Feb 4 (Reuters) - Genworth Mortgage Insurance Australia Ltd GMA.AX :
* FY reported NPAT of $228.0 million - down 29.7 per cent
* Fully franked final ordinary dividend of 14.0 cents per share
* Fully franked special dividend of 5.3 cents per share
* 2016 net earned premium expected to decline by as much as 5 per cent
* Full year 2016 loss ratio expected to be between 25 per cent and 35 per cent
* Expects house price appreciation to moderate in 2016
* FY gross written premium $507.6 mln vs $634.2 mln
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