EX-99.2

Exhibit 99.2

LOGO

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016


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 Business*
Net Operating Income and Sales—U.S. Mortgage Insurance Segment		16-22
Net Operating Income and Sales—Canada Mortgage Insurance Segment		24-27
Net Operating Income and Sales—Australia Mortgage Insurance Segment		29-32
Net Operating Income (Loss) and Sales—U.S. Life Insurance Segment		34-37
Net Operating Income (Loss)—Runoff Segment		39
Net Operating Loss—Corporate and Other Activities		41

*Additional Financial Data*
Investments Summary		43
Fixed Maturity Securities Summary		44
General Account GAAP Net Investment Income Yields		45
Net Investment Gains (Losses), Net—Detail		46

*Reconciliations of Non-GAAP Measures*
Reconciliation of Operating Return On Equity (ROE)		48
Reconciliation of Core Yield		49

*Corporate Information*
Industry Ratings		51

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Dear Investor,

Thank you for your continued interest in Genworth Financial.

Regards,

David Rosenbaum

Investor Relations

InvestorInfo@genworth.com

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Use of Non-GAAP Measures

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

While some of these items may be significant components of net income (loss) available to Genworth 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.

Adjustments to reconcile net income (loss) attributable to Genworth Financial, Inc.’s common stockholders and net operating income (loss) assume a 35% tax rate (unless otherwise indicated) 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 46).

In June 2016, the company completed the sale of its term life insurance new business platform and recorded a pre-tax gain of $12 million. In May 2016, the company completed the sale of its mortgage insurance business in Europe and recorded an additional pre-tax loss of $2 million. In the first quarter of 2016, the company recorded an estimated pre-tax loss of $7 million and a tax benefit of $27 million related to the planned sale of the mortgage insurance business in Europe. The company also recognized an estimated pre-tax loss of $140 million in the fourth quarter of 2015 for the planned sale of this business. The company also incurred a $6 million tax benefit in the fourth quarter of 2015 related to the planned sale as well as a tax charge of $7 million in the third quarter of 2015 from potential business portfolio changes related to this business. These transactions were excluded from net operating income (loss) for the periods presented as they related to a gain (loss) on the sale of businesses.

In June 2016, the company settled restricted borrowings of $70 million related to a securitization entity and recorded a $64 million pre-tax gain related to the early extinguishment of debt. In January 2016, the company paid a pre-tax make-whole expense of $20 million related to the early redemption of Genworth Holdings, Inc.’s (Genworth Holdings) 2016 notes. The company also repurchased $28 million principal amount of Genworth Holdings’ notes with various maturity dates for a pre-tax gain of $4 million in the first quarter of 2016. In the third quarter of 2015, the company paid an early redemption payment of approximately $1 million, net of 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’ notes with various maturity dates for a pre-tax loss of $1 million. These transactions were excluded from net operating income (loss) for the periods presented as they related to a gain (loss) on the early extinguishment of debt.

In the first quarter of 2016, the company completed a life block transaction resulting in a pre-tax loss of $9 million in connection with the early extinguishment of non-recourse funding obligations. In the third quarter of 2015, the company recorded a pre-tax DAC impairment of $455 million on certain term life insurance policies in connection with entering into an agreement to complete a life block transaction.

In the second and first quarters of 2016, the company recorded a pre-tax expense of $5 million and $15 million, respectively, related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses. In the fourth and second quarters of 2015, the company also recorded a pre-tax expense of $5 million and $3 million, respectively, related to restructuring costs.

There were no infrequent or unusual items excluded from net operating income (loss) during the periods presented other than fees incurred during the first quarter of 2016 related to Genworth Holdings’ bond consent solicitation of $18 million for broker, advisor and investment banking fees.

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 48 and 49 of this financial supplement.

⁽¹⁾	U.S. Generally Accepted Accounting Principles

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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.

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 mortgage insurance businesses is a measure of the aggregate original loan balance for outstanding insurance policies as of the respective reporting date. Risk in-force for the U.S. mortgage insurance business is based on the coverage percentage applied to the estimated current outstanding loan balance. For risk in-force in the mortgage insurance businesses in Canada and Australia, 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 mortgage insurance 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. 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

SECOND QUARTER 2016

Financial Highlights

(amounts in millions, except per share data)


Balance Sheet Data	June 30, 2016		March 31, 2016		December 31, 2015		September 30, 2015		June 30, 2015
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	$	10,045	$	9,870	$	9,814	$	10,101	$	10,381
Total accumulated other comprehensive income		5,088		4,185		3,010		3,478		3,309

Total Genworth Financial, Inc.’s stockholders’ equity	$	15,133	$	14,055	$	12,824	$	13,579	$	13,690

Book value per common share	$	30.37	$	28.19	$	25.76	$	27.29	$	27.52
Book value per common share, excluding accumulated other comprehensive income	$	20.16	$	19.80	$	19.71	$	20.30	$	20.87
Common shares outstanding as of the balance sheet date		498.3		498.5		497.8		497.5		497.4

	Twelve months ended
Twelve Month Rolling Average ROE	June 30, 2016		March 31, 2016		December 31, 2015		September 30, 2015		June 30, 2015
GAAP Basis ROE		-3.5%		-7.0%		-6.0%		-10.3%		-15.0%
Operating ROE⁽¹⁾		2.1%		2.0%		2.5%		-0.7%		-4.2%

	Three months ended
Quarterly Average ROE	June 30, 2016		March 31, 2016		December 31, 2015		September 30, 2015		June 30, 2015
GAAP Basis ROE		6.9%		2.2%		-11.7%		-11.1%		-7.3%
Operating ROE⁽¹⁾		4.9%		4.2%		-3.3%		2.5%		4.5%


Basic and Diluted Shares	Three months ended June 30, 2016		Six months ended June 30, 2016
Weighted-average common shares used in basic earnings per common share calculations		498.5		498.3
Potentially dilutive securities:
Stock options, restricted stock units and stock appreciation rights		1.9		1.6

Weighted-average common shares used in diluted earnings per common share calculations		500.4		499.9

⁽¹⁾	See page 48 herein for a reconciliation of GAAP Basis ROE to Operating ROE.

Consolidated Quarterly Results

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1,127		$	794		$	1,921		$	1,157		$	1,145		$	1,134		$	1,143		$	4,579
Net investment income		779			789			1,568			781			783			793			781			3,138
Net investment gains (losses)		30			(19	)		11			(16	)		(51	)		8			(16	)		(75	)
Policy fees and other income		300			221			521			234			223			222			227			906

Total revenues		2,236			1,785			4,021			2,156			2,100			2,157			2,135			8,548

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,193			860			2,053			1,435			1,290			1,232			1,192			5,149
Interest credited		173			177			350			180			179			181			180			720
Acquisition and operating expenses, net of deferrals		327			394			721			433			314			295			267			1,309
Amortization of deferred acquisition costs and intangibles		112			99			211			207			563			101			95			966
Interest expense		80			105			185			104			105			103			107			419

Total benefits and expenses		1,885			1,635			3,520			2,359			2,451			1,912			1,841			8,563

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		351			150			501			(203	)		(351	)		245			294			(15	)
Provision (benefit) for income taxes		110			23			133			(36	)		(134	)		70			91			(9	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		241			127			368			(167	)		(217	)		175			203			(6	)
Income (loss) from discontinued operations, net of taxes⁽¹⁾		(21	)		(19	)		(40	)		(73	)		(21	)		(314	)		1			(407	)

NET INCOME (LOSS)		220			108			328			(240	)		(238	)		(139	)		204			(413	)
Less: net income attributable to noncontrolling interests		48			55			103			52			46			54			50			202

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	172		$	53		$	225		$	(292	)	$	(284	)	$	(193	)	$	154		$	(615	)

Earnings (Loss) Per Share Data:
Income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.39		$	0.14		$	0.53		$	(0.44	)	$	(0.53	)	$	0.24		$	0.31		$	(0.42	)
Diluted	$	0.39		$	0.14		$	0.53		$	(0.44	)	$	(0.53	)	$	0.24		$	0.31		$	(0.42	)
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.35		$	0.11		$	0.45		$	(0.59	)	$	(0.57	)	$	(0.39	)	$	0.31		$	(1.24	)
Diluted	$	0.34		$	0.11		$	0.45		$	(0.59	)	$	(0.57	)	$	(0.39	)	$	0.31		$	(1.24	)
Weighted-average common shares outstanding
Basic		498.5			498.0			498.3			497.6			497.4			497.4			497.0			497.4
Diluted⁽²⁾		500.4			499.4			499.9			497.6			497.4			499.3			498.9			497.4

⁽¹⁾

Income (loss) from discontinued operations related to the lifestyle protection business that was sold on December 1, 2015. During the second and first quarters of 2016, the company recorded an additional after-tax loss of approximately $21 million and $19 million, respectively, as it finalized the closing balance sheet purchase price adjustments.

⁽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, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 1.4 million and 1.3 million, respectively, for the three months ended December 31, 2015 and September 30, 2015 and 1.6 million for the twelve months ended December 31, 2015 would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations in these periods, dilutive potential weighted-average common shares outstanding would have been 499.0 million and 498.7 million, respectively, for the three months ended December 31, 2015 and September 30, 2015 and 499.0 million for the twelve months ended December 31, 2015.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Net Operating Income (Loss) by Segment by Quarter

(amounts in millions, except per share amounts)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total

NET OPERATING INCOME (LOSS):
U.S. Mortgage Insurance segment	$	61		$	61		$	122		$	41		$	37		$	49		$	52		$	179
Canada Mortgage Insurance segment		38			33			71			37			38			37			40			152
Australia Mortgage Insurance segment		15			19			34			22			21			29			30			102
U.S. Life Insurance segment:
Long-Term Care Insurance		37			34			71			19			(10	)		10			10			29
Life Insurance		31			31			62			(173	)		31			22			40			(80	)
Fixed Annuities		(13	)		26			13			19			19			25			31			94

Total U.S. Life Insurance segment		55			91			146			(135	)		40			57			81			43

Runoff segment		6			4			10			11			(4	)		9			11			27
Corporate and Other		(52	)		(105	)		(157	)		(58	)		(68	)		(62	)		(60	)		(248	)

NET OPERATING INCOME (LOSS)		123			103			226			(82	)		64			119			154			255

ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net⁽¹⁾		39			(19	)		20			(1	)		(33	)		5			(1	)		(30	)
Gains (losses) on sale of businesses		10			(7	)		3			(140	)		—			—			—			(140	)
Gains (losses) on early extinguishment of debt⁽²⁾		64			(16	)		48			—			(2	)		—			—			(2	)
Gains (losses) from life block transactions		—			(9	)		(9	)		—			(455	)		—			—			(455	)
Expenses related to restructuring		(5	)		(15	)		(20	)		(5	)		—			(3	)		—			(8	)
Fees associated with bond consent solicitation		—			(18	)		(18	)		—			—			—			—			—
Taxes on adjustments		(38)			53			15			9			163			—			—			172

INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL INC.’S COMMON STOCKHOLDERS		193			72			265			(219	)		(263	)		121			153			(208	)
Add: income from continuing operations attributable to noncontrolling interests		48			55			103			52			46			54			50			202

INCOME (LOSS) FROM CONTINUING OPERATIONS		241			127			368			(167	)		(217	)		175			203			(6	)
Income (loss) from discontinued operations, net of taxes		(21	)		(19	)		(40	)		(73	)		(21	)		(314	)		1			(407	)

NET INCOME (LOSS)		220			108			328			(240	)		(238	)		(139	)		204			(413	)
Less: net income attributable to noncontrolling interests		48			55			103			52			46			54			50			202

NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	172		$	53		$	225		$	(292	)	$	(284	)	$	(193	)	$	154		$	(615	)


Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	0.35		$	0.11		$	0.45		$	(0.59	)	$	(0.57	)	$	(0.39	)	$	0.31		$	(1.24	)
Diluted	$	0.34		$	0.11		$	0.45		$	(0.59	)	$	(0.57	)	$	(0.39	)	$	0.31		$	(1.24	)
Net operating income (loss) per common share
Basic	$	0.25		$	0.21		$	0.45		$	(0.17	)	$	0.13		$	0.24		$	0.31		$	0.51
Diluted	$	0.25		$	0.21		$	0.45		$	(0.17	)	$	0.13		$	0.24		$	0.31		$	0.51
Weighted-average common shares outstanding
Basic		498.5			498.0			498.3			497.6			497.4			497.4			497.0			497.4
Diluted⁽³⁾		500.4			499.4			499.9			497.6			497.4			499.3			498.9			497.4

⁽¹⁾	Net investment gains (losses) were adjusted for the portion attributable to noncontrolling interests and DAC and other intangible amortization and certain benefit reserves (see page 46 for reconciliation).

⁽²⁾	For the three months ended September 30, 2015, gains (losses) on early extinguishment of debt were adjusted by $1 million related to the mortgage insurance business in Australia for the portion attributable to noncontrolling interests.

⁽³⁾

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Consolidated Balance Sheets

(amounts in millions)


	June 30, 2016		March 31, 2016		December 31, 2015		September 30, 2015		June 30, 2015
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	62,828	$	60,290	$	58,197	$	60,646	$	60,368
Equity securities available-for-sale, at fair value		481		431		310		273		299
Commercial mortgage loans		6,121		6,179		6,170		6,133		6,175
Restricted commercial mortgage loans related to securitization entities		141		155		161		175		181
Policy loans		1,754		1,565		1,568		1,567		1,584
Other invested assets		2,510		2,923		2,309		2,764		2,176
Restricted other invested assets related to securitization entities		312		422		413		412		410

Total investments		74,147		71,965		69,128		71,970		71,193
Cash and cash equivalents		3,457		4,043		5,965		3,635		4,069
Accrued investment income		601		720		653		682		612
Deferred acquisition costs		4,046		4,235		4,398		4,441		4,899
Intangible assets and goodwill		267		291		357		297		300
Reinsurance recoverable		17,564		17,587		17,245		17,255		17,276
Other assets		640		577		520		523		580
Deferred tax asset		—		—		155		—		—
Separate account assets		7,484		7,624		7,883		7,893		8,702
Assets held for sale⁽¹⁾		—		131		127		1,484		1,493

Total assets	$	108,206	$	107,173	$	106,431	$	108,180	$	109,124

⁽¹⁾	Assets held for sale related to the lifestyle protection insurance business (prior to its sale on December 1, 2015) and the European mortgage insurance business (prior to its sale on May 9, 2016).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Consolidated Balance Sheets

(amounts in millions)


	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	37,154		$	36,776		$	36,475		$	36,472		$	36,298
Policyholder account balances		26,182			26,354			26,209			26,000			25,987
Liability for policy and contract claims		8,289			8,177			8,095			8,009			7,936
Unearned premiums		3,412			3,378			3,308			3,281			3,373
Other liabilities		3,197			3,596			3,004			3,225			3,125
Borrowings related to securitization entities		85			173			179			188			199
Non-recourse funding obligations		310			310			1,920			1,937			1,953
Long-term borrowings		4,191			4,232			4,570			4,573			4,581
Deferred tax liability		893			449			24			200			258
Separate account liabilities		7,484			7,624			7,883			7,893			8,702
Liabilities held for sale⁽¹⁾		—			131			127			986			985

Total liabilities		91,197			91,200			91,794			92,764			93,397

Equity:
Common stock		1			1			1			1			1
Additional paid-in capital		11,955			11,952			11,949			11,944			11,940

Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		2,770			2,043			1,236			1,709			1,606
Net unrealized gains (losses) on other-than-temporarily impaired securities		19			14			18			22			22

Net unrealized investment gains (losses)		2,789			2,057			1,254			1,731			1,628

Derivatives qualifying as hedges		2,439			2,302			2,045			2,130			1,913
Foreign currency translation and other adjustments		(140	)		(174	)		(289	)		(383	)		(232	)

Total accumulated other comprehensive income		5,088			4,185			3,010			3,478			3,309
Retained earnings		789			617			564			856			1,140
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)

Total Genworth Financial, Inc.’s stockholders’ equity		15,133			14,055			12,824			13,579			13,690
Noncontrolling interests		1,876			1,918			1,813			1,837			2,037

Total equity		17,009			15,973			14,637			15,416			15,727

Total liabilities and equity	$	108,206		$	107,173		$	106,431		$	108,180		$	109,124

⁽¹⁾	Liabilities held for sale related to the lifestyle protection insurance business (prior to its sale on December 1, 2015) and the European mortgage insurance business (prior to its sale on May 9, 2016).

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Consolidated Balance Sheet by Segment

(amounts in millions)


	June 30, 2016
	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance		U.S. Life Insurance		Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	2,494		$	4,707		$	2,730	$	62,646	$	2,893		$	2,735		$	78,205
Deferred acquisition costs and intangible assets		39			137			52		3,818		260			7			4,313
Reinsurance recoverable		2			—			—		16,744		818			—			17,564
Other assets		41			47			17		369		10			156			640
Separate account assets		—			—			—		—		7,484			—			7,484

Total assets	$	2,576		$	4,891		$	2,799	$	83,577	$	11,465		$	2,898		$	108,206

LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	—		$	—		$	—	$	37,151	$	3		$	—		$	37,154
Policyholder account balances		—			—			—		22,709		3,473			—			26,182
Liability for policy and contract claims		707			104			190		7,264		16			8			8,289
Unearned premiums		304			1,598			926		578		6			—			3,412
Non-recourse funding obligations		—			—			—		310		—			—			310
Deferred tax and other liabilities		(450	)		103			117		3,697		(85	)		708			4,090
Borrowings and capital securities		—			333			145		—		11			3,787			4,276
Separate account liabilities		—			—			—		—		7,484			—			7,484

Total liabilities		561			2,138			1,378		71,709		10,908			4,503			91,197

Equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		1,975			1,691			578		6,770		554			(1,523	)		10,045
Allocated accumulated other comprehensive income (loss)		40			(99	)		128		5,098		3			(82	)		5,088

Total Genworth Financial, Inc.’s stockholders’ equity		2,015			1,592			706		11,868		557			(1,605	)		15,133
Noncontrolling interests		—			1,161			715		—		—			—			1,876

Total equity		2,015			2,753			1,421		11,868		557			(1,605	)		17,009

Total liabilities and equity	$	2,576		$	4,891		$	2,799	$	83,577	$	11,465		$	2,898		$	108,206

⁽¹⁾	Includes inter-segment eliminations and other businesses that are managed outside the operating segments.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Consolidated Balance Sheet by Segment

(amounts in millions)


	March 31, 2016
	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance		U.S. Life Insurance		Runoff			Corporate and Other⁽¹⁾			Total
ASSETS
Cash and investments	$	2,283		$	4,552		$	2,969	$	61,287	$	2,987		$	2,650		$	76,728
Deferred acquisition costs and intangible assets		35			130			55		4,023		276			7			4,526
Reinsurance recoverable		6			—			—		16,754		827			—			17,587
Other assets		43			45			29		346		15			99			577
Separate account assets		—			—			—		—		7,624			—			7,624
Assets held for sale		—			—			—		—		—			131			131

Total assets	$	2,367		$	4,727		$	3,053	$	82,410	$	11,729		$	2,887		$	107,173

LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	—		$	—		$	—	$	36,773	$	3		$	—		$	36,776
Policyholder account balances		—			—			—		22,915		3,439			—			26,354
Liability for policy and contract claims		768			102			181		7,097		21			8			8,177
Unearned premiums		274			1,527			976		595		6			—			3,378
Non-recourse funding obligations		—			—			—		310		—			—			310
Deferred tax and other liabilities		(489	)		84			147		3,440		(49	)		912			4,045
Borrowings and capital securities		—			333			188		—		10			3,874			4,405
Separate account liabilities		—			—			—		—		7,624			—			7,624
Liabilities held for sale		—			—			—		—		—			131			131

Total liabilities		553			2,046			1,492		71,130		11,054			4,925			91,200

Equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		1,794			1,668			641		7,022		682			(1,937	)		9,870
Allocated accumulated other comprehensive income (loss)		20			(117	)		132		4,258		(7	)		(101	)		4,185

Total Genworth Financial, Inc.’s stockholders’ equity		1,814			1,551			773		11,280		675			(2,038	)		14,055
Noncontrolling interests		—			1,130			788		—		—			—			1,918

Total equity		1,814			2,681			1,561		11,280		675			(2,038	)		15,973

Total liabilities and equity	$	2,367		$	4,727		$	3,053	$	82,410	$	11,729		$	2,887		$	107,173

⁽¹⁾	Includes inter-segment eliminations and other businesses that are managed outside the operating segments.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Deferred Acquisition Costs Rollforward

(amounts in millions)


	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance			U.S. Life Insurance⁽¹⁾			Runoff⁽²⁾			Corporate and Other		Total
Unamortized balance as of March 31, 2016	$	23		$	114		$	36		$	4,108		$	267		$	—	$	4,548
Costs deferred		4			15			3			19			—			—		41
Amortization, net of interest accretion		(2	)		(9	)		(4	)		(70	)		(12	)		—		(97	)
Impact of foreign currency translation		—			—			(1	)		—			—			—		(1	)

Unamortized balance as of June 30, 2016		25			120			34			4,057			255			—		4,491
Effect of accumulated net unrealized investment (gains) losses		—			—			—			(437	)		(8	)		—		(445	)

Balance as of June 30, 2016	$	25		$	120		$	34		$	3,620		$	247		$	—	$	4,046

⁽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 $2 million of amortization related to net investment gains for the policyholder account balances.

U.S. Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016								2015
	2Q		1Q			Total			4Q		3Q			2Q		1Q		Total
REVENUES:
Premiums	$	160	$	160		$	320		$	153	$	146		$	153	$	150	$	602
Net investment income		15		15			30			14		12			13		19		58
Net investment gains (losses)		—		(1	)		(1	)		—		1			—		—		1
Policy fees and other income		1		1			2			1		2			—		1		4

Total revenues		176		175			351			168		161			166		170		665

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		38		38			76			59		63			50		50		222
Acquisition and operating expenses, net of deferrals		41		39			80			42		38			38		37		155
Amortization of deferred acquisition costs and intangibles		2		3			5			3		3			2		2		10

Total benefits and expenses		81		80			161			104		104			90		89		387

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		95		95			190			64		57			76		81		278
Provision for income taxes		34		34			68			23		20			27		29		99

INCOME FROM CONTINUING OPERATIONS		61		61			122			41		37			49		52		179
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:
Net investment (gains) losses		—		1			1			—		(1	)		—		—		(1	)
Taxes on adjustments		—		(1	)		(1	)		—		1			—		—		1

NET OPERATING INCOME	$	61	$	61		$	122		$	41	$	37		$	49	$	52	$	179



SALES:
New Insurance Written (NIW)
Flow	$	11,400	$	7,400		$	18,800		$	7,800	$	9,300		$	8,200	$	6,300	$	31,600
Bulk		—		—			—			—		—			—		—		—

Total U.S. Mortgage Insurance NIW	$	11,400	$	7,400		$	18,800		$	7,800	$	9,300		$	8,200	$	6,300	$	31,600

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016										2015
	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)
Product
Monthly⁽¹⁾	$	8,400		55		$	5,400		59		$	5,900		60		$	7,000		60		$	6,500		60		$	4,400		60
Single		3,000		161			2,000		164			1,900		168			2,300		171			1,700		172			1,900		160

Total Flow	$	11,400				$	7,400				$	7,800				$	9,300				$	8,200				$	6,300


	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	$	7,100		62	%	$	4,400		60	%	$	4,600		59	%	$	5,500		59	%	$	5,000		61	%	$	3,700		59	%
680-735		3,400		30			2,400		32			2,500		32			3,000		32			2,500		30			2,100		33
660-679⁽²⁾		500		4			300		4			400		5			500		6			400		5			300		5
620-659		400		4			300		4			300		4			300		3			300		4			200		3
<620		—		—			—		—			—		—			—		—			—		—			—		—

Total Flow	$	11,400		100	%	$	7,400		100	%	$	7,800		100	%	$	9,300		100	%	$	8,200		100	%	$	6,300		100	%

Loan-To-Value Ratio
95.01% and above	$	700		6	%	$	400		5	%	$	400		5	%	$	500		5	%	$	400		5	%	$	300		5	%
90.01% to 95.00%		5,900		52			3,700		50			4,000		51			4,900		53			4,200		51			3,100		49
85.01% to 90.00%		3,400		30			2,400		33			2,500		32			3,000		32			2,600		32			2,000		32
85.00% and below		1,400		12			900		12			900		12			900		10			1,000		12			900		14

Total Flow	$	11,400		100	%	$	7,400		100	%	$	7,800		100	%	$	9,300		100	%	$	8,200		100	%	$	6,300		100	%

Origination
Purchase	$	9,400		82	%	$	6,000		81	%	$	6,500		83	%	$	8,100		87	%	$	6,500		79	%	$	4,300		68	%
Refinance		2,000		18			1,400		19			1,300		17			1,200		13			1,700		21			2,000		32

Total Flow	$	11,400		100	%	$	7,400		100	%	$	7,800		100	%	$	9,300		100	%	$	8,200		100	%	$	6,300		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

SECOND QUARTER 2016

Other Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	190		$	176		$	366		$	171		$	171		$	170		$	170		$	682

New Risk Written
Flow	$	2,865		$	1,845		$	4,710		$	1,964		$	2,364		$	2,040		$	1,557		$	7,925
Bulk		—			—			—			—			—			—			—			—

Total Primary		2,865			1,845			4,710			1,964			2,364			2,040			1,557			7,925
Pool		—			—			—			—			—			—			—			—

Total New Risk Written	$	2,865		$	1,845		$	4,710		$	1,964		$	2,364		$	2,040		$	1,557		$	7,925


Primary Insurance In-Force⁽¹⁾	$	128,400		$	124,100					$	122,400		$	120,400		$	117,100		$	115,200

Risk In-Force⁽²⁾
Flow	$	30,760		$	29,620					$	29,142		$	28,563		$	27,623		$	27,025
Bulk⁽³⁾		314			318						326			349			360			387

Total Primary		31,074			29,938						29,468			28,912			27,983			27,412
Pool		111			116						120			129			137			142

Total Risk In-Force	$	31,185		$	30,054					$	29,588		$	29,041		$	28,120		$	27,554


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

Expense Ratio (Net Earned Premiums)⁽⁴⁾		27	%		26	%		27	%		29	%		28	%		26	%		26	%		27	%

Expense Ratio (Net Premiums Written)⁽⁵⁾		23	%		24	%		23	%		26	%		24	%		23	%		23	%		24	%

Flow Persistency		77	%		82	%					81	%		80	%		79	%		81	%

Risk To Capital Ratio⁽⁶⁾		15.0:1			15.3:1						16.3:1			14.3:1			13.7:1			14.1:1

PMIERs Sufficiency Ratio⁽⁷⁾		115	%		113	%					109	%		NA			NA			NA

Average Primary Loan Size (in thousands)	$	192		$	189					$	188		$	186		$	184		$	182

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⁾

Primary insurance in-force represents aggregate loan balances for outstanding insurance policies and is used to determine premiums. Original loan balances are presented for policies with level renewal premiums. Amortized loan balances are presented for policies with annual, amortizing renewal premiums.

⁽²⁾

In the second quarter of 2016, all flow risk in-force metrics were based upon more current loan balances as provided by servicers, lenders and investors and conform to the presentation under the Private Mortgage Insurer Eligibility Requirements (PMIERs). Previously, certain flow risk in-force metrics were based on original loan balances when current loan balances were not available. All prior periods have been re-presented to reflect these modified metrics.

⁽³⁾	As of June 30, 2016, 89% of the bulk risk in-force was related to loans financed by lenders who participated in the mortgage programs sponsored by the Federal Home Loan Banks.

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

⁽⁵⁾	The ratio of an insurer’s general expenses to net premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.

⁽⁶⁾

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.

⁽⁷⁾

PMIERs became effective December 31, 2015. The PMIERs sufficiency ratio is calculated as available assets divided by required assets as defined within PMIERs. The current period PMIERs sufficiency ratio is an estimate due to the timing of the PMIERs filing for the U.S. mortgage insurance business. As of June 30, 2016, March 31, 2016 and December 31, 2015, the PMIERs sufficiency ratios were in excess of $350 million, $300 million and $200 million, respectively, of available assets above the PMIERs requirements.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Loss Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Paid Claims
Flow
Direct⁽¹⁾	$	94		$	112		$	206		$	158		$	98		$	131		$	130		$	517
Assumed⁽²⁾		1			2			3			1			3			4			5			13
Ceded		(1	)		(3	)		(4	)		(1	)		—			(1	)		(16	)		(18	)
Loss adjustment expenses		3			3			6			3			3			3			4			13

Total Flow		97			114			211			161			104			137			123			525
Bulk		1			2			3			1			1			2			2			6

Total Primary		98			116			214			162			105			139			125			531
Pool		1			—			1			1			—			1			1			3

Total Paid Claims	$	99		$	116		$	215		$	163		$	105		$	140		$	126		$	534


Average Paid Claim (in thousands)⁽³⁾	$	50.8		$	51.9					$	63.6		$	54.0		$	50.8		$	46.5

Average Reserve Per Delinquency (in thousands)
Flow	$	27.8		$	28.3					$	27.2		$	29.4		$	30.6		$	31.0
Bulk loans with established reserve		21.1			21.2						19.9			20.0			21.5			21.2

Reserves:
Flow direct case	$	640		$	698					$	775		$	870		$	909		$	992
Bulk direct case		14			15						17			17			18			20
Assumed⁽²⁾		6			7						8			9			12			15
All other⁽⁴⁾		47			48						49			57			57			60

Total Reserves	$	707		$	768					$	849		$	953		$	996		$	1,087


Beginning Reserves	$	768		$	849		$	849		$	953		$	996		$	1,087		$	1,180		$	1,180
Paid claims⁽¹⁾		(99	)		(119	)		(218	)		(164	)		(105	)		(141	)		(142	)		(552	)
Increase in reserves		38			38			76			60			62			50			49			221

Ending Reserves	$	707		$	768		$	707		$	849		$	953		$	996		$	1,087		$	849


Beginning Reinsurance Recoverable⁽⁵⁾	$	2		$	5		$	5		$	6		$	6		$	7		$	24		$	24
Ceded paid claims		—			(3	)		(3	)		(1	)		—			(1	)		(16	)		(18	)
Decrease in recoverable		—			—			—			—			—			—			(1	)		(1	)

Ending Reinsurance Recoverable	$	2		$	2		$	2		$	5		$	6		$	6		$	7		$	5

Loss Ratio⁽⁶⁾		24	%		24	%		24	%		39	%		43	%		33	%		33	%		37	%

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⁾	Direct paid claims and paid claims in the fourth quarter of 2015 include payment of a previously disclosed negotiated servicer settlement reached in 2014 and payment in relation to an agreement on non-performing loans.

⁽²⁾	Assumed is comprised of reinsurance arrangements with state governmental housing finance agencies.

⁽³⁾	Average paid claim in the fourth quarter of 2015 reflects the non-recurring payment to extinguish the risk on prior paid claims pursuant to a previously disclosed servicer settlement reached in 2014.

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

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

⁽⁶⁾	The ratio of incurred losses and loss adjustment expenses to net earned premiums.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Delinquency Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Number of Primary Delinquencies
Flow		24,753			26,491						30,416			31,678			31,876			34,220
Bulk loans with an established reserve		732			776						889			917			908			984
Bulk loans with no reserve⁽¹⁾		313			335						358			394			415			461

Total Number of Primary Delinquencies		25,798			27,602						31,663			32,989			33,199			35,665


Beginning Number of Primary Delinquencies		27,602			31,663			31,663			32,989			33,199			35,665			39,786			39,786
New delinquencies		8,265			8,761			17,026			10,043			10,192			9,061			9,554			38,850
Delinquency cures		(8,137	)		(10,602	)		(18,739	)		(8,835	)		(8,484	)		(8,800	)		(10,988	)		(37,107	)
Paid claims		(1,932	)		(2,220	)		(4,152	)		(2,534	)		(1,918	)		(2,727	)		(2,687	)		(9,866	)

Ending Number of Primary Delinquencies		25,798			27,602			25,798			31,663			32,989			33,199			35,665			31,663


Composition of Cures
Reported delinquent and cured-intraquarter		1,597			2,503						1,740			1,805			1,658			2,271
Number of missed payments delinquent prior to cure:
3 payments or less		4,335			5,775						5,005			4,630			4,260			6,112
4 - 11 payments		1,577			1,443						1,330			1,487			2,250			1,912
12 payments or more		628			881						760			562			632			693

Total		8,137			10,602						8,835			8,484			8,800			10,988


Primary Delinquencies by Missed Payment Status
3 payments or less		8,529			8,395						10,487			10,226			9,432			9,271
4 - 11 payments		6,323			7,254						7,577			7,376			7,824			9,086
12 payments or more		10,946			11,953						13,599			15,387			15,943			17,308

Primary Delinquencies		25,798			27,602						31,663			32,989			33,199			35,665



	June 30, 2016
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		8,230		$	45		$	337			13	%
4 - 11 payments in default		6,159			159			261			61	%
12 payments or more in default		10,364			435			510			85	%

Total		24,753		$	639		$	1,108			58	%


	December 31, 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		10,103		$	52		$	405			13	%
4 - 11 payments in default		7,366			180			307			59	%
12 payments or more in default		12,947			543			638			85	%

Total		30,416		$	775		$	1,350			57	%

⁽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

SECOND QUARTER 2016

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment


	2016						2015
	2Q			1Q			4Q			3Q			2Q			1Q
Primary Loans
Primary loans in-force		668,951			655,300			651,668			647,126			636,640			631,591
Primary delinquent loans		25,798			27,602			31,663			32,989			33,199			35,665
Primary delinquency rate		3.86	%		4.21	%		4.86	%		5.10	%		5.21	%		5.65	%

Flow loans in-force		647,100			632,010			627,349			620,430			608,615			601,472
Flow delinquent loans		24,753			26,491			30,416			31,678			31,876			34,220
Flow delinquency rate		3.83	%		4.19	%		4.85	%		5.11	%		5.24	%		5.69	%

Bulk loans in-force		21,851			23,290			24,319			26,696			28,025			30,119
Bulk delinquent loans		1,045			1,111			1,247			1,311			1,323			1,445
Bulk delinquency rate		4.78	%		4.77	%		5.13	%		4.91	%		4.72	%		4.80	%

A minus and sub-prime loans in-force		25,552			26,995			28,332			29,745			31,051			33,805
A minus and sub-prime delinquent loans		5,220			5,546			6,448			6,642			6,530			7,019
A minus and sub-prime delinquency rate		20.43	%		20.54	%		22.76	%		22.33	%		21.03	%		20.76	%

Pool Loans
Pool loans in-force		6,196			6,406			6,620			7,284			7,709			7,979
Pool delinquent loans		356			369			386			426			447			468
Pool delinquency rate		5.75	%		5.76	%		5.83	%		5.85	%		5.80	%		5.87	%

Primary Risk In-Force by Credit Quality
Over 735		54	%		53	%		53	%		52	%		52	%		52	%
680-735		32	%		32	%		31	%		31	%		31	%		31	%
660-679⁽¹⁾		6	%		6	%		7	%		7	%		7	%		7	%
620-659		6	%		7	%		7	%		7	%		7	%		7	%
< 620		2	%		2	%		2	%		3	%		3	%		3	%

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)


	June 30, 2016
Policy Year	Average Rate⁽¹⁾			% of Total Reserves⁽²⁾			Primary Insurance In-Force		% of Total			Primary Risk In-Force		% of Total			Delinquency Rate
2004 and prior		6.03	%		11.6	%	$	3,403		2.6	%	$	677		2.2	%		13.41	%
2005		5.64	%		11.3			3,061		2.4			746		2.4			12.60	%
2006		5.81	%		17.2			5,229		4.1			1,241		4.0			12.13	%
2007		5.72	%		36.8			13,348		10.4			3,154		10.1			11.15	%
2008		5.27	%		16.8			11,525		9.0			2,723		8.8			6.20	%
2009		4.95	%		0.7			1,519		1.2			326		1.1			2.22	%
2010		4.69	%		0.7			1,943		1.5			444		1.4			1.68	%
2011		4.53	%		0.6			2,715		2.1			647		2.1			1.40	%
2012		3.83	%		0.6			7,088		5.5			1,723		5.5			0.61	%
2013		4.02	%		1.0			12,569		9.8			3,075		9.9			0.62	%
2014		4.40	%		1.7			17,984		14.0			4,417		14.2			0.70	%
2015		4.10	%		0.9			29,407		22.9			7,259		23.4			0.26	%
2016		4.00	%		0.1			18,628		14.5			4,642		14.9			0.04	%

Total		4.66	%		100.0	%	$	128,419		100.0	%	$	31,074		100.0	%		3.86	%


	June 30, 2016						March 31, 2016					June 30, 2015
	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)	$	31,074			3.86	%	$	29,938		4.21	%	$	27,983		5.21	%
Top 10 lenders		10,533			4.71	%		10,671		5.60	%		11,313		6.61	%
Top 20 lenders		13,532			4.67	%		13,450		5.01	%		13,420		5.88	%

Loan-to-value ratio
95.01% and above	$	5,682			6.80	%	$	5,771		7.14	%	$	6,118		7.87	%
90.01% to 95.00%		15,247			2.62	%		14,314		2.90	%		12,457		3.86	%
80.01% to 90.00%		9,858			3.60	%		9,556		3.99	%		9,086		5.07	%
80.00% and below		287			3.19	%		297		3.17	%		322		3.33	%

Total	$	31,074			3.86	%	$	29,938		4.21	%	$	27,983		5.21	%

Loan grade
Prime	$	30,175			3.20	%	$	28,987		3.51	%	$	26,891		4.40	%
A minus and sub-prime		899			20.43	%		951		20.54	%		1,092		21.03	%

Total	$	31,074			3.86	%	$	29,938		4.21	%	$	27,983		5.21	%

⁽¹⁾	Average Annual Mortgage Interest Rate.

⁽²⁾	Total reserves were $707 million as of June 30, 2016.

Canada Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Net Operating Income and Sales—Canada Mortgage Insurance Segment

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	122		$	111		$	233		$	115		$	116		$	116		$	119		$	466
Net investment income		32			29			61			31			32			33			34			130
Net investment gains (losses)		(8	)		20			12			(11	)		(23	)		20			(18	)		(32	)
Policy fees and other income		1			—			1			—			(1	)		—			1			—

Total revenues		147			160			307			135			124			169			136			564

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		25			26			51			26			24			21			25			96
Acquisition and operating expenses, net of deferrals		19			18			37			16			16			22			12			66
Amortization of deferred acquisition costs and intangibles		10			9			19			9			9			9			9			36
Interest expense		4			4			8			4			5			4			5			18

Total benefits and expenses		58			57			115			55			54			56			51			216

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		89			103			192			80			70			113			85			348
Provision for income taxes		23			29			52			20			17			31			22			90

INCOME FROM CONTINUING OPERATIONS		66			74			140			60			53			82			63			258
Less: income from continuing operations attributable to noncontrolling interests		30			34			64			27			24			38			29			118

INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		36			40			76			33			29			44			34			140

ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net⁽¹⁾		4			(11	)		(7	)		7			13			(11	)		10			19
Taxes on adjustments		(2	)		4			2			(3	)		(4	)		4			(4	)		(7	)

NET OPERATING INCOME⁽²⁾	$	38		$	33		$	71		$	37		$	38		$	37		$	40		$	152



SALES:
New Insurance Written (NIW)
Flow	$	4,400		$	2,500		$	6,900		$	4,700		$	6,600		$	5,400		$	3,300		$	20,000
Bulk		19,700			3,200			22,900			7,300			4,800			3,300			5,000			20,400

Total Canada NIW⁽³⁾	$	24,100		$	5,700		$	29,800		$	12,000		$	11,400		$	8,700		$	8,300		$	40,400

⁽¹⁾	Net investment (gains) losses were adjusted for the portion of net investment gains (losses) attributable to noncontrolling interests as reconciled below:


Net investment (gains) losses, gross	$	8		$	(20	)	$	(12	)	$	11		$	23		$	(20	)	$	18		$	32
Adjustment for net investment gains (losses) attributable to noncontrolling interests		(4	)		9			5			(4	)		(10	)		9			(8	)		(13	)

Net investment (gains) losses, net	$	4		$	(11	)	$	(7	)	$	7		$	13		$	(11	)	$	10		$	19

⁽²⁾	Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $40 million and $79 million for the three and six months ended June 30, 2016, respectively.

⁽³⁾	New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $25,300 million and $31,900 million for the three and six months ended June 30, 2016, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	191		$	84		$	275		$	162		$	204		$	166		$	109		$	641
Loss Ratio⁽¹⁾		20	%		24	%		22	%		23	%		21	%		17	%		22	%		21	%
Expense Ratio (Net Earned Premiums)⁽²⁾		24	%		24	%		24	%		22	%		22	%		27	%		18	%		22	%
Expense Ratio (Net Premiums Written)⁽³⁾		15	%		32	%		20	%		15	%		12	%		19	%		20	%		16	%

Primary Insurance In-Force⁽⁴⁾	$	341,600		$	317,400					$	292,600		$	292,000		$	300,900		$	288,800
Primary Risk In-Force⁽⁵⁾
Flow	$	81,400		$	79,900					$	74,300		$	75,500		$	78,500		$	75,700
Bulk		38,100			31,200						28,100			26,700			26,800			25,400

Total	$	119,500		$	111,100					$	102,400		$	102,200		$	105,300		$	101,100



	June 30, 2016									March 31, 2016
Risk In-Force by Loan-To-Value Ratio⁽⁶⁾	Primary			Flow			Bulk			Primary			Flow			Bulk
95.01% and above	$	39,332		$	39,332		$	—		$	38,398		$	38,398		$	—
90.01% to 95.00%		24,401			24,401			—			24,011			24,011			—
80.01% to 90.00%		14,756			14,753			3			14,602			14,599			3
80.00% and below		41,058			2,960			38,098			34,078			2,928			31,150

Total	$	119,547		$	81,446		$	38,101		$	111,089		$	79,936		$	31,153

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.

Amounts may not total due to rounding.

⁽¹⁾	The ratio of incurred losses and loss adjustment expenses to net earned premiums.

⁽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 premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles.

⁽⁴⁾

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 on a quarter lag. As a result, the company estimates that the outstanding balance of insured mortgages was approximately $152.0 billion, $139.0 billion, $138.0 billion, $142.0 billion and $137.0 billion as of March 31, 2016, December 31, 2015, September 30, 2015, June 30, 2015 and March 31, 2015, respectively. This is based on the extrapolation of the amounts reported by lenders to the entire insured population.

⁽⁵⁾

The business currently provides 100% coverage on the majority of the loans the company insures. For the purpose of representing the risk in-force, Canada 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 business. This factor was 35% for all periods presented.

⁽⁶⁾	Loan amount in loan-to-value ratio calculation includes capitalized premiums, where applicable.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(dollar amounts in millions)


Primary Insurance	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
Insured loans in-force^(1),(2)		1,968,171			1,860,978			1,835,916			1,785,541			1,737,083
Insured delinquent loans		1,961			2,034			1,829			1,715			1,666
Insured delinquency rate^(2),(3)		0.10	%		0.11	%		0.10	%		0.10	%		0.10	%

Flow loans in-force⁽¹⁾		1,358,927			1,341,636			1,331,773			1,313,034			1,287,744
Flow delinquent loans		1,669			1,711			1,550			1,449			1,435
Flow delinquency rate⁽³⁾		0.12	%		0.13	%		0.12	%		0.11	%		0.11	%

Bulk loans in-force⁽¹⁾		609,244			519,342			504,143			472,507			449,339
Bulk delinquent loans		292			323			279			266			231
Bulk delinquency rate⁽³⁾		0.05	%		0.06	%		0.06	%		0.06	%		0.05	%

Loss Metrics	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
Beginning Reserves	$	102		$	87		$	83		$	85		$	85
Paid claims⁽⁴⁾		(21	)		(18	)		(18	)		(20	)		(21	)
Increase in reserves		23			26			25			23			19
Impact of changes in foreign exchange rates		—			7			(3	)		(5	)		2

Ending Reserves	$	104		$	102		$	87		$	83		$	85


	June 30, 2016						March 31, 2016						June 30, 2015
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		47	%		0.04	%		47	%		0.05	%		46	%		0.04	%
Alberta		16			0.17	%		17			0.16	%		17			0.09	%
British Columbia		15			0.07	%		14			0.08	%		14			0.11	%
Quebec		13			0.17	%		13			0.20	%		14			0.19	%
Saskatchewan		3			0.25	%		3			0.21	%		3			0.13	%
Nova Scotia		2			0.20	%		2			0.20	%		2			0.20	%
Manitoba		2			0.09	%		2			0.10	%		2			0.07	%
New Brunswick		1			0.18	%		1			0.21	%		1			0.18	%
All Other		1			0.12	%		1			0.14	%		1			0.12	%

Total		100	%		0.10	%		100	%		0.11	%		100	%		0.10	%


By Policy Year
2007 and prior		31	%		0.04	%		35	%		0.05	%		37	%		0.05	%
2008		6			0.19	%		6			0.19	%		7			0.20	%
2009		4			0.17	%		4			0.18	%		4			0.16	%
2010		6			0.20	%		6			0.22	%		7			0.20	%
2011		6			0.26	%		6			0.29	%		7			0.25	%
2012		8			0.21	%		8			0.24	%		10			0.19	%
2013		8			0.18	%		9			0.19	%		10			0.10	%
2014		9			0.15	%		10			0.12	%		12			0.05	%
2015		13			0.03	%		14			0.02	%		6			—	%
2016		9			—	%		2			—	%		—			—	%

Total		100	%		0.10	%		100	%		0.11	%		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 on a quarter lag. As a result, the company estimates that the outstanding loans in-force were 883,000 as of March 31, 2016, 870,000 as of December 31, 2015, 836,000 as of September 30, 2015, 828,000 as of June 30, 2015, and 809,100 as of March 31, 2015. This is based on the extrapolation of the amounts reported by lenders to the entire insured population. The corresponding insured delinquency rate was 0.23% as of March 31, 2016, 0.21% as of December 31, 2015 and September 30, 2015, 0.20% as of June 30, 2015 and 0.22% as of March 31, 2015.

⁽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

SECOND QUARTER 2016

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(Canadian dollar amounts in millions)


	2016								2015
	2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims⁽¹⁾
Flow	$	25		$	24		$	49	$	23		$	25		$	25		$	25		$	98
Bulk		2			1			3		1			1			1			2			5

Total Paid Claims	$	27		$	25		$	52	$	24		$	26		$	26		$	27		$	103


Average Paid Claim (in thousands)	$	62.5		$	67.8				$	63.7		$	66.2		$	58.7		$	67.9

Average Reserve Per Delinquency (in thousands)	$	69.1		$	65.0				$	65.7		$	64.2		$	63.6		$	60.4

Loss Metrics

Beginning Reserves	$	132		$	120				$	110		$	106		$	108		$	106
Paid claims⁽¹⁾		(27	)		(25	)				(24	)		(26	)		(26	)		(27	)
Increase in reserves		31			37					34			30			24			29

Ending Reserves	$	136		$	132				$	120		$	110		$	106		$	108

Loan Amount⁽²⁾

Over $550K		8	%		7	%				7	%		7	%		6	%		6	%
$400K to $550K		14			13					13			12			12			12
$250K to $400K		34			34					33			33			33			33
$100K to $250K		40			42					43			44			44			44
$100K or Less		4			4					4			4			5			5

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


Average Primary Loan Size (in thousands)	$	225		$	222				$	221		$	218		$	216		$	215

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.

Australia Mortgage Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Net Operating Income and Sales—Australia Mortgage Insurance Segment

(amounts in millions)


	2016								2015
	2Q			1Q		Total			4Q			3Q			2Q		1Q			Total
REVENUES:
Premiums	$	86		$	81	$	167		$	86		$	92		$	90	$	89		$	357
Net investment income		25			24		49			25			28			29		32			114
Net investment gains (losses)		2			—		2			2			3			—		1			6
Policy fees and other income		—			—		—			1			(1	)		1		(4	)		(3	)

Total revenues		113			105		218			114			122			120		118			474

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		31			21		52			15			27			25		14			81
Acquisition and operating expenses, net of deferrals		25			19		44			24			27			25		22			98
Amortization of deferred acquisition costs and intangibles		4			3		7			4			4			5		5			18
Interest expense		3			3		6			3			3			2		2			10

Total benefits and expenses		63			46		109			46			61			57		43			207

INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		50			59		109			68			61			63		75			267
Provision for income taxes		16			19		35			20			18			18		24			80

INCOME FROM CONTINUING OPERATIONS		34			40		74			48			43			45		51			187
Less: income from continuing operations attributable to noncontrolling interests		18			21		39			25			22			16		21			84

INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		16			19		35			23			21			29		30			103

ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net⁽¹⁾		(1	)		—		(1	)		(2	)		(1	)		—		—			(3	)
(Gains) losses on early extinguishment of debt⁽²⁾		—			—		—			—			1			—		—			1
Taxes on adjustments		—			—		—			1			—			—		—			1

NET OPERATING INCOME⁽³⁾	$	15		$	19	$	34		$	22		$	21		$	29	$	30		$	102



SALES:
New Insurance Written (NIW)
Flow	$	5,000		$	4,400	$	9,400		$	4,600		$	6,300		$	6,500	$	5,800		$	23,200
Bulk		800			—		800			—			—			1,700		—			1,700

Total Australia NIW⁽⁴⁾	$	5,800		$	4,400	$	10,200		$	4,600		$	6,300		$	8,200	$	5,800		$	24,900

⁽¹⁾	Net investment (gains) losses were adjusted for the portion of net investment gains (losses) attributable to noncontrolling interests as reconciled below:


Net investment (gains) losses, gross	$	(2	)	$	—	$	(2	)	$	(2	)	$	(3	)	$	—	$	(1	)	$	(6	)
Adjustment for net investment gains (losses) attributable to noncontrolling interests		1			—		1			—			2			—		1			3

Net investment (gains) losses, net	$	(1	)	$	—	$	(1	)	$	(2	)	$	(1	)	$	—	$	—		$	(3	)

⁽²⁾	For the three months ended September 30, 2015, (gains) losses on early extinguishment of debt were adjusted by $1 million for the portion attributable to noncontrolling interests.

⁽³⁾	Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $16 million and $38 million for the three and six months ended June 30, 2016, respectively.

⁽⁴⁾	New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $6,000 million and $10,900 million for the three and six months ended June 30, 2016, respectively.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	65		$	47		$	112		$	55		$	79		$	107		$	87		$	328
Loss Ratio^(1),(2)		36	%		26	%		31	%		17	%		29	%		28	%		15	%		23	%
Expense Ratio (Net Earned Premiums)⁽³⁾		33	%		27	%		30	%		31	%		34	%		33	%		30	%		32	%
Expense Ratio (Net Premiums Written)⁽⁴⁾		44	%		47	%		45	%		49	%		40	%		28	%		31	%		35	%

Primary Insurance In-Force	$	241,100		$	246,800					$	233,600		$	224,100		$	243,800		$	240,900
Primary Risk In-Force⁽⁵⁾
Flow	$	78,300		$	80,300					$	76,000		$	72,900		$	79,100		$	78,600
Bulk		5,700			5,700						5,500			5,500			6,200			5,700

Total	$	84,000		$	86,000					$	81,500		$	78,400		$	85,300		$	84,300



	June 30, 2016									March 31, 2016
Risk In-Force by Loan-To-Value Ratio⁽⁶⁾	Primary			Flow			Bulk			Primary			Flow			Bulk
95.01% and above	$	14,812		$	14,812		$	—		$	15,585		$	15,585		$	—
90.01% to 95.00%		21,843			21,837			6			22,243			22,237			6
80.01% to 90.00%		22,356			22,291			65			22,803			22,736			67
80.00% and below		25,037			19,368			5,669			25,392			19,744			5,648

Total	$	84,048		$	78,308		$	5,740		$	86,023		$	80,302		$	5,721

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.

Amounts may not total due to rounding.

⁽¹⁾	The ratio of incurred losses and loss adjustment expenses to net earned premiums.

⁽²⁾

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.

⁽³⁾

The ratio of an insurer’s general expenses to net earned premiums. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles. The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted this expense ratio by two percentage points for the three months ended September 30, 2015.

⁽⁴⁾

The ratio of an insurer’s general expenses to net premiums written. In the business, general expenses consist of acquisition and operating expenses, net of deferrals, and amortization of DAC and intangibles. The debt early redemption payment of $2 million in the third quarter of 2015 unfavorably impacted this expense ratio by two percentage points for the three months ended September 30, 2015.

⁽⁵⁾

The business currently provides 100% coverage on the majority of the loans the company insures. For the purpose of representing the risk in-force, Australia 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 business. This factor was 35% for all periods presented. Australia also 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.

⁽⁶⁾	Loan amount in loan-to-value ratio calculation includes capitalized premiums, where applicable.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(dollar amounts in millions)


Primary Insurance	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
Insured loans in-force		1,477,826			1,479,544			1,478,434			1,479,676			1,481,755
Insured delinquent loans		6,413			5,889			5,552			5,804			5,900
Insured delinquency rate		0.43	%		0.40	%		0.38	%		0.39	%		0.40	%

Flow loans in-force		1,364,756			1,366,914			1,364,628			1,364,537			1,364,653
Flow delinquent loans		6,143			5,633			5,317			5,545			5,623
Flow delinquency rate		0.45	%		0.41	%		0.39	%		0.41	%		0.41	%

Bulk loans in-force		113,070			112,630			113,806			115,139			117,102
Bulk delinquent loans		270			256			235			259			277
Bulk delinquency rate		0.24	%		0.23	%		0.21	%		0.22	%		0.24	%

Loss Metrics	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
Beginning Reserves	$	181		$	165		$	156		$	160		$	149
Paid claims⁽¹⁾		(17	)		(13	)		(14	)		(16	)		(15	)
Increase in reserves		31			20			17			27			25
Impact of changes in foreign exchange rates		(5	)		9			6			(15	)		1

Ending Reserves	$	190		$	181		$	165		$	156		$	160


	June 30, 2016						March 31, 2016						June 30, 2015
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	%		0.29	%		29	%		0.30%
Queensland		23			0.62	%		23			0.55	%		23			0.57%
Victoria		23			0.37	%		23			0.35	%		23			0.34%
Western Australia		11			0.61	%		11			0.53	%		11			0.45%
South Australia		6			0.59	%		6			0.52	%		6			0.52%
Australian Capital Territory		3			0.19	%		3			0.18	%		3			0.14%
Tasmania		2			0.36	%		2			0.38	%		2			0.35%
New Zealand		2			0.10	%		2			0.13	%		2			0.27%
Northern Territory		1			0.27	%		1			0.21	%		1			0.24%

Total		100	%		0.43	%		100	%		0.40	%		100	%		0.40%


By Policy Year
2007 and prior		35	%		0.31	%		36	%		0.29	%		37	%		0.32%
2008		6			1.01	%		6			0.98	%		7			0.97%
2009		7			0.84	%		7			0.73	%		8			0.73%
2010		6			0.55	%		6			0.51	%		6			0.45%
2011		6			0.58	%		6			0.52	%		7			0.46%
2012		8			0.64	%		8			0.54	%		9			0.49%
2013		9			0.54	%		9			0.47	%		10			0.32%
2014		10			0.36	%		11			0.26	%		11			0.12%
2015		9			0.11	%		9			0.06	%		5			— %
2016		4			—	%		2			—	%		—			— %

Total		100	%		0.43	%		100	%		0.40	%		100	%		0.40%

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(Australian dollar amounts in millions)


	2016								2015
	2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims⁽¹⁾
Flow	$	23		$	18		$	41	$	22		$	21		$	19		$	17		$	79
Bulk		—			—			—		—			—			—			1			1

Total Paid Claims	$	23		$	18		$	41	$	22		$	21		$	19		$	18		$	80


Average Paid Claim (in thousands)	$	79.2		$	65.8				$	71.0		$	65.9		$	66.9		$	62.5

Average Reserve Per Delinquency (in thousands)	$	39.9		$	40.1				$	40.7		$	38.3		$	35.2		$	36.4

Loss Metrics
Beginning Reserves	$	236		$	226				$	222		$	208		$	196		$	186
Paid claims⁽¹⁾		(23	)		(18	)				(22	)		(21	)		(19	)		(18	)
Increase in reserves		43			28					26			35			31			28

Ending Reserves	$	256		$	236				$	226		$	222		$	208		$	196

Loan Amount⁽²⁾

Over $550K		15	%		15	%				15	%		15	%		14	%		13	%
$400K to $550K		20			20					19			19			19			19
$250K to $400K		36			36					36			36			36			37
$100K to $250K		24			24					25			25			25			26
$100K or Less		5			5					5			5			6			5

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


Average Primary Loan Size (in thousands)	$	219		$	218				$	217		$	216		$	213		$	211

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.

U.S. Life Insurance Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	756		$	436		$	1,192		$	797		$	784		$	769		$	778		$	3,128
Net investment income		670			684			1,354			673			680			677			671			2,701
Net investment gains (losses)		114			(16	)		98			17			(16	)		(7	)		(4	)		(10	)
Policy fees and other income		180			177			357			187			177			182			180			726

Total revenues		1,720			1,281			3,001			1,674			1,625			1,621			1,625			6,545

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,089			758			1,847			1,324			1,155			1,122			1,091			4,692
Interest credited		143			144			287			148			148			150			150			596
Acquisition and operating expenses, net of deferrals		199			165			364			178			176			167			163			684
Amortization of deferred acquisition costs and intangibles		84			78			162			194			530			75			73			872
Interest expense		5			28			33			23			22			22			25			92

Total benefits and expenses		1,520			1,173			2,693			1,867			2,031			1,536			1,502			6,936

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		200			108			308			(193	)		(406	)		85			123			(391	)
Provision (benefit) for income taxes		70			39			109			(68	)		(144	)		31			43			(138	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		130			69			199			(125	)		(262	)		54			80			(253	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net⁽¹⁾		(119	)		11			(108	)		(20	)		10			4			1			(5	)
(Gains) losses on sale of businesses		(1	)		—			(1	)		—			—			—			—			—
(Gains) losses from life block transactions		—			9			9			—			455			—			—			455
Expenses related to restructuring		3			15			18			3			—			2			—			5
Taxes on adjustments		42			(13	)		29			7			(163	)		(3	)		—			(159	)

NET OPERATING INCOME (LOSS)	$	55		$	91		$	146		$	(135	)	$	40		$	57		$	81		$	43

⁽¹⁾	Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:


Net investment (gains) losses, gross	$	(114	)	$	16		$	(98	)	$	(17	)	$	16		$	7		$	4		$	10
Adjustment for DAC and other intangible amortization and certain benefit reserves		(5	)		(5	)		(10	)		(3	)		(6	)		(3	)		(3	)		(15	)

Net investment (gains) losses, net	$	(119	)	$	11		$	(108	)	$	(20	)	$	10		$	4		$	1		$	(5	)

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	636		$	618		$	1,254		$	633		$	618		$	597		$	589		$	2,437
Net investment income		344			329			673			325			327			320			313			1,285
Net investment gains (losses)		139			4			143			24			4			(3	)		3			28
Policy fees and other income		—			1			1			1			—			1			—			2

Total revenues		1,119			952			2,071			983			949			915			905			3,752

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		806			776			1,582			797			825			780			766			3,168
Interest credited		—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		93			95			188			110			112			98			95			415
Amortization of deferred acquisition costs and intangibles		26			26			52			25			24			24			26			99
Interest expense		—			—			—			—			—			—			—			—

Total benefits and expenses		925			897			1,822			932			961			902			887			3,682

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		194			55			249			51			(12	)		13			18			70
Provision (benefit) for income taxes		68			20			88			19			(5	)		5			6			25

INCOME (LOSS) FROM CONTINUING OPERATIONS		126			35			161			32			(7	)		8			12			45

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses		(139	)		(4	)		(143	)		(24	)		(4	)		3			(3	)		(28	)
Expenses related to restructuring		2			3			5			2			—			1			—			3
Taxes on adjustments		48			—			48			9			1			(2	)		1			9

NET OPERATING INCOME (LOSS)	$	37		$	34		$	71		$	19		$	(10	)	$	10		$	10		$	29



SALES:
Individual Long-Term Care Insurance	$	4		$	5		$	9		$	8		$	7		$	8		$	10		$	33
Group Long-Term Care Insurance		2			2			4			2			1			1			1			5

Total Sales	$	6		$	7		$	13		$	10		$	8		$	9		$	11		$	38

RATIOS:
Loss Ratio⁽¹⁾		70.1	%		67.6	%		68.9	%		72.9	%		76.4	%		72.6	%		72.4	%		73.6	%
Gross Benefits Ratio⁽²⁾		126.7	%		125.5	%		126.1	%		125.9	%		133.5	%		130.5	%		130.2	%		130.0	%

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

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

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums⁽¹⁾	$	120		$	(185	)	$	(65	)	$	160		$	162		$	169		$	179		$	670
Net investment income		117			133			250			125			126			127			127			505
Net investment gains (losses)		(1	)		2			1			15			(8	)		3			3			13
Policy fees and other income		176			173			349			183			175			178			178			714

Total revenues		412			123			535			483			455			477			487			1,902

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves⁽¹⁾		231			(87	)		144			446			248			266			250			1,210
Interest credited		65			64			129			68			66			68			66			268
Acquisition and operating expenses, net of deferrals		39			51			90			50			48			52			51			201
Amortization of deferred acquisition costs and intangibles		27			33			60			150			487			33			30			700
Interest expense		5			28			33			23			22			22			25			92

Total benefits and expenses		367			89			456			737			871			441			422			2,471

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		45			34			79			(254	)		(416	)		36			65			(569	)
Provision (benefit) for income taxes		16			12			28			(90	)		(147	)		13			23			(201	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		29			22			51			(164	)		(269	)		23			42			(368	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses		1			(2	)		(1	)		(15	)		8			(3	)		(3	)		(13	)
(Gains) losses on sale of businesses		(1	)		—			(1	)		—			—			—			—			—
(Gains) losses from life block transactions		—			9			9			—			455			—			—			455
Expenses related to restructuring		2			8			10			—			—			1			—			1
Taxes on adjustments		—			(6	)		(6	)		6			(163	)		1			1			(155	)

NET OPERATING INCOME (LOSS)	$	31		$	31		$	62		$	(173	)	$	31		$	22		$	40		$	(80	)

SALES:
Term Life	$	2		$	5		$	7		$	6		$	7		$	9		$	9		$	31
Universal Life		1			2			3			3			2			4			4			13
Linked-Benefits		1			2			3			1			3			2			4			10

Total Sales	$	4		$	9		$	13		$	10		$	12		$	15		$	17		$	54

⁽¹⁾

In January 2016, as part of a life block transaction, the company entered into a new reinsurance agreement to cede certain of its term life insurance policies. This new reinsurance agreement primarily reduced premiums by $326 million and reduced benefits and other changes in policy reserves by $331 million for the amounts initially ceded.

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

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

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	3		$	3		$	4		$	4		$	3		$	10		$	21
Net investment income		209			222			431			223			227			230			231			911
Net investment gains (losses)		(24	)		(22	)		(46	)		(22	)		(12	)		(7	)		(10	)		(51	)
Policy fees and other income		4			3			7			3			2			3			2			10

Total revenues		189			206			395			208			221			229			233			891

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves⁽¹⁾		52			69			121			81			82			76			75			314
Interest credited		78			80			158			80			82			82			84			328
Acquisition and operating expenses, net of deferrals⁽²⁾		67			19			86			18			16			17			17			68
Amortization of deferred acquisition costs and intangibles		31			19			50			19			19			18			17			73
Interest expense		—			—			—			—			—			—			—			—

Total benefits and expenses		228			187			415			198			199			193			193			783

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(39	)		19			(20	)		10			22			36			40			108
Provision (benefit) for income taxes		(14	)		7			(7	)		3			8			13			14			38

INCOME (LOSS) FROM CONTINUING OPERATIONS		(25	)		12			(13	)		7			14			23			26			70

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net⁽³⁾		19			17			36			19			6			4			7			36
Expenses related to restructuring		(1	)		4			3			1			—			—			—			1
Taxes on adjustments		(6	)		(7	)		(13	)		(8	)		(1	)		(2	)		(2	)		(13	)

NET OPERATING INCOME (LOSS)	$	(13	)	$	26		$	13		$	19		$	19		$	25		$	31		$	94



SALES:
Single Premium Deferred Annuities	$	8		$	159		$	167		$	297		$	248		$	211		$	306		$	1,062
Single Premium Immediate Annuities		1			9			10			17			12			13			20			62

Total Sales	$	9		$	168		$	177		$	314		$	260		$	224		$	326		$	1,124

⁽¹⁾	In the second quarter of 2016, benefits and other changes in policy reserves included $45 million of lower assumed reinsurance in connection with the recapture by a third party.

⁽²⁾	In the second quarter of 2016, acquisition and operating expenses, net of deferrals, included a $55 million ceding commission paid in connection with the recapture by a third party.

⁽³⁾	Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:


Net investment (gains) losses, gross	$	24		$	22		$	46		$	22		$	12		$	7		$	10		$	51
Adjustment for DAC and other intangible amortization and certain benefit reserves		(5	)		(5	)		(10	)		(3	)		(6	)		(3	)		(3	)		(15	)

Net investment (gains) losses, net	$	19		$	17		$	36		$	19		$	6		$	4		$	7		$	36

Runoff Segment

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Net Operating Income (Loss)—Runoff Segment

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	1		$	—		$	1
Net investment income		36			35			71			35			32			40			31			138
Net investment gains (losses)		(13	)		(8	)		(21	)		(30	)		(25	)		(8	)		(6	)		(69	)
Policy fees and other income		42			42			84			45			46			49			49			189

Total revenues		65			69			134			50			53			82			74			259

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			15			24			8			18			11			7			44
Interest credited		30			33			63			32			31			31			30			124
Acquisition and operating expenses, net of deferrals		18			16			34			19			17			21			19			76
Amortization of deferred acquisition costs and intangibles		12			6			18			(3	)		17			10			5			29
Interest expense		—			—			—			—			—			1			—			1

Total benefits and expenses		69			70			139			56			83			74			61			274

INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(4	)		(1	)		(5	)		(6	)		(30	)		8			13			(15	)
Provision (benefit) for income taxes		(2	)		(2	)		(4	)		(3	)		(12	)		2			3			(10	)

INCOME (LOSS) FROM CONTINUING OPERATIONS		(2	)		1			(1	)		(3	)		(18	)		6			10			(5	)

ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net⁽¹⁾		12			4			16			22			21			5			1			49
Taxes on adjustments		(4	)		(1	)		(5	)		(8	)		(7	)		(2	)		—			(17	)

NET OPERATING INCOME (LOSS)	$	6		$	4		$	10		$	11		$	(4	)	$	9		$	11		$	27

⁽¹⁾	Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:


Net investment (gains) losses, gross	$	13		$	8		$	21		$	30		$	25		$	8		$	6		$	69
Adjustment for DAC and other intangible amortization and certain benefit reserves		(1	)		(4	)		(5	)		(8	)		(4	)		(3	)		(5	)		(20	)

Net investment (gains) losses, net	$	12		$	4		$	16		$	22		$	21		$	5		$	1		$	49

Corporate and Other

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Net Operating Loss—Corporate and Other⁽¹⁾

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	3		$	6		$	9		$	6		$	7		$	5		$	7		$	25
Net investment income		1			2			3			3			(1	)		1			(6	)		(3	)
Net investment gains (losses)⁽²⁾		(65	)		(14	)		(79	)		6			9			3			11			29
Policy fees and other income⁽³⁾		76			1			77			—			—			(10	)		—			(10	)

Total revenues		15			(5	)		10			15			15			(1	)		12			41

BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1			2			3			3			3			3			5			14
Acquisition and operating expenses, net of deferrals⁽⁴⁾		25			137			162			154			40			22			14			230
Amortization of deferred acquisition costs and intangibles		—			—			—			—			—			—			1			1
Interest expense		68			70			138			74			75			74			75			298

Total benefits and expenses		94			209			303			231			118			99			95			543

LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(79	)		(214	)		(293	)		(216	)		(103	)		(100	)		(83	)		(502	)
Benefit for income taxes		(31	)		(96	)		(127	)		(28	)		(33	)		(39	)		(30	)		(130	)

LOSS FROM CONTINUING OPERATIONS		(48	)		(118	)		(166	)		(188	)		(70	)		(61	)		(53	)		(372	)

ADJUSTMENTS TO LOSS FROM CONTINUING OPERATIONS:
Net investment (gains) losses		65			14			79			(6	)		(9	)		(3	)		(11	)		(29	)
(Gains) losses on sale of businesses		(9	)		7			(2	)		140			—			—			—			140
(Gains) losses on early extinguishment of debt		(64	)		16			(48	)		—			1			—			—			1
Expenses related to restructuring		2			—			2			2			—			1			—			3
Fees associated with bond consent solicitation		—			18			18			—			—			—			—			—
Taxes on adjustments		2			(42	)		(40	)		(6	)		10			1			4			9

NET OPERATING LOSS	$	(52	)	$	(105	)	$	(157	)	$	(58	)	$	(68	)	$	(62	)	$	(60	)	$	(248	)

⁽¹⁾	Includes inter-segment eliminations and the results of other businesses that are managed outside the operating segments, including certain smaller international mortgage insurance businesses.

⁽²⁾	In the second quarter of 2016, net investment gains (losses) included a $64 million loss from the write-off of residual interest in certain policy loan securitization entities.

⁽³⁾	In the second quarter of 2016, the company settled restricted borrowings of $70 million related to a securitization entity and recorded a $64 million pre-tax gain related to the early extinguishment of debt, which was included in policy fees and other income.

⁽⁴⁾

In the first quarter of 2016, acquisition and operating expenses, net of deferrals, included the following: $83 million of legal fees and expenses, including $69 million related to the settlement of the long-term care insurance class action lawsuit; $20 million of make-whole expense on the early redemption of Genworth Holdings’ 2016 senior notes in January 2016; $18 million associated with Genworth Holdings’ bond consent solicitation for broker, advisor and investment banking fees; and an additional estimated loss of $7 million related to the planned sale of the mortgage insurance business in Europe. In the fourth quarter of 2015, acquisition and operating expenses, net of deferrals, included an estimated loss of $140 million related to the planned sale of the mortgage insurance business in Europe.

Additional Financial Data

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Investments Summary

(amounts in millions)


		June 30, 2016					March 31, 2016					December 31, 2015					September 30, 2015					June 30, 2015
		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		$	35,003		45	%	$	33,362		44	%	$	31,969		43	%	$	33,541		44	%	$	33,407		45	%
Private fixed maturity securities			11,370		15			10,867		14			10,822		15			10,908		15			10,777		14
Residential mortgage-backed securities⁽¹⁾			4,981		6			5,041		7			4,998		7			5,008		7			4,954		7
Commercial mortgage-backed securities			2,940		4			2,633		4			2,475		3			2,492		3			2,475		3
Other asset-backed securities			3,279		4			3,287		4			3,253		4			3,904		5			3,837		5
State and political subdivisions			2,751		4			2,517		3			2,428		3			2,447		3			2,388		3
Non-investment grade fixed maturity securities			2,504		3			2,583		3			2,252		3			2,346		3			2,530		3
Equity securities:
Common stocks and mutual funds			140		—			108		—			37		—			37		—			62		—
Preferred stocks			341		1			323		—			273		—			236		—			237		1
Commercial mortgage loans			6,121		8			6,179		8			6,170		8			6,133		8			6,175		8
Restricted commercial mortgage loans related to securitization entities			141		—			155		—			161		—			175		—			181		—
Policy loans			1,754		2			1,565		2			1,568		2			1,567		2			1,584		2
Cash, cash equivalents and short-term investments			3,730		5			4,217		6			6,162		8			4,003		6			4,413		6
Securities lending			328		—			415		1			347		—			367		—			337		—
Other invested assets:	Limited partnerships		181		—			177		—			188		—			195		—			216		—
	Derivatives:
	Long-term care (LTC) forward starting swap—cash flow		627		1			1,087		1			629		1			768		1			423		1
	Other cash flow		7		—			7		—			8		—			8		—			8		—
	Equity index options—non-qualified		57		—			36		—			30		—			15		—			12		—
	Other non-qualified		578		1			537		1			445		1			534		1			416		—
	Trading portfolio		441		1			471		1			447		1			458		1			368		1
	Restricted other invested assets related to securitization entities		312		—			422		1			413		1			412		1			410		1
	Other		18		—			19		—			18		—			51		—			52		—

Total invested assets and cash		$	77,604		100	%	$	76,008		100	%	$	75,093		100	%	$	75,605		100	%	$	75,262		100	%

Public Fixed Maturity Securities—Credit Quality:
NRSRO⁽²⁾ Designation
AAA		$	15,714		33	%	$	15,385		34	%	$	14,785		34	%	$	15,057		33	%	$	14,920		33	%
AA			4,455		10			4,174		10			4,121		10			4,603		10			4,763		11
A			13,122		28			12,664		28			12,155		28			13,485		30			13,376		30
BBB			12,154		26			11,213		25			10,720		25			10,667		24			10,576		23
BB			1,440		3			1,464		3			1,200		3			1,234		3			1,276		3
B			149		—			141		—			63		—			50		—			68		—
CCC and lower			56		—			77		—			92		—			95		—			99		—

Total public fixed maturity securities		$	47,090		100	%	$	45,118		100	%	$	43,136		100	%	$	45,191		100	%	$	45,078		100	%

Private Fixed Maturity Securities—Credit Quality:
NRSRO⁽²⁾ Designation
AAA		$	1,683		10	%	$	1,614		10	%	$	1,531		10	%	$	1,725		11	%	$	1,641		11	%
AA			2,013		13			1,923		13			1,899		13			1,966		13			1,941		13
A			4,864		31			4,725		31			4,731		31			4,737		31			4,781		31
BBB			6,319		40			6,009		40			6,003		40			6,060		39			5,840		38
BB			734		5			772		5			777		5			839		5			973		6
B			102		1			104		1			104		1			114		1			101		1
CCC and lower			23		—			25		—			16		—			14		—			13		—

Total private fixed maturity securities		$	15,738		100	%	$	15,172		100	%	$	15,061		100	%	$	15,455		100	%	$	15,290		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

SECOND QUARTER 2016

Fixed Maturity Securities Summary

(amounts in millions)


	June 30, 2016					March 31, 2016					December 31, 2015					September 30, 2015					June 30, 2015
	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	$	6,806		11	%	$	6,524		11	%	$	6,203		11	%	$	5,913		10	%	$	5,721		9	%
State and political subdivisions		2,751		4			2,517		4			2,438		4			2,448		4			2,389		4
Foreign government		2,113		3			2,080		3			2,015		3			1,935		3			1,955		3
U.S. corporate		26,984		43			25,389		43			24,401		42			25,679		43			25,135		42
Foreign corporate		12,833		21			12,629		21			12,199		21			13,027		22			13,628		23
Residential mortgage-backed securities		5,055		8			5,122		8			5,101		9			5,118		8			5,085		9
Commercial mortgage-backed securities		2,979		5			2,713		4			2,559		4			2,587		4			2,582		4
Other asset-backed securities		3,307		5			3,316		6			3,281		6			3,939		6			3,873		6

Total fixed maturity securities	$	62,828		100	%	$	60,290		100	%	$	58,197		100	%	$	60,646		100	%	$	60,368		100	%

Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,499		23	%	$	8,128		23	%	$	7,746		22	%	$	8,290		23	%	$	8,047		22	%
Utilities		5,507		15			5,275		15			4,453		13			4,618		12			4,568		12
Energy		2,949		8			2,908		8			3,839		11			4,249		11			4,403		12
Consumer—non-cyclical		5,292		14			4,894		14			4,619		13			4,647		13			4,504		12
Consumer—cyclical		2,039		5			2,150		6			2,119		6			2,288		6			2,319		6
Capital goods		2,613		7			2,444		7			2,361		7			2,461		7			2,434		7
Industrial		1,971		5			1,980		5			1,915		6			2,130		6			2,224		6
Technology and communications		3,272		9			3,019		8			2,872		8			3,095		8			3,107		9
Transportation		1,860		5			1,750		5			1,689		5			1,695		5			1,629		5
Other		3,538		9			3,162		9			3,049		9			3,213		9			3,356		9

Subtotal		37,540		100	%		35,710		100	%		34,662		100	%		36,686		100	%		36,591		100	%

Non-Investment Grade:
Finance and insurance		285		13	%		306		13	%		359		19	%		381		19	%		443		20	%
Utilities		74		3			78		4			83		4			67		3			68		3
Energy		679		30			693		30			348		18			400		20			409		19
Consumer—non-cyclical		217		9			226		10			229		12			230		11			257		12
Consumer—cyclical		131		6			86		4			82		4			98		5			99		5
Capital goods		153		7			216		9			193		10			204		10			234		11
Industrial		263		11			279		12			244		13			254		13			240		11
Technology and communications		335		15			320		14			309		16			293		14			336		15
Transportation		30		1			2		—			2		—			2		—			3		—
Other		110		5			102		4			89		4			91		5			83		4

Subtotal		2,277		100	%		2,308		100	%		1,938		100	%		2,020		100	%		2,172		100	%

Total	$	39,817		100	%	$	38,018		100	%	$	36,600		100	%	$	38,706		100	%	$	38,763		100	%

Fixed Maturity Securities—Contractual Maturity Dates:

Due in one year or less	$	1,851		3	%	$	1,879		3	%	$	1,744		3	%	$	2,075		4	%	$	2,003		3	%
Due after one year through five years		11,024		18			10,730		18			10,192		18			10,817		18			10,935		19
Due after five years through ten years		12,708		20			11,964		20			11,917		20			12,155		20			12,212		20
Due after ten years		25,904		41			24,566		41			23,403		40			23,955		40			23,678		39

Subtotal		51,487		82			49,139		82			47,256		81			49,002		82			48,828		81
Mortgage and asset-backed securities		11,341		18			11,151		18			10,941		19			11,644		18			11,540		19

Total fixed maturity securities	$	62,828		100	%	$	60,290		100	%	$	58,197		100	%	$	60,646		100	%	$	60,368		100	%

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

General Account GAAP Net Investment Income Yields

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	634		$	641		$	1,275		$	634		$	647		$	645		$	632		$	2,558
Fixed maturity securities—non-taxable		3			3			6			3			3			3			3			12
Commercial mortgage loans		77			81			158			85			84			83			85			337
Restricted commercial mortgage loans related to securitization entities		3			2			5			4			3			3			4			14
Equity securities		7			5			12			4			3			4			4			15
Other invested assets		33			32			65			30			22			17			33			102
Limited partnerships		—			6			6			2			4			20			7			33
Restricted other invested assets related to securitization entities		1			2			3			2			1			1			1			5
Policy loans		34			35			69			36			33			35			33			137
Cash, cash equivalents and short-term investments		6			5			11			3			3			4			3			13

Gross investment income before expenses and fees		798			812			1,610			803			803			815			805			3,226
Expenses and fees		(19	)		(23	)		(42	)		(22	)		(20	)		(22	)		(24	)		(88	)

Net investment income	$	779		$	789		$	1,568		$	781		$	783		$	793		$	781		$	3,138

Annualized Yields
Fixed maturity securities—taxable		4.6	%		4.7	%		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%
Fixed maturity securities—non-taxable		3.6	%		3.6	%		3.6	%		3.5	%		3.5	%		3.5	%		3.5	%		3.5	%
Commercial mortgage loans		5.0	%		5.2	%		5.1	%		5.5	%		5.5	%		5.4	%		5.6	%		5.5	%
Restricted commercial mortgage loans related to securitization entities		8.0	%		5.1	%		6.6	%		9.5	%		6.4	%		7.2	%		8.2	%		8.0	%
Equity securities		5.8	%		5.1	%		5.6	%		5.1	%		4.0	%		5.6	%		6.1	%		5.2	%
Other invested assets		31.9	%		29.4	%		30.8	%		27.4	%		22.2	%		24.2	%		60.6	%		30.7	%
Limited partnerships⁽¹⁾		0.0	%		13.2	%		6.6	%		4.2	%		7.8	%		37.0	%		12.0	%		15.5	%
Restricted other invested assets related to securitization entities		1.1	%		2.0	%		1.6	%		2.0	%		1.0	%		1.0	%		1.0	%		1.3	%
Policy loans		8.2	%		8.9	%		8.5	%		9.2	%		8.4	%		9.1	%		8.8	%		8.9	%
Cash, cash equivalents and short-term investments		0.6	%		0.4	%		0.5	%		0.2	%		0.3	%		0.3	%		0.2	%		0.3	%

Gross investment income before expenses and fees		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%		4.6	%
Expenses and fees		-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	%		4.5	%		4.5	%		4.5	%		4.5	%

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 49 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

SECOND QUARTER 2016

Net Investment Gains (Losses), Net—Detail

(amounts in millions)


	2016									2015
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	—		$	(7	)	$	(7	)	$	12		$	(3	)	$	—		$	—		$	9
U.S. government, agencies and government-sponsored enterprises		137			7			144			3			—			—			1			4
Foreign corporate		(6	)		(8	)		(14	)		(6	)		(1	)		(2	)		(7	)		(16	)
Foreign government		—			—			—			(2	)		—			1			1			—
Tax-exempt		—			—			—			(1	)		—			—			—			(1	)
Mortgage-backed securities		—			—			—			—			(3	)		2			—			(1	)
Asset-backed securities		(10	)		—			(10	)		(2	)		(2	)		—			—			(4	)
Equity securities		—			1			1			1			3			12			7			23
Foreign exchange		1			—			1			2			2			1			1			6

Total net realized gains (losses) on available-for-sale securities		122			(7	)		115			7			(4	)		14			3			20

Impairments:
Corporate fixed maturity securities		(16	)		(8	)		(24	)		(15	)		(6	)		—			—			(21	)
Foreign government		(1	)		—			(1	)		—			—			—			—			—
Limited partnerships		—			(3	)		(3	)		—			—			—			—			—
Commercial mortgage loans		(4	)		—			(4	)		—			(1	)		—			(3	)		(4	)
Commercial mortgage-backed securities		(1	)		—			(1	)		—			—			—			—			—
Other asset-backed securities		—			—			—			—			(2	)		—			—			(2	)

Total impairments		(22	)		(11	)		(33	)		(15	)		(9	)		—			(3	)		(27	)

Net unrealized gains (losses) on trading securities		16			28			44			(9	)		12			(16	)		6			(7	)
Commercial mortgage loans held-for-sale market valuation allowance		1			1			2			2			1			2			2			7
Net gains (losses) related to securitization entities		(61	)		8			(53	)		(4	)		(1	)		2			8			5
Derivative instruments		(24	)		(38	)		(62	)		3			(53	)		6			(32	)		(76	)
Contingent purchase price valuation change		(2	)		—			(2	)		—			2			—			—			2
Other		—			—			—			—			1			—			—			1

Net investment gains (losses), gross		30			(19	)		11			(16	)		(51	)		8			(16	)		(75	)
Adjustment for DAC and other intangible amortization and certain benefit reserves		6			9			15			11			10			6			8			35
Adjustment for net investment (gains) losses attributable to noncontrolling interests		3			(9	)		(6	)		4			8			(9	)		7			10

Net investment gains (losses), net	$	39		$	(19	)	$	20		$	(1	)	$	(33	)	$	5		$	(1	)	$	(30	)

Reconciliations of Non-GAAP Measures

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Reconciliation of Operating ROE

(amounts in millions)


Twelve Month Rolling Average ROE	Twelve months ended
	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended⁽¹⁾	$	(351	)	$	(716	)	$	(615	)	$	(1,083	)	$	(1,643	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	10,042		$	10,160		$	10,281		$	10,564		$	10,958
GAAP Basis ROE^(1)/(2)		-3.5	%		-7.0	%		-6.0	%		-10.3	%		-15.0	%

Operating ROE
Net operating income (loss) for the twelve months ended⁽¹⁾	$	208		$	204		$	255		$	(78	)	$	(465	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)⁽²⁾	$	10,042		$	10,160		$	10,281		$	10,564		$	10,958
Operating ROE^(1)/(2)		2.1	%		2.0	%		2.5	%		-0.7	%		-4.2	%

Quarterly Average ROE	Three months ended
	June 30, 2016			March 31, 2016			December 31, 2015			September 30, 2015			June 30, 2015
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended⁽³⁾	$	172		$	53		$	(292	)	$	(284	)	$	(193	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	9,958		$	9,842		$	9,958		$	10,241		$	10,507
Annualized GAAP Quarterly Basis ROE^(3)/(4)		6.9	%		2.2	%		-11.7	%		-11.1	%		-7.3	%

Operating ROE
Net operating income (loss) for the period ended⁽³⁾	$	123		$	103		$	(82	)	$	64		$	119
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)⁽⁴⁾	$	9,958		$	9,842		$	9,958		$	10,241		$	10,507
Annualized Operating Quarterly Basis ROE^(3)/(4)		4.9	%		4.2	%		-3.3	%		2.5	%		4.5	%

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

SECOND QUARTER 2016

Reconciliation of Core Yield


		2016									2015
	(Assets—amounts in billions)	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	77.6		$	76.0		$	77.6		$	75.1		$	75.6		$	75.3		$	77.9		$	75.1
	Subtract:
	Securities lending		0.3			0.4			0.3			0.3			0.4			0.3			0.3			0.3
	Unrealized gains (losses)		7.6			6.3			7.6			4.2			5.4			4.9			7.8			4.2

	Adjusted end of period invested assets and cash	$	69.7		$	69.3		$	69.7		$	70.6		$	69.8		$	70.1		$	69.8		$	70.6

(A)	Average Invested Assets and Cash Used in Reported Yield Calculation	$	69.5		$	70.0		$	69.8		$	70.2		$	70.0		$	70.0		$	69.7		$	70.0
	Subtract:
	Restricted commercial mortgage loans and other invested assets related to securitization entities⁽¹⁾		0.1			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	$	69.4		$	69.8		$	69.6		$	70.0		$	69.8		$	69.8		$	69.5		$	69.8


	(Income—amounts in millions)

(C)	Reported—Net Investment Income	$	779		$	789		$	1,568		$	781		$	783		$	793		$	781		$	3,138
	Subtract:
	Bond calls and commercial mortgage loan prepayments		5			11			16			18			12			17			14			61
	Other non-core items⁽²⁾		(6	)		15			9			(2	)		1			(4	)		7			2
	Restricted commercial mortgage loans and other invested assets related to securitization entities⁽¹⁾		2			3			5			3			2			2			3			10

(D)	Core Net Investment Income	$	778		$	760		$	1,538		$	762		$	768		$	778		$	757		$	3,065


(C) / (A)	Reported Yield		4.48	%		4.51	%		4.49	%		4.45	%		4.47	%		4.53	%		4.48	%		4.48	%
(D) / (B)	Core Yield		4.48	%		4.36	%		4.42	%		4.35	%		4.40	%		4.46	%		4.36	%		4.39	%

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

Corporate Information

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2016

Financial Strength Ratings As Of August 1, 2016


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 Mortgage Insurance Corporation	BB+	Ba1	Not rated
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 Life Insurance Company	BB	Ba1	B++
Genworth Life and Annuity Insurance Company	BB	Baa2	B++
Genworth Life Insurance Company of New York	BB	Ba1	B++

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) or “BB” (Marginal) have strong or marginal financial security characteristics, respectively. The “A” and “BB” ranges are the third- 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+,” “BB+” and “BB” ratings are the fifth-, eleventh- and twelfth-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,” “Baa2” and “Ba1” ratings are the seventh-, ninth- and eleventh-highest, respectively, of Moody’s 21 ratings categories.

A.M. Best states that the “B++” (Good) rating is assigned to those companies that have, in its opinion, a good ability to meet their ongoing insurance obligations. The “B++” (Good) rating is the fifth-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.

The company also solicits a rating from HR Ratings on a local scale for Genworth Seguros de Credito a la Vivienda S.A. de C.V., its Mexican mortgage insurance subsidiary, with a short-term rating of “HR1” and long-term rating of “HR AA.” For short-term ratings, HR Ratings states that “HR1” rated companies are viewed as exhibiting high capacity for timely payment of debt obligations in the short-term and maintain low credit risk. The “HR1” short-term rating category is the highest of six short-term rating categories, which range from “HR1” to “HR D.” For long-term ratings, HR Ratings states that “HR AA” rated companies are viewed as having high credit quality and offer high safety for timely payment of debt obligations and maintain low credit risk under adverse economic scenarios. The “HR AA” long-term rating is the second-highest of HR Rating’s eight long-term rating categories, which range from “HR AAA” to “HR D.”

S&P, Moody’s, A.M. Best, DBRS, Fitch and HR Ratings 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.