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"A0J"  A0Jh2%  4  .3  Ԉ0    _Stj;rnarlaun_ԀerukvrWuWafrWherra,enstj;rn_FME_ԀsitjalgumsamkvmtYrr {  menn._Stj;rnarlaun_ԀstofnunarinnarYessuristefnarml.4,6millj.kr.,ogtlanir nF gerarWfyriraW_stj;rnarlaun_ԀverWirflega4,8millj.kr.rinu2001.EkkiverWurbetur 9 sWenlaunstj;rnarmanna_FME_ԀsuhrrienalmennttWkasthjopinberumstofnunum  ogflestumYeimaWilum,semfallaundireftirlit_FME_.SamrWsnefnderYeirrarskoWunar,  aWstWastilaWendurskoWaYennan_kostnaWarliW_Ԁtlunarinnaroglkka.0Yessu r sambandimbendaaWYaWmunhafaskapastsvenjaaWbWi_aWalmenn_Ԁogvaramenn e= sitjistj;rnarfundi_FME_.SamrWsnefndtelurenginrkfyrirYessaritilhgunogmun 0 eWlilegraaWvaramaWursitjieingngu_stj;rnarfund_Ԁforfllum_aWalmanns_.A0JhIh݌ Ќ  "A0J"  A0Jqn2%  5  .3  Ԉ0    _SamrWsnefndinni_Ԁerlj;st,aW_FME_ԀhlUturaWhafaallnokkurerlendsamskipti,ogaW  kostnaWurerYvsamfara.AfarbrUnterY;aWhrsgttaWhalds.Samkvmtendur i skoWaWritlun_FME_ԀfyrirYettarverWurfjldiutanlandsferWa_FME_Ԁ60aWtlu,og \4 kostnaWurvegnaYeirratpar9millj.kr.ErYettaumfram_upphaflegar_Ԁtlanir.0tlun ' fyrirriW2001erY;gertrWfyriraWkostnaWurvegnaferWaerlendislkkinokkuW,og  munstWans,aW_FME_Ԁmunsjlfthalda8fundihrlandi,semeruliWurnorrnu  samstarfi.KostnaWurviWYau_fundahld_ԀertlaWur_rfl_.3,1millj.kr.KostnaWurvegna `  erlendrasamskiptarinu2000stefnirallsrflega9,8millj.kr.,ogertlaWurenn S+! hrri2001,eWaallsum13,5millj.kr.(Y.e._ferWakostn_.erlendis,_Ytttkugjald_Ԁv.funda " erlendisog_fjlYj;Wlegir_Ԁ_samstarfsfundir_Ԁhrlandi).HrerumaWrWaverulegant # gjaldaliWstarfsemi_FME_.SspurninghlUturaWvakna,hvortYessimiklifjldiutan  $ landsferWaogumfangiWalmenntvegnaerlendrasamskiptagetitalistbrWnauWsynlegur !W% liWurstarfrkslustofnunarinnar.EWlilegteraW_FME_Ԁ_yfirfari_ԀhvortnauWsynsaW J""& skjaYannfjldafundasemhingaWtilhefurveriWgert,endahlj;tatWarfjarvistiraW #' bitnastarfseminnihrheima.A0Jqnn݌#( Ќ  "A0J"  A0Jw2%  6  .3  Ԉ0    0skUringum_FME_ԀvarWanditlaWalagningu_eftirlitsgjalds_ԀfyrirriW2001kemurfram, $ ) aW_FME_ԀhefurtlaWhvernigvinnastarfsmannahefurskipstmismunandiflokka_fjr v%N!* mlastarfseminnar_ԀeinsogYeirerutilgreindir5.gr.laganr.99/1999umgreiWslukostn A&"+ aWarviWopinberteftirlitmeWfjrmlastarfsemi.XrtlanirgefaaWmati  '", stofnunarinnarekkitilefnitilbreytingaskiptingu_lagningar_Ԁmillieinstakraflokka '#- _eftirlitsskyldra_ԀaWila._SamrWsnefndin_ԀgerirtaffyrirsigekkiathugasemdirviWYetta ( mat_FME_,endahefurhnekkiforsendurtilYess.hinnb;ginnbendir_FME_Ԁ,aWskipt  ing_eftirlitsgjalds_ԀmillismrriogstrriaWilainnanhverrargreinar/flokks_eftirlits  skyldra_ԀaWilasekkisamrmiviWYanntmasemvariWereftirlitmeWsmrriaWilum a annarsvegarogstrriaWilumhinsvegar.Afhlfu_FME_Ԁerspurstfyrirumsj;narmiW T, samrWsnefndarumYaW,hvorthnteljikomatilgreinaaWhkka_lgmarksgjld_Ԁog  Yannveghkka_eftirlitsgjld_ԀsmrriaWilaenlkkagjldYeirrastrrim;ti.A0Jw'x݌ Ќ  0  0  Almennter_samrWsnefndin_ԀYeirrarskoWunar,aWlagt_eftirlitsgjald_Ԁskulisem_framast_   erkosturverasamrmiviWYanntmaogkostnaWsemtlamaWfarieftirlitiW,jafnt  X meWhlutaWeigandiflokki_eftirlitsskyldra_ԀaWilaogeinstakraaWilainnanhversflokks.0 K #  8.gr.lagaumgreiWslukostnaWarviW_FME_Ԁsegirefnislega,aWtelji_FME_ԀaWeftirlitmeW    einstkum_eftirlitsskyldum_ԀaWilasumtalsvert_kostnaWarsamara_Ԁogkrefjistmeirimann    aflaentlunumreglubundiWeftirlitgerirWfyrir,getistj;rn_FME_ԀkveWiWaWviWkom   andiaWilaverWigertaWgreiWafyrirfrekaraeftirlitskv.reikningi.SYaWlitstj;rnenda wO  _FME_,aWYettakvWilagagetiekkinUsttilaWnframskilegriog_sanngjarnri_Ԁskipt B  ingu_eftirlitsgjalds_ԀmillistrriogsmrriaWilainnanhversflokks_eftirlitsskyldra_ԀaWila,    telur_samrWsnefndin_ԀeWlilegt,aWjafnrWiverWitryggtmeWhkkun_lgmarksgjalds_Ԁ   einstkumflokkum._LgmarksgjaldiW_ԀmY;ekkikveWasvohtt,aWYaWYyngiminni {  aWilumrh;fieWakomivegfyriraWnUiraWilargetihaslaWsrvlleinstkumgrein nF um_fjrmlaYj;nustu_.9 0  0  Afhlfu_FME_ԀhefurnveriWgerWtillagaumnokkrahkkun_lgmarkseftirlitsgjalds_  Yremurflokkum_eftirlitsskyldra_ԀaWilafyrirriW2001.Xessartillgur_FME_ԀsUnastsam  rmiviWWurnefndsj;narmiWsamrWsnefndarumYettaefni,ogeruekkigerWarathuga r semdirviWYessatillgu.e= "A0J"  A0J2%  7  .3  Ԉ0    0reglugerWnr.777/1998,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarf 0 semi,hefurveriWaWfinnakvWiumskipanogstarfshtti_samrWsnefndarinnar_.Var  sreglugerWsettm.a.meWvsantil16.gr.laganr.87/1998,umopinberteftirlitmeW  fjrmlastarfsemi.MeWlgumnr.99/1999,umgreiWslukostnaWarviWopinberteftirlit i meWfjrmlastarfsemi,var16.gr.laganr.87/1998beinlnisrgildifelld.AfYvleiWir \4 aWsemfyrstYarfaWhugaaWYvaWsetjareglugerWnUjanleik,semskUturstyrkari ' stoWumundirskipanoghlutverksamrWsnefndar.A0J݌ Ќ    _SamrWsnefndin_ԀerhvenrsemerreiWubinaWskUrasj;narmiWsnvarWanditlaW  _rekstrarumfang_Ԁ_Fjrmlaeftirlitsins_Ԁtarlegar,verWiYess;skaW. `     $  FylgiskjalII. ( mAUj) d(E?$ A^m   _FjrmlaeftirlitiW_: a  @qqSkUrslatilviWskiptarWherraumstarfsemi_Fjrmlaeftirlitsins_,  @--sbr.16.gr.laganr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi.   @(Okt;ber2000.)    1.0  Inngangur. K #    Samkvmt16.gr.laganr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi,sbr.lg    nr.11/2000,umbreytingulagakvWumum_fjrmlaeftirlit_,skal_FjrmlaeftirlitiW_Ԁgefa    viWskiptarWherraskUrsluumstarfsemisnarhvert.kvWiYettat;kbreytingummeWfyrr   greindumlgumnr.11/2000,enmeWYeimvarjafnframtkveWiWumskylduviWskipta wO  rWherratilaWgeraAlYingigreinfyrirstarfsemistofnunarinnar. B    Einsogkunnugtert;k_FjrmlaeftirlitiW_Ԁtilstarfa1.janar1999.XverYessariskUrslu    gerWgreinfyrirhelstuYttumrekstriogstarfsemi_Fjrmlaeftirlitsins_Ԁfyrstaeinaoghlfa   starfsriW.nstuvikummun_FjrmlaeftirlitiW_ԀgefatrsskUrslusna,Yarsemnnar {  verWurfjallaWum_fjrmlamarkaWinn_ԀogherslureftirlitimeWhonum. nF  2.0  Starfsemi_Fjrmlaeftirlitsins_.  2.1Stefnum;tunogskipulagstofnunarinnar.    fyrrihlutars1999staWfestistj;rn_Fjrmlaeftirlitsins_Ԁstefnum;tunfyrirstofnunina. r Sstefnum;tunvarstaWfestaWnUjultiWbreyttjnYessuri,kjlfartarlegrar_yfir e= ferWar_. 0   0_stefnum;tuninni_Ԁkomafram_grundvallarsj;narmiW_Ԁsemfrekaristefnumrkunstarfi  stofnunarinnarerbyggW.Hlutverkstofnunarinnarerskilgreintnnar,einkumaWYver  varWarstarfsmennogrekstur,tengslviW_eftirlitsskylda_ԀaWilaog_samstarfsaWila_ԀogYttstofn i unarinnarm;tun_fjrmlamarkaWar_.XerleitastviWaWskilgreinaviWmiWstarfsemistofn \4 unarinnar. 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A&"+   _Skipurit_Ԁstofnunarinnarerbyggtsmu_meginsj;narmiWum_Ԁog_stefnum;tunin_.0skipulag  '", inuerlgWherslaaWnUtasembestYYekkinguogreynslusemstarfsmennbayfir.Eftir '#- litinuerekkiskipthefWbundnardeildir_fjrmlamarkaWar_ԀheldurreyntaWvirkjaYekkingu ( einusviWi_fjrmlamarkaWar_ԀeftirlitiWrusviWiogYannigaWnUtafyrirliggjandi_srfrWi  Yekkingu_ԀYarsemhennarermestYrfverkefnumstofnunarinnarhverjusinni.StuWlaWer  aWYvaWvinnubrgWogviWhorfeftirlitisusemlkustllumsviWum_fjrmlamarkaWar_. a SkipulagiWbyggistflugusamstarfistarfsmanna,YarsemYekkinghversogeinsfraW T, nj;tasn.    _FjrmlaeftirlitiW_Ԁhefursett_heimasWu_Ԁsna(www.fme.is)_stefnum;tunarskjal_Ԁsitt,samt  skipuritioglUsinguYv.XarereinnigaWfinnareglurumkvarWanirogundirritunskjala   _Fjrmlaeftirlitinu_Ԁogreglurumstrfstj;rnar,Yarsemhlutverkhennarerskilgreintog  X kveWiWumhfistj;rnarmannaogaWgangYeirraaWggnum. K #  2.2Xr;un_fjrmlamarkaWar_Ԁ!_eftirlitsstarfsemi_Ԁ_Fjrmlaeftirlitsins_.      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B    Dmiumalmenn_eftirlitsverkefni_ԀsWastariereftirlitmeWviWbnaWi_eftirlitsskyldra_    aWilavegna_svokallaWs_Ԁ2000vanda.HaldnirvorufundirmeWflestumstrriog_meWalst;rum_   _fjrmlafyrirtkjum_Ԁog_reiknistofum_ԀYeirrallumsviWum_fjrmlamarkaWar_.Xbeindi {  _FjrmlaeftirlitiW_ԀmarghttuWumtilmlumtil_eftirlitsskyldra_ԀaWila,hafWifrumkvWiaW nF samrWiYeirramilli,t;kYttogskipulagWi_vktun_Ԁumram;tinogannaWistupplUsingaU 9 UmiWlVVunumstand_fjrmlamarkaWi_.  nnurverkefni. r   XessutilviWb;tarsinnir_FjrmlaeftirlitiW_Ԁmargvslegumfyrirspurnumogerindumfr e= _eftirlitsskyldum_ԀaWilumogveitirumsagnirumstarfsleyfi,samrunaogfleiriatriWi.Einnig 0 svarar_FjrmlaeftirlitiW_Ԁfyrirspurnumogerindumfr_viWskiptamnnum_Ԁ_eftirlitsskyldra_ԀaWila.    _FjrmlaeftirlitiW_ԀhefurtekiWvirkanYttm;tunlagaogreglna_fjrmlamarkaWi_,en  eWlilegteraWYekkingogreynsla_eftirlitsaWila_ԀsnUttviWYvinnu.MeWYtttkusinnileitast i _FjrWWmlaeftirlitiW_ԀviWaWkomaframfrisj;narmiWumumryggistarfsemiogstarfshttum \4 _fjrmlamarkaWi_. '   _FjrmlaeftirlitiW_ԀgottsamstarfviWstofnanir,rWuneytiogaWraaWilasemtengjastml  efnum_fjrmlamarkaWar_ԀogeftirlitimeWhonum.herslaerlgWaWskUraverkaskiptingu  milliYessaraaWila._FjrmlaeftirlitiW_ԀogSeWlabanki0slandshafagertmeWsr_samstarfsXXsamnY `  Ying_ԀsemtryggjagreiW_upplUsingaskipti_ԀogskUraverkaskiptingu. S+!   _FjrmlaeftirlitiW_ԀtekurYttalYj;Wlegusamstarfi_systurstofnana_.Xettasamstarfskapar " mguleikaYvaWnUtareynsluogYekkinguannarraYj;Waslenskum_fjrmlamarkaWi_. # SamstarfiWermeginatriWumYrYtt,sviWi_bankaeftirlits_,_verWbrfaeftirlits_Ԁog_vtrygginga  $ eftirlits_._Fjrmlaeftirlit_ԀNorWurlndumhafameWsrniWsamstarf.Xtekur_Fjrmlaeftir !W% litiW_ԀYttsamstarfi_Evr;puYj;Wa_ԀsemtengistaWild0slandsaWEvr;pskaefnahagssvWinu. J""& Einniger_FjrmlaeftirlitiW_ԀbeinnaWiliaW_alYj;Wasamtkum_Ԁ_vtryggingaeftirlita_. #'   Xbirtir_FjrmlaeftirlitiW_ԀskUrslursemunnareruuppr_rsreikningum_ԀogWrumupplUs #( ingZZumumstarfsemi_fjrmlafyrirtkja_._FjrmlaeftirlitiW_ԀhefurbirtskUrslurmeWsamantekt $ ) rs[[reikningaogupplUsingasemeruunnaruppr_rsreikningum_Ԁ_lnastofnana_,fyrirtkja v%N!* verWbrfaYj;nustuog_verWbrfasj;Wa_,annarsvegarfyrirriW1998oghinsvegarfyrirriW A&"+ 1999.Einnighefurstofnuninbirtsamantektrsreikninga_vtryggingaflaga_ԀfyrirriW1998  '", og1999ogsundurliWun_vtryggingagreina_Ԁ_vtryggingaflaga_ԀfyrirriW1998.Xhefur_Fjr '#- mlaeftirlitiW_ԀbirtskUrslurum_lfeyrissj;Wina_ԀenYeimeraWfinnaupplUsingarumefnahag, ( yfirlityfirbreytinguhreinnieigntilgreiWslulfeyris,_sj;Wstreymi_,_kennitlur_Ԁog_sundur\  \liWanir_ԀaukannarraupplUsinga,annarsvegar_m.v._Ԁrslok1998oghinsvegarrslok1999.    HreftirverWurgreintsrstaklegafrtveimur_eftirlitsverkefnum_Ԁ_Fjrmlaeftirlitsins_Ԁsem a varWaallan_fjrmlamarkaWinn_.XverWurfjallaWsrstaklegaumhelstuflokka_fjrmlastarf T, sem]]innar_.  2.3  Knnuninnraeftirlitiog_httustUringu_.     0stefnum;tun_Fjrmlaeftirlitsins_ԀkemurframaWstofnuninleggihersluaWfaglegtinnra  X skipulag_fjrmlafyrirtkja_ԀstilstaWarogkappkostaWsaWfylgjastmeWhttustarfsemi K #  YeirraogaWYauhafifullngjandiyfirsUnyfirhana.      0samrmiviWYessarherslurhefur_FjrmlaeftirlitiW_ԀathugaWsrstaklegastandinnra    eftirlitsog_httustUringar_ԀmrgumfyrirtkjumllumsviWum_fjrmlamarkaWar_.hersla   hefurveriWlgWaWfyfirlityfirstandmlahjstrri_fjrmlafyrirtkjum_.stWurverk wO  efnisinserueinkumYrjr:0fyrstalagiermeWYvlgWherslabyrgW_eftirlitsskyldra_ԀaWila B  sjlfraeiginstarfsemiogeftirlitimeWhenni.0WrulagiersrstaklegabrUntaWYessirYttir    starfiYeirrasug;WuhorfiviWYraWstWursemveriWhafa_fjrmlamarkaWi_,Y.e.mikill   vxturogYarmeWaukinhttamistkumviWkvarWanirogsWarerfiWleikumYegarundan {  hallar.0YriWjalagierverkefniafYessutagiveltilYessfalliWaWfylgjastennfrekarmeW_fjr nF mlamarkaWnum_ԀheildogstandieinstakraaWila.XYekkinguersWanhgtaWnotatilaW 9 gerastrf_Fjrmlaeftirlitsins_ԀmarkvissariogtilaWbyggjaupp_styrkara_Ԁ_eftirlitskerfi_.MeWat  huguninnihefurogskapasttkifritilumrWnaog_skoWanaskipta_ԀviWstj;rnendur_eftirlits  skyldra_ԀaWilaumYessiefni. r   Athuganir_Fjrmlaeftirlitsins_ԀhafaeinkumbeinstaW_stj;rnunarlegri_Ԁuppbyggingu e= stofnana,_markmiWssetningu_Ԁstarfseminni,tilvistog_eftirfylgni_Ԁ_httustUringarreglna_Ԁ 0 vWtkrimerkingu,innraeftirlitiYessusambandiogvirkniinnriendurskoWenda.Tildmis  hefurveriWhugaWaWinnraeftirlitimeW_tlnum_Ԁ_lnastofnana_ԀogeftirlitimeW_markaWshttu_  starfseminniog_httustUringu_ԀYessumYttum.0YessuefnibrUnir_FjrmlaeftirlitiW_Ԁfyrir i stj;rnumfyrirtkjaaWveravakandifyrirbyrgWsinniogundirYaWbnaraWaxlahana.Hr \4 erumviWamikiWsviWaWrWasemkrefstsjlfstWra_kannana_ԀhverjumaWilafyrirsig. '   standinnraeftirlitsog_httustUringar_Ԁerafarmismunandifreinufyrirtkitilannars.  Einsogvntamer_httustUring_ԀogeftirlitmeW_r;tgr;nari_ԀYttumstarfsemi_fjrmlafyrir  tkja_ԀalmenntbetrahorfienYegarnUrrieWartvaxandi_fjrmlaYj;nusta_Ԁhlut. `    hyggjur_Fjrmlaeftirlitsins_ԀYessuefnihafaekkisstbeinstaW_tlnavexti_ԀogYr;un S+! _eiginfjrhlutfalls_Ԁ_lnastofnana_.HefurstofnuningertmargvslegarathugasemdirogvaraWviW " lgu_eiginfjrhlutfalli_Ԁhrlandi,bWisamskiptumsnumviWeinstakarlnastofnanirog # almennriumrWu.Einnighefurstofnuninbeintsj;numsnumaWfjrmgnunlna,en  $ erlendarlntkur_lnastofnana_,_Y._Ԁm._skammtmaln_,hafaveriWmiklar. !W%   Xhefur_FjrmlaeftirlitiW_Ԁhafthyggjurafskipulagiog_utanumhaldi_ԀervarWar_markaWs J""& httu_Ԁ_fjrmlafyrirtkja_,enYessihttahefurvaxiWhrattoginnraeftirlitsetiWhakanum #' Umsumtilvikum.0Yessumefnumhefur_FjrmlaeftirlitiW_ԀlagthersluaWtilstaWarsu #( reglursemtakmarkahttuogaWYeimsfylgt. $ )   Almennthefur_FjrmlaeftirlitiW_ԀbeintYvtil_eftirlitsskyldra_ԀaWilaaWskerpalluinnra v%N!* eftirliti. A&"+    '", & ,  2.4EftirliteinstkumsviWum_fjrmlamarkaWar_. ( 2.4.1  Almennt.    HreftirverWurgerWgreinfyrirstarfsemi_Fjrmlaeftirlitsins_ԀeinstkumsviWum_fjr  mlamarkaWar_.',(LeitastverWurviWaWfjallaumYmlaflokkasem_FjrmlaeftirlitiW_Ԁhefur a einkumbeintsj;numsnumaW.RtteraWtakaframaWaWeinserskUrtfrhelstuverkefnum. T, GerWverWurnnarigreinfyrirstarfsemiogherslum_Fjrmlaeftirlitsins_ԀrsskUrslusembirt  verWurnstuvikum.  2.4.2Lnastofnanir.  X   EinsogWurerframkomiWhefur_FjrmlaeftirlitiW_Ԁlagthersluathuguninnraeftirliti K #  og_httustUringu_.      0tengslumviWYessaathugunogreglubundnarskoWanirsparisj;Wumhefur_Fjrmlaeftir    litiW_Ԁbeintsrstaklegasj;numsnumaW_eiginfjrhlutfalli_Ԁ_lnastofnana_Ԁogtengdummlefnum.   Hefur_FjrmlaeftirlitiW_ԀlUsthyggjumsnumafYr;un_eiginfjrhlutfalls_Ԁog_tlnaaukningu_ wO  sWustumisseri,bWigagnvarteinstkumlnastofnunumogopinberumvettvangi.Gerir B  _FjrmlaeftirlitiW_ԀauknarkrfurtilYessaWlnastofnanirgerigreinfyrirmarkmiWumsnum    YessuefniogfylgiYeimeftir.Jafnframtleggur_FjrmlaeftirlitiW_ԀmatYaumarkmiW.MeW   Yessuer_FjrmlaeftirlitiW_ԀaWleggjahersluaWlnastofnanireigiekkiaWltasvoaW_lg^ {  ^bund__iW_ԀskilyrWium8%eiginfjrhlutfallsamkvmtlgumdugihverjutilviki._Fjr``mlaaaeftirb nF blitiW_ԀeraWYr;aaWferWirsemstyrkjaennfrekareftirlitmeWYessu. 9   Jafnframthefur_FjrmlaeftirlitiW_ԀhaftfrumkvWiaWumfjllunumnUjartillguraW_eigin  fjrccreglum_Ԁ(_BIS_-reglum)fr_Baselnefnd_Ԁum_bankaeftirlit_,semframkomubyrjunjn1999.  EinnighefurstofnuninfylgstmeWviWbrgWum_Evr;pusambandsins_ԀogvinnuviWskUrslu r Yeimvettvangi. e= 2.4.3VerWbrfamarkaWur.    Verkefni_Fjrmlaeftirlitsins_ԀeftirlitimeW_verWbrfamarkaWnum_ԀhafaeinkumveriWaf  Yrennumtoga. i   0fyrstalagihefurstarfsemi_verWbrfamarkaWi_ԀveriWYtturathugunuminnraeftirliti \4 og_httustUringu_,sbr.umfjllunhraWframan,eneinsogYarkemurframhefur_Fjrmla ' eftirlitiW_Ԁhafthyggjurafskipulagiog_utanumhaldi_ԀervarWar_markaWshttur_Ԁ_fjrmlafyrir  tkja_,enYessar_httur_ԀhafavaxiWhrattoginnraeftirlitsetiWhakanumUmsumtilvikum.  HefddurathugasemdumvarWandiYettaveriWbeintaWfyrirtkjumverWbrfaYj;nustuogWre `  eum_fjrmlafyrirtkjum_. S+!   0Wrulagihefur_FjrmlaeftirlitiW_ԀtekiWtilathugunarallnokkrarvsbendingarumbrot " _IV_.kaflalaganr.13/1996umverWbrfaviWskipti,einkummeintbrotkvWumum_inn # herjaviWskipti_._FjrmlaeftirlitiW_ԀhefurvsaWeinumlitil_rkislgreglustj;ra_.  $   0YriWjalagihefur_FjrmlaeftirlitiW_ԀtekiWtilskoWunarUmismlsemvarWastarfshtti_fjr !W% mlafyrirtkja_Ԁ_verWbrfamarkaWi_.NiWurstaWaslkramlasnUstallajafnaumtlkuneWli J""& legumogheilbrigWum_viWskiptahttum_.VeigamestareglanYessusambandieraWviWskipta #' maWurgetitreystYvaWhagsmunirhanssuhafWirfyrirrmi.Hlutverk_Fjrmlaeftirlitsins_ #( YessuefnieraWstuWlaaWbetraskipulagiogvandaWristarfshttum_fjrmlafyrirtkja_.Hefur $ ) _FjrmlaeftirlitiW_ԀlagtYaWhersluaWnyfirsUnyfirYennanmlaflokktilYessaWgeta v%N!* gripiWinnmlaffestuYegarstWaertil. A&"+   _FjrmlaeftirlitiW_ԀhefurunniWaWm;tunnUrrareglnaumverWbrfaviWskipti,semfyrirtkj  '", umverWbrfaYj;nustuberaWsetjasr:Reglnaum_Knamra_Ԁstarfsemisinni,reglnaum '#- viWskiptifyrirtkisinssjlfs,starfsmannaogstj;rnendameWverWbrfogreglnaumatvinnu ( Ytttkustj;rnarmannaogstarfsmanna._FjrmlaeftirlitiW_Ԁbirtijlsl.leiWbeiningarumefni  Yessarareglna_heimasWu_Ԁsinnioggaf_fjrmlafyrirtkjum_Ԁog_viWskiptamnnum_ԀYeirrafrest  framseptembersWastliWinntilaWkomasj;narmiWumsnumframfri._FjrmlaeftirlitiW_ a ernmeW_framkomin_Ԁsj;narmiWtilathugunarogmunframhaldiYessbeinaYvtil_fjrmla T, fyrirtkja_ԀaWsetjasrnUjarreglur.HverjufyrirtkifyrirsigberaWleitastaWfestingar_Fjr  mlaeftirlitsins_ԀreglunumsemYaWsetursr.    _FjrmlaeftirlitiW_ԀeraWiliaWsamtkumevr;pskra_eftirlitsaWila_Ԁ_verWbrfamarkaWi_,   _FESCO_Ԁ(_Forum_Ԁof_European_Ԁ_Securities_Ԁ_Commissions_),oghefurkynntopinberlegaUmsar  X nUjar_grunnreglur_ԀogskUrslursemsamtkinstandaaW._FjrmlaeftirlitiW_ԀhefurskuldbundiW K #  sigtilaWbeitasrfyrirsamrmingureglna_verWbrfamarkaWi_ԀgrundvelliYeirra_grunn    reglna_Ԁog_viWmiWana_Ԁsem_FESCO_Ԁgefurt.    2.4.4_VtryggingamarkaWur_. wO    HkkaniriWgjldum_lgboWnum_Ԁ_kutkjatryggingum_Ԁhafasettmarksittverkefni B  _Fjrmlaeftirlitsins_ԀYessusviWi.0tvganghafaiWgjldinnlendu_vtryggingaflaganna_    hkkaWverulega,fyrraskiptiWvoriW1999ogafturnvor.0bWiskiptint;k_Fjrmlaiieftirj   jlitiW_Ԁ_iWgjaldabreytingarnar_ԀtilathugunarogkynntiniWurstWursnaropinberlega. {    Athuganir_Fjrmlaeftirlitsins_ԀiWgjldumbeinasteinkumaWtvennu,annarsvegaraW nF gangarskuggaumaWYausungilegaheWasamrmiviWhttusemtekineroghins 9 vegaraWYaususanngjrngarW_vtryggingartaka_.UmrWaumiWgjld_lgboWnum_Ԁ_ku  tkjatryggingum_ԀhrlandihefursemkunnugterbeinstaWsWaraatriWinu.    0kjlfarathugunar_Fjrmlaeftirlitsins_Ԁ_iWgjaldahkkunum_Ԁrinu1999hefurveriW r unniWaWendurskoWunreglugerWarumrsreikningaog_samstWureikninga_Ԁ_vtryggingaflaga_ e= annkkarraen_lftryggingaflaga_,nr.613/1996.SkipuWhefurveriWnefndumverkefniWogerhn 0 aWstrfum.EittmeginverkefnihennareraWfinnaleiWirtilaWgerarekstur_vtryggingaflaga_  ogforsendurstarfsemiYeirra_sUnilegri_ԀogbeitaYannig_markaWsaga_.AukYessaer_Fjrmlal  leftirmmlitiW_ԀaWhugaaWsetningureglnaummat_tj;naskuld_Ԁ_vtryggingaflaga_,semYver i heimiltaWsetja. \4   _FjrmlaeftirlitiW_ԀhefurtekiWstarfshtti_vtryggingarmiWlara_ԀtilsrstakrarskoWunarog ' gertathugasemdirviWstarfsemieinstakramiWlara.Xhefur_FjrmlaeftirlitiW_ԀhugaWsrnnstako  olegaaWmlefnum_btabyrgWarflaga_.  2.4.5Lfeyrissj;Wir. S+!   _MeginYungi_ԀeftirlitimeWlfeyrissj;Wumhefurtengstums;knumYeirraumstarfsleyfi " samppkvmtlgumnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrisq # qsj;Wa.XessiaWlgunlfeyrissj;WaaWnUjumlgumreyndist_tmafrekari_ԀentlaWvaruppr  $ rhafioghefur_aWlgunin_ԀveriWmrgumlfeyrissj;WumerfiWframkvmd.Enginums;knum !W% starfsleyfihefurveriWafgreiddnathugasemda. J""&   Xr;uninersaWlfeyrissj;WireruaWtengjastWrumYttum_fjrmlamarkaWarins_Ԁsterkari #' bndumenWur.Sj;WirnirverWasfelltmeiraberandiviWskiptum_verWbrfamarkaWi_Ԁauk #( Yesssemsamstarflfeyrissj;WaviWverWbrfafyrirtkioglnastofnanirermjgaWaukast, $ ) m.a.meWsamningumumvrslu_verWbrfafyrirtkja_Ԁog_lnastofnana_Ԁfjrmunumlfeyris v%N!*  sj;Wa.Mrgverkefni_Fjrmlaeftirlitsins_ԀhafatengstYessariYr;un. A&"+   s& a  slitaefnisemtengjast_viWb;tarlfeyrissparnaWi_,semlfeyrissj;Wum,lnastofnunum,_verW ( brfafyrirtkjum_Ԁog_lftryggingaflgum_ԀerheimiltaWveitaviWtku,hafaveriWtilathugunar  afhlfu_Fjrmlaeftirlitsins_.s'a(/s    Xstenduryfirathugun_tryggingafrWilegum_Ԁ_ttektum_Ԁnokkurralfeyrissj;WaYvskyni a aWleggjamatforsendurogaWferWafrWisemYessarathuganirbyggjast.Eittmikilvgasta T, atriWi_lfeyrissj;Walaganna_ԀeraWeignlfeyrissj;WssamtnvirWi_framtWariWgjalda_Ԁskulivera  jafnhnvirWivntanlegslfeyris.Einaundantekninginerulfeyrissj;Wirsemnj;ta_bak  byrgWar_Ԁrkis,sveitarflagseWabankaYvYarbyrgWinaWbraYaWsemvantar.Veruleg   urhallierflestumYeirralfeyrissj;WasemerumeWbyrgWrkisogsveitarflaga.  X  3.  Rekstur_Fjrmlaeftirlitsins_.       Tekjur_Fjrmlaeftirlitsins_Ԁrinu1999nmualls210,0_m.kr_.enYarafvorutekjuraf    _eftirlitsgjaldi_Ԁsamtals199,6_m.kr_.Tmsartekjursemtilfllurinualls10,4_m.kr_.tengjast   annarsvegarendurgreiWsluvegnastofnunar_Fjrmlaeftirlitsins_Ԁrinu1998oghinsvegar wO  _rskurWarnefnd_Ԁ_vtryggingamlum_ԀsemvistuWerhjstofnuninni,eWa2,9_m.kr_.Gjldsamt B  ttalsnmu174,6_m.kr_.og_fjrmunatekjur_Ԁvorualls0,2_m.kr_.TekjuafgangurvarWYvafrekstr    inumrinusemnam35,6_m.kr_.XrjrmeginstWurvorufyrirYv.0fyrstalagivarWstofn   kostnaWurviWkaup_tlvubnaWi_ԀlgrientlaWvarYarsemgerWurvar_rekstrarleigusamn {  ingur_Ԁum_bnaWinn_ԀstaWYessaWkaupahanneinsoggerthafWiveriWrWfyrirrekstraruutlv nF vunstofnunarinnarfyrirriW.nnurstWavarsaWfrestaWvaraWrWastWursemgert 9 hafWiveriWrWfyrirrekstrartlunogYriWjalagiurWutekjurstofnunarinnarnokkruhrri  entlaWhafWiveriW.Tekjuafgangurafstarfsemi_Fjrmlaeftirlitsins_Ԁgengurupplagt_eftir  litsgjalds_Ԁnstars. r   Heildareignirstofnunarinnarrslok1999nmusamtals37,2_m.kr_.semalltvoruveltu e= fjrwwmunir,Y.e._innstWa_Ԁ_bankareikningi_Ԁog_skammtmakrfur_. 0   _FjrmlaeftirlitiW_ԀhefursentviWskiptarWherraskUrsluumtlaWanrekstrarkostnaWnsta  rs,skv.2.gr.laganr.99/1999umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarf  semi.Umrekstur_Fjrmlaeftirlitsins_ԀeraWWruleytivsaWtilYeirrarskUrslu. i  FylgiskjalIII.  *`AUj) 5d(E? 5A^`*  `  FjrmlarWuneyti, " fjrlagaskrifstofa: #   Umsgnumfrumvarptillagaumbreytingulgumnr.99/1999,umgreiWslu !W% kostnaWarviWopinberteftirlitmeWfjrmlastarfsemi.  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