Exhibit 99.2

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Table of Contents	Page
Investor Letter		3
Use of Non-GAAP Measures and Selected Operating Performance Measures		4
Financial Highlights		5
Fourth Quarter Results
Net Income (Loss)		7
Net Operating Income (Loss) by Segment		8
Consolidated Net Income (Loss) by Quarter		9
Net Operating Income (Loss) by Segment by Quarter		10
Consolidated Balance Sheets		11-12
Consolidated Balance Sheets by Segment		13-14
Deferred Acquisition Costs Rollforward		15
Quarterly Results by Segment
Net Operating Income (Loss) by Segment		17-20
Net Operating Income and Sales—Retirement and Protection		22-31
Net Operating Income and Sales—International		33-43
Net Operating Loss and Sales—U.S. Mortgage Insurance		45-54
Net Operating Income (Loss)—Corporate and Other		56
Additional Financial Data
Investments Summary		58
Fixed Maturity Securities Summary		59
Additional Information on Mortgage-backed and Asset-backed Securities by Vintage		60
Commercial Mortgage Loans Summary		61-62
General Account GAAP Net Investment Income Yields		63
Net Investment Gains (Losses), Net of Taxes and Other Adjustments—Detail		64
Reconciliations of Non-GAAP Measures
Reconciliation of Operating Return On Equity (ROE)		66
Reconciliation of Expense Ratio		67
Reconciliation of Core Premiums		68
Reconciliation of Core Yield		69
Corporate Information
Industry Ratings		71-72

Note:

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

2

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Dear Investor,

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

Please feel free to call with any questions or comments.

Regards,

Alicia Charity

Senior Vice President

Investor Relations

804 662.2248

3

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Use of Non-GAAP Measures

This financial supplement includes the non-GAAP⁽¹⁾ financial measure entitled “net operating income (loss).” The chief operating decision maker evaluates segment performance and allocates resources on the basis of net operating income (loss). The company defines net operating income (loss) as income (loss) from continuing operations excluding net income attributable to noncontrolling interests, after-tax net investment gains (losses) and other adjustments and infrequent or unusual non-operating items. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A significant component of net investment gains (losses) is the result of impairments, 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) are often subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Infrequent or unusual non-operating items are also excluded from net operating income (loss) if, in the company's opinion, they are not indicative of overall 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), are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. However, net operating income (loss) is not a substitute for net income (loss) available to Genworth Financial, Inc.'s common stockholders determined in accordance with GAAP. In addition, the company’s definition of net operating income (loss) may differ from the definitions used by other companies. There were no infrequent or unusual non-operating items excluded from net operating income (loss) available to Genworth Financial, Inc.’s common stockholders during the periods other than a $106 million tax benefit related to separation from the company’s former parent recorded in the first quarter of 2010. The table on page 8 of this financial supplement reflects net operating income (loss) as determined in accordance with accounting guidance related to segment reporting, and a reconciliation of net operating income (loss) of the company's segments and Corporate and Other activities to net income (loss) available to Genworth Financial, Inc.’s common stockholders for the three and twelve months ended December 31, 2010 and 2009. The financial supplement includes other non-GAAP measures management believes enhances the understanding and comparability of performance by highlighting underlying business activity and profitability drivers. These additional non-GAAP measures are on pages 66 through 69 of this financial supplement.

Selected Operating Performance Measures

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

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

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

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

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

⁽¹⁾ U.S. Generally Accepted Accounting Principles

4

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Financial Highlights

(amounts in millions, except per share data)

Balance Sheet Data	December 31, 2010		September 30, 2010		June 30, 2010		March 31, 2010		December 31, 2009
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)	$	12,369	$	12,518	$	12,600	$	12,544	$	12,440
Total accumulated other comprehensive income (loss)		1,492		2,484		1,331		347		(164	)
Total Genworth Financial, Inc.’s stockholders’ equity	$	13,861	$	15,002	$	13,931	$	12,891	$	12,276
Book value per common share	$	28.31	$	30.64	$	28.48	$	26.36	$	25.12
Book value per common share, excluding accumulated other comprehensive income (loss)	$	25.26	$	25.57	$	25.76	$	25.65	$	25.46
Common shares outstanding as of the balance sheet date		489.7		489.6		489.2		489.1		488.6
	Twelve months ended
Twelve Month Rolling Average ROE	December 31, 2010		September 30, 2010		June 30, 2010		March 31, 2010		December 31, 2009
GAAP Basis ROE		1.1%		2.7%		2.3%		1.5%		-3.8%
Operating ROE(1)		1.0%		2.8%		3.3%		2.5%		1.6%
	Three months ended
Quarterly Average ROE	December 31, 2010		September 30, 2010		June 30, 2010		March 31, 2010		December 31, 2009
GAAP Basis ROE		-5.2%		2.6%		1.3%		5.7%		1.3%
Operating ROE(1)		-4.3%		0.9%		3.8%		3.7%		3.0%

Basic and Diluted Shares	Three months ended December 31, 2010		Twelve months ended December 31, 2010
Weighted-average shares used in basic earnings per common share calculations		489.6		489.3
Potentially dilutive securities:
Stock options, restricted stock units and stock appreciation rights		—		3.5
Weighted-average shares used in diluted earnings per common share calculations(2)		489.6		492.8

⁽¹⁾ See page 66 herein for a reconciliation of GAAP Basis ROE to Operating ROE.

⁽²⁾ Under SFAS No. 128, Earnings per Share, 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 our net loss for the three months ended December 31, 2010, the inclusion of 4.4 million of shares for stock options, restricted stock units and stock appreciation rights would have been antidilutive to the calculation. If we had not incurred a net loss for the three months ended December 31, 2010, dilutive potential common shares would have been 494.0 million and 493.9 million, respectively, for the three and twelve months ended December 31, 2010.

5

Fourth Quarter Results

6

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Income (Loss)

(amounts in millions)

	Three months ended December 31,						Twelve months ended December 31,
	2010			2009			2010			2009
REVENUES:
Premiums	$	1,467		$	1,523		$	5,854		$	6,019
Net investment income		863			782			3,266			3,033
Net investment gains (losses)		(39	)		(96	)		(143	)		(1,041	)
Insurance and investment product fees and other		300			252			1,112			1,058
Total revenues		2,591			2,461			10,089			9,069
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,837			1,368			5,994			5,818
Interest credited		205			221			841			984
Acquisition and operating expenses, net of deferrals		519			503			1,965			1,884
Amortization of deferred acquisition costs and intangibles		166			180			756			782
Interest expense		119			87			457			393
Total benefits and expenses		2,846			2,359			10,013			9,861
INCOME (LOSS) BEFORE INCOME TAXES		(255	)		102			76			(792	)
Provision (benefit) for income taxes		(129	)		27			(209	)		(393	)
Effective tax rate		50.6	%		26.5	%		-275.0	%		49.6	%
NET INCOME (LOSS)		(126	)		75			285			(399	)
Less: net income attributable to noncontrolling interests		35			35			143			61
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	(161	)	$	40		$	142		$	(460	)

7

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment

(amounts in millions, except per share amounts)

		Three months ended December 31,						Twelve months ended December 31,
		2010			2009			2010			2009
Retirement and Protection:
Wealth Management		$	11		$	7		$	40		$	28
Retirement Income			42			30			127			8
Life Insurance			42			43			144			217
Long-Term Care			43			49			174			171
Total Retirement and Protection			138			129			485			424
International:
International Mortgage Insurance	—Canada(1)		46			37			176			206
	—Australia		55			45			205			148
	—Other		(3	)		(4	)		(18	)		(25	)
Lifestyle Protection Insurance			19			23			71			56
Total International			117			101			434			385
U.S. Mortgage Insurance			(352	)		(74	)		(580	)		(459	)
Corporate and Other			(38	)		(62	)		(213	)		(152	)
NET OPERATING INCOME (LOSS)			(135	)		94			126			198
ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net of taxes and other adjustments(2)			(26	)		(54	)		(90	)		(658	)
Net tax benefit related to separation from the company’s former parent			—			—			106			—
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS			(161	)		40			142			(460	)
Add: net income attributable to noncontrolling interests			35			35			143			61
NET INCOME (LOSS)		$	(126	)	$	75		$	285		$	(399	)
Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic		$	(0.33	)	$	0.08		$	0.29		$	(1.02	)
Diluted		$	(0.33	)	$	0.08		$	0.29		$	(1.02	)
Net operating income (loss) per common share
Basic		$	(0.28	)	$	0.19		$	0.26		$	0.44
Diluted		$	(0.28	)	$	0.19		$	0.26		$	0.44
Weighted-average shares outstanding
Basic			489.6			488.6			489.3			451.1
Diluted			489.6			492.2			492.8			451.1

⁽¹⁾ Adjusted for 42.5% owned by noncontrolling interests beginning in the third quarter of 2009 following the initial public offering of the Canadian mortgage insurance business. The following table shows Canada net operating income assuming 100% ownership and then adjusts for the portion related to noncontrolling interests.

	Three months ended December 31,				Twelve months ended December 31,
	2010		2009		2010		2009
Canada’s net operating income	$	81	$	71	$	317	$	265
Less: net operating income attributable to noncontrolling interests		35		34		141		59
Canada’s net operating income available to Genworth’s common stockholders	$	46	$	37	$	176	$	206

⁽²⁾ See page 64 for details on net investment gains (losses), net of taxes and other adjustments.

8

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)

	2010														2009
	4Q			3Q		2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1,467		$	1,447	$	1,470		$	1,470		$	5,854		$	1,523		$	1,492		$	1,502		$	1,502		$	6,019
Net investment income		863			815		823			765			3,266			782			759			781			711			3,033
Net investment gains (losses)		(39	)		105		(139	)		(70	)		(143	)		(96	)		(122	)		(53	)		(770	)		(1,041	)
Insurance and investment product fees and other		300			300		256			256			1,112			252			262			253			291			1,058
Total revenues		2,591			2,667		2,410			2,421			10,089			2,461			2,391			2,483			1,734			9,069
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,837			1,502		1,340			1,315			5,994			1,368			1,450			1,492			1,508			5,818
Interest credited		205			212		211			213			841			221			225			263			275			984
Acquisition and operating expenses, net of deferrals		519			472		499			475			1,965			503			484			456			441			1,884
Amortization of deferred acquisition costs and intangibles		166			227		179			184			756			180			143			212			247			782
Interest expense		119			114		109			115			457			87			96			114			96			393
Total benefits and expenses		2,846			2,527		2,338			2,302			10,013			2,359			2,398			2,537			2,567			9,861
INCOME (LOSS) BEFORE INCOME TAXES		(255	)		140		72			119			76			102			(7	)		(54	)		(833	)		(792	)
Provision (benefit) for income taxes		(129	)		18		(5	)		(93	)		(209	)		27			(52	)		(4	)		(364	)		(393	)
NET INCOME (LOSS)		(126	)		122		77			212			285			75			45			(50	)		(469	)		(399	)
Less: net income attributable to noncontrolling interests		35			39		35			34			143			35			26			—			—			61
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	(161	)	$	83	$	42		$	178		$	142		$	40		$	19		$	(50	)	$	(469	)	$	(460	)
Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic	$	(0.33	)	$	0.17	$	0.09		$	0.36		$	0.29		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)
Diluted	$	(0.33	)	$	0.17	$	0.08		$	0.36		$	0.29		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)
Weighted-average shares outstanding
Basic		489.6			489.5		489.1			488.8			489.3			488.6			448.9			433.2			433.2			451.1
Diluted		489.6			493.9		494.2			493.5			492.8			492.2			451.6			433.2			433.2			451.1

9

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment by Quarter

(amounts in millions, except per share amounts)

		2010															2009
		4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Retirement and Protection:
Wealth Management		$	11		$	8		$	10		$	11		$	40		$	7		$	8		$	7		$	6		$	28
Retirement Income			42			26			25			34			127			30			9			16			(47	)		8
Life Insurance			42			33			32			37			144			43			78			58			38			217
Long-Term Care			43			44			47			40			174			49			39			42			41			171
Total Retirement and Protection			138			111			114			122			485			129			134			123			38			424
International:
International Mortgage Insurance	—Canada		46			44			45			41			176			37			45			58			66			206
	—Australia		55			48			59			43			205			45			42			32			29			148
	—Other		(3	)		1			(11	)		(5	)		(18	)		(4	)		(9	)		(7	)		(5	)		(25	)
Lifestyle Protection Insurance			19			28			12			12			71			23			18			4			11			56
Total International			117			121			105			91			434			101			96			87			101			385
U.S. Mortgage Insurance			(352	)		(152	)		(40	)		(36	)		(580	)		(74	)		(116	)		(134	)		(135	)		(459	)
Corporate and Other			(38	)		(51	)		(61	)		(63	)		(213	)		(62	)		(33	)		(67	)		10			(152	)
NET OPERATING INCOME (LOSS)			(135	)		29			118			114			126			94			81			9			14			198
ADJUSTMENTS TO NET OPERATING INCOME (LOSS):
Net investment gains (losses), net of taxes and other adjustments			(26	)		54			(76	)		(42	)		(90	)		(54	)		(62	)		(59	)		(483	)		(658	)
Net tax benefit related to separation from the company’s former parent			—			—			—			106			106			—			—			—			—			—
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS			(161	)		83			42			178			142			40			19			(50	)		(469	)		(460	)
Add: net income attributable to noncontrolling interests			35			39			35			34			143			35			26			—			—			61
NET INCOME (LOSS)		$	(126	)	$	122		$	77		$	212		$	285		$	75		$	45		$	(50	)	$	(469	)	$	(399	)
Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per common share
Basic		$	(0.33	)	$	0.17		$	0.09		$	0.36		$	0.29		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)
Diluted		$	(0.33	)	$	0.17		$	0.08		$	0.36		$	0.29		$	0.08		$	0.04		$	(0.11	)	$	(1.08	)	$	(1.02	)
Net operating income (loss) per common share
Basic		$	(0.28	)	$	0.06		$	0.24		$	0.23		$	0.26		$	0.19		$	0.18		$	0.02		$	0.03		$	0.44
Diluted		$	(0.28	)	$	0.06		$	0.24		$	0.23		$	0.26		$	0.19		$	0.18		$	0.02		$	0.03		$	0.44
Weighted-average shares outstanding
Basic			489.6			489.5			489.1			488.8			489.3			488.6			448.9			433.2			433.2			451.1
Diluted			489.6			493.9			494.2			493.5			492.8			492.2			451.6			433.2			433.2			451.1

10

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Consolidated Balance Sheets

(amounts in millions)

	December 31, 2010		September 30, 2010		June 30, 2010		March 31, 2010		December 31, 2009
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	55,183	$	56,356	$	53,386	$	52,040	$	49,752
Equity securities available-for-sale, at fair value		332		223		199		179		159
Commercial mortgage loans		6,718		6,929		7,208		7,336		7,499
Restricted commercial mortgage loans related to securitization entities(1)		507		522		535		552		—
Policy loans		1,471		1,480		1,467		1,408		1,403
Other invested assets		3,854		5,320		4,042		3,972		4,702
Restricted other invested assets related to securitization entities(1)		372		378		374		385		—
Total investments		68,437		71,208		67,211		65,872		63,515
Cash and cash equivalents		3,132		3,598		4,586		3,466		5,002
Accrued investment income		733		760		696		775		691
Deferred acquisition costs		7,256		7,055		7,170		7,252		7,341
Intangible assets		741		647		789		863		934
Goodwill		1,329		1,321		1,313		1,319		1,324
Reinsurance recoverable		17,191		17,223		17,279		17,333		17,332
Other assets		810		958		1,024		934		954
Deferred tax asset		1,100		867		—		18		92
Separate account assets		11,666		11,063		10,284		11,261		11,002
Total assets	$	112,395	$	114,700	$	110,352	$	109,093	$	108,187

⁽¹⁾ In the first quarter of 2010, the company began reporting restricted assets related to securitization entities required to be consolidated under a new accounting standard effective January 1, 2010.

11

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Consolidated Balance Sheets

(amounts in millions)

	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	30,717		$	30,758		$	29,929		$	29,686		$	29,469
Policyholder account balances		26,978			27,714			28,338			28,107			28,470
Liability for policy and contract claims		6,933			6,448			6,302			6,389			6,567
Unearned premiums		4,541			4,492			4,238			4,571			4,714
Other liabilities		6,085			6,949			6,287			6,185			6,298
Borrowings related to securitization entities(1)		494			502			525			551			—
Non-recourse funding obligations		3,437			3,437			3,437			3,437			3,443
Short-term borrowings		—			730			730			930			930
Long-term borrowings		4,952			4,373			4,331			3,638			3,641
Deferred tax liability		1,621			2,163			904			313			303
Separate account liabilities		11,666			11,063			10,284			11,261			11,002
Total liabilities		97,424			98,629			95,305			95,068			94,837
Stockholders’ equity:
Common stock		1			1			1			1			1
Additional paid-in capital		12,095			12,084			12,078			12,064			12,034
Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		21			730			208			(652	)		(1,151	)
Net unrealized gains (losses) on other-than-temporarily impaired securities		(121	)		(143	)		(179	)		(208	)		(247	)
Net unrealized investment gains (losses)		(100	)		587			29			(860	)		(1,398	)
Derivatives qualifying as hedges		924			1,354			1,162			777			802
Foreign currency translation and other adjustments		668			543			140			430			432
Total accumulated other comprehensive income (loss)		1,492			2,484			1,331			347			(164	)
Retained earnings		2,973			3,133			3,221			3,179			3,105
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)
Total Genworth Financial, Inc.’s stockholders’ equity		13,861			15,002			13,931			12,891			12,276
Noncontrolling interests		1,110			1,069			1,116			1,134			1,074
Total stockholders’ equity		14,971			16,071			15,047			14,025			13,350
Total liabilities and stockholders’ equity	$	112,395		$	114,700		$	110,352		$	109,093		$	108,187

⁽¹⁾ In the first quarter of 2010, the company began reporting borrowings related to securitization entities required to be consolidated under a new accounting standard effective January 1, 2010.

12

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Consolidated Balance Sheet by Segment

(amounts in millions)

	December 31, 2010
	Retirement and Protection		International		U.S. Mortgage Insurance			Corporate and Other(1)			Total
ASSETS
Cash and investments	$	49,145	$	11,329	$	2,639		$	9,189		$	72,302
Deferred acquisition costs and intangible assets		8,447		787		47			45			9,326
Reinsurance recoverable		16,664		63		463			1			17,191
Deferred tax and other assets		430		243		726			511			1,910
Separate account assets		11,666		—		—			—			11,666
Total assets	$	86,352	$	12,422	$	3,875		$	9,746		$	112,395
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	30,717	$	—	$	—		$	—		$	30,717
Policyholder account balances		22,197		18		—			4,763			26,978
Liability for policy and contract claims		3,955		695		2,282			1			6,933
Unearned premiums		582		3,854		105			—			4,541
Non-recourse funding obligations		3,537		—		—			(100	)		3,437
Deferred tax and other liabilities		3,796		1,377		222			2,311			7,706
Borrowings and capital securities		—		428		—			5,018			5,446
Separate account liabilities		11,666		—		—			—			11,666
Total liabilities		76,450		6,372		2,609			11,993			97,424
Stockholders’equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		8,725		4,183		1,323			(1,862	)		12,369
Allocated accumulated other comprehensive income (loss)		1,177		757		(57	)		(385	)		1,492
Total Genworth Financial, Inc.’s stockholders' equity		9,902		4,940		1,266			(2,247	)		13,861
Noncontrolling interests		—		1,110		—			—			1,110
Total stockholders’ equity		9,902		6,050		1,266			(2,247	)		14,971
Total liabilities and stockholders’ equity	$	86,352	$	12,422	$	3,875		$	9,746		$	112,395

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

13

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Consolidated Balance Sheet by Segment

(amounts in millions)

	September 30, 2010
	Retirement and Protection		International		U.S. Mortgage Insurance		Corporate and Other(1)			Total
ASSETS
Cash and investments	$	51,151	$	10,943	$	2,749	$	10,723		$	75,566
Deferred acquisition costs and intangible assets		8,125		805		46		47			9,023
Reinsurance recoverable		16,572		54		597		—			17,223
Deferred tax and other assets		446		386		491		502			1,825
Separate account assets		11,063		—		—		—			11,063
Total assets	$	87,357	$	12,188	$	3,883	$	11,272		$	114,700
LIABILITIES AND STOCKHOLDERS’ EQUITY
Liabilities:
Future policy benefits	$	30,758	$	—	$	—	$	—		$	30,758
Policyholder account balances		22,572		19		—		5,123			27,714
Liability for policy and contract claims		3,744		723		1,973		8			6,448
Unearned premiums		558		3,829		105		—			4,492
Non-recourse funding obligations		3,537		—		—		(100	)		3,437
Deferred tax and other liabilities		4,425		1,392		149		3,146			9,112
Borrowings and capital securities		—		268		—		5,337			5,605
Separate account liabilities		11,063		—		—		—			11,063
Total liabilities		76,657		6,231		2,227		13,514			98,629
Stockholders’ equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		8,510		4,182		1,619		(1,793	)		12,518
Allocated accumulated other comprehensive income (loss)		2,190		706		37		(449	)		2,484
Total Genworth Financial, Inc.’s stockholders' equity		10,700		4,888		1,656		(2,242	)		15,002
Noncontrolling interests		—		1,069		—		—			1,069
Total stockholders’ equity		10,700		5,957		1,656		(2,242	)		16,071
Total liabilities and stockholders’ equity	$	87,357	$	12,188	$	3,883	$	11,272		$	114,700

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

14

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Deferred Acquisition Costs Rollforward

(amounts in millions)

	Retirement and Protection			International			U.S. Mortgage Insurance			Corporate and Other		Total
Unamortized balance as of September 30, 2010	$	6,684		$	638		$	31		$	3	$	7,356
Costs deferred		179			43			7			—		229
Amortization, net of interest accretion(1)		(72	)		(63	)		(4	)		—		(139	)
Impact of foreign currency translation		—			4			—			—		4
Unamortized balance as of December 31, 2010		6,791			622			34			3		7,450
Effect of accumulated net unrealized investment (gains) losses		(194	)		—			—			—		(194	)
Balance as of December 31, 2010	$	6,597		$	622		$	34		$	3	$	7,256

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

15

Quarterly Results by Segment

16

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment

(amounts in millions)

	Retirement and Protection															International
Three months ended December 31, 2010	Wealth Management			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other(1)			Total
REVENUES:
Premiums	$	—		$	45		$	217		$	573		$	835		$	154		$	92		$	16		$	219		$	481		$	151		$	—		$	1,467
Net investment income		—			278			131			242			651			48			41			3			37			129			27			56			863
Net investment gains (losses)		—			(20	)		(15	)		(22	)		(57	)		1			2			—			(1	)		2			17			(1	)		(39	)
Insurance and investment product fees and other		93			56			124			17			290			—			—			1			4			5			2			3			300
Total revenues		93			359			457			810			1,719			203			135			20			259			617			197			58			2,591
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			139			246			635			1,020			49			33			13			34			129			688			—			1,837
Interest credited		—			109			60			2			171			—			—			—			—			—			—			34			205
Acquisition and operating expenses, net of deferrals		76			39			40			114			269			27			19			9			143			198			36			16			519
Amortization of deferred acquisition costs and intangibles		1			36			38			13			88			12			10			2			45			69			6			3			166
Interest expense		—			—			26			1			27			4			—			—			11			15			—			77			119
Total benefits and expenses		77			323			410			765			1,575			92			62			24			233			411			730			130			2,846
INCOME (LOSS) BEFORE INCOME TAXES		16			36			47			45			144			111			73			(4	)		26			206			(533	)		(72	)		(255	)
Provision (benefit) for income taxes		5			6			15			15			41			30			16			(1	)		8			53			(191	)		(32	)		(129	)
NET INCOME (LOSS)		11			30			32			30			103			81			57			(3	)		18			153			(342	)		(40	)		(126	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			35			—			—			—			35			—			—			35
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		11			30			32			30			103			46			57			(3	)		18			118			(342	)		(40	)		(161	)
ADJUSTMENTS TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			12			10			13			35			—			(2	)		—			1			(1	)		(10	)		2			26
Net tax benefit related to separation from the company’s former parent		—			—			—			—			—			—			—			—			—			—			—			—			—
NET OPERATING INCOME (LOSS)	$	11		$	42		$	42		$	43		$	138		$	46		$	55		$	(3	)	$	19		$	117		$	(352	)	$	(38	)	$	(135	)
Effective tax rate (operating income (loss))(2)		30.3	%		24.7	%		32.2	%		35.3	%		31.0	%		24.3	%		21.0	%		35.5	%		31.1	%		23.7	%		35.9	%		44.0	%		48.9	%

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

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

17

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment

(amounts in millions)

	Retirement and Protection															International
Three months ended December 31, 2009	Wealth Management			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total			U.S. Mortgage Insurance			Corporate and Other(1)			Total
REVENUES:
Premiums	$	—		$	39		$	228		$	569		$	836		$	146		$	93		$	14		$	288		$	541		$	146		$	—		$	1,523
Net investment income		—			276			105			216			597			45			36			3			36			120			32			33			782
Net investment gains (losses)		—			(22	)		(45	)		(38	)		(105	)		3			—			—			—			3			27			(21	)		(96	)
Insurance and investment product fees and other		77			53			95			(1	)		224			—			1			1			2			4			2			22			252
Total revenues		77			346			383			746			1,552			194			130			18			326			668			207			34			2,461
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			133			206			568			907			57			42			14			76			189			272			—			1,368
Interest credited		—			117			62			2			181			—			—			—			—			—			—			40			221
Acquisition and operating expenses, net of deferrals		64			40			37			100			241			23			16			10			163			212			33			17			503
Amortization of deferred acquisition costs and intangibles		1			28			29			35			93			10			8			3			56			77			6			4			180
Interest expense		—			—			23			1			24			—			—			—			4			4			—			59			87
Total benefits and expenses		65			318			357			706			1,446			90			66			27			299			482			311			120			2,359
INCOME (LOSS) BEFORE INCOME TAXES		12			28			26			40			106			104			64			(9	)		27			186			(104	)		(86	)		102
Provision (benefit) for income taxes		5			8			6			15			34			31			19			(5	)		4			49			(48	)		(8	)		27
NET INCOME (LOSS)		7			20			20			25			72			73			45			(4	)		23			137			(56	)		(78	)		75
Less: net income attributable to noncontrolling interests		—			—			—			—			—			35			—			—			—			35			—			—			35
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.'S COMMON STOCKHOLDERS		7			20			20			25			72			38			45			(4	)		23			102			(56	)		(78	)		40
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			10			23			24			57			(1	)		—			—			—			(1	)		(18	)		16			54
NET OPERATING INCOME (LOSS)	$	7		$	30		$	43		$	49		$	129		$	37		$	45		$	(4	)	$	23		$	101		$	(74	)	$	(62	)	$	94
Effective tax rate (operating income (loss))		40.1	%		31.7	%		30.3	%		38.0	%		34.3	%		32.5	%		28.8	%		46.7	%		17.3	%		27.0	%		43.8	%		2.8	%		32.6	%

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

18

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment

(amounts in millions)

	Retirement and Protection															International															U.S. Mortgage Insurance			Corporate and Other (1)
Twelve months ended December 31, 2010	Wealth Management			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total									Total
REVENUES:
Premiums	$	—		$	155		$	904		$	2,267		$	3,326		$	600		$	337		$	57		$	939		$	1,933		$	595		$	—		$	5,854
Net investment income		—			1,111			478			916			2,505			188			154			13			154			509			116			136			3,266
Net investment gains (losses)		—			(54	)		(61	)		(21	)		(136	)		9			3			3			5			20			33			(60	)		(143	)
Insurance and investment product fees and other		352			215			457			46			1,070			(1	)		2			7			14			22			10			10			1,112
Total revenues		352			1,427			1,778			3,208			6,765			796			496			80			1,112			2,484			754			86			10,089
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			563			953			2,400			3,916			200			135			55			196			586			1,491			1			5,994
Interest credited		—			447			243			5			695			—			—			—			—			—			—			146			841
Acquisition and operating expenses, net of deferrals		287			145			155			418			1,005			96			66			43			593			798			131			31			1,965
Amortization of deferred acquisition costs and intangibles		4			140			178			134			456			48			37			5			177			267			19			14			756
Interest expense		—			—			102			2			104			8			—			—			51			59			—			294			457
Total benefits and expenses		291			1,295			1,631			2,959			6,176			352			238			103			1,017			1,710			1,641			486			10,013
INCOME (LOSS) BEFORE INCOME TAXES		61			132			147			249			589			444			258			(23	)		95			774			(887	)		(400	)		76
Provision (benefit) for income taxes		21			32			45			88			186			122			51			(7	)		21			187			(328	)		(254	)		(209	)
NET INCOME (LOSS)		40			100			102			161			403			322			207			(16	)		74			587			(559	)		(146	)		285
Less: net income attributable to noncontrolling interests		—			—			—			—			—			143			—			—			—			143			—			—			143
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		40			100			102			161			403			179			207			(16	)		74			444			(559	)		(146	)		142
ADJUSTMENTS TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			27			42			13			82			(3	)		(2	)		(2	)		(3	)		(10	)		(21	)		39			90
Net tax benefit related to separation from the company's former parent		—			—			—			—			—			—			—			—			—			—			—			(106	)		(106	)
NET OPERATING INCOME (LOSS)	$	40		$	127		$	144		$	174		$	485		$	176		$	205		$	(18	)	$	71		$	434		$	(580	)	$	(213	)	$	126
Effective tax rate (operating income (loss))		34.4	%		27.0	%		31.9	%		35.5	%		32.3	%		26.6	%		19.5	%		31.5	%		21.7	%		22.4	%		36.9	%		37.2	%		-678.8	%

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

19

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss) by Segment

(amounts in millions)

	Retirement and Protection															International															U.S. Mortgage Insurance			Corporate and Other (1)
Twelve months ended December 31, 2009	Wealth Management			Retirement Income			Life Insurance			Long-Term Care			Total			Mortgage Insurance— Canada			Mortgage Insurance— Australia			Other Mortgage Insurance			Lifestyle Protection Insurance			Total									Total
REVENUES:
Premiums	$	—		$	154		$	953		$	2,206		$	3,313		$	545		$	313		$	69		$	1,141		$	2,068		$	636		$	2		$	6,019
Net investment income		—			1,030			427			799			2,256			171			125			17			157			470			134			173			3,033
Net investment gains (losses)		(1	)		(210	)		(290	)		(276	)		(777	)		12			2			(1	)		(17	)		(4	)		49			(309	)		(1,041	)
Insurance and investment product fees and other		279			186			395			15			875			1			2			3			20			26			7			150			1,058
Total revenues		278			1,160			1,485			2,744			5,667			729			442			88			1,301			2,560			826			16			9,069
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			546			846			2,225			3,617			228			157			79			343			807			1,392			2			5,818
Interest credited		—			487			247			3			737			—			—			—			—			—			—			247			984
Acquisition and operating expenses, net of deferrals		229			146			137			369			881			79			54			41			645			819			132			52			1,884
Amortization of deferred acquisition costs and intangibles		4			199			97			161			461			38			26			8			210			282			22			17			782
Interest expense		—			1			95			1			97			1			—			—			50			51			—			245			393
Total benefits and expenses		233			1,379			1,422			2,759			5,793			346			237			128			1,248			1,959			1,546			563			9,861
INCOME (LOSS) BEFORE INCOME TAXES		45			(219	)		63			(15	)		(126	)		383			205			(40	)		53			601			(720	)		(547	)		(792	)
Provision (benefit) for income taxes		17			(92	)		15			(6	)		(66	)		110			56			(14	)		8			160			(293	)		(194	)		(393	)
NET INCOME (LOSS)		28			(127	)		48			(9	)		(60	)		273			149			(26	)		45			441			(427	)		(353	)		(399	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			61			—			—			—			61			—			—			61
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		28			(127	)		48			(9	)		(60	)		212			149			(26	)		45			380			(427	)		(353	)		(460	)
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			135			169			180			484			(6	)		(1	)		1			11			5			(32	)		201			658
NET OPERATING INCOME (LOSS)	$	28		$	8		$	217		$	171		$	424		$	206		$	148		$	(25	)	$	56		$	385		$	(459	)	$	(152	)	$	198
Effective tax rate (operating income (loss))		38.1	%		179.8	%		32.8	%		34.8	%		31.7	%		28.2	%		27.1	%		34.3	%		20.4	%		26.3	%		40.3	%		36.4	%		-47.6	%

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

20

Retirement and Protection

21

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income—Retirement and Protection

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q		1Q			Total
REVENUES:
Premiums	$	835		$	845		$	822		$	824		$	3,326		$	836		$	813		$	829	$	835		$	3,313
Net investment income		651			630			630			594			2,505			597			576			564		519			2,256
Net investment gains (losses)		(57	)		57			(69	)		(67	)		(136	)		(105	)		(102	)		4		(574	)		(777	)
Insurance and investment product fees and other		290			278			260			242			1,070			224			234			210		207			875
Total revenues		1,719			1,810			1,643			1,593			6,765			1,552			1,521			1,607		987			5,667
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,020			990			961			945			3,916			907			902			895		913			3,617
Interest credited		171			174			176			174			695			181			186			184		186			737
Acquisition and operating expenses, net of deferrals		269			254			252			230			1,005			241			226			211		203			881
Amortization of deferred acquisition costs and intangibles		88			159			104			105			456			93			67			138		163			461
Interest expense		27			26			29			22			104			24			23			24		26			97
Total benefits and expenses		1,575			1,603			1,522			1,476			6,176			1,446			1,404			1,452		1,491			5,793
INCOME (LOSS) BEFORE INCOME TAXES		144			207			121			117			589			106			117			155		(504	)		(126	)
Provision (benefit) for income taxes		41			72			40			33			186			34			32			56		(188	)		(66	)
NET INCOME (LOSS)		103			135			81			84			403			72			85			99		(316	)		(60	)
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		35			(24	)		33			38			82			57			49			24		354			484
NET OPERATING INCOME	$	138		$	111		$	114		$	122		$	485		$	129		$	134		$	123	$	38		$	424
Effective tax rate (operating income)		31.0%			34.4%			33.4%			30.7%			32.3%			34.3%			30.5%			35.7%		4.4%			31.7%

22

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		—			—			—			—			—			—			—			—			—			—
Net investment gains (losses)		—			—			—			—			—			—			(1	)		1			(1	)		(1	)
Insurance and investment product fees and other		93			89			89			81			352			77			72			66			64			279
Total revenues		93			89			89			81			352			77			71			67			63			278
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			—			—			—			—			—			—			—			—			—
Interest credited		—			—			—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		76			73			72			66			287			64			58			55			52			229
Amortization of deferred acquisition costs and intangibles		1			1			1			1			4			1			1			1			1			4
Interest expense		—			—			—			—			—			—			—			—			—			—
Total benefits and expenses		77			74			73			67			291			65			59			56			53			233
INCOME BEFORE INCOME TAXES		16			15			16			14			61			12			12			11			10			45
Provision for income taxes		5			7			6			3			21			5			4			4			4			17
NET INCOME		11			8			10			11			40			7			8			7			6			28
ADJUSTMENT TO NET INCOME:
Net investment (gains) losses, net of taxes and other adjustments		—			—			—			—			—			—			—			—			—			—
NET OPERATING INCOME	$	11		$	8		$	10		$	11		$	40		$	7		$	8		$	7		$	6		$	28
Effective tax rate (operating income)		30.3	%		47.1	%		36.0	%		23.7	%		34.4	%		40.1	%		36.8	%		38.7	%		37.0	%		38.1	%
SALES:
Sales by Distribution Channel:
Independent Producers	$	1,334		$	1,189		$	1,195		$	1,265		$	4,983		$	1,298		$	1,134		$	1,014		$	713		$	4,159
Dedicated Sales Specialists		248			165			167			210			790			199			238			99			83			619
Total Sales	$	1,582		$	1,354		$	1,362		$	1,475		$	5,773		$	1,497		$	1,372		$	1,113		$	796		$	4,778
ASSETS UNDER MANAGEMENT:
Beginning of period	$	21,160		$	19,548		$	20,037		$	18,865		$	18,865		$	17,992		$	15,909		$	14,210		$	15,447		$	15,447
Gross flows		1,582			1,354			1,362			1,475			5,773			1,497			1,372			1,113			796			4,778
Redemptions		(936	)		(893	)		(926	)		(971	)		(3,726	)		(892	)		(904	)		(953	)		(1,274	)		(4,023	)
Net flows		646			461			436			504			2,047			605			468			160			(478	)		755
Market performance		745			1,151			(925	)		668			1,639			268			1,615			1,539			(759	)		2,663
Acquisition(1)		2,189			—			—			—			2,189			—			—			—			—			—
End of period	$	24,740		$	21,160		$	19,548		$	20,037		$	24,740		$	18,865		$	17,992		$	15,909		$	14,210		$	18,865

Wealth Management results represent Genworth Financial Wealth Management, Inc., Genworth Financial Investment Services, Inc., Genworth Financial Trust Company, Centurion Financial Advisers, Inc. and Quantuvis Consulting, Inc.

⁽¹⁾ On December 31, 2010, we acquired the operating assets of Altegris Capital, LLC (“Altegris”). Altegris provides a platform of alternative investments including hedge funds and managed futures products. Assets under management at acquisition date were $2,189 million.

23

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss)—Retirement Income

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	45		$	42		$	32		$	36		$	155		$	39		$	30		$	38		$	47		$	154
Net investment income		278			276			281			276			1,111			276			260			258			236			1,030
Net investment gains (losses)		(20	)		75			(66	)		(43	)		(54	)		(22	)		(63	)		72			(197	)		(210	)
Insurance and investment product fees and other		56			54			53			52			215			53			47			42			44			186
Total revenues		359			447			300			321			1,427			346			274			410			130			1,160
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		139			149			139			136			563			133			128			129			156			546
Interest credited		109			111			114			113			447			117			122			124			124			487
Acquisition and operating expenses, net of deferrals		39			35			36			35			145			40			39			35			32			146
Amortization of deferred acquisition costs and intangibles		36			60			25			19			140			28			23			69			79			199
Interest expense		—			—			—			—			—			—			—			1			—			1
Total benefits and expenses		323			355			314			303			1,295			318			312			358			391			1,379
INCOME (LOSS) BEFORE INCOME TAXES		36			92			(14	)		18			132			28			(38	)		52			(261	)		(219	)
Provision (benefit) for income taxes		6			29			(7	)		4			32			8			(15	)		19			(104	)		(92	)
NET INCOME (LOSS)		30			63			(7	)		14			100			20			(23	)		33			(157	)		(127	)
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		12			(37	)		32			20			27			10			32			(17	)		110			135
NET OPERATING INCOME (LOSS)	$	42		$	26		$	25		$	34		$	127		$	30		$	9		$	16		$	(47	)	$	8
Effective tax rate (operating income (loss))		24.7	%		26.1	%		26.0	%		31.1	%		27.0	%		31.7	%		22.5	%		39.4	%		48.8	%		179.8	%

24

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	—
Net investment income		5			5			4			4			18			4			7			8			12			31
Net investment gains (losses)		(9	)		70			(19	)		(15	)		27			(4	)		8			91			(17	)		78
Insurance and investment product fees and other		55			52			51			50			208			50			46			39			40			175
Total revenues		51			127			36			39			253			50			61			138			35			284
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		6			10			12			9			37			2			3			4			22			31
Interest credited		2			2			3			2			9			2			3			3			3			11
Acquisition and operating expenses, net of deferrals		21			19			20			18			78			20			20			15			14			69
Amortization of deferred acquisition costs and intangibles		7			32			20			(2	)		57			8			7			49			76			140
Interest expense		—			—			—			—			—			—			—			—			—			—
Total benefits and expenses		36			63			55			27			181			32			33			71			115			251
INCOME (LOSS) BEFORE INCOME TAXES		15			64			(19	)		12			72			18			28			67			(80	)		33
Provision (benefit) for income taxes		(2	)		20			(9	)		1			10			2			13			25			(41	)		(1	)
NET INCOME (LOSS)		17			44			(10	)		11			62			16			15			42			(39	)		34
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		4			(34	)		10			6			(14	)		2			(4	)		(27	)		12			(17	)
NET OPERATING INCOME (LOSS)	$	21		$	10		$	—		$	17		$	48		$	18		$	11		$	15		$	(27	)	$	17
Effective tax rate (operating income (loss))		4.3	%		10.9	%		90.0	%		22.4	%		5.1	%		14.7	%		50.3	%		40.7	%		55.9	%		-140.4	%
SALES:
Sales by Product:
Income Distribution Series(1)	$	211		$	126		$	139		$	170		$	646		$	168		$	187		$	131		$	121		$	607
Traditional Variable Annuities(2)		43			25			30			35			133			36			30			23			22			111
Total Sales	$	254		$	151		$	169		$	205		$	779		$	204		$	217		$	154		$	143		$	718
Sales by Distribution Channel:
Financial Intermediaries	$	240		$	141		$	158		$	195		$	734		$	191		$	200		$	136		$	124		$	651
Independent Producers		4			3			5			5			17			7			7			8			6			28
Dedicated Sales Specialists		10			7			6			5			28			6			10			10			13			39
Total Sales	$	254		$	151		$	169		$	205		$	779		$	204		$	217		$	154		$	143		$	718

⁽¹⁾ The Income Distribution Series products are comprised of the deferred and immediate variable annuity products with rider options, that provide guaranteed income benefits including guaranteed minimum withdrawal benefits and certain types of guaranteed annuitization benefits. These products do not include fixed single premium immediate annuities or deferred annuities, which may also serve income distribution needs.

⁽²⁾ The traditional variable annuities include products that provide the potential for tax deferred growth on the policyholder's premium. These products do not provide the opportunity for a living benefit through guaranteed minimum withdrawal benefits; however, similar to the Income Distribution Series products, they do provide a variety of guaranteed minimum death benefit options.

25

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Operating Performance Measures—Retirement Income—Fee-Based

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Income Distribution Series
Account value, net of reinsurance, beginning of period	$	6,334		$	5,964		$	6,135		$	5,943		$	5,943		$	5,802		$	5,286		$	5,093		$	5,234		$	5,234
Deposits		214			131			141			173			659			172			190			133			125			620
Surrenders, benefits and product charges		(157	)		(131	)		(150	)		(127	)		(565	)		(125	)		(109	)		(109	)		(106	)		(449	)
Net flows		57			—			(9	)		46			94			47			81			24			19			171
Interest credited and investment performance		199			370			(162	)		146			553			94			435			169			(160	)		538
Account value, net of reinsurance, end of period		6,590			6,334			5,964			6,135			6,590			5,943			5,802			5,286			5,093			5,943
Traditional Variable Annuities
Account value, net of reinsurance, beginning of period		1,993			1,879			2,048			2,016			2,016			1,973			1,796			1,642			1,756			1,756
Deposits		36			20			25			27			108			30			25			16			19			90
Surrenders, benefits and product charges		(72	)		(68	)		(70	)		(65	)		(275	)		(58	)		(48	)		(60	)		(63	)		(229	)
Net flows		(36	)		(48	)		(45	)		(38	)		(167	)		(28	)		(23	)		(44	)		(44	)		(139	)
Interest credited and investment performance		121			162			(124	)		70			229			71			200			198			(70	)		399
Account value, net of reinsurance, end of period		2,078			1,993			1,879			2,048			2,078			2,016			1,973			1,796			1,642			2,016
Variable Life Insurance
Account value, beginning of the period		297			279			303			298			298			292			271			248			266			266
Deposits		3			3			3			3			12			3			3			3			4			13
Surrenders, benefits and product charges		(9	)		(10	)		(8	)		(10	)		(37	)		(8	)		(12	)		(9	)		(11	)		(40	)
Net flows		(6	)		(7	)		(5	)		(7	)		(25	)		(5	)		(9	)		(6	)		(7	)		(27	)
Interest credited and investment performance		22			25			(19	)		12			40			11			30			29			(11	)		59
Account value, end of period		313			297			279			303			313			298			292			271			248			298
Total Retirement Income—Fee-Based	$	8,981		$	8,624		$	8,122		$	8,486		$	8,981		$	8,257		$	8,067		$	7,353		$	6,983		$	8,257

26

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	45		$	42		$	32		$	36		$	155		$	39		$	30		$	38		$	47		$	154
Net investment income		273			271			277			272			1,093			272			253			250			224			999
Net investment gains (losses)		(11	)		5			(47	)		(28	)		(81	)		(18	)		(71	)		(19	)		(180	)		(288	)
Insurance and investment product fees and other		1			2			2			2			7			3			1			3			4			11
Total revenues		308			320			264			282			1,174			296			213			272			95			876
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		133			139			127			127			526			131			125			125			134			515
Interest credited		107			109			111			111			438			115			119			121			121			476
Acquisition and operating expenses, net of deferrals		18			16			16			17			67			20			19			20			18			77
Amortization of deferred acquisition costs and intangibles		29			28			5			21			83			20			16			20			3			59
Interest expense		—			—			—			—			—			—			—			1			—			1
Total benefits and expenses		287			292			259			276			1,114			286			279			287			276			1,128
INCOME (LOSS) BEFORE INCOME TAXES		21			28			5			6			60			10			(66	)		(15	)		(181	)		(252	)
Provision (benefit) for income taxes		8			9			2			3			22			6			(28	)		(6	)		(63	)		(91	)
NET INCOME (LOSS)		13			19			3			3			38			4			(38	)		(9	)		(118	)		(161	)
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		8			(3	)		22			14			41			8			36			10			98			152
NET OPERATING INCOME (LOSS)	$	21		$	16		$	25		$	17		$	79		$	12		$	(2	)	$	1		$	(20	)	$	(9	)
Effective tax rate (operating income (loss))		37.8	%		33.4	%		34.6	%		38.3	%		36.0	%		47.2	%		83.0	%		13.3	%		34.7	%		49.2	%
SALES:
Sales by Product:
Structured Settlements	$	—		$	—		$	—		$	—		$	—		$	—		$	1		$	5		$	4		$	10
Single Premium Immediate Annuities		79			82			72			68			301			75			62			70			74			281
Fixed Annuities		106			134			90			39			369			29			64			221			229			543
Total Sales	$	185		$	216		$	162		$	107		$	670		$	104		$	127		$	296		$	307		$	834
Sales by Distribution Channel:
Financial Intermediaries	$	114		$	103		$	78		$	60		$	355		$	54		$	70		$	165		$	162		$	451
Independent Producers		66			106			78			44			294			47			52			121			127			347
Dedicated Sales Specialists		5			7			6			3			21			3			5			10			18			36
Total Sales	$	185		$	216		$	162		$	107		$	670		$	104		$	127		$	296		$	307		$	834
PREMIUMS BY PRODUCT:
Single Premium Immediate Annuities	$	45		$	42		$	32		$	36		$	155		$	39		$	30		$	36		$	44		$	149
Structured Settlements		—			—			—			—			—			—			—			2			3			5
Total Premiums	$	45		$	42		$	32		$	36		$	155		$	39		$	30		$	38		$	47		$	154

27

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Operating Performance Measures—Retirement Income—Spread-Based

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Fixed Annuities
Account value, net of reinsurance, beginning of period	$	10,972		$	11,117		$	11,234		$	11,409		$	11,409		$	11,588		$	11,770		$	11,833		$	11,996		$	11,996
Deposits		108			136			92			41			377			31			69			229			242			571
Surrenders, benefits and product charges		(353	)		(376	)		(304	)		(312	)		(1,345	)		(310	)		(353	)		(394	)		(508	)		(1,565	)
Net flows		(245	)		(240	)		(212	)		(271	)		(968	)		(279	)		(284	)		(165	)		(266	)		(994	)
Interest credited		92			95			95			96			378			100			102			102			103			407
Account value, net of reinsurance, end of period		10,819			10,972			11,117			11,234			10,819			11,409			11,588			11,770			11,833			11,409
Single Premium Immediate Annuities
Account value, net of reinsurance, beginning of period		6,783			6,529			6,593			6,675			6,675			6,753			6,827			6,925			6,957			6,957
Premiums and deposits		102			116			100			95			413			97			91			101			111			400
Surrenders, benefits and product charges		(261	)		(251	)		(251	)		(265	)		(1,028	)		(264	)		(255	)		(289	)		(236	)		(1,044	)
Net flows		(159	)		(135	)		(151	)		(170	)		(615	)		(167	)		(164	)		(188	)		(125	)		(644	)
Interest credited		84			85			87			88			344			89			90			90			93			362
Effect of accumulated net unrealized investment gains (losses)		(180	)		304			—			—			124			—			—			—			—			—
Account value, net of reinsurance, end of period		6,528			6,783			6,529			6,593			6,528			6,675			6,753			6,827			6,925			6,675
Structured Settlements
Account value, net of reinsurance, beginning of period		1,114			1,115			1,115			1,115			1,115			1,116			1,117			1,101			1,106			1,106
Premiums and deposits		—			—			—			—			—			—			—			6			4			10
Surrenders, benefits and product charges		(16	)		(16	)		(15	)		(14	)		(61	)		(16	)		(15	)		(5	)		(23	)		(59	)
Net flows		(16	)		(16	)		(15	)		(14	)		(61	)		(16	)		(15	)		1			(19	)		(49	)
Interest credited		15			15			15			14			59			15			14			15			14			58
Account value, net of reinsurance, end of period		1,113			1,114			1,115			1,115			1,113			1,115			1,116			1,117			1,101			1,115
Total Retirement Income—Spread-Based	$	18,460		$	18,869		$	18,761		$	18,942		$	18,460		$	19,199		$	19,457		$	19,714		$	19,859		$	19,199

28

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income and Sales—Life Insurance

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	217		$	226		$	232		$	229		$	904		$	228		$	241		$	241		$	243		$	953
Net investment income		131			122			119			106			478			105			111			108			103			427
Net investment gains (losses)		(15	)		(13	)		(7	)		(26	)		(61	)		(45	)		(43	)		(42	)		(160	)		(290	)
Insurance and investment product fees and other		124			120			109			104			457			95			111			96			93			395
Total revenues		457			455			453			413			1,778			383			420			403			279			1,485
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		246			239			240			228			953			206			211			207			222			846
Interest credited		60			62			61			60			243			62			64			59			62			247
Acquisition and operating expenses, net of deferrals		40			39			39			37			155			37			36			31			33			137
Amortization of deferred acquisition costs and intangibles		38			52			43			45			178			29			4			28			36			97
Interest expense		26			26			28			22			102			23			23			23			26			95
Total benefits and expenses		410			418			411			392			1,631			357			338			348			379			1,422
INCOME (LOSS) BEFORE INCOME TAXES		47			37			42			21			147			26			82			55			(100	)		63
Provision (benefit) for income taxes		15			13			14			3			45			6			24			20			(35	)		15
NET INCOME (LOSS)		32			24			28			18			102			20			58			35			(65	)		48
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		10			9			4			19			42			23			20			23			103			169
NET OPERATING INCOME	$	42		$	33		$	32		$	37		$	144		$	43		$	78		$	58		$	38		$	217
Effective tax rate (operating income)		32.2	%		34.9	%		34.6	%		25.9	%		31.9	%		30.3	%		30.7	%		35.4	%		35.4	%		32.8	%
SALES:
Sales by Product:
Term Life	$	—		$	1		$	4		$	14		$	19		$	22		$	19		$	18		$	19		$	78
Term Universal Life		31			31			24			10			96			—			—			—			—			—
Universal Life:
Annualized First-Year Deposits		10			10			9			8			37			8			8			8			9			33
Excess Deposits		33			26			27			20			106			25			23			23			28			99
Total Universal Life		43			36			36			28			143			33			31			31			37			132
Total Sales	$	74		$	68		$	64		$	52		$	258		$	55		$	50		$	49		$	56		$	210
Sales by Distribution Channel:
Financial Intermediaries	$	—		$	1		$	1		$	—		$	2		$	—		$	—		$	1		$	1		$	2
Independent Producers		74			66			63			52			255			55			50			48			55			208
Dedicated Sales Specialist		—			1			—			—			1			—			—			—			—			—
Total Sales	$	74		$	68		$	64		$	52		$	258		$	55		$	50		$	49		$	56		$	210

29

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Life Insurance In-force

(amounts in millions)

	2010								2009
	4Q		3Q		2Q		1Q		4Q		3Q		2Q		1Q
Term life insurance
Life insurance in-force, net of reinsurance	$	457,079	$	465,275	$	468,098	$	472,696	$	473,367	$	474,721	$	477,759	$	489,723
Life insurance in-force before reinsurance	$	595,259	$	603,606	$	612,284	$	620,108	$	622,800	$	621,808	$	623,139	$	625,503
Term universal life insurance
Life insurance in-force, net of reinsurance	$	45,256	$	31,761	$	17,754	$	5,453	$	—	$	—	$	—	$	—
Life insurance in-force before reinsurance	$	45,562	$	31,935	$	17,820	$	5,456	$	—	$	—	$	—	$	—
Universal and whole life insurance
Life insurance in-force, net of reinsurance	$	43,867	$	43,797	$	43,743	$	43,712	$	43,915	$	43,875	$	43,800	$	43,901
Life insurance in-force before reinsurance	$	50,602	$	50,632	$	50,617	$	50,655	$	50,919	$	50,952	$	50,994	$	51,201
Total life insurance
Life insurance in-force, net of reinsurance	$	546,202	$	540,833	$	529,595	$	521,861	$	517,282	$	518,596	$	521,559	$	533,624
Life insurance in-force before reinsurance	$	691,423	$	686,173	$	680,721	$	676,219	$	673,719	$	672,760	$	674,133	$	676,704

30

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income and Sales—Long-Term Care

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	573		$	577		$	558		$	559		$	2,267		$	569		$	542		$	550		$	545		$	2,206
Net investment income		242			232			230			212			916			216			205			198			180			799
Net investment gains (losses)		(22	)		(5	)		4			2			(21	)		(38	)		5			(27	)		(216	)		(276	)
Insurance and investment product fees and other		17			15			9			5			46			(1	)		4			6			6			15
Total revenues		810			819			801			778			3,208			746			756			727			515			2,744
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		635			602			582			581			2,400			568			563			559			535			2,225
Interest credited		2			1			1			1			5			2			—			1			—			3
Acquisition and operating expenses, net of deferrals		114			107			105			92			418			100			93			90			86			369
Amortization of deferred acquisition costs and intangibles		13			46			35			40			134			35			39			40			47			161
Interest expense		1			—			1			—			2			1			—			—			—			1
Total benefits and expenses		765			756			724			714			2,959			706			695			690			668			2,759
INCOME (LOSS) BEFORE INCOME TAXES		45			63			77			64			249			40			61			37			(153	)		(15	)
Provision (benefit) for income taxes		15			23			27			23			88			15			19			13			(53	)		(6	)
NET INCOME (LOSS)		30			40			50			41			161			25			42			24			(100	)		(9	)
ADJUSTMENT TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		13			4			(3	)		(1	)		13			24			(3	)		18			141			180
NET OPERATING INCOME	$	43		$	44		$	47		$	40		$	174		$	49		$	39		$	42		$	41		$	171
Effective tax rate (operating income)		35.3	%		35.5	%		35.4	%		35.9	%		35.5	%		38.0	%		30.3	%		34.2	%		35.4	%		34.8	%
SALES:
Sales by Distribution Channel:
Financial Intermediaries	$	4		$	5		$	3		$	4		$	16		$	3		$	3		$	2		$	2		$	10
Independent Producers		23			21			18			16			78			15			12			11			11			49
Dedicated Sales Specialist		12			12			13			11			48			12			13			12			11			48
Total Individual Long-Term Care		39			38			34			31			142			30			28			25			24			107
Group Long-Term Care		3			3			3			8			17			2			5			1			1			9
Medicare Supplement and Other A&H		23			12			11			17			63			21			12			13			17			63
Linked-Benefits		18			16			12			11			57			10			8			5			5			28
Total Sales	$	83		$	69		$	60		$	67		$	279		$	63		$	53		$	44		$	47		$	207
LOSS RATIOS:
Total Long-Term Care
Net Earned Premiums	$	492		$	494		$	480		$	479		$	1,945		$	488		$	469		$	478		$	475		$	1,910
Loss Ratio(1)		72.8	%		66.6	%		64.6	%		64.6	%		67.2	%		63.6	%		64.6	%		67.5	%		63.6	%		64.8	%
Gross Benefits Ratio(2)		118.3	%		110.8	%		108.9	%		107.8	%		111.5	%		105.6	%		108.2	%		105.0	%		100.0	%		104.7	%
Medicare Supplement and A&H(3)
Net Earned Premiums	$	81		$	82		$	79		$	80		$	322		$	76		$	74		$	73		$	73		$	296
Loss Ratio(1)		65.1	%		65.9	%		76.7	%		79.7	%		71.8	%		70.6	%		73.0	%		78.8	%		82.6	%		76.2	%

⁽¹⁾ The loss ratio for the long-term care insurance products was calculated by dividing benefits and other changes in policy reserves less tabular interest on reserves less loss adjustment expenses by net earned premiums.

⁽²⁾ The gross benefits ratio for the long-term care insurance products was calculated by dividing the benefits and other changes in policy reserves by net earned premiums.

⁽³⁾ Net earned premiums and loss ratios for Medicare Supplement and A&H do not include the linked-benefits products.

31

International

32

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income—International

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	481		$	453		$	495		$	504		$	1,933		$	541		$	523		$	508		$	496		$	2,068
Net investment income		129			121			127			132			509			120			124			122			104			470
Net investment gains (losses)		2			8			1			9			20			3			4			4			(15	)		(4	)
Insurance and investment product fees and other		5			12			(1	)		6			22			4			12			5			5			26
Total revenues		617			594			622			651			2,484			668			663			639			590			2,560
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		129			120			163			174			586			189			200			226			192			807
Acquisition and operating expenses, net of deferrals		198			192			205			203			798			212			215			197			195			819
Amortization of deferred acquisition costs and intangibles		69			59			67			72			267			77			65			66			74			282
Interest expense		15			11			10			23			59			4			15			24			8			51
Total benefits and expenses		411			382			445			472			1,710			482			495			513			469			1,959
INCOME BEFORE INCOME TAXES		206			212			177			179			774			186			168			126			121			601
Provision for income taxes		53			49			35			50			187			49			45			36			30			160
NET INCOME		153			163			142			129			587			137			123			90			91			441
Less: net income attributable to noncontrolling interests		35			39			35			34			143			35			26			—			—			61
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		118			124			107			95			444			102			97			90			91			380
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(1	)		(3	)		(2	)		(4	)		(10	)		(1	)		(1	)		(3	)		10			5
NET OPERATING INCOME(1)	$	117		$	121		$	105		$	91		$	434		$	101		$	96		$	87		$	101		$	385
Effective tax rate (operating income)		23.7	%		22.5	%		16.5	%		26.6	%		22.4	%		27.0	%		23.3	%		28.7	%		26.2	%		26.3	%

⁽¹⁾ Net operating income adjusted for foreign exchange as compared to the prior year period for the International segment was $115 million and $399 million for the three and twelve months ended December 31, 2010, respectively.

33

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income and Sales—International Mortgage Insurance—Canada

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	154		$	148		$	151		$	147		$	600		$	146		$	141		$	131		$	127		$	545
Net investment income		48			48			47			45			188			45			43			42			41			171
Net investment gains (losses)		1			4			(1	)		5			9			3			7			5			(3	)		12
Insurance and investment product fees and other		—			—			(1	)		—			(1	)		—			1			—			—			1
Total revenues		203			200			196			197			796			194			192			178			165			729
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		49			46			49			56			200			57			58			63			50			228
Acquisition and operating expenses, net of deferrals		27			24			23			22			96			23			22			17			17			79
Amortization of deferred acquisition costs and intangibles		12			11			13			12			48			10			10			9			9			38
Interest expense		4			4			—			—			8			—			—			—			1			1
Total benefits and expenses		92			85			85			90			352			90			90			89			77			346
INCOME BEFORE INCOME TAXES		111			115			111			107			444			104			102			89			88			383
Provision for income taxes		30			31			31			30			122			31			28			26			25			110
NET INCOME		81			84			80			77			322			73			74			63			63			273
Less: net income attributable to noncontrolling interests		35			39			35			34			143			35			26			—			—			61
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S
COMMON STOCKHOLDERS		46			45			45			43			179			38			48			63			63			212
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			(1	)		—			(2	)		(3	)		(1	)		(3	)		(5	)		3			(6	)
NET OPERATING INCOME(1)	$	46		$	44		$	45		$	41		$	176		$	37		$	45		$	58		$	66		$	206
Effective tax rate (operating income)		24.3	%		29.0	%		26.5	%		26.7	%		26.6	%		32.5	%		21.6	%		29.2	%		28.7	%		28.2	%
SALES:
New Insurance Written (NIW)
Flow	$	5,600		$	6,700		$	6,700		$	4,000		$	23,000		$	4,700		$	4,400		$	3,600		$	2,400		$	15,100
Bulk		900			600			300			1,800			3,600			300			200			—			400			900
Total Canada NIW(2)	$	6,500		$	7,300		$	7,000		$	5,800		$	26,600		$	5,000		$	4,600		$	3,600		$	2,800		$	16,000

⁽¹⁾ Net operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $44 million and $159 million for the three and twelve months ended December 31, 2010, respectively.

⁽²⁾ New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $6,300 million and $24,200 million for the three and twelve months ended December 31, 2010, respectively.

34

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income and Sales—International Mortgage Insurance—Australia

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	92		$	75		$	86		$	84		$	337		$	93		$	77		$	77		$	66		$	313
Net investment income		41			38			38			37			154			36			34			29			26			125
Net investment gains (losses)		2			1			—			—			3			—			(1	)		—			3			2
Insurance and investment product fees and other		—			1			—			1			2			1			1			—			—			2
Total revenues		135			115			124			122			496			130			111			106			95			442
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		33			29			37			36			135			42			35			41			39			157
Acquisition and operating expenses, net of deferrals		19			17			14			16			66			16			14			12			12			54
Amortization of deferred acquisition costs and intangibles		10			9			9			9			37			8			6			7			5			26
Interest expense		—			—			—			—			—			—			—			—			—			—
Total benefits and expenses		62			55			60			61			238			66			55			60			56			237
INCOME BEFORE INCOME TAXES		73			60			64			61			258			64			56			46			39			205
Provision for income taxes		16			12			5			18			51			19			15			14			8			56
NET INCOME		57			48			59			43			207			45			41			32			31			149
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.'S COMMON STOCKHOLDERS		57			48			59			43			207			45			41			32			31			149
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		(2	)		—			—			—			(2	)		—			1			—			(2	)		(1	)
NET OPERATING INCOME(1)	$	55		$	48		$	59		$	43		$	205		$	45		$	42		$	32		$	29		$	148
Effective tax rate (operating income)		21.0	%		20.1	%		8.2	%		29.4	%		19.5	%		28.8	%		27.3	%		31.0	%		19.0	%		27.1	%
SALES:
New Insurance Written (NIW)
Flow	$	5,900		$	6,100		$	6,000		$	6,700		$	24,700		$	8,700		$	8,900		$	8,700		$	6,600		$	32,900
Bulk		1,500			900			1,200			700			4,300			—			—			—			—			—
Total Australia NIW(2)	$	7,400		$	7,000		$	7,200		$	7,400		$	29,000		$	8,700		$	8,900		$	8,700		$	6,600		$	32,900

⁽¹⁾ Net operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $52 million and $179 million for the three and twelve months ended December 31, 2010, respectively.

⁽²⁾ New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $6,900 million and $25,100 million for the three and twelve months ended December 31, 2010, respectively.

35

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	16		$	12		$	14		$	15		$	57		$	14		$	18		$	16		$	21		$	69
Net investment income		3			3			4			3			13			3			5			4			5			17
Net investment gains (losses)		—			1			—			2			3			—			1			—			(2	)		(1	)
Insurance and investment product fees and other		1			5			—			1			7			1			—			1			1			3
Total revenues		20			21			18			21			80			18			24			21			25			88
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		13			8			20			14			55			14			24			21			20			79
Acquisition and operating expenses, net of deferrals		9			12			11			11			43			10			10			8			13			41
Amortization of deferred acquisition costs and intangibles		2			—			2			1			5			3			2			1			2			8
Interest expense		—			—			—			—			—			—			—			—			—			—
Total benefits and expenses		24			20			33			26			103			27			36			30			35			128
INCOME (LOSS) BEFORE INCOME TAXES		(4	)		1			(15	)		(5	)		(23	)		(9	)		(12	)		(9	)		(10	)		(40	)
Benefit for income taxes		(1	)		—			(5	)		(1	)		(7	)		(5	)		(4	)		(1	)		(4	)		(14	)
NET INCOME (LOSS)		(3	)		1			(10	)		(4	)		(16	)		(4	)		(8	)		(8	)		(6	)		(26	)
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		(3	)		1			(10	)		(4	)		(16	)		(4	)		(8	)		(8	)		(6	)		(26	)
ADJUSTMENT TO NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		—			—			(1	)		(1	)		(2	)		—			(1	)		1			1			1
NET OPERATING INCOME (LOSS)(1)	$	(3	)	$	1		$	(11	)	$	(5	)	$	(18	)	$	(4	)	$	(9	)	$	(7	)	$	(5	)	$	(25	)
Effective tax rate (operating income (loss))		35.5	%		15.8	%		31.0	%		28.8	%		31.5	%		46.7	%		38.6	%		7.7	%		39.8	%		34.3	%
SALES:
New Insurance Written (NIW)
Flow	$	600		$	700		$	700		$	700		$	2,700		$	900		$	900		$	600		$	900		$	3,300
Bulk		1,600			—			—			—			1,600			—			—			100			—			100
Total Other International NIW(2)	$	2,200		$	700		$	700		$	700		$	4,300		$	900		$	900		$	700		$	900		$	3,400

⁽¹⁾ Net operating income (loss) for the Other International platform adjusted for foreign exchange as compared to the prior year period was $(3) million and $(18) million for the three and twelve months ended December 31, 2010, respectively.

⁽²⁾ New insurance written for the Other International platform adjusted for foreign exchange as compared to the prior year period was $2,300 million and $4,400 million for the three and twelve months ended December 31, 2010, respectively.

36

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written
Canada	$	131		$	160		$	153		$	90		$	534		$	104		$	94		$	70		$	52		$	320
Australia		65			63			65			64			257			99			101			110			82			392
Other International(1)		9			10			—			9			28			(28	)		9			1			4			(14	)
Total International Net Premiums Written	$	205		$	233		$	218		$	163		$	819		$	175		$	204		$	181		$	138		$	698
Loss Ratio(2)
Canada		32	%		31	%		32	%		38	%		33	%		39	%		41	%		48	%		39	%		42	%
Australia		37	%		38	%		42	%		44	%		40	%		45	%		45	%		54	%		59	%		50	%
Other International		81	%		69	%		136	%		93	%		96	%		107	%		131	%		129	%		95	%		115	%
Total International Loss Ratio		37	%		35	%		42	%		43	%		39	%		45	%		50	%		56	%		51	%		50	%
GAAP Basis Expense Ratio(3)
Canada		25	%		24	%		24	%		23	%		24	%		23	%		22	%		21	%		20	%		21	%
Australia		32	%		33	%		28	%		30	%		31	%		26	%		25	%		25	%		26	%		26	%
Other International(1)		74	%		97	%		86	%		82	%		84	%		94	%		67	%		52	%		74	%		71	%
Total International GAAP Basis Expense Ratio		31	%		31	%		29	%		29	%		30	%		28	%		26	%		24	%		27	%		26	%
Adjusted Expense Ratio(4)
Canada		29	%		23	%		23	%		38	%		27	%		32	%		33	%		38	%		50	%		36	%
Australia		45	%		39	%		37	%		39	%		40	%		24	%		20	%		17	%		21	%		20	%
Other International(1)		118	%		124	%		NM	(6)		129	%		170	%		-45	%		127	%		NM	(6)		364	%		-341	%
Total International Adjusted Expense Ratio		38	%		31	%		33	%		44	%		36	%		40	%		31	%		30	%		42	%		35	%
Primary Insurance In-force
Canada	$	246,300		$	234,400		$	220,400		$	225,400					$	213,500		$	204,900		$	186,600		$	169,700
Australia		283,500			267,100			233,100			254,400						248,000			241,400			218,500			185,800
Other International(1)		34,300			33,900			30,600			35,700						37,200			48,800			47,700			45,100
Total International Primary Insurance In-force	$	564,100		$	535,400		$	484,100		$	515,500					$	498,700		$	495,100		$	452,800		$	400,600
Primary Risk In-force(5)
Canada
Flow	$	69,300		$	65,500		$	61,300		$	62,400					$	59,400		$	56,800		$	51,400		$	46,700
Bulk		16,900			16,500			15,800			16,500						15,300			14,900			13,900			12,700
Total Canada		86,200			82,000			77,100			78,900						74,700			71,700			65,300			59,400
Australia
Flow		88,900			83,500			73,000			79,400						77,300			75,000			67,700			57,300
Bulk		10,400			10,000			8,600			9,600						9,500			9,500			8,800			7,700
Total Australia		99,300			93,500			81,600			89,000						86,800			84,500			76,500			65,000
Other International
Flow(1)		4,500			4,500			4,000			4,700						4,900			5,800			5,600			5,300
Bulk		400			200			300			300						300			600			600			600
Total Other International		4,900			4,700			4,300			5,000						5,200			6,400			6,200			5,900
Total International Primary Risk In-force	$	190,400		$	180,200		$	163,000		$	172,900					$	166,700		$	162,600		$	148,000		$	130,300

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

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

⁽²⁾ The ratio of incurred losses and loss adjustment expense to net earned premiums. In determining the pricing of the mortgage insurance products, the company develops a pricing loss ratio which uses industry and company loss experience over a number of years, which incorporate both favorable and unfavorable economic environments, differing coverage levels and varying capital requirements. Actual results may vary from pricing loss ratios for a number of reasons, which include differing economic conditions and actual individual product and lender performance. New business pricing loss ratios for the international businesses were as follows for all periods: Canada 35%-40%, Australia 25%-35% and Europe 60%-65%. However, in the second half of 2009, re-pricing efforts in Europe resulted in new business pricing loss ratios of 40%-45% in most countries.

⁽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 deferred acquisition costs (“DAC”) and intangibles.

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

⁽⁵⁾ The businesses in Australia, New Zealand and Canada currently provide 100% coverage on the majority of the loans the company insures in those markets. For the purpose of representing the risk in-force, the company has computed an “effective risk in-force” amount which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor that represents the highest expected average per-claim payment for any one underwriting year over the life of the businesses in Australia, New Zealand and Canada. This factor was 35% for all periods presented.

⁽⁶⁾ “NM” is defined as not meaningful for increases or decreases greater than 500%.

37

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance—Canada

(dollar amounts in millions)

Primary Insurance	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
Insured loans in-force		1,287,153			1,272,984			1,250,734			1,232,052			1,213,080
Insured delinquent loans		3,401			3,139			3,231			3,460			3,381
Insured delinquency rate		0.26	%		0.25	%		0.26	%		0.28	%		0.28	%
Flow loans in-force		1,000,254			983,809			962,793			942,850			931,882
Flow delinquent loans		3,117			2,897			3,009			3,218			3,149
Flow delinquency rate		0.31	%		0.29	%		0.31	%		0.34	%		0.34	%
Bulk loans in-force		286,899			289,175			287,941			289,202			281,198
Bulk delinquent loans		284			242			222			242			232
Bulk delinquency rate		0.10	%		0.08	%		0.08	%		0.08	%		0.08	%
Loss Metrics	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
Beginning Reserves	$	202		$	208		$	222		$	219		$	213
Paid claims		(56	)		(58	)		(53	)		(59	)		(57	)
Increase in reserves		50			46			49			56			59
Impact of changes in foreign exchange rates		6			6			(10	)		6			4
Ending Reserves	$	202		$	202		$	208		$	222		$	219
	December 31, 2010						September 30, 2010						December 31, 2009
Province and Territory	% of Primary Risk In-force			Primary Delinquency Rate			% of Primary Risk In-force			Primary Delinquency Rate			% of Primary Risk In-force			Primary Delinquency Rate
Ontario		46	%		0.18	%		47	%		0.17	%		48	%		0.23	%
British Columbia		16			0.30	%		16			0.27	%		16			0.25	%
Alberta		16			0.62	%		15			0.58	%		15			0.54	%
Quebec		15			0.23	%		15			0.21	%		14			0.29	%
Nova Scotia		2			0.23	%		2			0.25	%		2			0.28	%
Saskatchewan		2			0.16	%		2			0.13	%		2			0.15	%
Manitoba		1			0.09	%		1			0.09	%		1			0.12	%
New Brunswick		1			0.30	%		1			0.32	%		1			0.29	%
All Other		1			0.13	%		1			0.14	%		1			0.10	%
Total		100	%		0.26	%		100	%		0.25	%		100	%		0.28	%
By Policy Year
2002 and Prior		14	%		0.03	%		14	%		0.02	%		16	%		0.03	%
2003		6			0.06	%		6			0.06	%		6			0.08	%
2004		8			0.10	%		8			0.09	%		9			0.12	%
2005		8			0.16	%		9			0.16	%		9			0.20	%
2006		10			0.35	%		11			0.36	%		12			0.42	%
2007		21			0.55	%		22			0.51	%		24			0.58	%
2008		13			0.65	%		13			0.59	%		15			0.50	%
2009		8			0.27	%		8			0.18	%		9			0.05	%
2010		12			0.04	%		9			0.02	%		—			—	%
Total		100	%		0.26	%		100	%		0.25	%		100	%		0.28	%

38

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance—Canada

(Canadian dollar amounts in millions)

	2010														2009
	4Q			3Q			2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims
Flow	$	56		$	60		$	53		$	61		$	230	$	58		$	56		$	45		$	27		$	186
Bulk		—			1			1			1			3		2			1			—			1			4
Total Paid Claims	$	56		$	61		$	54		$	62		$	233	$	60		$	57		$	45		$	28		$	190
Average Paid Claim (in thousands)	$	78.6		$	71.6		$	62.6		$	69.8				$	71.0		$	69.8		$	66.9		$	64.2
Average Reserve Per Delinquency (in thousands)	$	58.9		$	66.1		$	68.5		$	65.2				$	67.8		$	68.2		$	62.8		$	58.1
Loss Metrics
Beginning Reserves	$	207		$	221		$	226		$	229				$	229		$	223		$	196		$	161
Paid claims		(56	)		(61	)		(54	)		(62	)				(60	)		(57	)		(45	)		(28	)
Increase in reserves		49			47			49			59					60			63			72			63
Ending Reserves	$	200		$	207		$	221		$	226				$	229		$	229		$	223		$	196
Loan Amount
Over $550K		4	%		4	%		4	%		3	%				3	%		3	%		3	%		3	%
$400K to $550K		8			7			7			7					7			7			7			6
$250K to $400K		28			29			28			28					28			27			27			27
$100K to $250K		53			53			54			55					55			56			55			56
$100K or Less		7			7			7			7					7			7			8			8
Total		100	%		100	%		100	%		100	%				100	%		100	%		100	%		100	%
Average Primary Loan Size (in thousands)	$	190		$	189		$	187		$	186				$	185		$	183		$	182		$	182

All amounts presented in Canadian dollars.

39

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance—Australia

(dollar amounts in millions)

Primary Insurance	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
Insured loans in-force		1,468,773			1,467,660			1,477,778			1,483,844			1,475,157
Insured delinquent loans		7,062			7,112			7,127			7,274			6,834
Insured delinquency rate		0.48	%		0.48	%		0.48	%		0.49	%		0.46	%
Flow loans in-force		1,304,337			1,301,004			1,314,892			1,319,402			1,306,302
Flow delinquent loans		6,872			6,979			6,975			7,149			6,724
Flow delinquency rate		0.53	%		0.54	%		0.53	%		0.54	%		0.51	%
Bulk loans in-force		164,436			166,656			162,886			164,442			168,855
Bulk delinquent loans		190			133			152			125			110
Bulk delinquency rate		0.12	%		0.08	%		0.09	%		0.08	%		0.07	%
Loss Metrics	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
Beginning Reserves	$	188		$	164		$	195		$	202		$	186
Paid claims		(27	)		(27	)		(53	)		(46	)		(28	)
Increase in reserves		33			29			36			36			41
Impact of changes in foreign exchange rates		12			22			(14	)		3			3
Ending Reserves	$	206		$	188		$	164		$	195		$	202
	December 31, 2010						September 30, 2010						December 31, 2009
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		31	%		0.55	%		32	%		0.57	%		32	%		0.60	%
Victoria		23			0.36	%		23			0.37	%		23			0.37	%
Queensland		23			0.56	%		22			0.55	%		22			0.38	%
Western Australia		10			0.43	%		10			0.42	%		10			0.37	%
South Australia		6			0.43	%		6			0.43	%		5			0.29	%
New Zealand		2			1.11	%		2			1.12	%		3			1.57	%
Australian Capital Territory		2			0.09	%		2			0.09	%		2			0.08	%
Tasmania		2			0.30	%		2			0.29	%		2			0.21	%
Northern Territory		1			0.19	%		1			0.14	%		1			0.09	%
Total		100	%		0.48	%		100	%		0.48	%		100	%		0.46	%
By Policy Year
2002 and Prior		15	%		0.06	%		15	%		0.06	%		17	%		0.04	%
2003		5			0.23	%		5			0.26	%		6			0.25	%
2004		7			0.36	%		7			0.37	%		8			0.38	%
2005		9			0.50	%		10			0.50	%		11			0.58	%
2006		13			0.69	%		13			0.70	%		14			0.81	%
2007		14			1.05	%		14			1.03	%		15			1.06	%
2008		13			1.13	%		13			1.12	%		14			0.83	%
2009		14			0.46	%		15			0.41	%		15			0.10	%
2010		10			0.05	%		8			0.03	%		—			—	%
Total		100	%		0.48	%		100	%		0.48	%		100	%		0.46	%

40

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance—Australia

(Australian dollar amounts in millions)

	2010														2009
	4Q			3Q			2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims
Flow	$	28		$	31		$	60		$	51		$	170	$	31		$	45		$	62		$	33		$	171
Bulk		—			1			—			—			1		—			1			—			1			2
Total Paid Claims	$	28		$	32		$	60		$	51		$	171	$	31		$	46		$	62		$	34		$	173
Average Paid Claim (in thousands)	$	68.1		$	61.5		$	74.2		$	66.8				$	68.1		$	61.4		$	62.6		$	55.4
Average Reserve Per Delinquency (in thousands)	$	28.4		$	27.3		$	27.2		$	29.1				$	32.8		$	32.1		$	30.0		$	31.6
Loss Metrics
Beginning Reserves	$	195		$	194		$	212		$	225				$	211		$	213		$	221		$	197
Paid claims		(28	)		(32	)		(60	)		(51	)				(31	)		(46	)		(62	)		(34	)
Increase in reserves		34			33			42			38					45			44			54			58
Ending Reserves	$	201		$	195		$	194		$	212				$	225		$	211		$	213		$	221
Loan Amount
Over $550K		11	%		10	%		10	%		10	%				10	%		10	%		10	%		10	%
$400K to $550K		14			14			14			14					13			13			13			13
$250K to $400K		35			35			35			34					35			34			34			33
$100K to $250K		33			34			34			34					34			35			35			36
$100K or Less		7			7			7			8					8			8			8			8
Total		100	%		100	%		100	%		100	%				100	%		100	%		100	%		100	%
Average Primary Loan Size (in thousands)	$	188		$	188		$	187		$	187				$	187		$	187		$	186		$	186

All amounts presented in Australian dollars.

41

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Selected Key Performance Measures—International Mortgage Insurance

(amounts in millions)

Risk In-force by Loan-To-Value Ratio(1)	December 31, 2010						September 30, 2010
	Primary		Flow		Bulk		Primary		Flow		Bulk
Canada
95.01% and above	$	29,851	$	29,851	$	—	$	28,287	$	28,287	$	—
90.01% to 95.00%		22,899		22,896		3		21,590		21,587		3
80.01% to 90.00%		15,247		13,839		1,408		14,435		13,135		1,299
80.00% and below		18,205		2,665		15,540		17,713		2,515		15,198
Total Canada	$	86,201	$	69,251	$	16,950	$	82,026	$	65,525	$	16,501
Australia
95.01% and above	$	15,910	$	15,910	$	1	$	14,982	$	14,982	$	1
90.01% to 95.00%		20,027		20,016		11		18,617		18,606		11
80.01% to 90.00%		25,151		25,026		125		23,415		23,295		120
80.00% and below		38,138		27,854		10,283		36,480		26,617		9,863
Total Australia	$	99,227	$	88,806	$	10,420	$	93,494	$	83,499	$	9,995
Other International
95.01% and above	$	913	$	913	$	—	$	935	$	935	$	—
90.01% to 95.00%		2,152		2,074		78		2,128		2,086		42
80.01% to 90.00%		1,513		1,161		352		1,421		1,225		196
80.00% and below		358		312		46		239		223		16
Total Other International	$	4,936	$	4,461	$	476	$	4,722	$	4,468	$	255

Amounts may not total due to rounding.

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

42

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income and Sales—Lifestyle Protection Insurance

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	219		$	218		$	244		$	258		$	939		$	288		$	287		$	284		$	282		$	1,141
Net investment income		37			32			38			47			154			36			42			47			32			157
Net investment gains (losses)		(1	)		2			2			2			5			—			(3	)		(1	)		(13	)		(17	)
Insurance and investment product fees and other		4			6			—			4			14			2			10			4			4			20
Total revenues		259			258			284			311			1,112			326			336			334			305			1,301
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		34			37			57			68			196			76			83			101			83			343
Acquisition and operating expenses, net of deferrals		143			139			157			154			593			163			169			160			153			645
Amortization of deferred acquisition costs and intangibles		45			39			43			50			177			56			47			49			58			210
Interest expense		11			7			10			23			51			4			15			24			7			50
Total benefits and expenses		233			222			267			295			1,017			299			314			334			301			1,248
INCOME BEFORE INCOME TAXES		26			36			17			16			95			27			22			—			4			53
Provision (benefit) for income taxes		8			6			4			3			21			4			6			(3	)		1			8
NET INCOME		18			30			13			13			74			23			16			3			3			45
Less: net income attributable to noncontrolling interests		—			—			—			—			—			—			—			—			—			—
NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		18			30			13			13			74			23			16			3			3			45
ADJUSTMENT TO NET INCOME AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net of taxes and other adjustments		1			(2	)		(1	)		(1	)		(3	)		—			2			1			8			11
NET OPERATING INCOME(1)	$	19		$	28		$	12		$	12		$	71		$	23		$	18		$	4		$	11		$	56
Effective tax rate (operating income)		31.1	%		14.8	%		24.8	%		14.9	%		21.7	%		17.3	%		26.2	%		-341.2	%		34.6	%		20.4	%
SALES:
Lifestyle Protection Insurance
Traditional indemnity premiums	$	230		$	232		$	220		$	263		$	945		$	283		$	289		$	272		$	267		$	1,111
Premium equivalents for administrative services only business		6			5			4			4			19			1			4			6			8			19
Reinsurance premiums assumed accounted for under the deposit method		191			201			200			170			762			180			181			178			132			671
Total Lifestyle Protection Insurance(2)		427			438			424			437			1,726			464			474			456			407			1,801
Mexico Operations		—			—			—			—			—			—			18			16			16			50
Total Sales	$	427		$	438		$	424		$	437		$	1,726		$	464		$	492		$	472		$	423		$	1,851
SALES BY REGION(3):
Lifestyle Protection Insurance
Established European Regions
Western Region	$	132		$	128		$	126		$	166		$	552		$	155		$	165		$	158		$	147		$	625
Southern Region		116			122			109			100			447			132			137			138			111			518
Nordic region		82			86			86			82			336			90			85			78			69			322
Structured Deals(4)		87			85			93			78			343			77			74			69			66			286
Other Countries		10			17			10			11			48			10			13			13			14			50
Total Lifestyle Protection Insurance		427			438			424			437			1,726			464			474			456			407			1,801
Mexico Operations		—			—			—			—			—			—			18			16			16			50
Total Sales	$	427		$	438		$	424		$	437		$	1,726		$	464		$	492		$	472		$	423		$	1,851
Loss Ratio(5)		16	%		17	%		23	%		26	%		21	%		26	%		27	%		34	%		27	%		28	%

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

⁽¹⁾ Net operating income adjusted for foreign exchange as compared to the prior year period for the lifestyle protection insurance business was $22 million and $79 million for the three and twelve months ended December 31, 2010, respectively.

⁽²⁾ Sales adjusted for foreign exchange as compared to the prior year period for the lifestyle protection insurance business were $452 million and $1,762 million for the three and twelve months ended December 31, 2010, respectively.

⁽³⁾ In the first quarter of 2010, the company changed the way it reports sales by region. All prior period amounts have been re-presented.

⁽⁴⁾ Structured deals represent in-force blocks of business acquired through reinsurance arrangements and ongoing reciprocal arrangements in place with certain clients.

⁽⁵⁾ The ratio of incurred losses and loss adjustment expense to net earned premiums excluding amounts associated with the Mexico operations.

43

U.S. Mortgage Insurance

44

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	151		$	149		$	153		$	142		$	595		$	146		$	156		$	164		$	170		$	636
Net investment income		27			28			31			30			116			32			34			35			33			134
Net investment gains (losses)		17			15			(3	)		4			33			27			41			—			(19	)		49
Insurance and investment product fees and other		2			3			—			5			10			2			4			(3	)		4			7
Total revenues		197			195			181			181			754			207			235			196			188			826
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		688			391			216			196			1,491			272			346			371			403			1,392
Acquisition and operating expenses, net of deferrals		36			28			33			34			131			33			34			33			32			132
Amortization of deferred acquisition costs and intangibles		6			6			4			3			19			6			6			5			5			22
Total benefits and expenses		730			425			253			233			1,641			311			386			409			440			1,546
LOSS BEFORE INCOME TAXES		(533	)		(230	)		(72	)		(52	)		(887	)		(104	)		(151	)		(213	)		(252	)		(720	)
Benefit for income taxes		(191	)		(89	)		(29	)		(19	)		(328	)		(48	)		(62	)		(79	)		(104	)		(293	)
NET LOSS		(342	)		(141	)		(43	)		(33	)		(559	)		(56	)		(89	)		(134	)		(148	)		(427	)
ADJUSTMENT TO NET LOSS:
Net investment (gains) losses, net of taxes and other adjustments		(10	)		(11	)		3			(3	)		(21	)		(18	)		(27	)		—			13			(32	)
NET OPERATING LOSS	$	(352	)	$	(152	)	$	(40	)	$	(36	)	$	(580	)	$	(74	)	$	(116	)	$	(134	)	$	(135	)	$	(459	)
Effective tax rate (operating loss)		35.9	%		38.2	%		40.8	%		36.5	%		36.9	%		43.8	%		39.7	%		37.2	%		41.7	%		40.3	%
SALES:
New Insurance Written (NIW)
Flow	$	2,600		$	2,400		$	2,100		$	1,500		$	8,600		$	1,800		$	1,500		$	1,600		$	2,500		$	7,400
Bulk		600			300			100			200			1,200			400			500			1,700			1,100			3,700
Pool		—			—			—			—			—			—			—			100			100			200
Total U.S. Mortgage Insurance NIW	$	3,200		$	2,700		$	2,200		$	1,700		$	9,800		$	2,200		$	2,000		$	3,400		$	3,700		$	11,300

45

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Other Metrics—U.S. Mortgage Insurance

(dollar amounts in millions)

							2010									2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	151		$	148		$	152		$	142		$	593		$	144		$	150		$	160		$	171		$	625
New Risk Written
Flow	$	565		$	552		$	480		$	335		$	1,932		$	373		$	316		$	323		$	510		$	1,522
Bulk		36			16			5			8			65			18			23			67			45			153
Total Primary		601			568			485			343			1,997			391			339			390			555			1,675
Pool		—			—			—			—			—			1			2			3			2			8
Total New Risk Written	$	601		$	568		$	485		$	343		$	1,997		$	392		$	341		$	393		$	557		$	1,683
Primary Insurance In-force	$	125,900		$	129,100		$	131,900		$	134,800					$	145,100		$	149,500		$	155,200		$	159,800
Risk In-force
Flow	$	28,498		$	29,199		$	29,836		$	30,206					$	30,951		$	31,846		$	32,803		$	34,085
Bulk		539			519			509			523						771			776			775			721
Total Primary		29,037			29,718			30,345			30,729						31,722			32,622			33,578			34,806
Pool		297			308			314			322						331			339			349			355
Total Risk In-force	$	29,334		$	30,026		$	30,659		$	31,051					$	32,053		$	32,961		$	33,927		$	35,161
GAAP Basis Expense Ratio(1)		28	%		22	%		25	%		26	%		25	%		27	%		25	%		23	%		22	%		24	%
Adjusted Expense Ratio(2)		28	%		23	%		25	%		26	%		25	%		28	%		26	%		24	%		22	%		25	%
Flow Persistency		82	%		84	%		88	%		86	%					84	%		84	%		81	%		83	%
Gross Written Premiums Ceded To Captives/Total Direct Written Premiums		18	%		19	%		18	%		20	%					21	%		21	%		22	%		22	%
Risk To Capital Ratio(3)		N/A			17.8:1			15.1:1			14.9:1						14.6:1			15.1:1			14.8:1			13.8:1
Average Primary Loan Size (in thousands)	$	161		$	161		$	161		$	160					$	163		$	163		$	164		$	164
Primary Risk In-force Subject To Captives		43	%		45	%		47	%		48	%					50	%		51	%		52	%		53	%
Primary Risk In-force That Is GSE Conforming		96	%		96	%		96	%		96	%					96	%		96	%		96	%		96	%
Beginning Number of Primary Delinquencies		98,613			101,759			107,104			122,279			122,279			115,430			102,800			92,964			83,377			83,377
New delinquencies		25,771			27,180			26,034			31,126			110,111			37,539			40,388			36,434			39,944			154,305
Delinquency cures		(21,199	)		(22,923	)		(25,868	)		(41,272	)(4)		(111,262	)		(26,425	)		(24,014	)		(22,790	)		(26,801	)		(100,030	)
Paid claims		(7,790	)		(7,403	)		(5,511	)		(5,029	)		(25,733	)		(4,265	)		(3,744	)		(3,808	)		(3,556	)		(15,373	)
Ending Number of Primary Delinquencies		95,395			98,613			101,759			107,104			95,395			122,279			115,430			102,800			92,964			122,279
Primary Delinquencies by Payment Status
3 payments or less in default		25,131			26,292			26,374			28,646						36,312			37,106			33,470			32,977
4 - 11 payments in default		34,639			37,180			42,993			49,663						58,075			54,476			50,332			45,670
12 payments or more in default		35,625			35,141			32,392			28,795						27,892			23,848			18,998			14,317
Primary Delinquencies		95,395			98,613			101,759			107,104						122,279			115,430			102,800			92,964

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

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

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

⁽³⁾ Certain states limit a private mortgage insurer's risk in-force to 25 times the total of the insurer's policyholders' surplus plus the statutory contingency reserve, commonly known as the “risk to capital” requirement. The risk to capital ratio for the U.S. mortgage insurance business is not available for the current period due to the timing of the statutory statement filings.

⁽⁴⁾ In the first quarter of 2010, the company reached a settlement with a GSE counterparty regarding certain bulk Alt-A business. Delinquency cures included approximately 10,100 cures related to this settlement.

46

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Loss Metrics—U.S. Mortgage Insurance

(dollar amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Paid Claims
Flow	$	263		$	224		$	187		$	219		$	893		$	202		$	177		$	187		$	197		$	763
Bulk		4			19			48			209			280			10			205			2			1			218
Total Primary		267			243			235			428			1,173			212			382			189			198			981
Pool		1			—			1			—			2			—			—			1			—			1
Total Net Paid Claims	$	268		$	243		$	236	(6)	$	428	(8)	$	1,175		$	212		$	382	(10)	$	190		$	198		$	982
Average Paid Claim (in thousands)	$	34.2			32.8		$	42.6	(7)	$	84.7	(9)				$	49.2		$	100.6	(11)	$	49.5		$	55.5
Average Direct Net Paid (in thousands)(1)	$	51.1		$	51.2		$	49.3		$	49.6					$	48.1		$	48.0		$	48.2		$	49.9
Number of Primary Delinquencies
Flow		92,225			95,567			98,771			102,389						107,495			100,208			87,590			79,349
Bulk loans with established reserve		1,713			1,607			1,510			2,155						11,319			11,002			10,294			7,561
Bulk loans with no reserve(2)		1,457			1,439			1,478			2,560						3,465			4,220			4,916			6,054
Average Reserve Per Delinquency (in thousands)
Flow	$	24.3		$	20.4		$	19.5		$	19.2					$	18.9		$	20.0		$	22.9		$	23.1
Bulk loans with established reserve		20.6			15.7			12.8			21.7						20.8			19.2			12.7			11.3
Bulk loans with no reserve(2)		—			—			—			—						—			—			—			—
Beginning Reserves	$	1,973		$	1,952		$	2,016		$	2,289		$	2,289		$	2,233		$	2,264		$	2,028		$	1,711		$	1,711
Paid claims		(438	)		(439	)		(335	)(6)		(503	)(8)		(1,715	)		(256	)		(425	)(10)		(213	)		(205	)		(1,099	)
Increase in reserves		747			460			271	(6)		230	(8)		1,708			312			394	(10)		449			522			1,677
Ending Reserves	$	2,282		$	1,973		$	1,952		$	2,016		$	2,282		$	2,289		$	2,233		$	2,264		$	2,028		$	2,289
Beginning Reinsurance Recoverable(3)	$	463		$	591		$	634		$	674		$	674		$	679		$	673		$	619		$	506		$	506
Ceded paid claims		(170	)		(196	)		(99	)		(75	)		(540	)		(44	)		(43	)		(23	)		(7	)		(117	)
Increase in recoverable		58			68			56			35			217			39			49			77			120			285
Ending Reinsurance Recoverable	$	351		$	463		$	591		$	634		$	351		$	674		$	679		$	673		$	619		$	674
Loss Ratio(4)		457	%		263	%		141	%		138	%		251	%		186	%		223	%		225	%		237	%		219	%
Estimated Savings For Loss Mitigation Activities(5)	$	126		$	158		$	217		$	233		$	734		$	290		$	224		$	188		$	145		$	847

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

⁽¹⁾ Average direct net paid claim excludes the impact of reinsurance and negotiated servicer and GSE settlements.

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

⁽³⁾ Reinsurance recoverable excludes ceded unearned premium recoveries and amounts for which cash proceeds have not yet been received.

⁽⁴⁾ The ratio of incurred losses and loss adjustment expense to net earned premiums. Excluding the GSE Alt-A business settlements in the first and second quarters of 2010, the loss ratio was 253% for the twelve months ended December 31, 2010 and 144% and 141% for the three months ended June 30, 2010 and March 31, 2010, respectively. Excluding the bulk business settlement in the third quarter of 2009, the loss ratios were 162% and 204% for the three months ended September 30, 2009 and the twelve months ended December 31, 2009, respectively.

⁽⁵⁾ Loss mitigation activities include rescissions, cancellations, borrower loan modifications, repayment plans, lender- and borrower-titled pre-sales and other loan workouts and claim mitigation actions. Estimated savings for rescissions represent the reduction in carried loss reserves, net of premium refunds and reinstatement of prior rescissions. Estimated savings for loan modifications and other cure related loss mitigation actions represent the reduction in carried loss reserves. For non-cure related actions, including pre-sales, the estimated savings represent the difference between the full claim obligation and the actual amount paid.

⁽⁶⁾ Net paid claims and change in reserves include the impact of settlements that the company reached during the second quarter of 2010 with a GSE counterparty regarding certain bulk Alt-A business and with a servicer regarding rescissions.

⁽⁷⁾ Excluding the GSE Alt-A business and the servicer settlements in the second quarter of 2010, the average paid claim was approximately $45,800 in the second quarter of 2010.

⁽⁸⁾ In the first quarter of 2010, the company reached a settlement with a GSE counterparty regarding certain bulk Alt-A business. Net paid claims included $180 million and the change in reserves included a decrease of $185 million related to this settlement.

⁽⁹⁾ Excluding the GSE Alt-A business settlement in the first quarter of 2010, the average paid claim was approximately $49,100 in the first quarter of 2010.

⁽¹⁰⁾ In the third quarter of 2009, the company settled arbitration proceedings with a lender regarding certain bulk transactions related to payment option adjustable rate (“POA”) loans. The settlement resolves prior claims, or pending and anticipated future unpaid claims for coverage benefits under the policies for the POA loans, and the lender's bad faith counterclaims. Net paid claims included $203 million and the change in reserves included a decrease of $108 million related to this settlement.

⁽¹¹⁾ Excluding the settlement in the third quarter of 2009 related to the bulk business, the average paid claim was approximately $47,200 in the third quarter of 2009.

47

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Portfolio Quality Metrics—U.S. Mortgage Insurance

	2010												2009
	4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q
Risk In-force by Credit Quality(1)
Primary by FICO Scores >679		66	%		65	%		65	%		64	%		64	%		64	%		63	%		63	%
Primary by FICO Scores 620-679		27	%		27	%		27	%		28	%		28	%		28	%		29	%		29	%
Primary by FICO Scores 575-619		5	%		6	%		6	%		6	%		6	%		6	%		6	%		6	%
Primary by FICO Scores <575		2	%		2	%		2	%		2	%		2	%		2	%		2	%		2	%
Flow by FICO Scores >679		66	%		65	%		65	%		64	%		64	%		63	%		63	%		63	%
Flow by FICO Scores 620-679		27	%		27	%		27	%		28	%		28	%		29	%		29	%		29	%
Flow by FICO Scores 575-619		5	%		6	%		6	%		6	%		6	%		6	%		6	%		6	%
Flow by FICO Scores <575		2	%		2	%		2	%		2	%		2	%		2	%		2	%		2	%
Bulk by FICO Scores >679		89	%		88	%		88	%		87	%		86	%		85	%		85	%		84	%
Bulk by FICO Scores 620-679		9	%		10	%		10	%		11	%		12	%		13	%		13	%		14	%
Bulk by FICO Scores 575-619		1	%		1	%		1	%		1	%		1	%		1	%		1	%		1	%
Bulk by FICO Scores <575		1	%		1	%		1	%		1	%		1	%		1	%		1	%		1	%
Primary A minus		5	%		5	%		5	%		5	%		5	%		5	%		6	%		6	%
Primary Sub-prime(2)		5	%		5	%		5	%		5	%		5	%		5	%		5	%		5	%
Primary Loans
Primary loans in-force		781,024			802,090			821,617			840,618			890,730			914,770			947,777			973,988
Primary delinquent loans		95,395			98,613			101,759			107,104			122,279			115,430			102,800			92,964
Primary delinquency rate		12.21	%		12.29	%		12.39	%		12.74	%		13.73	%		12.62	%		10.85	%		9.54	%
Flow loans in-force		687,964			705,754			723,301			735,564			753,370			774,000			796,633			826,663
Flow delinquent loans		92,225			95,567			98,771			102,389			107,495			100,208			87,590			79,349
Flow delinquency rate		13.41	%		13.54	%		13.66	%		13.92	%		14.27	%		12.95	%		11.00	%		9.60	%
Bulk loans in-force		93,060			96,336			98,316			105,054			137,360			140,770			151,144			147,325
Bulk delinquent loans		3,170			3,046			2,988			4,715			14,784			15,222			15,210			13,615
Bulk delinquency rate		3.41	%		3.16	%		3.04	%		4.49	%		10.76	%		10.81	%		10.06	%		9.24	%
A minus and sub-prime loans in-force		77,822			80,774			83,859			86,185			89,678			93,344			97,271			101,413
A minus and sub-prime delinquent loans		22,827			23,882			24,867			26,387			29,238			28,151			25,271			23,448
A minus and sub-prime delinquency rate		29.33	%		29.57	%		29.65	%		30.62	%		32.60	%		30.16	%		25.98	%		23.12	%
Pool Loans
Pool loans in-force		17,880			18,759			19,473			19,907			20,370			20,859			21,166			21,870
Pool delinquent loans		989			939			831			783			781			741			632			586
Pool delinquency rate		5.53	%		5.01	%		4.27	%		3.93	%		3.83	%		3.55	%		2.99	%		2.68	%

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

⁽²⁾ Excludes loans classified as A minus.

48

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Portfolio Quality Metrics—U.S. Mortgage Insurance

	December 31, 2010									September 30, 2010									December 31, 2009
	% of  Total Reserves(1)			% of Primary Risk In-force			Primary Delinquency Rate			% of  Total Reserves(1)			% of Primary Risk In-force			Primary Delinquency Rate			% of Primary Risk In-force			Primary Delinquency Rate
By Region
Southeast(2)		34	%		23	%		16.79	%		34	%		23	%		16.94	%		23	%		18.36	%
South Central(3)		14			16			11.00	%		14			16			11.19	%		17			12.42	%
Northeast(4)		10			14			11.66	%		9			14			11.15	%		13			11.60	%
North Central(5)		12			11			11.51	%		11			11			11.52	%		11			12.20	%
Pacific(6)		14			11			14.39	%		15			11			15.13	%		11			19.43	%
Great Lakes(7)		7			9			8.92	%		7			9			8.99	%		9			10.20	%
Plains(8)		3			6			8.14	%		3			6			7.96	%		6			8.29	%
New England(9)		3			5			10.71	%		3			5			11.04	%		5			12.48	%
Mid-Atlantic(10)		3			5			10.67	%		4			5			10.80	%		5			13.08	%
Total		100	%		100	%		12.21	%		100	%		100	%		12.29	%		100	%		13.73	%
By State
Florida		23	%		8	%		28.31	%		24	%		8	%		28.59	%		8	%		30.77	%
Texas		3	%		7	%		8.71	%		3	%		7	%		8.83	%		7	%		9.49	%
New York		4	%		7	%		9.76	%		4	%		7	%		9.34	%		6	%		9.42	%
California		7	%		5	%		13.99	%		7	%		5	%		15.16	%		5	%		21.87	%
Illinois		7	%		5	%		15.79	%		7	%		5	%		15.66	%		5	%		16.40	%
Georgia		4	%		4	%		16.16	%		4	%		4	%		16.88	%		4	%		17.62	%
North Carolina		2	%		4	%		11.23	%		2	%		4	%		11.25	%		4	%		11.73	%
Pennsylvania		2	%		4	%		10.94	%		2	%		4	%		10.48	%		4	%		11.13	%
New Jersey		4	%		4	%		17.30	%		4	%		4	%		16.54	%		4	%		17.35	%
Ohio		2	%		3	%		8.19	%		2	%		3	%		7.83	%		3	%		8.47	%

⁽¹⁾ Total reserves were $2,282 million and $1,973 million as of December 31, 2010 and September 30, 2010, respectively.

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

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

⁽⁴⁾ New Jersey, New York and Pennsylvania

⁽⁵⁾ Illinois, Minnesota, Missouri and Wisconsin

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

⁽⁷⁾ Indiana, Kentucky, Michigan and Ohio

⁽⁸⁾ Idaho, Iowa, Kansas, Montana, Nebraska, North Dakota, South Dakota and Wyoming

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

⁽¹⁰⁾ Delaware, Maryland, Virginia, Washington D.C. and West Virginia

49

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in millions)

Primary Risk In-force:	December 31, 2010		% of Total			September 30, 2010		% of Total			December 31, 2009		% of Total
Lender concentration (by original applicant)	$	29,037				$	29,718				$	31,722
Top 10 lenders		14,647					15,079					15,814
Top 20 lenders		16,729					17,211					18,540
Loan-to-value ratio
95.01% and above	$	7,274		25	%	$	7,435		25	%	$	7,962		25	%
90.01% to 95.00%		10,044		34			10,287		35			10,832		34
80.01% to 90.00%		11,243		39			11,540		39			12,245		39
80.00% and below		476		2			456		1			683		2
Total	$	29,037		100	%	$	29,718		100	%	$	31,722		100	%
Loan grade
Prime	$	26,139		90	%	$	26,705		90	%	$	28,376		89	%
A minus and sub-prime		2,898		10			3,013		10			3,346		11
Total	$	29,037		100	%	$	29,718		100	%	$	31,722		100	%
Loan type(1)
First mortgages
Fixed rate mortgage
Flow	$	27,874		96	%	$	28,539		96	%	$	30,196		95	%
Bulk		517		2			497		2			690		2
Adjustable rate mortgage
Flow		624		2			660		2			755		3
Bulk		22		—			22		—			81		—
Second mortgages		—		—			—		—			—		—
Total	$	29,037		100	%	$	29,718		100	%	$	31,722		100	%
Type of documentation
Alt-A
Flow	$	872		3	%	$	918		3	%	$	1,064		3	%
Bulk		41		—			42		—			244		1
Standard(2)
Flow		27,626		95			28,281		95			29,887		94
Bulk		498		2			477		2			527		2
Total	$	29,037		100	%	$	29,718		100	%	$	31,722		100	%
Mortgage term
15 years and under	$	425		1	%	$	386		1	%	$	367		1	%
More than 15 years		28,612		99			29,332		99			31,355		99
Total	$	29,037		100	%	$	29,718		100	%	$	31,722		100	%

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

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

50

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in millions)

	December 31, 2010
Policy Year	Average Rate(1)			% of  Total Reserves(2)			Primary Insurance  In-force		% of Total			Primary Risk  In-force		% of Total
1999 and prior		7.78	%		0.7	%	$	1,783		1.4	%	$	461		1.6	%
2000		8.28	%		0.2			321		0.3			81		0.3
2001		7.53	%		0.5			1,126		0.9			283		1.0
2002		6.63	%		1.0			2,729		2.2			667		2.3
2003		5.65	%		2.4			10,937		8.7			1,865		6.4
2004		5.88	%		2.6			6,557		5.2			1,477		5.1
2005		5.98	%		13.5			10,523		8.4			2,688		9.3
2006		6.50	%		22.3			14,102		11.2			3,429		11.8
2007		6.58	%		48.9			30,926		24.5			7,611		26.2
2008		6.17	%		7.8			28,642		22.7			7,086		24.4
2009		5.07	%		0.1			8,806		7.0			1,458		5.0
2010		4.66	%		—			9,423		7.5			1,931		6.6
Total		6.14	%		100.0	%	$	125,875		100.0	%	$	29,037		100.0	%

Occupancy and Property Type	December 31, 2010			September 30, 2010
Occupancy Status % of Primary Risk In-force
Primary residence		93.7	%		93.6	%
Second home		3.9			3.9
Non-owner occupied		2.4			2.5
Total		100.0	%		100.0	%
Property Type % of Primary Risk In-force
Single family detached		85.7	%		85.7	%
Condominium and co-operative		11.3			11.3
Multi-family and other		3.0			3.0
Total		100.0	%		100.0	%

⁽¹⁾ Average Annual Mortgage Interest Rate

⁽²⁾ Total reserves were $2,282 million as of December 31, 2010.

51

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Portfolio Quality Metrics—U.S. Mortgage Insurance

(amounts in billions)

	FICO > 679												FICO 620 - 679(1)												FICO < 620												Total
	2010												2010												2010												2010
Primary Risk In-force	4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q			4Q			3Q			2Q			1Q
Total Primary Risk In-force	$	19.1		$	19.4		$	19.7		$	19.8		$	7.8		$	8.1		$	8.4		$	8.6		$	2.1		$	2.2		$	2.2		$	2.3		$	29.0		$	29.7		$	30.3		$	30.7
Delinquency rate(2)		7.6	%		7.6	%		7.7	%		7.9	%		19.4	%		19.4	%		19.3	%		19.7	%		29.9	%		30.0	%		30.1	%		31.0	%		12.2	%		12.3	%		12.4	%		12.7	%
2010 policy year	$	1.8		$	1.3		$	0.8		$	0.3		$	0.1		$	0.1		$	—		$	—		$	—		$	—		$	—		$	—		$	1.9		$	1.4		$	0.8		$	0.3
Delinquency rate		—	%		—	%		—	%		—	%		0.2	%		0.2	%		—	%		0.2	%		1.8	%		—	%		—	%		—	%		0.1	%		—	%		—	%		—	%
2009 policy year	$	1.4		$	1.4		$	1.5		$	1.5		$	0.1		$	0.1		$	0.1		$	0.1		$	—		$	—		$	—		$	—		$	1.5		$	1.5		$	1.6		$	1.6
Delinquency rate		0.3	%		0.3	%		0.2	%		0.2	%		1.6	%		1.3	%		1.3	%		1.2	%		6.9	%		8.8	%		7.9	%		9.2	%		0.4	%		0.3	%		0.3	%		0.2	%
2008 policy year	$	5.4		$	5.7		$	5.9		$	6.0		$	1.4		$	1.4		$	1.5		$	1.5		$	0.3		$	0.3		$	0.3		$	0.3		$	7.1		$	7.4		$	7.7		$	7.8
Delinquency rate		6.5	%		6.2	%		6.0	%		5.7	%		15.2	%		15.3	%		15.2	%		14.8	%		26.8	%		27.1	%		27.7	%		28.2	%		9.0	%		8.8	%		8.6	%		8.3	%
2007 policy year	$	4.3		$	4.4		$	4.6		$	4.8		$	2.5		$	2.6		$	2.7		$	2.8		$	0.8		$	0.9		$	0.9		$	0.9		$	7.6		$	7.9		$	8.2		$	8.5
Delinquency rate		12.9	%		12.9	%		12.8	%		13.3	%		23.7	%		23.7	%		24.0	%		24.7	%		35.1	%		34.9	%		35.4	%		36.5	%		19.0	%		18.9	%		19.1	%		19.6	%
2006 policy year	$	1.8		$	2.0		$	2.0		$	2.2		$	1.2		$	1.2		$	1.3		$	1.3		$	0.4		$	0.4		$	0.4		$	0.4		$	3.4		$	3.6		$	3.7		$	3.9
Delinquency rate		13.5	%		13.2	%		13.1	%		13.2	%		23.1	%		23.4	%		23.1	%		23.5	%		30.3	%		30.6	%		30.3	%		31.9	%		18.4	%		18.3	%		18.1	%		18.5	%
2005 policy year	$	1.6		$	1.6		$	1.7		$	1.7		$	0.9		$	1.0		$	1.0		$	1.0		$	0.2		$	0.2		$	0.2		$	0.2		$	2.7		$	2.8		$	2.9		$	2.9
Delinquency rate		11.7	%		11.6	%		11.5	%		11.5	%		20.8	%		20.9	%		20.5	%		20.9	%		26.2	%		26.7	%		26.6	%		27.0	%		15.9	%		15.9	%		15.7	%		15.8	%
2004 and prior policy years	$	2.8		$	3.0		$	3.2		$	3.3		$	1.6		$	1.7		$	1.8		$	1.9		$	0.4		$	0.4		$	0.4		$	0.5		$	4.8		$	5.1		$	5.4		$	5.7
Delinquency rate		6.2	%		5.8	%		5.6	%		5.6	%		16.5	%		16.1	%		15.7	%		15.9	%		24.9	%		25.2	%		24.9	%		25.2	%		10.5	%		10.2	%		9.9	%		10.0	%
Fixed rate mortgage	$	18.8		$	19.0		$	19.3		$	19.4		$	7.6		$	7.9		$	8.2		$	8.4		$	2.0		$	2.1		$	2.1		$	2.2		$	28.4		$	29.0		$	29.6		$	30.0
Delinquency rate		7.3	%		7.3	%		7.4	%		7.6	%		19.1	%		19.2	%		19.1	%		19.5	%		29.7	%		29.9	%		30.0	%		30.8	%		11.9	%		12.0	%		12.1	%		12.5	%
Adjustable rate mortgage	$	0.3		$	0.4		$	0.4		$	0.4		$	0.2		$	0.2		$	0.2		$	0.2		$	0.1		$	0.1		$	0.1		$	0.1		$	0.6		$	0.7		$	0.7		$	0.7
Delinquency rate		24.8	%		25.1	%		24.0	%		23.5	%		28.4	%		27.8	%		27.4	%		27.8	%		36.7	%		37.3	%		37.5	%		37.7	%		27.1	%		27.1	%		26.4	%		26.2	%
Loan-to-value > 95%	$	3.8		$	3.8		$	3.9		$	4.0		$	2.7		$	2.7		$	2.8		$	2.9		$	0.8		$	0.9		$	0.9		$	0.9		$	7.3		$	7.4		$	7.6		$	7.8
Delinquency rate		9.6	%		9.6	%		9.7	%		9.9	%		22.1	%		22.5	%		22.5	%		22.9	%		33.8	%		34.0	%		34.4	%		35.8	%		17.2	%		17.4	%		17.6	%		18.0	%
Alt-A(3)	$	0.6		$	0.7		$	0.7		$	0.7		$	0.3		$	0.3		$	0.3		$	0.3		$	—		$	—		$	—		$	0.1		$	0.9		$	1.0		$	1.0		$	1.1
Delinquency rate		18.7	%		18.6	%		18.8	%		20.5	%		33.3	%		33.3	%		33.9	%		35.1	%		35.9	%		36.6	%		36.1	%		37.0	%		23.1	%		23.0	%		23.3	%		24.7	%
Interest only and option ARMs	$	1.5		$	1.5		$	1.6		$	1.7		$	0.5		$	0.6		$	0.6		$	0.6		$	0.1		$	0.1		$	0.1		$	0.1		$	2.1		$	2.2		$	2.3		$	2.4
Delinquency rate		27.3	%		27.2	%		26.6	%		26.5	%		38.4	%		38.9	%		39.2	%		39.0	%		43.9	%		45.4	%		44.9	%		45.8	%		30.9	%		31.0	%		30.7	%		30.6	%

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

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

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

52

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(dollar amounts in millions)

	December 31, 2010			September 30, 2010			December 31, 2009
GSE Alt-A
Risk in-force	$	28		$	29		$	295
Average FICO score		732			733			721
Loan-to-value ratio		81	%		81	%		79	%
Standard documentation(1)		11	%		11	%		24	%
Stop loss		100	%		100	%		100	%
Deductible		—	%		—	%		81	%
FHLB
Risk in-force	$	436		$	413		$	391
Average FICO score		753			755			755
Loan-to-value ratio		75	%		75	%		75	%
Standard documentation(1)		97	%		97	%		96	%
Stop loss		93	%		91	%		90	%
Deductible		100	%		100	%		100	%
Other
Risk in-force	$	75		$	77		$	85
Average FICO score		692			692			701
Loan-to-value ratio		92	%		92	%		91	%
Standard documentation(1)		97	%		97	%		96	%
Stop loss		9	%		9	%		9	%
Deductible		—	%		—	%		—	%
Total Bulk Risk In-force	$	539		$	519		$	771

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

53

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

				December 31, 2010						September 30, 2010						June 30, 2010						March 31, 2010
Book Year(2)	Original Book Risk In-force ($B)		Progression To Attachment Point	Current Risk In-force ($B)		Ever-To-Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To-Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To-Date Incurred Losses ($MM)		Captive Benefits ($MM)		Current Risk In-force ($B)		Ever-To-Date Incurred Losses ($MM)		Captive Benefits ($MM)
2004			0%-50%	$	0.1	$	4			$	0.1	$	5			$	0.1	$	8			$	0.2	$	16
2004			50%-75%		0.3		45				0.4		48				0.5		46				0.5		40
2004			75%-99%		0.1		21				0.2		25				0.3		31				0.2		22
2004			Attached		0.3		46				0.1		24				—		9				—		9
2004 Total	$	3.3		$	0.8	$	116	$	4	$	0.8	$	102	$	1	$	0.9	$	94	$	—	$	0.9	$	87	$	—
2005			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1			$	—	$	1
2005			50%-75%		—		—				—		—				—		1				—		—
2005			75%-99%		—		1				—		3				—		3				0.1		7
2005			Attached		1.6		456				1.7		401				1.8		364				1.8		335
2005 Total	$	4.1		$	1.6	$	458		21	$	1.7	$	405		26	$	1.8	$	369		20	$	1.9	$	343		15
2006			0%-50%	$	—	$	1			$	—	$	1			$	—	$	1			$	—	$	1
2006			50%-75%		—		—				—		—				—		1				—		1
2006			75%-99%		—		—				—		1				—		1				—		1
2006			Attached		1.9		675				2.0		591				2.1		532				2.2		511
2006 Total	$	3.7		$	1.9	$	676		15	$	2.0	$	593		14	$	2.1	$	535		12	$	2.2	$	514		9
2007			0%-50%	$	—	$	1			$	—	$	—			$	—	$	—			$	—	$	—
2007			50%-75%		—		—				—		—				—		1				—		1
2007			75%-99%		—		1				—		3				0.1		5				0.1		5
2007			Attached		3.9		1,212				4.1		1,019				4.4		917				4.6		892
2007 Total	$	5.9		$	3.9	$	1,214		3	$	4.1	$	1,022		10	$	4.5	$	923		16	$	4.7	$	898		7
2008			0%-50%	$	0.4	$	9			$	0.6	$	10			$	0.6	$	10			$	0.7	$	8
2008			50%-75%		0.2		6				0.1		3				0.3		12				0.4		16
2008			75%-99%		—		2				—		2				0.2		10				1.0		48
2008			Attached		1.5		156				1.5		118				1.3		83				0.4		28
2008 Total	$	2.8		$	2.1	$	173		15	$	2.2	$	133		16	$	2.4	$	115		7	$	2.5	$	100		3
Captive Benefits In Quarter ($MM)								$	58					$	67					$	55					$	34

⁽¹⁾ Data presented in aggregate for all trusts. Actual trust attachment and exit points will vary by individual lender contract. For purposes of this illustration, ever-to-date incurred losses equal current reserves plus ever-to-date paid claims. The information presented excludes quota share captive reinsurance data. Progress toward captive attachment is determined at a lender level for each book year by dividing ever-to-date incurred losses by original risk in-force for that book year.

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

54

Corporate and Other

55

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Net Operating Income (Loss)—Corporate and Other⁽¹⁾

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	—		$	1		$	1		$	2
Net investment income		56			36			35			9			136			33			25			60			55			173
Net investment gains (losses)		(1	)		25			(68	)		(16	)		(60	)		(21	)		(65	)		(61	)		(162	)		(309	)
Insurance and investment product fees and other		3			7			(3	)		3			10			22			12			41			75			150
Total revenues		58			68			(36	)		(4	)		86			34			(28	)		41			(31	)		16
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			1			—			—			1			—			2			—			—			2
Interest credited		34			38			35			39			146			40			39			79			89			247
Acquisition and operating expenses, net of deferrals		16			(2	)		9			8			31			17			9			15			11			52
Amortization of deferred acquisition costs and intangibles		3			3			4			4			14			4			5			3			5			17
Interest expense		77			77			70			70			294			59			58			66			62			245
Total benefits and expenses		130			117			118			121			486			120			113			163			167			563
LOSS BEFORE INCOME TAXES		(72	)		(49	)		(154	)		(125	)		(400	)		(86	)		(141	)		(122	)		(198	)		(547	)
Benefit for income taxes		(32	)		(14	)		(51	)		(157	)		(254	)		(8	)		(67	)		(17	)		(102	)		(194	)
NET INCOME (LOSS)		(40	)		(35	)		(103	)		32			(146	)		(78	)		(74	)		(105	)		(96	)		(353	)
ADJUSTMENTS TO NET INCOME (LOSS):
Net investment (gains) losses, net of taxes and other adjustments		2			(16	)		42			11			39			16			41			38			106			201
Net tax benefit related to separation from the company’s former parent		—			—			—			(106	)		(106	)		—			—			—			—			—
NET OPERATING INCOME (LOSS)	$	(38	)	$	(51	)	$	(61	)	$	(63	)	$	(213	)	$	(62	)	$	(33	)	$	(67	)	$	10		$	(152	)
Effective tax rate (operating income (loss))		44.0	%		31.2	%		30.6	%		42.1	%		37.2	%		2.8	%		57.4	%		-6.8	%		128.5	%		36.4	%
Guaranteed Investment Contracts, Funding Agreements Backing Notes and Funding Agreements:
Account value, beginning of period	$	4,094		$	4,441		$	4,372		$	4,502		$	4,502		$	5,053		$	5,555		$	6,677		$	8,104		$	8,104
Deposits		262			79			152			—			493			—			—			—			—			—
Surrenders and benefits(2)		(680	)		(477	)		(124	)		(171	)		(1,452	)		(596	)		(553	)		(1,177	)		(1,466	)		(3,792	)
Net flows		(418	)		(398	)		28			(171	)		(959	)		(596	)		(553	)		(1,177	)		(1,466	)		(3,792	)
Interest credited		36			41			43			43			163			45			47			52			61			205
Foreign currency translation		5			10			(2	)		(2	)		11			—			4			3			(22	)		(15	)
Account value, end of period	$	3,717		$	4,094		$	4,441		$	4,372		$	3,717		$	4,502		$	5,053		$	5,555		$	6,677		$	4,502

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

⁽²⁾ The company has included in “surrenders and benefits” the early retirement of institutional contracts at a discount to contract values.

56

Additional Financial Data

57

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Investments Summary

(amounts in millions)

		December 31, 2010					September 30, 2010					June 30, 2010					March 31, 2010					December 31, 2009
		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		$	31,781		45	%	$	32,379		43	%	$	30,044		42	%	$	28,675		41	%	$	27,137		40	%
Private fixed maturity securities			9,239		13			9,458		13			9,254		13			9,397		14			9,231		14
Residential mortgage-backed securities(1)			3,760		5			3,640		5			3,258		4			3,141		5			2,595		4
Commercial mortgage-backed securities			3,361		5			3,379		5			3,428		5			3,457		5			3,433		5
Other asset-backed securities			2,287		3			2,345		3			2,301		3			2,186		3			2,205		3
Tax-exempt			1,026		1			1,263		2			1,341		2			1,415		2			1,521		2
Non-investment grade fixed maturity securities			3,729		5			3,892		5			3,760		5			3,769		5			3,630		5
Equity securities:
Common stocks and mutual funds			215		—			90		—			81		—			82		—			94		—
Preferred stocks			117		—			133		—			118		—			97		—			65		—
Commercial mortgage loans			6,718		9			6,929		9			7,208		10			7,336		10			7,499		11
Restricted commercial mortgage loans related to securitization entities			507		1			522		1			535		1			552		1			—		—
Policy loans			1,471		2			1,480		2			1,467		2			1,408		2			1,403		2
Cash, cash equivalents and short-term investments			3,271		5			3,800		5			4,776		7			4,763		7			6,592		10
Securities lending			772		1			702		1			680		1			593		1			853		1
Other invested assets:	Limited partnerships(2)		340		—			365		—			363		1			371		1			430		1
	Derivatives:
	LTC forward starting swap—cash flow		222		—			821		1			540		1			69		—			73		—
	Other cash flow		205		—			188		—			142		—			101		—			101		—
	Fair value		130		—			147		—			144		—			151		—			156		—
	Equity index options—non-qualified		33		—			61		—			97		—			34		—			39		—
	LTC swaptions—non-qualified		—		—			8		—			4		—			14		—			54		—
	Other non-qualified		457		1			458		1			516		1			490		1			523		1
	Trading portfolio		677		1			701		1			221		—			167		—			174		—
	Counterparty collateral		794		2			1,586		2			1,058		1			628		1			647		1
	Restricted other invested assets related to securitization entities		372		1			378		1			374		1			385		1			—		—
	Other		85		—			81		—			87		—			57		—			62		—
Total invested assets and cash		$	71,569		100	%	$	74,806		100	%	$	71,797		100	%	$	69,338		100	%	$	68,517		100	%
Public Fixed Maturity Securities—Credit Quality:
Rating Agency Designation
AAA		$	15,797		37	%	$	16,138		37	%	$	14,525		36	%	$	13,625		35	%	$	12,516		34	%
AA			4,947		12			5,054		12			4,947		12			4,808		12			4,632		12
A			11,322		26			11,679		27			11,147		27			11,034		28			10,634		29
BBB			8,224		19			8,370		19			7,804		19			7,561		19			7,247		19
BB			1,451		4			1,464		3			1,373		4			1,441		4			1,339		4
B			292		1			348		1			430		1			454		1			414		1
CCC and lower			493		1			477		1			451		1			400		1			376		1
Not rated			—		—			—		—			—		—			—		—			—		—
Total public fixed maturity securities		$	42,526		100	%	$	43,530		100	%	$	40,677		100	%	$	39,323		100	%	$	37,158		100	%
Private Fixed Maturity Securities—Credit Quality:
Rating Agency Designation
AAA		$	1,490		12	%	$	1,589		12	%	$	1,433		11	%	$	1,311		10	%	$	1,271		10	%
AA			929		7			1,010		8			1,170		9			1,134		9			1,021		8
A			4,018		32			4,069		32			3,889		31			3,889		31			3,815		30
BBB			4,727		37			4,555		36			4,711		37			4,909		38			4,986		40
BB			1,077		9			1,185		9			1,135		9			1,184		10			1,247		10
B			259		2			269		2			245		2			151		1			156		1
CCC and lower			157		1			149		1			126		1			139		1			98		1
Total private fixed maturity securities		$	12,657		100	%	$	12,826		100	%	$	12,709		100	%	$	12,717		100	%	$	12,594		100	%
(1)    The company does not have any material exposure to residential mortgage-backed securities collateralized debt obligations (“CDOs”).
(2)    Limited partnerships by type:
Real estate		$	155				$	177				$	165				$	159				$	201
Infrastructure			116					112					114					113					109
Other			69					76					84					99					120
Total limited partnerships		$	340				$	365				$	363				$	371				$	430

58

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Fixed Maturity Securities Summary

(amounts in millions)

	December 31, 2010					September 30, 2010					June 30, 2010					March 31, 2010					December 31, 2009
	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	$	3,705		7	%	$	3,922		7	%	$	3,684		7	%	$	3,029		6	%	$	2,602		5	%
Tax-exempt		1,030		2			1,271		2			1,350		3			1,436		3			1,544		3
Foreign government		2,369		4			2,352		4			2,146		4			2,414		5			2,384		5
U.S. corporate		23,967		43			24,525		44			23,378		44			22,253		43			21,412		43
Foreign corporate		13,498		25			13,815		24			12,799		24			13,151		25			12,551		25
Residential mortgage-backed securities		4,455		8			4,334		8			3,955		7			3,810		7			3,227		7
Commercial mortgage-backed securities		3,743		7			3,757		7			3,726		7			3,693		7			3,617		7
Other asset-backed securities		2,416		4			2,380		4			2,348		4			2,254		4			2,415		5
Total fixed maturity securities	$	55,183		100	%	$	56,356		100	%	$	53,386		100	%	$	52,040		100	%	$	49,752		100	%
Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,025		23	%	$	8,425		23	%	$	8,076		24	%	$	8,440		26	%	$	8,917		28	%
Utilities and energy		7,977		23			8,123		23			7,628		23			7,460		23			7,064		22
Consumer—non-cyclical		4,071		11			4,210		12			4,065		12			3,728		11			3,622		12
Consumer—cyclical		1,760		5			1,808		5			1,791		5			1,559		5			1,456		5
Capital goods		2,163		6			2,107		6			2,028		6			1,990		6			1,997		6
Industrial		1,789		5			1,531		4			1,461		4			1,431		4			1,372		4
Technology and communications		2,192		6			2,221		6			1,909		6			1,925		6			1,876		6
Transportation		1,324		4			1,344		4			1,290		4			1,240		4			1,129		4
Other		5,861		17			6,023		17			5,435		16			5,101		15			4,232		13
Subtotal	$	35,162		100	%	$	35,792		100	%	$	33,683		100	%	$	32,874		100	%	$	31,665		100	%
Non-Investment Grade:
Finance and insurance	$	512		22	%	$	637		25	%	$	647		26	%	$	669		26	%	$	549		24	%
Utilities and energy		242		10			249		10			221		9			240		10			236		10
Consumer—non-cyclical		266		12			282		11			282		11			322		13			340		15
Consumer—cyclical		175		8			202		8			193		8			210		8			181		8
Capital goods		374		16			400		16			388		16			379		15			351		15
Industrial		362		16			400		15			389		16			354		14			347		15
Technology and communications		238		10			240		9			229		9			226		9			167		7
Transportation		97		4			99		4			106		4			77		3			60		3
Other		37		2			39		2			39		1			53		2			67		3
Subtotal	$	2,303		100	%	$	2,548		100	%	$	2,494		100	%	$	2,530		100	%	$	2,298		100	%
Total	$	37,465		100	%	$	38,340		100	%	$	36,177		100	%	$	35,404		100	%	$	33,963		100	%
Fixed Maturity Securities—Contractual Maturity Dates:
Due in one year or less	$	2,707		5	%	$	2,613		4	%	$	2,801		5	%	$	2,660		5	%	$	2,217		4	%
Due after one year through five years		12,423		22			12,562		22			11,696		22			12,582		24			12,400		25
Due after five years through ten years		9,232		17			9,454		17			8,877		17			8,152		16			7,950		16
Due after ten years		20,207		37			21,256		38			19,983		37			18,889		36			17,926		36
Subtotal		44,569		81			45,885		81			43,357		81			42,283		81			40,493		81
Mortgage and asset-backed securities		10,614		19			10,471		19			10,029		19			9,757		19			9,259		19
Total fixed maturity securities	$	55,183		100	%	$	56,356		100	%	$	53,386		100	%	$	52,040		100	%	$	49,752		100	%

59

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Additional Information on Mortgage-backed and Asset-backed Securities by Vintage as of December 31, 2010⁽¹⁾

(amounts in millions)

Mortgage-backed and Asset-backed Securities Collateralized by Sub-prime Residential Mortgage Loans⁽²⁾:

	Fair Value																Net Unrealized Losses
S&P Equivalent Rating	2004 and prior		2005		2006		2007		2008		2009		2010		Total		2004 and prior			2005			2006			2007			2008		2009		2010			Total
AAA	$	44	$	5	$	—	$	—	$	—	$	—	$	—	$	49	$	—		$	(1	)	$	—		$	—		$	—	$	—	$	—		$	(1	)
AA		22		13		—		17		—		—		—		52		(4	)		(1	)		—			(5	)		—		—		—			(10	)
A		10		14		3		—		—		—		—		27		(4	)		(12	)		(1	)		—			—		—		—			(17	)
BBB		15		15		—		—		—		—		—		30		(6	)		(8	)		—			—			—		—		—			(14	)
BB		11		28		—		—		—		—		—		39		(6	)		(7	)		—			—			—		—		—			(13	)
B		4		28		21		—		—		—		—		53		(2	)		(9	)		(6	)		—			—		—		—			(17	)
CCC and lower		25		60		102		20		—		—		—		207		(11	)		(60	)		(64	)		(4	)		—		—		—			(139	)
Total	$	131	$	163	$	126	$	37	$	—	$	—	$	—	$	457	$	(33	)	$	(98	)	$	(71	)	$	(9	)	$	—	$	—	$	—		$	(211	)
Mortgage-backed and Asset-backed Securities Collateralized by Alt-A Residential Mortgage Loans:
	Fair Value																Net Unrealized Losses
S&P Equivalent Rating	2004 and prior		2005		2006		2007		2008		2009		2010		Total		2004 and prior			2005			2006			2007			2008		2009		2010			Total
AAA	$	46	$	14	$	—	$	—	$	—	$	—	$	25	$	85	$	(4	)	$	—		$	—		$	—		$	—	$	—	$	—		$	(4	)
AA		9		—		1		—		—		—		—		10		(1	)		—			(2	)		—			—		—		—			(3	)
A		17		2		1		5		—		—		—		25		(1	)		(2	)		(3	)		—			—		—		—			(6	)
BBB		26		—		3		—		—		—		—		29		(17	)		—			(10	)		—			—		—		—			(27	)
BB		1		4		—		—		—		—		—		5		(5	)		(3	)		—			—			—		—		—			(8	)
B		3		41		9		—		—		—		—		53		(6	)		(20	)		(7	)		—			—		—		—			(33	)
CCC and lower		5		79		45		40		—		—		—		169		(10	)		(57	)		(18	)		(19	)		—		—		—			(104	)
Total	$	107	$	140	$	59	$	45	$	—	$	—	$	25	$	376	$	(44	)	$	(82	)	$	(40	)	$	(19	)	$	—	$	—	$	—		$	(185	)
Commercial Mortgage-backed Securities(3):
	Fair Value																Net Unrealized Losses
S&P Equivalent Rating	2004 and prior		2005		2006		2007		2008		2009		2010		Total		2004 and prior			2005			2006			2007			2008		2009		2010			Total
AAA	$	1,822	$	308	$	314	$	121	$	—	$	27	$	25	$	2,617	$	106		$	6		$	(2	)	$	3		$	—	$	1	$	(1	)	$	113
AA		60		69		103		63		—		—		10		305		(4	)		(3	)		(14	)		(10	)		—		—		—			(31	)
A		42		56		77		59		—		—		—		234		(7	)		(9	)		(10	)		(8	)		—		—		—			(34	)
BBB		67		27		71		40		—		—		—		205		(19	)		(21	)		(14	)		(28	)		—		—		—			(82	)
BB		12		5		56		120		—		—		—		193		(9	)		(12	)		(12	)		(50	)		—		—		—			(83	)
B		12		—		35		18		—		—		—		65		(3	)		—			(7	)		(16	)		—		—		—			(26	)
CCC and lower		32		9		40		43		—		—		—		124		(4	)		(14	)		(9	)		(23	)		—		—		—			(50	)
Total	$	2,047	$	474	$	696	$	464	$	—	$	27	$	35	$	3,743	$	60		$	(53	)	$	(68	)	$	(132	)	$	—	$	1	$	(1	)	$	(193	)

⁽¹⁾ Based on current ratings.

⁽²⁾ The sub-prime securities are principally backed by first lien mortgages. The company does not have a significant exposure to second liens or option adjustable rate mortgages. The company does not have any material exposure to mezzanine CDOs. The company does not have any exposure to net interest margin deals, highly leveraged transactions or CDO-squared investments.

⁽³⁾ As of December 31, 2010, 36% of the commercial mortgage-backed securities related to loans with fixed interest rates and 64% related to loans with floating interest rates. The average original loan-to-value ratio for commercial mortgage-backed securities included in the fixed maturity securities portfolio was 62%.

60

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Commercial Mortgage Loans Summary

(amounts in millions)

	December 31, 2010						September 30, 2010						June 30, 2010						March 31, 2010						December 31, 2009
	Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total			Carrying Amount			% of Total
Geographic Region
Pacific	$	1,769			26	%	$	1,857			27	%	$	1,937			27	%	$	1,966			27	%	$	2,005			27	%
South Atlantic		1,583			23			1,593			23			1,660			23			1,669			23			1,711			23
Middle Atlantic		937			14			935			13			974			13			987			13			1,005			13
East North Central		612			9			657			9			701			10			714			10			728			10
Mountain		540			8			591			9			624			8			640			9			650			9
New England		482			7			484			7			491			7			486			6			492			6
West North Central		369			6			374			5			378			5			385			5			389			5
West South Central		297			4			306			4			314			4			325			4			331			4
East South Central		183			3			189			3			194			3			210			3			230			3
Subtotal		6,772			100	%		6,986			100	%		7,273			100	%		7,382			100	%		7,541			100	%
Allowance for losses		(59	)					(62	)					(70	)					(52	)					(48	)
Unamortized fees and costs		5						5						5						6						6
Total	$	6,718					$	6,929					$	7,208					$	7,336					$	7,499
Property Type
Retail	$	1,974			29	%	$	2,015			29	%	$	2,047			28	%	$	2,074			28	%	$	2,115			28	%
Office		1,850			27			1,897			27			1,971			27			1,991			27			2,025			27
Industrial		1,788			26			1,861			27			1,903			26			1,955			27			1,979			26
Apartments		725			11			776			11			812			11			819			11			832			11
Mixed use/other		435			7			437			6			540			8			543			7			590			8
Subtotal		6,772			100	%		6,986			100	%		7,273			100	%		7,382			100	%		7,541			100	%
Allowance for losses		(59	)					(62	)					(70	)					(52	)					(48	)
Unamortized fees and costs		5						5						5						6						6
Total	$	6,718					$	6,929					$	7,208					$	7,336					$	7,499
Allowance for Losses on Commercial Mortgage Loans
Beginning balance	$	62					$	70					$	52					$	48					$	41
Provision		7						5						18						4						7
Release		(10	)					(13	)					—						—						—
Ending balance	$	59					$	62					$	70					$	52					$	48

61

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Commercial Mortgage Loans Summary

(amounts in millions)

	December 31, 2010						September 30, 2010					June 30, 2010						March 31, 2010					December 31, 2009
Loan Size	Principal Balance			% of Total			Principal Balance		% of Total			Principal Balance			% of Total			Principal Balance		% of Total			Principal Balance			% of Total
Under $5 million	$	2,881			43	%	$	2,928		42	%	$	2,998			41	%	$	3,069		41	%	$	3,146			42	%
$5 million but less than $10 million		1,576			23			1,623		23			1,679			23			1,670		23			1,711			23
$10 million but less than $20 million		1,234			18			1,316		19			1,339			19			1,378		19			1,418			19
$20 million but less than $30 million		299			4			300		4			309			4			311		4			312			4
$30 million and over		786			12			819		12			952			13			954		13			955			12
Subtotal		6,776			100	%		6,986		100	%		7,277			100	%		7,382		100	%		7,542			100	%
Net premium/discount		(4	)					—					(4	)					—					(1	)
Total	$	6,772					$	6,986				$	7,273					$	7,382				$	7,541

Commercial Mortgage Loan Information by Vintage as of December 31, 2010

(loan amounts in millions)

Loan Year	Total Loan Balance		Delinquent Loan Balance		Number of Loans		Number of Delinquent		Average Balance Per Loan		Average Balance Per Delinquent Loan		Average Loan-To-Value(1)
2004 and prior	$	2,169	$	21		908		6	$	2	$	4		51	%
2005		1,458		—		312		—	$	5	$	—		65	%
2006		1,418		9		283		1	$	5	$	9		73	%
2007		1,345		9		193		2	$	7	$	4		79	%
2008		282		11		58		2	$	5	$	5		77	%
2009		—		—		—		—	$	—	$	—		—	%
2010		104		—		17		—	$	6	$	—		58	%
Total	$	6,776	$	50		1,771		11	$	4	$	5		65	%

⁽¹⁾ Represents loan-to-value as of December 31, 2010.

62

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

General Account GAAP Net Investment Income Yields

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	689		$	658		$	646		$	626		$	2,619		$	621		$	610		$	604		$	623		$	2,458
Fixed maturity securities—non-taxable		13			14			16			16			59			22			27			28			30			107
Commercial mortgage loans		93			95			99			104			391			103			106			109			114			432
Restricted commercial mortgage loans related to securitization entities(1)		9			10			10			10			39			—			—			—			—			—
Equity securities		3			4			5			2			14			4			6			3			3			16
Other invested assets		32			23			29			32			116			20			24			26			8			78
Limited partnerships(2)		11			1			10			(34	)		(12	)		—			(20	)		(33	)		(107	)		(160	)
Restricted other invested assets related to securitization entities(1)		—			1			—			1			2			—			—			—			—			—
Policy loans		29			28			28			27			112			28			19			52			44			143
Cash, cash equivalents and short-term investments		6			6			4			5			21			9			9			14			17			49
Gross investment income before expenses and fees		885			840			847			789			3,361			807			781			803			732			3,123
Expenses and fees		(22	)		(25	)		(24	)		(24	)		(95	)		(25	)		(22	)		(22	)		(21	)		(90	)
Net investment income	$	863		$	815		$	823		$	765		$	3,266		$	782		$	759		$	781		$	711		$	3,033
Annualized Yields
Fixed maturity securities—taxable		5.2	%		5.0	%		5.0	%		4.9	%		5.0	%		5.1	%		5.2	%		5.2	%		5.4	%		5.2	%
Fixed maturity securities—non-taxable		4.2	%		4.3	%		4.3	%		4.3	%		4.3	%		4.6	%		4.6	%		4.6	%		4.6	%		4.7	%
Commercial mortgage loans		5.5	%		5.4	%		5.5	%		5.8	%		5.6	%		5.4	%		5.5	%		5.5	%		5.6	%		5.5	%
Restricted commercial mortgage loans related to securitization entities(1)		7.3	%		7.6	%		7.3	%		7.3	%		7.4	%		—	%		—	%		—	%		—	%		—	%
Equity securities		4.0	%		6.8	%		11.8	%		6.6	%		6.7	%		9.5	%		12.8	%		3.6	%		4.6	%		7.0	%
Other invested assets		12.1	%		13.3	%		17.3	%		15.0	%		14.0	%		7.1	%		7.7	%		7.6	%		1.8	%		5.5	%
Limited partnerships(2)		12.3	%		1.0	%		10.6	%		-34.0	%		-3.4	%		-0.1	%		-13.4	%		-21.3	%		-62.1	%		-26.8	%
Restricted other invested assets related to securitization entities(1)		0.3	%		0.3	%		0.3	%		1.0	%		0.5	%		—	%		—	%		—	%		—	%		—	%
Policy loans		8.0	%		7.6	%		7.7	%		7.7	%		7.8	%		8.1	%		4.4	%		10.5	%		9.6	%		8.4	%
Cash, cash equivalents and short-term investments		0.7	%		0.5	%		0.3	%		0.4	%		0.5	%		0.5	%		0.5	%		0.7	%		0.8	%		0.6	%
Gross investment income before expenses and fees		5.1	%		4.8	%		4.9	%		4.6	%		4.9	%		4.7	%		4.5	%		4.7	%		4.2	%		4.5	%
Expenses and fees		-0.1	%		-0.1	%		-0.1	%		-0.2	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%
Net investment income		5.0	%		4.7	%		4.8	%		4.4	%		4.8	%		4.6	%		4.4	%		4.6	%		4.1	%		4.4	%

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

⁽¹⁾ Represents investment income and yields related to restricted commercial mortgage loans and other invested assets required to be consolidated under a new accounting standard effective January 1, 2010.

⁽²⁾ Limited partnership investments are equity-based and do not have fixed returns by period.

63

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

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

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	(1	)	$	3		$	4		$	(6	)	$	—		$	(7	)	$	(13	)	$	(9	)	$	(28	)	$	(57	)
U.S. government, agencies and government-sponsored enterprises		—			1			—			(4	)		(3	)		11			—			—			—			11
Foreign corporate		2			3			16			2			23			8			10			(1	)		(1	)		16
Foreign government		(3	)		3			—			(2	)		(2	)		2			1			1			2			6
Tax-exempt		2			(2	)		(3	)		4			1			20			26			—			1			47
Mortgage-backed securities		(1	)		(7	)		(5	)		(3	)		(16	)		(3	)		4			(2	)		4			3
Asset-backed securities		(6	)		(1	)		—			(1	)		(8	)		—			(4	)		(8	)		—			(12	)
Equity securities		7			—			1			—			8			2			1			1			—			4
Foreign exchange		—			1			(1	)		—			—			(2	)		3			—			—			1
Total net realized gains (losses) on available-for-sale securities		—			1			12			(10	)		3			31			28			(18	)		(22	)		19
Impairments:
Sub-prime residential mortgage-backed securities:
AA		—			—			—			—			—			(2	)		(1	)		—			(11	)		(14	)
A		—			—			—			—			—			(1	)		—			—			(1	)		(2	)
BBB		—			—			—			—			—			(1	)		(2	)		(3	)		(3	)		(9	)
Below BBB		(5	)		(3	)		(1	)		(16	)		(25	)		(25	)		(25	)		(23	)		(33	)		(106	)
Alt-A residential mortgage-backed securities:
AA		—			—			—			—			—			—			—			(6	)		(6	)		(12	)
A		—			—			—			—			—			—			—			(1	)		(18	)		(19	)
BBB		—			—			—			—			—			—			—			—			(1	)		(1	)
Below BBB		(4	)		(9	)		(13	)		(8	)		(34	)		(18	)		(19	)		(11	)		(58	)		(106	)
Total sub-prime and Alt-A residential mortgage-backed securities		(9	)		(12	)		(14	)		(24	)		(59	)		(47	)		(47	)		(44	)		(131	)		(269	)
Prime residential mortgage-backed securities:
AA		—			—			—			—			—			—			—			—			(12	)		(12	)
A		—			—			—			—			—			—			—			(1	)		(8	)		(9	)
BBB		—			—			—			—			—			—			—			—			(3	)		(3	)
Below BBB		(2	)		(4	)		(3	)		(6	)		(15	)		(10	)		(13	)		(18	)		(1	)		(42	)
Other asset-backed securities		—			—			(9	)		(10	)		(19	)		—			—			(2	)		(9	)		(11	)
Commercial mortgage-backed securities:
A		—			—			—			—			—			(1	)		—			—			(9	)		(10	)
BBB		—			—			—			—			—			—			(2	)		—			—			(2	)
Below BBB		(1	)		(2	)		(1	)		(1	)		(5	)		(1	)		(1	)		(6	)		(10	)		(18	)
Corporate fixed maturity securities		(10	)		(6	)		—			(3	)		(19	)		(6	)		(15	)		(1	)		(37	)		(59	)
Financial hybrid securities		—			—			—			(4	)		(4	)		(4	)		(47	)		(4	)		(155	)		(210	)
Retained interest on securitized assets		—			—			—			—			—			—			—			(23	)		—			(23	)
Limited partnerships		—			—			(2	)		(4	)		(6	)		—			—			—			—			—
Equity securities		—			—			—			—			—			—			—			—			(13	)		(13	)
Commercial mortgage loans		(2	)		(1	)		(3	)		—			(6	)		(5	)		(2	)		—			—			(7	)
Total impairments		(24	)		(25	)		(32	)		(52	)		(133	)		(74	)		(127	)		(99	)		(388	)		(688	)
Net unrealized gains (losses) on trading securities		(4	)		14			(2	)		4			12			5			10			7			(8	)		14
Derivative instruments		1			61			(25	)		(5	)		32			6			12			75			(79	)		14
Bank loans		(1	)		1			4			3			7			—			4			4			—			8
Limited partnerships		—			(1	)		(2	)		(1	)		(4	)		(26	)		—			—			—			(26	)
Commercial mortgage loans held-for-sale market valuation allowance		1			(4	)		(13	)		(3	)		(19	)		(5	)		(6	)		(3	)		(4	)		(18	)
Net gains (losses) related to securitization entities(1)		2			20			(31	)		7			(2	)		—			—			—			—			—
Other		—			—			—			11			11			—			—			—			—			—
Net investment gains (losses), net of taxes		(25	)		67			(89	)		(46	)		(93	)		(63	)		(79	)		(34	)		(501	)		(677	)
Adjustment for DAC and other intangible amortization and certain benefit reserves, net of taxes		(1	)		(12	)		13			5			5			10			18			(25	)		18			21
Adjustment for net investment (gains) losses attributable to noncontrolling interests, net of taxes		—			(1	)		—			(1	)		(2	)		(1	)		(1	)		—			—			(2	)
Net investment gains (losses), net of taxes and other adjustments	$	(26	)	$	54		$	(76	)	$	(42	)	$	(90	)	$	(54	)	$	(62	)	$	(59	)	$	(483	)	$	(658	)

⁽¹⁾ Represents net investment gains (losses) related to restricted commercial mortgage loans and other invested assets required to be consolidated under a new accounting standard effective January 1, 2010.

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Reconciliations of Non-GAAP Measures

65

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Reconciliation of Operating ROE

(amounts in millions)

Twelve Month Rolling Average ROE	Twelve months ended
	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended(1)	$	142		$	343		$	279		$	187		$	(460	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)(2)	$	12,494		$	12,499		$	12,363		$	12,149		$	12,038
GAAP Basis ROE (1) divided by (2)		1.1	%		2.7	%		2.3	%		1.5	%		-3.8	%
Operating ROE
Net operating income (loss) for the twelve months ended(1)	$	126		$	355		$	407		$	298		$	198
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)(2)	$	12,494		$	12,499		$	12,363		$	12,149		$	12,038
Operating ROE (1) divided by (2)		1.0	%		2.8	%		3.3	%		2.5	%		1.6	%
Quarterly Average ROE	Three months ended
	December 31, 2010			September 30, 2010			June 30, 2010			March 31, 2010			December 31, 2009
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended(3)	$	(161	)	$	83		$	42		$	178		$	40
Average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)(4)	$	12,444		$	12,559		$	12,572		$	12,492		$	12,417
Annualized GAAP Quarterly Basis ROE (3) divided by (4)		-5.2	%		2.6	%		1.3	%		5.7	%		1.3	%
Operating ROE
Net operating income for the period ended(3)	$	(135	)	$	29		$	118		$	114		$	94
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)(4)	$	12,444		$	12,559		$	12,572		$	12,492		$	12,417
Annualized Operating Quarterly Basis ROE (3) divided by (4)		-4.3	%		0.9	%		3.8	%		3.7	%		3.0	%

Non-GAAP Definition for Operating ROE

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

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

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

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

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

66

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Reconciliation of Expense Ratio

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Basis Expense Ratio
Acquisition and operating expenses, net of deferrals(1)	$	519		$	472		$	499		$	475		$	1,965		$	503		$	484		$	456		$	441		$	1,884
Total revenues(2)	$	2,591		$	2,667		$	2,410		$	2,421		$	10,089		$	2,461		$	2,391		$	2,483		$	1,734		$	9,069
Expense ratio  (1) divided by  (2)		20.0	%		17.7	%		20.7	%		19.6	%		19.5	%		20.4	%		20.2	%		18.4	%		25.4	%		20.8	%
GAAP Basis, As Adjusted—Expense Ratio
Acquisition and operating expenses, net of deferrals	$	519		$	472		$	499		$	475		$	1,965		$	503		$	484		$	456		$	441		$	1,884
Less wealth management business		76			73			72			66			287			64			58			55			52			229
Less lifestyle protection insurance business		143			139			157			154			593			163			169			160			153			645
Adjusted acquisition and operating expenses, net of deferrals(3)	$	300		$	260		$	270		$	255		$	1,085		$	276		$	257		$	241		$	236		$	1,010
Total revenues	$	2,591		$	2,667		$	2,410		$	2,421		$	10,089		$	2,461		$	2,391		$	2,483		$	1,734		$	9,069
Less wealth management business		93			89			89			81			352			77			71			67			63			278
Less lifestyle protection insurance business		259			258			284			311			1,112			326			336			334			305			1,301
Less net investment gains (losses)		(38	)		103			(141	)		(72	)		(148	)		(96	)		(118	)		(53	)		(756	)		(1,023	)
Adjusted total revenues(4)	$	2,277		$	2,217		$	2,178		$	2,101		$	8,773		$	2,154		$	2,102		$	2,135		$	2,122		$	8,513
Adjusted expense ratio  (3) divided by  (4)		13.2	%		11.7	%		12.4	%		12.1	%		12.4	%		12.8	%		12.2	%		11.3	%		11.1	%		11.9	%

Non-GAAP Definition for Expense Ratio

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

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GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Reconciliation of Core Premiums

(amounts in millions)

	2010															2009
	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Reported premiums	$	1,467		$	1,447		$	1,470		$	1,470		$	5,854		$	1,523		$	1,492		$	1,502		$	1,502		$	6,019
Less retirement income—spread-based premiums		45			42			32			36			155			39			30			38			47			154
Less impact of changes in foreign exchange rates		(7	)		(11	)		25			68			75			73			(42	)		(92	)		(120	)		(181	)
Core premiums	$	1,429		$	1,416		$	1,413		$	1,366		$	5,624		$	1,411		$	1,504		$	1,556		$	1,575		$	6,046
Reported premium percentage change from prior year		-3.7	%		-3.0	%		-2.1	%		-2.1	%		-2.7	%		-5.8	%		-14.0	%		-12.1	%		-12.5	%		-11.2	%
Core premium percentage change from prior year		1.3	%		-5.9	%		-9.2	%		-13.3	%		-7.0	%		-12.6	%		-2.2	%		1.2	%		6.1	%		-2.1	%

Non-GAAP Definition for Core Premiums

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

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GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Reconciliation of Core Yield

		2010															2009
	(Assets—amounts in billions)	4Q			3Q			2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	71.6		$	74.8		$	71.8		$	69.3		$	71.6		$	68.5		$	69.1		$	65.2		$	64.5		$	68.5
	Subtract:
	Securities lending		0.8			0.7			0.7			0.6			0.8			0.9			0.9			1.0			1.1			0.9
	Unrealized gains (losses)		1.3			3.8			1.7			(0.9	)		1.3			(1.3	)		(2.0	)		(4.4	)		(7.0	)		(1.3	)
	Derivative counterparty collateral		0.8			1.6			1.1			0.6			0.8			0.6			0.9			0.8			1.2			0.6
	Adjusted end of period invested assets	$	68.7		$	68.7		$	68.3		$	69.0		$	68.7		$	68.3		$	69.3		$	67.8		$	69.2		$	68.3
(A)	Average Invested Assets Used in Reported Yield Calculation	$	68.7		$	68.6		$	68.7		$	68.9		$	68.6		$	68.8		$	68.6		$	68.5		$	70.2		$	69.1
	Subtract:
	Restricted commercial mortgage loans and other invested assets related to securitization entities(1)		0.5			0.5			0.5			0.6			0.6			—			—			—			—			—
(B)	Average Invested Assets Used in Core Yield Calculation		68.2			68.1			68.2			68.3			68.0			68.8			68.6			68.5			70.2			69.1
	Subtract:
	Portfolios supporting floating products and non-recourse funding obligations(2)		9.1			9.4			9.3			9.3			9.2			9.7			10.2			10.7			11.6			10.6
(C)	Average Invested Assets Used in Core Yield (excl. Floating and Non-Recourse Funding) Calculation	$	59.1		$	58.7		$	58.9		$	59.0		$	58.8		$	59.1		$	58.4		$	57.8		$	58.6		$	58.5
	(Income—amounts in millions)
(D)	Reported—Net Investment Income	$	863		$	815		$	823		$	765		$	3,266		$	782		$	759		$	781		$	711		$	3,033
	Subtract:
	Bond calls and commercial mortgage loan prepayments		13			8			—			7			28			3			8			4			11			26
	Reinsurance(3)		20			14			21			29			84			15			22			26			8			71
	Other non-core items(4)		31			6			7			—			44			14			(5	)		1			4			14
	Restricted commercial mortgage loans and other invested assets related to securitization entities(1)		7			7			7			8			29			—			—			—			—			—
(E)	Core Net Investment Income		792			780			788			721			3,081			750			734			750			688			2,922
	Subtract:
	Investment income from portfolios supporting floating products and non-recourse funding obligations(2)		33			34			28			2			97			16			22			29			23			90
(F)	Core Net Investment Income (excl. Floating and Non-Recourse Funding)	$	759		$	746		$	760		$	719		$	2,984		$	734		$	712		$	721		$	665		$	2,832
(D) / (A)	Reported Yield		5.02	%		4.75	%		4.79	%		4.44	%		4.76	%		4.55	%		4.43	%		4.56	%		4.05	%		4.39	%
(E) / (B)	Core Yield		4.65	%		4.58	%		4.62	%		4.22	%		4.52	%		4.36	%		4.28	%		4.38	%		3.92	%		4.23	%
(F) / (C)	Core Yield (excl. Floating and Non-Recourse Funding)		5.14	%		5.08	%		5.16	%		4.87	%		5.07	%		4.97	%		4.88	%		4.99	%		4.54	%		4.84	%

Notes: Columns may not add due to rounding.

Yields have been annualized.

Non-GAAP Definition for Core Yield

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

⁽¹⁾ Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets required to be consolidated under a new accounting standard effective January 1, 2010.

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

⁽³⁾ Represents imputed investment income related to a reinsurance agreement in the lifestyle protection insurance business. Includes a $17 million reclassification adjustment in the second quarter of 2009 to interest expense related to the reinsurance arrangements accounted for under the deposit method as these arrangements were in a loss position.

⁽⁴⁾ Includes mark-to-market adjustment on assets supporting executive deferred compensation and various other immaterial items.

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Corporate Information

70

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Industry Ratings

The company’s principal life insurance subsidiaries are rated by Standard & Poor's Financial Services LLC (“S&P”), Moody’s Investors Service, Inc. (“Moody's”), A.M. Best Company, Inc. (“A.M. Best”) and Fitch Ratings (“Fitch”) as follows:

Company	S&P	Moody’s	A.M. Best	Fitch
Genworth Life Insurance Company	A	A2	A	A-
Genworth Life Insurance Company (short-term rating)	A-1	P-1	Not rated	Not rated
Genworth Life and Annuity Insurance Company	A	A2	A	A-
Genworth Life and Annuity Insurance Company (short-term rating)	A-1	P-1	Not rated	Not rated
Genworth Life Insurance Company of New York	A	A2	A	A-
Continental Life Insurance Company of Brentwood, Tennessee	Not rated	Not rated	A-	A-
American Continental Insurance Company	Not rated	Not rated	A-	Not rated
The company's principal mortgage insurance subsidiaries are rated by S&P and Moody’s as follows:
Company	S&P	Moody’s
Genworth Mortgage Insurance Corporation	BBB-	Baa2
Genworth Financial Mortgage Insurance Pty. Limited (Australia)	AA-	A1
Genworth Financial Mortgage Insurance Limited (Europe)	BBB	Baa3
Genworth Residential Mortgage Insurance Corporation of NC	BBB-	Baa2
Genworth Financial Mortgage Insurance Company Canada(1)	AA-	Not rated
Genworth Seguros de Credito a la Vivienda S.A. de C.V.	mxAA	Aa3.mx
The company’s principal lifestyle protection insurance subsidiaries are rated by S&P as follows:
Company	S&P
Financial Assurance Company Limited	A-
Financial Insurance Company Limited	A-

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

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

71

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

FOURTH QUARTER 2010

Industry Ratings (continued)

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

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

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

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

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

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

About Genworth Financial

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

Inquiries:

Alicia Charity, 804-662-2248

Alicia.Charity@genworth.com

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