8-K

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 8-K

CURRENT REPORT

PURSUANT TO SECTION 13 OR 15(d)

OF THE SECURITIES EXCHANGE ACT OF 1934

August 1, 2017

Date of Report

(Date of earliest event reported)

GENWORTH FINANCIAL, INC.

(Exact name of registrant as specified in its charter)

Delaware	001-32195	80-0873306
(State or other jurisdiction of incorporation)	(Commission File Number)	(I.R.S. Employer Identification No.)
6620 West Broad Street, Richmond, VA		23230
(Address of principal executive offices)		(Zip Code)

(804) 281-6000

(Registrant’s telephone number, including area code)

N/A

(Former name or former address, if changed since last report)

Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2 below):

☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐ Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).

Emerging growth company  ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.  ☐

Item 2.02 Results of Operations and Financial Condition.

On August 1, 2017, Genworth Financial, Inc. (the “Company”) issued (1) a press release announcing its financial results for the quarter ended June 30, 2017, a copy of which is attached hereto as Exhibit 99.1 and is incorporated herein by reference, and (2) a financial supplement for the quarter ended June 30, 2017, a copy of which is attached hereto as Exhibit 99.2 and is incorporated herein by reference.

Item 7.01 Regulation FD Disclosure

On August 1, 2017, the Company also issued its Second Quarter 2017 earnings summary presentation, a copy of which is attached hereto as Exhibit 99.3 and is incorporated herein by reference.

The press release, the financial supplement and the earnings summary presentation are also available on the Company’s website, www.genworth.com, under the “Investors” section.

The information furnished pursuant to Items 2.02 and 7.01, including Exhibits 99.1, 99.2 and 99.3, shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934 (the “Exchange Act”) or otherwise subject to the liabilities under that Section and shall not be deemed to be incorporated by reference into any filing of the company under the Securities Act of 1933, as amended or the Exchange Act, except as shall be expressly set forth by specific reference in such filing. The information contained in this Current Report on Form 8-K shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended, or the Exchange Act, except as shall be expressly set forth by specific reference in any such filing.

Item 9.01 Financial Statements and Exhibits.

The following materials are furnished as exhibits to this Current Report on Form 8-K:

Exhibit Number	Description of Exhibit
99.1	Press Release dated August 1, 2017.
99.2	Financial Supplement for the quarter ended June 30, 2017.
99.3	Second Quarter 2017 Earnings Summary Presentation issued August 1, 2017.

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SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

	GENWORTH FINANCIAL, INC.
Date: August 1, 2017	By:	/s/ Matthew D. Farney
		Matthew D. Farney
		Vice President and Controller
		(Principal Accounting Officer)

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Exhibit Index

Exhibit Number	Description of Exhibit
99.1	Press Release dated August 1, 2017.
99.2	Financial Supplement for the quarter ended June 30, 2017.
99.3	Second Quarter 2017 Earnings Summary Presentation issued August 1, 2017.

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EX-99.1

Exhibit 99.1

Genworth Financial Announces Second Quarter 2017 Results

Net Income Of $202 Million, Up 17 Percent Compared To Prior Year;

Adjusted Operating Income Of $151 Million, Up 23 Percent Compared To Prior Year

• Merger Agreement Deadline With China Oceanwide Holdings Group Co., Ltd. (Oceanwide) Extended to November 30, 2017

• Additional Progress Made On U.S. Life Restructuring Plan With The Remaining Internal Reinsurance Transactions Completed Effective July 1, 2017

• U.S. Mortgage Insurance (MI) Second Quarter 2017 Adjusted Operating Earnings¹ Increased 49% Compared To The Second Quarter Of 2016, Which Includes A Favorable $10 Million Reserve Adjustment In The Current Quarter

• Strong Loss Ratio And Capital Levels In The Second Quarter For U.S. MI And Canada MI

• Net Income² Included $51 Million Of Investment Gains, Net Of Taxes And Other Adjustments, Related To Fixed Income Tenders And Derivative Gains

• Holding Company Cash And Liquid Assets Of Approximately $860 Million

Richmond, VA (August 1, 2017) – Genworth Financial, Inc. (NYSE: GNW) today reported results for the quarter ended June 30, 2017. The company reported net income of $202 million, or $0.40 per diluted share, in the second quarter of 2017, up 17 percent as compared with net income of $172 million, or $0.34 per diluted share, in the second quarter of 2016. The adjusted operating income for the second quarter of 2017 was $151 million, or $0.30 per diluted share, up 23 percent as compared with adjusted operating income of $123 million, or $0.25 per diluted share, in the second quarter of 2016.

¹  This is a financial measure that is not calculated based on U.S. Generally Accepted Accounting Principles (Non-GAAP). See the Use of Non-GAAP Measures section of this press release for additional information.

²  Unless otherwise stated, all references in this press release to net income (loss), net income (loss) per share, adjusted operating income (loss), adjusted operating income (loss) per share and book value per share should be read as net income (loss) available to Genworth’s common stockholders, net income (loss) available to Genworth’s common stockholders per diluted share, adjusted operating income (loss) available to Genworth’s common stockholders, adjusted operating income (loss) available to Genworth’s common stockholders per diluted share and book value available to Genworth’s common stockholders per share, respectively.

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Strategic Update

Genworth and Oceanwide continue to work diligently to satisfy the closing conditions under their previously announced proposed transaction and are committed to closing the transaction as soon as possible.

Since the end of the first quarter, the two companies reported the following progress toward completing the transaction:

• On July 13, 2017, Genworth and Oceanwide withdrew and refiled their joint voluntary notice to the Committee on Foreign Investment in the United States (CFIUS) for a second time to provide CFIUS more time to review and discuss the proposed transaction. CFIUS’ acceptance of the refiled joint voluntary notice commenced a new 30-day review period, which may be followed by an additional 45-day investigation period.

• Effective July 1, 2017, Genworth completed the remaining internal reinsurance and recapture transactions required under the Oceanwide merger agreement. We expect these transactions to create a 15 to 20 point decline in consolidated risk-based capital (RBC) ratio from a reduction in covariance benefit.

In addition to clearance by CFIUS, the closing of the proposed transaction remains subject to the receipt of required regulatory approvals in the U.S., China, and other international jurisdictions and other closing conditions. Genworth and Oceanwide continue to be actively engaged with the relevant regulators regarding the pending applications.

Because the timing of the regulatory reviews will delay the completion of the transaction beyond the originally targeted time frame of the middle of 2017, Genworth and Oceanwide have agreed in principle to extend the August 31, 2017, deadline set forth in the merger agreement to November 30, 2017, with the associated documentation expected to be finalized in the near term. Genworth and Oceanwide remain committed to satisfying the closing conditions under the merger agreement as soon as possible and now anticipate that the transaction will be completed during the fourth quarter of 2017, subject to receipt of the required regulatory approvals.

“Genworth strongly believes the pending transaction with Oceanwide is the best option for our shareholders, policyholders and other stakeholders,” said Tom McInerney, president and CEO of Genworth. “The transaction will strengthen Genworth’s financial position in the mortgage insurance and long term care insurance markets. Because of our leadership role in the long term care insurance industry, the merger also has implications for our nation’s ability to finance burgeoning long term care costs. As a result of the merger, Genworth will be in a better position to support the market and help the government and taxpayers shoulder the burden of long term care financing.”

Added LU Zhiqiang, chairman of Oceanwide: “I remain committed to satisfying the closing conditions under the merger agreement as soon as possible. I believe the merger will strengthen Genworth and its leadership role in mortgage insurance and the U.S. long term care insurance market, and allow us to bring best practices from the recognized leader in long term care insurance to China as we expand our long term care insurance capabilities and work together to address a common challenge for our aging populations.”

Meanwhile, Genworth continues to make substantial progress on its stated strategic goals, including maximizing opportunities in its mortgage insurance businesses, achieving significant long term care insurance premium rate increases consistent with its multi-year plan and restructuring its U.S. life insurance businesses.

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Financial Performance

Consolidated Net Income &
Adjusted Operating Income
	Three months ended June 30
	(Unaudited)
	2017				2016
			Per				Per
			diluted				diluted		Total
(Amounts in millions, except per share)	Total		share		Total		share		% change
Net Income available to Genworth’s common stockholders	$	202	$	0.40	$	172	$	0.34		17	%
Adjusted operating income	$	151	$	0.30	$	123	$	0.25		23	%
Weighted-average diluted shares		501.2				500.4

	Three months ended June 30
	(Unaudited)
	2017			2016
Book value per share		$	26.08		$	30.37
Book value per share, excluding accumulated other comprehensive income		$	19.88		$	20.16

Net income in the second quarter of 2017 benefited from net investment gains, net of taxes and other adjustments, of $51 million in the quarter. Net income in the second quarter of 2016 benefited from net investment gains, net of taxes and other adjustments, of $25 million.

Net investment income was $801 million in the quarter, up from $790 million in the prior quarter and $779 million in the prior year. Net investment income continues to reflect variability in prepayment speed adjustments related to residential mortgage-backed securities and other variable investment income. The reported yield and the core yield¹ for the quarter were 4.57 percent and 4.47 percent, respectively.

Adjusted operating income (loss) results by business line are summarized in the table below:

Adjusted Operating Income (Loss)
(Amounts in millions)	Q2 17			Q1 17			Q2 16
U.S. Mortgage Insurance	$	91		$	73		$	61
Canada Mortgage Insurance		41			36			38
Australia Mortgage Insurance		12			13			15
U.S. Life Insurance		39			53			55
Runoff		11			14			6
Corporate and Other		(43	)		(46	)		(52	)
Total Adjusted Operating Income	$	151		$	143		$	123

Adjusted operating income (loss) represents income (loss) from continuing operations excluding net investment gains (losses), gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions, restructuring costs and other adjustments, net of taxes. A reconciliation of net income (loss) to adjusted operating income (loss) of segments and Corporate and Other activities is included at the end of this press release.

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Unless specifically noted in the discussion of results for the MI businesses in Canada and Australia, references to percentage changes exclude the impact of translating foreign denominated activity into U.S. dollars (foreign exchange). Percentage changes, which include the impact of foreign exchange, are found in a table at the end of this press release.

U.S. Mortgage Insurance

Operating Metrics
(Dollar amounts in millions)	Q2 17			Q1 17			Q2 16
Adjusted operating income	$	91		$	73		$	61
New insurance written
Primary Flow	$	9,800		$	7,600		$	11,400
Loss ratio		2	%		17	%		24	%

U.S. MI reported adjusted operating income of $91 million, compared with $73 million in the prior quarter and $61 million in the prior year. The loss ratio in the current quarter was two percent, down 15 points sequentially and down 22 points from the prior year. During the quarter, the company made a favorable reserve adjustment of $10 million after-tax primarily associated with lower expected claim rates on existing delinquencies, which benefited the loss ratio by eight points.

Flow New Insurance Written (NIW) of $9.8 billion increased 29 percent from the prior quarter from a seasonally larger purchase originations market, but decreased 14 percent versus the prior year primarily from lower originations and a decline in market share. U.S. MI’s flow insurance in force increased 12 percent in the second quarter of 2017 versus the second quarter of 2016 driven primarily by strong NIW and continued elevated persistency.

Canada Mortgage Insurance

Operating Metrics
(Dollar amounts in millions)	Q2 17			Q1 17			Q2 16
Adjusted operating income	$	41		$	36		$	38
New insurance written
Flow	$	3,700		$	2,300		$	4,400
Bulk	$	800		$	8,000		$	19,700
Loss ratio		4	%		16	%		20	%

Canada MI reported adjusted operating income of $41 million versus $36 million in the prior quarter and $38 million in the prior year. The loss ratio in the quarter was four percent, down 12 points from the prior quarter and down 16 points compared to the prior year from a decrease in new delinquencies and strong cure activity reflecting the ongoing housing market strength and underlying economic conditions. New delinquencies, net of cures, were down in all regions sequentially and versus the prior year.

Flow NIW was up 65 percent³ sequentially primarily from a seasonally larger originations market and down 14 percent³ from the prior year primarily from a smaller market size from regulatory changes introduced in late 2016. Effective March 17, 2017, Canada MI increased its flow mortgage insurance premium rates for new insured mortgages by approximately 20 percent to reflect the updated regulatory capital framework that came into effect on January 1, 2017. Bulk NIW decreased versus the prior quarter and prior year as a result of regulatory changes introduced in 2016.

³  Percent change excludes the impact of foreign exchange.

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Australia Mortgage Insurance

Operating Metrics
(Dollar amounts in millions)	Q2 17			Q1 17			Q2 16
Adjusted operating income	$	12		$	13		$	15
New insurance written
Flow	$	4,100		$	4,100		$	5,000
Bulk	$	600		$	1,000		$	800
Loss ratio		34	%		35	%		36	%

Australia MI reported adjusted operating income of $12 million versus $13 million in the prior quarter and $15 million in the prior year. The loss ratio in the quarter was 34%, down one point sequentially and down two points from the prior year primarily from non-reinsurance recoveries on paid claims in the current quarter which favorably impacted the loss ratio by eight points. Without the impact of these recoveries, the loss ratio would have been higher sequentially from an increase in new delinquencies, net of cures, in the commodity dependent regions of Queensland and Western Australia as well as higher than the prior year from less favorable delinquency aging.

Flow NIW was flat sequentially and down 18 percent³ from the prior year primarily from lower market penetration attributable to a change in customer mix.

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U.S. Life Insurance

Operating Metrics
(Amounts in millions)	Q2 17			Q1 17		Q2 16
Adjusted operating income (loss)
Long Term Care Insurance	$	33		$	14	$	37
Life Insurance		(1	)		16		31
Fixed Annuities		7			23		(13	)
Total U.S. Life Insurance	$	39		$	53	$	55
Sales
Long Term Care Insurance
Individual	$	2		$	2	$	4
Group		1			1		2
Life Insurance
Term Life		—			—		2
Universal Life		—			1		1
Linked Benefits		—			—		1
Fixed Annuities		1			2		9

Long Term Care Insurance

Long Term Care Insurance (LTC) reported adjusted operating income of $33 million, compared with $14 million in the prior quarter and $37 million in the prior year. Compared to the prior quarter, results reflected higher premiums and higher reserve releases from reduced benefit elections by in-force policyholders, partially offset by less favorable existing claims experience. Results in the quarter were favorably impacted by reserve corrections, net of profits followed by losses reserves, associated with recorded initial claim dates of $13 million after-tax. Prior quarter results included an unfavorable accrual for state guaranty fund assessments of $14 million after-tax relating to the Penn Treaty plan of liquidation. Results versus the prior year reflected continued growth of new claims, partially offset by improved existing claims experience. Prior year results also included $29 million of after-tax unfavorable items.

Life Insurance

Life insurance reported an adjusted operating loss of $1 million, compared with adjusted operating income of $16 million in the prior quarter and $31 million in the prior year. Compared to the prior quarter, results reflected higher lapses and accelerated amortization of deferred acquisition costs (DAC) primarily associated with large 15-year and 20-year term life insurance blocks entering their post-level premium periods and modestly improved mortality. Results versus the prior year reflect higher reserve and DAC impacts associated with the fourth quarter of 2016 assumption review, unfavorable mortality and higher DAC amortization from lapses partially offset by higher variable investment income. Results in the quarter included a negative impact of $14 million after-tax, which was the net effect of a charge from model corrections related to updating mortality tables for term conversion policies that was partially offset by a net favorable refinement related to reinsurance rates.

Fixed Annuities

Fixed annuities reported adjusted operating income of $7 million, compared with $23 million in the prior quarter and an adjusted operating loss of $13 million in the prior year. Results in the quarter included a $10 million

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after-tax charge from loss recognition testing on the single premium immediate annuity block related to lower interest rates. Results in the quarter also reflected unfavorable mortality versus the prior quarter. Prior year results included $28 million of after-tax unfavorable items.

Runoff

Runoff reported adjusted operating income of $11 million compared with $14 million in the prior quarter and $6 million in the prior year. Results varied from the prior quarter due to unfavorable mortality in the corporate-owned life insurance (COLI) products while benefitting from favorable equity market performance versus the prior year.

Corporate And Other

Corporate and Other reported an adjusted operating loss of $43 million, compared with $46 million in the prior quarter and $52 million in the prior year. Results in the current quarter include favorable tax benefits of $7 million, the majority of which is expected to reverse in the second half of 2017 due to the timing of when tax items are recorded. Prior quarter results reflected a correction to our GE Tax Matters Agreement liability.

Capital & Liquidity

Genworth maintains the following capital positions in its operating subsidiaries:

Key Capital & Liquidity Metrics
(Dollar amounts in millions)	Q2 17			Q1 17			Q2 16
U.S. MI
Consolidated Risk-To-Capital Ratio4		13.0:1			13.6:1			15.0:1
Genworth Mortgage Insurance Corporation Risk-To-Capital Ratio4		13.1:1			13.7:1			15.1:1
Private Mortgage Insurer Eligibility Requirements (PMIERs) Sufficiency Ratio5		122	%		118	%		115	%
Canada MI
Minimum Capital Test (MCT) Ratio4		167	%		162	%		233	%
Australia MI
Prescribed Capital Amount (PCA) Ratio4		181	%		171	%		156	%
U.S. Life Insurance Companies
Consolidated Risk-Based Capital (RBC) Ratio4		330	%		326	%		379	%
Holding Company Cash6 and Liquid Assets7	$	858		$	999		$	934

Key Points

• U.S. MI’s PMIERs sufficiency ratio increased in the quarter to 122 percent primarily from an increase in operating cash flows;

⁴  Company estimate for the second quarter of 2017, due to timing of the filing of statutory statements; The MCT Ratio for Canada MI in the second and first quarters of 2017 reflects the new regulatory framework effective January 1, 2017. The Consolidated RBC Ratio for the U.S. Life Insurance companies in the second quarter of 2016 is restated to reflect the merger of Brookfield Life Annuity Insurance Company with and into Genworth Life Insurance Company as if the merger occurred January 1, 2015.

⁵  Calculated as available assets divided by required assets as defined within PMIERs. As of June 30, 2017, March 31, 2017, and June 30, 2016, the PMIERs sufficiency ratios were in excess of approximately $500 million, $400 million and $350 million, respectively, of available assets above the PMIERs requirements. Company estimate for the second quarter of 2017.

⁶  Holding company cash and liquid assets comprises assets held in Genworth Holdings, Inc. (the issuer of outstanding public debt) which is a wholly-owned subsidiary of Genworth Financial, Inc.

⁷  Comprises cash and cash equivalents of $758 million, $849 million and $834 million, respectively, and U.S. government bonds of $100 million, $150 million and $100 million, respectively, as of June 30, 2017, March 31, 2017 and June 30, 2016.

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• Canada MI’s MCT ratio as of June 30, 2017 is estimated to be 167 percent, above both the regulatory minimum requirement of 150 percent and a target range of 160 to 165 percent;

• Australia MI’s capital levels improved sequentially to 181 percent driven primarily by continued portfolio seasoning;

• The holding company ended the quarter with $858 million of cash and liquid assets, representing a buffer of approximately $460 million in excess of restricted cash and liquid assets and one and a half times annual debt service; and

• $175 million of holding company cash is committed to facilitate the separation and isolation of the LTC business.

About Genworth Financial

Genworth Financial, Inc. (NYSE: GNW) is a Fortune 500 insurance holding company committed to helping families achieve the dream of homeownership and address the financial challenges of aging through its leadership positions in mortgage insurance and long term care insurance. Headquartered in Richmond, Virginia, Genworth traces its roots back to 1871 and became a public company in 2004. For more information, visit genworth.com.

From time to time, Genworth releases important information via postings on its corporate website. Accordingly, investors and other interested parties are encouraged to enroll to receive automatic email alerts and Really Simple Syndication (RSS) feeds regarding new postings. Enrollment information is found under the “Investors” section of genworth.com. From time to time, Genworth’s publicly traded subsidiaries, Genworth MI Canada Inc. and Genworth Mortgage Insurance Australia Limited, separately release financial and other information about their operations. This information can be found at http://genworth.ca and http://www.genworth.com.au.

Financial Supplement Information

This press release, second quarter 2017 financial supplement and earnings presentation are now posted on the company’s website. Investors are encouraged to review these materials. Due to the pending sale to Oceanwide, the company does not plan to host an earnings call.

Use of Non-GAAP Measures

This press release includes the non-GAAP financial measures entitled “adjusted operating income (loss)” and “adjusted operating income (loss) per share.” Adjusted operating income (loss) per share is derived from adjusted operating income (loss). The chief operating decision maker evaluates segment performance and allocates resources on the basis of adjusted operating income (loss). The company defines adjusted operating income (loss) as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions, restructuring costs and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for certain blocks of business. The company excludes net investment gains (losses) and

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infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A component of the company’s net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from adjusted operating income (loss) because, in the company’s opinion, they are not indicative of overall operating trends. Infrequent or unusual non-operating items are also excluded from adjusted 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’s common stockholders in accordance with GAAP, the company believes that adjusted operating income (loss) and measures that are derived from or incorporate adjusted operating income (loss), including adjusted operating income (loss) per share on a basic and diluted basis, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses adjusted operating income (loss) as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from adjusted operating income (loss) have occurred in the past and could, and in some cases will, recur in the future. Adjusted operating income (loss) and adjusted operating income (loss) per share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth’s common stockholders or net income (loss) available to Genworth’s common stockholders per share on a basic and diluted basis determined in accordance with GAAP. In addition, the company’s definition of adjusted operating income (loss) may differ from the definitions used by other companies.

Adjustments to reconcile net income (loss) attributable to Genworth’s common stockholders and adjusted operating income (loss) assume a 35 percent tax rate (unless otherwise indicated) and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for DAC and other intangible amortization and certain benefit reserves.

In June 2016, the company completed the sale of its term life insurance new business platform and recorded a pre-tax gain of $12 million. In May 2016, the company completed the sale of its mortgage insurance business in Europe and recorded an additional pre-tax loss of $2 million. These transactions were excluded from adjusted operating income (loss) for the periods presented as they related to a gain (loss) on the sale of businesses.

In June 2016, the company settled restricted borrowings of $70 million related to a securitization entity and recorded a $64 million pre-tax gain related to the early extinguishment of debt. This transaction was excluded from adjusted operating income (loss) for the periods presented as it related to a gain (loss) on the early extinguishment of debt.

In the first quarter of 2017, the company recorded a pre-tax expense of $1 million related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses. In the second quarter of 2016, the company also recorded a pre-tax expense of $5 million related to restructuring costs.

There were no infrequent or unusual items excluded from adjusted operating income (loss) during the periods presented.

The tables at the end of this press release provide a reconciliation of net income available to Genworth’s common stockholders to adjusted operating income for the three months ended June 30, 2017 and 2016, as well as for the three months ended March 31, 2017, and reflect adjusted operating income as determined in accordance with accounting guidance related to segment reporting.

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This press release includes the non-GAAP financial measure entitled “core yield” as a measure of investment yield. The company defines core yield as the investment yield adjusted for items that do not reflect the underlying performance of the investment portfolio. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield is not a substitute for investment yield determined in accordance with GAAP. In addition, the company’s definition of core yield may differ from the definitions used by other companies. A reconciliation of core yield to reported GAAP yield is included in a table at the end of this press release.

Definition of Selected Operating Performance Measures

The company reports selected operating performance measures including “sales” and “insurance in force” or “risk in force” which are commonly used in the insurance industry as measures of operating performance.

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

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

An assumed tax rate of 35 percent is utilized in certain adjustments to adjusted operating income (loss) and in the explanation of specific variances of operating performance and investment results.

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

Cautionary Note Regarding Forward-Looking Statements

This press release contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “seeks,” “estimates,” “will” or words of similar meaning and include, but are not limited to, statements regarding the outlook for the company’s future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including, but not limited to, the following:

• risks related to the proposed transaction with China Oceanwide Holdings Group Co., Ltd. (Oceanwide) including: the company’s inability to complete the transaction in a timely manner or at all; the parties’ inability to obtain regulatory approvals, or the possibility that the parties may delay the transaction or that materially burdensome or adverse regulatory conditions may be imposed in connection with any such

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regulatory approvals; existing and potential legal proceedings may be instituted against the company in connection with the announcement of the transaction that may delay the transaction, make it more costly or ultimately preclude it; the risk that the proposed transaction disrupts the company’s current plans and operations as a result of the announcement and consummation of the transaction; certain restrictions during the pendency of the transaction that may impact the company’s ability to pursue certain business opportunities or strategic transactions; continued availability of capital and financing to the company before, or in the absence of, the consummation of the transaction; further rating agency actions and downgrades in debt or the company’s financial strength ratings; changes in applicable laws or regulations; the company’s ability to recognize the anticipated benefits of the transaction; the amount of the costs, fees, expenses and other charges related to the transaction; the risks related to diverting management’s attention from the company’s ongoing business operations; the merger agreement may be terminated in circumstances that would require the company to pay Oceanwide a fee; the company’s ability to attract, recruit, retain and motivate current and prospective employees may be adversely affected; and disruptions and uncertainty relating to the transaction, whether or not it is completed, may harm the company’s relationships with its employees, customers, distributors, vendors or other business partners, and may result in a negative impact on the company’s business;

• strategic risks in the event the proposed transaction with Oceanwide is not consummated including: the company’s inability to successfully execute alternative strategic plans to effectively address its current business challenges (including with respect to the restructuring of its U.S. life insurance businesses, debt obligations, cost savings, ratings and capital); the company’s ability to continue to sell long term care insurance policies, the company’s inability to attract buyers for any businesses or other assets it may seek to sell, or securities it may seek to issue, in each case, in a timely manner and on anticipated terms; failure to obtain any required regulatory, stockholder and/or noteholder approvals or consents for such alternative strategic plans, or the company’s challenges changing or being more costly or difficult to successfully address than currently anticipated or the benefits achieved being less than anticipated; inability to achieve anticipated cost-savings in a timely manner; or adverse tax or accounting charges; and inability to increase the capital needed in the company’s businesses in a timely manner and on anticipated terms, including through improved business performance, reinsurance or similar transactions, asset sales, securities offerings or otherwise, in each case as and when required;

• risks relating to estimates, assumptions and valuations including: inadequate reserves and the need to increase reserves (including as a result of any changes the company may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews); inaccurate models; deviations from the company’s estimates and actuarial assumptions or other reasons in its long term care insurance, life insurance and/or annuity businesses; accelerated amortization of deferred acquisition costs (DAC) and present value of future profits (PVFP) (including as a result of any changes it may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews); adverse impact on the company’s financial results as a result of projected profits followed by projected losses (as is currently the case with its long term care insurance business); and changes in valuation of fixed maturity, equity and trading securities;

• risks relating to economic, market and political conditions including: downturns and volatility in global economies and equity and credit markets; interest rates and changes in rates (particularly given the historically low interest rate environment) have adversely impacted, and may continue to materially adversely impact, the company’s business and profitability; deterioration in economic conditions or a decline in home prices that adversely affect the company’s loss experience in mortgage insurance; political and economic instability or changes in government policies; and fluctuations in foreign currency exchange rates and international securities markets;

11

• regulatory and legal risks including: extensive regulation of the company’s businesses and changes in applicable laws and regulations; litigation and regulatory investigations or other actions; dependence on dividends and other distributions from the company’s subsidiaries (particularly its international subsidiaries) and the inability of any subsidiaries to pay dividends or make other distributions to the company, including as a result of the performance of its subsidiaries and insurance, regulatory or corporate law restrictions; adverse change in regulatory requirements, including risk-based capital; changes in regulations adversely affecting the company’s international operations; inability to maintain the private mortgage insurer eligibility requirements (PMIERs); inability of the company’s U.S. mortgage insurance subsidiaries to meet minimum statutory capital requirements and hazardous financial condition standards; the influence of Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) and a small number of large mortgage lenders on the U.S. mortgage insurance market and adverse changes to the role or structure of Fannie Mae and Freddie Mac; adverse changes in regulations affecting the company’s mortgage insurance businesses; inability to continue to implement actions to mitigate the impact of statutory reserve requirements; impact of additional regulations pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act; and changes in accounting and reporting standards;

• liquidity, financial strength ratings, credit and counterparty risks including: insufficient internal sources to meet liquidity needs and limited or no access to capital (including the company’s ability to obtain financing under a credit facility); future adverse rating agency actions, including with respect to rating downgrades or potential downgrades or being put on review for potential downgrade, all of which could have adverse implications for the company, including with respect to key business relationships, product offerings, business results of operations, financial condition and capital needs, strategic plans, collateral obligations and availability and terms of hedging, reinsurance and borrowings; defaults by counterparties to reinsurance arrangements or derivative instruments; defaults or other events impacting the value of the company’s fixed maturity securities portfolio; and defaults on the company’s commercial mortgage loans or the mortgage loans underlying its investments in commercial mortgage-backed securities and volatility in performance;

• operational risks including: inability to retain, attract and motivate qualified employees or senior management; ineffective or inadequate risk management in identifying, controlling or mitigating risks; reliance on, and loss of, key customer or distribution relationships; availability, affordability and adequacy of reinsurance to protect the company against losses; competition; competition in the company’s mortgage insurance businesses from government and government-owned and government-sponsored enterprises (GSEs) offering mortgage insurance; the design and effectiveness of our disclosure controls and procedures and internal control over financial reporting may not prevent all errors, misstatements or misrepresentations; and failure or any compromise of the security of the company’s computer systems, disaster recovery systems and business continuity plans and failures to safeguard, or breaches of, its confidential information;

• insurance and product-related risks including: the company’s inability to increase sufficiently, and in a timely manner, premiums on in force long term care insurance policies and/or reduce in force benefits, and charge higher premiums on new policies, in each case, as currently anticipated and as may be required from time to time in the future (including as a result of the company’s failure to obtain any necessary regulatory approvals or unwillingness or inability of policyholders to pay increased premiums); the company’s inability to reflect future premium increases and other management actions in its margin calculation as anticipated;

12

failure to sufficiently increase new sales for the company’s long term care insurance products; inability to realize anticipated benefits of the company’s rescissions, curtailments, loan modifications or other similar programs in its mortgage insurance businesses; premiums for the significant portion of the company’s mortgage insurance risk in force with high loan-to-value ratios may not be sufficient to compensate the company for the greater risks associated with those policies; decreases in the volume of high loan-to-value mortgage originations or increases in mortgage insurance cancellations; increases in the use of alternatives to private mortgage insurance and reductions in the level of coverage selected; potential liabilities in connection with the company’s U.S. contract underwriting services; and medical advances, such as genetic research and diagnostic imaging, and related legislation that impact policyholder behavior in ways adverse to the company;

• other risks including: occurrence of natural or man-made disasters or a pandemic; impairments of or valuation allowances against the company’s deferred tax assets; the possibility that in certain circumstances the company will be obligated to make payments to General Electric Company (GE) under the tax matters agreement with GE even if its corresponding tax savings are never realized and payments could be accelerated in the event of certain changes in control; and provisions of the company’s certificate of incorporation and bylaws and the tax matters agreement with GE may discourage takeover attempts and business combinations that stockholders might consider in their best interests; and

• risks relating to the company’s common stock including: the continued suspension of payment of dividends; and stock price fluctuations.

The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.

# # #

Contact Information:

Investors:	investorinfo@genworth.com
Media:	Julie Westermann, 804 662.2423
	julie.westermann@genworth.com

13

Condensed Consolidated Statements of Income

(Amounts in millions, except per share amounts)

	Three months ended
	June 30,
	2017		2016
Revenues:
Premiums	$	1,111	$	1,127
Net investment income		801		779
Net investment gains (losses)		101		30
Policy fees and other income		210		300
Total revenues		2,223		2,236
Benefits and expenses:
Benefits and other changes in policy reserves		1,206		1,193
Interest credited		163		173
Acquisition and operating expenses, net of deferrals		240		327
Amortization of deferred acquisition costs and intangibles		139		112
Interest expense		74		80
Total benefits and expenses		1,822		1,885
Income from continuing operations before income taxes		401		351
Provision for income taxes		130		110
Income from continuing operations		271		241
Loss from discontinued operations, net of taxes		—		(21	)
Net income		271		220
Less: net income attributable to noncontrolling interests		69		48
Net income available to Genworth Financial, Inc.’s common stockholders	$	202	$	172
Income from continuing operations available to Genworth Financial, Inc.’s common stockholders per share:
Basic	$	0.40	$	0.39
Diluted	$	0.40	$	0.39
Net income available to Genworth Financial, Inc.’s common stockholders per share:
Basic	$	0.40	$	0.35
Diluted	$	0.40	$	0.34
Weighted-average shares outstanding:
Basic		499.0		498.5
Diluted		501.2		500.4

14

Reconciliation of Net Income to Adjusted Operating Income

(Amounts in millions, except per share amounts)

	Three						Three
	months ended						months ended
	June 30,						March 31,
	2017			2016			2017
Net income available to Genworth Financial, Inc.’s common stockholders	$	202		$	172		$	155
Add: net income attributable to noncontrolling interests		69			48			61
Net income		271			220			216
Loss from discontinued operations, net of taxes		—			(21	)		—
Income from continuing operations		271			241			216
Less: income from continuing operations attributable to noncontrolling interests		69			48			61
Income from continuing operations available to Genworth Financial, Inc.‘s common stockholders		202			193			155
Adjustments to income from continuing operations available to Genworth Financial, Inc.’s common stockholders:
Net investment (gains) losses, net8		(79	)		(39	)		(20	)
Gains on sale of businesses		—			(10	)		—
Gains on early extinguishment of debt, net		—			(64	)		—
Expenses related to restructuring		—			5			1
Taxes on adjustments		28			38			7
Adjusted operating income	$	151		$	123		$	143
Adjusted operating income (loss):
U.S. Mortgage Insurance segment	$	91		$	61		$	73
Canada Mortgage Insurance segment		41			38			36
Australia Mortgage Insurance segment		12			15			13
U.S. Life Insurance segment:
Long Term Care Insurance		33			37			14
Life Insurance		(1	)		31			16
Fixed Annuities		7			(13	)		23
Total U.S. Life Insurance segment		39			55			53
Runoff segment		11			6			14
Corporate and Other		(43	)		(52	)		(46	)
Adjusted operating income	$	151		$	123		$	143
Net income available to Genworth Financial, Inc.’s common stockholders per share:
Basic	$	0.40		$	0.35		$	0.31
Diluted	$	0.40		$	0.34		$	0.31
Adjusted operating income per share:
Basic	$	0.30		$	0.25		$	0.29
Diluted	$	0.30		$	0.25		$	0.29
Weighted-average common shares outstanding:
Basic		499.0			498.5			498.6
Diluted		501.2			500.4			501.0

⁸  For the three months ended June 30, 2017 and 2016 and the three months ended March 31, 2017, net investment gains (losses) were adjusted for DAC and other intangible amortization and certain benefit reserves of zero, $(6) million and zero respectively, and adjusted for net investment gains (losses) attributable to noncontrolling interests of $22 million, $(3) million, and $14 million, respectively.

15

Condensed Consolidated Balance Sheets

(Amounts in millions)

	June 30, 2017			December 31, 2016
Assets
Cash, cash equivalents and invested assets	$	76,688		$	75,012
Deferred acquisition costs		2,378			3,571
Intangible assets and goodwill		334			348
Reinsurance recoverable		17,609			17,755
Deferred tax and other assets		738			673
Separate account assets		7,269			7,299
Total assets	$	105,016		$	104,658
Liabilities and equity
Liabilities:
Future policy benefits	$	37,772		$	37,063
Policyholder account balances		24,971			25,662
Liability for policy and contract claims		9,239			9,256
Unearned premiums		3,400			3,378
Deferred tax and other liabilities		2,791			2,969
Borrowings related to securitization entities		63			74
Non-recourse funding obligations		310			310
Long-term borrowings		4,205			4,180
Separate account liabilities		7,269			7,299
Total liabilities		90,020			90,191
Equity:
Common stock		1			1
Additional paid-in capital		11,969			11,962
Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		1,170			1,253
Net unrealized gains (losses) on other-than-temporarily impaired securities		10			9
Net unrealized investment gains (losses)		1,180			1,262
Derivatives qualifying as hedges		2,064			2,085
Foreign currency translation and other adjustments		(149	)		(253	)
Total accumulated other comprehensive income (loss)		3,095			3,094
Retained earnings		653			287
Treasury stock, at cost		(2,700	)		(2,700	)
Total Genworth Financial, Inc.’s stockholders’ equity		13,018			12,644
Noncontrolling interests		1,978			1,823
Total equity		14,996			14,467
Total liabilities and equity	$	105,016		$	104,658

16

Impact of Foreign Exchange on Flow New Insurance Written9 Three months ended June 30, 2017
	Percentages			Percentages
	Including Foreign			Excluding Foreign
	Exchange			Exchange10
Canada Mortgage Insurance (MI):
Flow new insurance written		(16	)%		(14	)%
Flow new insurance written (2Q17 vs. 1Q17)		61	%		65	%
Australia MI:
Flow new insurance written		(18	)%		(18	)%
Flow new insurance written (2Q17 vs. 1Q17)		—	%		—	%

⁹  All percentages are comparing the second quarter of 2017 to the second quarter of 2016 unless otherwise stated.

¹⁰  The impact of foreign exchange was calculated using the comparable prior period exchange rates.

17

Reconciliation of Core Yield to Reported Yield

	Three
	months ended
	June 30,
	2017
(Assets - amounts in billions)
Reported Total Invested Assets and Cash	$	76.1
Subtract:
Securities lending		0.2
Unrealized gains (losses)		5.6
Adjusted end of period invested assets	$	70.3
Average Invested Assets Used in Reported Yield Calculation	$	70.1
Subtract:
Restricted commercial mortgage loans and other invested assets related to securitization entities11		0.1
Average Invested Assets Used in Core Yield Calculation	$	70.0
(Income - amounts in millions)
Reported Net Investment Income	$	801
Subtract:
Bond calls and commercial mortgage loan prepayments		8
Other non-core items12		8
Restricted commercial mortgage loans and other invested assets related to securitization entities11		2
Core Net Investment Income	$	783
Reported Yield		4.57	%
Core Yield		4.47	%

¹¹  Represents the incremental assets and investment income related to restricted commercial mortgage loans and other invested assets.

¹²  Includes cost basis adjustments on structured securities and various other immaterial items.

18

EX-99.2

Exhibit 99.2

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Table of Contents	Page
Investor Letter		3
Use of Non-GAAP Measures		4
Results of Operations and Selected Operating Performance Measures		5
Financial Highlights		6
Consolidated Quarterly Results
Consolidated Net Income (Loss) by Quarter		8
Reconciliation of Net Income (Loss) to Adjusted Operating Income (Loss)		9
Consolidated Balance Sheets		10-11
Consolidated Balance Sheets by Segment		12-13
Deferred Acquisition Costs (DAC) Rollforward		14
Quarterly Results by Business
Adjusted Operating Income and Sales—U.S. Mortgage Insurance Segment		16-22
Adjusted Operating Income and Sales—Canada Mortgage Insurance Segment		24-27
Adjusted Operating Income and Sales—Australia Mortgage Insurance Segment		29-32
Adjusted Operating Income (Loss) and Sales—U.S. Life Insurance Segment		34-37
Adjusted Operating Income—Runoff Segment		39
Adjusted Operating Loss—Corporate and Other Activities		41
Additional Financial Data
Investments Summary		43
Fixed Maturity Securities Summary		44
General Account GAAP Net Investment Income Yields		45
Net Investment Gains (Losses), Net—Detail		46
Reconciliations of Non-GAAP Measures
Reconciliation of Operating Return On Equity (ROE)		48
Reconciliation of Core Yield		49
Corporate Information
Financial Strength Ratings		51

Note:

Unless otherwise stated, all references in this financial supplement to income (loss) from continuing operations, income (loss) from continuing operations per share, net income (loss), net income (loss) per share, adjusted operating income (loss), adjusted operating income (loss) per share, book value and book value per share should be read as income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders, income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders per share, net income (loss) available to Genworth Financial, Inc.’s common stockholders, net income (loss) available to Genworth Financial, Inc.’s common stockholders per share, non-U.S. Generally Accepted Accounting Principles (GAAP) adjusted operating income (loss) available to Genworth Financial, Inc.’s common stockholders, non-GAAP adjusted 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

SECOND QUARTER 2017

Dear Investor,

Thank you for your continued interest in Genworth Financial.

Regards,

Investor Relations

InvestorInfo@genworth.com

3

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Use of Non-GAAP Measures

This financial supplement includes the non-GAAP financial measures entitled “adjusted operating income (loss)” and “adjusted operating income (loss) per share.” Adjusted operating income (loss) per share is derived from adjusted operating income (loss). The chief operating decision maker evaluates segment performance and allocates resources on the basis of adjusted operating income (loss). The company defines adjusted operating income (loss) as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions, restructuring costs and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for certain blocks of business. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company’s segments and Corporate and Other activities. A component of the company’s net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company’s discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from adjusted operating income (loss) because, in the company’s opinion, they are not indicative of overall operating trends. Infrequent or unusual non-operating items are also excluded from adjusted 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 adjusted operating income (loss) and measures that are derived from or incorporate adjusted operating income (loss), including adjusted operating income (loss) per share on a basic and diluted basis, are appropriate measures that are useful to investors because they identify the income (loss) attributable to the ongoing operations of the business. Management also uses adjusted operating income (loss) as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from adjusted operating income (loss) have occurred in the past and could, and in some cases will, recur in the future. Adjusted operating income (loss) and adjusted operating income (loss) per share on a basic and diluted basis are not substitutes for net income (loss) available to Genworth Financial, Inc.’s common stockholders or net income (loss) available to Genworth Financial, Inc.’s common stockholders per share on a basic and diluted basis determined in accordance with GAAP. In addition, the company’s definition of adjusted operating income (loss) may differ from the definitions used by other companies.

Adjustments to reconcile net income (loss) attributable to Genworth Financial, Inc.’s common stockholders and adjusted operating income (loss) assume a 35% tax rate (unless otherwise indicated) and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for DAC and other intangible amortization and certain benefit reserves (see page 46).

In June 2016, the company completed the sale of its term life insurance new business platform and recorded a pre-tax gain of $12 million. In May 2016, the company completed the sale of its mortgage insurance business in Europe and recorded an additional pre-tax loss of $2 million. In the first quarter of 2016, the company recorded an estimated pre-tax loss of $7 million and a tax benefit of $27 million related to the planned sale of the mortgage insurance business in Europe. These transactions were excluded from adjusted operating income (loss) for the periods presented as they related to a gain (loss) on the sale of businesses.

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

In the first quarter of 2016, the company completed a life block transaction resulting in a pre-tax loss of $9 million in connection with the early extinguishment of non-recourse funding obligations.

In the first quarter of 2017, the company recorded a pre-tax expense of $1 million related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses. In the third, second and first quarters of 2016, the company also recorded a pre-tax expense of $2 million, $5 million and $15 million, respectively, related to restructuring costs.

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

The table on page 9 of this financial supplement provides a reconciliation of net income (loss) available to Genworth Financial, Inc.’s common stockholders to adjusted operating income (loss) for the periods presented and reflects adjusted operating income (loss) as determined in accordance with accounting guidance related to segment reporting. The financial supplement includes other non-GAAP measures management believes enhances the understanding and comparability of performance by highlighting underlying business activity and profitability drivers. These additional non-GAAP measures are on pages 48 and 49 of this financial supplement.

4

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Results of Operations and Selected Operating Performance Measures

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

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

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

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

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

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

5

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Financial Highlights

(amounts in millions, except per share data)

Balance Sheet Data	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
Total Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income	$	9,923		$	9,716		$	9,550		$	9,669		$	10,045
Total accumulated other comprehensive income		3,095			3,096			3,094			5,202			5,088
Total Genworth Financial, Inc.’s stockholders’ equity	$	13,018		$	12,812		$	12,644		$	14,871		$	15,133
Book value per share	$	26.08		$	25.68		$	25.37		$	29.84		$	30.37
Book value per share, excluding accumulated other comprehensive income	$	19.88		$	19.47		$	19.16		$	19.40		$	20.16
Common shares outstanding as of the balance sheet date		499.1			498.9			498.4			498.4			498.3
	Twelve months ended
Twelve Month Rolling Average ROE	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
GAAP Basis ROE		-1.5	%		-1.8	%		-2.8	%		-4.5	%		-3.5	%
Operating ROE(1)		-2.5	%		-2.8	%		-3.2	%		-2.6	%		2.1	%
	Three months ended
Quarterly Average ROE	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
GAAP Basis ROE		8.2	%		6.4	%		-5.1	%		-15.4	%		6.9	%
Operating ROE(1)		6.2	%		5.9	%		-5.7	%		-16.4	%		4.9	%

Basic and Diluted Shares	Three months ended June 30, 2017		Six months ended June 30, 2017
Weighted-average common shares used in basic earnings per share calculations		499.0		498.8
Potentially dilutive securities:
Stock options, restricted stock units and stock appreciation rights		2.2		2.3
Weighted-average common shares used in diluted earnings per share calculations		501.2		501.1

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

6

Consolidated Quarterly Results

7

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Consolidated Net Income (Loss) by Quarter

(amounts in millions, except per share amounts)

	2017						2016
	2Q		1Q		Total		4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1,111	$	1,136	$	2,247	$	1,131		$	1,108		$	1,127		$	794		$	4,160
Net investment income		801		790		1,591		786			805			779			789			3,159
Net investment gains (losses)		101		34		135		41			20			30			(19	)		72
Policy fees and other income		210		211		421		240			217			300			221			978
Total revenues		2,223		2,171		4,394		2,198			2,150			2,236			1,785			8,369
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,206		1,246		2,452		1,530			1,662			1,193			860			5,245
Interest credited		163		167		330		173			173			173			177			696
Acquisition and operating expenses, net of deferrals		240		270		510		283			269			327			394			1,273
Amortization of deferred acquisition costs and intangibles		139		94		233		193			94			112			99			498
Interest expense		74		62		136		75			77			80			105			337
Total benefits and expenses		1,822		1,839		3,661		2,254			2,275			1,885			1,635			8,049
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		401		332		733		(56	)		(125	)		351			150			320
Provision for income taxes		130		116		246		3			222			110			23			358
INCOME (LOSS) FROM CONTINUING OPERATIONS		271		216		487		(59	)		(347	)		241			127			(38	)
Income (loss) from discontinued operations, net of taxes(1)		—		—		—		(4	)		15			(21	)		(19	)		(29	)
NET INCOME (LOSS)		271		216		487		(63	)		(332	)		220			108			(67	)
Less: net income attributable to noncontrolling interests		69		61		130		59			48			48			55			210
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		$   202	$	155	$	357	$	(122	)	$	(380	)	$	172		$	53		$	(277	)
Earnings (Loss) Per Share Data:
Income (loss) from continuing operations available to Genworth Financial, Inc.’s common stockholders per share
Basic	$	0.40	$	0.31	$	0.72	$	(0.24	)	$	(0.79	)	$	0.39		$	0.14		$	(0.50	)
Diluted	$	0.40	$	0.31	$	0.71	$	(0.24	)	$	(0.79	)	$	0.39		$	0.14		$	(0.50	)
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per share
Basic	$	0.40	$	0.31	$	0.72	$	(0.25	)	$	(0.76	)	$	0.35		$	0.11		$	(0.56	)
Diluted	$	0.40	$	0.31	$	0.71	$	(0.25	)	$	(0.76	)	$	0.34		$	0.11		$	(0.56	)
Weighted-average common shares outstanding
Basic		499.0		498.6		498.8		498.4			498.3			498.5			498.0			498.3
Diluted(2)		501.2		501.0		501.1		498.4			498.3			500.4			499.4			498.3

⁽¹⁾  Income (loss) from discontinued operations related to the lifestyle protection business that was sold on December 1, 2015. During the fourth, third, second and first quarters of 2016, the company recorded an additional after-tax gain (loss) of approximately $(4) million, $15 million, $(21) million and $(19) million, respectively, as it finalized the closing balance sheet purchase price adjustments.

⁽²⁾  Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 2.5 million and 2.2 million, respectively, for the three months ended December 31, 2016 and September 30, 2016 and 2.0 million for the twelve months ended December 31, 2016 would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations in these periods, dilutive potential weighted-average common shares outstanding would have been 500.9 million and 500.5 million, respectively, for the three months ended December 31, 2016 and September 30, 2016 and 500.3 million for the twelve months ended December 31, 2016.

8

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Reconciliation of Net Income (Loss) to Adjusted Operating Income (Loss)

(amounts in millions, except per share amounts)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
NET INCOME (LOSS) AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS	$	202		$	155		$	357		$	(122	)	$	(380	)	$	172		$	53		$	(277	)
Add: net income attributable to noncontrolling interests		69			61			130			59			48			48			55			210
NET INCOME (LOSS)		271			216			487			(63	)		(332	)		220			108			(67	)
Income (loss) from discontinued operations, net of taxes		—			—			—			(4	)		15			(21	)		(19	)		(29	)
INCOME (LOSS) FROM CONTINUING OPERATIONS		271			216			487			(59	)		(347	)		241			127			(38	)
Less: income from continuing operations attributable to noncontrolling interests		69			61			130			59			48			48			55			210
INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		202			155			357			(118	)		(395	)		193			72			(248	)
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net(1)		(79	)		(20	)		(99	)		(28	)		(18	)		(39	)		19			(66	)
(Gains) losses on sale of businesses		—			—			—			—			—			(10	)		7			(3	)
(Gains) losses on early extinguishment of debt, net		—			—			—			—			—			(64	)		16			(48	)
Losses from life block transactions		—			—			—			—			—			—			9			9
Expenses related to restructuring		—			1			1			—			2			5			15			22
Fees associated with bond consent solicitation		—			—			—			—			—			—			18			18
Taxes on adjustments		28			7			35			9			6			38			(53	)		—
ADJUSTED OPERATING INCOME (LOSS)	$	151		$	143		$	294		$	(137	)	$	(405	)	$	123		$	103		$	(316	)
ADJUSTED OPERATING INCOME (LOSS):
U.S. Mortgage Insurance segment	$	91		$	73		$	164		$	61		$	67		$	61		$	61		$	250
Canada Mortgage Insurance segment		41			36			77			39			36			38			33			146
Australia Mortgage Insurance segment		12			13			25			14			14			15			19			62
U.S. Life Insurance segment:
Long-Term Care Insurance		33			14			47			(1	)		(270	)		37			34			(200	)
Life Insurance		(1	)		16			15			(193	)		48			31			31			(83	)
Fixed Annuities		7			23			30			40			15			(13	)		26			68
Total U.S. Life Insurance segment		39			53			92			(154	)		(207	)		55			91			(215	)
Runoff segment		11			14			25			6			12			6			4			28
Corporate and Other		(43	)		(46	)		(89	)		(103	)		(327	)		(52	)		(105	)		(587	)
ADJUSTED OPERATING INCOME (LOSS)	$	151		$	143		$	294		$	(137	)	$	(405	)	$	123		$	103		$	(316	)
Earnings (Loss) Per Share Data:
Net income (loss) available to Genworth Financial, Inc.’s common stockholders per share
Basic	$	0.40		$	0.31		$	0.72		$	(0.25	)	$	(0.76	)	$	0.35		$	0.11		$	(0.56	)
Diluted	$	0.40		$	0.31		$	0.71		$	(0.25	)	$	(0.76	)	$	0.34		$	0.11		$	(0.56	)
Adjusted operating income (loss) per share
Basic	$	0.30		$	0.29		$	0.59		$	(0.27	)	$	(0.81	)	$	0.25		$	0.21		$	(0.63	)
Diluted	$	0.30		$	0.29		$	0.59		$	(0.27	)	$	(0.81	)	$	0.25		$	0.21		$	(0.63	)
Weighted-average common shares outstanding
Basic		499.0			498.6			498.8			498.4			498.3			498.5			498.0			498.3
Diluted(2)		501.2			501.0			501.1			498.4			498.3			500.4			499.4			498.3

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

⁽²⁾  Under applicable accounting guidance, companies in a loss position are required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share. Therefore, as a result of the loss from continuing operations, the company was required to use basic weighted-average common shares outstanding in the calculation of diluted loss per share as the inclusion of shares for stock options, restricted stock units and stock appreciation rights of 2.5 million and 2.2 million, respectively, for the three months ended December 31, 2016 and September 30, 2016 and 2.0 million for the twelve months ended December 31, 2016 would have been antidilutive to the calculation. If the company had not incurred a loss from continuing operations in these periods, dilutive potential weighted-average common shares outstanding would have been 500.9 million and 500.5 million, respectively, for the three months ended December 31, 2016 and September 30, 2016 and 500.3 million for the twelve months ended December 31, 2016.

9

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Consolidated Balance Sheets

(amounts in millions)

	June 30, 2017		March 31, 2017		December 31, 2016		September 30, 2016		June 30, 2016
ASSETS
Investments:
Fixed maturity securities available-for-sale, at fair value	$	61,944	$	60,597	$	60,572	$	63,780	$	62,828
Equity securities available-for-sale, at fair value		855		709		632		590		481
Commercial mortgage loans		6,237		6,107		6,111		6,017		6,121
Restricted commercial mortgage loans related to securitization entities		118		122		129		134		141
Policy loans		1,824		1,761		1,742		1,751		1,754
Other invested assets		2,177		2,272		2,071		2,676		2,510
Restricted other invested assets related to securitization entities		81		84		312		312		312
Total investments		73,236		71,652		71,569		75,260		74,147
Cash and cash equivalents		2,853		3,018		2,784		3,078		3,457
Accrued investment income		599		717		659		677		601
Deferred acquisition costs		2,378		3,207		3,571		3,982		4,046
Intangible assets and goodwill		334		381		348		258		267
Reinsurance recoverable		17,609		17,681		17,755		17,542		17,564
Other assets		715		703		673		570		640
Deferred tax asset		23		—		—		—		—
Separate account assets		7,269		7,327		7,299		7,485		7,484
Total assets	$	105,016	$	104,686	$	104,658	$	108,852	$	108,206

10

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Consolidated Balance Sheets

(amounts in millions)

	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	37,772		$	37,291		$	37,063		$	37,405		$	37,154
Policyholder account balances		24,971			25,383			25,662			25,867			26,182
Liability for policy and contract claims		9,239			9,295			9,256			8,869			8,289
Unearned premiums		3,400			3,370			3,378			3,464			3,412
Other liabilities		2,629			2,657			2,916			3,280			3,197
Borrowings related to securitization entities		63			68			74			78			85
Non-recourse funding obligations		310			310			310			310			310
Long-term borrowings		4,205			4,194			4,180			4,194			4,191
Deferred tax liability		162			75			53			1,151			893
Separate account liabilities		7,269			7,327			7,299			7,485			7,484
Total liabilities		90,020			89,970			90,191			92,103			91,197
Equity:
Common stock		1			1			1			1			1
Additional paid-in capital		11,969			11,964			11,962			11,959			11,955
Accumulated other comprehensive income (loss):
Net unrealized investment gains (losses):
Net unrealized gains (losses) on securities not other-than-temporarily impaired		1,170			1,233			1,253			2,836			2,770
Net unrealized gains (losses) on other-than-temporarily impaired securities		10			10			9			24			19
Net unrealized investment gains (losses)		1,180			1,243			1,262			2,860			2,789
Derivatives qualifying as hedges		2,064			2,036			2,085			2,493			2,439
Foreign currency translation and other adjustments		(149	)		(183	)		(253	)		(151	)		(140	)
Total accumulated other comprehensive income		3,095			3,096			3,094			5,202			5,088
Retained earnings		653			451			287			409			789
Treasury stock, at cost		(2,700	)		(2,700	)		(2,700	)		(2,700	)		(2,700	)
Total Genworth Financial, Inc.’s stockholders’ equity		13,018			12,812			12,644			14,871			15,133
Noncontrolling interests		1,978			1,904			1,823			1,878			1,876
Total equity		14,996			14,716			14,467			16,749			17,009
Total liabilities and equity	$	105,016		$	104,686		$	104,658		$	108,852		$	108,206

11

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Consolidated Balance Sheet by Segment

(amounts in millions)

	June 30, 2017
	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance		U.S. Life Insurance		Runoff			Corporate and Other(1)			Total
ASSETS
Cash and investments	$	2,788		$	4,952		$	2,702	$	62,663	$	2,761		$	822		$	76,688
Deferred acquisition costs and intangible assets		47			141			90		2,191		235			8			2,712
Reinsurance recoverable		1			—			—		16,783		825			—			17,609
Deferred tax and other assets		41			48			30		382		(15	)		252			738
Separate account assets		—			—			—		—		7,269			—			7,269
Total assets	$	2,877		$	5,141		$	2,822	$	82,019	$	11,075		$	1,082		$	105,016
LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	—		$	—		$	—	$	37,769	$	3		$	—		$	37,772
Policyholder account balances		—			—			—		21,697		3,274			—			24,971
Liability for policy and contract claims		490			94			231		8,401		15			8			9,239
Unearned premiums		365			1,623			856		551		5			—			3,400
Non-recourse funding obligations		—			—			—		310		—			—			310
Deferred tax and other liabilities		(248	)		153			148		2,449		(75	)		364			2,791
Borrowings and capital securities		—			334			151		—		12			3,771			4,268
Separate account liabilities		—			—			—		—		7,269			—			7,269
Total liabilities		607			2,204			1,386		71,177		10,503			4,143			90,020
Equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		2,250			1,826			586		7,733		569			(3,041	)		9,923
Allocated accumulated other comprehensive income (loss)		20			(150	)		133		3,109		3			(20	)		3,095
Total Genworth Financial, Inc.’s stockholders’ equity		2,270			1,676			719		10,842		572			(3,061	)		13,018
Noncontrolling interests		—			1,261			717		—		—			—			1,978
Total equity		2,270			2,937			1,436		10,842		572			(3,061	)		14,996
Total liabilities and equity	$	2,877		$	5,141		$	2,822	$	82,019	$	11,075		$	1,082		$	105,016

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

12

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Consolidated Balance Sheet by Segment

(amounts in millions)

	March 31, 2017
	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance		U.S. Life Insurance		Runoff			Corporate and Other(1)			Total
ASSETS
Cash and investments	$	2,644		$	4,781		$	2,671	$	61,793	$	2,868		$	630		$	75,387
Deferred acquisition costs and intangible assets		46			137			98		3,053		246			8			3,588
Reinsurance recoverable		2			—			—		16,845		834			—			17,681
Other assets		43			51			13		374		(13	)		235			703
Separate account assets		—			—			—		—		7,327			—			7,327
Total assets	$	2,735		$	4,969		$	2,782	$	82,065	$	11,262		$	873		$	104,686
LIABILITIES AND EQUITY
Liabilities:
Future policy benefits	$	—		$	—		$	—	$	37,288	$	3		$	—		$	37,291
Policyholder account balances		—			—			—		22,015		3,368			—			25,383
Liability for policy and contract claims		583			109			227		8,353		15			8			9,295
Unearned premiums		349			1,582			873		561		5			—			3,370
Non-recourse funding obligations		—			—			—		310		—			—			310
Deferred tax and other liabilities		(380	)		133			129		2,595		(51	)		306			2,732
Borrowings and capital securities		—			326			150		—		13			3,773			4,262
Separate account liabilities		—			—			—		—		7,327			—			7,327
Total liabilities		552			2,150			1,379		71,122		10,680			4,087			89,970
Equity:
Allocated equity, excluding accumulated other comprehensive income (loss)		2,173			1,780			571		7,763		581			(3,152	)		9,716
Allocated accumulated other comprehensive income (loss)		10			(163	)		130		3,180		1			(62	)		3,096
Total Genworth Financial, Inc.’s stockholders’ equity		2,183			1,617			701		10,943		582			(3,214	)		12,812
Noncontrolling interests		—			1,202			702		—		—			—			1,904
Total equity		2,183			2,819			1,403		10,943		582			(3,214	)		14,716
Total liabilities and equity	$	2,735		$	4,969		$	2,782	$	82,065	$	11,262		$	873		$	104,686

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

13

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Deferred Acquisition Costs Rollforward

(amounts in millions)

	U.S. Mortgage Insurance			Canada Mortgage Insurance			Australia Mortgage Insurance			U.S. Life Insurance(1)			Runoff(2)			Corporate and Other		Total
Unamortized balance as of March 31, 2017	$	28		$	121		$	33		$	3,762		$	238		$	—	$	4,182
Costs deferred		3			10			2			7			—			—		22
Amortization, net of interest accretion		(3	)		(10	)		(3	)		(91	)		(6	)		—		(113	)
Impact of foreign currency translation		—			3			—			—			—			—		3
Unamortized balance as of June 30, 2017		28			124			32			3,678			232			—		4,094
Effect of accumulated net unrealized investment (gains) losses		—			—			—			(1,707	)		(9	)		—		(1,716	)
Balance as of June 30, 2017	$	28		$	124		$	32		$	1,971		$	223		$	—	$	2,378

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

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

14

U.S. Mortgage Insurance Segment

15

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017						2016
	2Q		1Q		Total		4Q		3Q		2Q		1Q			Total
REVENUES:
Premiums	$	170	$	169	$	339	$	171	$	169	$	160	$	160		$	660
Net investment income		18		17		35		17		16		15		15			63
Net investment gains (losses)		—		—		—		—		—		—		(1	)		(1	)
Policy fees and other income		1		1		2		1		1		1		1			4
Total revenues		189		187		376		189		186		176		175			726
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		3		29		32		48		36		38		38			160
Acquisition and operating expenses, net of deferrals		41		40		81		42		45		41		39			167
Amortization of deferred acquisition costs and intangibles		3		4		7		4		3		2		3			12
Total benefits and expenses		47		73		120		94		84		81		80			339
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		142		114		256		95		102		95		95			387
Provision for income taxes		51		41		92		34		36		34		34			138
INCOME FROM CONTINUING OPERATIONS		91		73		164		61		66		61		61			249
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS:
Net investment (gains) losses		—		—		—		—		—		—		1			1
Expenses related to restructuring		—		—		—		—		1		—		—			1
Taxes on adjustments		—		—		—		—		—		—		(1	)		(1	)
ADJUSTED OPERATING INCOME	$	91	$	73	$	164	$	61	$	67	$	61	$	61		$	250
SALES:
New Insurance Written (NIW)
Flow	$	9,800	$	7,600	$	17,400	$	11,100	$	12,800	$	11,400	$	7,400		$	42,700
Bulk		—		—		—		—		—		—		—			—
Total U.S. Mortgage Insurance NIW	$	9,800	$	7,600	$	17,400	$	11,100	$	12,800	$	11,400	$	7,400		$	42,700

16

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017										2016
	2Q					1Q					4Q					3Q					2Q					1Q
	Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW			Flow NIW		% of Flow NIW
Product
Monthly(1)	$	7,900		81	%	$	6,100		80	%	$	8,800		79	%	$	10,000		78	%	$	8,400		74	%	$	5,400		73	%
Single		1,900		19			1,500		20			2,300		21			2,800		22			3,000		26			2,000		27
Total Flow	$	9,800		100	%	$	7,600		100	%	$	11,100		100	%	$	12,800		100	%	$	11,400		100	%	$	7,400		100	%
FICO Scores
Over 735	$	6,000		61	%	$	4,700		62	%	$	7,000		63	%	$	8,100		63	%	$	7,100		62	%	$	4,400		60	%
680-735		3,100		32			2,300		30			3,300		30			3,800		30			3,400		30			2,400		32
660-679(2)		400		4			300		4			500		4			500		4			500		4			300		4
620-659		300		3			300		4			300		3			400		3			400		4			300		4
<620		—		—			—		—			—		—			—		—			—		—			—		—
Total Flow	$	9,800		100	%	$	7,600		100	%	$	11,100		100	%	$	12,800		100	%	$	11,400		100	%	$	7,400		100	%
Loan-To-Value Ratio
95.01% and above	$	1,100		11	%	$	800		11	%	$	1,000		9	%	$	1,000		8	%	$	700		6	%	$	400		5	%
90.01% to 95.00%		4,700		48			3,500		46			5,000		45			6,100		48			5,900		52			3,700		50
85.01% to 90.00%		2,900		30			2,300		30			3,400		31			4,000		31			3,400		30			2,400		33
85.00% and below		1,100		11			1,000		13			1,700		15			1,700		13			1,400		12			900		12
Total Flow	$	9,800		100	%	$	7,600		100	%	$	11,100		100	%	$	12,800		100	%	$	11,400		100	%	$	7,400		100	%
Origination
Purchase	$	9,000		92	%	$	6,300		83	%	$	8,400		76	%	$	10,500		82	%	$	9,400		82	%	$	6,000		81	%
Refinance		800		8			1,300		17			2,700		24			2,300		18			2,000		18			1,400		19
Total Flow	$	9,800		100	%	$	7,600		100	%	$	11,100		100	%	$	12,800		100	%	$	11,400		100	%	$	7,400		100	%

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

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

17

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Other Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	186		$	175		$	361		$	185		$	193		$	190		$	176		$	744
New Risk Written
Flow	$	2,478		$	1,864		$	4,342		$	2,673		$	3,188		$	2,865		$	1,845		$	10,571
Bulk		—			—			—			—			—			—			—			—
Total Primary		2,478			1,864			4,342			2,673			3,188			2,865			1,845			10,571
Pool		—			—			—			—			—			—			—			—
Total New Risk Written	$	2,478		$	1,864		$	4,342		$	2,673		$	3,188		$	2,865		$	1,845		$	10,571
Primary Insurance In-Force(1)	$	143,000		$	139,300					$	137,500		$	133,700		$	128,400		$	124,100
Risk In-Force
Flow(2)	$	34,286		$	33,347					$	32,891		$	32,067		$	30,760		$	29,620
Bulk(3)		257			266						278			290			314			318
Total Primary		34,543			33,613						33,169			32,357			31,074			29,938
Pool		92			96						100			104			111			116
Total Risk In-Force	$	34,635		$	33,709					$	33,269		$	32,461		$	31,185		$	30,054
Primary Risk In-Force That Is GSE Conforming		95	%		95	%					95	%		96	%		96	%		96	%
Expense Ratio (Net Earned Premiums)(4)		26	%		26	%		26	%		27	%		28	%		27	%		26	%		27	%
Expense Ratio (Net Premiums Written)(5)		24	%		25	%		24	%		25	%		24	%		23	%		24	%		24	%
Flow Persistency		82	%		83	%					78	%		77	%		77	%		82	%
Risk To Capital Ratio(6)		13.0:1			13.6:1						14.4:1			15.0:1			15.0:1			15.3:1
PMIERs Sufficiency Ratio(7)		122	%		118	%					115	%		117	%		115	%		113	%
Average Primary Loan Size (in thousands)	$	200		$	198					$	196		$	195		$	192		$	189

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

⁽¹⁾  Primary insurance in-force represents aggregate loan balances for outstanding insurance policies and is used to determine premiums. Original loan balances are presented for policies with level renewal premiums. Amortized loan balances are presented for policies with annual, amortizing renewal premiums.

⁽²⁾  Flow risk in-force represents current loan balances as provided by servicers, lenders and investors and conform to the presentation under the Private Mortgage Insurer Eligibility Requirements (PMIERs).

⁽³⁾  As of June 30, 2017, 90% of the bulk risk in-force was related to loans financed by lenders who participated in the mortgage programs sponsored by the Federal Home Loan Banks.

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

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

⁽⁶⁾  Certain states limit a private mortgage insurer’s risk in-force to 25 times the total of the insurer’s policyholders’ surplus plus the statutory contingency reserve, commonly known as the “risk to capital” requirement. The current period risk to capital ratio is an estimate due to the timing of the filing of statutory statements and is prepared consistent with the presentation of the statutory financial statements in the combined annual statement of the U.S. mortgage insurance business.

⁽⁷⁾  The PMIERs sufficiency ratio is calculated as available assets divided by required assets as defined within PMIERs. The current period PMIERs sufficiency ratio is an estimate due to the timing of the PMIERs filing for the U.S. mortgage insurance business. As of June 30, 2017, March 31, 2017, December 31, 2016, September 30, 2016, June 30, 2016 and March 31, 2016, the PMIERs sufficiency ratios were in excess of $500 million, $400 million, $350 million, $400 million, $350 million and $300 million, respectively, of available assets above the PMIERs requirements.

18

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Loss Metrics—U.S. Mortgage Insurance Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Paid Claims
Flow
Direct(1)	$	92		$	76		$	168		$	65		$	80		$	94		$	112		$	351
Assumed(2)		—			2			2			1			1			1			2			5
Ceded		—			(1	)		(1	)		—			—			(1	)		(3	)		(4	)
Loss adjustment expenses		2			2			4			3			2			3			3			11
Total Flow		94			79			173			69			83			97			114			363
Bulk		1			1			2			1			1			1			2			5
Total Primary		95			80			175			70			84			98			116			368
Pool		1			—			1			1			—			1			—			2
Total Paid Claims	$	96		$	80		$	176		$	71		$	84		$	99		$	116		$	370
Average Paid Claim (in thousands)(1)	$	46.6		$	51.2					$	50.0		$	53.6		$	50.8		$	51.9
Average Reserve Per Delinquency (in thousands)
Flow	$	24.1		$	25.8					$	25.1		$	25.9		$	27.8		$	28.3
Bulk loans with established reserve		19.5			19.1						18.5			18.8			21.1			21.2
Reserves:
Flow direct case	$	440		$	530					$	579		$	599		$	640		$	698
Bulk direct case		12			12						13			14			14			15
Assumed(2)		4			4						5			6			6			7
All other(3)		34			37						38			39			47			48
Total Reserves	$	490		$	583					$	635		$	658		$	707		$	768
Beginning Reserves	$	583		$	635		$	635		$	658		$	707		$	768		$	849		$	849
Paid claims		(96	)		(81	)		(177	)		(71	)		(84	)		(99	)		(119	)		(373	)
Increase in reserves		3			29			32			48			35			38			38			159
Ending Reserves	$	490		$	583		$	490		$	635		$	658		$	707		$	768		$	635
Beginning Reinsurance Recoverable(4)	$	1		$	2		$	2		$	2		$	2		$	2		$	5		$	5
Ceded paid claims		—			(1	)		(1	)		—			—			—			(3	)		(3	)
Ending Reinsurance Recoverable	$	1		$	1		$	1		$	2		$	2		$	2		$	2		$	2
Loss Ratio(5)		2	%		17	%		9	%		28	%		21	%		24	%		24	%		24	%

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

⁽¹⁾  Direct paid claims and average paid claim in the second quarter of 2017 include payment in relation to an agreement on non-performing loans.

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

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

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

⁽⁵⁾  The ratio of incurred losses and loss adjustment expenses to net earned premiums.

19

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Delinquency Metrics—U.S. Mortgage Insurance Segment

(dollar amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Number of Primary Delinquencies
Flow		19,733			22,036						24,631			24,720			24,753			26,491
Bulk loans with an established reserve		653			695						756			778			732			776
Bulk loans with no reserve(1)		291			288						322			305			313			335
Total Number of Primary Delinquencies		20,677			23,019						25,709			25,803			25,798			27,602
Beginning Number of Primary Delinquencies		23,019			25,709			25,709			25,803			25,798			27,602			31,663			31,663
New delinquencies		7,776			8,456			16,232			9,504			9,609			8,265			8,761			36,139
Delinquency cures		(8,085	)		(9,583	)		(17,668	)		(8,201	)		(8,043	)		(8,137	)		(10,602	)		(34,983	)
Paid claims		(2,033	)		(1,563	)		(3,596	)		(1,397	)		(1,561	)		(1,932	)		(2,220	)		(7,110	)
Ending Number of Primary Delinquencies		20,677			23,019			20,677			25,709			25,803			25,798			27,602			25,709
Composition of Cures
Reported delinquent and cured-intraquarter		1,697			2,350						1,742			1,798			1,597			2,503
Number of missed payments delinquent prior to cure:
3 payments or less		4,285			5,375						4,660			4,276			4,335			5,775
4 - 11 payments		1,678			1,432						1,301			1,413			1,577			1,443
12 payments or more		425			426						498			556			628			881
Total		8,085			9,583						8,201			8,043			8,137			10,602
Primary Delinquencies by Missed Payment Status
3 payments or less		7,877			8,114						9,703			9,405			8,529			8,395
4 - 11 payments		5,520			6,341						6,548			6,212			6,323			7,254
12 payments or more		7,280			8,564						9,458			10,186			10,946			11,953
Primary Delinquencies		20,677			23,019						25,709			25,803			25,798			27,602
	June 30, 2017
Flow Delinquencies and Percentage Reserved by Payment Status	Delinquencies			Direct Case Reserves(2)			Risk In-Force			Reserves as % of Risk In-Force
3 payments or less in default		7,575		$	36		$	316			11	%
4 - 11 payments in default		5,365			124			229			54	%
12 payments or more in default		6,793			280			333			84	%
Total		19,733		$	440		$	878			50	%
	December 31, 2016
Flow Delinquencies and Percentage Reserved by Payment Status	Delinquencies			Direct Case Reserves(2)			Risk In-Force			Reserves as % of Risk In-Force
3 payments or less in default		9,355		$	49		$	382			13	%
4 - 11 payments in default		6,364			147			268			55	%
12 payments or more in default		8,912			383			434			88	%
Total		24,631		$	579		$	1,084			53	%

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

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

20

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

	2017						2016
	2Q			1Q			4Q			3Q			2Q			1Q
Primary Loans
Primary loans in-force		714,254			703,214			699,841			686,789			668,951			655,300
Primary delinquent loans		20,677			23,019			25,709			25,803			25,798			27,602
Primary delinquency rate		2.89	%		3.27	%		3.67	%		3.76	%		3.86	%		4.21	%
Flow loans in-force		695,383			683,532			678,168			665,821			647,100			632,010
Flow delinquent loans		19,733			22,036			24,631			24,720			24,753			26,491
Flow delinquency rate		2.84	%		3.22	%		3.63	%		3.71	%		3.83	%		4.19	%
Bulk loans in-force		18,871			19,682			21,673			20,968			21,851			23,290
Bulk delinquent loans		944			983			1,078			1,083			1,045			1,111
Bulk delinquency rate		5.00	%		4.99	%		4.97	%		5.17	%		4.78	%		4.77	%
A minus and sub-prime loans in-force		20,797			22,056			23,063			24,281			25,552			26,995
A minus and sub-prime delinquent loans		4,148			4,572			5,252			5,306			5,220			5,546
A minus and sub-prime delinquency rate		19.95	%		20.73	%		22.77	%		21.85	%		20.43	%		20.54	%
Pool Loans
Pool loans in-force		5,406			5,586			5,742			5,896			6,196			6,406
Pool delinquent loans		276			276			325			343			356			369
Pool delinquency rate		5.11	%		4.94	%		5.66	%		5.82	%		5.75	%		5.76	%
Primary Risk In-Force by Credit Quality
Over 735		56	%		55	%		55	%		55	%		54	%		53	%
680-735		31	%		31	%		31	%		31	%		32	%		32	%
660-679(1)		6	%		6	%		6	%		6	%		6	%		6	%
620-659		5	%		6	%		6	%		6	%		6	%		7	%
<620		2	%		2	%		2	%		2	%		2	%		2	%

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

21

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Portfolio Quality Metrics—U.S. Mortgage Insurance Segment

(amounts in millions)

	June 30, 2017
Policy Year	Average Rate(1)			% of Total Reserves(2)			Primary Insurance In-Force		% of Total			Primary Risk In-Force		% of Total			Delinquency Rate
2004 and prior		6.01	%		10.6	%	$	2,555		1.8	%	$	501		1.4	%		12.06	%
2005		5.61	%		10.2			2,359		1.6			568		1.6			11.58	%
2006		5.75	%		16.3			4,233		3.0			993		2.9			11.15	%
2007		5.67	%		34.3			11,070		7.7			2,558		7.4			10.49	%
2008		5.21	%		16.1			9,156		6.4			2,135		6.2			5.90	%
2009		4.94	%		0.8			955		0.7			205		0.6			2.46	%
2010		4.68	%		0.7			1,302		0.9			298		0.9			1.72	%
2011		4.53	%		0.7			1,859		1.3			440		1.3			1.73	%
2012		3.84	%		0.9			4,936		3.4			1,214		3.5			0.85	%
2013		4.05	%		1.6			8,935		6.2			2,205		6.4			0.88	%
2014		4.42	%		3.1			13,397		9.4			3,278		9.5			1.12	%
2015		4.11	%		3.2			24,887		17.4			6,100		17.6			0.68	%
2016		3.86	%		1.5			40,131		28.1			9,773		28.3			0.26	%
2017		4.28	%		—			17,248		12.1			4,275		12.4			0.03	%
Total		4.48	%		100.0	%	$	143,023		100.0	%	$	34,543		100.0	%		2.89	%
	June 30, 2017						March 31, 2017					June 30, 2016
	Primary Risk In-Force			Primary Delinquency Rate			Primary Risk In-Force		Primary Delinquency Rate			Primary Risk In-Force		Primary Delinquency Rate
Lender concentration (by original applicant)	$	34,543			2.89	%	$	33,613		3.27	%	$	31,074		3.86	%
Top 10 lenders		10,348			3.52	%		10,356		4.21	%		10,533		4.71	%
Top 20 lenders		13,774			3.29	%		13,689		3.70	%		13,532		4.67	%
Loan-to-value ratio
95.01% and above	$	5,696			5.59	%	$	5,653		6.21	%	$	5,682		6.80	%
90.01% to 95.00%		17,776			1.98	%		17,122		2.24	%		15,247		2.62	%
80.01% to 90.00%		10,830			2.52	%		10,590		2.89	%		9,858		3.60	%
80.00% and below		241			3.21	%		248		3.20	%		287		3.19	%
Total	$	34,543			2.89	%	$	33,613		3.27	%	$	31,074		3.86	%
Loan grade
Prime	$	33,814			2.38	%	$	32,837		2.71	%	$	30,175		3.20	%
A minus and sub-prime		729			19.95	%		776		20.73	%		899		20.43	%
Total	$	34,543			2.89	%	$	33,613		3.27	%	$	31,074		3.86	%

⁽¹⁾  Average Annual Mortgage Interest Rate.

⁽²⁾  Total reserves were $490 million as of June 30, 2017.

22

Canada Mortgage Insurance Segment

23

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Adjusted Operating Income and Sales—Canada Mortgage Insurance Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	126		$	126		$	252		$	124		$	124		$	122		$	111		$	481
Net investment income		31			32			63			32			33			32			29			126
Net investment gains (losses)		47			11			58			25			—			(8	)		20			37
Policy fees and other income		—			—			—			1			(1	)		1			—			1
Total revenues		204			169			373			182			156			147			160			645
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		4			20			24			23			30			25			26			104
Acquisition and operating expenses, net of deferrals		16			21			37			19			21			19			18			77
Amortization of deferred acquisition costs and intangibles		11			10			21			10			10			10			9			39
Interest expense		5			4			9			5			5			4			4			18
Total benefits and expenses		36			55			91			57			66			58			57			238
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		168			114			282			125			90			89			103			407
Provision for income taxes		56			36			92			37			24			23			29			113
INCOME FROM CONTINUING OPERATIONS		112			78			190			88			66			66			74			294
Less: income from continuing operations attributable to noncontrolling interests		54			38			92			41			30			30			34			135
INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		58			40			98			47			36			36			40			159
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net(1)		(27	)		(6	)		(33	)		(14	)		—			4			(11	)		(21	)
Taxes on adjustments		10			2			12			6			—			(2	)		4			8
ADJUSTED OPERATING INCOME(2)	$	41		$	36		$	77		$	39		$	36		$	38		$	33		$	146
SALES:
New Insurance Written (NIW)
Flow	$	3,700		$	2,300		$	6,000		$	3,900		$	5,300		$	4,400		$	2,500		$	16,100
Bulk		800			8,000			8,800			3,700			5,100			19,700			3,200			31,700
Total Canada NIW(3)	$	4,500		$	10,300		$	14,800		$	7,600		$	10,400		$	24,100		$	5,700		$	47,800
(1)      Net investment (gains) losses were adjusted for the portion of net investment gains (losses) attributable to noncontrolling interests as reconciled below:
Net investment (gains) losses, gross	$	(47	)	$	(11	)	$	(58	)	$	(25	)	$	—		$	8		$	(20	)	$	(37	)
Adjustment for net investment gains (losses) attributable to noncontrolling interests		20			5			25			11			—			(4	)		9			16
Net investment (gains) losses, net	$	(27	)	$	(6	)	$	(33	)	$	(14	)	$	—		$	4		$	(11	)	$	(21	)

⁽²⁾  Adjusted operating income for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $43 million and $77 million for the three and six months ended June 30, 2017, respectively.

⁽³⁾  New insurance written for the Canadian platform adjusted for foreign exchange as compared to the prior year period was $4,700 million and $14,500 million for the three and six months ended June 30, 2017, respectively.

24

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	126		$	96		$	222		$	129		$	172		$	191		$	84		$	576
Loss Ratio(1)		4	%		16	%		10	%		18	%		24	%		20	%		24	%		22	%
Expense Ratio (Net Earned Premiums)(2)		21	%		25	%		23	%		24	%		24	%		24	%		24	%		24	%
Expense Ratio (Net Premiums Written)(3)		21	%		32	%		26	%		23	%		18	%		15	%		32	%		20	%
Primary Insurance In-Force(4)	$	371,500		$	358,900					$	345,600		$	347,300		$	341,600		$	317,400
Primary Risk In-Force(5)
Flow	$	86,500		$	83,200					$	81,600		$	82,300		$	81,400		$	79,900
Bulk		43,500			42,400						39,400			39,200			38,100			31,200
Total	$	130,000		$	125,600					$	121,000		$	121,500		$	119,500		$	111,100
	June 30, 2017									March 31, 2017
Risk In-Force by Loan-To-Value Ratio(6)	Primary			Flow			Bulk			Primary			Flow			Bulk
95.01% and above	$	42,351		$	42,351		$	—		$	40,518		$	40,518		$	—
90.01% to 95.00%		25,826			25,826			—			24,859			24,859			—
80.01% to 90.00%		15,294			15,291			3			14,806			14,803			3
80.00% and below		46,540			3,083			43,457			45,426			2,993			42,433
Total	$	130,011		$	86,551		$	43,460		$	125,609		$	83,173		$	42,436

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

Amounts may not total due to rounding.

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

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

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

⁽⁴⁾  As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding balances in Canada from almost all of its customers. As a result, the company estimates that the outstanding balance of insured mortgages was approximately $174.0 billion, $170.0 billion, $166.0 billion, $170.0 billion, $170.0 billion and $152.0 billion as of June 30, 2017, March 31, 2017, December 31, 2016, September 30, 2016, June 30, 2016 and March 31, 2016, respectively. This is based on the extrapolation of the amounts reported by lenders to the entire insured population.

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

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

25

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(dollar amounts in millions)

Primary Insurance	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
Insured loans in-force(1),(2)		2,082,586			2,074,984			2,029,400			2,006,484			1,968,171
Insured delinquent loans		1,809			2,082			2,070			2,027			1,961
Insured delinquency rate(2),(3)		0.09	%		0.10	%		0.10	%		0.10	%		0.10	%
Flow loans in-force(1)		1,418,076			1,402,813			1,394,067			1,379,020			1,358,927
Flow delinquent loans		1,476			1,697			1,693			1,715			1,669
Flow delinquency rate(3)		0.10	%		0.12	%		0.12	%		0.12	%		0.12	%
Bulk loans in-force(1)		664,510			672,171			635,333			627,464			609,244
Bulk delinquent loans		333			385			377			312			292
Bulk delinquency rate(3)		0.05	%		0.06	%		0.06	%		0.05	%		0.05	%
Loss Metrics	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
Beginning Reserves	$	109		$	112		$	112		$	104		$	102
Paid claims(4)		(21	)		(24	)		(20	)		(20	)		(21	)
Increase in reserves		4			20			23			29			23
Impact of changes in foreign exchange rates		2			1			(3	)		(1	)		—
Ending Reserves	$	94		$	109		$	112		$	112		$	104
	June 30, 2017						March 31, 2017						June 30, 2016
Province and Territory	% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate			% of Primary Risk In-Force			Primary Delinquency Rate
Ontario		47	%		0.03	%		48	%		0.04	%		47	%		0.04	%
Alberta		16			0.19	%		16			0.21	%		16			0.17	%
British Columbia		15			0.06	%		15			0.06	%		15			0.07	%
Quebec		13			0.13	%		13			0.15	%		13			0.17	%
Saskatchewan		3			0.26	%		3			0.27	%		3			0.25	%
Nova Scotia		2			0.17	%		2			0.21	%		2			0.20	%
Manitoba		2			0.08	%		2			0.09	%		2			0.09	%
New Brunswick		1			0.12	%		1			0.18	%		1			0.18	%
All Other		1			0.16	%		—			0.19	%		1			0.12	%
Total		100	%		0.09	%		100	%		0.10	%		100	%		0.10	%
By Policy Year
2008 and prior		34	%		0.04	%		35	%		0.05	%		37	%		0.06	%
2009		3			0.11	%		3			0.14	%		4			0.17	%
2010		5			0.15	%		5			0.17	%		6			0.20	%
2011		5			0.19	%		5			0.23	%		6			0.26	%
2012		7			0.20	%		7			0.23	%		8			0.21	%
2013		7			0.18	%		7			0.20	%		8			0.18	%
2014		8			0.16	%		8			0.16	%		9			0.15	%
2015		12			0.09	%		12			0.10	%		13			0.03	%
2016		14			0.04	%		14			0.04	%		9			—	%
2017		5			0.01	%		4			—	%		—			—	%
Total		100	%		0.09	%		100	%		0.10	%		100	%		0.10	%

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

⁽²⁾  As part of an ongoing effort to improve the estimate of outstanding insurance exposure, the company is receiving updated outstanding loans in-force in Canada from almost all of its customers. As a result, the company estimates that the outstanding loans in-force were 981,000 as of June 30, 2017, 978,000 as of March 31, 2017, 969,000 as of December 31, 2016, 973,000 as of September 30, 2016 and 968,000 as of June 30, 2016. This is based on the extrapolation of the amounts reported by lenders to the entire insured population. The corresponding insured delinquency rate was 0.18% as of June 30, 2017, 0.21% as of March 31, 2017, December 31, 2016 and September 30, 2016 and 0.20% as of June 30, 2016.

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

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

26

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Canada Mortgage Insurance Segment

(Canadian dollar amounts in millions)

	2017								2016
	2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims(1)
Flow	$	30		$	28		$	58	$	25		$	26		$	25		$	24		$	100
Bulk		2			3			5		1			1			2			1			5
Total Paid Claims	$	32		$	31		$	63	$	26		$	27		$	27		$	25		$	105
Average Paid Claim (in thousands)	$	73.6		$	65.3				$	66.3		$	62.0		$	62.5		$	67.8
Average Reserve Per Delinquency (in thousands)	$	67.8		$	69.7				$	72.9		$	72.8		$	69.1		$	65.0
Loss Metrics
Beginning Reserves	$	145		$	151				$	148		$	136		$	132		$	120
Paid claims(1)		(32	)		(31	)				(26	)		(27	)		(27	)		(25	)
Increase in reserves		10			25					29			39			31			37
Ending Reserves	$	123		$	145				$	151		$	148		$	136		$	132
Loan Amount(2)
Over $550K		8	%		8	%				8	%		8	%		8	%		7	%
$400K to $550K		14			14					14			14			14			13
$250K to $400K		34			34					34			33			34			34
$100K to $250K		40			40					40			41			40			42
$100K or Less		4			4					4			4			4			4
Total		100	%		100	%				100	%		100	%		100	%		100	%
Average Primary Loan Size (in thousands)	$	231		$	230				$	229		$	227		$	225		$	222

All amounts presented in Canadian dollars.

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

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

27

Australia Mortgage Insurance Segment

28

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Adjusted Operating Income and Sales—Australia Mortgage Insurance Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q		Total
REVENUES:
Premiums	$	78		$	81		$	159		$	82		$	88		$	86		$	81	$	337
Net investment income		17			21			38			22			23			25			24		94
Net investment gains (losses)		2			20			22			3			4			2			—		9
Total revenues		97			122			219			107			115			113			105		440
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		27			28			55			24			37			31			21		113
Acquisition and operating expenses, net of deferrals		9			23			32			29			23			25			19		96
Amortization of deferred acquisition costs and intangibles		17			4			21			3			4			4			3		14
Interest expense		2			2			4			2			2			3			3		10
Total benefits and expenses		55			57			112			58			66			63			46		233
INCOME FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		42			65			107			49			49			50			59		207
Provision for income taxes		14			22			36			16			16			16			19		67
INCOME FROM CONTINUING OPERATIONS		28			43			71			33			33			34			40		140
Less: income from continuing operations attributable to noncontrolling interests		15			23			38			18			18			18			21		75
INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS		13			20			33			15			15			16			19		65
ADJUSTMENTS TO INCOME FROM CONTINUING OPERATIONS AVAILABLE TO GENWORTH FINANCIAL, INC.’S COMMON STOCKHOLDERS:
Net investment (gains) losses, net(1)		—			(11	)		(11	)		(2	)		(2	)		(1	)		—		(5	)
Taxes on adjustments		(1	)		4			3			1			1			—			—		2
ADJUSTED OPERATING INCOME(2)	$	12		$	13		$	25		$	14		$	14		$	15		$	19	$	62
SALES:
New Insurance Written (NIW)
Flow	$	4,100		$	4,100		$	8,200		$	5,000		$	4,600		$	5,000		$	4,400	$	19,000
Bulk		600			1,000			1,600			—			—			800			—		800
Total Australia NIW(3)	$	4,700		$	5,100		$	9,800		$	5,000		$	4,600		$	5,800		$	4,400	$	19,800
(1)      Net investment (gains) losses were adjusted for the portion of net investment gains (losses) attributable to noncontrolling interests as reconciled below:
Net investment (gains) losses, gross	$	(2	)	$	(20	)	$	(22	)	$	(3	)	$	(4	)	$	(2	)	$	—	$	(9	)
Adjustment for net investment gains (losses) attributable to noncontrolling interests		2			9			11			1			2			1			—		4
Net investment (gains) losses, net	$	—		$	(11	)	$	(11	)	$	(2	)	$	(2	)	$	(1	)	$	—	$	(5	)

⁽²⁾  Adjusted operating income for the Australian platform adjusted for foreign exchange as compared to the prior year period was $12 million and $25 million for the three and six months ended June 30, 2017, respectively.

⁽³⁾  New insurance written for the Australian platform adjusted for foreign exchange as compared to the prior year period was $4,700 million and $9,500 million for the three and six months ended June 30, 2017, respectively.

29

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net Premiums Written	$	58		$	54		$	112		$	62		$	57		$	65		$	47		$	231
Loss Ratio(1)		34	%		35	%		34	%		30	%		42	%		36	%		26	%		34	%
Expense Ratio (Net Earned Premiums)(2)		34	%		33	%		34	%		39	%		31	%		33	%		27	%		33	%
Expense Ratio (Net Premiums Written)(3)		46	%		49	%		48	%		51	%		48	%		44	%		47	%		47	%
Primary Insurance In-Force	$	247,700		$	246,400					$	234,000		$	247,900		$	241,100		$	246,800
Primary Risk In-Force(4)
Flow	$	80,000		$	79,700					$	76,000		$	80,400		$	78,300		$	80,300
Bulk		6,200			6,000						5,400			5,900			5,700			5,700
Total	$	86,200		$	85,700					$	81,400		$	86,300		$	84,000		$	86,000
	June 30, 2017									March 31, 2017
Risk In-Force by Loan-To-Value Ratio(5)	Primary			Flow			Bulk			Primary			Flow			Bulk
95.01% and above	$	14,128		$	14,128		$	—		$	14,329		$	14,329		$	—
90.01% to 95.00%		23,219			23,213			6			22,950			22,944			6
80.01% to 90.00%		23,554			23,483			71			23,215			23,149			66
80.00% and below		25,270			19,198			6,072			25,219			19,300			5,919
Total	$	86,171		$	80,022		$	6,149		$	85,713		$	79,722		$	5,991

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

Amounts may not total due to rounding.

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

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

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

⁽⁴⁾  The business currently provides 100% coverage on the majority of the loans the company insures. For the purpose of representing the risk in-force, Australia has computed an “effective risk in-force” amount which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in-force has been calculated by applying to insurance in-force a factor that represents the highest expected average per-claim payment for any one underwriting year over the life of the business. This factor was 35% for all periods presented. Australia also has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor.

⁽⁵⁾  Loan amount in loan-to-value ratio calculation includes capitalized premiums, where applicable.

30

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(dollar amounts in millions)

Primary Insurance	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
Insured loans in-force		1,438,100			1,443,836			1,464,139			1,470,302			1,477,826
Insured delinquent loans		7,285			6,926			6,731			6,844			6,413
Insured delinquency rate		0.51	%		0.48	%		0.46	%		0.47	%		0.43	%
Flow loans in-force		1,325,477			1,332,468			1,354,616			1,358,286			1,364,756
Flow delinquent loans		7,007			6,650			6,451			6,574			6,143
Flow delinquency rate		0.53	%		0.50	%		0.48	%		0.48	%		0.45	%
Bulk loans in-force		112,623			111,368			109,523			112,016			113,070
Bulk delinquent loans		278			276			280			270			270
Bulk delinquency rate		0.25	%		0.25	%		0.26	%		0.24	%		0.24	%
Loss Metrics	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
Beginning Reserves	$	227		$	211		$	215		$	190		$	181
Paid claims(1)		(30	)		(25	)		(16	)		(18	)		(17	)
Increase in reserves		33			28			25			37			31
Impact of changes in foreign exchange rates		1			13			(13	)		6			(5	)
Ending Reserves	$	231		$	227		$	211		$	215		$	190
	June 30, 2017						March 31, 2017						June 30, 2016
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		28	%		0.32	%		28	%		0.31	%		29	%		0.30	%
Queensland		23			0.72	%		23			0.68	%		23			0.62	%
Victoria		23			0.41	%		23			0.38	%		23			0.37	%
Western Australia		12			0.86	%		12			0.78	%		11			0.61	%
South Australia		6			0.65	%		6			0.66	%		6			0.59	%
Australian Capital Territory		3			0.20	%		3			0.19	%		3			0.19	%
Tasmania		2			0.37	%		2			0.36	%		2			0.36	%
New Zealand		2			0.08	%		2			0.07	%		2			0.10	%
Northern Territory		1			0.44	%		1			0.42	%		1			0.27	%
Total		100	%		0.51	%		100	%		0.48	%		100	%		0.43	%
By Policy Year
2008 and prior		39	%		0.41	%		39	%		0.39	%		41	%		0.39	%
2009		7			1.00	%		7			0.95	%		7			0.84	%
2010		5			0.57	%		5			0.60	%		6			0.55	%
2011		5			0.71	%		5			0.69	%		6			0.58	%
2012		7			0.83	%		7			0.79	%		8			0.64	%
2013		8			0.74	%		8			0.66	%		9			0.54	%
2014		9			0.66	%		10			0.58	%		10			0.36	%
2015		9			0.37	%		9			0.28	%		9			0.11	%
2016		8			0.12	%		8			0.05	%		4			—	%
2017		3			—	%		2			—	%		—			—	%
Total		100	%		0.51	%		100	%		0.48	%		100	%		0.43	%

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

31

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Selected Key Performance Measures—Australia Mortgage Insurance Segment

(Australian dollar amounts in millions)

	2017								2016
	2Q			1Q			Total		4Q			3Q			2Q			1Q			Total
Paid Claims(1)
Flow	$	40		$	33		$	73	$	21		$	24		$	23		$	18		$	86
Bulk		—			—			—		—			—			—			—			—
Total Paid Claims	$	40		$	33		$	73	$	21		$	24		$	23		$	18		$	86
Average Paid Claim (in thousands)	$	112.7		$	92.5				$	67.1		$	73.3		$	79.2		$	65.8
Average Reserve Per Delinquency (in thousands)	$	41.3		$	42.8				$	43.5		$	41.0		$	39.9		$	40.1
Loss Metrics
Beginning Reserves	$	297		$	293				$	281		$	256		$	236		$	226
Paid claims(1)		(40	)		(33	)				(21	)		(24	)		(23	)		(18	)
Increase in reserves		44			37					33			49			43			28
Ending Reserves	$	301		$	297				$	293		$	281		$	256		$	236
Loan Amount(2)
Over $550K		16	%		16	%				16	%		15	%		15	%		15	%
$400K to $550K		20			20					20			20			20			20
$250K to $400K		35			35					35			36			36			36
$100K to $250K		24			24					24			24			24			24
$100K or Less		5			5					5			5			5			5
Total		100	%		100	%				100	%		100	%		100	%		100	%
Average Primary Loan Size (in thousands)	$	224		$	223				$	221		$	220		$	219		$	218

All amounts presented in Australian dollars.

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

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

32

U.S. Life Insurance Segment

33

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	736		$	758		$	1,494		$	753		$	725		$	756		$	436		$	2,670
Net investment income		694			681			1,375			677			695			670			684			2,726
Net investment gains (losses)		57			7			64			9			21			114			(16	)		128
Policy fees and other income		170			170			340			194			175			180			177			726
Total revenues		1,657			1,616			3,273			1,633			1,616			1,720			1,281			6,250
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		1,163			1,164			2,327			1,419			1,556			1,089			758			4,822
Interest credited		129			132			261			138			140			143			144			565
Acquisition and operating expenses, net of deferrals		144			157			301			135			149			199			165			648
Amortization of deferred acquisition costs and intangibles		101			70			171			172			69			84			78			403
Interest expense		3			3			6			3			2			5			28			38
Total benefits and expenses		1,540			1,526			3,066			1,867			1,916			1,520			1,173			6,476
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		117			90			207			(234	)		(300	)		200			108			(226	)
Provision (benefit) for income taxes		41			32			73			(83	)		(106	)		70			39			(80	)
INCOME (LOSS) FROM CONTINUING OPERATIONS		76			58			134			(151	)		(194	)		130			69			(146	)
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net(1)		(57	)		(8	)		(65	)		(4	)		(21	)		(119	)		11			(133	)
Gains on sale of businesses		—			—			—			—			—			(1	)		—			(1	)
Losses from life block transactions		—			—			—			—			—			—			9			9
Expenses related to restructuring		—			—			—			—			1			3			15			19
Taxes on adjustments		20			3			23			1			7			42			(13	)		37
ADJUSTED OPERATING INCOME (LOSS)	$	39		$	53		$	92		$	(154	)	$	(207	)	$	55		$	91		$	(215	)
(1)      Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:
Net investment (gains) losses, gross	$	(57)		$	(7	)	$	(64	)	$	(9	)	$	(21	)	$	(114	)	$	16		$	(128	)
Adjustment for DAC and other intangible amortization and certain benefit reserves		—			(1	)		(1	)		5			—			(5	)		(5	)		(5	)
Net investment (gains) losses, net	$	(57	)	$	(8	)	$	(65	)	$	(4	)	$	(21	)	$	(119	)	$	11		$	(133	)

34

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	623		$	634		$	1,257		$	650		$	610		$	636		$	618		$	2,514
Net investment income		369			356			725			356			353			344			329			1,382
Net investment gains (losses)		44			3			47			(21	)		17			139			4			139
Policy fees and other income		—			1			1			1			—			—			1			2
Total revenues		1,036			994			2,030			986			980			1,119			952			4,037
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		821			835			1,656			889			1,262			806			776			3,733
Interest credited		—			—			—			—			—			—			—			—
Acquisition and operating expenses, net of deferrals		97			112			209			94			95			93			95			377
Amortization of deferred acquisition costs and intangibles		23			23			46			26			25			26			26			103
Interest expense		—			—			—			—			—			—			—			—
Total benefits and expenses		941			970			1,911			1,009			1,382			925			897			4,213
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		95			24			119			(23	)		(402	)		194			55			(176	)
Provision (benefit) for income taxes		34			8			42			(8	)		(142	)		68			20			(62	)
INCOME (LOSS) FROM CONTINUING OPERATIONS		61			16			77			(15	)		(260	)		126			35			(114	)
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses		(44	)		(3	)		(47	)		21			(17	)		(139	)		(4	)		(139	)
Expenses related to restructuring		—			—			—			—			1			2			3			6
Taxes on adjustments		16			1			17			(7	)		6			48			—			47
ADJUSTED OPERATING INCOME (LOSS)	$	33		$	14		$	47		$	(1	)	$	(270	)	$	37		$	34		$	(200	)
SALES:
Individual Long-Term Care Insurance	$	2		$	2		$	4		$	1		$	2		$	4		$	5		$	12
Group Long-Term Care Insurance		1			1			2			1			3			2			2			8
Total Sales	$	3		$	3		$	6		$	2		$	5		$	6		$	7		$	20
RATIOS:
Loss Ratio(1)		71.0	%		72.0	%		71.5	%		78.6	%		145.5	%		70.1	%		67.6	%		90.0	%
Gross Benefits Ratio(2)		131.8	%		131.6	%		131.7	%		136.9	%		207.0	%		126.7	%		125.5	%		148.5	%

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

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

35

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums(1)	$	113		$	124		$	237		$	103		$	115		$	120		$	(185	)	$	153
Net investment income		126			125			251			116			128			117			133			494
Net investment gains (losses)		5			3			8			19			4			(1	)		2			24
Policy fees and other income		167			165			332			190			171			176			173			710
Total revenues	411			417			828			428			418			412			123			1,381
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves(1)		248			261			509			470			216			231			(87	)		830
Interest credited		62			63			125			66			64			65			64			259
Acquisition and operating expenses, net of deferrals		33			33			66			36			31			39			51			157
Amortization of deferred acquisition costs and intangibles		62			29			91			133			27			27			33			220
Interest expense		3			3			6			3			2			5			28			38
Total benefits and expenses	408			389			797			708			340			367			89			1,504
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		3			28			31			(280	)		78			45			34			(123	)
Provision (benefit) for income taxes		1			10			11			(100	)		28			16			12			(44	)
INCOME (LOSS) FROM CONTINUING OPERATIONS		2			18			20			(180	)		50			29			22			(79	)
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses		(5	)		(3	)		(8	)		(19	)		(4	)		1			(2	)		(24	)
Gains on sale of businesses		—			—			—			—			—			(1	)		—			(1	)
Losses from life block transactions		—			—			—			—			—			—			9			9
Expenses related to restructuring		—			—			—			—			—			2			8			10
Taxes on adjustments		2			1			3			6			2			—			(6	)		2
ADJUSTED OPERATING INCOME (LOSS)	$	(1	)	$	16		$	15		$	(193	)	$	48		$	31		$	31		$	(83	)
SALES:
Term Life	$	—		$	—		$	—		$	—		$	—		$	2		$	5		$	7
Universal Life		—			1			1			—			1			1			2			4
Linked-Benefits		—			—			—			—			—			1			2			3
Total Sales	$	—		$	1		$	1		$	—		$	1		$	4		$	9		$	14

⁽¹⁾  In January 2016, as part of a life block transaction, the company entered into a new reinsurance agreement to cede certain of its term life insurance policies. This new reinsurance agreement primarily reduced premiums by $326 million and reduced benefits and other changes in policy reserves by $331 million for the amounts initially ceded.

36

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

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

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	—		$	—		$	—		$	—		$	—		$	—		$	3		$	3
Net investment income		199			200			399			205			214			209			222			850
Net investment gains (losses)		8			1			9			11			—			(24	)		(22	)		(35	)
Policy fees and other income		3			4			7			3			4			4			3			14
Total revenues		210			205			415			219			218			189			206			832
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves(1)		94			68			162			60			78			52			69			259
Interest credited		67			69			136			72			76			78			80			306
Acquisition and operating expenses, net of deferrals(2)		14			12			26			5			23			67			19			114
Amortization of deferred acquisition costs and intangibles		16			18			34			13			17			31			19			80
Interest expense		—			—			—			—			—			—			—			—
Total benefits and expenses		191			167			358			150			194			228			187			759
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		19			38			57			69			24			(39	)		19			73
Provision (benefit) for income taxes		6			14			20			25			8			(14	)		7			26
INCOME (LOSS) FROM CONTINUING OPERATIONS		13			24			37			44			16			(25	)		12			47
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net(3)		(8	)		(2	)		(10	)		(6	)		—			19			17			30
Expenses related to restructuring		—			—			—			—			—			(1	)		4			3
Taxes on adjustments		2			1			3			2			(1	)		(6	)		(7	)		(12	)
ADJUSTED OPERATING INCOME (LOSS)	$	7		$	23		$	30		$	40		$	15		$	(13	)	$	26		$	68
SALES:
Single Premium Deferred Annuities	$	1		$	1		$	2		$	—		$	1		$	8		$	159		$	168
Single Premium Immediate Annuities.		—			1			1			—			—			1			9			10
Total Sales	$	1		$	2		$	3		$	—		$	1		$	9		$	168		$	178
(1)      In the second quarter of 2016, benefits and other changes in policy reserves included $45 million of lower assumed reinsurance in connection with the recapture by a third party.
(2)      In the second quarter of 2016, acquisition and operating expenses, net of deferrals, included a $55 million payment in connection with the recapture by a third party.
(3)      Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:
Net investment (gains) losses, gross	$	(8	)	$	(1	)	$	(9	)	$	(11	)	$	—		$	24		$	22		$	35
Adjustment for DAC and other intangible amortization and certain benefit reserves		—			(1	)		(1	)		5			—			(5	)		(5	)		(5	)
Net investment (gains) losses, net	$	(8	)	$	(2	)	$	(10	)	$	(6	)	$	—		$	19		$	17		$	30

37

Runoff Segment

38

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Adjusted Operating Income—Runoff Segment

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Net investment income	$	41		$	38		$	79		$	39		$	37		$	36		$	35		$	147
Net investment gains (losses)		7			8			15			3			4			(13	)		(8	)		(14	)
Policy fees and other income		41			41			82			42			43			42			42			169
Total revenues		89			87			176			84			84			65			69			302
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		9			4			13			16			2			9			15			42
Interest credited		34			35			69			35			33			30			33			131
Acquisition and operating expenses, net of deferrals		16			15			31			14			20			18			16			68
Amortization of deferred acquisition costs and intangibles		7			6			13			4			7			12			6			29
Interest expense		1			—			1			—			1			—			—			1
Total benefits and expenses		67			60			127			69			63			69			70			271
INCOME (LOSS) FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		22			27			49			15			21			(4	)		(1	)		31
Provision (benefit) for income taxes		7			8			15			4			6			(2	)		(2	)		6
INCOME (LOSS) FROM CONTINUING OPERATIONS		15			19			34			11			15			(2	)		1			25
ADJUSTMENTS TO INCOME (LOSS) FROM CONTINUING OPERATIONS:
Net investment (gains) losses, net(1)		(7	)		(7	)		(14	)		(7	)		(4	)		12			4			5
Taxes on adjustments		3			2			5			2			1			(4	)		(1	)		(2	)
ADJUSTED OPERATING INCOME	$	11		$	14		$	25		$	6		$	12		$	6		$	4		$	28
(1)      Net investment (gains) losses were adjusted for DAC and other intangible amortization and certain benefit reserves as reconciled below:
Net investment (gains) losses, gross	$	(7	)	$	(8	)	$	(15	)	$	(3	)	$	(4	)	$	13		$	8		$	14
Adjustment for DAC and other intangible amortization and certain benefit reserves		—			1			1			(4	)		—			(1	)		(4	)		(9	)
Net investment (gains) losses, net	$	(7	)	$	(7	)	$	(14	)	$	(7	)	$	(4	)	$	12		$	4		$	5

39

Corporate and Other

40

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Adjusted Operating Loss—Corporate and Other⁽¹⁾

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
REVENUES:
Premiums	$	1		$	2		$	3		$	1		$	2		$	3		$	6		$	12
Net investment income		—			1			1			(1	)		1			1			2			3
Net investment gains (losses)(2)		(12	)		(12	)		(24	)		1			(9	)		(65	)		(14	)		(87	)
Policy fees and other income(3)		(2	)		(1	)		(3	)		2			(1	)		76			1			78
Total revenues		(13	)		(10	)		(23	)		3			(7	)		15			(5	)		6
BENEFITS AND EXPENSES:
Benefits and other changes in policy reserves		—			1			1			—			1			1			2			4
Acquisition and operating expenses, net of deferrals(4)		14			14			28			44			11			25			137			217
Amortization of deferred acquisition costs and intangibles		—			—			—			—			1			—			—			1
Interest expense		63			53			116			65			67			68			70			270
Total benefits and expenses		77			68			145			109			80			94			209			492
LOSS FROM CONTINUING OPERATIONS BEFORE INCOME TAXES		(90	)		(78	)		(168	)		(106	)		(87	)		(79	)		(214	)		(486	)
Provision (benefit) for income taxes		(39	)		(23	)		(62	)		(5	)		246			(31	)		(96	)		114
LOSS FROM CONTINUING OPERATIONS		(51	)		(55	)		(106	)		(101	)		(333	)		(48	)		(118	)		(600	)
ADJUSTMENTS TO LOSS FROM CONTINUING OPERATIONS:
Net investment (gains) losses		12			12			24			(1	)		9			65			14			87
(Gains) losses on sale of businesses		—			—			—			—			—			(9	)		7			(2	)
(Gains) losses on early extinguishment of debt, net		—			—			—			—			—			(64	)		16			(48	)
Expenses related to restructuring		—			1			1			—			—			2			—			2
Fees associated with bond consent solicitation		—			—			—			—			—			—			18			18
Taxes on adjustments		(4	)		(4	)		(8	)		(1	)		(3	)		2			(42	)		(44	)
ADJUSTED OPERATING LOSS	$	(43	)	$	(46	)	$	(89	)	$	(103	)	$	(327	)	$	(52	)	$	(105	)	$	(587	)

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

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

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

⁽⁴⁾  In the first quarter of 2016, acquisition and operating expenses, net of deferrals, included the following: $83 million of legal fees and expenses, including $69 million related to the settlement of the long-term care insurance class action lawsuit; $20 million of make-whole expense on the early redemption of Genworth Holdings’ 2016 senior notes in January 2016; $18 million associated with Genworth Holdings’ bond consent solicitation for broker, advisor and investment banking fees; and an additional estimated loss of $7 million related to the planned sale of the mortgage insurance business in Europe.

41

Additional Financial Data

42

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Investments Summary

(amounts in millions)

		June 30, 2017					March 31, 2017					December 31, 2016					September 30, 2016					June 30, 2016
		Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total			Carrying Amount		% of Total
Composition of Investment Portfolio
Fixed maturity securities:
Investment grade:
Public fixed maturity securities		$	33,699		44	%	$	33,049		44	%	$	33,733		46	%	$	35,544		45	%	$	35,003		45	%
Private fixed maturity securities			12,058		16			11,483		15			11,261		15			11,669		15			11,370		15
Residential mortgage-backed securities(1)			4,257		6			4,340		6			4,314		6			4,742		6			4,981		6
Commercial mortgage-backed securities			3,387		5			3,283		5			3,106		4			3,148		4			2,940		4
Other asset-backed securities			3,181		4			3,214		4			3,140		4			3,310		4			3,279		4
State and political subdivisions			2,805		4			2,710		4			2,647		4			2,823		4			2,751		4
Non-investment grade fixed maturity securities			2,557		3			2,518		3			2,371		3			2,544		3			2,504		3
Equity securities:
Common stocks and mutual funds			219		—			202		—			179		—			175		—			140		—
Preferred stocks			636		1			507		1			453		1			415		1			341		1
Commercial mortgage loans			6,237		8			6,107		8			6,111		8			6,017		8			6,121		8
Restricted commercial mortgage loans related to securitization entities			118		—			122		—			129		—			134		—			141		—
Policy loans			1,824		2			1,761		3			1,742		2			1,751		2			1,754		2
Cash, cash equivalents and short-term investments			3,799		5			4,021		5			3,136		4			3,420		4			3,730		5
Securities lending			226		1			281		1			534		1			417		1			328		—
Other invested assets:	Limited partnerships		240		—			224		—			199		—			188		—			181		—
	Derivatives:
	Long-term care (LTC) forward starting swap—cash flow		243		—			227		—			237		—			735		1			627		1
	Other cash flow		2		—			4		—			4		—			6		—			7		—
	Equity index options—non-qualified		81		—			77		—			72		—			61		—			57		—
	Other non-qualified		418		1			367		1			395		1			529		1			578		1
	Trading portfolio		—		—			71		—			259		1			384		1			441		1
	Restricted other invested assets related to securitization entities		81		—			84		—			312		—			312		—			312		—
	Other		21		—			18		—			19		—			14		—			18		—
Total invested assets and cash		$	76,089		100	%	$	74,670		100	%	$	74,353		100	%	$	78,338		100	%	$	77,604		100	%
Public Fixed Maturity Securities—Credit Quality:
NRSRO(2) Designation
AAA		$	13,541		30	%	$	13,270		30	%	$	14,264		32	%	$	15,608		33	%	$	15,714		33	%
AA			4,244		9			4,369		10			4,283		9			4,536		9			4,455		10
A			13,044		29			12,770		29			12,659		28			13,317		28			13,122		28
BBB			12,972		29			12,688		28			12,380		28			12,632		27			12,154		26
BB			1,476		3			1,489		3			1,334		3			1,464		3			1,440		3
B			114		—			113		—			151		—			145		—			149		—
CCC and lower			60		—			60		—			60		—			53		—			56		—
Total public fixed maturity securities		$	45,451		100	%	$	44,759		100	%	$	45,131		100	%	$	47,755		100	%	$	47,090		100	%
Private Fixed Maturity Securities—Credit Quality:
NRSRO(2) Designation
AAA		$	1,753		11	%	$	1,695		11	%	$	1,661		11	%	$	1,731		11	%	$	1,683		10	%
AA			2,023		12			1,970		12			1,970		13			2,071		13			2,013		13
A			4,957		30			4,836		31			4,719		30			4,937		31			4,864		31
BBB			6,853		42			6,481		41			6,265		41			6,404		40			6,319		40
BB			854		5			802		5			763		5			815		5			734		5
B			40		—			41		—			51		—			51		—			102		1
CCC and lower			13		—			13		—			12		—			16		—			23		—
Total private fixed maturity securities		$	16,493		100	%	$	15,838		100	%	$	15,441		100	%	$	16,025		100	%	$	15,738		100	%

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

⁽²⁾  Nationally Recognized Statistical Rating Organizations.

43

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Fixed Maturity Securities Summary

(amounts in millions)

	June 30, 2017					March 31, 2017					December 31, 2016					September 30, 2016					June 30, 2016
	Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total			Fair Value		% of Total
Fixed Maturity Securities—Security Sector:
U.S. government, agencies and government-sponsored enterprises	$	5,629		9	%	$	5,493		9	%	$	6,036		10	%	$	6,703		11	%	$	6,806		11	%
State and political subdivisions		2,806		4			2,710		4			2,647		4			2,824		4			2,751		4
Foreign government		2,091		3			1,817		3			2,107		3			2,227		3			2,113		3
U.S. corporate		28,071		47			27,423		46			26,828		45			27,695		44			26,984		43
Foreign corporate		12,430		20			12,224		21			12,295		21			13,008		20			12,833		21
Residential mortgage-backed securities		4,319		7			4,404		7			4,379		7			4,823		8			5,055		8
Commercial mortgage-backed securities		3,406		5			3,302		5			3,129		5			3,173		5			2,979		5
Other asset-backed securities		3,192		5			3,224		5			3,151		5			3,327		5			3,307		5
Total fixed maturity securities	$	61,944		100	%	$	60,597		100	%	$	60,572		100	%	$	63,780		100	%	$	62,828		100	%
Corporate Bond Holdings—Industry Sector:
Investment Grade:
Finance and insurance	$	8,961		23	%	$	8,661		23	%	$	8,408		23	%	$	8,756		23	%	$	8,499		23	%
Utilities		5,832		15			5,604		15			5,475		15			5,637		15			5,507		15
Energy		3,151		8			3,049		8			2,944		8			2,961		8			2,949		8
Consumer—non-cyclical		5,346		14			5,316		14			5,268		14			5,483		14			5,292		14
Consumer—cyclical		1,907		5			1,840		5			1,853		5			2,034		5			2,039		5
Capital goods		2,706		7			2,732		7			2,665		7			2,623		7			2,613		7
Industrial		2,093		6			2,025		6			1,908		5			2,006		5			1,971		5
Technology and communications		3,302		9			3,252		9			3,220		9			3,418		9			3,272		9
Transportation		1,853		5			1,841		5			1,839		5			1,868		5			1,860		5
Other		3,077		8			3,045		8			3,406		9			3,605		9			3,538		9
Subtotal		38,228		100	%		37,365		100	%		36,986		100	%		38,391		100	%		37,540		100	%
Non-Investment Grade:
Finance and insurance		219		10	%		244		11	%		227		11	%		242		11	%		285		13	%
Utilities		69		3			51		2			44		2			73		3			74		3
Energy		653		29			685		30			687		32			713		31			679		30
Consumer—non-cyclical		182		8			189		8			180		8			217		9			217		9
Consumer—cyclical		186		8			183		8			119		6			131		6			131		6
Capital goods		155		7			162		7			128		6			152		7			153		7
Industrial		266		12			251		11			273		13			303		13			263		11
Technology and communications		416		18			403		18			365		17			355		15			335		15
Transportation		30		1			29		1			28		1			30		1			30		1
Other		97		4			85		4			86		4			96		4			110		5
Subtotal		2,273		100	%		2,282		100	%		2,137		100	%		2,312		100	%		2,277		100	%
Total	$	40,501		100	%	$	39,647		100	%	$	39,123		100	%	$	40,703		100	%	$	39,817		100	%
Fixed Maturity Securities—Contractual Maturity Dates:
Due in one year or less	$	1,906		3	%	$	1,776		3	%	$	1,721		3	%	$	1,775		3	%	$	1,851		3	%
Due after one year through five years		10,967		18			10,764		18			10,938		18			11,309		18			11,024		18
Due after five years through ten years		12,722		21			12,386		20			12,647		21			13,129		20			12,708		20
Due after ten years		25,432		41			24,741		41			24,607		41			26,244		41			25,904		41
Subtotal		51,027		83			49,667		82			49,913		83			52,457		82			51,487		82
Mortgage and asset-backed securities		10,917		17			10,930		18			10,659		17			11,323		18			11,341		18
Total fixed maturity securities	$	61,944		100	%	$	60,597		100	%	$	60,572		100	%	$	63,780		100	%	$	62,828		100	%

44

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

General Account GAAP Net Investment Income Yields

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
GAAP Net Investment Income
Fixed maturity securities—taxable	$	649		$	641		$	1,290		$	635		$	655		$	634		$	641		$	2,565
Fixed maturity securities—non-taxable		3			3			6			3			3			3			3			12
Commercial mortgage loans		76			77			153			81			79			77			81			318
Restricted commercial mortgage loans related to securitization entities		2			2			4			2			3			3			2			10
Equity securities		9			8			17			8			8			7			5			28
Other invested assets		30			31			61			34			29			33			32			128
Limited partnerships		5			1			6			2			5			—			6			13
Restricted other invested assets related to securitization entities		1			—			1			—			—			1			2			3
Policy loans		39			42			81			39			38			34			35			146
Cash, cash equivalents and short-term investments		10			6			16			4			5			6			5			20
Gross investment income before expenses and fees		824			811			1,635			808			825			798			812			3,243
Expenses and fees		(23	)		(21	)		(44	)		(22	)		(20	)		(19	)		(23	)		(84	)
Net investment income	$	801		$	790		$	1,591		$	786		$	805		$	779		$	789		$	3,159
Annualized Yields
Fixed maturity securities—taxable		4.6	%		4.5	%		4.6	%		4.5	%		4.6	%		4.6	%		4.7	%		4.6	%
Fixed maturity securities—non-taxable		3.7	%		3.7	%		3.7	%		3.7	%		3.7	%		3.6	%		3.6	%		3.6	%
Commercial mortgage loans		4.9	%		5.0	%		5.0	%		5.3	%		5.2	%		5.0	%		5.2	%		5.2	%
Restricted commercial mortgage loans related to securitization entities		6.7	%		6.4	%		6.5	%		6.1	%		7.4	%		8.0	%		5.1	%		7.1	%
Equity securities		5.3	%		4.9	%		5.1	%		5.2	%		5.8	%		5.8	%		5.1	%		5.6	%
Other invested assets		601.0	%		81.1	%		126.5	%		46.2	%		31.6	%		31.9	%		29.4	%		34.5	%
Limited partnerships(1)		8.6	%		1.9	%		5.4	%		4.1	%		10.9	%		—	%		13.2	%		7.0	%
Restricted other invested assets related to securitization entities		4.8	%		—	%		1.3	%		—	%		—	%		1.1	%		2.0	%		0.9	%
Policy loans		8.7	%		9.6	%		9.1	%		8.9	%		8.7	%		8.2	%		8.9	%		8.7	%
Cash, cash equivalents and short-term investments		1.0	%		0.7	%		0.9	%		0.5	%		0.6	%		0.6	%		0.4	%		0.5	%
Gross investment income before expenses and fees		4.7	%		4.7	%		4.7	%		4.6	%		4.7	%		4.6	%		4.6	%		4.6	%
Expenses and fees		-0.1	%		-0.2	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%		-0.1	%
Net investment income		4.6	%		4.5	%		4.6	%		4.5	%		4.6	%		4.5	%		4.5	%		4.5	%

Yields are based on net investment income as reported under GAAP and are consistent with how the company measures its investment performance for management purposes. Yields are annualized, for interim periods, and are calculated as net investment income as a percentage of average quarterly asset carrying values except for fixed maturity and equity securities, derivatives and derivative counterparty collateral, which exclude unrealized fair value adjustments and securities lending activity, which is included in other invested assets and is calculated net of the corresponding securities lending liability. See page 49 herein for average invested assets and cash used in the yield calculation.

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

45

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Net Investment Gains (Losses), Net—Detail

(amounts in millions)

	2017									2016
	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
Net realized gains (losses) on available-for-sale securities:
Fixed maturity securities:
U.S. corporate	$	56		$	15		$	71		$	(1	)	$	2		$	—		$	(7	)	$	(6	)
U.S. government, agencies and government-sponsored enterprises		1			(10	)		(9	)		(19	)		15			137			7			140
Foreign corporate		3			20			23			1			(1	)		(6	)		(8	)		(14	)
Foreign government		1			2			3			1			4			—			—			5
Mortgage-backed securities		—			—			—			13			(1	)		—			—			12
Asset-backed securities		(8	)		(5	)		(13	)		(1	)		(5	)		(10	)		—			(16	)
Equity securities		—			2			2			2			1			—			1			4
Foreign exchange		10			5			15			2			—			1			—			3
Total net realized gains (losses) on available-for-sale securities		63			29			92			(2	)		15			122			(7	)		128
Impairments:
Corporate fixed maturity securities		—			(1	)		(1	)		—			—			(16	)		(8	)		(24	)
Foreign government		—			—			—			—			—			(1	)		—			(1	)
Limited partnerships		(1	)		—			(1	)		—			—			—			(3	)		(3	)
Commercial mortgage loans		—			—			—			—			—			(4	)		—			(4	)
Commercial mortgage-backed securities		—			—			—			—			—			(1	)		—			(1	)
Equity securities		(1	)		—			(1	)		(5	)		(2	)		—			—			(7	)
Total impairments		(2	)		(1	)		(3	)		(5	)		(2	)		(22	)		(11	)		(40	)
Net unrealized gains (losses) on trading securities		1			—			1			(30	)		(4	)		16			28			10
Limited partnerships		—			—			—			6			—			—			—			6
Commercial mortgage loans held-for-sale market valuation allowance		1			1			2			—			(1	)		1			1			1
Net gains (losses) related to securitization entities		2			2			4			1			2			(61	)		8			(50	)
Derivative instruments		36			3			39			72			10			(24	)		(38	)		20
Contingent purchase price valuation change		—			—			—			—			—			(2	)		—			(2	)
Other		—			—			—			(1	)		—			—			—			(1	)
Net investment gains (losses), gross		101			34			135			41			20			30			(19	)		72
Adjustment for DAC and other intangible amortization and certain benefit reserves		—			—			—			(1	)		—			6			9			14
Adjustment for net investment (gains) losses attributable to noncontrolling interests		(22	)		(14	)		(36	)		(12	)		(2	)		3			(9	)		(20	)
Net investment gains (losses), net	$	79		$	20		$	99		$	28		$	18		$	39		$	(19	)	$	66

46

Reconciliations of Non-GAAP Measures

47

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Reconciliation of Operating ROE

(amounts in millions)

Twelve Month Rolling Average ROE	Twelve months ended
	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the twelve months ended(1)	$	(145	)	$	(175	)	$	(277	)	$	(447	)	$	(351	)
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)(2)	$	9,781		$	9,770		$	9,790		$	9,900		$	10,042
GAAP Basis ROE (1)/(2)		-1.5	%		-1.8	%		-2.8	%		-4.5	%		-3.5	%
Operating ROE
Adjusted operating income (loss) for the twelve months ended(1)	$	(248	)	$	(276	)	$	(316	)	$	(261	)	$	208
Quarterly average Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss)(2)	$	9,781		$	9,770		$	9,790		$	9,900		$	10,042
Operating ROE (1)/(2)		-2.5	%		-2.8	%		-3.2	%		-2.6	%		2.1	%
Quarterly Average ROE	Three months ended
	June 30, 2017			March 31, 2017			December 31, 2016			September 30, 2016			June 30, 2016
GAAP Basis ROE
Net income (loss) available to Genworth Financial, Inc.’s common stockholders for the period ended(3)	$	202		$	155		$	(122	)	$	(380	)	$	172
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)(4)	$	9,820		$	9,633		$	9,610		$	9,857		$	9,958
Annualized GAAP Quarterly Basis ROE (3)/(4)		8.2	%		6.4	%		-5.1	%		-15.4	%		6.9	%
Operating ROE
Adjusted operating income (loss) for the period ended(3)	$	151		$	143		$	(137	)	$	(405	)	$	123
Quarterly average Genworth Financial, Inc.’s stockholders’ equity for the period, excluding accumulated other comprehensive income (loss)(4)	$	9,820		$	9,633		$	9,610		$	9,857		$	9,958
Annualized Operating Quarterly Basis ROE (3)/(4)		6.2	%		5.9	%		-5.7	%		-16.4	%		4.9	%

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 adjusted operating income (loss) divided by average ending Genworth Financial, Inc.’s stockholders’ equity, excluding accumulated other comprehensive income (loss) in average ending Genworth Financial, Inc.’s stockholders’ equity. Management believes that analysis of operating ROE enhances understanding of the efficiency with which the company deploys its capital. However, operating ROE is not a substitute for net income (loss) available to Genworth Financial, Inc.’s common stockholders divided by average ending Genworth Financial, Inc.’s stockholders’ equity determined in accordance with GAAP.

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

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

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

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

48

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Reconciliation of Core Yield

		2017									2016
	(Assets— amounts in billions)	2Q			1Q			Total			4Q			3Q			2Q			1Q			Total
	Reported—Total Invested Assets and Cash	$	76.1		$	74.7		$	76.1		$	74.4		$	78.3		$	77.6		$	76.0		$	74.4
	Subtract:
	Securities lending		0.2			0.3			0.2			0.5			0.4			0.3			0.4			0.5
	Unrealized gains (losses)		5.6			4.6			5.6			4.3			7.7			7.6			6.3			4.3
	Adjusted end of period invested assets and cash	$	70.3		$	69.8		$	70.3		$	69.6		$	70.2		$	69.7		$	69.3		$	69.6
(A)	Average Invested Assets and Cash Used in Reported Yield Calculation	$	70.1		$	69.7		$	69.9		$	69.8		$	69.7		$	69.5		$	70.0		$	69.8
	Subtract:
	Restricted commercial mortgage loans and other invested assets related to securitization entities(1)		0.1			0.1			0.1			0.1			0.3			0.1			0.2			0.2
(B)	Average Invested Assets and Cash Used in Core Yield Calculation	$	70.0		$	69.6		$	69.8		$	69.7		$	69.4		$	69.4		$	69.8		$	69.6
	(Income—amounts in millions)
(C)	Reported—Net Investment Income	$	801		$	790		$	1,591		$	786		$	805		$	779		$	789		$	3,159
	Subtract:
	Bond calls and commercial mortgage loan prepayments		8			6			14			22			14			5			11			52
	Other non-core items(2)		8			3			11			(17	)		8			(6	)		15			—
	Restricted commercial mortgage loans and other invested assets related to securitization entities(1)		2			1			3			2			1			2			3			8
(D)	Core Net Investment Income	$	783		$	780		$	1,563		$	779		$	782		$	778		$	760		$	3,099
(C) / (A)	Reported Yield		4.57	%		4.53	%		4.55	%		4.50	%		4.62	%		4.48	%		4.51	%		4.53	%
(D) / (B)	Core Yield		4.47	%		4.48	%		4.48	%		4.47	%		4.51	%		4.48	%		4.36	%		4.45	%

Notes: Columns may not add due to rounding.

Yields have been annualized.

Non-GAAP Definition for Core Yield

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

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

⁽²⁾  Includes cost basis adjustments on structured securities and various other immaterial items.

49

Corporate Information

50

GENWORTH FINANCIAL, INC.

FINANCIAL SUPPLEMENT

SECOND QUARTER 2017

Financial Strength Ratings As Of July 31, 2017

Company	Standard & Poor’s Financial Services LLC (S&P)	Moody’s Investors Service, Inc. (Moody’s)	A.M. Best Company, Inc. (A.M. Best)
Genworth Mortgage Insurance Corporation	BB+ (Marginal)	Ba1 (Questionable)	Not rated
Genworth Financial Mortgage Insurance Company Canada(1)	A+ (Strong)	Not rated	Not rated
Genworth Financial Mortgage Insurance Pty Limited (Australia)(2)	A+ (Strong)	A3 (Good)	Not rated
Genworth Life Insurance Company	BB- (Marginal)	Ba3 (Questionable)	B(Fair)
Genworth Life and Annuity Insurance Company	BB- (Marginal)	Baa2 (Adequate)	B++ (Good)
Genworth Life Insurance Company of New York	BB- (Marginal)	Ba3 (Questionable)	B(Fair)

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

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

Moody’s states that insurance companies rated “A” (Good) offer good financial security, that insurance companies rated “Baa” (Adequate) offer adequate financial security and that insurance companies rated “Ba” (Questionable) offer questionable financial security. The “A” (Good), “Baa” (Adequate) and “Ba” (Questionable) ranges are the third-, fourth- and fifth-highest, respectively, of nine financial strength rating ranges assigned by Moody’s, which range from “Aaa” to “C.” Numeric modifiers are used to refer to the ranking within the group, with 1 being the highest and 3 being the lowest. These modifiers are not added to ratings in the “Aaa” category or to ratings below the “Caa” category. Accordingly, the “A3,” “Baa2,” “Ba1” and “Ba3” ratings are the seventh-, ninth-, eleventh- and thirteenth-highest, respectively, of Moody’s 21 ratings categories.

A.M. Best states that the “B++” (Good) rating is assigned to those companies that have, in its opinion, a good ability to meet their ongoing insurance obligations while “B” (Fair) is assigned to those companies that have, in its opinion, a fair ability to meet their ongoing insurance obligations. The “B++” (Good) and “B” (Fair) ratings are the fifth- and seventh-highest of 15 ratings assigned by A.M. Best, which range from “A++” to “F.”

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

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

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

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

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

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

51

EX-99.3

Earnings Summary August 1, 2017 Second Quarter 2017 Exhibit 99.3

Genworth 2Q17 Earnings Presentation - August 1, 2017 This presentation contains certain “forward-looking statements” within the meaning of the United States Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “anticipates,” “intends,” “plans,” “believes,” “seeks,” “estimates,” “will” or words of similar meaning & include, but are not limited to, statements regarding the outlook for future business and financial performance of Genworth Financial, Inc. (Genworth) and its consolidated subsidiaries. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including those discussed at the end of this presentation, as well as in the risk factors section of Genworth’s Annual Report on Form 10-K, filed with the United States Securities and Exchange Commission (SEC) on February 27, 2017. Genworth undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise. Non-GAAP1 And Other Items All financial data is as of June 30, 2017 unless otherwise noted. For additional information, please see Genworth’s second quarter of 2017 earnings release and financial supplement posted at genworth.com. For important information regarding the use of non-GAAP and selected operating performance measures, see the Appendix. Unless otherwise noted, all references in this presentation to net income (loss) and adjusted operating income (loss) should be read as net income (loss) available to Genworth’s common stockholders and adjusted operating income (loss) available to Genworth’s common stockholders, respectively. Cautionary Note Regarding Forward-Looking Statements 1U.S. Generally Accepted Accounting Principles

Key Financial Themes For The 2nd Quarter Financial Performance U.S. Mortgage Insurance (MI) Second Quarter 2017 Adjusted Operating Earnings Increased 49% Compared To the Second Quarter Of 2016, Which Includes A Favorable $10MM Reserve Adjustment In The Current Quarter U.S. MI PMIERs1 Capital Level At 122%, In Excess Of $500MM Above Requirements & Up From 118% In The Prior Quarter & 115% In The Second Quarter 2016 Strong Loss Ratio Performance & Capital Levels For Canada MI Long Term Care Insurance (LTC) Continues To See Favorable Seasonal Existing Claim Experience & Strong In-Force Rate Action Results Holding Company Cash & Liquid Assets Of ~$860 Million Genworth 2Q17 Earnings Presentation - August 1, 2017 1Private Mortgage Insurer Eligibility Requirements

2Q17 Results Summary – Genworth Consolidated U.S. MI: $91MM Continued Benefit In Net Cures & Aging Driving Favorable Reserve Adjustment Strong Loss Ratio Performance Canada MI: $41MM Decrease In New Delinquencies & Strong Cure Activity Strong Loss Ratio Performance Australia MI: $12MM Favorable Non-Reinsurance Recoveries On Paid Claims Seasonally Higher Net Cures & Aging Benefits; Continued Pressure From Mining Regions U.S. Life Insurance: $39MM Favorable Impact From LTC In Force Rate Actions LTC Favorable Seasonal Existing Claim Experience Higher Lapses In Life Insurance Runoff: $11MM Unfavorable Mortality Offsetting Market Performance Corporate & Other: $(43)MM Favorable Tax Adjustments Adjusted Operating Income (Loss)1 ($MM) 1Non-GAAP Measure, See Appendix For Additional Information Genworth 2Q17 Earnings Presentation - August 1, 2017 Net Income 202 151 143 123 Net Income 172 Net Income 155 2Q17 1Q17 2Q16

U.S. Mortgage Insurance ($MM) ($MM) Benefits/Changes In Policy Reserves Premiums Flow NIW9,8007,60011,400 Loss Ratio2%17%24% Primary Delqs (#)20,67723,01925,798 Primary New Delqs (#)7,7768,4568,265 Primary Paid Claims1 (#)2,0331,5631,932 Primary Cures (#)8,0859,5838,137 % Of RIF2 2009+80%79%73% Premiums Up Versus Prior Year On Solid Growth In Insurance In Force Single Premium Mix Relatively Flat Sequentially & Down Versus Prior Year On Selective Participation Loss Ratio Down Sequentially & Versus The Prior Year From Favorable Reserve Adjustment & Improved Delinquency Performance Loss Ratio Of 2% In 2Q17 Included A Favorable Reserve Adjustment Of 8 Points RIF2 From 2009+ Continues To Grow As A Percent Of Total 1Direct Paid Claims In The Second Quarter Of 2017 Include Payment In Relation To An Agreement On Non-performing Loans..2Risk In Force 4 Genworth 2Q17 Earnings Presentation - August 1, 2017

Flow NIW3,7002,3004,400 Bulk NIW8008,00019,700 Canada Mortgage Insurance ($MM) ($MM) Loss Ratio4%16%20% Total Delqs (#)1,8092,0821,961 New Delqs (#)9651,2481,164 Paid Claims (#)428479425 Cures (#)810757812 Benefits/Changes In Policy Reserves Premiums Unfavorable $4MM Premium Impact From Foreign Exchange (FX) Versus Prior Year & Unfavorable $2MM Versus The Prior Quarter Flow NIW Increased Versus The Prior Quarter From Seasonally Larger Originations Market & Decreased Versus The Prior Year From A Smaller Market Size Bulk NIW Decreased Versus The Prior Quarter & Prior Year As A Result Of Regulatory Changes Introduced In 2016 Loss Ratio Down Sequentially & Versus The Prior Year From A Decrease In New Delinquencies, Net Of Cures & Lower Average Reserve Per Delinquency 2017 Full Year Loss Ratio Outlook Changed To A Range Of 15-25% From 20-30% Genworth 2Q17 Earnings Presentation - August 1, 2017

Australia Mortgage Insurance ($MM) ($MM) Benefits/Changes In Policy Reserves Premiums Flow NIW4,1004,1005,000 Bulk NIW6001,000800 Loss Ratio34%35%36% Total Delqs (#)7,2856,9266,413 New Delqs (#)3,1452,8523,215 Paid Claims (#)355356286 Cures (#)2,4312,3012,405 Minimal Foreign Exchange (FX) Impact On Premiums Versus Prior Quarter & Prior Year Flow NIW Flat Sequentially & Down Versus Prior Year Primarily From Lower Market Penetration Attributable To A Change In Customer Mix Loss Ratio Down Slightly Versus The Prior Quarter & Prior Year With An 8 Point Positive Impact From Non-Reinsurance Recoveries On Paid Claims Sequential Seasonal Increase In New Delinquencies, Net Of Cures 2017 Full Year Loss Ratio Outlook Maintained At A Range Of 40-50% Genworth 2Q17 Earnings Presentation - August 1, 2017

MI Businesses – Capital Adequacy1 1Company Estimate For 2Q17, Due To Timing Of The Filing Of Statutory Statements; 2Risk-To-Capital; 3Calculated As Available Assets Divided By Required Assets As Defined Within PMIERs. As of June 30, 2017, March 31, 2017 & June 30, 2016, The PMIERs Sufficiency Ratios Were In Excess Of $500 Million, $400 Million & $350 Million, Respectively, Of Available Assets Above The PMIERs Requirements; 4Minimum Capital Test; 5Prescribed Capital Amount New Regulatory Capital Framework Effective January 1, 2017 With Recalibrated Minimum Requirement Of 150% & Targeted Range Of 160 - 165% Target PCA Range: 132 to 144% Target MCT Ratio: 220% Portfolio Seasoning Continues To Lower Required Capital & Improve The PCA Ratio Strong PMIERS Sufficiency Ratio In Excess Of $500MM Above Requirements Australia – PCA5 (%) Canada – MCT4 (%) U.S. MI – Consolidated RTC2 Target RTC Ratio: <18.0:1 PMIERs Sufficiency3122% 118%115% Genworth 2Q17 Earnings Presentation - August 1, 2017 Target MCT Range: 160 - 165%

2Q17 Summary – U.S. Life Insurance ($MM) Adjusted Operating Income (Loss) 39 53 55 Life Fixed Annuities LTC Highlights LTC: $33MM Sequentially Higher Premiums & Reserve Releases From Rate Increases & Associated Reduced Benefit Elections By Policyholders Favorable Seasonal Existing Claim Experience First Half Results Reflect Continued Growth Of New Claims 2Q17 Favorable Reserve Correction Of $13MM After-Tax & Net Of Profits Followed By Losses Reserves Prior Period Unfavorable Items Include $14MM In 1Q17 & $29MM In 2Q16 Life Insurance: $(1)MM Higher Lapses From Large Books Entering The Post-Level Premium Periods Driving Higher Deferred Acquisition Cost (DAC) Amortization Unfavorable Reserve Growth & Higher DAC Amortization In The First Half Of 2017 Reflecting Universal Life Assumptions Updates From 4Q16 2Q17 Unfavorable Impact Of $14MM After-Tax From Model Corrections & Refinements Fixed Annuities: $7MM 2Q17 $10MM After-Tax Loss Recognition Testing (LRT) Charge From Interest Rates & Unfavorable Mortality As Compared To Prior Quarter 2Q16 Results Include Unfavorable $28MM After-Tax Impacts From LRT & Third Party Reinsurance Recapture Genworth 2Q17 Earnings Presentation - August 1, 2017

Benefits & Other Changes In Policy Reserves & Loss Ratio (%) Long Term Care Insurance Results Reflect Current Low Interest Rate Environment & Variability In Prepayment Speeds, Limited Partnership Performance & Bond Call Income $62MM Estimated Pre-Tax Benefit In 2Q17 From Implemented In Force Premium Rate Actions1 $112MM Estimated Pre-Tax Benefit In 2Q17 From Implemented In Force Premium Rate Actions1 Net Investment Income & Yield Premiums 71.0% 72.0% 70.1% 1$163MM Pre-Tax (Or $106MM After-Tax) Impact From Rate Actions In 2Q17 Includes $(11)MM Pre-Tax Impact From Commissions, Premium Tax & Other Adjustments ($MM) ($MM) ($MM) Genworth 2Q17 Earnings Presentation - August 1, 2017

LTC In Force Premium Rate Increase Estimated Adjusted Operating Income From Rate Actions2 ($MM)186255 38599106 1Includes All Implemented Rate Actions Since 2012. Earned Premium & Reserve Change Estimates Reflect Certain Simplifying Assumptions That May Vary Materially From Actual Historical Results, Including But Not Limited To, A Uniform Rate Of Co-Insurance & Premium Taxes In Addition To Consistent Policyholder Behavior Over Time. Actual Behavior May Differ Significantly From These Assumptions; Excludes Reserve Updates Resulting From Profits Followed By Losses; 2Estimated Adjusted Operating Income From Rate Actions Includes Estimates For Commissions & Premium Taxes, Net Of Tax Of $(8)MM, $(14)MM, $(19)MM, $(4)MM & $(7)MM, Respectively; 32016 Included ($4MM) After-Tax Unfavorable Correction Related To The Calculation For Reduced Benefit Options Premiums, Net Reserve Changes, Net Rate Action Progress Estimated Impact To Adjusted Operating Income (Loss) From Rate Actions & Key Drivers1 10 Genworth 2Q17 Earnings Presentation - August 1, 2017 Approved Filings FY15 Actual FY16 Actual 1Q17 Actual 2Q17 Actual Comments State Filings Approved 69 96 11 25 Majority Of 2017 Approvals Planned For 2H17 Impacted In Force Premium ($MM) 739 719 98 87 Weighted Average % Rate Increase Approved on Impacted In Force 29% 28% 22% 35% Filings Submitted FY15 Actual FY16 Actual 1Q17 Actual 2Q17 Actual Comments State Filings Submitted 79 79 18 28 Filing Activity Expected To Increase In 2H17 In Force Premium Submitted ($MM) 546 834 24 216

Benefits & Other Changes In Policy Reserves Life Insurance Variability In Prepayment Speed Adjustments Impacting Reported Net Investment Income & Yield Unfavorable Mortality Versus Prior Year Reflects Run-Off Block & Elevated Lapses Primarily From Large 15-Year & 20-Year Term Life Insurance Blocks Entering The Post-Level Premium Periods Net Investment Income & Yield Premiums & Policy Fees & Other Income ($MM) ($MM) ($MM) Genworth 2Q17 Earnings Presentation - August 1, 2017

SPDA2 Spread1.55%1.55%1.48% SPIA3 Spread1.19%0.88%0.69% Fixed Annuities 1Net Investment Income Less Interest Credited; 2Single Premium Deferred Annuities; Excludes Fixed Indexed Annuities; 3Single Premium Immediate Annuities; Includes Both Paid & Unpaid Interest Credited; 4Excludes Incurred But Not Reported; Mortality Gain (Loss) Represents The Pre-Tax Income Impact Of The Product's Actual Mortality Experience Compared To The Mortality Assumptions Embedded In The Reserves Of The Product ($MM) ($MM) Benefits/Changes In Policy Reserves & SPIA Mortality Net Investment Spread1 SPIA Mortality G/(L)4(11)3(11) Variability In Prepayment Speeds, Limited Partnership Performance & Bond Call Income Impacting Reported Investment Spreads 2Q17 Negatively Impacted From A $16MM Pre-Tax Reserve Increase From LRT 2Q16 Reflects A Decrease Of $45MM Pre-Tax From Third Party SPIA Reinsurance Recapture Partially Offset By An Increase Of $18MM Pre-Tax Reserve Increase From LRT Genworth 2Q17 Earnings Presentation - August 1, 2017

1Non-GAAP Measure, See Appendix Genworth 2Q17 Earnings Presentation - August 1, 2017 Net Investment Income ($MM) Highlights Net Investment Income GNW Reported Yield4.57%4.53%4.48% GNW Core Yield14.47%4.48%4.48% U.S. Life Ins. Segment Reported Yield4.88%4.80%4.91% Impairments(2)(1)(22) Continued Variability In Net Investment Income From Prepayment Speeds, Limited Partnership Performance & Bond Call Income $2.7B Of Asset Purchases In 2Q17 ~$2.2B Primarily In Investment Grade Public Corporates, Investment Grade Structured Securities, & Commercial Mortgage Loans With An Average Yield Of 3.73% ~$0.5B In Short-Term Holdings & Temporary U.S. Treasuries With An Average Yield Of 1.50%

Genworth 2Q17 Earnings Presentation - August 1, 2017 Variance (141) 1 Holding Company Cash & Liquid Assets Comprise Assets Held In Genworth Holdings, Inc. (The Issuer Of Outstanding Public Debt) Which Is A Wholly-Owned Subsidiary Of Genworth Financial, Inc.; 2 Comprises Cash & Cash Equivalents Of $758 Million & U.S. Government Bonds Of $100 Million As Of 6/30/17 And Cash & Cash Equivalents Of $849 Million & U.S Government Bonds Of $150 Million, As Of 3/31/17 $12MM Of Dividends Received From Canada MI During 2Q17 $(93)MM Holding Company Net Other Items, Includes Taxes Of ~$(73)MM, Primarily Related To Intercompany Tax Settlements and Payments To GE Under The Tax Matters Agreement Balance Includes $175MM Committed To Facilitate The Separation & Isolation Of The LTC Business ~$45MM Restricted Cash/ Liquid Assets ($MM) Cash & Liquid Assets Roll Forward Holding Company Cash & Liquid Assets1 1.5x Debt Int. Exp. ~$74MM Restricted Cash/Liquid Assets

Appendix Genworth 2Q17 Earnings Presentation - August 1, 2017

Total Genworth Financial, Inc.’s Stockholders’ Equity (GAAP) ($MM) 2Q17 1Q17 4Q16 3Q16 2Q16 U.S. MI 2,270 2,183 2,070 2,089 2,015 Canada MI 1,676 1,617 1,565 1,601 1,592 Australia MI 719 701 651 687 706 U.S. Life Insurance 10,842 10,943 10,980 12,897 11,868 LTC1 7,328 7,420 7,621 8,957 8,155 Life Insurance1 2,685 2,615 2,452 2,892 2,640 Fixed Annuities1 829 908 907 1,048 1,073 Runoff1 572 582 671 616 557 Corporate & Other1,2 (3,061) (3,214) (3,293) (3,019) (1,605) Total 13,018 12,812 12,644 14,871 15,133 1Includes Estimate Of Allocated Deferred Tax Balances By Product Line; 2Includes Value Of Long-Term Borrowings Of Genworth Holdings, Inc. Genworth 2Q17 Earnings Presentation - August 1, 2017

Use Of Non-GAAP Measures This presentation includes the non-GAAP financial measures entitled "adjusted operating income (loss)”. The chief operating decision maker evaluates segment performance and allocates resources on the basis of adjusted operating income (loss). The company defines adjusted operating income (loss) as income (loss) from continuing operations excluding the after-tax effects of income attributable to noncontrolling interests, net investment gains (losses), goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions, restructuring costs and infrequent or unusual non-operating items. Gains (losses) on insurance block transactions are defined as gains (losses) on the early extinguishment of non-recourse funding obligations, early termination fees for other financing restructuring and/or resulting gains (losses) on reinsurance restructuring for certain blocks of business. The company excludes net investment gains (losses) and infrequent or unusual non-operating items because the company does not consider them to be related to the operating performance of the company's segments and Corporate and Other activities. A component of the company's net investment gains (losses) is the result of impairments, the size and timing of which can vary significantly depending on market credit cycles. In addition, the size and timing of other investment gains (losses) can be subject to the company's discretion and are influenced by market opportunities, as well as asset-liability matching considerations. Goodwill impairments, gains (losses) on the sale of businesses, gains (losses) on the early extinguishment of debt, gains (losses) on insurance block transactions and restructuring costs are also excluded from adjusted operating income (loss) because, in the company's opinion, they are not indicative of overall operating trends. Infrequent or unusual non-operating items are also excluded from adjusted 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’s common stockholders in accordance with GAAP, the company believes that adjusted operating income (loss) and measures that are derived from or incorporate adjusted 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. Management also uses adjusted operating income (loss) as a basis for determining awards and compensation for senior management and to evaluate performance on a basis comparable to that used by analysts. However, the items excluded from adjusted operating income (loss) have occurred in the past and could, and in some cases will, recur in the future. Adjusted operating income (loss) is not substitute for net income (loss) available to Genworth’s common stockholders determined in accordance with GAAP. In addition, the company's definition of adjusted operating income (loss) may differ from the definitions used by other companies. Adjustments to reconcile net income (loss) attributable to Genworth’s common stockholders and adjusted operating income (loss) assume a 35 percent tax rate (unless otherwise indicated) and are net of the portion attributable to noncontrolling interests. Net investment gains (losses) are also adjusted for deferred acquisition costs (DAC) and other intangible amortization and certain benefit reserves. In June 2016, the company completed the sale of its term life insurance new business platform and recorded a pre-tax gain of $12 million. In May 2016, the company completed the sale of its mortgage insurance business in Europe and recorded an additional pre-tax loss of $2 million. These transactions were excluded from adjusted operating income (loss) for the periods presented as they related to a gain (loss) on the sale of businesses. In June 2016, the company settled restricted borrowings of $70 million related to a securitization entity and recorded a $64 million pre-tax gain related to the early extinguishment of debt. This transaction was excluded from adjusted operating income (loss) for the periods presented as they related to a gain (loss) on the early extinguishment of debt. In the first quarter of 2017, the company recorded a pre-tax expense of $1 million related to restructuring costs as part of an expense reduction plan as the company evaluates and appropriately sizes its organizational needs and expenses. In the second quarter of 2016, the company also recorded a pre-tax expense of $5 million related to restructuring costs. There were no infrequent or unusual items excluded from adjusted operating income (loss) during the periods presented. This presentation includes the non-GAAP financial measure entitled "core yield" as a measure of investment yield. The company defines core yield as the investment yield adjusted for items that do not reflect the underlying performance of the investment portfolio. Management believes that analysis of core yield enhances understanding of the investment yield of the company. However, core yield is not a substitute for investment yield determined in accordance with GAAP. In addition, the company’s definition of core yield may differ from the definitions used by other companies. A reconciliation of core yield to reported GAAP yield is included in this appendix. Genworth 2Q17 Earnings Presentation - August 1, 2017

Reconciliation Of Net Income To Adjusted Operating Income Genworth 2Q17 Earnings Presentation - August 1, 2017

Reconciliation Of Core Yield To Reported Yield Genworth 2Q17 Earnings Presentation - August 1, 2017

Definition Of Selected Operating Performance Measures Management uses selected operating performance measures including ''sales" and "insurance in force" or "risk in force" which are commonly used in the insurance industry as measures of operating performance. Management regularly monitors and reports sales metrics as a measure of volume of new and renewal business generated in a period. Sales refer to new insurance written for mortgage insurance. Sales do not include renewal premiums on policies or contracts written during prior periods. The company considers new insurance written to be a measure of the company's operating performance because they represent a measure of new sales of insurance policies or contracts during a specified period, rather than a measure of the company's revenues or profitability during that period. Management regularly monitors and reports insurance in force and risk in force. Insurance in force for the mortgage insurance businesses is a measure of the aggregate original loan balance for outstanding insurance policies as of the respective reporting date. Risk in force for the U.S. mortgage insurance business is based on the coverage percentage applied to the estimated current outstanding loan balance. For risk in force in the mortgage insurance businesses in Canada and Australia, the company has computed an “effective” risk in force amount, which recognizes that the loss on any particular loan will be reduced by the net proceeds received upon sale of the property. Effective risk in force has been calculated by applying to insurance in force a factor of 35% that represents the highest expected average per-claim payment for any one underwriting year over the life of the company's mortgage insurance businesses in Canada and Australia. In Australia, the company has certain risk share arrangements where it provides pro-rata coverage of certain loans rather than 100% coverage. As a result, for loans with these risk share arrangements, the applicable pro-rata coverage amount provided is used when applying the factor. The company considers insurance in force and risk in force to be measures of the company's operating performance because they represent measures of the size of the business at a specific date which will generate revenues and profits in a future period, rather than measures of the company's revenues or profitability during that period. Management also regularly monitors and reports a loss ratio for the company’s businesses. For the mortgage insurance businesses, the loss ratio is the ratio of incurred losses and loss adjustment expenses to net earned premiums. For the long term care insurance business, the loss ratio is the ratio of benefits and other changes in reserves less tabular interest on reserves less loss adjustment expenses to net earned premiums. The company considers the loss ratio to be a measure of underwriting performance in these businesses and helps to enhance the understanding of the operating performance of the businesses. An assumed tax rate of 35% is utilized in certain adjustments to adjusted operating income (loss) and in the explanation of specific variances of operating performance and investment results. These operating performance measures enable the company to compare its operating performance across periods without regard to revenues or profitability related to policies or contracts sold in prior periods or from investments or other sources. The company allocates the consolidated provision for income taxes to its operating segments. The allocation methodology applies a specific tax rate to the pre-tax income (loss) of each segment, which is then adjusted in each segment to reflect the tax attributes of items unique to that segment such as foreign income. The difference between the consolidated provision for income taxes and the sum of the provision for income taxes in each segment is reflected in Corporate and Other activities. The annually-determined tax rates and adjustments to each segment’s provision for income taxes are estimates which are subject to review and could change from year to year. Results Of Operations By Segment Genworth 2Q17 Earnings Presentation - August 1, 2017

Cautionary Note Regarding Forward-Looking Statements This presentation contains certain “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995. Forward-looking statements may be identified by words such as “expects,” “intends,” “anticipates,” “plans,” “believes,” “seeks,” “estimates,” “will” or words of similar meaning and include, but are not limited to, statements regarding the outlook for the company’s future business and financial performance. Forward-looking statements are based on management’s current expectations and assumptions, which are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. Actual outcomes and results may differ materially due to global political, economic, business, competitive, market, regulatory and other factors and risks, including, but not limited to, the following: risks related to the proposed transaction with China Oceanwide Holdings Group Co., Ltd. (Oceanwide) including: the company's inability to complete the transaction in a timely manner or at all; the parties’ inability to obtain regulatory approvals, or the possibility that the parties may delay the transaction or that materially burdensome or adverse regulatory conditions may be imposed in connection with any such regulatory approvals; existing and potential legal proceedings may be instituted against the company in connection with the announcement of the transaction that may delay the transaction, make it more costly or ultimately preclude it; the risk that the proposed transaction disrupts the company's current plans and operations as a result of the announcement and consummation of the transaction; certain restrictions during the pendency of the transaction that may impact the company's ability to pursue certain business opportunities or strategic transactions; continued availability of capital and financing to the company before, or in the absence of, the consummation of the transaction; further rating agency actions and downgrades in debt or the company's financial strength ratings; changes in applicable laws or regulations; the company’s ability to recognize the anticipated benefits of the transaction; the amount of the costs, fees, expenses and other charges related to the transaction; the risks related to diverting management's attention from the company's ongoing business operations; the merger agreement may be terminated in circumstances that would require the company to pay Oceanwide a fee; the company's ability to attract, recruit, retain and motivate current and prospective employees may be adversely affected; and disruptions and uncertainty relating to the transaction, whether or not it is completed, may harm the company's relationships with its employees, customers, distributors, vendors or other business partners, and may result in a negative impact on the company's business; strategic risks in the event the proposed transaction with Oceanwide is not consummated including: the company's inability to successfully execute alternative strategic plans to effectively address its current business challenges (including with respect to the restructuring of its U.S. life insurance businesses, debt obligations, cost savings, ratings and capital); the company’s ability to continue to sell long term care insurance policies, the company's inability to attract buyers for any businesses or other assets it may seek to sell, or securities it may seek to issue, in each case, in a timely manner and on anticipated terms; failure to obtain any required regulatory, stockholder and/or noteholder approvals or consents for such alternative strategic plans, or the company's challenges changing or being more costly or difficult to successfully address than currently anticipated or the benefits achieved being less than anticipated; inability to achieve anticipated cost-savings in a timely manner; or adverse tax or accounting charges; and inability to increase the capital needed in the company's businesses in a timely manner and on anticipated terms, including through improved business performance, reinsurance or similar transactions, asset sales, securities offerings or otherwise, in each case as and when required; risks relating to estimates, assumptions and valuations including: inadequate reserves and the need to increase reserves (including as a result of any changes the company may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews); inaccurate models; deviations from the company's estimates and actuarial assumptions or other reasons in its long term care insurance, life insurance and/or annuity businesses; accelerated amortization of deferred acquisition costs (DAC) and present value of future profits (PVFP) (including as a result of any changes it may make to its assumptions, methodologies or otherwise in connection with periodic or other reviews); adverse impact on the company's financial results as a result of projected profits followed by projected losses (as is currently the case with its long term care insurance business); and changes in valuation of fixed maturity, equity and trading securities; risks relating to economic, market and political conditions including: downturns and volatility in global economies and equity and credit markets; interest rates and changes in rates (particularly given the historically low interest rate environment) have adversely impacted, and may continue to materially adversely impact, the company's business and profitability; deterioration in economic conditions or a decline in home prices that adversely affect the company's loss experience in mortgage insurance; political and economic instability or changes in government policies; and fluctuations in foreign currency exchange rates and international securities markets; Genworth 2Q17 Earnings Presentation - August 1, 2017

Cautionary Note Regarding Forward-Looking Statements Genworth 2Q17 Earnings Presentation - August 1, 2017 regulatory and legal risks including: extensive regulation of the company's businesses and changes in applicable laws and regulations; litigation and regulatory investigations or other actions; dependence on dividends and other distributions from the company's subsidiaries (particularly its international subsidiaries) and the inability of any subsidiaries to pay dividends or make other distributions to the company, including as a result of the performance of its subsidiaries and insurance, regulatory or corporate law restrictions; adverse change in regulatory requirements, including risk-based capital; changes in regulations adversely affecting the company's international operations; inability to maintain the private mortgage insurer eligibility requirements (PMIERs); inability of the company's U.S. mortgage insurance subsidiaries to meet minimum statutory capital requirements and hazardous financial condition standards; the influence of Federal National Mortgage Association (Fannie Mae), Federal Home Loan Mortgage Corporation (Freddie Mac) and a small number of large mortgage lenders on the U.S. mortgage insurance market and adverse changes to the role or structure of Fannie Mae and Freddie Mac; adverse changes in regulations affecting the company's mortgage insurance businesses; inability to continue to implement actions to mitigate the impact of statutory reserve requirements; impact of additional regulations pursuant to the Dodd-Frank Wall Street Reform and Consumer Protection Act; and changes in accounting and reporting standards; liquidity, financial strength ratings, credit and counterparty risks including: insufficient internal sources to meet liquidity needs and limited or no access to capital (including the company's ability to obtain financing under a credit facility); future adverse rating agency actions, including with respect to rating downgrades or potential downgrades or being put on review for potential downgrade, all of which could have adverse implications for the company, including with respect to key business relationships, product offerings, business results of operations, financial condition and capital needs, strategic plans, collateral obligations and availability and terms of hedging, reinsurance and borrowings; defaults by counterparties to reinsurance arrangements or derivative instruments; defaults or other events impacting the value of the company's fixed maturity securities portfolio; and defaults on the company's commercial mortgage loans or the mortgage loans underlying its investments in commercial mortgage-backed securities and volatility in performance; operational risks including: inability to retain, attract and motivate qualified employees or senior management; ineffective or inadequate risk management in identifying, controlling or mitigating risks; reliance on, and loss of, key customer or distribution relationships; availability, affordability and adequacy of reinsurance to protect the company against losses; competition; competition in the company's mortgage insurance businesses from government and government-owned and government-sponsored enterprises (GSEs) offering mortgage insurance; the design and effectiveness of our disclosure controls and procedures and internal control over financial reporting may not prevent all errors, misstatements or misrepresentations; and failure or any compromise of the security of the company's computer systems, disaster recovery systems and business continuity plans and failures to safeguard, or breaches of, its confidential information; insurance and product-related risks including: the company's inability to increase sufficiently, and in a timely manner, premiums on in force long term care insurance policies and/or reduce in force benefits, and charge higher premiums on new policies, in each case, as currently anticipated and as may be required from time to time in the future (including as a result of the company's failure to obtain any necessary regulatory approvals or unwillingness or inability of policyholders to pay increased premiums); the company's inability to reflect future premium increases and other management actions in its margin calculation as anticipated; failure to sufficiently increase new sales for the company's long term care insurance products; inability to realize anticipated benefits of the company's rescissions, curtailments, loan modifications or other similar programs in its mortgage insurance businesses; premiums for the significant portion of the company's mortgage insurance risk in force with high loan-to-value ratios may not be sufficient to compensate the company for the greater risks associated with those policies; decreases in the volume of high loan-to-value mortgage originations or increases in mortgage insurance cancellations; increases in the use of alternatives to private mortgage insurance and reductions in the level of coverage selected; potential liabilities in connection with the company's U.S. contract underwriting services; and medical advances, such as genetic research and diagnostic imaging, and related legislation that impact policyholder behavior in ways adverse to the company; other risks including: occurrence of natural or man-made disasters or a pandemic; impairments of or valuation allowances against the company's deferred tax assets; the possibility that in certain circumstances the company will be obligated to make payments to General Electric Company (GE) under the tax matters agreement with GE even if its corresponding tax savings are never realized and payments could be accelerated in the event of certain changes in control; and provisions of the company's certificate of incorporation and bylaws and the tax matters agreement with GE may discourage takeover attempts and business combinations that stockholders might consider in their best interests; and risks relating to the company's common stock including: the continued suspension of payment of dividends; and stock price fluctuations. The company undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future developments or otherwise.