,545			1,313			735			664			4,257
Interest credited		—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		112			98			95			305			106			103			97			93			399
Amortization of deferred acquisition costs and intangibles		24			24			26			74			34			25			27			26			112
Goodwill impairment		—			—			—			—			154			200			—			—			354
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		961			902			887			2,750			1,839			1,641			859			783			5,122

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(12	)		13			18			19			(923	)		(762	)		13			73			(1,599	)
Provision (benefit) for income taxes		(5	)		5			6			6			(291	)		(234	)		5			27			(493	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(7	)		8			12			13			(632	)		(528	)		8			46			(1,106	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		(3	)		2			(2	)		(3	)		(3	)		—			(2	)		—			(5	)
Goodwill impairment, net		—			—			—			—			129			167			—			—			296

NET OPERATING INCOME (LOSS)	$	(10	)	$	10		$	10		$	10		$	(506	)	$	(361	)	$	6		$	46		$	(815	)


Effective tax rate (operating income (loss))		35.3	%		35.3	%		35.3	%		35.3	%		34.6	%		35.7	%		37.1	%		37.0	%		34.9	%

SALES:
Individual Long-Term Care Insurance	$	7		$	8		$	10		$	25		$	17		$	28		$	24		$	21		$	90
Group Long-Term Care Insurance		1			1			1			3			6			1			2			1			10

Total Sales	$	8		$	9		$	11		$	28		$	23		$	29		$	26		$	22		$	100


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

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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	162		$	169		$	179		$	510		$	175		$	193		$	171		$	183		$	722
Net investment income		126			127			127			380			133			123			137			128			521
Net investment gains (losses)		(8	)		3			3			(2	)		—			10			23			1			34
Insurance and investment product fees and other		175			178			178			531			179			184			173			168			704

Total revenues		455			477			487			1,419			487			510			504			480			1,981

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		248			266			250			764			315			293			257			281			1,146
Interest credited		66			68			66			200			67			67			66			66			266
Acquisition and operating expenses, net of deferrals		48			52			51			151			45			52			45			50			192
Amortization of deferred acquisition costs and intangibles		487			33			30			550			36			46			32			26			140
Goodwill impairment		—			—			—			—			145			350			—			—			495
Interest expense		22			22			25			69			23			22			21			21			87

Total benefits and expenses		871			441			422			1,734			631			830			421			444			2,326

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(416	)		36			65			(315	)		(144	)		(320	)		83			36			(345	)
Provision (benefit) for income taxes		(147	)		13			23			(111	)		—			11			29			14			54

INCOME (LOSS) FROM CONTINUING OPERATIONS		(269	)		23			42			(204	)		(144	)		(331	)		54			22			(399	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		4			(2	)		(2	)		—			—			(6	)		(15	)		(1	)		(22	)
Goodwill impairment, net		—			—			—			—			145			350			—			—			495
(Gains) losses from life block transactions, net		296			—			—			296			—			—			—			—			—
Expenses related to restructuring, net		—			1			—			1			—			—			—			—			—

NET OPERATING INCOME	$	31		$	22		$	40		$	93		$	1		$	13		$	39		$	21		$	74


Effective tax rate (operating income)		35.3	%		35.3	%		35.3	%		35.3	%		NM	⁽¹⁾		35.2	%		35.4	%		39.3	%		36.2	%

SALES:
Term Life	$	7		$	9		$	9		$	25		$	11		$	13		$	14		$	13		$	51
Universal Life		2			4			4			10			7			11			7			6			31
Linked-Benefits		3			2			4			9			5			4			5			2			16

Total Sales	$	12		$	15		$	17		$	44		$	23		$	28		$	26		$	21		$	98

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

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

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	4		$	3		$	10		$	17		$	45		$	41		$	14		$	11		$	111
Net investment income		227			230			231			688			240			242			242			242			966
Net investment gains (losses)		(12	)		(7	)		(10	)		(29	)		6			(8	)		(1	)		2			(1	)
Insurance and investment product fees and other		2			3			2			7			1			2			2			2			7

Total revenues		221			229			233			683			292			277			257			257			1,083

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		82			76			75			233			121			116			95			85			417
Interest credited		82			82			84			248			87			88			89			88			352
Acquisition and operating expenses, net of deferrals		16			17			17			50			17			18			14			18			67
Amortization of deferred acquisition costs and intangibles		19			18			17			54			28			20			22			23			93
Interest expense		—			—			—			—			—			—			—			—			—

Total benefits and expenses		199			193			193			585			253			242			220			214			929

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		22			36			40			98			39			35			37			43			154
Provision for income taxes		8			13			14			35			13			12			13			16			54

INCOME FROM CONTINUING OPERATIONS		14			23			26			63			26			23			24			27			100

ADJUSTMENT TO INCOME FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		5			2			5			12			(3	)		3			—			—			—

NET OPERATING INCOME	$	19		$	25		$	31		$	75		$	23		$	26		$	24		$	27		$	100


Effective tax rate (operating income)		35.3	%		35.3	%		35.3	%		35.3	%		33.3	%		34.8	%		35.5	%		36.2	%		35.0	%

SALES:
Single Premium Deferred Annuities	$	248		$	211		$	306		$	765		$	439		$	322		$	400		$	492		$	1,653
Single Premium Immediate Annuities		12			13			20			45			56			49			29			28			162

Total Sales	$	260		$	224		$	326		$	810		$	495		$	371		$	429		$	520		$	1,815

Corporate and Other Division

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Loss—Corporate and Other Division

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	1		$	—		$	1		$	—		$	1		$	1		$	1		$	3
Net investment income		31			40			25			96			34			23			34			24			115
Net investment gains (losses)		(16	)		(5	)		5			(16	)		(19	)		(24	)		(3	)		(18	)		(64	)
Insurance and investment product fees and other		46			39			49			134			53			50			53			53			209

Total revenues		61			75			79			215			68			50			85			60			263

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		18			11			7			36			10			13			6			8			37
Interest credited		31			31			30			92			31			30			29			29			119
Acquisition and operating expenses, net of deferrals		48			34			25			107			30			24			33			30			117
Amortization of deferred acquisition costs and intangibles		17			10			6			33			14			6			10			12			42
Interest expense		75			75			75			225			76			74			83			82			315

Total benefits and expenses		189			161			143			493			161			147			161			161			630

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(128	)		(86	)		(64	)		(278	)		(93	)		(97	)		(76	)		(101	)		(367	)
Benefit for income taxes		(52	)		(36	)		(27	)		(115	)		(37	)		—			(24	)		(50	)		(111	)

LOSS FROM CONTINUING OPERATIONS		(76	)		(50	)		(37	)		(163	)		(56	)		(97	)		(52	)		(51	)		(256	)
Income (loss) from discontinued operations, net of taxes		(21	)		(314	)		1			(334	)		138			6			4			9			157

NET INCOME (LOSS)		(97	)		(364	)		(36	)		(497	)		82			(91	)		(48	)		(42	)		(99	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net		8			1			(6	)		3			9			11			1			11			32
(Gains) losses on early extinguishment of debt, net		1			—			—			1			—			—			—			—			—
Expenses related to restructuring, net		—			1			—			1			—			—			—			—			—
Tax impact from potential business portfolio changes		—			—			—			—			31			—			—			—			31
(Income) loss from discontinued operations, net of taxes		21			314			(1	)		334			(138	)		(6	)		(4	)		(9	)		(157	)

NET OPERATING LOSS	$	(67	)	$	(48	)	$	(43	)	$	(158	)	$	(16	)	$	(86	)	$	(51	)	$	(40	)	$	(193	)



Effective tax rate (operating loss)		42.1	%		42.2	%		38.1	%		40.9	%		80.8	%		-7.2	%		32.1	%		52.0	%		39.4	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—Corporate and Other Division

(amounts in millions)


Three months ended September 30, 2015	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	—		$	—		$	—
Net investment income		32			(1	)		31
Net investment gains (losses)		(25	)		9			(16	)
Insurance and investment product fees and other		46			—			46

Total revenues		53			8			61

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		18			—			18
Interest credited		31			—			31
Acquisition and operating expenses, net of deferrals		17			31			48
Amortization of deferred acquisition costs and intangibles		17			—			17
Interest expense		—			75			75

Total benefits and expenses		83			106			189

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(30	)		(98	)		(128	)
Benefit for income taxes		(12	)		(40	)		(52	)

LOSS FROM CONTINUING OPERATIONS		(18	)		(58	)		(76	)
Loss from discontinued operations, net of taxes		—			(21	)		(21	)

NET LOSS		(18	)		(79	)		(97	)

ADJUSTMENTS TO NET LOSS:
Net investment (gains) losses, net		14			(6	)		8
(Gains) losses on early extinguishment of debt, net		—			1			1
Loss from discontinued operations, net of taxes		—			21			21

NET OPERATING LOSS	$	(4	)	$	(63	)	$	(67	)


Effective tax rate (operating loss)		49.2	%		41.5	%		42.1	%

Three months ended September 30, 2014	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	1		$	—		$	1
Net investment income		32			(9	)		23
Net investment gains (losses)		(33	)		9			(24	)
Insurance and investment product fees and other		53			(3	)		50

Total revenues		53			(3	)		50

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		13			—			13
Interest credited		30			—			30
Acquisition and operating expenses, net of deferrals		22			2			24
Amortization of deferred acquisition costs and intangibles		5			1			6
Interest expense		—			74			74

Total benefits and expenses		70			77			147

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(17	)		(80	)		(97	)
Provision (benefit) for income taxes		(5	)		5			—

LOSS FROM CONTINUING OPERATIONS		(12	)		(85	)		(97	)
Income from discontinued operations, net of taxes		—			6			6

NET LOSS		(12	)		(79	)		(91	)

ADJUSTMENTS TO NET LOSS:
Net investment (gains) losses, net		17			(6	)		11
Income from discontinued operations, net of taxes		—			(6	)		(6	)

NET OPERATING INCOME (LOSS)	$	5		$	(91	)	$	(86	)


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

⁽¹⁾	Includes inter-segment eliminations.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—Corporate and Other Division

(amounts in millions)


Nine months ended September 30, 2015	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	1		$	—		$	1
Net investment income		103			(7	)		96
Net investment gains (losses)		(39	)		23			(16	)
Insurance and investment product fees and other		144			(10	)		134

Total revenues		209			6			215

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		36			—			36
Interest credited		92			—			92
Acquisition and operating expenses, net of deferrals		57			50			107
Amortization of deferred acquisition costs and intangibles		32			1			33
Interest expense		1			224			225

Total benefits and expenses		218			275			493

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(9	)		(269	)		(278	)
Benefit for income taxes		(7	)		(108	)		(115	)

LOSS FROM CONTINUING OPERATIONS		(2	)		(161	)		(163	)
Loss from discontinued operations, net of taxes		—			(334	)		(334	)

NET LOSS		(2	)		(495	)		(497	)

ADJUSTMENTS TO NET LOSS:
Net investment (gains) losses, net		18			(15	)		3
(Gains) losses on early extinguishment of debt, net		—			1			1
Expenses related to restructuring, net		—			1			1
Loss from discontinued operations, net of taxes		—			334			334

NET OPERATING INCOME (LOSS)	$	16		$	(174	)	$	(158	)


Effective tax rate (operating income (loss))		14.3	%		40.0	%		40.9	%

Nine months ended September 30, 2014	Runoff Segment			Corporate and Other⁽¹⁾			Total
REVENUES:
Premiums	$	3		$	—		$	3
Net investment income		97			(16	)		81
Net investment gains (losses)		(43	)		(2	)		(45	)
Insurance and investment product fees and other		158			(2	)		156

Total revenues		215			(20	)		195

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		27			—			27
Interest credited		88			—			88
Acquisition and operating expenses, net of deferrals		62			25			87
Amortization of deferred acquisition costs and intangibles		26			2			28
Interest expense		1			238			239

Total benefits and expenses		204			265			469

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		11			(285	)		(274	)
Benefit for income taxes		—			(74	)		(74	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		11			(211	)		(200	)
Income from discontinued operations, net of taxes		—			19			19

NET INCOME (LOSS)		11			(192	)		(181	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net		21			2			23
Income from discontinued operations, net of taxes		—			(19	)		(19	)

NET OPERATING INCOME (LOSS)	$	32		$	(209	)	$	(177	)


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

⁽¹⁾	Includes inter-segment eliminations.

Runoff Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Income (Loss)—Runoff Segment

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	1		$	—		$	1		$	—		$	1		$	1		$	1		$	3
Net investment income		32			40			31			103			32			32			33			32			129
Net investment gains (losses)		(25	)		(8	)		(6	)		(39	)		(23	)		(33	)		3			(13	)		(66	)
Insurance and investment product fees and other		46			49			49			144			51			53			52			53			209

Total revenues		53			82			74			209			60			53			89			73			275

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		18			11			7			36			10			13			6			8			37
Interest credited		31			31			30			92			31			30			29			29			119
Acquisition and operating expenses, net of deferrals		17			21			19			57			22			22			20			20			84
Amortization of deferred acquisition costs and intangibles		17			10			5			32			13			5			10			11			39
Interest expense		—			1			—			1			—			—			1			—			1

Total benefits and expenses		83			74			61			218			76			70			66			68			280

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(30	)		8			13			(9	)		(16	)		(17	)		23			5			(5	)
Provision (benefit) for income taxes		(12	)		2			3			(7	)		(19	)		(5	)		5			—			(19	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(18	)		6			10			(2	)		3			(12	)		18			5			14

ADJUSTMENT TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net		14			3			1			18			13			17			(3	)		7			34

NET OPERATING INCOME (LOSS)	$	(4	)	$	9		$	11		$	16		$	16		$	5		$	15		$	12		$	48


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

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

Corporate and Other

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Operating Loss—Corporate and Other⁽¹⁾

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		(1	)		—			(6	)		(7	)		2			(9	)		1			(8	)		(14	)
Net investment gains (losses)		9			3			11			23			4			9			(6	)		(5	)		2
Insurance and investment product fees and other		—			(10	)		—			(10	)		2			(3	)		1			—			—

Total revenues		8			(7	)		5			6			8			(3	)		(4	)		(13	)		(12	)

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			—			—			—			—			—			—			—			—
Interest credited		—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		31			13			6			50			8			2			13			10			33
Amortization of deferred acquisition costs and intangibles		—			—			1			1			1			1			—			1			3
Interest expense		75			74			75			224			76			74			82			82			314

Total benefits and expenses		106			87			82			275			85			77			95			93			350

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(98	)		(94	)		(77	)		(269	)		(77	)		(80	)		(99	)		(106	)		(362	)
Provision (benefit) for income taxes		(40	)		(38	)		(30	)		(108	)		(18	)		5			(29	)		(50	)		(92	)

LOSS FROM CONTINUING OPERATIONS		(58	)		(56	)		(47	)		(161	)		(59	)		(85	)		(70	)		(56	)		(270	)
Income (loss) from discontinued operations, net of taxes⁽²⁾		(21	)		(314	)		1			(334	)		138			6			4			9			157

NET INCOME (LOSS)		(79	)		(370	)		(46	)		(495	)		79			(79	)		(66	)		(47	)		(113	)

ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net		(6	)		(2	)		(7	)		(15	)		(4	)		(6	)		4			4			(2	)
(Gains) losses on early extinguishment of debt, net		1			—			—			1			—			—			—			—			—
Expenses related to restructuring, net		—			1			—			1			—			—			—			—			—
Tax impact from potential business portfolio changes		—			—			—			—			31			—			—			—			31
(Income) loss from discontinued operations, net of taxes		21			314			(1	)		334			(138	)		(6	)		(4	)		(9	)		(157	)

NET OPERATING LOSS	$	(63	)	$	(57	)	$	(54	)	$	(174	)	$	(32	)	$	(91	)	$	(66	)	$	(52	)	$	(241	)


Effective tax rate (operating loss)		41.5	%		42.1	%		36.2	%		40.0	%		61.8	%		-1.5	%		28.9	%		47.7	%		34.0	%
⁽¹⁾ Includes inter-segment eliminations. ⁽²⁾ Operating results of the lifestyle protection insurance business presented as discontinued operations were as follows:
	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	169		$	168		$	180		$	517		$	173		$	184		$	199		$	174		$	730
Net investment income		21			20			22			63			22			28			21			29			100
Net investment gains (losses)		—			—			—			—			—			1			—			1			2
Insurance and investment product fees and other		—			2			(2	)		—			—			1			2			1			4

Total revenues		190			190			200			580			195			214			222			205			836

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		46			53			51			150			48			53			56			46			203
Acquisition and operating expenses, net of deferrals		105			105			113			323			107			113			122			105			447
Amortization of deferred acquisition costs and intangibles		21			24			26			71			28			30			30			30			118
Interest expense		7			6			9			22			11			10			9			15			45

Total benefits and expenses		179			188			199			566			194			206			217			196			813

INCOME BEFORE INCOME TAXES AND OTHER ITEMS		11			2			1			14			1			8			5			9			23
Provision (benefit) for income taxes		20			10			—			30			(137	)		2			1			—			(134	)

NET INCOME (LOSS)		(9	)		(8	)		1			(16	)		138			6			4			9			157
Loss on sale, net of taxes		(12	)		(306	)		—			(318	)		—			—			—			—			—

INCOME (LOSS) FROM DISCONTINUED OPERATIONS, NET OF TAXES	$	(21	)	$	(314	)	$	1		$	(334	)	$	138		$	6		$	4		$	9		$	157

Additional Financial Data

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Investments Summary

(amounts in millions)


		September 30, 2015					June 30, 2015					March 31, 2015					December 31, 2014					September 30, 2014
		Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total
Composition of Investment Portfolio
Fixed maturity securities:
Investment grade:
Public fixed maturity securities		$	33,644		44	%	$	33,507		45	%	$	34,644		44	%	$	34,263		45	%	$	34,111		45	%
Private fixed maturity securities			11,009		15			10,877		14			10,962		14			11,034		14			10,934		15
Residential mortgage-backed securities⁽¹⁾			5,009		7			4,954		7			5,011		6			5,082		7			4,990		7
Commercial mortgage-backed securities			2,492		3			2,475		3			2,547		3			2,491		3			2,518		3
Other asset-backed securities			3,904		5			3,837		5			3,767		5			3,669		5			3,770		5
State and political subdivisions			2,447		3			2,388		3			2,350		3			2,222		3			2,182		3
Non-investment grade fixed maturity securities			2,346		3			2,530		3			2,623		4			2,515		3			2,586		3
Equity securities:
Common stocks and mutual funds			37		—			62		—			134		—			187		—			214		—
Preferred stocks			236		—			237		1			165		—			88		—			92		—
Commercial mortgage loans			6,133		8			6,175		8			6,149		8			6,100		8			6,077		8
Restricted commercial mortgage loans related to securitization entities			175		—			181		—			188		—			201		—			209		—
Policy loans			1,567		2			1,584		2			1,506		2			1,501		2			1,512		2
Cash, cash equivalents and short-term investments			4,042		6			4,459		6			5,380		7			4,990		7			3,424		5
Securities lending			367		—			337		—			323		1			289		1			339		1
Other invested assets:	Limited partnerships		195		—			216		—			215		—			252		—			262		—
	Derivatives:
	Long-term care (LTC) forward starting swap—cash flow		768		1			423		1			948		1			639		1			252		—
	Other cash flow		8		—			8		—			9		—			6		—			10		—
	Equity index options—non-qualified		15		—			12		—			15		—			17		—			11		—
	Other non-qualified		534		1			416		—			512		1			470		—			391		1
	Trading portfolio		458		1			368		1			218		—			241		—			226		—
	Counterparty collateral		—		—			—		—			—		—			—		—			522		1
	Restricted other invested assets related to securitization entities		412		1			410		1			411		1			411		1			404		1
	Other		52		—			52		—			48		—			56		—			65		—

Total invested assets and cash		$	75,850		100	%	$	75,508		100	%	$	78,125		100	%	$	76,724		100	%	$	75,101		100	%

Public Fixed Maturity Securities—Credit Quality:
NRSRO⁽²⁾ Designation
AAA		$	15,068		33	%	$	14,931		33	%	$	15,531		33	%	$	15,611		34	%	$	15,314		33	%
AA			4,613		10			4,773		11			4,858		11			4,741		10			4,821		11
A			13,553		30			13,441		30			13,845		30			13,645		30			13,550		30
BBB			10,681		24			10,590		23			10,721		23			10,498		23			10,625		23
BB			1,234		3			1,276		3			1,385		3			1,361		3			1,386		3
B			50		—			68		—			75		—			76		—			77		—
CCC and lower			95		—			99		—			108		—			112		—			114		—

Total public fixed maturity securities		$	45,294		100	%	$	45,178		100	%	$	46,523		100	%	$	46,044		100	%	$	45,887		100	%

Private Fixed Maturity Securities—Credit Quality:
NRSRO⁽²⁾ Designation
AAA		$	1,730		11	%	$	1,646		11	%	$	1,514		10	%	$	1,569		10	%	$	1,550		10	%
AA			1,982		13			1,957		13			1,956		13			2,007		14			1,803		12
A			4,805		31			4,847		31			4,846		31			4,602		30			4,743		31
BBB			6,073		39			5,853		38			6,010		39			6,088		40			6,099		40
BB			839		5			973		6			910		6			792		5			835		5
B			114		1			101		1			127		1			95		1			95		1
CCC and lower			14		—			13		—			18		—			79		—			79		1

Total private fixed maturity securities		$	15,557		100	%	$	15,390		100	%	$	15,381		100	%	$	15,232		100	%	$	15,204		100	%

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

⁽²⁾	Nationally Recognized Statistical Rating Organizations.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Fixed Maturity Securities Summary

(amounts in millions)


	September 30, 2015					June 30, 2015					March 31, 2015					December 31, 2014					September 30, 2014
	Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total
Fixed Maturity Securities—Security Sector:
U.S. government, agencies and government-sponsored enterprises	$	5,913		10	%	$	5,721		9	%	$	6,132		10	%	$	6,000		10	%	$	5,642		9	%
State and political subdivisions		2,448		4			2,389		4			2,351		4			2,222		4			2,183		4
Foreign government		1,952		3			1,970		3			1,853		3			1,920		3			1,828		3
U.S. corporate		25,695		43			25,151		42			25,820		42			25,236		41			25,017		41
Foreign corporate		13,199		22			13,797		23			14,103		23			14,263		23			14,743		24
Residential mortgage-backed securities		5,118		8			5,085		9			5,153		8			5,228		9			5,142		8
Commercial mortgage-backed securities		2,587		4			2,582		4			2,690		4			2,702		4			2,728		5
Other asset-backed securities		3,939		6			3,873		6			3,802		6			3,705		6			3,808		6

Total fixed maturity securities	$	60,851		100	%	$	60,568		100	%	$	61,904		100	%	$	61,276		100	%	$	61,091		100	%

Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,346		23	%	$	8,103		22	%	$	8,273		22	%	$	8,185		22	%	$	8,253		22	%
Utilities		4,630		12			4,580		12			4,798		13			4,694		13			5,194		14
Energy		4,261		11			4,416		12			4,564		12			4,531		12			3,982		11
Consumer—non-cyclical		4,668		13			4,525		12			4,631		12			4,602		12			4,598		12
Consumer—cyclical		2,301		6			2,337		6			2,373		6			2,358		6			2,362		6
Capital goods		2,483		7			2,450		7			2,429		7			2,423		7			2,354		6
Industrial		2,143		6			2,237		6			2,320		6			2,252		6			2,290		6
Technology and communications		3,111		8			3,120		9			3,104		8			3,037		8			3,084		8
Transportation		1,700		5			1,634		5			1,692		4			1,614		4			1,658		5
Other		3,232		9			3,374		9			3,522		10			3,748		10			3,865		10

Subtotal		36,875		100	%		36,776		100	%		37,706		100	%		37,444		100	%		37,640		100	%

Non-Investment Grade:
Finance and insurance		380		19	%		443		20	%		471		21	%		480		23	%		481		22	%
Utilities		67		3			67		3			67		3			83		5			100		5
Energy		401		20			408		19			363		16			261		13			291		14
Consumer—non-cyclical		229		11			257		12			262		12			229		11			211		10
Consumer—cyclical		98		5			99		5			117		5			91		4			71		3
Capital goods		204		10			234		11			236		11			214		10			292		14
Industrial		254		13			240		11			238		11			260		13			254		12
Technology and communications		293		14			337		15			364		16			354		17			358		17
Transportation		2		—			3		—			19		1			19		1			20		1
Other		91		5			84		4			80		4			64		3			42		2

Subtotal		2,019		100	%		2,172		100	%		2,217		100	%		2,055		100	%		2,120		100	%

Total	$	38,894		100	%	$	38,948		100	%	$	39,923		100	%	$	39,499		100	%	$	39,760		100	%

Fixed Maturity Securities—Contractual Maturity Dates:

Due in one year or less	$	2,147		4	%	$	2,069		3	%	$	1,870		3	%	$	2,060		3	%	$	2,406		4	%
Due after one year through five years		10,950		18			11,069		19			10,965		18			10,776		18			10,315		17
Due after five years through ten years		12,155		20			12,212		20			12,198		20			12,334		20			12,934		21
Due after ten years		23,955		40			23,678		39			25,226		41			24,471		40			23,758		39

Subtotal		49,207		82			49,028		81			50,259		82			49,641		81			49,413		81
Mortgage and asset-backed securities		11,644		18			11,540		19			11,645		18			11,635		19			11,678		19

Total fixed maturity securities	$	60,851		100	%	$	60,568		100	%	$	61,904		100	%	$	61,276		100	%	$	61,091		100	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

General Account GAAP Net Investment Income Yields

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	647		$	645		$	632		$	1,924		$	658		$	643		$	658		$	639		$	2,598
Fixed maturity securities—non-taxable		3			3			3			9			3			3			3			3			12
Commercial mortgage loans		84			83			85			252			87			82			81			83			333
Restricted commercial mortgage loans related to securitization entities		3			3			4			10			3			3			4			4			14
Equity securities		3			4			4			11			3			3			4			4			14
Other invested assets		22			17			33			72			22			17			12			18			69
Limited partnerships		4			20			7			31			2			10			13			11			36
Restricted other invested assets related to securitization entities		1			1			1			3			2			1			1			1			5
Policy loans		33			35			33			101			34			32			32			31			129
Cash, cash equivalents and short-term investments		3			4			3			10			5			7			7			5			24

Gross investment income before expenses and fees		803			815			805			2,423			819			801			815			799			3,234
Expenses and fees		(20	)		(22	)		(24	)		(66	)		(22	)		(23	)		(24	)		(23	)		(92	)

Net investment income	$	783		$	793		$	781		$	2,357		$	797		$	778		$	791		$	776		$	3,142

Annualized Yields
Fixed maturity securities—taxable		4.6	%		4.6	%		4.6	%		4.6	%		4.7	%		4.6	%		4.8	%		4.7	%		4.7	%
Fixed maturity securities—non-taxable		3.5	%		3.5	%		3.5	%		3.5	%		3.5	%		3.4	%		3.5	%		3.7	%		3.5	%
Commercial mortgage loans		5.5	%		5.4	%		5.6	%		5.5	%		5.7	%		5.4	%		5.5	%		5.6	%		5.6	%
Restricted commercial mortgage loans related to securitization entities		6.4	%		7.2	%		8.2	%		7.2	%		5.8	%		6.6	%		6.7	%		7.0	%		6.6	%
Equity securities		4.0	%		5.6	%		6.1	%		5.2	%		4.6	%		4.4	%		5.5	%		5.2	%		5.0	%
Other invested assets		22.2	%		24.2	%		60.6	%		31.3	%		37.1	%		27.7	%		18.7	%		26.3	%		27.3	%
Limited partnerships⁽¹⁾		7.8	%		37.0	%		12.0	%		18.8	%		3.1	%		15.3	%		19.6	%		16.1	%		13.6	%
Restricted other invested assets related to securitization entities		1.0	%		1.0	%		1.0	%		1.0	%		2.1	%		1.0	%		1.0	%		1.0	%		1.3	%
Policy loans		8.4	%		9.1	%		8.8	%		8.7	%		9.0	%		8.5	%		8.7	%		8.6	%		8.7	%
Cash, cash equivalents and short-term investments		0.3	%		0.3	%		0.2	%		0.3	%		0.5	%		0.8	%		0.7	%		0.5	%		0.6	%

Gross investment income before expenses and fees		4.6	%		4.6	%		4.6	%		4.6	%		4.7	%		4.6	%		4.7	%		4.7	%		4.7	%
Expenses and fees		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%

Net investment income		4.5	%		4.5	%		4.5	%		4.5	%		4.6	%		4.5	%		4.6	%		4.6	%		4.6	%

Yields are based on net investment income as reported under GAAP and are consistent with how the company measures its investment performance for management purposes. Yields are annualized, for interim periods, and are calculated as net investment income as a percentage of average quarterly asset carrying values except for fixed maturity and equity securities, derivatives and derivative counterparty collateral, which exclude unrealized fair value adjustments and securities lending activity, which is included in other invested assets and is calculated net of the corresponding securities lending liability. See page 62 herein for average invested assets and cash used in the yield calculation.

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Net Investment Gains (Losses), Net—Detail⁽¹⁾

(amounts in millions)


	2015												2014
	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	(2	)	$	—		$	—		$	(2	)	$	1		$	5		$	(6	)	$	(9	)	$	(9	)
U.S. government, agencies and government-sponsored enterprises		—			—			1			1			1			—			2			—			3
Foreign corporate		(1	)		(1	)		(4	)		(6	)		1			2			13			(3	)		13
Foreign government		—			1			—			1			1			—			—			—			1
Tax-exempt		—			—			—			—			—			—			—			(1	)		(1	)
Mortgage-backed securities		(2	)		1			—			(1	)		—			(1	)		—			—			(1	)
Asset-backed securities		(1	)		—			—			(1	)		—			—			—			—			—
Equity securities		2			8			5			15			1			2			6			1			10
Foreign exchange		1			—			1			2			—			—			1			—			1

Total net realized gains (losses) on available-for-sale securities		(3	)		9			3			9			5			8			16			(12	)		17

Impairments:
Alt-A residential mortgage-backed securities		—			—			—			—			—			(1	)		—			—			(1	)
Financial hybrid securities		—			—			—			—			—			(3	)		—			—			(3	)
Corporate fixed maturity securities		(4	)		—			—			(4	)		—			—			—			—			—
Commercial mortgage loans		(1	)		—			(2	)		(3	)		—			—			(1	)		(1	)		(2	)
Other asset-backed securities		(1	)		—			—			(1	)		—			—			—			—			—

Total impairments		(6	)		—			(2	)		(8	)		—			(4	)		(1	)		(1	)		(6	)

Net unrealized gains (losses) on trading securities		8			(11	)		4			1			10			3			5			8			26
Derivative instruments		(34	)		4			(21	)		(51	)		(24	)		(25	)		(4	)		(14	)		(67	)
Limited partnerships		—			—			—			—			—			—			(1	)		—			(1	)
Commercial mortgage loans held-for-sale market valuation allowance		—			2			1			3			2			2			2			2			8
Contingent purchase price valuation change		2			—			—			2			—			(1	)		—			—			(1	)
Net gains (losses) related to securitization entities		—			1			5			6			1			(1	)		6			4			10

Net investment gains (losses), net of taxes		(33	)		5			(10	)		(38	)		(6	)		(18	)		23			(13	)		(14	)
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes		6			5			4			15			1			6			1			1			9
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes		5			(6	)		5			4			1			2			(4	)		1			—

Net investment gains (losses), net	$	(22	)	$	4		$	(1	)	$	(19	)	$	(4	)	$	(10	)	$	20		$	(11	)	$	(5	)

⁽¹⁾	All adjustments for income taxes assume a 35% tax rate.

Reconciliations of Non-GAAP Measures

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Reconciliation of Operating ROE

(amounts in millions)


Twelve Month Rolling Average ROE	Twelve months ended
	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended⁽¹⁾	$	(1,083	)	$	(1,643	)	$	(1,274	)	$	(1,244	)	$	(276	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	10,564		$	10,958		$	11,288		$	11,532		$	11,770
GAAP Basis ROE^(1)/(2)		-10.3	%		-15.0	%		-11.3	%		-10.8	%		-2.3	%

Operating ROE
Net operating income (loss) for the twelve months ended⁽¹⁾	$	(78	)	$	(465	)	$	(430	)	$	(398	)	$	197
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	10,564		$	10,958		$	11,288		$	11,532		$	11,770
Operating ROE^(1)/(2)		-0.7	%		-4.2	%		-3.8	%		-3.5	%		1.7	%

Quarterly Average ROE	Three months ended
	September 30, 2015			June 30, 2015			March 31, 2015			December 31, 2014			September 30, 2014
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended⁽³⁾	$	(284	)	$	(193	)	$	154		$	(760	)	$	(844	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	10,241		$	10,507		$	10,555		$	10,854		$	11,651
Annualized GAAP Quarterly Basis ROE^(3)/(4)		-11.1	%		-7.3	%		5.8	%		-28.0	%		-29.0	%

Operating ROE
Net operating income (loss) for the period ended⁽³⁾	$	64		$	119		$	154		$	(415	)	$	(323	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	10,241		$	10,507		$	10,555		$	10,854		$	11,651
Annualized Operating Quarterly Basis ROE^(3)/(4)		2.5	%		4.5	%		5.8	%		-15.3	%		-11.1	%

Non-GAAP Definition for Operating ROE

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

⁽¹⁾	The twelve months ended information is derived by adding the four quarters of net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 9 herein.

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

⁽³⁾	Net income (loss) available to Genworth Financial, Inc.’s common stockholders and net operating income (loss) from page 9 herein.

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Reconciliation of Core Yield


		2015												2014
	(Assets— amounts in billions)	3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	75.9		$	75.5		$	78.1		$	75.9		$	76.7		$	75.1		$	75.3		$	73.2		$	76.7
	Subtract:
	Securities lending		0.4			0.3			0.3			0.4			0.3			0.3			0.3			0.3			0.3
	Unrealized gains (losses)		5.4			4.9			7.8			5.4			6.6			5.3			5.5			4.2			6.6
	Derivative counterparty collateral		—			—			—			—			—			0.5			0.4			0.4			—

	Adjusted end of period invested assets and cash	$	70.1		$	70.3		$	70.0		$	70.1		$	69.8		$	69.0		$	69.1		$	68.3		$	69.8

(A)	Average Invested Assets and Cash Used in Reported Yield Calculation	$	70.2		$	70.2		$	69.9		$	70.1		$	69.4		$	69.1		$	68.7		$	68.2		$	68.9
	Subtract:
	Restricted commercial mortgage loans and other invested assets related to securitization entities⁽¹⁾		0.2			0.2			0.2			0.2			0.2			0.2			0.2			0.2			0.2

(B)	Average Invested Assets and Cash Used in Core Yield Calculation		70.0			70.0			69.7			69.9			69.2			68.9			68.5			68.0			68.7
	Subtract:
	Portfolios supporting floating products and non-recourse funding obligations⁽²⁾		3.5			3.6			3.7			3.6			3.9			4.0			4.2			4.3			4.1

(C)	Average Invested Assets and Cash Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	$	66.5		$	66.4		$	66.0		$	66.3		$	65.3		$	64.9		$	64.3		$	63.7		$	64.6

	(Income—amounts in millions)

(D)	Reported—Net Investment Income	$	783		$	793		$	781		$	2,357		$	797		$	778		$	791		$	776		$	3,142
	Subtract:
	Bond calls and commercial mortgage loan prepayments		12			17			14			43			18			17			7			10			52
	Other non-core items⁽³⁾		1			(4	)		7			4			8			(22	)		8			(7	)		(13	)
	Restricted commercial mortgage loans and other invested assets related to securitization entities⁽¹⁾		2			2			3			7			2			3			3			3			11

(E)	Core Net Investment Income		768			778			757			2,303			769			780			773			770			3,092
	Subtract:
	Investment income from portfolios supporting floating products and non-recourse funding obligations⁽²⁾		21			26			20			67			21			22			23			21			87

(F)	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	$	747		$	752		$	737		$	2,236		$	748		$	758		$	750		$	749		$	3,005


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

Notes:

Columns may not add due to rounding.

Yields have been annualized.

Non-GAAP Definition for Core Yield

The company references the non-GAAP financial measure entitled “core yield” as a measure of investment yield. The company defines core yield as the investment yield adjusted for items that do not reflect the underlying performance of the investment portfolio. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield is not a substitute for investment yield determined in accordance with GAAP.

⁽¹⁾	Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.

⁽²⁾	Floating products refer to institutional products and the non-recourse funding obligations that support certain term and universal life insurance reserves in the company’s life insurance business.

⁽³⁾	Includes cost basis adjustments on structured securities and various other immaterial items.

Corporate Information

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

THIRD QUARTER 2015

Financial Strength Ratings As Of October 28, 2015


Company	Standard & Poor’s Financial Services LLC (S&P)	Moody’s Investors Service, Inc. (Moody’s)	A.M. Best Company, Inc. (A.M. Best)
Genworth Financial Mortgage Insurance Company Canada⁽¹⁾	A+	Not rated	Not rated
Genworth Financial Mortgage Insurance Pty Limited (Australia)⁽²⁾	A+	A3	Not rated
Genworth Financial Mortgage Insurance Limited (Europe)	BB-	Not rated	Not rated
Genworth Seguros de Credito a la Vivienda S.A. de C.V.⁽³⁾	Not rated	Aa3.mx	Not rated
Genworth Mortgage Insurance Corporation	BB+	Ba1	Not rated
Genworth Life Insurance Company	BBB-	Baa1	A-
Genworth Life and Annuity Insurance Company	BBB-	Baa1	A-
Genworth Life Insurance Company of New York	BBB-	Baa1	A-
Financial Assurance Company Limited	A-	Not rated	Not rated
Financial Insurance Company Limited	A-	Not rated	Not rated

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

S&P states that insurers rated “A” (Strong), “BBB” (Good) or “BB” (Marginal) have strong, good or marginal financial security characteristics, respectively. The “A,” “BBB” and “BB” ranges are the third-, fourth- and fifth-highest of nine financial strength rating ranges assigned by S&P, which range from “AAA” to “R.” A plus (+) or minus (-) shows relative standing within a major rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “CCC” category. Accordingly, the “A+,” “A-,” “BBB-,” “BB+” and “BB-” ratings are the fifth-, seventh-, tenth-, eleventh- and thirteenth-highest of S&P’s 21 ratings categories.

Moody’s states that insurance companies rated “A” (Good) offer good financial security, that insurance companies rated “Baa” (Adequate) offer adequate financial security and that insurance companies rated “Ba” (Questionable) offer questionable financial security. The “A” (Good), “Baa” (Adequate) and “Ba” (Questionable) ranges are the third-, fourth- and fifth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the group, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A3,” “Baa1” and “Ba1” ratings are the seventh-, eighth- and eleventh-highest, respectively, of Moody’s 21 ratings categories. Issuers or issues rated “Aa.mx” demonstrate very strong creditworthiness relative to other issuers in Mexico.

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

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

The Australian mortgage insurance subsidiary also solicits a rating from Fitch. Fitch states that “A” (Strong) rated insurance companies are viewed as possessing strong capacity to meet policyholder and contract obligations. The “A” rating category is the third-highest of nine financial strength rating categories, which range from “AAA” to “C.” The symbol (+) or (-) may be appended to a rating to indicate the relative position of a credit within a rating category. These suffixes are not added to ratings in the “AAA” category or to ratings below the “B” category. Accordingly, the “A+” rating is the fifth-highest of Fitch’s 21 ratings categories.

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

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

⁽²⁾	Genworth Financial Mortgage Insurance Pty Limited (Australia) is also rated “A+” by Fitch.

⁽³⁾	Genworth Seguros de Credito a la Vivienda S.A. de C.V. is also rated “Baa3” by Moody’s on a Global Scale Insurance financial strength basis.