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Helstu rekstrarliir hlutfalli af heildareignum hj U-22-F(#2((0#(-(-(22--2(2-((-22J2-'2 4bnkum og sparisjum2-202J--#2-(#--2J-- - -'---  Y - - -'---  Y -- - -'---  Y  2 Gj0,00%)))C2 j0,50%)))C2 dj1,00%)))C2 j1,50%)))C2 j2,00%)))C2 j2,50%)))C2 j3,00%)))C2 ,j3,50%)))C2 j4,00%)))C- - -'---  Y - - -'---  Y  2 1998 ))))2 1999 )))) 2 2000))))2  2001, f.hl.)))))- - -'---  Y --- 9 ) - - -'---  7 * - - -'---  7 * - `  `G ` -$ K ` u ` K2 3[ Hreinar<%)%2 [ vaxtatekjur)%)%%))- - -'---   7 * - - -'---   7 * -     G   - 5  2 [ Arar;*%2 S[ rekstrartekjur%) %%))- - -'-- -  7 * - - -'-- -  7 * -  G  -  $    2 [ Rekstrargjld7%) %)**- - -'---  7 * - - -'---  7 * -   G  --   -        2 t[ Afskriftaframlg; )%%?*)- - -'---  7 * - - -'---  Y - - -'---  Y -- 9 !!-- ' Y  ' ' --'&' "System 0- - eu)ISUS.,,,..XwXXX? "XXw-?vbX-#ggdd  ISIS,.   _Ԁ M au'ISUS.,,,..XwXXX? "XXw-?vbX-#ggdd  ISIS,.   _Ԁ__Table_A'Single1  d=WPC..!.5     ''  Arial JwSwgw  -----Arial [JwSwgw [ ---Arial JwSwgw  ------------------------------------------------------------"System  -'- -'- -- $xxo o ----'--- s x   x  xxxx99x[[x}}xxx---'--- -  xo xo ---'---  !!---'---  o y---'---  o - -  $o o $ o o $e 88o e o e $o o 3f-  $YYo o $  o o $8C C o 8o 8C$cco o -  $Y,,o Yo Y$   o o $ PPo o P$cH5H5o co cH-  $,HHo ,o ,H$ W W o o $o o $5o 5o 5ff-  $o o $W ) ) o W o W $o o $SSo o S---'-- - o y---'-- - -  o o o     99[[}}o o x-------'-- -  Qk 2 kMynd 15. run igjalda og tjna skaatryggingum san 1996, annars vegar run heildarfjrha og hins M18833=$888883838888333383$188888R383833333883$32383$8$8888383$3$8R8388883R2 2vegar igjld og tjn eigin hlut verlagi 20002383$8888888838888323$83833332 o ----'-- -  ---'-- -  ----'-- -    2 C 0 *2 e 2.000****2 4.000****2  6.000****2  8.000****2 10.000*****2 12.000*****2 /14.000*****2 Q16.000*****2 r18.000*****2 20.000*****---'-- -  ------'-- -  & d Arial JwSwgw -2 vmilljnir krna-----'-- -     xDDxo o x Do Do oDoo D o D o xDx---'-- -  Cw ----'-- -  Cw - -   G 6  2  G1996****---'-- - Cw ---'-- - d n  2 O11.138*****---'-- - Cw ---'-- - d o 2 15.788*****---'-- - Cw ---'-- - d   2 10.057*****---'-- - Cw ---'-- - d w  2 Y13.250*****---'-- - Cw - e  e x---'-- -  C - 3f-    6  2  G1997****---'-- - Cw ---'-- -  ne  2 w O10.814*****---'-- - Cw ---'-- -  e o 2 w 15.183*****---'-- - Cw ---'-- -  e  2 w 9.609****---'-- - Cw ---'-- -  we  2 w Y12.702*****---'-- - Cw -    x---'-- -  C - -   7 6  2 G1998****---'-- - Cw ---'-- - T n  2 O11.082*****---'-- - Cw ---'-- - T o 2 15.270*****---'-- - Cw ---'-- - T   2 9.495****---'-- - Cw ---'-- - T w  2 Y11.864*****---'-- - Cw - U  U x---'-- -  C - -    6  2 o G1999****---'-- - Cw ---'-- -  nU  2 g O11.866*****---'-- - Cw ---'-- -  U o 2 g 15.641*****---'-- - Cw ---'-- -  U  2 g 12.788*****---'-- - Cw ---'-- -  wU  2 g Y15.395*****---'-- - Cw -    x---'-- -  C - ff-   '6  2 G2000****---'-- - Cw ---'-- - Cn  2 O13.627*****---'-- - Cw ---'-- - C o 2 17.146*****---'-- - Cw ---'-- - C  2 14.608*****---'-- - Cw ---'-- - Cw  2 Y18.679*****---'-- - Cw ---'-- - ---'-- -  xo -----'-- -  no  %2 Eigin igjld rsins2*******&*&----'-- -  xo -----'-- -  o o 2 < Igjld rsins*****&*&----'-- -  xo -----'-- -  o  2  Eigin tjn2****----'-- -  xo -----'-- -  xo  2  Tjn rsins-***&*&----'-- -  xo ---'-- - ---'-- - -  -'  '  '?WPC..!.Q ( {   ''  Arial JwSwgw  -------------------------------------------------Arial JwSwgw  ----------------------------Arial JwSwgw  ----------------------------"System  -'- -'- -- $..  ----'---  .^  ^ .  ...cc.%%..---'--- -  . . ---'---  ---'---  !!---'---   /---'---   >- -  $[ [ [$< < <$  $ p p $ Q Q $22  $@@  @3f-  $>>  $  $   $p   p p $Q   Q Q $2 2 2$gg  g-  $>ff > >f$  $ q q $ ZS ZS Z$s 4s 4  s $  $  -  $]!]!  ]$  $q   q q $S   S S $4_ _  4 4_ $  $3 h3 h  3 ff-  $!qq ! !q$RsRs  R$ NT NT N$ 6 6 $B B   B $  $hO O  h hO ---'-- -  /---'-- - -     ^ ^   cc%%  .------'-- -   k$ {2 1MMynd 16. run igjalda helstu greinaflokkum skaatrygginga verlagi 2000M18833=$8888838383388$3838338R33383$188883323$8383333----'-- -  ---'-- -  ----'-- -    2 q 0 *2 2 1.000****2 2.000****2 3.000****2 v4.000****2 75.000****2 6.000****2 7.000****---'-- -  ------'-- -  P3_ Arial JwSwgw  -2 Eqmilljnir krna-----'-- -  --  ---'---  ---'---  -  -  0 2 1996****---'-- -  ---'-- -  - 3f-   r 2 `1997****---'-- - ---'-- - - -   2 1998****---'---  ---'---  -  -  R 2 @1999****---'-- -  ---'-- -  - ff-    2 2000****---'-- - ---'-- - - w  w .  .  .w             l l M M . .---'-- -   -x ---'-- -   -x - -    &  2 71996****---'-- -  -x ---'-- -  x  2 3.190****---'-- -  -x ---'-- -  x  2 2.331****---'-- -  -x ---'-- -  x  2 4.586****---'-- -  -x ---'-- -  x  2 1.582****---'-- -  -x ---'-- -  lx   2 8368***---'-- -  -x ---'-- -  Mx l 2 ~1.343****---'-- -  -x ---'-- -  -x M 2 _1.900****---'-- -  -x -    .---'-- -   x - 3f-   J &  2 71997****---'-- -  -x ---'-- - g   2  3.271****---'-- -  -x ---'-- - g   2  2.358****---'-- -  -x ---'-- - g  2  3.965****---'-- -  -x ---'-- - g  2  1.611****---'-- -  -x ---'-- - g l   2  8771***---'-- -  -x ---'-- - g M l 2  ~1.299****---'-- -  -x ---'-- - g - M 2  _1.775****---'-- -  -x - h  h .---'-- -   x - -    &  2 71998****---'-- -  -x ---'-- -  h  2 z 3.385****---'-- -  -x ---'-- -  h  2 z 2.217****---'-- -  -x ---'-- -  h  2 z 3.913****---'-- -  -x ---'-- -  h  2 z 1.816****---'-- -  -x ---'-- -  lh   2 z 9351***---'-- -  -x ---'-- -  Mh l 2 z ~1.417****---'-- -  -x ---'-- -  -h M 2 z _1.557****---'-- -  -x -    .---'-- -   x - -   : &  2 71999****---'-- -  -x ---'-- - W   2 3.414****---'-- -  -x ---'-- - W   2 2.048****---'-- -  -x ---'-- - W  2 4.440****---'-- -  -x ---'-- - W  2 2.100****---'-- -  -x ---'-- - W l   2 9980***---'-- -  -x ---'-- - W M l 2 ~1.474****---'-- -  -x ---'-- - W - M 2 _1.136****---'-- -  -x - X  X .---'-- -   x - ff-    &  2 r 72000****---'-- -  -x ---'-- -  X  2 j 3.352****---'-- -  -x ---'-- -  X  2 j 1.842****---'-- -  -x ---'-- -  X  2 j 5.870****---'-- -  -x ---'-- -  X  2 j 2.360****---'-- -  -x ---'-- -  lX  2 j 1.088****---'-- -  -x ---'-- -  MX l 2 j ~1.519****---'-- -  -x ---'-- -  -X M 2 j _1.047****---'-- -  -x ---'-- - ---'-- - w . -----'-- - w   2 nEignatryggingar2***%*****----'-- - w . -------'-- - w   2  Sj- flug og 2*****2 dfarmtryggingar*?%*****----'-- - w . -------'-- - w  2  Lgbonar ********"2 kutkjatryggingar*&*C&*%*****----'-- - w . -------'-- - w  2 Arar 2**"2 kutkjatryggingar*&*C&*%*****----'-- - w . -----'-- - w l  "2 byrgartryggingar2*%***%*****----'-- - w . -------'-- - w M l 2 @ Slysa- og 2%&***2 sjkratryggingar&*&*%*****----'-- - w . -------'-- - w . M 2  Innlendar ******2 endurtryggingarr****%*****----'-- - w . ---'-- - ---'-- - -  -'  '  'AWPC..!.3  =   ''  ArialD JwSwgwD  -------------------------------------------------ArialH JwSwgwH  ----------------------------ArialI JwSwgwI  ----------------------------"System  -'- -'- -- $~11 ~ ~----'---  1~gG ~  1 ~ 1~1w~w1W~W18~81~1~1~1---'--- gG- ~ 1 1 ~~---'---  ---'---  !!---'---   2~---'---   A~- -  $      $     $   $ $   $     $     3f-  $zz  z$v v   v $   $ $     $     $% %   % ---'-- -  2~---'-- - - ~  ~ g ~ g ~ g ~g~wgw~WgW~8g8~g~g~g~ ~ 1------'-- -   k =2 $Mynd 17. Tjn rsins verlagi 2000M188337883$383323$8383333----'-- -  ---'-- -  ----'-- -    2 0 *2 1.000****2 2.000****2 j3.000****2 K4.000****2 +5.000****2 6.000****2 7.000****2 8.000****2 9.000****---'-- -  ------'-- -  D  2 milljnir krnaoC..*..*----'-- -  --  gG---'---  fH---'---  fH-  -  a 2 1999****---'-- -  fH---'-- -  fH- 3f-   rDa 2 22000****---'-- - fH---'-- - -  ^  1 ^ 1 ~ 1 ^ ^ ~ ~ s s h h ]  ]  R  R  G G < < 1 1---'-- -   0 _---'-- -   0 _- -   ( p 2 1999****---'-- -  0 _---'-- - E s ~ 2 ' 2586371761**********---'-- -  0 _---'-- - E h s 2  974528999,9**********---'-- -  0 _---'-- - E ] h 2  7118904224**********---'-- -  0 _---'-- - E R ]  2  1814763712**********---'-- -  0 _---'-- - E G R  2 1094155226**********---'-- -  0 _---'-- - E < G 2  907460816,3**********---'-- -  0 _---'-- - E 0 < 2  894573749,2**********---'-- -  0 _- F ^ F 1---'-- -   ~ _- 3f-    r p 2 ` 2000****---'-- -  0 _---'-- -  sF ~ 2 X ' 3986955961**********---'-- -  0 _---'-- -  hF s 2 X  1328698591**********---'-- -  0 _---'-- -  ] F h 2 X  8266304324**********---'-- -  0 _---'-- -  R F ]  2 X  2035941008**********---'-- -  0 _---'-- -  GF R  2 X 1109468583**********---'-- -  0 _---'-- -  <F G 2 X  1128071450**********---'-- -  0 _---'-- -  0F < 2 X  7179495850*********---'-- -  0 _---'-- - ---'-- -  1 ~-----'-- -  s ~ 2 3 Eignatryggingaro2***%*****----'-- -  1 ~-------'-- -  h s 2  . Sj- flug og 2*****2 b farmtryggingar*?%*****----'-- -  1 ~-------'-- -  ] h 2  . Lgbonar ********"2 b kutkjatryggingar*&*C&*%*****----'-- -  1 ~-------'-- -  R ]  2  { Arar 2**"2 b kutkjatryggingar*&*C&*%*****----'-- -  1 ~-----'-- -  G R  "2 3 byrgartryggingar2*%***%*****----'-- -  1 ~-------'-- -  < G 2  % Slysa- og 2%&***2 b sjkratryggingar&*&*%*****----'-- -  1 ~-------'-- -  1 < 2   Innlendar ******2 b endurtryggingarr****%*****----'-- -  1 ~---'-- - ---'-- - -  -'  '  'DWPC..!.  U   ''  Arial JwSwgw  ---Arial JwSwgw  ---Arial JwSwgw  ----------------------------------------------------------------------"System  -'- -'- -- $xxP P ----'--- T x   xq q x  xx##xxDDxx---'--- -  xP xP ---'---  !!---'---  P y---'---  P - 3f-  $PPP P P$  P P $>   P > P > $fUUP fP fU$99P P ---'-- - P y---'-- - -  P P P   q q   ##DDP P x------'-- -   kA U2 N4Mynd 18. Hagnaur vtryggingaflaga verlagi 2000M18833B388388$23$1888833383323$8383333----'-- -  ---'-- -  ----'-- -    2 $ K0 * 2 200*** 2 E 400*** 2 600*** 2 f800***2 1.000****2 1.200****2 1.400****2 1.600****---'-- -  ------'-- -  d Arial JwSwgw  -2 vmilljnir krna-----'-- -     xEExP P x EP EP EP E P 'E'P PEPP xEx---'-- -  Dw ----'-- -  Dw -  (+ 2 <Hagnaur6******---'-- - Dw ---'-- - D  2 d1.254****---'-- - Dw ---'-- - D  2 1.210****---'-- - Dw ---'-- - D'  2 1.359****---'-- - Dw ---'-- - DO ' 2 1.391****---'-- - Dw ---'-- - Dw P 2 1.490****---'-- - Dw ---'-- - ---'-- -  xP -----'-- -  P   2 b n1996****----'-- -  xP -----'-- -  P   2 b 1997****----'-- -  xP -----'-- -  'P   2 b 1998****----'-- -  xP -----'-- -  OP '  2 b 1999****----'-- -  xP -----'-- -  xP P  2 b 2000****----'-- -  xP ---'-- - ---'-- - -  -'  '  'FWPC.O.O!.O, e |    C''  Arial{ JwSwgw{  ---Arial JwSwgw  ---Arial JwSwgw  ----------------------------------------------"System  -'-  C-'-  C-- $|^^||^----'--- Z|| /|/l|l||!|!^|^---'---  C- ^| ^|^|---'---  "!!---'---  ^|---'---  N|- -  $$kk$     3f-  $$koB oB kko$   -  $>>>$B   B B $-  $zz$ k k   k$ggff-  $zQQCzCz$     $g>>gg---'-- - ^|---'-- -  C- ^| |n|n|/n/|lnl|n|n|!n!|^n^||------'-- -  N@ |2 `JNMynd 19. 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Eigi f vtryggingaflaga samt vtryggingaskuld heild verlagi 2000c=GG!AA!!!N!G!G!'A!@A'.=GG!GGA'A!AGA!AAAh'!@A'.=GG!GGAAAG!G!!!GA!!G!A!@A.G!AG!!AAAA--- -'-- -  -- -'-- -  --- -'-- -    2 032 E5.00033332 10.000333332 15.000333332 20.000333332 >25.000333332 \30.000333332 z35.000333332 40.000333332 45.000333332 50.00033333-- -'-- -  ----- -'-- -  *d  Arial [JwSwgw [ -2 ymilljnir krna(---- -'-- -  y z y xDzDx p xy zDz pDp D  xDx-- -'-- -  Cwz {--- -'-- -  Cwz {  2 19963333-- -'-- -  Cwz {-- -'-- -   z p 2 ?7.5333333-- -'-- -  Cwz {-- -'-- -   wz  2 36.11633333-- -'-- -  Cwz { z  x-- -'-- -  Cpz {  2 ( 19973333-- -'-- -  Cwz {-- -'-- -   p 2 ?8.0893333-- -'-- -  Cwz {-- -'-- -   w  2 37.47133333-- -'-- -  Cwz { z  x-- -'-- -  Cpz {  2 19983333-- -'-- -  Cwz {-- -'-- -  & p 2 &10.74633333-- -'-- -  Cwz {-- -'-- -  & w  2 38.93433333-- -'-- -  Cwz {' z ' x-- -'-- -  Cpz {  2 F 19993333-- -'-- -  Cwz {-- -'-- -   ' p 2 > &12.38033333-- -'-- -  Cwz {-- -'-- -   w'  2 > 40.35433333-- -'-- -  Cwz { z  x-- -'-- -  Cpz {  2 20003333-- -'-- -  Cwz {-- -'-- -  C p 2 &13.32433333-- -'-- -  Cwz {-- -'-- -  Cw  2 43.83533333-- -'-- -  Cwz {-- -'-- -  -- -'-- -  y x p---- -'-- -  y p 2 Eigi f=433--- -'-- -  y x p---- -'-- -  y x  2 Vtryggingaskuld=3-44343./33--- -'-- -  y x p-- -'-- -  -- -'-- -  - - '  '  'LWPC..!.* m f   ''   Arial /JwSwgw / --- Arial :JwSwgw : ---Arial JwSwgw  - Arial JwSwgw  ---------------------------------------------------"System  -'- -'- -- $0xx 0 0--- -'---  x0d 0 d x0xm0mx0xv0vx0x-- -'--- - 0 x x 00-- -'---  !!-- -'---   y0-- -'---   0- -  $f f   f $ 0 0   $1 H H 1 1 3f-  $j 0j 0  j $0 H H 0 0 $H ` ` H H -  $0R GR G 0 0R $H _ _ H H $` w w ` ` -  $G _ _ G G $_ ww _ _ $w   w w ff-  $_vv _ _$wyy w wy$+ +   + -- -'-- -  y0-- -'-- - - 0  0-  0d d 00mm00vv00 0 x----- -'-- -  1k f2 .?Mynd 22. 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"  2.60  SkiptingvinnueftirlitsskyldaaWilaogskiptingkostnaWarafeftirlitinueftirlits  $ skyldaaWila. !W%   EftirlitsskyldiraWilarstandastraumafkostnaWiviWreksturFMEsamrmiviWkvWi J""& laganr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi.05.gr. #' YeirralagaerkveWinnlagningarstofnoglagningarhlutfalleinstakaflokkaeftirlitsskyldra #( aWila.Samkvmt1.mgr.2.gr.lagannaskalFMEleggjarlegamatYr;unstarfseminnar $ ) undangenginYrjrmeWtillititilYesstmasemtlamaWfariWhafieftirlitmeWhverjum v%N!* flokkieftirlitsskyldraaWilaskv.5.gr. A&"+   SkiptingkostnaWarinsmilliflokkafjrmlafyrirtkjagefurYvnokkuWg;WamyndafYv  '", hvernigstrfFMEskiptastmillimismunandifyrirtkja.GeraverWurY;YannfyrirvaraaW '#- erfitteraWskiljamillieinstakraflokka.NefnamsemdmiaWviWskiptabankarhafaekki ( einungismeWhndumhefWbundnabankastarfsemi,heldurannastlkaverWbrfaYj;nustu.    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K#   ViWbrgWviWauglUsingumFMEYarsemstrferuboWinbendatilYessaWFMEhafi  nokkuWsterkastWuvinnumarkaWiaWYessuleyti.XannighefurFMEreynstmeginatriWum  auWveltaWrWatilsnhftstarfsf;lk.    EinsogframerkomiWhefurnokkurveltaveriWstarfsliWiFMEsWustumnuWum.EWli wO legveltasamfarafjlgunstarfsf;lksreynirmjginnviWiltillarstofnunareinsogFME.0 B mrgumtilvikumerumaWrWasrfrWistrfYarsemreynslaermikilsverW.NUrstarfsmaWur   YarfsvigrmogaWstoWtilaWntkumstarfisnuogekkier;eWlilegtaWYettatakihann  nokkramnuWi.ReynslaafskyldumstrfumeWaframhaldsnmgeturY;auglj;slegaflUtt {  slkriaWlgun. nF!   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"   TillokaYessarsertlaWaWrWatvonUjasrfrWingameWviWskiptafrWilegamenntun # semnUtistannarsvegareftirlitstaWnumoghinsvegarutanumhaldoggreiningugagna.  $ nstariergertrWfyriraWtveirsrfrWingartilviWb;tarverWirWnirmeWviWskipta !W% frWilegamenntuntilsmuverkefnaoghrvorutalin.MeWYessuhyggstFMEstyrkjaveru J""& legaeftirlitstaWnumogeftirlitgrundvellireglubundinnagagnaskila. #'   EinsogWursagWierennfremureWlilegtaWgerarWfyrirnokkurristarfsmannaveltu. #( XannigmgerarWfyrirYvaWrWaverWistaWYriggjastarfsmannasemkynnuaWltaaf $ ) strfumtilviWb;tarviWYannsemYegarhefurkveWiWaWltaafstrfumtmabilinu. v%N!*   FMEteluraWbrUntvriaWfjlgastarfsmnnummeiraYessutmabilienhrertlaW. A&"+ EkkiYykirhinsvegarraunhftaWtlaaWmeirifjlgunsframkvmanlegsvostuttum  '", tma,eWafjlgunumeinnsrfrWing7viknafresti,aWmeWaltali. '#- Ї 3.3  Mattillengritma.  (   Framangreindtluntillokarsins2002eraWmatiFME;fullngjanditillengritma.  Lj;steraWhinarnUjueiginfjrreglurBaselnefndarumbankaeftirlitmunueinarogsrYUWa  nokkrafjlgunfyrirriW2005,meWherslugreininguoghttustUringu.XettarWstY;af a Yvhvortoghvemiklummlislenskarlnastofnanirveljasrfl;knarimatskerfi. T,   XgefurfyrirsjanlegYr;un,einsoghennierlUsthraWframan,tilkynnaaWstyrkjaYurfi  ennfrekarmarkaWsvakt,aukYesssemfyrirhuguWfjlguneftirlitigrundvellireglubund  innagagnaskila(offsite)erekkifullngjanditillengritmalitiW.     MeWhliWsj;nafframangreindumforsendummtlaaWYrfsnokkurrifjlgunstarfs  X mannansturumeftir2002. K #    RtteraWtrekaaWlangtmamatstarfsmannaYrfermikilli;vissuhW.Xannigkynnu    ytriaWstWur,svosembreyttskipulageftirlitsinnanEvr;pskaefnahagssvWisins,aWhafa    veruleghriftlanirafYessutagi.      ViWauki1.     9  (FjrmlaeftirlitiW8.gst.MinnisblaW.)    BreytingarlgumogreglumstarfstmaFjrmlaeftirlitsins.  nF :  0slenskurfjrmlamarkaWurhefurstkkaWrtsWusturumogsamfaraYvhefurlg 9 gjafinnsettfjldanUrralagaogreglnasemgildaumfjrmlamarkaWinn.Samfarasetningu  nUrralagaogreglnafjrmlamarkaWihefureftirlitsstarfsemiFjrmlaeftirlitsinsaukist  llumsviWumfjrmlamarkaWar.HreftirverWurfariWyfirnUjustulagabreytingarYarsem r veittverWurstuttyfirlityfirYrlagagreinarsemhafaaukiWviWskyldurFjrmlaeftirlitsins e= ogstarfsf;lkYesshvaWvarWareftirlitmeWeftirlitsskyldumaWilum. 0  1.Almennt.     Lgnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi. i   Breytingar: \4 ,  X]"  ,d>    Lgnr.11/2000:TilgangurlagannavaraWtryggjaFjrmlaeftirlitinubetriaWgangenWur ' aWggnumogupplUsingumfreftirlitsskyldumaWilum.JafnframtvorulagWartilauknar  heimildirtileftirlitsmeWfjrmlastarfsemivegumviWskiptabankaogsparisj;Wasemstund  uWerutanviWkomandifyrirtkisogfellurekkiundirstarfsleyfisskyldastarfsemi.,d>>݌ `  Ќ  "X]    ReglugerWnr.507/2000,umkrunefndsamkvmtlgumumopinberteftirlitmeWfjr S+! mlastarfsemi.ReglugerWsettgrundvellilaganr.87/1998. "   Lgnr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi. #   TilgangurlagannaeraWmlafyrirYvaWeftirlitsskyldiraWilarsamkvmtlgunumskuli  $ standastraumafrekstriFjrmlaeftirlitsins.EftirlitsgjaldiWerinnheimtafFjrmlaeftirlitinu. !W%   Lgnr.69/2001umbreytingulagakvWumumeftirlitmeWeigendumvirkraeignar J""& hlutafjrmlafyrirtkjum:MeWlagafrumvarpinuhefureftirlitFjrmlaeftirlitsinsmeWeig #' endumvirkraeignarhlutalnastofnunum,fyrirtkjumverWbrfaYj;nustuogvtrygginga #( flgumveriWaukiW.FjrmlaeftirlitinuersamkvmtlgunumfaliWaWkannatarlegahfi $ ) allraYeirraeinstaklingaoglgaWilasemhafahyggjuaWeignastvirkaeignarhlutiviW v%N!* skiptabnkum,sparisj;Wum,WrumlnastofnunumenviWskiptabnkumogsparisj;Wum, A&"+ fyrirtkjumverWbrfaYj;nustuogvtryggingaflgum.  '",  '#-  2.LnamarkaWur.  (   Lgnr.113/1996,umviWskiptabankaogsparisj;Wi.    Breytingar:    Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.umfjllunhraWfram a an. T,   Lgnr.48/2000:1.gr.(sbr.nverandi44.gr.)erviWskiptabnkumogsparisj;Wumheim  ilaWaWtakaaWsrp;stYj;nustufyrirhndaWilasemleyfihefurtilaWveitaslkaYj;nustu.  TilslkrarstarfsemisamkvmtlgunumYarfsamYykkiFjrmlaeftirlitsins.     Lgnr.69/2001umbreytingulagakvWumumeftirlitmeWeigendumvirkraeignar  X hlutafjrmlafyrirtkjum:VarWareftirlitFjrmlaeftirlitsinsmeWeigendumvirkraeignar K #  hlutafjrmlafyrirtkjumsbrumfjllunaWofan.      Lgnr.71/2001:3.gr.(sbr.nverandi37.gr.)Samkvmtgreininnigeturfundurstofn    fjrfestameWvissummeirihlutasamYykktaWbreytasparisj;WhlutaflagaWfengnusam   YykkirWherraogumsgnFjrmlaeftirlitsins. wO    Lgnr.123/1993,umlnastofnaniraWrarenviWskiptabankaogsparisj;Wi. B    Breytingar:      Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.#""Ĭn#""ԀumfjllunhraW   framan. {    Lgnr.69/2001umbreytingulagakvWumumeftirlitmeWeigendumvirkraeignar nF hlutafjrmlafyrirtkjum:VarWareftirlitFjrmlaeftirlitsinsmeWeigendumvirkraeignar 9 hlutafjrmlafyrirtkjumsbrumfjllunaWofan.    ReglurummathttugrunniviWtreikningeiginfjrhlutfallilnastofnanaogfyrir  tkjaverWbrfaYj;nustunr.348/1996. r   Breytingar: e=   Reglurnr.275/1999:BreytingkvWiumtWniskUrsluskilaverWbrfamiWlanatilFjr 0 mlaeftirlitsins.   3.VerWbrfamarkaWur.  i   Lgnr.13/1996,umverWbrfaviWskipti \4   Breytingar: '   Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.#""L#""ԀumfjllunhraWfram  an.    Lgnr.99/2000:HelstubreytingarervarWastarfsemifjrmlaeftirlitsins: `    5.gr.(sbr.nverandi11.gr.vvl.)XarerkveWiWsvoaWstarfsmennfyrirtkisverW S+! brfaYj;nustu,semhafaumsj;nmeWdaglegristarfsemitengslumviWviWskiptimeWverW " brfskv.8.og9.gr.,hafastaWistpr;fverWbrfaviWskiptum. #   0tengslumviWveitingustarfsleyfisogjafnskj;ttogbreytingarverWaberfyrirtkjum  $ verWbrfaYj;nustuaWtilkynnaFjrmlaeftirlitinuumstarfsmennskv.1.mgr.11.gr.vvl. !W% FjrmlaeftirlitinuerheimiltaWsetjannarireglurumframkvmdYessakvWis. J""&   6.gr.(sbr.nverandi15.gr.vvl.)XareruauknarUmsarkrfurfyrirtkiverWbrfa #' Yj;nustuumaWYaukomivegfyrirhagsmunarekstrameWskUrumaWskilnaWieinstakra #( starfssviWaYeirra.FjrmlaeftirlitiWskalstaWfestareglurfyrirtkjannasemmiWaaWYessu. $ )   8.gr.(sbr.nverandi20.gr.vvl.)XarerulagWarbreytingarvarWandiskylduraWfyrirtki v%N!* verWbrfaYj;nustuskulivegnaeiginviWskiptameWverWbrfogvegnaviWskiptaeigenda A&"+ virkraeignarhlutaskv.12.gr.,stj;rnenda,starfsmannaogmakaframangreindraaWilameWal  '", annarsgtaYessaW: '#- ! ! )(h0yvikmwoxyz"i0J"  i0JX2h  1  .3  Ԉ0    aWfyllstatrverWugleikafyrirtkisinssgtt,i0JXY݌( Ќ  "i0J"  i0JY2h  2  .3  Ԉ0    aWUtrustuhagsmuna;tengdraviWskiptavinasgtt,i0JY,Z݌ Ќ  "i0J"  i0J[2h  3  .3  Ԉ0    aWfullurtrnaWurrkigagnvart;tengdumviWskiptavinum,i0J[G[݌ Ќ  "i0J"  i0J;\2h  4  .3  Ԉ0    aWtryggtsaWviWskiptinstangistekkiviWIV.kaflaYessaralaga.i0J;\h\݌a Ќ    FyrirtkiverWbrfaYj;nustuskulusetjasrreglurumviWskiptiskv.1.mgr.20.gr.og T, skuluYrstaWfestarafFjrmlaeftirlitinu.FyrirtkiberaWgeraFjrmlaeftirlitinugrein  fyrirfrvikumfrkvWumreglnanna.    Lgnr.163/2000:HelstubreytingarervarWastarfsemiFjrmlaeftirlitsinsvarWareftir   farandilagagreinar:  X   DliWur6.gr.(sbr.nverandi28.gr.) Skv.dliW6.gr.skulualmenntboWverWbrfafara K #  framfyrirmillignguverWbrfafyrirtkjaskv.8.gr.vvl.ogskalFjrmlaeftirlitiWhafaum    sj;nmeWathuguntboWslUsingum.    Ё  FliWur7.gr.(sbr.nverandi35.gr.)Skv.fliW7.gr.skalFjrmlaeftirlitiWhaldaskryfir   innherjaskv.aliWog1.mgr.bliWar5.tlul.2.gr.flgumsemskrWerueWahafa;skaW wO  skrningarkauphlleWaskipulegumtilboWsmarkaWi.FlginskulusendaFjrmlaeftir B  litinuUmsarupplUsingarskv.35.gr.vvl.YvformisemYaWkveWurum.      FjrmlaeftirlitinuerfalinheimildtilaWkveWannarumupplUsingarsemveittarskulu   skv.1.mgr.35.gr.vvl.EndurskoWaWanlistayfirinnherjaskalsendaFjrmlaeftirlitinueigi {  sjaldnarensexmnaWafresti.UpplUsingarumfruminnherjainnherjaskrFjrmlaeftir nF litsinsskulugerWaropinberarmeWYeimhttisemFjrmlaeftirlitiWkveWur. 9   HliWur7.gr.(sbr.nverandi37.gr.)Skv.hliW7.gr.skalstj;rnflagssemskrWer  kauphlleWaskipulegumtilboWsmarkaWi,eWaflagssem;skaWhefureftirskrningu  kauphlleWaskipulegumtilboWsmarkaWi,setjareglurummeWferWtrnaWarupplUsinga, r viWskiptiinnherjaogsendareglurnarFjrmlaeftirlitinutilstaWfestingar. e=   ReglugerWumtboWverWbrfanr.477/2001.KveWiWnnarumalmennttboW. 0   Lgnr.69/2001umbreytingulagakvWumumeftirlitmeWeigendumvirkraeignar  hlutafjrmlafyrirtkjum:VarWareftirlitFjrmlaeftirlitsinsmeWeigendumvirkraeignar  hlutafjrmlafyrirtkjum,sbr.umfjllunaWofan. i   Lgnr.10/1993,umverWbrfasj;Wi. \4   Breytingar: '   Lgnr.17/1999:HelstubreytingarervarWastarfsemifjrmlaeftirlitsins:    4.gr.(sbr.nverandi27.gr.laganna.)Skv.4.gr.erFjrmlaeftirlitinuheimiltaWsetja  reglurYarsemkveWiWerumheimildverWbrfasj;Wsskv.1.mgr.27.gr.laganr.10/1993, `  eWaeinstakradeildahans,tilaWgeraeWaeigaviWskiptimeWfjrmlalegaframvirkasamninga S+! ogvalrttarsamningasemekkieruskrWirskipulegumverWbrfamarkaWi. "   Lgnr.34/1998,umstarfsemikauphallaogskipulegratilboWsmarkaWa. #   Breytingar:  $   Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.#""WQ#""ԀumfjllunhraW !W% framan. J""&   ReglurummathttugrunniviWtreikningeiginfjrhlutfallilnastofnanaogfyrir #' tkjaverWbrfaYj;nustunr.348/1996.Reglurnr.275/1999:BreytingkvWiumtWni #( skUrsluskilaverWbrfamiWlanatilFjrmlaeftirlitsins. $ )   &  ReglugerWnr.506/2000,umpr;fverWbrfaviWskiptum.ReglugerWsettgrundvellilaga v%N!* nr.13/1996.FelldirgildireglugerWnr.301/1999.'v%m A&"+   ReglugerWnr.508/2000,umbyrgWartrygginguverWbrfamiWlana.ReglugerWsettgrund  '", vellilaganr.13/1996.FelldirgildireglugerWnr.361/1993. '#-   ReglugerWnr.432/1999,umyfirtkutilboW.ReglugerWsemsettergrundvellilaganr. ( 34/1998.    ReglugerWnr.433/1999,umupplUsingaskyldutgefanda,kauphallaraWilaogeigenda  verWbrfasemskrWerukauphll.ReglugerWsemsettergrundvellilaganr.34/1998. a  4.Lfeyrissj;Wir.     Lgnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.    Breytingar:     Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.#""l#""ԀumfjllunhraW  X framan. K #    Lgnr.56/2000:HelstubreytingarervarWastarfsemifjrmlaeftirlitsins:      1.gr.(sbr.1.mlsl.28.gr.nverandilaga)Skv.1.gr.erlgfestaWfjrmlarWherras    ekkiheimiltaWstaWfestabreytingarsamYykktumeinstakralfeyrissj;WafyrrenaWfenginni   umsgnFjrmlaeftirlitsinsumbreytingarnar. wO    7.gr.(sbr.38.gr.nverandilaga)Skv.7.gr.erlgWaukintilkynningarskyldalf B  eyrissj;WivegnaslueignasemYeirhafayfirtekiWtilaWtryggjafullnustukrfu.Fjrmla    eftirlitiWgeturkrafistYessaWslkareignirsuseldareftirtiltekinnfrest.     ReglugerWnr.698/1998,umrWstfuniWgjaldslfeyrissparnaWarogviWb;tartryggingar {  verndar. nF 0  Breytingar:9   ReglugerWnr.9/1999:SamningurumlfeyrissparnaWsemgerWurerviWviWskiptabanka  eWasparisj;WskalkveWauminnleggbundinninnlnsreikning.    Reglurnr.55/2000,umrsreikningalfeyrissj;Wa.NUjarreglurstaWreglnaumrs r reikninganr.614/1997.Reglursamrmdarlgumnr.129/1997. e=  5.VtryggingamarkaWur.     Lgnr.60/1994,umvtryggingastarfsemi.     Breytingar: i   Lgnr.11/2000:StarfsheimildirFjrmlaeftirlitsinsstyrktar,sbr.umfjllunhraW \4 framan. '   Lgnr.97/2000:Lgfesttilskipun1998/78umviWb;tareftirlitmeWvtryggingaflgum  fyrirtkjah;pivtryggingasviWi.    5.gr.(sbr.54.gr.nverandilaga).Skv.5.gr.skalFjrmlaeftirlitiWa.m.k.rlegakanna `  gjaldYologgreiWsluYolvtryggingaflagagrundvellirsreikningsfyrirnstliWiWreiknings S+! rogannarranauWsynlegragagnaogupplUsingaumstarfsemina. "   FjrmlaeftirlitiWfylgistmeWviWskiptumvtryggingaflagsviWd;tturoghlutdeildarflg # Yess,flgsemhafayfirrWyfireWaeigahlutdeildvtryggingaflaginuogviWnnurd;ttur  $ oghlutdeildarflgYeirraflaga.EinnigskalFjrmlaeftirlitiWfylgjastmeWviWskiptum !W% vtryggingaflagsviWeinstaklingasemeiga20%hluteWastrriframangreindumflgum. J""& SrstaklegaskalfylgjastmeWlnum,byrgWumogliWumutanefnahagsreiknings,efnahags #' liWumsemmyndaWgetahlutaafgjaldYoli,fjrfestingum,endurtryggingaviWskiptumog #( &  samningumumkostnaWarskiptingu.rlegaskuluvtryggingaflgskilaFjrmlaeftirlitinu $ ) skUrsluumslkviWskiptieftirnnarikvrWunYess.'$~ v%N!*   Lgnr.69/2001umbreytingulagakvWumumeftirlitmeWeigendumvirkraeignar A&"+ hlutafjrmlafyrirtkjum:VarWareftirlitFjrmlaeftirlitsinsmeWeigendumvirkraeignar  '", hlutafjrmlafyrirtkjum,sbr.umfjllunaWofan. '#-   ReglugerWnr.853/1999,ummiWlunvtrygginga.FelldirgildireglugerWnr.351/1997. ( KveWiWummiWlunvtrygginga,starfsskilyrWiogstarfshtti.    ReglugerWnr.350/1997,umpr;fnefndvtryggingamiWlara,nmskeiWogpr;ftilYessaW  megastundamiWlunvtrygginga. a   Breytingar: T,   ReglugerWnr.643/2000:Breytingarerm.a.lutuaWnmsgreinum.    Reglurnr.85/1999,umhmarktjfnunarskuldarvtryggingaflagaannarraenlftrygg  ingaflagaogumtreikningYess.     AWlgunreglnaaWgildandireglugerWumrsreikningavtryggingaflaga.Felldurgildi  X reglurnr.154/1997. K #     ViWauki2.       (ViWskiptarWuneytiW11.ma2001.)      @ ListiyfirsamYykktarogvntanlegartilskipanir B  sviWifjrmlaYj;nustu(viWaukiIXEESsamningi).     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(FjrmlaeftirlitiWjn2001.MinnisblaW.)  X  YfirlityfirbendingarAlYj;Wagjaldeyrissj;WsinsFSAPathugun.       St;rYtturathugunAlYj;Wagjaldeyrissj;Wsinssemh;fstn;vembersWastarivaraW    kannahvortregluverkfjrmlamarkaWiogFjrmlaeftirlitiWsjlftuppfylltigrunnreglurum   rangursrktbankaeftirlit,vtryggingaeftirlitogverWbrfaeftirlitsemalYj;Wasamtkfjr wO  mlaeftirlita(BaselCommitteeonBankingSupervision,IAISogIOSCO)hafasettfram. B  SamhliWagrunnreglunumhafasamtkinm;taWtarlegritlkunarreglureWaaWferWafrWi    (methodology).     MeginvinnaFMEviWathuguninaf;lstundirbningihennar.ViWamiklumspurninga {  listumvarsvaraW,aukYesssemstarfsmennFMEunnusvokallaWsjlfsmat(selfassessment), nF semltilgrundvallarallrivinnuFSAPh;psins.MatFSAPh;psinsf;rframgrundvelli 9 gagnaumsjlfsmatFME.    FSAPh;purinnbeindisj;numsnumsrstaklegaaWlnakerfinu.MatYeirraeraWeigin  fjrhlutfllsuoflg,aukYesssemeiginfjrhlutfllinsemsUnderusu;traustvegnaveik r leikaregluverki,ekkisstaWYvervarWarafskriftir.XvYurfiaWstyrkjaeftirlitmeWlna e= markaWinum,bWieftirlitstaWnumogeftirlitgrundvellireglulegrargagnaflunar.Jafn 0 framtYurfiaWfylgjastmeWtlnahttulnakerfioglfeyrissj;Wum.    EftirfylgniviWgrunnreglurersemhrsegiraWmatiAlYj;Wagjaldeyrissj;Wsins:  *dXd  ??,dd ,dd +  \4\4 /Baselgrunnreglur:  c 5regluruppfylltar,15!16aWveruleguleyti,2!3reglur c uppfylltaraWlitluleytiog2ekkiuppfylltar. V. /0 /IAISgrunnreglur:  X  7regluruppfylltar,sexuppfylltaraWveruleguleyti,3 X! uppfylltaraWlitluleytiog1ekki. K#" /0 /IOSCOgrunnreglur:  uM# 15regluruppfylltarog15uppfylltaraWhlutaeWaaW uM$ veruleguleyti.@% /0    HreftirverWurgerWstuttgreinfyrirbendingumogathugasemdumoghvaWafarvegi !& Yreru.MrgatriWineruatriWisemFMEhafWiYegarhugaWaW.Upptalninghreftirerekki !' tmandi.  "t( *mdddd dd ??, G,G,G+  6'(( B6#""Ħp#[" Athugasemdirogbendingar ;,!@B" B; ForrWi/ @ verksviW ?,!B" B?AWgerWir SD,@B"    BS K(XKAlmennarathugasemdirogathugasemdir  semvarWallsviWfjrmlamarkaWar: ;,!pB" B; ?,!B" B? SD,B"    @SFMEerofltiWtilaWsinnallum X  verkefnumsemnauWsynlegter. ;,!8 @ @;FME/fjrhags X  ramminn ?,!8 @ @?XegarfjlgaWumYrj.tlun X  ummannaflaYrfundirbningi. SD,8@    @SSjlfstWi* ;,! @ @;Lggjf ?,! @ @?VerkaskiptingrWuneytaogFME   Yr;un.HugamaW   kvrWunarvaldiFME  h viWbnaWartlun. SD,H @    @SVeiting/afturkllunstarfsleyfaekkismu 0  hendi. ;,! @ @;Lggjf ?,!0 @ @?Bankalaganefnd 0  umrWuvettvangur. SD, @    @SHeimildirskortirfyrirFMEtilaWgefat   reglurumfjrmlamarkaWinn. ;,!` @ @;Lggjf ?,! @ @?LagahefWirsetjaskorWur.Almenn   leiWbeinanditilmlitilstaWar. SD,` @    @SReglurumviWskiptistarfsmannaskortir. ;,!pH @ @;FME/IVR ?,!pH @ @?0frgangi. SD,pH !@    @SStarfsmenneruekkiverndaWirgegnml X0 " s;knum(einkumgrunnreglabanka  # eftirliti). ;,! $@ @;Lggjf ?,!X0 %@ @? SD,X0 &@    @SAukinupplUsingaflunoggreining ' upplUsingaernauWsynleg. ;,!h@(@ @;FME ?,!)@ @?Verktlun.HugaYarfaWYessu * tlunummannaflaYrf. SD,h@+@    @SSkUraYarfhlutverkeftirlitimeWgreiWslu P(, miWlun. ;,!-@ @;FME/S0 ?,!P(.@ @?ErtilumrWu. SD,P(/@    @S  LnamarkaWur: ;,!1@  @; ?,!2@ @? SD,3@    @SStyrkjaYarfreglurumafskriftirog h4 httuflokkuntlna. ;,!H 5@ @;FME/Reikn. h6 skilarW ?,!H 7@ @?FylgstmeWvinnuGdC.M;tast h8 tengslumviWtlnaathuganir. SD,H 9@    @SEkkiheimildtilaWkrefjasthrra 0: eiginfjrhlutfalls. ;,!;@ @;Lggjf ?,!0<@ @?Bankalaganefnd 0= umrWuvettvangur. SD,>@    @SEflaYarfeftirlitstaWnum. ;,!?@ @;FME ?,!@@ @?VgionsiteaWaukast. A MismunandihefWir. SD,`B@    @SSkilgreinaYarflgumlntilvenslaWra pHC aWila. ;,!(D@ @;Lggjf ?,!pHE@ @?Bankalaganefnd pHF umrWuvettvangur. SD,(G@    @SSkerpaYarfreglurogleiWbeiningarum H eftirlitmeWhfistj;rnendaoghluthafa. ;,!I@ @;FME/lggjf ?,!J@ @?Verktlun. 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B    Mynd15 sUnirYr;uniWgjldumogtj;numskaWatryggingumsWustur,annarsvegar    Yr;unheildarfjrhWaoghinsvegariWgjldogtj;neiginhlut.   <l\X~lD `.@Xxx<<@ dd@E?;x<$; ?@?@?? ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ???@?@  AukiWgjaldaogtj;nahafarekstrarkostnaWur,fjrfestingartekjurogbreytingtjfnunar !W% skuldmikilhrifafkomuvtryggingastarfseminnar.RekstrarkostnaWurvar3,2ma.kr.oghefur J""& hkkaWjafntogYttsWustur.GengiWvartjfnunarskuldllumgreinaflokkum,mest #' lgboWnumkutkjatryggingumoginnlendumendurtryggingum.Namlkkuntjfnunar #( skuldarinnarum200m.kr.hvorumgreinaflokki. $ ) EinstakirgreinaflokkarskaWatrygginga. A&"+   Mynd16 sUnirhvernigiWgjldrsinshafaYr;asthelstugreinaflokkumskaWatrygginga.  '", JafnframtsstinnbyrWisvgieinstakragreinaflokkaiWgjaldatekjum. '#-   FrumtryggingaiWgjldrsins2000vorusamtals16,1ma.kr.,ensamsvaranditj;n17,9ma.kr. 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S+!  # @l\X~l jD `.@Xxx<<@ dd@E(jx<yl0( ?@?@?? ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ?@?@?@?@ ???@?@  0lgboWnumkutkjatryggingumhkkuWutj;nrsinsum16%frfyrrariognmu8,3 9 ma.kr.XauskiptastYannigaWtj;naskuldhkkaWium2,7ma.kr.enb;kfrWtj;nnmu5,6  ma.kr.Aftj;nagreiWslunumvoru62%vegnatj;nasemurWufyrrireikningsrum,en38%  vegnanUrratj;na.Tj;nsemurWureikningsrinulgboWnumkutkjatryggingumvorumet r in9,6ma.kr.rslok2000.AfYeirrifjrhWvar2,1ma.kr.Yegargreiddur. e=   0lgboWnumkutkjatryggingumogeignatryggingumvorutj;nverulegahrrieniWgjld. 0 Tj;nahlutfalllgboWnumkutkjatryggingumlkkaWiY;frfyrrari,endahkkuWuiWgjld  mikiWeinsogfyrrsegir.FrekarihkkuniWgjaldateknaerfyrirsjanlegYeimgreinaflokki,Yar  semiWgjaldahkkanirrinu2000komuekkiaWfulluframYvri.Tj;nahlutfalliWttiYv i aWlkkaframyfirstandandiri,nematj;naYr;unsnistmjgtilhinsverra.Mikillhlutiaf \4 hkkuntj;naeignatryggingumkemurhlutendurtryggjenda,ogvorueigintj;n96%afeigin ' iWgjldum.  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(   SamanlagWareignirvtryggingaflagavoru63,3ma.kr.viWlokrsins2000oghfWuY  hkkaWfrfyrrarium6,6ma.kr.0samrmiviWeWlivtryggingastarfsemivorufjrfestingar  strstieignaliWurflaganna,44,7ma.kr.rslok2000.Skuldameginervtryggingaskuldin a strst,43,8ma.kr.0gr;fumdrttummsegjaaWfjrfestingarogvtryggingaskuldsunlgt T, 70%afefnahagvtryggingaflaga.    Mynd20 sUnirYr;unhelstufjrfestingaliWa.VxturfjrfestingumvareinkumverW  brfummeWbreytilegumtekjum,enhluturverWbrfameWfstumtekjumminnkaWi.Blaln,   semerumeirihlutiveWlna,vorurslok2000svipuWogriWWur,enveWlnheilddr;gust  X heldursaman. K #   ?R?R?? HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ?R?RHH HH?R?R ??HHm9)%`|0G `X `E* ``R m߰   Mynd21 sUnireigiWfogvtryggingaskuldheild.BWirliWirhafavaxiWjafntogYtt. S+! 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