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TilskipuninkemurframhaldiaftilskipunuminnstWutryggingar,nr.94/19/EC,semsettvarriW1994.StilskipuntryggirinnstWueigenduruppaWvissumarkigegngreiWsluerfiWleikumviWskiptabankaogsparisj;Wa.LgumumviWskiptabankaogsparisj;WivarbreyttriW1996(lgnr.113/1996),m.a.tilaWuppfyllakvWiinnstWutryggingatilskipunarinnar.Nstarfatveirtryggingarsj;Wir,Tryggingarsj;WurviWskiptabankaogTryggingarsj;Wursparisj;Wa,semtryggjainnstWueigendurgegngreiWsluerfiWleikumogstarfasamkvmtlgumumviWskiptabankaogsparisj;Wi.Sj;WunumerheimiltaWstarfatveimurdeildum,innstWudeild,semtryggirinnstWur,oglnadeild,semgeturveittlnYvskyniaWstyWjaviWreksturinnlnsstofnunar.Tryggingarsj;Wursparisj;WahefurnUttsrYessarheimildirogstarfartveimurdeildumenekkiTryggingarsj;WurviWskiptabanka.  0frumvarpiYessuerlagttilaWTryggingarsj;WurviWskiptabanka,innstWudeildTryggingarsj;Wssparisj;WaognUtttryggingakerfifyrirfjrfestarennisamaneinnsj;W,Tryggingarsj;WinnstWueigendaogfjrfesta.MeWYvyrWitileinnheildstWurtryggingarsj;WursemverndaWiinnstWueigendurogviWskiptavinilnastofnanaogfyrirtkjaverWbrfaYj;nustugegngreiWsluerfiWleikumYessarafyrirtkja.HelsturkaWbakislkumsamrunaeruaWbankastarfsemiogverWbrfastarfsemierorWinmjgsamofin.XerhagsttttfrtryggingarfrWilegusj;narmiWiaWstkkasj;WinnogdreifahttuaukYesssemrekstrarkostnaWuryrWiminni.Fl;kiWsamspiltveggjaeWafleirikerfaerheldurekkifUsilegtfrsj;narmiWineytendaverndar.  MeWfrumvarpinuerlagttilaWnUlgverWisettuminnstWutryggingarogtryggingakerfifyrirfjrfestastaWkaflalgumumviWskiptabankaogsparisj;Wiumtryggingarsj;Wiinnlnsstofnana.XettaergertYarsemfyrirtkiverWbrfaYj;nustuoglnastofnaniraWrarenviWskiptabankarogsparisj;WirerueinnigaWilaraWsj;Wnum.XaukvWifrumvarpsinssemltaaWinnstWutryggingumeruhinsvegarbyggWngildandikvWumlgumumviWskiptabankaogsparisj;Wi.FrumvarpiWeraWnokkrubyggtdnskumlgumenDanirhafannUlegasamYykktlgsembyggjastsvipaWrihugmyndoghrerlgWtil(Lovomengarantifond&  forindskydereoginvestorer,nr.415af26/06/1998).FrumvarpiWersamiWviWskiptarWuneytinu.'!n  HelstuefnisatriWifrumvarpsinseruYessi:L +ABC,D-./=h 4ABCDL A0J   ݀A0Jo__ 2="3  Ԉ0    NUrtryggingarsj;Wur,Tryggingarsj;WurinnstWueigendaogfjrfesta,verWurtilmeW #( sameininguTryggingarsj;WsviWskiptabanka,innstWudeildarTryggingarsj;Wssparisj;WaognUstryggingakerfisfyrirfjrfesta.A0Jop݌  Ќ   A0J   A0Jq__ 2="3  Ԉ0    Sj;WurinnverWursjlfseignarstofnunmeWfimmmannastj;rnogstarfartveimursjlf F&"+ stWumdeildum,innstWudeildogverWbrfadeild.HeimilteraWlnafmillideildannaaWvissumarki.A0Jqq݌'#- Ќ   A0J   A0Jzs__ 2="3  Ԉ0    HeildareigninnstWudeildarsj;Wsinsskalvalltnemaa.m.k.1%afmeWaltalitryggWra - innstWnaviWskiptabnkumogsparisj;Wum.EignirverWbrfadeildarskuluveraa.m.k.100millj.kr.A0Jzss݌  Ќ   A0J   A0J&u__ 2="3  Ԉ0    ViWskiptavinuraWildarfyrirtkisgeturkrafiWsj;WinnumgreiWsluinnstWu,verWbrfa a ogreiWufjrsemhannhefurkrafiWaWildarfyrirtkiumendurgreiWslusamrmiviWYskilmlaergildaogaWildarfyrirtkiWeraWlitiFjrmlaeftirlitsinsekkifrtumaWinnatafarlaustafhendieWannustuframtWvegnagreiWsluerfiWleikaeWaefYaWhefurveriWtekiWtilslita.A0J&uQu݌  Ќ   A0J   A0Jw__ 2="3  Ԉ0    Efeignirsj;WsinshrkkvaekkitilaWgreiWaheildarfjrhWtryggWrainnstWna,verW  X brfaogreiWufjrskalgreiWslursj;WnumskiptYannigmillikrfuhafaaWheildarkrafahversYeirraalltaW1,7millj.kr.verWibttaWfulluenalltsemumframerYessafjrhWskalbtthlutfallslegajafnteftirYvsemeignirsj;Wsinshrkkvatil.Sj;WnumerheimiltaWtakalntilaWgreiWakrfuhfumhrkkvieignirsj;Wsinsekkitil.A0Jww݌  Ќ   A0J   A0Jz__ 2="3  Ԉ0    LagtertilaWviWskiptabnkumogsparisj;WumverWiheimiltaWstofnasjlfseignarstofn |O  anir,ryggissj;Wi,semallirviWskiptabankareWaallirsparisj;WirskuluveraaWilaraWYvskyniaWtryggjafjrhagslegtryggiviWskiptabankaogsparisj;Wa.NerstarfandilnadeildTryggingarsj;Wssparisj;Wasemhefursambrilegarheimildir.A0Jzz݌  Ќ  HelstukvWitilskipunarumtryggingakerfifyrirfjrfesta. sF    MarkmiWiWmeWtilskipuninnieraWkomasamrmdumreglumumlgmarksverndfyrir > fjrfestasemeigakrfuhendurfyrirtkisemhefurstarfsleyfisamkvmttilskipunumfjrfestingarYj;nustusviWiverWbrfaviWskipta,nr.93/22/EC,eWahefurheimildtilaWveitaYj;nustutengslumviWviWskiptimeWverWbrf.HrerttviWfyrirtkiverWbrfaYj;nustuoglnastofnanir.  HafifyrirtkiekkifjrhagslegtbolmagntilaWuppfyllaskuldbindingarsnargagnvartfjrfestumogverWiaWmatilgbrrayfirvaldaekkifrtumaWuppfyllaYrninniframtWfrhverfjrfestirbtursemsvaraaWlgmarkitil20.000evrumsemjafngildirrmlega1,6millj.kr.,efkrafahendurverWbrfafyrirtkinrYeirriupphW.HeimilteraWkveWaaWbturtakmarkistviWkveWiWhlutfallafkrfuenY;verWuraWbtaminnst90%afkrfumlgrien20.000evrur.JafnframterheimiltaWkveWaaWvissirfjrfestarskulitilokaWirfrtryggingakerfinueWaaWtryggingYeirraskuliveralgri.Hrert.d.ttviWhiWopinberaogfagfjrfesta.  TilskipuninerkeimlktilskipunuminnstWutryggingarogmarkmiWiWhiWsama.0tilskipuninniumtryggingakerfifyrirfjrfestaerkveWiWumaWlnastofnanir,semhafaheimildtilaWveitaverWbrfaYj;nustu,falliundirtilskipunina.X;erekkinauWsynlegtaWslklnastofnunfalliundirbWikerfinefannaWuppfyllirbWiskilyrWiinnstWutryggingartilskipunarinnarogtilskipunarumtryggingakerfifyrirfjrfesta.  TilskipuninveitireinungisverndfyrirverWbrfafyrirtkioglnastofnanirsemhafaheimildirtilviWskiptameWverWbrfsamkvmttilskipunumverWbrfaYj;nustusviWiverWbrfaviWskipta.XaWYUWiraWeigendurhlutdeildarskrteinaverWbrfasj;WumeruekkitryggWir.HinsvegareruhlutdeildarskrteinintryggWefYaueruhlutiafverWbrfasafnifjrfestisfjrvrsluhjverWbrfafyrirtki.  EkkierkveWiWumYaWtilskipuninnihvernigtryggingakerfifyrirfjrfestaskulifjrmagnaW.X;ersagtaWfyrirtkiverWbrfaYj;nustuverWiaWjafnaWisjlfaWberakostnaWinnviWfjrmgnunkerfannaogaWfjrhagsleggetakerfannaverWiaWverasamrmiviWhugsanlegarkrfur.KerfinmegasamtekkistefnastWugleikafjrmlakerfisviWkomandiaWildar '#- rkishttu. TryggingakerfifyrirfjrfestaEvr;pu.     TvlndinnanEvr;pusambandsins,BretlandogBelga,hafalengirekiWtryggingakerfi a fyrirfjrfesta.UtanEvr;pusambandsinshefurNoregurtryggingarskyldusemsviparummargttilYeirrarstarfsbyrgWartryggingarsemfyrirtkiverWbrfaYj;nustuhrlandihafa.nnurrkihafaveriWaWkomaf;tkerfi,eWaeruaWYvumYessarmundir,semuppfyllirkvWitilskipunarESB.DanirhafatilaWmyndastofnaWnUjansj;WsembyggistsmuhugmyndogYettafrumvarp.SvargeraeinnigrWfyrirnnumtengsluminnstWutryggingakerfisinsogtryggingakerfisfyrirfjrfesta.  Bretland.      BretarhafarekiWtryggingakerfifrrinu1988.KerfiWerrekiWafsrstakristofnun,In   vestorsCompensationScheme(ICS),semhefurumeitthundraWstarfsmenn.MeginhlutverkICSeraWverndafjrfestagegngreiWsluerfiWleikumverWbrfafyrirtkjalktogtilskipunESB.KerfiWveitirY;munvWtkaritryggingarverndentilskipunin.TildmisverndarYaWfjrfestafyrirslmrirWgjfverWbrfafyrirtkjaoglgmarksverndermunhrri.  ICStryggirfyrstu3,4millj.kr.hverseinstaklingsog90%afnstu2,3millj.kr.HmarksverndhverseinstaklingserYv5,7millj.kr.YeimtmasemfrumvarpiWerlagtfram.KerfiWerfjrmagnaWmeWgjaldillverWbrfafyrirtkienYaueruum1.800.  KrfumverWbrfafyrirtkihefurfjlgaWfrYvICSt;ktilstarfafyrirratug.ICShefuraWjafnaWigreitttum2milljarWakr.sWusturum.EinungisumtundihlutiYeirragreiWslnaervegnaatvikasemgerWuverndsamkvmttilskipunESBvirka.̀Belga. 5   0BelguhafaverWbrfafyrirtkiveriWskylduWtilaWgreiWatryggingarsj;Wfrrinu  1990.Trygginginnrtilallrafjrfesta,hvortheldureinstaklingaeWastofnanafjrfesta.Hstubturfyrirhvernfjrfestieruum5millj.kr.HmarksbtursemkerfiWgreiWirthverjurieru500millj.kr.& a   BelgarmunuYurfaaWgeranokkrarbreytingarkerfinutilaWuppfyllaskilyrWitilskipunarinnar,m.a.aWafnemahmarkYesssemkerfiWgreiWirthverjuri.'a,Noregur. `    Fr1985hefurveriWgildireglugerWNoregiumverndviWskiptavinaverWbrfafyrir X+! tkjasemhefurstoWlgumumverWbrfaviWskipti.VerWbrfafyrirtkiskululeggjaframvtryggingueWabankabyrgWtilaWverndaviWskiptavinigegntj;nisemverWbrfafyrirtkiWveldurYeimmeWstarfsemisinni.Lgmarkstryggingaverndfyrirhvernfjrfestierum2millj.sl.kr.fyrirhverttj;nsatvik.VerWbrfafyrirtkjumerY;heimiltaWsetjahmarkvtryggingusemYauaflasr.XaWhmarkmY;ekkiveralgraen250millj.sl.kr.XaWerntilathugunarhvortYettakerfistenstgagnvarttilskipunESB.  VtryggingintekurekkieinungistilgreiWsluYrotsverWbrfafyrirtkisheldureinnigYessaWYaWvaldifjrfestiskaWab;taskyldutj;ni.ViWskiptavinirsemeigakrfuhendurYrotabifyrirtkisvegnafjrfestingarYj;nustueruekkialmennirkrfuhafarYrotabheldursrtkumennYareWskylteraWhaldaeignumviWskiptamannatryggilegaaWgreindumfrWrumeignum. '#- Danmrk. -   Danirhafaekkihafttryggingakerfifyrirfjrfesta.Lgumtryggingasj;WinnstWueigenda  ogfjrfestavorusettjn1998.GerterrWfyriraWbreikkagrundvlltryggingarsj;WsinnlnsstofnanaYannigaWhanntakieinniggreiWslufalliverWbrfafyrirtkja.SamkvmtfrumvarpinueruinnstWueigendurogviWskiptavinirverWbrfafyrirtkjatryggWiraW3millj.sl.kr.aWhmarkivegnainnstWnaogfjrfestingarYj;nustu.Sj;WurinnskiptistYrennt:innlnsstofnanadeild,verWbrfafyrirtkjadeildoghsnWisbrfadeild.HeimilteraWlnamillideildauppaWvissumarki,reynistinnstWasj;WsdeildekkingilegtilaWbtatj;n.  0athugasemdumviWdanskafrumvarpiWkemurframaWYareWsvomargtslktmeWinnstWutryggingasj;WnumogkvWumtilskipunarinnarumnUttkerfiseWlilegtaWhafasj;WinnaWeinseinn.XaWmunilkaleiWatilminnihttuYvaWhndreifistfleiriaWila.XslklegtaWviWskiptavinirfjrmlafyrirtkjavitibeturumrttsinnefeinnsj;WurtryggirbWiinnstWueigendurogfjrfestaeneftegundfjrmlaYj;nusturWurfjldasj;Wa.  DanirhuguWueinnigaWWrummguleikum.XaWvarmatvinnuh;pssemvannaWgerWtillagnaumtilskipuninaaWtryggingeWabyrgWtryggWiekkifullngjandivernd.Einnigtaldivinnuh;purinnaWsrstakursj;WurfyrirverWbrfafyrirtkiYyrftiaWveramunstrrienefeinnsj;WurtkisameiginlegamluminnlnsstofnanaogverWbrfafyrirtkja.  SvYj;W. sF     0nUsamYykktumlgumumYettaefnikemurframaWstofnaWurverWisrstakurtryggingar > sj;WurfyrirverWbrfafyrirtki,enhannverWinnumtengslumviWinnstWutryggingasj;Winnogsamastj;rnverWiyfirbWumsj;Wunum.BturgreiWastaWhmarki2,5millj.sl.kr.hvernfjrfesti.EkkiergertrWfyrirneinnisjlfshttuviWskiptavinarins.Fjrmlafyrirtki,hiWopinberaogstofnanafjrfestarnj;taekkitryggingarverndar.MiWaWerviWaWsafnaYurfium3milljrWumsl.kr.sj;WtilaWstandaskilYeimkrfumsemkunnaaWfallasj;WinnvegnaYrotsverWbrfafyrirtkja. BturtilinnstWueigendaogfjrfesta0slandi.  i   AlYingihefursettkvWiYrennlgumbturtilinnstWueigendaogfjrfestasemeruviWskiptumviWinnlnastofnanirogfyrirtkiverWbrfaYj;nustu:L )Eh(h+ABC,D-./L A0J   A0J2Eh  1  .3  Ԉ0    InnstWutryggingar,sbr.X.kaflalaganr.113/1996,umviWskiptabankaogsparisj;Wi,  enskaflifjallarumtryggingarsj;Wiinnlnsstofnana.A0J݌  Ќ   A0J   A0J2Eh  2  .3  Ԉ0    TryggingarskyldafyrirtkjaverWbrfaYj;nustu,sbr.3.gr.laganr.13/1996,umverW `  brfaviWskipti,ogreglugerWnr.361/1993,umtryggingarskylduvegnaverWbrfamiWlunarogverWbrfaviWskipta.A0J3݌  Ќ   A0J   A0Jԥ2Eh  3  .3  Ԉ0    SkaWabturvegnamistakaverWbrfamiWstWvaogreikningsstofnana,sbr.lgnr.131/ # 1997,umrafrnaeignarskrninguverWbrfa.A0Jԥ݌  Ќ  InnstWutryggingar. !W%   Tryggingarsj;WurviWskiptabankaogTryggingarsj;Wursparisj;WahafahaftmeWhnduminnstWutryggingarhrlandi.InnstWueigendurerutryggWirgegngreiWsluerfiWleikumbankaogsparisj;WaaWkveWnumarki,einsogkveWiWerumlgumumviWskiptabankaogsparisj;Wi.LgintakamiWaftilskipunEvr;pusambandsinsuminnstWutryggingar.  HlutverkTryggingarsj;WsviWskiptabankasamkvmtlgunumeraWtryggjainnstWueigandaskilgreiWsluinnstWusemhannhefurkrafistendurgreiWsluogviWskiptabankieWatibgeturekkiinntafhendi.MeginhlutverkTryggingarsj;Wssparisj;WaeraWtryggjafjrhagslegtryggiYeirraogfullskilinnlnsfviWendurskipulagningueWaslitsparisj;Ws. '#- Tryggingarsj;Wursparisj;Wastarfartveimurdeildum,innstWudeildoglnadeild,enTryggingarsj;WiviWskiptabankaersamkvmtlgunumheimiltaWstofnalnadeild.Tryggingarsj;WunumerheimiltaWveitavkjandiln.  0bWumsj;WunumerutryggWarinnstWursemorWnarerutilvegnainnlnainnlendumeWaerlendumgjaldmiWlieWamillifrsluhefWbundinnialmennribankastarfsemi.Trygginginnrekkitilskuldabrfa,vxlaogannarrakrafnasemtgefnareruafviWskiptabankaeWasparisj;WiformiverWbrfa.  Efeignirtryggingarsj;WannadugaekkitilaWgreiWaheildarfjrhWtryggWrainnstWnaskalgreiWslursj;WunumskiptYannigmilliinnstWueigendaaWsamanlgWheildarinnstWahversinnstWueigandaalltaW1,7millj.kr.erbttaWfulluenYaWsemumframerhlutfallslegaeftirYvsemeignirsj;Wsinshrkkvatil.TryggingarfjrhWintekurtilheildarinnstWuinnstWueigandaenekkisrhversreikningssemereiguhans.  SamkvmtgildandilgumskalstefntaWYvaWheildareigninnstWudeildatryggingarsj;Wannanemia.m.k.1%afmeWaltalitryggWrainnstWnaviWskiptabnkumogsparisj;WumnstliWnuri.HafiheildareignekkinWYessulgmarkiskuluviWskiptabankarogsparisj;WirgreiWagjaldtilsj;Wsinsernemur0,15%afmeWaltalitryggWrainnstWnahlutaWeigandiviWskiptabankaeWasparisj;Wi.NUrviWskiptabankieWasparisj;WurskalgreiWa0,15%aftryggWuminnstWumsjrogleggjaaukYessframyfirlUsinguumaWhannsbyrgurfyrirmismuninum1%aftryggWuminnstWumoggreiWslutilsj;Wsins.InnstWudeildirbeggjasj;WannahafanW1%lgmarkinu.ViWskiptabankarhafaekkiYurftaWgreiWatilTryggingarsj;WsviWskiptabankafimmr.  Tryggingarsj;WurviWskiptabankavarstofnaWurriW1985semrkisstofnun.SamarvarTryggingarsj;Wursparisj;WagerWuraWsamtryggingarsj;Wiogformisjlfseignarstofnunarensj;Wurinnrekursgusnaafturtilrsins1941.MeWlgumnr.113/1996vorustarfsheimildirsj;WannasamrmdaraWveruleguleytienrekstrarformogeignarhaldYeirraerY;;lkt.EinsogfyrrsagWierTryggingarsj;WurviWskiptabankarkisstofnun.ViWskiptarWherraskipartvomennafYrjstj;rnsj;WsinsogSambandslenskraviWskiptabankaeinn.Tryggingarsj;Wursparisj;Waerhinsvegarsjlfseignarstofnunogerufj;riraffimmstj;rnarmnnumkosniraWalfundiYarsemhveraWiliaWsj;WnumfermeWhlutsamrmiviWhlutdeildsnatryggWuminnstWum.ViWskiptarWherraskiparfimmtamanninnstj;rnsj;Wsins.  0frumvarpiaWlgumnr.113/1996,umviWskiptabankaogsparisj;Wi,vargertrWfyriraWtryggingarsj;WirnirtveirsameinuWusteinntryggingarsj;Winnlnsstofnana.EkkivarhinsvegarmeirihlutaviljiAlYingifyrirslkribreytingu.  0niWurstWunefndarsemfjallaWiumframtWarfyrirkomulaginnstWutryggingahrlandiriW1994ogvarskipuWfulltrumviWskiptabanka,sparisj;Waogstj;rnvaldasagWi:?NefndinleggurtilaWTryggingarsj;WurviWskiptabankaogTryggingarsj;Wursparisj;WastarfiframmeW;breyttumhttiaWWruleytienYvsemreynastkannnauWsynlegtvegnasamrmdrareglnauminnstWutryggingarinnanEvr;pskaefnahagssvWisins.Nefndinleggurm..o.tilaWaWsj;WirnirstarfiaWskildirennumsinn.HinsvegartelurnefndinmargtmlameWYvaWinnannokkurraraverWisj;WirnirsameinaWir.KemurYarhelsttilaWmeWlgumnr.43/1993umviWskiptabankaogsparisj;WihafastarfsheimildirviWskiptabankaogsparisj;WaveriWsamrmdaraWfullu.XannigmtlaaWYrfsparisj;Wannafyrirsrstakansj;Wminnki.AukYesskannsameiningsj;WannaaWdragarrekstrarkostnaWi. TryggingarskyldafyrirtkjaverWbrfaYj;nustu. '",   0lgumnr.20/1989,umverWbrfaviWskiptiogverWbrfasj;Wi,varfyrstkveWiWumaW '#- verWbrfamiWlararskylduaflasrstarfsbyrgWartryggingarhjvtryggingaflagieWabankatryggingarWurenYeirfengjustarfsleyfi.Trygginginskyldibtatj;nerverWbrfamiWlararkynnuaWbakaviWskiptavinummeWstrfumsnum.0athugasemdumviWfrumvarpiWsagWiaWhliWsj;nhafiveriWhfWafYeimtryggingumsemfasteignaslumvrigertaWaflasrtilYessaWWlastleyfitilfasteignaslu.NnarikvWivorusettmeWreglugerW.  NUlgumverWbrfaviWskiptivorusamYykktriW1993ogreglugerWbyggWYeimfylgdikjlfariW.EnnvorunUlgsamYykktriW1996ennUreglugerWhefurennekkiveriWsett.NgildandireglugerWumtryggingarskylduvegnaverWbrfamiWlunarogverWbrfaviWskiptaerYvnr.361/1993,meWbreytingunr.466/1993.  FleiriaWilumenfyrirtkjumverWbrfaYj;nustuerskyltlgumsamkvmtaWaflasrstarfsbyrgWartryggingar.XarmnefnaendurskoWendur,lgmenn,blasala,vtryggingamiWlaraogfasteignasala.TryggingfyrirtkjaverWbrfaYj;nustuer;venjuvWtkstarfsbyrgWartryggingYarsemhntekurekkiaWeinstileinfaldsgleysisheldureinnigst;rkostlegsgleysisogsetnings.TryggingarskyldantekurtilallrafyrirtkjaverWbrfaYj;nustu,Y.e.bWiverWbrfafyrirtkjaogverWbrfamiWlana,ensemdmiumannaWfyrirkomulagmnefnaaWvtryggingamiWlurumergertskyltaWaflasrstarfsbyrgWartryggingarY;ttekkisgerWsambrilegkrafavtryggingarflg.  0reglugerWumtryggingarskylduerkveWiWumfjrhWarmrk.StarfsbyrgWartryggingverWbrfamiWlanabtiralltaW4,5millj.kr.vegnahverseinstakstj;nsatviksenheildarfjrhWb;tageturY;ekkiorWiWhrrien13,5millj.kr.tmabilinu.SambrilegartlurfyrirverWbrfafyrirtkieru9millj.kr.og27millj.kr,hvorttveggjamiWaWviWverWlagrsins1993.  StarfsbyrgWartryggingfyrirtkjaverWbrfaYj;nustuveitirviWskiptavinumfyrirtkjannaverndgegnskaWab;taskyldutj;nisemYauerutalinberabyrgW.XessitryggingeraWsumuleytivWtkariensverndsemkemurframtilskipunEvr;pusambandsins.MarkmiWiWmeWtilskipunumtryggingarkerfifyrirfjrfestaeraWverndaviWskiptavinigegngreiWsluerfiWleikumfyrirtkisverWbrfaYj;nustueWalnastofnunar.Ekkikemurtiltborgunarrtryggingarkerfinufyrrenlj;steraWverWbrfafyrirtkieWalnastofnungeturekkistaWiWviWskuldbindingarsnaraWmatiFjrmlaeftirlitsins.starfsbyrgWartryggingunageturhinsvegarreyntY;aWekkisumgreiWslufalleWagjaldYrotverWbrfafyrirtkisaWrWa.  AnnarveigamikillmunurstarfsbyrgWartryggingunniogtilskipuninniersaWstarfsbyrgWartryggingunniertiltekiWhmarkvtryggingarfyrirhverteinstakttj;nsatvikogfyrirlltj;nsatvikhverjurientilskipuninnierkveWiWumlgmarksverndfyrirhverneinstakanviWskiptavin.SamkvmttilskipuninnierekkiheimiltaWkveWaumhmarksfjrhW.& , SkaWabturvegnamistakaverWbrfamiWstWvaogreikningsstofnana. #   0rslok1997vorusamYykktlgumrafrnaeignarskrninguverWbrfa.VerWbrfamiW  $ stWvarfstarfsleyfiviWskiptarWherrasamkvmtlgunum.MeWverWbrfamiWstWverWuruppgjrverWbrfaviWskiptarafrntogYarverWaeignirfjrfestaskrWarrafrntfyrir',milligngureikningsstofnana,Y.e.viWskiptabanka,sparisj;Wa,fyrirtkjaverWbrfaYj;nustu,lnastofnanaannarraenviWskiptabankaogsparisj;Wa,SeWlabankansogLnasUslurkisins.VerWbrfsemtekinerutilskrningarverWbrfamiWstWverWaekkigefintpapprogeinalgformlegaskrninginrttindumeigandansverWurverWbrfamiWstW.StofnaWhefurveriWflagumverWbrfamiWstWhrlandi.  MeWtilkomuverWbrfamiWstWvarmunhttaafverWbrfaviWskiptumminnkamjg.HinsvegarermjgmikilvgtaWalmenningureWafyrirtkibWiekkifjrhagslegttj;nefmistk '#- verWastarfsemihennar.AlmenningurogfyrirtkieigaekkiaWYurfaaW;ttastumryggifjrmunasinnaverWbrfamiWstW.  SamkvmtlgumumrafrnaeignarskrninguverWbrfaberverWbrfamiWstWhlutlgabyrgWtj;nisemrakiWverWurtilstarfsemihennartengslumviWtilkynningarumskrningu,breytingareWaafmningurttindareikningimiWstWinni.B;tabyrgWnrY;hvorkitiltj;nsvegnaglataWraviWskiptatkifrantiltj;nsvegna;viWrWanlegraytriatvika.Smureglurgildaumreikningsstofnuneftj;nverWurrakiWtilstarfsemihennar.SamanlagWurbyrgWarsj;WurverWbrfamiWstWvarskalaWlgmarkinema650millj.kr.formibyrgWaeWaannanhtt.  BturfyrirmistkskrninguverWbrfamiWstWerueftiratvikumgreiddarafverWbrfamiWstWeWareikningsstofnun.SrstakurbyrgWarsj;WurerverWbrfamiWstWvegnamistakasemrakinverWatilstarfsemihennar,einsogaWframangreinir,enekkiergerWkrafalgumumsambrilegansj;Wreikningsstofnana.TryggingakerfifyrirfjrfestamunsamkvmttilskipunESBveitafjrfestumkveWnalgmarksverndeffyrirtkiverWbrfaYj;nustugeturekkiafhentverWbrfsemeruvrsluYessogfyrirtkiWerekkifjrhagslegastakkbiWaWstandaviWskuldbindingarsnar.EkkiskiptirmliYessuefnihvortverWbrfinerupapprsformieWarafrnnivrsluverWbrfareikningiumsj;nfyrirtkisverWbrfaYj;nustu. LkurgjaldYrotifyrirtkjaverWbrfaYj;nustu. >    X;svoaWtilskipunumtryggingakerfifyrirfjrfestabyggistaWmestuleytiinnstWu   tryggingatilskipuninnierY;enguaWsWurveigamikillmunurinnstWumogviWskiptummeWverWbrf.InnstWurerumeginuppistaWanfjrmgnunbankaogsparisj;WaogkomaframefnahagsreikningiYeirra.Xessuer;lktfariWhjfyrirtkjumverWbrfaYj;nustu.XaueruoftastaWseljabrfsemgefinerutafYriWjaaWila.VerWbrfsemtryggWerusamkvmttilskipuninnnikomaYvekkiframefnahagsreikningifyrirtkjaverWbrfaYj;nustu.& a   FyrirtkjumverWbrfaYj;nustuerskyltskv.19.gr.lagaumverWbrfaviWskiptiaWhaldafjrmunumviWskiptamannasinnatryggilegaaWgreindumfreignumfyrirtkisins.FyrirtkiverWbrfaYj;nustugeturYvorWiWgjaldYrotanYessaWviWskiptavinir'afyrirtkisinstengslumviWviWskiptimeWverWbrftapifjrmunumsnum.TilaWviWskiptavinirfyrirtkisinstapifjrmunumYurfaaWkomatilst;rkostlegmistkeWasviksamlegtathfi.  :gjrningureraWmetalkurgjaldYrotifyrirtkjaverWbrfaYj;nustu.MeWflugulgbundnueftirlitiogstrngumlagaskilyrWumumeigiWfoghttustUringuttugjaldYrotfyrirtkjaverWbrfaYj;nustuaWveraafarftW.ReynslanannarsstaWarNorWurlndumbendireinmitttilaWsvos.HinsvegarerekkihgtaWtilokaaWviWskiptavinirgetitapaWfjrmunumvegnagjaldYrotsverWbrfafyrirtkis,enmarkmiWtilskipunarinnareraWverndafjrfestagegnslku.  0frumvarpinuergertrWfyriraWeignirverWbrfadeildarsj;WsinsverWia.m.k.100millj.kr.TaliWeraWlkuraWviWskiptavinirfyrirtkjaverWbrfaYj;nustutapimeirifjrmunumgjaldYrotisulitlar.StrWsj;WsinserhlutfallslegasvipuWogsambrilegrasj;WaDanmrkuogSvYj;W.RWherrageturaWtillgustj;rnarsj;WsinskveWiWaWaukaeignirverWbrfadeildarsj;Wsins. FjrhagsstaWatryggingarsj;Wainnlnsstofnana. F&"+   TryggingaskyldarinnstWurviWskiptabnkumogsparisj;Wumvorusamtalsum180 '", milljarWarkr.rslok1997.0lgumnr.113/1996,umviWskiptabankaogsparisj;Wi,segir '#- aWstefntskuliaWYvaWheildareignirinnstWudeildannasua.m.k.1%afsamanlgWumtryggWuminnstWum.EignirinnstWudeildaTryggingasj;WsviWskiptabankaogTryggingasj;Wssparisj;Waeruhinsvegarsamtalstpar2.400millj.kr.eWaum1,3%aftryggingastofni.SamanlagWarinnstWurinnstWudeildumeruYvvelofanviWlgbundiWlgmark.EignirinnstWudeildarTryggingasj;WsviWskiptabankaeruhinsvegarhlutfallslegahrrienTryggingasj;Wssparisj;Wa.EignirinnstWudeildarTryggingasj;WsviWskiptabankavoru1.950millj.kr.rslok1997entryggingaskyldarinnstWurvorusamatma145milljarWarkr.EigndeildarinnarsamsvararYv1,35%aftryggWuminnstWum.EignirinnstWudeildinniumframlgbundiWlgmarkeruYvum500millj.kr.EkkerthefurveriWgreittinnsj;Winnsl.fimmr,eWafrYvaWinnstWannWihinulgbundnalgmarki,ogsWanhefurvxtunsj;WsinsveriWmunbetriennemuraukninguinnlna.XaWbreyttisthinsvegarriW1998.Innlnjukustmeiraennamvxtunsj;Wsins.EigndeildarinnarsemhlutfallaftryggWuminnstWumlkkaWiYvrinu1998.  EignirinnstWudeildarTryggingasj;Wssparisj;Wavoru442millj.kr.rslok1997,entryggingaskyldarinnstWurvoruum39,6milljarWarkr.HlutfalliWerYv1,11%.tlanirgerWurWfyriraWhlutfalliWvri1,15%lokrsins1998.stWanfyrirlgrahlutfallihjTryggingasj;Wisparisj;WaenhjTryggingarsj;WiviWskiptabankaerfyrstogfremstsaWmeWbreytingulgumumviWskiptabankaogsparisj;Wifr1996breyttistmjgstarfsumhverfisj;Wsins.Sj;WnumvarYskiptinnstWudeildoglnadeildenhannhafWiWurveriWrekinneinnideild.:heimilteraWflytjafmillideilda.ViWstofnuninnstWudeildarsj;WsinsvarupphWsemsvarartilYvsemnst1%aftryggWuminnstWumflutthana.  AthugasemdirviWeinstakargreinarfrumvarpsins. r Um1.gr. j=     0greininniersettframYaWmarkmiWlagannaaWveitainnstWueigendumogfjrfestumlgmarksverndgegngreiWsluerfiWleikumviWkomandifyrirtkis.Xeirsemnj;tatryggingarverndareruannarsvegarinnstWueigendurbnkumogsparisj;Wum,sbr.kvWi9.gr.,oghinsvegarviWskiptavinirfyrirtkjasemnUtasrheimildirlagaumverWbrfaviWskiptitilaWstundaviWskiptimeWverWbrf,sbr.Y;kvWi9.gr.HrerttviWviWskiptamenntengslumviWviWskiptimeWverWbrfenekkialmennabirgjafyrirtkisins.XessifyrirtkigetaveriWviWskiptabankar,sparisj;Wir,lnastofnaniraWrarenviWskiptabankarogsparisj;Wir,sbr.lgnr.123/1993,ogfyrirtkiverWbrfaYj;nustu.  & , Um2.gr.    GerterrWfyriraWsrstkstofnun,Tryggingarsj;WurinnstWueigendaogfjrfesta,farimeWtryggingarsamkvmtlgumYessum.FalliWerfrYvaWnefnasj;WinneftirYeimfyrirtkjumsemhanngreiWa,sbr.Trygginga',Xrsj;WviWskiptabankaogTryggingarsj;Wsparisj;Wa,ensj;WurinnYessstaWnefndureftirYeimsemtryggWirerugegngreiWsluerfiWleikumfyrirtkjanna.  LagtertilaWsj;WurinnverWisjlfseignarstofnuneinsogTrygingarsj;Wursparisj;Waern.Tryggingarsj;WurviWskiptabankaerhinsvegarrkisstofnun.Framtil1998voruLandsbanki0slandsogBnaWarbanki0slandsrkisbankarognuturkisbyrgWar.NeruallirviWskiptabankarhinsvegarreknirformihlutaflagaognj;taYvekkirkisbyrgWar.EkkiYykirstWatilaWhinnnUitryggingarsj;WurverWirekinnsemrkisstofnun.XykirfarabestYvaWsj;WurinnverWirekinsemsjlfseignarstofnun,endakemurYskUrtframaWaWilaraWsj;WnumeigaekkiYaWfsemhonumliggur.SjlfseignarstofnunereinnigvelYekktrekstr '#- arformY;ttYaWsreyndarekkivelskilgreintlgum.  Um3.gr.    AWilaraWsj;WnumskulusamkvmtgreininniveraviWskiptabankar,sparisj;Wir,fyrirtkiverWbrfaYj;nustuogaWrirsemnUtasrheimildirlagatilaWstundaviWskiptimeWverWbrf.AllirviWskiptabankar,sparisj;WirogfyrirtkiverWbrfaYj;nustuskulueigaaWildaWsj;WnumenhinsvegarYykirekkirttaWlnastofnanirsemstarfasamkvmtlgumnr.123/1993eigiaWildaWsj;WnumnemaYvaWeinsaWviWkomandilnastofnunnUtisrheimildirlagatilaWstundaverWbrfaviWskipti.SemdmiumaWrarlnastofnanirsemekkinUtasrYessarheimildireruHafnab;tasj;WurogOrkusj;Wur.  Um4.gr.    0greininnierkveWiWumskipanoghfistj;rnarogframkvmdastj;ra.01.mgr.ergerWgreinfyrirskipanstj;rnaroglagttilaWstj;rnsj;Wsinsskipifimmmanns.LagtertilaWaWildarfyrirtkitilnefnimeirihlutastj;rnsj;WsinsenviWskiptarWherratvo.0stj;rnTryggingarsj;WsviWskiptabankaerunYrrmenn,YaraftveirtilnefndirafviWskiptarWherraogeinnfrviWskiptabnkum.0stj;rnTryggingarsj;Wssparisj;Waerufimmmanns,fj;rirfrsparisj;WumogeinntilnefndurafviWskiptarWherra.  02.mgr.kemurframheimildstj;rnartilaWrWaframkvmdastj;raviWsj;Winn,eWasemjaviWlgaWilaumreksturogvrsluhans.EkkiergertrWfyrirfullustarfiframkvmdastj;ra.UmfangstarfseminnarertiltlulegaltiWmeWanekkikemurtiltborgunarrsj;WnumogfelstaWallegaumsj;nmeWinngreiWslumogumsUslumeWverWbrf.Tryggingarsj;WurviWskiptabankaernvrsluSeWlabankansenTryggingarsj;Wursparisj;Wavrslusparisj;Wanna.  03.mgr.komaframhfisskilyrWifyrirstj;rnarmennogframkvmdastj;ra.SkilyrWin3.mgr.eruhinsmuogframkoma3.mgr.6.gr.lagaumopinbereftirlitmeWfjrmlastarfsemi,nr.87/1998.  Um5.gr.    0greininnierkveWiWumaWalfundi.aWalfundiskalleggjaframendurskoWaWanrsreikningogrsskUrslustj;rnaraukYesssemhannsetursj;WnumsamYykktirsemY;skuluhWarsamYykkirWherraaWfenginniumsgnFjrmlaeftirlitsins.& a   SrhvertaWildarfyrirtkirtttilsetuaWildarfundi.02.mgr.erlUsthvernigatkvWumerskiptmillieinstakraflokkafjrmlafyrirtkja.GerterrWfyriraWviWskiptabankarfarimeWhelmingatkvWaaWildarfundiogsparisj;WirmeWfj;rWung.ViWskiptabankarog'asparisj;WirmunueigaaWildaWbWumdeildumsj;Wsins,innstWudeildogverWbrfadeild.FyrirtkiverWbrfaYj;nustuoglnastofnaniraWrarenviWskiptabankarogsparisj;WirmunuhinsvegaraWeinsgreiWaverWbrfadeildsj;WsinsogerlagttilaWYessifyrirtkifarisamanmeWfj;rWungatkvWaaWildarfundi.  Um6.gr.    GreininfjallaruminngreiWslurinnstWudeildsj;WsinsogbyggistllumefnisatriWum80.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.EinsogframkomalmennumathugasemdumverWurhlutfalleignainnstWudeildsj;WsinsnokkruhrraenlgbundiW1%lgmark.GeramrWfyriraWhlutfalleignaTryggingarsj;WsviWskiptabankaogTryggingarsj;Wssparisj;WaaftryggWumeignumhafiveriWum1,24%lokrs1998.:lklegterYvaW '#- komitilinnborgunarviWskiptabankaogsparisj;WainnstWudeildinanstumissirum.0greininnikemurjafnframtframaWgreiWslurtilsj;Wsinssu;endurkrfar.Stj;rnsj;WsinsgeturYvekkirWstafaWtilbakaYeimhlutaeignadeildarinnarsemerumframlgmarkiW.  Um7.gr.    0greininnierkveWiWumaWeignirverWbrfadeildarskuliveraa.m.k.100millj.kr.0tilskipunumtryggingakerfifyrirfjrfestaerekkigertrWfyrirsamrmingufjrmgnuntryggingakerfannamillilandanheldurerkveWiWumstrWkerfisins.XaWerYvvaldieinstakraaWildarrkjaaWsetjareglurumstrWsj;Wsinsogfjrmgnun.  GeramrWfyriraWtryggWverWbrfvrslueWaumsj;nverWbrfafyrirtkjafyrirviWskiptamennYeirrahafiveriWum200!210milljarWarkr.lokrs1998.Xaraferuum70milljarWarkr.verWbrfasj;Wumoghlutabrfasj;WumsemaWst;rumhlutaeruryggisvrsluverWbrfafyrirtkjum.GeramrWfyriraWrmlega100milljarWarkr.affstofnanafjrfestasfjrvrsluverWbrfafyrirtkjum.SamkvmtupplUsingumfrverWbrfafyrirtkjumeruum25milljarWarkr.fjrvrslueigutplegatvYsundeinstaklingaoglgaWilaannarraenfagfjrfesta.MeWalupphWeinstaklingaoglgaWilaannarraenfagfjrfestaersamkvmtYessuum12,5millj.kr.AukYessatryggirverWbrfadeildininnborgaWreiWuffjrfestistilaWildarfyrirtkis,sbr.9.gr.  0frumvarpinuerlagttilaWeignirdeildarinnarverWiaWkveWnulgmarkisemhkkimeWkvrWunrWherrasamkvmttillgustj;narsj;WsinsstaWYessaWeignirdeildarinnarbreytistsamrmiviWtryggingarstofnlktoginnstWudeildinni.DanirogSvarhafaeinnigfariWYleiWaWfastsetjaeignirdeildarinnar.stWanerfyrstogfremstsaWtryggingarstofnverWbrfadeildarinnareraWWrujfnumeiribreytingumhWurentryggWarinnstWurverWbrfadeild.  ViWskiptarWuneytiWfkkBenediktJ;hannessontryggingastrWfrWingtilaWgeratillguumskilegastrWverWbrfadeildarmeWhliWsj;naffjrhWvrsluhjverWbrfafyrirtkjumogfjldafjrvrslureikninga.NiWurstaWaBenediktsvarsaWskilegstrWsj;Wsvrikringum100millj.kr.ogerfrumvarpinumiWaWviWYfjrhW.Hnereinnigg;WusamrmiviWsambrilegasj;WiDanmrkuogSvYj;W.  VerWbrfadeildsj;WsinserltilsamanburWiviWtryggWverWbrf.Hinsvegarerlj;st,einsogkomframalmennumathugasemdumviWfrumvarpiW,aWtilYessaWviWskiptavinirfyrirtkisverWbrfaYj;nustueWalnastofnunartapiftengslumviWviWskiptimeWverWbrfYurfaaWkomatilst;rkostlegmistkeWasviksamlegtathfi.TeljaverWurlklegtaW100millj.kr.verWbrfadeildmuningjatilaWtryggjalgmarksbturfyrirviWskiptavinifyrirtkisverWbrfaYj;nustueWalnastofnunarviWgjaldYrothennar.EkkiYykirYvrttaWbindameirafverWbrfadeildsj;Wsins.  03.mgr.kemurframaWsj;WnumsheimiltaWkaupavtryggingutilaWtryggjasiggegntj;ni.XaWkannaWreynasthentugrikosturaWkaupavtrygginguenaWsafnasj;W.SjlfsagtYykiraWstj;rnsj;WsinshafiheimildtilaWtakaYannkostsemhagkvmasturYykir.0SvYj;WerhinnnUitryggingarsj;WurumYessarmundiraWkannahugavtryggingarflagaslkritryggingu.  04.mgr.errWherraveittheimildtilYessaWkvarWameWreglugerWhverniggreiWslumaWildarfyrirtkjaverWihttaWoghvernignUaWildarfyrirtkifiinngngu.  Um8.gr.    GreininerefnislegahliWstW81.gr.lagaumviWskiptabankaogsparisj;Wi.LagtertilaW '#- stj;rnsj;WsinskynnibWirWherraogFjrmlaeftirlitnuefaWildarfyrirtkiuppfyllirekkiskyldursnargagnvartsj;Wnum.  Um9.gr.    0greininnierfjallaWumheimildirviWskiptavinaaWildarfyrirtkjatilaWkrefjasj;WinnumgreiWslu.GreininerbyggW1.!3.mgr.78gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.HeimildirviWskiptavinatilaWkrefjasj;WinnumgreiWslueruY;vWtkarienWurYarsemaukinnstWnabnkumogsparisj;WumeruntryggWverWbrfogreiWuftengslumviWviWskiptimeWverWbrf.ErYaWsamrmiviWtilskipunESBumtryggingakerfifyrirfjrfesta.  03.mgr.ernnariskilgreiningtryggWuminnstWum,sbr.2.mgr.78.gr.laganr.113/1996.  VerWbrfteljastekkitilinnstWusamkvmtYessarigreinogerYaWsamrmi    viWinnstWutryggingatilskipuninasemheimilaraWildarrkjunumaWundanYiggjatryggingunniUmisinnln,semogtgefinverWbrf.  04.mgr.ernnariskilgreiningtryggWumverWbrfum.TryggWeruverWbrfsemeruvrslu,umsj;neWaumsUsluaWildarfyrirtkisogYvberaWendurgreiWasamkvmtskilmlumergildaumsamskiptiaWildarfyrirtkjaogfjrfestissamkvmtlgumeWasamningum.HrerttviWeignaumsUslu,svosemvegnafjrvrslueWaryggisvrslufjr,semeinkanlegasrstaWverWbrfafyrirtkjum.  05.mgr.ernnariskilgreiningtryggWureiWuf.HrerttviWinnborgaWreiWuffjrfestistilaWildarfyrirtkisYegaraWildarfyrirtkistendurekkiviWskyldusnaumafhendingukeyptraverWbrfa.HrerttviWkrfursemtilerukomnarvegnaverWbrfamiWlunarlnastofnunumogfyrirtkjumverWbrfaYj;nustu.SemdmimnefnaaWeinhvertmigeturliWiWfrYvaWviWskiptavinurleggurfinnreikningverWbrfafyrirtkisogYartileignhanserfrWtilb;karfyrirtkinu.  06.mgr.erkveWiWumundanYgurfrtryggingu.Xreruaftvennumtoga.AnnarsvegareruundanskildarinnstWur,verWbrfogreiWufeiguaWildarfyrirtkja,svoogm;Wurogd;tturfyrirtkjaYeirra,fyrirYeirraeiginreikning.XettaersamrmiviWkvWilagaumviWskiptabankaogsparisj;WauminnstWutryggingarsj;Wi.XarsemaWildarfyrirtkitakanekkieinungistilviWskiptabankaogsparisj;WaheldureinnigtilannarralnastofnanaogfyrirtkjaverWbrfaYj;nustuerumtvkkunYessariundanYguaWrWa.HinsvegareruundanskildarinnstWur,verWbrfogreiWufsemtengjastmlumYarsemsakfellthefurveriWfyrirpeningaYvtti.XessiundanYgaersamrmiviWtilskipaniruminnstWutryggingarogtryggingakerfifyrirfjrfesta.  Um10.gr.    GreininerefnislegahliWstW3.og4.mgr.80.gr.lagaumviWskiptabankaogsparisj;Wi.  Um11.gr.    0greininniergertrWfyriraWheimiltsaWlnaalltaW50millj.kr.milliinnstWudeildarogverWbrfadeildar.RttYykiraWhafaheimildtilaWaukaeignirannarrardeildarinnarefhnverWureignalausvegnagjaldYrots.  Um12.gr.    0greininnikemurframheimildfyrirsj;WinnaWveitaaWildarfyrirtkjumvkjandiln.Samskonarheimilderfyrirhendi79.gr.lagaumviWskiptabankaogsparisj;Wi.Xykir '#- stWatilaWviWhaldahenni.MeWYvsj;WurinnmguleikaaWgrpafyrrtilaWgerWaogminnkaYanniglkurnarYvaWkomitiltgreiWslutilviWskiptavina.  Um13.gr.    GreininerefnislegahliWstW77.gr.lagaumviWskiptabankaogsparisj;WinemahntekureinnigtilannarralnastofnanaogfyrirtkjaverWbrfaYj;nustu.RttYykiraWtakaframYessusambandiaWsj;WurinntryggireinniginnstWurviWskiptavinainnlendraaWildarfyrirtkjatibumannarsstaWarEvr;pskaefnahagssvWinu.  Um14.!15.gr.    GreinarnarYarfnastekkiskUringar.  Um16.gr.    01.mgr.erkveWiWumaWaWildarfyrirtkiskulitWhafatilreiWuskriflegarupplUsingarumaWildsnaaWsj;Wnum.SambrilegtkvWieraWfinnareglugerWnr.21/1997,umTryggingarsj;WviWskiptabankaogtilhgungreiWslumrtryggingarsj;Wuminnlnsstofnana.XykirrttaWkvWiumupplUsingaskyldu,semYUWinguhefurfyrirneytendavernd,sfundinnstaWurlgumfrekarenreglugerW.  02.mgr.erkveWiWumaWauglUsingaraWildarfyrirtkjaumaWildaWsj;WnumskulitakmrkuWviWbeinatilvsuntilhlutaWeigandideildar.XykirrttaWstemmustiguviWYvaWaWildarfyrirtkinUtisraWildaWsj;Wnumsamkeppnisskyni.SamsvarandikvWieraWfinnareglugerWnr.21/1997,umTryggingarsj;WviWskiptabankaogtilhgungreiWslumrtryggingarsj;Wuminnlnsstofnana  Um17.gr.    0greininnierundanYgafrtekjuskattiogeignarskatti,gjaldYrotaskiptumogaWfr.XettaersamrmiviW78.gr.lagaumviWskiptabankaogsparisj;Wi,nr.113/1996.  Um18.gr.    GreininYarfnastekkiskUringar.  & a Um19.gr.    MarkmiWiWmeWryggissj;WumeraWtryggjahagsmuniviWskiptavinaogfjrhagslegtryggiviWskiptabankaeWasparisj;Wa.'a*MeWslkuforvarnastarfimleiWaaWYvlkumaWsWurkomitilkastaTryggingarsj;WsinnstWueigendaogfjrfesta.kvWiYessarargreinareruekkinUafnlinniYvaWYaueigasrsamsvrunlgumumviWskiptabankaogsparisj;Wi.HeimildirviWskiptabankaogsparisj;WatilaWstofnasjlfseignarstofnanirYessumtilgangieruYvfyrirhendigildandilgum.TilviWb;tarviWgildandilgerveittheimildfyrirryggissj;WitilaWrannsakareksturogefnahagviWskiptabankaeWasparisj;WstilaWtryggjahagsmuniviWskiptamannaogfjrhagslegtryggi.  Um20.gr.    GreininYarfnastekkiskUringar.#33E#.33. '#-  Fylgiskjal. - mAU) dE?) A^m   FjrmlarWuneyti, a fjrlagaskrifstofa: Y, % 0 %0/  FrumvarptillagauminnstWutryggingarogtryggingakerfifjrfesta.       MeWfrumvarpiYessuerlagttilaWTryggingarsj;WurviWskiptabanka,innstWudeildTryggingarsj;Wssparisj;WaognUtttryggingakerfifyrirfjrfestarennisamaneinnsj;W.FrumvarpiWgerirYvrWfyriraWfyrirtkiverWbrfaYj;nustuoglnastofnaniraWrarenviWskiptabankarogsparisj;WirverWieinnigaWilaraWsj;WnumsemsamkvmtfrumvarpinumunheitaTryggingarsj;WurinnstWueigendaogfjrfesta.Tilgangurinnerm.a.aWmyndaeinntryggingarsj;WsemverndarinnstWueigendurogviWskiptavinilnastofnanaogfyrirtkjaverWbrfaYj;nustugegngreiWsluerfiWleikumYessarafyrirtkja.  FrumvarpiWgerirrWfyriraWTryggingarsj;WurinnstWueigendaogfjrfestaverWisjlfseignarstofnunmeWaWildallraviWskiptabanka,sparisj;Wa,verWbrfafyrirtkjaogannarrasemnUtasrheimildirlagatilaWstundaviWskiptimeWverWbrf.GerterrWfyriraWYessiraWilargreiWitryggingarsj;W,svoogallanstofnogrekstrarkostnaW.  0aWalatriWumeruefnislegahliWstWkvWinYegarlgumumviWskiptabankaogsparisj;WioghefurFjrmlaeftirlitiWogviWskiptarWuneytieftirlitmeWframkvmdYeirralaga.EkkiverWursWaWsamYykktfrumvarpsinsmunileiWatilaukinnatgjaldafyrirrkissj;W..#33z.#.