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'",   '#- 4.Veldur_rkiseignin_Ԁ_freistnivanda_Ԁsem(& a  (;gnarstWugleika? (   Auk_ofangreinds_Ԁyfirlitsum_Yj;Whags_-og_rekstrarvsbendingar_Ԁum_fjrmlastWugleika_  ernauWsynlegtaWhyggjaaW('a(N(mgulegum_hliWarhrifum_Ԁafeignrkisins_viWskiptabnkunum_.  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A&"+ Efrkissj;Wurselurhlutabrfsnbnkunummyndisvonefndur_freistnivandi_Ԁafeignrkisins  '", hverfaogYmynduslenskubankarnirbaviWsmuaWstWurhvaWeignarhaldvarWarogYar '#- meWvru_samkeppnisskilyrWi_ԀYeirraorWineins. (z$. ЇHeimildir: ( _IMF_,A._Belaisch_,L._Kodres_,J._Levy_ԀogA._Ubide_Ԁ(2000),_Euro_-Area_Banking_Ԁatthe_Cross  roads_,2._Oct_.2000.  _IMF_,_Burkhard_Ԁ_Drees_Ԁog_Ceyla_Ԁ_Pazarbasioglu_Ԁ(1998),The_Nordic_Ԁ_Banking_Ԁ_Crisis_,aprl1998. a _IMF_,_Demirguc_-Kunt,AogE._Detragiache_Ԁ(1998),The_Determinants_Ԁof_Banking_Ԁ_Crisis_Ԁ_in_ T, _Developing_Ԁ_and_Ԁ_Developed_Ԁ_Countries_,_Staff_Ԁ_Paper_Ԁ45,mars1998.  _IMF_,O._Evans_,A.M._Leone_,M._Gill_ԀogP._Hilbers_Ԁ(2000),_Macroprudential_Ԁ_Indicators_Ԁof  _Financial_ԀSystem_Soundness_,_Occational_Ԁ_Paper_Ԁ192,aprl2000.   _Llewellyn_,_D.T._Ԁ(2000),The_New_Ԁ_Economics_Ԁof_Banking_:_Strategic_Ԁ_Implications_,_Paper_  X _presented_Ԁat_SUERF_Ԁ_Colloquium_,Vnarborg,28.aprl2000. K #  RagnarHafliWason(1993),_Bankakreppan_ԀNoregi,SvYj;WogFinnlandi!samanburWurviW    Yr;unmla0slandi,_FjrmlatWindi_,1.    _Saunders_,A.ogB._Wilson_Ԁ(1999),The_Impact_Ԁof_Consolidation_Ԁ_and_Ԁ_Safety_-Net_Support_Ԁ_on_   _Canadian_,_U.S._Ԁ_and_Ԁ_U.K._ԀBanks,_Journal_Ԁof_Banking_Ԁ_and_Ԁ_Finance_,No.23. wO  TryggviBjrnDavWsson(1999),Ranns;knr;tum_fjrmlalegs_Ԁ_;stWugleika_Ԁ0slandi, B  ritgerWSeWlabanka,september.    TryggviBjrnDavWssonogMrGuWmundsson(2000),_Iceland_'s_Experience_Ԁof_Financial_   _Stability_Ԁ_in_Ԁ_Recent_Ԁ_Decades_,grein_Macroeconomic_Ԁ_Policy_:_Iceland_Ԁ_in_Ԁ_an_Ԁ_Era_Ԁof_Global_ {  _Integration_,_University_Ԁof_Iceland_Ԁ_Press_. nF _White_,_William_Ԁ(1998),The_Coming_Ԁ_Transformation_Ԁof_Continental_ԀEuropean_Banking_,_BIS_ 9 _Working_Ԁ_Papers_,No.54,jn1998.  **+  r +,,  Tafla1._SamYjppunarhlutfll_Ԁ1998.  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Heimildaskr:  X _00Barnett_00,S.(2000),?_00Evidence_00Ԁ_00on_00Ԁthe_00Fiscal_00Ԁ_00and_00Ԁ_00Macroeconomic_00Ԁ_00Impact_00Ԁof_00Privatization_00 , K #  _00IMF_00Ԁ_00Working_00Ԁ_00Paper_00Ԁ00/130,_00Washington_00:_00IMF_00.    _00Davis_00,_00J._00,R._00Ossowski_00,T._00Richardson_00ԀogS._00Barnett_00Ԁ(2000),_00Fiscal_00Ԁ_00and_00Ԁ_00Macroeconomic_00    _00Impact_00Ԁof_00Privatization_00,_00IMF_00Ԁ_00Occasional_00Ԁ_00Paper_00Ԁno.194,_00Washington_00:_00IMF_00.   _00Megginson_00,W.og_00J.M._00Ԁ_00Netter_00Ԁ(2000),?_00From_00Ԁ_00State_00Ԁ_00to_00Ԁ_00Market_00:A_00Survey_00Ԁof_00Empirical_00Ԁ_00Studies_00 wO  _00on_00Ԁ_00Privatization_00 ,http://faculty-staff.ou.edu/M/William.L.Megginson-1/(vntanleg_00Journal_00 B  of_00Economic_00Ԁ_00Literature_00).    _00Sheshinski_00,E.og_00L.F._00Ԁ_00L;pez_00-Calva(1998),?_00Privatization_00Ԁ_00and_00Ԁ_00Its_00Ԁ_00Benefits_00:_00Theory_00Ԁ_00and_00   _00Evidence_00 ,_00Discussion_00Ԁ_00Paper_00Ԁno.35,_00Cambridge_00:_00CAER_00ԀII_00Project_00,_00Harvard_00Ԁ_00Institute_00Ԁfor {  _00International_00Ԁ_00Development_00. nF _00Verbrugge_00,_00J.A._00,_00W.L._00Ԁ_00Megginson_00Ԁog_00W.L._00Ԁ_00Owens_00Ԁ(1999),?_00State_00Ԁ_00Ownership_00Ԁ_00and_00Ԁthe 9 _00Financial_00Ԁ_00Performance_00Ԁof_00Privatized_00ԀBanks:_00An_00Ԁ_00Empirical_00Ԁ_00Analysis_00 ,ritgerWkynntrW/  /stefnuAlYj;Wabankansog_00Federal_00Ԁ_00Reserve_00ԀBankofDallas_00Washington_00,mars1999,um  _00einkavWingu_00Ԁbanka,http://faculty-staff.ou.edu/M/William.L.Megginson-1/. r  FylgiskjalIII.  3 iAUC) 5dE> 5A^i3   i FjrmlarWuneyti, ' fjrlagaskrifstofa:    Umsgnumfrumvarptillagaumbreytingulgumnr.50/1997, `  umstofnunhlutaflagaumLandsbanka0slandsogBnaWarbanka0slands, S+! meWsWaribreytingum. 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