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STATEMENT OF EARNINGSThree months
ended September 30,Nine months
ended September 30,20052004Revenues:PremiumsNet investment incomeNet realized investment gains (losses)Policy fees and other incomeTotal revenuesBenefits and expenses:Benefits and other changes in policy reservesInterest creditedUnderwriting, acquisition, and insurance expenses, net of deferralsAmortization of deferred acquisition costs and intangiblesInterest expenseTotal benefits and expensesEarnings from continuing operations before income taxes and accounting changeProvision for income taxesNet earnings from continuing operations before accounting changeGain on sale of discontinued operations, net of taxesNet earnings before accounting changeCumulative effect of accounting change, net of taxesNet earningsEarnings per common share:Basic$0 .65DilutedSTATEMENT OF FINANCIAL POSITIONSeptember 30,
2005December 31,
2004(Unaudited)AssetsInvestments:Fixed maturities available-for-saleEquity securities available-for-saleMortgage and other loansPolicy loansShort-term investmentsRestricted investments held by securitization entitiesOther invested assetsTotal investmentsCash and cash equivalentsAccrued investment incomeDeferred acquisition costsIntangible assetsGoodwillReinsurance recoverableOther assetsSeparate account assetsTotal assetsLiabilities and Stockholders InterestLiabilities:Future annuity and contract benefitsLiability for policy and contract claimsUnearned premiumsOther policyholder liabilitiesOther liabilitiesNon-recourse funding obligationsShort-term borrowingsLong-term borrowingsSenior notes underlying equity unitsPreferred stockDeferred tax liabilityBorrowings related to securitization entitiesSeparate account liabilitiesTotal liabilitiesCommitments and ContingenciesStockholders interest:Class A Common Stock, $0.001 par value; 1.5 billion shares authorized; 363 million shares issued; 147 million and
344 million shares outstanding as of September 30, 2005 and December 31, 2004, respectivelyClass B Common Stock, $0.001 par value; 700 million shares authorized; 343 million and 127 million shares issued and
outstanding as of September 30, 2005 and December 31, 2004, respectivelyAdditional paid-in capitalAccumulated non-owner changes in stockholders interest:Net unrealized investment gainsDerivatives qualifying as hedgesForeign currency translation and other adjustmentsTotal accumulated non-owner changes in stockholders interestRetained earningsTreasury stock, at cost (19 million shares as of September 30, 2005)Total stockholders interestTotal liabilities and stockholders interestSTATEMENT OF CASH FLOWSNine months ended September 30,Cash flows from operating activities:Adjustments to reconcile net earnings to net cash from operating activities:Amortization of investment discounts and premiumsNet realized investment losses (gains)Charges assessed to policyholdersAcquisition costs deferredDeferred income taxesCorporate overhead allocationChange in certain assets and liabilities:Accrued investment income and other assets, netInsurance reservesOther liabilities and other policy-related balancesTax liabilitiesNet cash from operating activitiesCash flows from investing activities:Proceeds from maturities and repayments of investments:Fixed maturitiesMortgage, policy and other loansProceeds from sales and securitizations of investments:Fixed maturities and equity securitiesPurchases and originations of investments:Payments for businesses purchased, net of cash acquiredProceeds from the sale of discontinued operationsShort-term investment activity, netNet cash from investing activitiesCash flows from financing activities:Proceeds from issuance of investment contractsRedemption and benefit payments on investment contractsShort-term borrowing activity, netProceeds from issuance of non-recourse funding obligationsProceeds from long-term borrowingsNet commercial paper borrowingsCash transferred as part of our corporate reorganizationDividends paid to stockholdersStock-based compensation awards exercisedAcquisition of treasury stock from former majority stockholderCapital contribution received from former majority stockholderNet cash from financing activitiesEffect of exchange rate changes on cash and cash equivalentsNet change in cash and cash equivalentsCash and cash equivalents at beginning of periodCash and cash equivalents at end of periodGENWORTH FINANCIAL, INC.Three months ended
September 30,Nine months ended
September 30,Basic earnings per common share:Basic earnings per common shareDiluted earnings per common share:Diluted earnings per common shareWeighted-average shares used in basic earnings per common share calculationsDilutive securities:Stock purchase contracts underlying equity unitsStock options and stock appreciation rightsRestricted stock unitsWeighted-average shares used in diluted earnings per common share calculations(Dollar amounts in millions)Amortized
cost or
costGross
unrealized
gainsGross
unrealized
lossesEstimated
fair valueFixed maturities:U.S. government, agencies and government sponsored entitiesTax exemptGovernmentnon U.S.U.S. corporateCorporatenon U.S.Mortgage and asset-backedTotal fixed maturitiesEquity securitiesTotal available-for-sale securitiesAccumulated non-owner changes in stockholders
interestRetained
earningsTreasury
stock, at costTotal
stockholders
interestBalances as of December 31, 2004$Changes other than transactions with stockholders:Net unrealized gains on investment securitiesForeign currency translation adjustmentsTotal changes other than transactions with stockholdersDividends and other transactions with stockholdersAcquisition of treasury stockCapital contribution received from our then majority stockholderStock-based compensationBalances as of September 30, 2005Three months ended September 30,Net unrealized gains (losses) on investment securitiesTotalNine months ended September 30,(6) Operating Segment InformationThree months ended September 30,RevenuesProtectionRetirement Income and InvestmentsMortgage InsuranceCorporate and OtherNet earnings (loss) from continuing operations before accounting changeTotal net earnings (loss) from continuing operations before accounting changeAffinityDecember 31, 2004PRO FORMA FINANCIAL INFORMATIONNine months ended September 30, 2004HistoricalPro forma adjustments excluded assets and liabilities(a)Pro forma adjustments reinsurance transactions(b)Pro forma adjustments capital structure(c)Pro formaNet realized investment gainsNet earnings from continuing operationsNet earnings from continuing operations per common share:Weighted-average common shares outstanding:RECONCILIATION TO NET OPERATING EARNINGSThree months ended
September 30,Net realized investment losses (gains), net of taxesNet tax expense related to initial public offeringNet operating earningsExcluded assets and liabilities(a)Reinsurance transactions(b)Capital structure and other(c)Pro forma net earnings from continuing operationsNet realized investment gains, net of taxesPro forma net operating earningsNet earnings per common share:Net earnings from continuing operations before accounting change per common share:Net operating earnings per common share:Pro forma net earnings from continuing operations per common share:Pro forma net operating earnings per common share:Results of OperationsThree months ended
September 30,Pro forma
2004Underwriting, acquisition and insurance expenses, net of deferralsEarnings from continuing operations before income taxesProtection segmentEarnings before income taxesSegment net earningsRetirement Income and Investments segmentThree months ended September 30,Mortgage Insurance segmentThree months ended September 30,Nine months ended September 30,Affinity segmentThree months ended September 30,Nine months ended September 30,Corporate and Other segmentNine months ended September 30,Pro forma 2004Underwriting, acquisition and insurance expenses, net of deferralsEarnings (loss) before income taxes(Benefit) provision for income taxesSegment net lossImpairments of Investment SecuritiesLess Than 12 MonthsAmortized cost or costEstimated fair valueGross unrealized losses% below cost# of securities1.1%0.5%1.0%2.0%1.7%Mortgage and asset backed1.2%1.6%Total temporarily impaired securities% Below costfixed maturities:<20% Below cost20-50% Below cost25.0%>50% Below cost%% Below costequity securities:%Total equity securitiesInvestment gradeBelow investment grade3.9%Not RatedFixed maturities1.3%Not RatedEquity securities12 Months or More3.6%6.1%2.4%2.7%3.8%9.5%3.0%31.3%57.1%10.0%10.3%3.5%Securitization EntitiesAssets:Total(1)Counterparty credit riskS&P ratingMoodys ratingLong term
(exposures over
one year) net of
collateralAggregate limits
(including those
under one year)
net of collateralAggregate Limit
(gross of collateral)AAAAaaAA-Aa3AA2Moodys Rating66%88%Aa33%10%1%2%100%PART II—OTHER INFORMATIONGenworth Financial, Inc. Deferred Compensation Plan (originally adopted on July 20, 2005; technical and administrative amendments adopted on October 19, 2005)Statement of Ratio of Earnings to Fixed ChargesCertification of Michael D. FraizerCertification of Richard P. McKenneyCertification Pursuant to Section 1350 of Chapter 63 of Title 18 of the United States CodeMichael D. FraizerCertification Pursuant to Section 1350 of Chapter 63 of Title 18 of the United States CodeRichard P. McKenneyTABLE OF CONTENTSPreambleARTICLE 1 REFERENCES, CONSTRUCTION AND DEFINITIONSAccountAdjustment DateAffiliateAuthorized Leave of AbsenceBeneficiaryBoardBonusBonus Deferral ElectionCauseCodeCommitteeCompanyCompensationDeferralsEffective DateEmployeeERISAParticipantParticipating CompanyPlanPlan AdministratorPlan YearSalarySalary Deferral ElectionServiceSurviving SpouseTermination of EmploymentARTICLE 2ELIGIBILITY AND PARTICIPATIONEligibilityParticipationDuration of ParticipationARTICLE 3ACCUMULATION OF PLAN BENEFITSDeferral ElectionsDeferral Investments and Deemed EarningsARTICLE 4DISTRIBUTION OF BENEFITSTermination BenefitSpecified Plan Year BenefitSubsequent ElectionsDeathPayment of Plan Benefits Upon Termination for CauseDistributions to Key EmployeesReemploymentFacility of PaymentARTICLE 5UNFORESEEABLE EMERGENCY PAYMENTSUnforeseeable Emergency PaymentsARTICLE 6ADJUSTMENTSAccountsAdjustments to AccountARTICLE 7FORFEITUREForfeitureARTICLE 8ADMINISTRATION OF THE PLANDesignation of CommitteePowers and Duties of the CommitteeAgentsInstructions for PaymentsClaims for BenefitsHold HarmlessService of ProcessARTICLE 9DESIGNATION OF BENEFICIARIESBeneficiary DesignationFailure to Designate BeneficiaryARTICLE 10WITHDRAWAL OF PARTICIPATING COMPANYWithdrawal of Participating CompanyEffect of WithdrawalARTICLE 11AMENDMENT OR TERMINATION OF THE PLANRight to Amend or Terminate the PlanNoticeARTICLE 12GENERAL PROVISIONS AND LIMITATIONSNo Right to Continued EmploymentPayment of Behalf of PayeeNonalienationMissing PayeeRequired InformationBinding EffectMerger or ConsolidationTrustEntire PlanStatement Of Ratio Of Earnings To Fixed ChargesNine months ended
September 30,
2005Year endedDecember 31,
2003December 31,
2002December 31,
2001December 31,
2000Net earnings from continuing operations before income taxes and accounting changesFixed charges included in earnings from continuing operations:Interest portion of rental expenseSubtotalInterest credited to investment contractholdersFixed charges included in earnings from discontinued operations:Total fixed charges from discontinued operationsTotal fixed chargesEarnings available for fixed charges (including interest credited to investment contractholders)Earnings available for fixed charges (excluding interest credited to investment contractholders)Ratio of earnings to fixed charges (including interest credited to investment contractholders)Ratio of earnings to fixed charges (excluding interest credited to investment contractholders)CERTIFICATIONS/S/ MICHAEL D. FRAIZERMichael D. Fraizer Chairman, President and Chief Executive Officer/S/ RICHARD P. MCKENNEYRichard P. McKenney Senior Vice PresidentChief Financial OfficerCertification Pursuant to 18 U.S.C. Section 1350/S/ MICHAEL D.
FRAIZER/S/ RICHARD P.
MCKENNEYPK ! docProps/app.xml
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