Aug 21 (Reuters) - Carlton Investments Ltd CIN.AX :
* FY NET PROFIT DOWN 16.3% TO $38.1 MILLION
* FY TOTAL OPERATING REVENUE DOWN 15.1% TO $40.2 MILLION
* DECLARED A FINAL FULLY FRANKED DIVIDEND OF 56 CENTS PER ORDINARY SHARE
* LEVEL OF SPECIAL DIVIDENDS RECEIVED IN 2019 AND 2020 FINANCIAL YEARS NOT EXPECTED TO CONTINUE FOR 2021
* LOWER INTEREST RATES ARE EXPECTED TO CONTINUE FOR SOME TIME THUS REDUCING RETURN ON GROUP'S DEPOSITS