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'#- 99/1999,umgreiWslu'a 'IԀkostnaWarviWopinberteftirlitmeWfjrmlastarfsemi.ViWkvrWun (z$. _ Yeirra_ lagningarhlutfalla_ ԀvargertrWfyriraW_ innheimtar_ ԀyrWu210,4_ m.kr_ .NergertrW ( fyriraW_ lagningin_ Ԁnemi211,7_ m.kr_ .eWaum0,6%hrrifjrhWentluWvar.UmeraW  rWahrifbreytinga_ eftirlitsskyldum_ ԀaWilum.   2.  EndurskoWuWrekstrartlunvegnarsins2002.  T,   ViWgerW_ rekstrartlunar_ ԀfyrirriW2003hefur_ FjrmlaeftirlitiW_ ԀendurskoWaWrekstrar  tlunYessars.0tflu1erbirtendurskoWuWrekstrartlunmiWaWviWjl2002(dlkur2),  samanburWiviWupphaflegatlun.ViWbreytingarmeWfrumAlYingisfrumvarpitillaga   umbreytingulgumnr.99/1999lkkaWitlaWlagt_ eftirlitsgjald_ Ԁumtplega4,6_ m.kr_ .  X ogtekur_ niWurstWutala_ Ԁdlki1(gjldalls)miWafYv. K #    SamkvmtendurskoWaWritlunverWurrekstrarkostnaWurstofnunarinnarinnan_ tekjutl    unar_ Ԁrinu.TekjurmnusgjldeWa_ uppsafnaWur_ Ԁtekjuafgangurmunnema3,4_ m.kr_ .sam    kvmttlun.tlaWeraWtekjurstofnunarinnarverWimeiriengertvarrWfyrirendur   skoWaWriupphaflegritlunognemi267_ m.kr_ .staW259,4,eWaum2,8%umfram_ endur wO  skoWaWa_ Ԁupphaflegatlun(dlkur1,tflu1).Tekjurumframtlunmrekjatilhrri B  _ uppsafnaWs_ Ԁ_ tekjuafgangs_ Ԁrslok2001(2,7_ m.kr_ .),tlaWrateknavegnavinnuviW_ t    boWslUsingar_ Ԁ(um0,8_ m.kr_ .),hrri_ eftirlitstekna_ Ԁvegnabreytinga_ eftirlitsskyldum_ ԀaWilum   (1,3_ m.kr_ .)ogaWsWustuhrri_ vaxtatekna_ ԀenupphaflegavargertrWfyrir(2,7_ m.kr_ .). {  _ Vantlun_ Ԁ_ vaxtatekna_ ԀstafarfyrstogfremstafYvaW_ FjrmlaeftirlitiW_ ԀhafWiekkifengiW nF staWfestarupplUsingarum_ vaxtapr;sentu_ ,YegarupphaflegtlunvargerW,enbreytingar 9 st;Wuyfir_ reikningsviWskiptum_ ԀviWSeWlabanka_ 0slands.  _   hinnb;ginnerfyrirsWaWrekstrarkostnaWurstofnunarinnarverWihrrienendurskoWuW  upphaflegtlungerWirWfyrirognemi263,5_ m.kr_ .staW259,4_ m.kr_ .,eWa1,6%umfram r endurskoWaWaupphaflegatlun.HelstafrvikfrupphaflegritluneraWlaunakostnaWur e= erntlaWurhrrienupphaflegavargertrWfyrir,um3,8_ m.kr_ .eWasemnemurum2%. 0 0upphaflegrirekstrartlun_ Fjrmlaeftirlitsins_ ԀfyrirYettarvartlaWaWupphafirsins  yrWustWugilditplega30,envorureynd31vegnatveggjastarfsmanna_ tmabundinni_   rWningu.0upphaflegritlunvargertrWfyriraWstWugildirslokyrWu33,entlaWer i naWYauverWi32,8.XegarhefurveriWrWiWYaustrf. \4   stWurYessaWlaunakostnaWurernokkruhrrientlaWvareraWlaunakostnaWurviW ' _ nUrWningar_ ԀerhrrientlaWhafWiveriW.EinnighefurnokkurskrunorWiWvegna  _ mannabreytinga_ ԀaukYesssemtmabundnarrWningarhafaveriWfleirienmeWalrivegna  srstakraverkefnaogtilaWleysaverkefnivegna_ fWingarorlofs_ Ԁstarfsmanna.SkrunviW `  mannabreytingarogtmabundnarrWningarleiWatilYessaW_ meWalstWugildi_ ԀrinuverWa S+! rltiWfleiriengertvarrWfyriroglaunakostnaWurmeiri. "   AnnaWfrvikfrupphaflegritluneraWkostnaWurvegnareksturstlvubnaWarog # srfrWiYj;nustuvegna_ tlvumla_ ԀreynistmeirientlaWvar,16,6_ m.kr_ .staW13,9_ m.kr_ .  $ eWahkkunum19%.stWurYessaeruaWleigabnaWireyndisthrrientlaWvarog !W% uppfrslur_ kostnaWarsamari_ .Xtaldi_ FjrmlaeftirlitiW_ Ԁ;hjkvmilegtaWhraWaendurb;tum J""& _ heimasWu_ Ԁ_ eftirlitsins_ ԀenhnhefurveriW;breyttfrmiWjuri2000._ heimasWunni_ Ԁvoru #' gallarsemst;WunUtinguhennarfyrirYrifum. #(   hinnb;ginnerkostnaWurvegnaferWaerlendisrinuntlaWurminnienendur $ ) skoWuWupphaflegtlun(tafla1,dlkur1)gerWirWfyrir.stWaYesseraW_ ferWakostnaWur_  v%N!* erheldurminnihverjaferWengertvarrWfyrirvegna_ hagstWrar_ Ԁ_ gengisYr;unar_ .Einnig A&"+ hefur_ FjrmlaeftirlitiW_ ԀbeittstrnguaWhaldiograunekkitekiWYtterlendusamstarfi  '", snusviWieinsogskilegtvri. '#-   Ennfremurreynist_ hsnWiskostnaWur_ ԀlgrientlaWvarvegnahagstWari_ verWlags (z$. Yr;unar_ ԀengerthafWiveriWrWfyrir.XvarkostnaWurvegna_ eignakaupa_ ,tengslumviW ( stkkunhsnWisogfjlgunstarfsmanna,minnientlaWvarYarsemhlutiYesskostnaWar  fllriW2001.m;tikemuraWUmisgjldogYj;nustavoru_ vantluW_ ,einkumvegna  _ stofnkostnaWar_ ԀviWstkkunhsnWis. a   Xeru_ Ytttkugjld_ ԀvegnaerlendssamstarfstluW2,5_ m.kr_ .endurskoWaWritlun T, staW4_ m.kr_ .stWaYessaereinkumaW_ Ytttkugjld_ Ԁvegna_ Samstarfsnefndar_ Ԁevr;pskra  _ verWbrfaeftirlita_ Ԁ(_ CESR_ ,Wur_ FESCO_ )hfWuekkiveriWkveWinviWgerW_ upphaflegrar_   _ tlunar_ ԀogreyndustlgrienYarvartlaW.     EinsogWursegirergertrWfyriraW_ uppsafnaWur_ Ԁ_ rekstrarafgangur_ Ԁrslok2002,sem  X kemurtil_ frdrttar_ Ԁlagningunstars,nemium3,4_ m.kr_ . K #   3.  RekstrartlunfyrirriW2003.       0tflu1erbirtrekstrartlunfyrirriW2003samanburWiviWupphaflegarekstrartlun   ogendurskoWaWatlunfyrirYettar.HreftirverWurgerWgreinfyrirhelstuforsendum wO  hennar. B  Helstuforsendur_ rekstrartlunarinnar_ .     FjldistarfsmannaerrWandiYtturrekstrarkostnaWi_ Fjrmlaeftirlitsins_ .Affjlda {  starfsmannarWasthelstustrWiraWnokkrueWalluleyti,svosemlaunog_ launatengd_ Ԁgjld, nF strWhsnWisogumfangtlvubnaWar.sWastarivann_ FjrmlaeftirlitiW_ Ԁmat_ starfs 9 mannaYrf_ ԀstofnuninniogfylgdigreinargerWYessefnismeWrekstrartlunYeirrisemY  varunnin.0greinargerWinnivarlagttarlegtmat_ starfsmannaYrf_ Ԁ_ Fjrmlaeftirlitsins_ Ԁtil  skemmritmaoghugaWaWYrftillengritma.Nerlj;staWtlunum_ starfsmannaYrf_  r stofnunarinnartilskemmritma,_ Y.e._ Ԁtilrsloka2002,hefurmeginatriWumgengiWeftir.0 e= umrddrigreinargerWvarY;tekiWframaW_ FjrmlaeftirlitiW_ ԀteldibrUntaWfjlgastarfs 0 mnnumennmeiratmabilinuenekkiYykiraunhftaWfrekarifjlgunsframkvmanleg  svostuttumtma.TillengritmavarYaWennfremurniWurstaWanaWYrfvrinokkurri  fjlgunstarfsmannansturumeftir2002. i   _ FjrmlaeftirlitiW_ Ԁleggurekkitilfjlgunstarfsf;lksrinu2003forsendumfyrir \4 rekstrartlunrsins,YrttfyrirniWurstWur_ framangreindrar_ Ԁ_ greinargerWar_ .stWurnareru ' einkumtvr.    Annarsvegarleggur_ FjrmlaeftirlitiW_ ԀhersluaWnUtatilfullnustureynsluogYekkingu  semnerfyrirhendi.Lj;steraWnokkurntmatekuraWnframfullrinUtingureynsluog `  Yekkingu_ nUrWins_ Ԁstarfsf;lks.RttYykiraWleggjaherslurangurYeimefnumogmeta S+! framhaldinuYrffrekarifjlgunstarfsmanna. "   Hinsvegartelur_ FjrmlaeftirlitiW_ ԀerfiWleikumbundiWaWmetaYrffjlgunstarfsmanna # einsogaWstWurerun.stWanereinkumsaW_ rWgerWar_ ԀeruUmsarbreytingarlgum  $ umfjrmlastarfsemiogmargartilskipanir_ fjrmlasviWi_ ԀerutilendurskoWunarog !W% meWferWarvettvangi_ Evr;pusambandsins_ .EnnfremureruviWamiklarbreytingarundirbn J""& ingialYj;Wlegum_ eiginfjrreglum_ Ԁ_ lnastofnana_ ԀsemhafamunufrmeWsrbreytingar #' eftirliti.Ekkierhinsvegarlj;stYessustigihvaWabreytingarverWaendanlegagerWarogY #( hvaWahrifYrmunuhafa_ FjrmlaeftirlitiW_ .& a Ԁ_ FjrmlaeftirlitiW_ ԀvntirYessaWbetrifor $ ) sendurskapisttilmatsYessunstari. v%N!*   NnarverWurfjallaWumrekstur_ Fjrmlaeftirlitsins_ ԀnsturumviWaukahreftir.'a$| A&"+    '", & a  LaunakostnaWur. (   EinsogWurerframkomiWergertrWfyrirYvdrgumaWtlunfyrirnstaraWfst  stWugildi'a(~Ԁhaldist;breyttfrYvsemtlaWeraWverWibyrjunnstars,eWa33stWugildi.  TilviWb;tarverWisvigrmtilaWrWa_ sumarstarfsmenn_ Ԁog_ nmsf;lk_ Ԁtmabundinverkefni. a   _ Launabreytingar_ Ԁfylgjakjarasamningum,enstarfsmenn_ Fjrmlaeftirlitsins_ ԀYiggjalaun T, samkvmtkjarasamningumbankamannaogkjarasamningumopinberrastarfsmanna.  SamkvmtYessumkjarasamningumergertrWfyrir3%launahkkunfr1.janar2003.  EinnigergertrWfyrirWrumsamningsbundnumog_ starfsaldurstengdum_ Ԁbreytingum   launumoglaunatengdumgjldum.Xer_ drgunum_ ԀgertrWfyrir_ launabreytingum_ Ԁsem  X fylgja_ nUrWningum_ Ԁstarfsf;lks. K #    AWteknutillititilframangreindraforsendnaergertrWfyriraWlaunog_ launatengd_ Ԁgjld    rinu2003nemium187,2_ m.kr_ .,eWa1,9%hkkunfrendurskoWaWritlunfyrirriW    2002.     EkkiergertrWfyrirbreytingumlaunumstj;rnarmanna_ Fjrmlaeftirlitinu_ ,enYaueru wO  kveWinafviWskiptarWherra.SamrWsnefndhefursWusturumgagnrUnt_ stj;rnarlaunin_ Ԁog B  YaWaWvaramennskuliboWaWirallastj;rnarfundi._ FjrmlaeftirlitiW_ ԀleggurennhersluaW    _ varastj;rnarmenn_ ԀsuvirkirYtttakendurllumstrfumstj;rnarogfylgistvelmeW   starfsemistofnunarinnar.Vegna_ strangra_ Ԁ_ hfisreglna_ Ԁsemstj;rninhefursettsr,er {  nauWsynlegtaW_ varastj;rnarmenn_ ԀhafiallarnauWsynlegarforsendurtilaWgetafyrirvaraltiW nF tekiWYttkvrWunumhennar.RtteraWtakaframaW_ varastj;rnarmenn_ Ԁfekki_ stj;rnarlaun_  9 tiljafnsviW_ aWalmenn_ .WurhefurveriWfariWyfirYettafyrirkomulagogsj;narmiWmeW  samrWsnefndaukYesssemgerWhefurveriWgreinfyrirYessubrfumogskUrslum  _ Fjrmlaeftirlitsins_ ԀtilviWskiptarWherravegnafyrri_ rekstrartlana_ Ԁstofnunarinnar. r KostnaWurviWendurmenntun. 0   Samkvmt_ smenntunarstefnu_ Ԁ_ Fjrmlaeftirlitsins_ ԀerstefntaWYvaWkostnaWurvegna  _ smenntunar_ Ԁnemi3%af_ heildarlaunum_ .EkkierdrgumaWtlungertrWfyrir_ srgreind  um_ ԀliWvegnaYessaheldurfellurYessikostnaWurundirliWi3,5,10,14og16.Samkvmt i _ smenntunarstefnunni_ ԀergertrWfyrirfyrirframkveWinniskiptingukostnaWarins,_ Y.e._ Ԁ75% \4 vegna_ nmskeiWaYtttku_ ,20%vegnab;kaogtmaritaog5%vegna_ frWafunda_ .Srstk ' nefndstarfsmannastofnunarinnartekurviWogvinnurrums;knumoghugmyndumum  rWstfuntlaWrafjrmunatil_ smenntunar_ Ԁinnanframangreindra_ viWmiWana_ Ԁoggerir  tillgurtilforstj;ra. `  ReksturhsnWi. "   Hsaleigabyggirfstumsamningumsembundnireruvsitlu_ neysluverWs_ .tlun # vegnarafmagns,hitaog_ hsflags_ ԀerbyggWreynslu.  $ ReksturtlvubnaWar. J""&   GerterrWfyriraWkostnaWurvegnatlvubnaWarhaldist;breytturnstari,smiWaW #' viWendurskoWaWatlunfyrirYettar.tluninerbyggWreynslusWusturaogfjlda #( starfsf;lks.Starfsf;lki_ Fjrmlaeftirlitsins_ ԀhefurfjlgaWognverandi_ grunnkerfi_ Ԁerekkifull $ ) ngjandimiWaWviWaukna_ afkastaYrf_ .XaWkallardUrarakerfiviWendurnUjunsemfyrir v%N!* huguWersWustumnuWumrsins2002.SkostnaWurkemurfram_ rekstrarleigugjldum_  A&"+ tlvubnaWaralltriW2003.Einsog_ samrWsnefndinni_ Ԁerkunnugthefur_ FjrmlaeftirlitiW_   '", tekiWnrallan_ tlvubnaW_ ԀleigustaWYessaWkaupahann.ReglulegurrekstrarkostnaWur '#- erYvnokkuWhr,enstofnkostnaWuraWsamaskapiminni. (z$. Ї_ FerWakostnaWur_ ԀogkostnaWurvegnafunda. (   _ FerWakostnaWur_ ԀnstariertlaWurnokkuWhrrienendurskoWuWtlunfyrirYetta  rgerirrWfyrirenY;lgrienupphaflegtlunfyrirYettargerWirWfyrir.GerterrW  fyrir62ferWumnstaristaW56Yessuri.RtteraWtakaframaWYrfalYj;Wlegu a samstarfieftirliti_ fjrmlamarkaWi_ ԀverWursfelltmeirimeWaukinnisamtengingumarkaWa. T, _ FjrmlaeftirlitiW_ ԀsinnirvWtkri_ upplUsingagjf_ ԀumerlentsamstarfsemYaWtekurYtt.  XannigbirtirYaW_ heimasWu_ ԀsinniyfirlityfirYtttku_ Fjrmlaeftirlitsins_ Ԁerlendu  samstarfi,YarsemframkemurumhvaWasamstarferaWrWa,hverjirerufulltrar_ Fjrmla   eftirlitsins_ Ԁsamstarfinuoghvernigfundirerus;ttir.Ennfremurleitast_ FjrmlaeftirlitiW_ ԀviW  X aWmiWlaupplUsingumrerlendusamstarfitil_ fjrmlafyrirtkja_ ,_ m.a._ ԀmeWYvaWbirtafrttir K #  _ heimasWu_ Ԁsinni.      VakinerathygliYvaWtlaWurkostnaWurvegnaferWaerlendisriW2003ertplega7%    hrrienvarrinu2000.SamanburWurviWriW2001er_ ;raunhfur_ Ԁvegnafjldafunda   erlendusamstarfisemhaldnirvoruhrlandiYvrienm;tivarkostnaWurvegnafunda wO  hrlandihrrienvenjulegasamari. B    _ Fjrmlaeftirlitinu_ ԀbernokkrumtilvikumaWgreiWa_ Ytttkugjld_ Ԁerlendusamstarfi.    Hstu_ Ytttkugjldin_ ԀvarWarekstur_ Samstarfsnefndar_ Ԁevr;pskra_ verWbrfaeftirlita_ ,_ Commit   tee_ Ԁof_ European_ Ԁ_ Securities_ Ԁ_ Regulators_ Ԁ(_ CESR_ ,Wur_ FESCO_ ),enstarfseminefndarinnarer {  kostuWafYtttakendumtilteknum_ strWarhlutfllum_ .Nokkur;vissaerumrekstrarkostnaW nF nefndarinnarnstari,entluningerirekkirWfyrirmiklumbreytingum.0Yessusam 9 bandiereinnigrttaWbendaaWaWildaW_ alYj;Wasamstarfi_ Ԁ_ verWbrfaeftirlita_ Ԁertilathugunar  en0slandereittaffumvestrnumrkjumsemstendurutanYesssamstarfs.AWildslenskra  stj;rnvaldaaW_ alYj;Wasamtkum_ ԀsviWi_ fjrmlaeftirlits_ ԀermikilvgurYtturaWtryggja r alYj;Wlega_ samkeppnishfni_ Ԁslensks_ fjrmlamarkaWar_ ,endagerWarkrfurumaWhverYj;W e= fyrirsiguppfyllikveWnar_ lgmarkskrfur_ ԀeftirlitiogumgjrW_ fjrmlamarkaWar_ . 0 AnnarkostnaWur.    AWrir_ kostnaWarliWir_ ԀerubyggWirreynslufyrrira.GerterrWfyrirtluverWrilkkun i kostnaWivegna_ eignakaupa_ ԀogUmissagjaldaogYj;nustu,miWaWviWtlanirfyrirYettar, \4 YarsemstkkunhsnWisogfjlgunstarfsf;lksf;l_ m.a._ ԀsrkostnaWsemaWeinsflltil ' r.XettaeinnigviWumYr;tta-og_ gististyrki_ Ԁtilstarfsmannaen20%hkkunmillira  stafaraffjlgun_ fastrWinna_ Ԁstarfsmanna.  AWrartekjur,_ vaxtatekjur_ . S+!   Einsogkunnugterfr_ FjrmlaeftirlitiW_ Ԁvextiaf_ innstWu_ ԀreikningiSeWlabanka0slands. " _ Vaxtatekjurnar_ ԀerubyggWar_ tlaWri_ Ԁ_ meWalstWu_ Ԁ_ innstWu_ ԀmiWaWviWlagningusemmiWast # viWdrgaWrekstrartlun.  $   _ FjrmlaeftirlitiW_ ԀgerirennfremurrWfyrir_ yfirlestri_ Ԁ_ tboWslUsinga_ Ԁvegnaalmennra !W% _ tboWa_ ,enkostnaWurafYeirrivinnuer_ innheimtur_ ԀsamkvmtgjaldskrsemmiWastviW J""& _ tmagjald_ . #'  4.  _ lagning_ Ԁ_ eftirlitsgjalds_ ԀfyrirriW2003.  $ )   Samkvmt1.mgr.2.gr.laganr.99/1999skal_ FME_ ԀleggjamatYr;unstarfseminnar v%N!* undangenginYrjrmeWtillititilYesstmasemtlamaWfariWhafieftirlitmeWhverjum A&"+ flokki_ eftirlitsskyldra_ ԀaWila.  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EinsogWurervikiWaWerfjldistarfsmannarWandiYtturrekstriogrekstrarkostnaWi {  _ Fjrmlaeftirlitsins_ .0YvskyniaWstyrkjastefnum;tun_ Fjrmlaeftirlitsins_ Ԁogauka nF nkvmnitlanagerWYessvann_ FjrmlaeftirlitiW_ Ԁsrstaktmat_ starfsmannaYrf_ ԀsWasta 9 ri,sembirtvarsem_ fylgiskjal_ ԀviWrekstrartlunogkynnt_ heimasWu_ Ԁ_ eftirlitsins_ .ViWgerW  matsinsvarbyggtviWurkenndumaWferWumviWmat_ starfsmannaYrf_ Ԁognaut  _ FjrmlaeftirlitiW_ ԀYaraWstoWar_ rWgjafafyrirtkisins_ Ԁ_ IMG_ .MatiWvarmiWaWviW1.jl2001, r envarbWitilskemmrioglengritma.RttYykiraWvekjahrathygliniWurstWumYess e= mats. 0   0greinargerWinnivarlitiWbWitilytrioginnriYttaviWmat_ starfsmannafjlda_ .HvaW  ytriYttivarWarvarfjallaWsrstaklegaumYr;un_ fjrmlamarkaWar_ ԀogsrstakrasviWahans  ogleitastviWaWleggjamatYYr;un.JafnframtvarlitiWtil_ lagabreytinga_ ԀsemgerWarhfWu i veriWogeinnig_ reifuW_ ԀlklegYr;unlggjafar.FjallaWvarennfremurumalYj;Wlegtsamstarf \4 YessusviWi,greintfrathugun_ AlYj;Wagjaldeyrissj;Wsins_ Ԁ_ fjrmlastWugleika_ Ԁhrlandi, ' hugaWaWbreyttumvinnubrgWumstarfsemi_ fjrmlamarkaWi_ ԀmeWauknu_ gegnsi_ Ԁoglagt  matYr;unsamskipta_ Fjrmlaeftirlitsins_ ԀviW_ fjrmlafyrirtki_ ԀogviWskiptamennYeirra.    AWYvervarWarinnriYttisemhrifhafamat_ starfsmannafjlda_ ԀvarfjallaWumYr;un `  _ starfsmannafjlda_ ԀhingaWtil,leitastviWaWleggjamat_ starfsmannaveltu_ ԀogfjallaWumskipu S+! lagogrlausnverkefnahj_ Fjrmlaeftirlitinu_ .EinnigvargreintfrsamsetninguYekkingar " ogreynslumeWalstarfsf;lksstofnunarinnar,meWhliWsj;nafmenntun,starfsaldriogverk # sviWi.XvarfjallaWumnUtingustarfsf;lks,skiptinguvinnu_ eftirlitsskylda_ ԀaWilaogskipt  $ ingukostnaWar.AWsWustuvarlagtmat_ samkeppnishfni_ Ԁ_ Fjrmlaeftirlitsins_ ԀviWaWlaWa !W% tilsnnUttstarfsf;lk. J""&   grundvelliYessaraupplUsingavarleitastviWaWleggjamat_ starfsmannaYrf_ .VarpaW #' varframspurningunnihvortYrfvrifjlgunstarfsmanna.UmYaWsagWieftirfarandi: #(   ?XaWererfiWleikumbundiWaWmetahvaWahrifYr;un_ fjrmlamarkaWi_ ,Yr;unlggjafar $ ) ogYr;un_ eftirlitsins_ Ԁsjlfshefur_ starfsmannaYrf_ Ԁ_ FME_ .XauatriWisemrakinerukafla1 v%N!* hraWframanbendaflesttilYessaWverkefni_ FME_ Ԁmuni&  ԀhaldaframaWaukastnstu A&"+ _ missirum_ ,hvortsemlitiWertillengritmaeWaskemmritma.'A&q  '",     XegarhorftertilskemmritmavirWistYrffjlgunstarfsmannaauglj;s.Nefnam '#- nokkuratriWiYvsambandi: (z$.  9ikm;o<=>@(gx0 _ikmo"i0J"  i0Js 2g!3  Ԉ0    FyrirligguraWstarfsmnnumhefurekkifjlgaWtaktviWvxt_ fjrmlafyrirtkja_ ,breyt ( ingarfjrmlastarfsemiogfjlgunverkefnasemYvfylgja.i0Jss݌ Ќ  "i0J"  i0JSu 2g!3  Ԉ0    LggjafinnhefurfengiW_ FME_ ԀaukinverkefnimeWnUlegum_ lagabreytingum_ .i0JSuu݌ Ќ  "i0J"  i0Jv 2g!3  Ԉ0    Eftirspurn_ fjrmlafyrirtkja_ ԀogviWskiptamannaYeirraeftirliWsinni_ FME_ Ԁhefuraukist a taktviWauknakynningu_ FME_ Ԁogaukinverkefni.i0Jvv݌T, Ќ  "i0J"  i0J}x 2g!3  Ԉ0    BrbturUmsumYttumlgumogreglumogstarfsemi_ eftirlitsins_ ԀsjlfserubrUnar,  einsog_ tilvitnuW_ ԀskUrsla_ AlYj;Wagjaldeyrissj;Wsins_ ԀsUnirvel.i0J}xx݌ Ќ    XegarhorftertillengritmamnefnafleiriatriWi:   "i0J"  i0Jz 2g!3  Ԉ0    FyrirsjanlegYr;un_ fjrmlamarkaWar_ ԀbendireindregiWtilYessaWtillengritmamuni  X verkefni_ FME_ ԀogkrfurtilYessaukast.NgiraWnefnatrs_ fjrmlafyrirtkja_ Ԁog K #  sfelldaYr;untttilfl;knariogmargYttaristarfsemiYarsemreynirmrklagaog    reglna.i0Jzz݌   Ќ  "i0J"  i0Jg} 2g!3  Ԉ0    FyrirhugaWarogYegarkveWnarbreytingarlgumogreglum,semreifaWareruhraW   framanbendaeinnigYessatt.NefnamsemdmiaWbreytingar_ eiginfjrreglum_  wO  _ lnastofnana_ ԀmununsturumhafafrmeWsrveigamiklarbreytingareftirlitiog B  auknarkrfurtil_ fjrmlaeftirlita_ .i0Jg}}݌   Ќ  "i0J"  i0J  2g!3  Ԉ0    Aukinn_ sUnileiki_ Ԁ_ Fjrmlaeftirlitsins_ Ԁeykureftirspurn_ fjrmlafyrirtkja_ ԀogviWskipta   mannaYeirra.EinnigbendirallttilaWstyrking_ eftirlitsins_ ԀleiWiafsrauknaeftirspurn {  _ fjrmlafyrirtkja_ ԀeftirliWsinni_ undirbningsstigi_ ,_ t.d._ ԀYegarnUYj;nustaerboWin.i0J 6݌nF Ќ    EinsogframhefurkomiWerbrUntaWnotaallarleiWirtilaWnUtaYekkinguogreynslu 9 starfsf;lkssembest.TeljaverWuraWtpastverWimeWg;Wum;tigengiWlengraYeimefnum  meW;breyttumfjldastarfsf;lks.Btt_ gagnaskil_ Ԁ_ fjrmlafyrirtkja_ ԀgtuY;skapaWsvigrm  fyrirauknanUtingu,enslk_ gagnaskil_ ԀerukostnaWarsmfyrireftirlitiW._ FME_ Ԁtelurennfremur r aWaukiW_ gegnsi_ Ԁstarfsemi_ fjrmlafyrirtkja_ ԀgetidregiWrYrffjlgunstarfsmannatil e= lengritmaefvelermlumhaldiW.Hefur_ FME_ ԀskilgreintaukiW_ gegnsi_ ԀsemhersluatriWi 0 nstu_ missira_ ,sbr.rsskUrslusemgefinvartsWastari.     AWsWustuvargreinargerWinnilagtmat_ starfsmannaYrf_ Ԁtilskammstma.HliWsj;nvar  hfWafmatitilskemmritmaviWgerW_ rekstrartlunar_ Ԁfyriryfirstandandiroghefurs i tlunmeginatriWumgengiWeftir,einsogframkemurgreinargerWumrekstrartlunfyrir \4 riW2003.EnnfremurvargreinargerWinnireyntaWleggjamat_ starfsmannaYrf_ Ԁtillengri ' tma.UmYaWsagWieftirfarandi:    ?Framangreindtluntillokarsins2002eraWmati_ FME_ Ԁ;fullngjanditillengritma.  Lj;steraWhinarnUju_ eiginfjrreglur_ Ԁ_ Basel_ -nefndarum_ bankaeftirlit_ ԀmunueinarogsrYUWa `  nokkrafjlgunfyrirriW2005,meWherslugreininguog_ httustUringu_ .XettarWstY;af S+! Yvhvortoghvemiklummlislenskarlnastofnanirveljasrfl;knari_ matskerfi_ . "   XgefurfyrirsjanlegYr;un,einsoghennierlUsthraWframan,tilkynnaaWstyrkjaYurfi # ennfrekar_ markaWsvakt_ ,aukYesssemfyrirhuguWfjlguneftirlitigrundvelli  $ _ reglubundinna_ Ԁ_ gagnaskila_ Ԁ(off-site)erekkifullngjanditillengritmalitiW. !W%   MeWhliWsj;nafframangreindumforsendummtlaaWYrfsnokkurrifjlgun J""& starfsmannansturumeftir2002. #'   RtteraWtrekaaW_ langtmamat_ Ԁ& a Ԁ_ starfsmannaYrf_ Ԁermikilli;vissuhW.Xannigkynnu #( ytriaWstWur,svosembreyttskipulageftirlitsinnanEvr;pska_ efnahagssvWisins_ ,aWhafa $ ) veruleghriftlanirafYessutagi. 'a# v%N!*  2.  Mat_ AlYj;Wagjaldeyrissj;Wsins_ .   '",   MikilvgterviWmat_ rekstrarumfangi_ Ԁ_ Fjrmlaeftirlitsins_ ԀaWtakamiWafYeim '#- alYj;WlegukrfumsemgerWarertileftirlits_ fjrmlamarkaWi_ . (z$.   0skUrslusem_ AlYj;Wagjaldeyrissj;Wurinn_ ԀgaftjnsWastarieraWfinnamatsj;Wsins ( slensku_ fjrmlakerfi_ ԀtengslumviWsrstakaathugunhans_ fjrmlastWugleika_   (_ Financial_ Ԁ_ Sector_ Ԁ_ Stability_ Ԁ_ Assessment_ ),Yarsem_ FjrmlaeftirlitiW_ ԀogstarfsemiYessvar_ m.a._   tilskoWunar.Athuguninvarhluti_ ttektar_ Ԁ_ fjrmlastWugleika_ Ԁallra_ aWildarrkja_ .Helstu a niWurstWurervarWastrW_ FME_ Ԁvorueftirfarandi: T, "i0J"  i0Jږ 2g!3  Ԉ0    FjlgaYurfiverulegastarfsf;lki_ Fjrmlaeftirlitinu_ .i0Jږ݌ Ќ  "i0J"  i0J 2g!3  Ԉ0    StyrkjaYurfieftirlitstaWnum,einkummeWlnastofnunumog_ vtryggingaflgum_ .i0J.݌ Ќ  "i0J "  i0JD 2g!3  Ԉ0    EflaYurfiverulegaupplUsingaflun_ FME_ ,greininguupplUsingaogeftirlitgrundvelli   Yeirra.i0JDq݌ X Ќ  "i0J "  i0J 2g!3  Ԉ0    StyrkjaYurfiheimildir_ FME_ ԀtilaWkveWaumhrri_ eiginfjrhlutfll_ Ԁeinstakra_ lnastofn K #  ana_ .i0Jؚ݌   Ќ  "i0J "  i0JQ 2g!3  Ԉ0    HugaverWiaWsjlfstWi_ FME_ ._ AlYj;Wagjaldeyrissj;Wurinn_ ԀtelurbrUntaW_ FME_ ԀfiYaW    hlutverkaWveitaogafturkallastarfsleyfi_ fjrmlamarkaWi_ ԀstaWrWuneytisins.i0JQ~݌  Ќ  "i0J "  i0J 2g!3  Ԉ0    StyrkjaYurfi_ reglusetningarhlutverk_ Ԁ_ FME_ Ԁ_ fjrmlamarkaWi_ .i0J݌wO  Ќ  "i0J "  i0J 2g!3  Ԉ0    GerWareruathugasemdirviWgildandilgogreglur.Nefnamsemdmireglurum B  _ afskriftir_ Ԁog_ httuflokkun_ Ԁ_ tlna_ .i0J݌   Ќ  "i0J"  i0J 2g!3  Ԉ0    LagtertilaW_ FME_ ԀaukihlutverksitteftirlitimeWgreiWslumiWlunogaWverkaskipting   milliSeWlabankaog_ FME_ ԀverWiskUrW.i0Jҡ݌{  Ќ    Sendinefnd_ AlYj;Wagjaldeyrissj;Wsins_ Ԁkynntisrslenskefnahagsml(_ Article_ Ԁ_ IV_ Ԁ_ Assess nF ment_ )fundummeWfulltrumstj;rnvaldadagana18.!27.marssl.0liti_ AlYj;Wagjaldeyris 9 sj;Wsins_ ԀeftirYheims;knkom_ m.a._ Ԁeftirfarandifram:    ?Stj;rnvldhafanWverulegumrangriviWaWtakaveikleikumreglumsemvarWastarf  semiogeftirlit_ fjrmlamarkaWi_ Ԁsembentvarsvonefndri_ FSSA_ ԀskUrslu(e._ Financial_  r _ Stability_ Ԁ_ Assessment_ Ԁ_ Report_ )riW2001._ FjrmlaeftirlitiW_ ԀlagWisrstakahersluaWbankar e= ykjueigiWfsitt.ViWleitnistj;rnvaldahefurYegarskilaWbetrirekstrar-og_ Yj;Whagsvsbend 0 ingum_ ԀsemnotaWarerutilaWmeta_ fjrmlastWugleika_ Ԁogeinnigbttristj;rnfjrmlastofn  ana.Sendinefndsj;WsinsfagnarYvaW_ regluverk_ ԀogeftirlitmeW_ fjrmlastofnunum_ Ԁhefur  veriWeflt.EinnigfagnarsendinefndinfrumkvWisemgtthefurstarfi_ Fjrmlaeftirlitsins_ . i 0framhaldiafYessuleggurnefndintilaWhertverWikvWium_ lgmarksstaWla_ Ԁfyrir_ httu \4 flokkun_ Ԁ_ tlna_ ,framlg_ afskriftareikning_ Ԁog_ veWmat_ .EinnigermlsttilaWoftarverWifram ' kvmdathugunstaWnumhj_ fjrmlastofnunum_ ԀogfylgstverWiniWmeWrtvaxandi  lnumskuldabrfumog_ fjrfestingarbankastarfsemi_ .LeggjaberherslusamYykktog  framkvmdlagasemeruundirbningi.GeramrWfyriraWYaugerikleiftaWhafabetra `  eftirlitmeWinnbyrWis_ tengdri_ Ԁfjrmlastarfsemi,opnifyrireftirlit_ samstWugrundvelli_ ԀmeW S+! _ vensluWum_ ԀfyrirtkjumogleggitilreglursemmiWaaWYvaW_ eiginfjrreglur_ ԀbankatakimiW " afhttustarfsemiYeirra. (XUWing_ heimasWu_ ԀSeWlabanka0slands.) #   0slenskstj;rnvlderureiWubintilaWtakaYttendurmati_ fjrmlastWugleika_ ,en  $ _ AlYj;Wagjaldeyrissj;Wurinn_ ԀhefurlUsthugaaWendurtakafyrrgreintmatstWugleika !W% slensks_ fjrmlakerfis_ . J""&  3.  & , hrif_ lggjafarbreytinga_ Ԁ_ FjrmlaeftirlitiW_  . #( _ Frumvarpsdrg_ ԀsmWum. $ )   0undirbningierutalsverWarbreytingarlggjf_ fjrmlamarkaWi_ .ViWskiptarWuneytiW v%N!* hefurkynnt_ heimasWu_ Ԁsinnidrg',#ԀaWfj;rumfrumvrpumsemnerunniWaWogstefnir A&"+ rWuneytiWaWYvaWleggjaYaufyrirAlYingi_ haustYingi_ ._ Frumvrpin_ ԀeruYessi:  '", "i0J"  i0J 2g!3  Ԉ0    Frumvarptillagaum_ fjrmlafyrirtki_ .FrumvarpiWgerirrWfyriraWeinlgverWisett '#- umstofnunogreksturviWskiptabanka,sparisj;Wa,annarra_ lnastofnana_ ,_ verWbrfafyrir (z$. tkja_ ,_ greiWslukorta_ -og_ rafeyrisfyrirtkja_ Ԁog_ eignarleigufyrirtkja_ ._ Frumvarpsdrgin_  ( gerarWfyrirUmsumbreytingum_ starfsheimildum_ Ԁ_ Fjrmlaeftirlitsins_ .i0J݌ Ќ  "i0J"  i0J  2g!3  Ԉ0    FrumvarptillagaumverWbrfaviWskipti.GerterrWfyriraWsettverWilgumstarfshtti  _ verWbrfamarkaWi_ Ԁsem_ fjrmlafyrirtki_ ԀogaWrirsemkomaaW_ verWbrfamarkaWi_ Ԁstarfi a eftir.i0J M݌T, Ќ  "i0J"  i0JJ 2g!3  Ԉ0    Frumvarptillagaum_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ .ViWamiklarbreytingarlagWar  tilsamrmiviWtilskipun_ Evr;pusambandsins_ .Tekureinnigyfir_ hlutabrfasj;Wi_ .i0JJw݌ Ќ  "i0J"  i0Jq 2g!3  Ԉ0    Frumvarptillagaum_ vtryggingasamninga_ .ViWamiklarbreytingarlggjftttil   aukinnar_ neytendaverndar_ .i0Jq݌ X Ќ    XereinnigstarfandinefndsemendurskoWarlgum_ kauphallir_ Ԁogskipulega_ tilboWs K #  markaWi_ .GeramrWfyrirbreytingumYeirrilggjftengslumviWbreyttartilskipanir    _ Evr;pusambandsins_ .      EkkihefurveriWlagt_ heildsttt_ Ԁmathvortframangreindfrumvrp,verWiYauaWlgum,   munihafafrmeWsrmiklarbreytingarumfangistarfi_ Fjrmlaeftirlitsins_ ,endaeru wO  _ frumvrpin_ Ԁennvinnslu.SemdmiumbreytingarsemaukiWgtuumfangeftirlitsmnefna B  aWsamkvmtdrgumaWfrumvarpitillagaum_ verWbrfasj;Wi_ Ԁogfjrfestingarsj;Wiergert    rWfyriraW_ hlutabrfasj;Wir_ Ԁfalliundireftirlit_ Fjrmlaeftirlitsins_ .XerulagWarrkarskyldur   _ FjrmlaeftirlitiW_ ԀsamkvmtdrgumaWfrumvarpitillagaum_ vtryggingasamninga_ .Tmsar {  breytingarsemlagWarerutil_ frumvarpsdrgunum_ ԀsemstyrkjastWu_ Fjrmlaeftirlitsins_  nF kunnahinnb;ginnaWstuWlaaWmeiri_ skilvirkni_ Ԁstarfistofnunarinnar. 9   RtteraWtakaframaWreynsla_ Fjrmlaeftirlitsins_ ԀeraWtmafrektogvandasamtgetur  veriWaWsjtilYessaWbreytingumsemfylgjanUjumlgumshrundiWframkvmd.  UmfangsmiklarlagabreytingareruYvlklegartilaWaukaumfangeftirlitstilskammstma. r hriftillengritmarWasthinsvegarafviWbrgWum_ fjrmlamarkaWarins_ ԀviWnUrrilggjf e= ogYr;unmarkaWarinsaWWruleyti. 0 Tilskipanir_ Evr;pusambandsins_ .    St;rYtturm;tunlagaogreglnatengistaWlgunaW_ EES_ -gerWumogermikilvinna i gangivegum_ Evr;pusambandsins_ ԀaWYverYettavarWar.NefnamdrgaWtveimurveiga \4 miklum_ tilskipunum_ ,annarsvegardrgaWtilskipunummisnotkunmarkaWar(_ market_ Ԁ_ abuse_ ) ' oghinsvegardrgaWtilskipunum_ tboWslUsingar_ Ԁ(_ prospectuses_ ).  NUjar_ eiginfjrreglur_ . `    XeruundirbninginUjaralYj;Wlegar_ eiginfjrreglur_ Ԁfyrirlnastofnanir,semnerunniW S+! aWafhlfu_ Basel_ -nefndarum_ bankaeftirlit_ .StefnteraWYvaWnUjarreglurverWisamYykktar " riW2003ogtakigildi2006.Tillgurnarfelasrr;ttkarbreytingar.NefnaverWurtvennt # Yessusambandi.0fyrstalagimunureglurnarfelasrhvatafyrirbankaaWnUtasvokallaW  $ innra_ matskerfi_ Ԁ(_ Internal_ Ԁ_ Ratings_ Ԁ_ Based_ Ԁ_ Approach_ )tilaWmla_ eiginfjrstWuna_ .tliinn !W% lendarlnastofnaniraWnUtasrYettaYarfaWbyggjaupptarlegan_ gagnagrunn_ Ԁogsterka J""& _ httustUringu_ ,semmetinverWurogvottuWafhinumopinbera_ eftirlitsaWila_ .0slenskirbankar #' hafalUstyfirhugaYvaWnUtasrYessaaWferW.:lj;sterY;aWhvaWamarkislenskar_ lna #( stofnanirnar_ ԀmunigetanUttsrYetta. $ )   0WrulagiertillgunumgertrWfyriraW_ fjrmlaeftirlitum_ ԀllumrkjumverWiheimilt v%N!* aWkveWahrri_ eiginfjrhlutfll_ ԀsemeinstkumlnastofnunumberiaWhlta.RaunareraW A&"+ mati_ AlYj;Wagjaldeyrissj;Wsins_ ԀbrUntaW_ FME_ ԀfislkaheimildnYegarogerulagWartil  '", breytingarYttdrgumaWfrumvarpitillagaum_ fjrmlafyrirtki_ ԀsemWurergetiW. '#-   _ FjrmlaeftirlitiW_ ԀhefurfylgstniWmeWundirbningierlendra_ systurstofnana_ Ԁundir (z$. breyttar_ eiginfjrreglur_ Ԁsamkvmtframangreindu.Mrgeftirlit,_ m.a._ ԀNorWurlndunum, ( gerarWfyrirverulegrifjlgunstarfsmannavegnaYessa.HinsvegarererfittaWmeta  _ langtmahrif_ ԀYessafyrir_ FjrmlaeftirlitiW_ ,Yarsemekkiliggurlj;stfyrirhvortinnlendar  lnastofnanirmunigetanUttsrfyrrgreindainnri_ matsaWferW_ Ԁ(_ IRB_ ).EnguaWsWurerlj;st a aW_ FjrmlaeftirlitiW_ ԀYarfhiWfyrstaaWstyrkja_ utanumhald_ Ԁgagna,_ gagnagreiningu_ Ԁogeftirlit T, meW_ httustUringu_ ,efYaWaWgetasinnthlutverkisnuYessusviWinsturum.  LnastofnanirYurfaeinnigaWhugaaWYessu.   4.  Mateftirlitisamkvmtlgumumopinberar_ eftirlitsreglur_ .   X   Samkvmtlgumnr.27/1999,umopinberar_ eftirlitsreglur_ ,ogreglugerWnr.812/1999, K #  um_ eftirlitsreglur_ Ԁhinsopinbera,skalfaraframmat_ skilegu_ Ԁfyrirkomulagieftirlits,    greiningYrffyrireftirlitogkostnaWisemhlUstafYvogmat_ Yj;Whagslegu_ Ԁgildieftirlits    tilteknumtilvikum.MatYettaskaleigasrstaWYegarrWgerteraWstofnatileftirlitseWa   endurskoWa_ eftirlitsreglur_ . wO    Srstakt_ Yj;Whagslegt_ ԀmateftirlitihefurekkiveriWunniWtengslumviWgerW_ rekstrar B  tlunar_ Ԁ_ Fjrmlaeftirlitsins_ .HafaberY;hugaaWrlegufrumvarpiumbreytingulgum    nr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi,Yarsem   lagWarerutilbreytingar_ lagningarhlutfllum_ ,fylgjatarlegarupplUsingarumstarfsemi {  _ Fjrmlaeftirlitsins_ .XarmnefnaupplUsingarumrekstur_ Fjrmlaeftirlitsins_ ,skUrslaum nF starfsemistofnunarinnarsWastarogeftiratvikumfrekariupplUsingar,svosemgreinargerW 9 ummat_ starfsmannaYrf_ Ԁ_ Fjrmlaeftirlitinu_ ԀsemfylgdifrumvarpinusWasta  lggjafarYingi.AWWruleytihefurveriWlitiWsvoaWfremurberiaWvinnaslktmat  tengslumviWbreytingar_ eftirlitsreglum_ Ԁ_ fjrmlamarkaWi_ ,_ Y.e._ ԀYegarbreytingarerugerWar r lgumogreglumumstarfsemi_ fjrmlamarkaWi_ . e=   AWmati_ Fjrmlaeftirlitsins_ ԀermikilvgtaWhugabeturaWYvhvernigvinnaberi_ Yj;W 0 hagslegt_ ԀmatviWbreytingaropinberum_ eftirlitsreglum_ Ԁ_ fjrmlamarkaWi_ .MeWalannars  YarfaWhugaaWYvhversutengslYessmatsviWrlegtfrumvarptillagaumbreytingu  lgumumgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi. i   5.  Rekstur_ Fjrmlaeftirlitsins_ Ԁogmat_ starfsmannaYrf_ ԀtilnstuYriggjara.  '   0umfjllunhraWframanervsaWtil_ greinargerWar_ Ԁummat_ starfsmannaYrf_ Ԁ_ Fjrmla  eftirlitinu_ ԀfrfyrraogniWurstWurhennarraktar.RifjaWeruppmat_ AlYj;Wagjaldeyris  sj;Wsins_ Ԁ_ fjrmlastWugleika_ ԀfrsWastariogvitnaWnUlegtmatsj;WsinsstWunnin, `  aWYver_ FjrmlaeftirlitiW_ ԀvarWar.XeruraktarfyrirhugaWarog_ fyrirsjanlegar_ Ԁ_ lggjafar S+! breytingar_ ԀogvsaWtilmatsopinberum_ eftirlitsreglum_ ,sbr.lgnr.27/1999ogreglugerW " nr.812/1999umYaWefni. # &    0forsendum_ rekstrartlunar_ ԀfyrirnstarerekkilgWtilfjlgunstarfsf;lksrinu,  $ heldurmrkuWs' stefnaaWreynaberiYannstarfskraftsemnertilstaWarWurenkvarW !W% anirverWiteknarumfrekaristkkun.BenteraWerfiWleikumsbundiWaWmetaYrf J""& fjlgunstarfsmannan,Yarsemekkislj;sthvaWabreytingarverWalggjfnstu #' _ missirum_ ,nhvaWahrifYrhafi_ FjrmlaeftirlitiW_ . #(   NauWsynlegteraW_ FjrmlaeftirlitiW_ ԀhafiyfirYeimfjlda_ fastrWinna_ ԀstarfsmannaaWrWa $ ) aWYaWtryggiaWgangaWstarfsreynsluogYekkingullumsviWum_ fjrmlamarkaWar_ Ԁog v%N!* llumnauWsynlegum_ srfrWisviWum_ .XaWskaparstofnuninniaWgangaWyfirsUnogY A&"+ kjlfestusemnauWsynleger._ AlYj;Wagjaldeyrissj;Wurinn_ ԀtaldiskUrslusinnifyrraaW_ Fjr  '", mlaeftirlitiW_ ԀvrioffliWaW.TeljaverWuraWeftirfjlgunstarfsmannaYessuriverWiaW '#- ltareynahvort_ FjrmlaeftirlitiW_ ԀgetimeWviWunandihttisinntlgbundnumhlutverki (z$. snu,enmatYvhversumargastarfsmennYurfitilYessarWstafaWstWumhverjusinni. (   XaWerlit_ Fjrmlaeftirlitsins_ ԀaWskilegtsaWhaldastrWstofnunarinnarinnankveW  innamarka.Smrrieiningargefafrisveigjanlegraskipulagi,einfaldarirekstriogmeiri  _ skilvirkni_ .Xver_ FjrmlaeftirlitiW_ ԀreiWubiWtilleitaleiWatilaWmtahugsanlegriaukningu a umfangieftirlitsmeWWrumrWumenfjlgun_ fastrWinna_ Ԁstarfsmanna.RUmriheimildirtil T, aWfelautanaWkomandi;hWumaWilumtiltekinverksemtengjasteftirlitikomaveltilgreina.  Hugam_ t.d._ ԀaWYvhvort_ rUmka_ Ԁmegiheimildir_ Fjrmlaeftirlitsins_ ԀtilYessaW;skaeftir  _ ttektum_ Ԁ;hWraaWilatilteknumYttumstarfsemi_ fjrmlafyrirtkis_ ԀkostnaWYess.   _ FjrmlaeftirlitiW_ ԀhefureinniglUstsigreiWubiWtilaWkannamguleikaaWmta  X hugsanlegumauknumkrfumumeftirlitmeWtboWumverWbrfameWsvipuWumhtti. K #    _ FjrmlaeftirlitiW_ ԀvilltakaframaWUmis;vissastarfsumhverfistofnunar,sem_ m.a._ Ԁer    rakinhraWframan,gerirmatrekstriog_ starfsmannaYrf_ ԀtilYriggjaramjgerfitt.Hrer    YvekkigerWtilrauntil_ nkvms_ Ԁmats_ starfsmannafjlda_ ԀtilYriggjara.Ekkier;lklegt   aWmtaYurfibreyttumaWstWummeWfjlgunstarfsf;lks,einsogbentvargreinargerW wO  ummat_ starfsmannaYrf_ ԀfrsWastari,semvsaWertilkafla1hraWframan.Einsog B  Wursegirer_ FjrmlaeftirlitiW_ ԀhinsvegarreiWubiWaWleitaannarraleiWasYesskostur.      0viWrWum_ Fjrmlaeftirlitsins_ ԀogsamrWsnefndar_ eftirlitsskyldra_ ԀaWilahefurkomiWfram   aWskilegtvriaWumrWaumstarfsemiogrekstur_ Fjrmlaeftirlitsins_ ,semframferrlega {  tengslumviWgerW_ rekstrartlunar_ ,snistekkieingnguummismunandi_ kostnaWarliWi_ , nF heldurekkisWurverkefni_ Fjrmlaeftirlitsins_ .XannigvriskilegtaWtengjaumrWuum 9 rekstur_ Fjrmlaeftirlitsins_ ԀbeturviWYauverkefniogYaWhlutverksem_ Fjrmlaeftirlitinu_   hefurveriWfaliWaf_ lggjafanum_ ._ FjrmlaeftirlitiW_ ԀleitastviWaWgefaupplUsingarsemmiWaW  gtuaWYessu.NefnamYvsambandi_ upplUsingagjf_ Ԁ_ heimasWu_ ,tgfursskUrsluog r greinargerWummat_ starfsmannaYrf_ ._ FjrmlaeftirlitiW_ ԀerreiWubiWaWhugaaWfrekari_ upp e= lUsingagjf_ ԀYessuefni,svosemumskiptingustarfseftir_ verkefnaflokkum_ .LeggjaberY; 0 hersluaWslk_ upplUsingagjf_ ԀmaldreistuWlaaWYvaWveikjaYaWaWhaldsemeftirlitinu  felsteWaskapahttuaWveittursaWganguraWviWkvmumupplUsingum.   & # _ Fylgiskjal_ ԀII.  _7AuG) dE> A^_7     litsamrWsnefndar_ eftirlitsskyldra_ ԀaWilarekstrartlun S+! _ Fjrmlaeftirlitsins_ ԀfyrirriW2003.  " b  MeWfylgjandierlitsamrWsnefndar_ eftirlitsskyldra_ ԀaWila,sbr.2.mgr.2.gr.l.nr.99/1999 # og4.gr._ rgl_ .nr.562/2001,viWrekstrartlun_ FME_ ԀfyrirriW2003ogskUrslu_ FME_ Ԁtil  $ viWskiptarWherraumtlaWanrekstrarkostnaW,enendanlegrekstrartlunogskUrslaum !W% hanavorusendnefndinniYann11.september2002.'# J""&   HlutverksamrWsnefndar_ eftirlitsskyldra_ ԀaWilaeraWveitaeWlilegt_ kostnaraWhald_ Ԁvegna #' eftirlitsmeW_ fjrmlastarfi_ .NefndinhefurYeimefnumleitastviWaWsetjaframmlefnalega #( gagnrUni_ framlagWar_ Ԁ_ rekstrartlanir_ ԀoglagtherslugottsamstarfviW_ FME_ ԀumYessiml. $ ) 0lj;siYesstelursamrWsnefndmiWuraW_ FME_ ԀhafiekkitaliWstWutilaWtakatillittil v%N!* bendinganefndarinnarviW_ tlunardrg_ ,semkynntvoruhenni15.gstsl.,nemaaWYv A&"+ leytiaWtlaWurkostnaWurvegnap;stYj;nustuerlkkaWurum150.000_ kr_ .Hinarveigameiri  '", athugasemdirvirWasthinsvegarekkihafahlotiWhlj;mgrunnhj_ FME_ ԀeWastj;rnYess.0lj;si '#- YesstelursamrWsnefndrttaWbirtaflestarsnarfyrribendingarYessuformlegaliti.Rtt (z$. erY;aWtakaframaWsamrWsnefndfagnarYvaW_ FME_ ԀgeriekkirWfyrirfrekarifjlgun ( starfsf;lksfyrirliggjandirekstrartlunogummlumumaWleitastverWiviWaWhaldastrW  stofnunarinnarinnannverandimarkatilnstura,einsogframkemurYriggjaratlun.  Ѐ Reksturrsins2002.  T, ! ! 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' _ SamrWsnefndin_ Ԁtaldi_ tYenslustefnu_ ԀstofnunarinnarharWlegalitisnusWastari  ogt;knefndforstisrWherratilrWgjafarumeftirlitvegumhinsopinberaundirYau  sj;narmiW.XvtelursamrWsnefndfagnaWarefniaWsamkvmtfyrirliggjandidrgum `  stendurekkitilaWfjlgafrekarstrfumhjstofnuninnikomandirum,heldursstefnt S+! aWYvaWnUtabeturYannmannskapsemfyrirer.Um_ starfsmannaml_ Ԁvsastannars " nnariumfjllunhraftar.i0J/݌# Ќ  "i0J"  i0Jt!2eh  5  .3  Ԉ0    0_ framlgWum_ ԀggnumkemurframaW_ ferWakostnaWur_ ԀerlendisverWurnokkuWundir  $ tlunYessuri(10%)ogsamagildirum_ Ytttkugjald_ Ԁvegnaerlendssamstarfsog !W% fundaerlendis(18%).EkkierY;alltsemsUnistYeimefnumYarsemfyrriliWurinnvar J""& hkkaWurum35%milliranna2001og2002ogssWarium120%.Xannigstefnir #' verulega_ raunhkkun_ ԀYessara_ kostnaWarliWa_ Ԁfrfyrrari._ SamrWsnefndin_ ԀgagnrUndi #( sWastariharWlegafyrirhugaWatgjaldaaukninguYessakostnaWarrogbentiaWeWli $ ) legravriaWlkkahannfremurenhkka.XaurkeigaframviWnYegaruppieru v%N!* formumaWhkkabWaframangreinda_ kostnaWarliWi_ Ԁvegnarsins2003,Yannfyrrium A&"+ 10%ogYannsWarium18%.EkkiverWurtekiWundirYaWsemframkemurskUrslu  '", _ FME_ ԀtilrWherraaWsamanburWurmilliraYessumefnums_ ;raunhfur_ .i0Jt!!݌'#- Ќ  "i0J"  i0J'2eh  6  .3  Ԉ0    ReksturtlvubnaWarog_ srfrWiYj;nusta_ Ԁvegna_ tlvumla_ Ԁnemurum6,3%af (z$. _ heildarrekstrarkostnaWi_ Ԁ_ FME_ .VeruleghkkunYessakostnaWarfr_ samYykktri_ Ԁtlun ( fyrir2002er_ m.a._ ԀsgWliggjahumtgjldumtilendurb;ta_ heimasWu_ .Xarerum  _ eingreiWslukostnaW_ ԀaWrWaoglj;siYesstelursamrWsnefndeWlilegtaWlkkaYann  _ kostnaWarliW_ ԀsemYvnemurvegnarsins2003.i0J'&(݌a Ќ  "i0J"  i0J,2eh  7  .3  Ԉ0    SamrWsnefndgagnrUndisWastarih_ stj;rnarlaun_ Ԁsemgreidderutilstj;rnar_ FME_ , T, enYauhkkuWuum20%fr_ samYykktri_ Ԁtlunfyrir2001(4,8_ millj_ ._ kr_ .)tilrsins2002  (6,1_ millj_ ._ kr_ .).Taldi_ samrWsnefndin_ ԀbrUntaWlkkaYennankostnaWverulega.Xvert  bendingarsamrWsnefndarstefniraW_ heildargreiWslur_ Ԁtilstj;rnarfyrirriW2002hkki   fr_ samYykktri_ ԀtlunogverWi6,2_ millj_ ._ kr_ .0drgumaWrekstrartlunfyrir2003er  X sWangertrWfyriraWhkkaYessargreiWslur6,4_ millj_ ._ kr_ .SamrWsnefndfrekkisW K #  aWrksutilYessaWgreiWastj;rnYessararopinberustofnunarhrrilaunenalmennt    tWkast.JafnframttrekarsamrWsnefndgagnrUnisnaaWvaramennsuboWaWirtilallra    _ stj;rnarfunda_ ,meWtilheyrandiY;knun,einsogframkvmdinhefurveriWhj_ FME_ .Ef   stofnuninteluraWnverandistj;rnsof_ fliWuW_ ԀvrieWlilegraaW;skaYessaWrWherra wO  tkiYaWmluppviW_ lggjafann_ .AWmatisamrWsnefndarhlUturaWverangjanlegtaW B  varamennsitji_ t.d._ ԀYriWjaeWafj;rWahvernfund,tilaWtryggjameWvitundYeirraum    _ stj;rnarstrfin_ .SlktfyrirkomulagYekkiststj;rnumopinberrastofnana/fyrirtkja.i0J,2,݌  Ќ  "i0J"  i0J52eh  8  .3  Ԉ0    _ SamrWsnefndin_ ԀtrekargagnrUnisnaaWkostnaWurafendur-og_ smenntun_ Ԁstarfsf;lks {  erillaskilgreindur,enhonumerdeiltniWurmarga_ kostnaWarliWi_ Ԁrekstrartlunsem nF ogfyrri_ rsreikningum_ .Slkt_ vinnulag_ Ԁgerirjafnt_ FME_ ԀsemsamrWsnefnderfittaWtta 9 sigraunverulegumkostnaWiafYessumskum.JafnframterbentaWsamrWsnefnd  gagnrUndifyrirhugaWahkkungisti-og_ Yr;ttastyrkja_ Ԁtilstarfsf;lksum20%frrinu  2001til2002.EndanlegartlurvirWasttlaaWveraeitthvaWlgrieWanrrmri10% r hkkun.XrttfyrirYaWgeradrgaWtlunfyrir2003rWfyrir20%hkkunYeirrar e= tlu,Y;ttYegarsvellagt.i0J55݌0 Ќ  & , RekstrartluntilYriggjara.   "i0J"  i0J;2eh  9  .3  Ԉ0    0fylgiskjalimeWgreinargerWumtlaW_ rekstrarumfang_ Ԁ_ FME_ Ԁ2003ertlunum i _ rekstrarumfang_ ԀtilnstuYriggjara,YsrstaklegahvaWmat_ starfsmannaYrf_ ԀvarWar. \4 Er_ FME_ ԀYannigaWkomatilm;tsviWbendingu',:efnahags-og_ viWskiptanefndar_ Ԁsemfram ' komnefndarliti_ Yingskjali_ Ԁnr.529sWastalggjafarYingi.0tluninnikemurfram  aWskilegtsaWhaldastrW_ FME_ ԀinnankveWinnamarka,endagefismrrieiningar  frisveigjanlegraskipulagi,einfaldarirekstriogmeiri_ skilvirkni_ .0lj;siYesstelur `  _ FME_ ԀaWtilframtWarsrttaraaWmtahugsanlegriaukninguumfangieftirlits S+! framtWinnimeWWrumrWumenfjlgun_ fastrWinna_ Ԁstarfsmanna,_ m.a._ ԀmeWYvaWfela " utanaWkomandiaWilumtiltekinverksemtengjasteftirliti.i0J;;;݌# Ќ  "i0J "  i0JtA112eh  10  .3  Ԉ0    XessiyfirlUsing_ FME_ ԀertaktviWYrkrfursemsamrWsnefndhefursettframlitum  $ snumundanfarinr,_ Y.e._ ԀaWstemmaberistiguviWsfelldritYenslustofnunarinnar. !W% Hefur_ samrWsnefndin_ ԀYeimefnumbentaWrttgetiveriWaWleitafremureftiraWrWa J""& tmabundiWstarfsf;lkeWaf_ aWkeypta_ ԀYj;nustusrfrWingatilaWsinnaafmrkuWum #' verkefnum,heldurenaWbtastWugtviW_ fastrWnu_ Ԁstarfsf;lki.RtteraWhafahugaaW #( mikilfjlgunhefurorWiWstarfsf;lkistofnunarinnarsWustutveimurrum._ FME_ Ԁer $ ) ungstofnun,Y;ttbyggtseldristoWum.BastmviWaWnYegarstarfsemihinnar v%N!* nUjustofnunarhefurslitiWbarnssk;numleiWiaukinreynslastarfsf;lkstilmeiri A&"+ _ skilvirkni_ ,semttiaW;breyttuaWgefakostfkkun,fremurenfjlgun.0lj;siYess  '", telursamrWsnefndekkistWutilaWtlaaWeitthvaWbreyttumfang,meWbreytingum '#- lgumog_ alYj;Wasttmlum_ ,eigiaWYrUstaumfjlgunstarfsmanna.i0JtAA݌(z$. 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X "i0J "  i0JFM112eh  12  .3  Ԉ0    _ Eftirlitsskyldir_ ԀaWilargreiWadagallankostnaWafrekstri_ FME_ .XaWfyrirkomulag K #  fyrirmyndWrumnorrnumrkjum.HinsvegarYekkistvWaaWhiWopinberatakiYtt    kostnaWiafstrfum_ fjrmlaeftirlits_ ,ekkisstafYeimYttumsemsrstaklegaeruunnir    YguYessrWuneytissemfermeW_ forsvar_ ԀYeirrarstofnunarsemhefureftirlitiWhendi.   _ SamrWsnefndin_ ԀhefurWurbentmikilvgiYessaWhiWopinberakomislkum wO  forsendumaWgreiWslukostnaWarviWstrf_ FME_ .BWihefurYarveriWbentvinnu B  starfsmanna_ FME_ ԀviWm;tunlagaogreglnaogYtttkuerlendusamstarfi.VeriWgetur    aWnauWsynknUiaWstarfsmenn_ FME_ ԀsunUttiraWeinhverjuleytivinnuviW_ frumvarps   gerW_ ԀeWam;tunreglugerWa,enslkt_ vinnuframlag_ ԀYaWgerastkostnaW_ verkbeiWanda_ , {  _ Y.e._ Ԁhinsopinbera.Samagildirumerlentsamstarf,enboriWhefurviWaWviWkomandi nF rWuneytihafifaliWstarfsmnnum_ FME_ ԀaWskjafundierlendissnaYgu._ SamrWs 9 nefndin_ ԀfagnarYvaWfundihennarmeW_ FME_ Ԁ15.gstkomframskilningurhj  fulltrumYesssWarnefndaaWrttgtiveriWaWrkiWtkisigYannkostnaWaf  strfumstofnunarinnar,semunnirvruaWbeiWniYess.i0JFMsM݌r Ќ  Skipting& a _ eftirlitsgjaldsins_ .  0 "i0J "  i0JV112eh  13  .3  Ԉ0    0greinargerWinnitilsamrWsnefndarkemurframYaWsj;narmiW_ FME_ ԀaWminniaWilar  greiWiminnatil_ eftirlitsins_ Ԁennemur_ raunkostnaWi_ 'a0VԀ_ FME_ ԀvegnaYeirra.EkkierY;gerW  tillagaumbreytingu_ lgmarksgjldum_ ._ SamrWsnefndin_ Ԁvilltrekafyrribendingarum i aWYaWhlj;tiaWstanda_ FME_ ԀnstaWmetahvort_ eftirlitsgjaldi_ Ԁsrttilegaskiptmilli \4 aWila,meWhliWsj;nafYeimtmasemferaWsinnahverjumogeinum.HvorkisamrWs ' nefnd,naWrir,hafaforsendurtilslksmats.AfarmikilvgterY;aWreynaaWstUra  _ hlutfallslegum_ ԀkostnaWieinstakrageira_ fjrmlasviWi_ ԀsemmestsamrmiviWYann  _ raunkostnaW_ ԀsemafYeimhlUst.HinsvegarberaWgtaYessaW_ lgmarksgjald_ Ԁvegna `  eftirlitsverWialdreisvohttaWYaWkomivegfyrirrekstursmstufyrirtkjanna.i0JVW݌S+! Ќ      Reykjavk15.september2002, # GuWj;nRnarsson, !W% formaWursamrWsnefndar. J""& ]   '", _ Fylgiskjal_ ԀIII. ( mAuG) 5dE>$ 5A^m     SkUrslatilviWskiptarWherraumstarfsemi_ Fjrmlaeftirlitsins_ Ԁfr1.jl2001til30. a jn2002,sbr.16.gr.laganr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi.  T, (Okt;ber2002.)  _ 1.Yfirlityfirstarfsemina1.jl2001til30.jn2002.      _ FjrmlaeftirlitiW_ ԀstundarmarghttaWeftirlitmeW_ fjrmlafyrirtkjum_ Ԁog  X fjrmlastarfsemisemlgkveWaumaWltieftirliti.EftirlitiWferframmeWUmisskonar K #  srtkumathugunum,_ m.a._ Ԁ_ starfsstWvum_ Ԁ_ fjrmlafyrirtkja_ ,ogreglulegri    _ upplUsingasfnun_ ԀumfjrhagslegatriWi.Einnigerrvinnslaskriflegra_ fyrirspurna_ Ԁogerinda    _ fjrmlafyrirtkja_ ԀogviWskiptamannaYeirrast;rYtturstarfsemi_ Fjrmlaeftirlitsins_ .   _ FjrmlaeftirlitiW_ ԀgefurtalmennleiWbeinanditilmliumstarfsemi_ fjrmlamarkaWi_ , wO  stendurfyrirUmisskonarkynningumogfundummeWstj;rnendumogstarfsmnnum B  _ fjrmlamarkaWi_ ԀogleitastviWaWvekjaumrWuummlefniervarWaryggiog    _ samkeppnishfni_ Ԁ_ fjrmlamarkaWar_ ,_ t.d._ ԀmeWbirtingu_ umrWuskjala_ Ԁ_ heimasWu_ Ԁsinni.     0YessumkaflaerleitastviWaWgefaalmennarupplUsingarumstarfsemi_ Fjrmla {  eftirlitsins_ Ԁtmabilinu,nYessaWfjallasrstaklegaumeinstkml.FjallaWerumverkefni nF einstkumsviWum_ fjrmlamarkaWar_ ,aukYesssemvikiWersrstaklegaaWeftirlitimeW 9 virkumeignarhlutum,_ fyrirhuguWum_ Ԁ_ lagabreytingum_ ,erlendusamstarfi,rekstri_ Fjrmla  eftirlitsins_ Ԁogfleiru.     u Y@ 1.1EftirliteinstkumsviWum_ fjrmlamarkaWar_ .  ( 1.1.1_ LnamarkaWur_ .  *NOd 0d         ^e e3  3HI>>,`dd +  5????"aa 5herslurtmabilinu:EftirlitmeWeiginfjrstWu.Innraeftirlitog_ httustUring_ ._ Gegnsi_  y og_ markaWsaWhald_ .Xr;un_ httumatskerfis_ .7-+lD  ???? 7  Semfyrrhefur_ FjrmlaeftirlitiW_ ԀlagthersluaWfylgjastmeWYr;un_ eiginfjrhlutfalla_    _ lnastofnana_ ԀogkallaWeftirskUrummarkmiWumrekstriYeirraumeiginfjrstWu.Veruleg   _ tlnaaukning_ ԀsWusturagaftilefnitilaWhafasrstakarhyggjurafeiginfjrstWu_ lnastofn   ana_ ,semkynnieinstkumtilfellumaWvera;fullngjanditilaWmta_ ;hjkvmilegum_  { S  _ fllum_ Ԁformi_ tlnatapa_ . F     Verulegadr;r_ tlnaaukningunni_ Ԁseinnihlutarsins2001ogfyrrihlutarsins2002    oghefurhnnnnaststWvast.LnastofnunumhefurheildtekistaWmtaauknum_ tlna   afskriftum_ Ԁnverulegrar_ veikingar_ Ԁ_ eiginfjrstWunni_ .ReiknammeWfrekarivexti_ af   skriftaframlgum_ Ԁvegna_ tlnatapa_ ԀYarsemekkihefuraWfullureyntskil_ lnveitinga_  rJ  sWustura.UpplUsingarumYr;unvanskila,sem_ FjrmlaeftirlitiW_ Ԁsafnarogbirtirrs =  fj;rWungslega_ heimasWu_ Ԁsinni,gefavsbendinguumYetta.AfYessumstWumhefur   _ FjrmlaeftirlitiW_ ԀlagthersluaWkanna_ tlnaframkvmd_ Ԁhjlnastofnunum,innraeftirlit   meW_ tlnum_ ,_ httustUringu_ Ԁogmat_ afskriftaYrf_ Ԁvegna_ tlna_ . v   0Umsumtilvikumhafa_ tlnaathuganir_ Ԁleitttilaukinna_ framlaga_ Ԁ_ afskriftareikning_ Ԁ_ lna iA stofnana_ Ԁoghefureiginfjrhlutfallreynstundirlgbundnummrkumhjnokkrumsmrri 4  lnastofnunum.HefurYveriWgripiWtilaWgerWatilaWkoma_ eiginfjrstWunni_ ԀaWnUjulg  mtthorf.    MeWtgfureglnaogtilmlahefur_ FjrmlaeftirlitiW_ ԀleitastviWaWstyrkjaYumgjrW m semYarfaWverautanumheilbrigWanrekstur_ fjrmlafyrirtkja_ ԀogstuWlaaW_ gegnsi_ Ԁog `8 _ markaWsaWhaldi_ .0rsbyrjun2002gaf_ FjrmlaeftirlitiW_ ԀtbreytingarviWaukameWreglum + umgerW_ rsreiknings_ Ԁ_ lnastofnana_ Ԁsemfjallarummat_ afskriftaYrf_ Ԁ_ tlna_ .MeW  breytingunnierukvWireglnannahertfrYvsemWurvar.FrekariendurskoWunreglum  ummat_ tlnum_ ԀerfyrirhuguW,meWhliWsj;nafbreytingumalYj;WlegumstWlumog d fyrirmyndumsemneruundirbningi._ FjrmlaeftirlitiW_ ԀgafeinnigtleiWbeinanditilmli W/ uminnraeftirlitog_ httustUringu_ Ԁhj_ fjrmlafyrirtkjum_ ԀenYarersrstkherslalgW " byrgWogskyldurstj;rnenda.Xvorursbyrjun2002gefintleiWbeinanditilmlium  viWb;tarupplUsingarvarWandi_ fjrmlaskjl_ Ԁ_ rsreikningum_ Ԁ_ lnastofnana_ .     _ FjrmlaeftirlitiW_ ԀhefurtekiWYttvWtkriendurskoWunalYj;Wlegum_ eiginfjrreglum_  [! fyrirlnastofnanir(_ Basel_ ԀII),entlanirngerarWfyriraWYessarbreytingartakigildi N&" rslok2006.AfYvtilefnihefur_ FjrmlaeftirlitiW_ ԀunniWaWYvaWstyrkja_ upplUsingakerfi_   # viWmat_ httum_ Ԁ_ lnastofnana_ .MeWYessumnUju_ eiginfjrreglum_ ԀverWurtekiWmiWaf  $ _ httum_ Ԁrekstri_ lnastofnana_ ԀviWmatfullngjandieiginfjrstWuaukYesssemsrstk !% herslaverWurlgWaW_ lnastofnanirnar_ ԀsjlfarleggieigiWmatnauWsynlegaeiginfjrstWu z"R& meWhliWsj;naf_ httum_ Ԁstarfseminni.ReglurnargeraeinnigrWfyrirauknumheimildum E#' _ eftirlitsstofnana_ ԀtilaWkvarWahrri_ eiginfjrhlutfll_ Ԁfyrireinstakarlnastofnanir. $(   _ FjrmlaeftirlitiW_ Ԁhefurm;taWfyrstutgfuafeigin_ httumatskerfi_ ԀsemtlaWeraW $ ) auWveldamatnauWsynlegrieiginfjrstWueinstakra_ lnastofnana_ ,tfrupplUsingumum %~!* eigiWf,gWieigna,arWsemi,_ lausafjrstWu_ ,nmnifyrir_ markaWshttu_ Ԁogstj;rnun. q&I"+ _ httumatskerfiW_ ԀverWurnotaWviW_ forgangsrWun_ ԀeftirlitimeWlnastofnunumfrogmeW <'#, nstari. (#-   _ FjrmlaeftirlitiW_ Ԁh;ftmabilinureglulega_ upplUsingasfnun_ ԀumfyrirgreiWslutil_ svo ($. kallaWra_ Ԁ_ venslaWra_ ԀaWila,_ Y.e._ ԀaWilasemhafaveruleghrifkvarWanatkustj;rnenda_ lna )u%/ stofnana_ ,vegnahttu_ hagsmunarekstrum_ .XeiraWilarsemhrumrWirerutilaWmynda ( _ bankarWsmenn_ ,stj;rnendur,_ lykilstarfsmenn_ ,strstuhluthafarogfyrirtkieigna-eWa  _ stj;rnunartengslum_ ԀviW_ lnastofnun_ .  1.1.2VerWbrfamarkaWur. T, *lPuQdd`dd `NO>>l,`dd +  5????" 5herslurtmabilinu:_ MarkaWsvakt_ .EftirlitmeWstarfshttum.JafnrWifjrfesta.   AWgerWirvegna_ rekstrarerfiWleika_ .7-+   ???? 7  BreyttaraWstWur_ verWbrfamarkaWi_ ԀtmabilinuhafakomiWframmeWUmsumhtti { S  starfsemi_ Fjrmlaeftirlitsins_ .EftirmiklaYensludr;verulegarviWskiptumsemhafWihrif F   rekstrargrundvllfyrirtkja_ verWbrfaYj;nustu_ .Starfsleyfieins_ verWbrfafyrirtkis_ Ԁvar    afturkallaWn;vember2001ogkjlfarYessvarfyrirtkiWtekiWtil_ gjaldYrotaskipta_ ._ Fjr   mlaeftirlitiW_ ԀhefureinuWrutilvikiYurftaWgrpatilaWgerWavegna_ slakrar_ ԀeiginfjrstWu   _ verWbrfafyrirtkis_ . rJ    tmabilinukomuaWeinstvr_ tboWslUsingar_ Ԁalmennu_ tboWi_ Ԁtilyfirlestrarogaf =  greiWslu_ Fjrmlaeftirlitinu_ ,eneftirlitinuvarsWastarifengiWmeWlgumYaWverkefni   aWfarayfir_ tboWslUsingar_ Ԁvegnaalmennra_ tboWa_ ,semekkifelasrskrninguskipu   legum_ verWbrfamarkaWi_ .0WruYessaratilvikavarhttviW_ tboWiW_ ԀvegnakvrWunarum v skrningukauphll. iA   EftirlitmeWstarfshttum_ verWbrfamarkaWi_ ԀhefurveriWstyrktverulegaoghefurm;tun 4  srstakrar_ markaWsvaktar_ ԀbttyfirsUn_ Fjrmlaeftirlitsins_ Ԁyfir_ verWbrfamarkaWinn_ ԀoggefiW  YvfriaWgrpafyrrinnmlsemuppkoma.    MargvslegmlhafakomiWupptmabilinuvegna_ starfshtta_ Ԁ_ fjrmlafyrirtkja_ Ԁ_ verW m brfamarkaWi_ .NefnamaW_ FjrmlaeftirlitiW_ Ԁsrslok2001stWutilaWgera `8 athugasemdirviW_ fjrfestingarrWgjf_ Ԁtiltekinna_ fjrmlafyrirtkja_ ,vegna_ hagsmunatengsla_  + viWkomandifyrirtkjaviWverWbrfsemfjallaWvarum._ FjrmlaeftirlitiW_ Ԁvaktiathygli  Yessummlumopinberlega.0undirbningieruleiWbeinanditilmlium  _ greiningardeildir_ /greinendur.SambrilegarathugasemdirvorugerWarvegna;n;grar d umfjllunar_ skrningarlUsingum_ Ԁum_ hagsmunatengsl_ Ԁ_ umsj;naraWila_ ԀviWviWfangsefniW. W/   _ FjrmlaeftirlitiW_ Ԁt;ktilformlegrarathugunarttamlYarsemvsbendingarvoruumbrot " kvWumlagaum_ innherjaviWskipti_ .AthugunerlokiWhelmingimlanna.VareinuYeirra  vsaWtil_ efnahagsbrotadeildar_ Ԁ_ rkislgreglustj;rans_ ,entveimurmlumvarlokiWmeWathuga   semdumsembeindustaWtilteknumaWilum.0einumliY;ttiekkistWatilaWgerWa.Vs [! bendingarum_ markaWsmisnotkun_ ԀkomutilskoWunarogvorufimmmltekintilformlegrar N&" meWferWarvegnaYessa.EngumlannaerlokiW._ MarkaWsvakt_ Ԁ_ Fjrmlaeftirlitsins_ Ԁhefureinnig  # skoWaWfleirimlYessusviWinYessaWformlegathugunhafiveriWtekinupp.  $   D;murfllfyrstamlinuhrlendisYarsem_ krt_ Ԁvarvegna_ innherjasvika_ .0mlinul !% fyriraW_ fruminnherji_ ԀhafWittviWskiptimeWhlutabrfYessflagssemhannvar_ innherji_ Ԁ, z"R& meWanhannbj;yfir_ trnaWarupplUsingum_ .NiWurstaWad;msinsvarsaWsUknaWvarhraWi E#' YarsemekkihafWiveriWsUntframaW_ innherjinn_ ԀhefWinUttsr_ trnaWarupplUsingar_ Ԁerhann $( ttiviWskiptin._ Rkissaks;knari_ Ԁt;kkvrWunumaWfrUjaekkid;minum.0kjlfard;msins $ ) htti_ efnahagsbrotadeild_ Ԁ_ rkislgreglustj;rans_ ԀviWranns;knmeintum_ innherjaviWskiptum_  %~!* einumliYarsemmliWY;ttiekkilklegttil_ sakfellis_ Ԁlj;sihins_ nUgengna_ Ԁd;ms.0kjlfar q&I"+  d;msinsvarkvWi_ verWbrfaviWskiptalaga_ Ԁsembannar_ innherjasvik_ Ԁbreytt,meWlgumnr. <'#, 39/2002.&   EftirlagabreytingunahafalltvmliveriWtekinafum_ saknmiskrfur_ Ԁ_ inn ( herjamlum_ ,_ Y.e._ ԀaWgleysingitil_ sakfellingar_ .'(>    0nokkrumWrumtilvikumgreindi_ FjrmlaeftirlitiW_ Ԁ_ efnahagsbrotadeild_ Ԁ_ rkislgreglu  stj;rans_ Ԁfrmlum_ verWbrfamarkaWi_ .MlYessivarWameintbrotreglumervarWa a almennttboW,brotalmennum_ hegningarlgum_ Ԁogfleira. T,   _ FjrmlaeftirlitiW_ ԀhefurtmabilinustaWfestreglurflestra_ fjrmlafyrirtkja_ ԀumaWskilnaW  hagsmuna(_ knamra_ ),eiginviWskiptifyrirtkja,viWskiptistarfsmannaogatvinnuYtttku  stj;rnendaogstarfsmanna.MeWleiWbeinanditilmlumnr.1/2001hafWi_ FjrmlaeftirlitiW_    settframkrfurummeginefnislkrareglna,enYeimertlaWaWstuWlaaWbetristarfshttum  X _ verWbrfamarkaWi_ . K #    _ FjrmlaeftirlitiW_ ԀhefurennfremurunniWaWstaWfestingureglnasemtgefendum    verWbrfaberaWsetjasrummeWferW_ trnaWarupplUsinga_ ԀogviWskipti_ innherja_ .Reglur    nokkurratgefendahafaveriWstaWfestarogaWrarbWastaWfestingar.SkilYessumreglum   hafahinsvegarveriWdrmogyfirferWYeirratmafrek._ FjrmlaeftirlitiW_ ԀhefurbrUntYaW wO  fyrirtgefendumverWbrfaaWfylgjagrundvallarreglumYeimsemframkomaleiWbeinandi B  tilmlumnr.2/2001Y;tafirhafiorWiWsetningureglnastj;rnarogstaWfestingu_ Fjrmla    eftirlitsins_ .     _ FjrmlaeftirlitiW_ ԀhefurtmabilinulagthersluaWstyrkjaeftirlitmeW_ verWbrfasj;Wum_ , {  _ m.a._ ԀmeWreglulegum_ skUrsluskilum_ ԀumsundurliWunfjrfestinga_ verWbrfasj;Wa_ .DrgaW nF _ skUrsluformi_ Ԁvorukynnt_ umrWuskjali_ ԀmiWjusumri2002og_ eftirlitsskyldum_ ԀaWilum 9 gefinnkosturaWsetjaframathugasemdir._ VerWbrfasj;Wir_ ԀskilantveimurskUrslum  rsfj;rWungslega;annarsvegar_ rsfj;rWungslegu_ Ԁ_ efnahagsyfirliti_ ԀoghinsvegarsundurliWun  umfjrfestingar.AukiWeftirlitYessusviWimiWarjafnframtaWYvaWgera_ FjrmlaeftirlitiW_  r beturstakkbiWtilaWtakastviWbreytingarstarfsumhverfi_ verWbrfasj;Wa_ Ԁsemvnta e= mmeWnUjumlgumumslkasj;WiogaWlgunaWnUrritilskipun_ Evr;pusambandsins_ . 0 1.1.3_ LfeyrismarkaWur_ .  *lRuSdd`dd `PuQ>>l,` +  5????"\4\4 5herslurtmabilinu:MikilvgiinnraeftirlitstrekaW.AukiW_ markaWsaWhald_ .Starfshttir tL viWslu_ viWb;tarlfeyrissparnaWar_ ._ Gegnsi_ Ԁ_ tryggingafrWilegu_ Ԁmati.7-+?  ???? 7  _ ViWamesta_ ԀverkefnieftirlitsmeWlfeyrissj;Wumtmabilinuvorutarlegarathuganir  fjrfestingumlfeyrissj;Wa,entengslumviWYessarathuganirvorugerWarsrstakar   athuganirggnumuminnraeftirlit,_ rsreikningum_ Ԁog_ endurskoWunarskUrslum_ Ԁ_ sj;Wanna_ . [! MeginmarkmiWiWmeWYessumathugunumeraWfarayfirfjrfestingareinstakralfeyrissj;Wa N&" meWhliWsj;nafkvWum_ VII_ .kaflalaganr.129/1997,umskyldutryggingulfeyrisrttinda  # ogstarfsemilfeyrissj;Wa.  $   Athuganirfjrfestingumleiddulj;saWfjrfestingarallmargralfeyrissj;Waeruekki !% innanYeirramarkasemlgsetja,srstaklegahvaWvarWarfjrfestingar_ ;skrWum_ ԀverW z"R& brfumogverWbrfumtgefnumafsamaaWila.Hefur_ FjrmlaeftirlitiW_ ԀYurftaWgera E#' trekaWarathugasemdirviWnokkralfeyrissj;Wi.Xhafanokkrirlfeyrissj;WirveriW_ krafWir_  $( umrbtursamrmiviWniWurstWurathugana.0nokkrumtilvikumhafaYessarathuganir $ ) leittlj;sYrfmuntarlegriknnunstarfsemilfeyrissj;WaogsammerkthjYeimsj;Wum %~!* hefurveriWaWinnraeftirlitihefurekkiveriWngjanlegasinnt.XmalmenntsegjaaW q&I"+  ggnumuminnraeftirlithjlfeyrissj;WunumsemkallaWvareftirhafimrgumtilvikum <'#, veriW&   b;tavanteWaekkiskilaWsrngilegavel._ FjrmlaeftirlitiW_ ԀhefurtrekaWviWstj;rnir ( nokkurralfeyrissj;WabyrgWYeirrainnraeftirliti.'(@    _ FjrmlaeftirlitiW_ ԀhefurkomiWframfritarlegumathugasemdumogbendingumvarW  anditfyllingu_ rsfj;rWungslegum_ ԀskUrslumum_ sundurliWanir_ Ԁfjrfestinga,tengslumviW a athuganirfjrfestingum.0byrjunsumarsst;W_ FjrmlaeftirlitiW_ Ԁfyrirsrstakrikynningu T, tfyllingu_ skUrslnanna_ Ԁfyrir_ lfeyrissj;Wina_ Ԁogvar_ kynningin_ Ԁvels;tt.OfangreindaraWgerWir  hafastuWlaWaWbttumfrgangiskUrslunumen_ FjrmlaeftirlitiW_ ԀleggurhersluaW  vandaWstil_ skUrslugerWarinnar_ ԀendagegnaskUrslurnarmikilvguhlutverkieftirlitimeW   fjrfestingumlfeyrissj;Wa.SkUrslurnarnUtastekkisWursj;WunumsjlfumviWaWfylgjast  X meWaWfjrfestingarYeirrasuinnanrammalaganna. K #    NokkurbrgWeruaWYvaW_ rsreikningar_ Ԁlfeyrissj;WasuekkisamrmiviWreglursem    umYgilda.Hefur_ FjrmlaeftirlitiW_ ԀgertmargvslegarathugasemdirviWlfeyrissj;WiYessu    sambandiogeinutilvikivarlfeyrissj;WigertaWgefat_ rsreikning_ ԀsinnaWnUju.     tmabilinuhafakomiWuppalvarlegmlsem_ efnahagsbrotadeild_ Ԁ_ rkislgreglustj;ra_ Ԁog wO  _ FjrmlaeftirlitiW_ ԀhafatekiWtilathugunarogtengjaststarfsemilfeyrissj;Wa.0einhverjum B  tilvikumhefWimttkomavegfyrireWaleiWamlinfyrrlj;smeWvirkuinnraeftirliti    Yessaralfeyrissj;Wa.     _ FjrmlaeftirlitiW_ ԀhefurhyggjuaWstyrkjaverulegaeftirlitsittmeWskuldbindingumlf {  eyrissj;Waog_ tryggingafrWilegum_ Ԁ_ ttektum_ .0undirbningieruaukin_ skUrsluskil_ Ԁtil_ Fjr nF mlaeftirlitsins_ ԀtengslumviW_ tryggingafrWilegar_ Ԁ_ ttektir_ Ԁlfeyrissj;Wum. 9   SamfaraverulegumvextiogYr;unmarkaWi_ viWb;tartryggingaverndar_ Ԁog_ sreignarsparn  aWar_ Ԁundanfarin_ missiri_ Ԁhefurtluvertaffyrirspurnum,bendingumogathugasemdumsem  ltaaW_ lfeyrissparnaWi_ ԀveriWbeinttil_ Fjrmlaeftirlitsins_ Ԁfr_ vrsluaWilum_ ,_ rtthfum_ Ԁog r launagreiWendum.Meginverkefni_ Fjrmlaeftirlitsins_ Ԁtengt_ viWb;tarlfeyrissparnaWi_ ԀerY;aW e= veitaumsagnirumreglurum_ lfeyrissparnaW_ ԀogbreytingarYeimtilfjrmlarWherraen 0 _ vrsluaWilum_ Ԁ_ lfeyrissparnaWar_ ԀberaWleitastaWfestingarrWherrareglunumogbreytingum  Yeim._ FjrmlaeftirlitiW_ ԀhyggstfylgjaeftirmikilvgumatriWum,semupphafakomiW  _ eftirlitsverkefnum_ ԀvarWandiframkvmd_ viWb;tarlfeyrissparnaWar_ Ԁogtlkunlagaogreglna i semum_ sparnaWinn_ Ԁgilda,meWsetninguleiWbeinanditilmlanstu_ missirum_ . \4   SamkvmtnUlegumbreytingumlgumumlfeyrissj;Wiersj;WunumnskyltaWsetja ' srverklagsreglurumverWbrfaviWskiptilfeyrissj;Wsins,stj;rnarhansogstarfsmanna,sem  staWfestarskuluaf_ Fjrmlaeftirlitinu_ ._ FjrmlaeftirlitiW_ ԀhefurtttluverWumsamskiptum  viWlfeyrissj;Wiumsetningureglnannatmabilinuogerunrallirlfeyrissj;Wirnkomnir `  meWstaWfestarverklagsreglur. S+!   tmabilinufengu19lfeyrissj;WirstaWfestarbreytingarsamYykktumsnumoggaf " _ FjrmlaeftirlitiW_ Ԁumsagnirumbreytingarnar. # 1.1.4_ VtryggingamarkaWur_ . !W% *lUuXdd` `RuS>>l,`d +  5????"#'# 5herslurtmabilinu:AWgerWirvegna_ rekstrarerfiWleika_ Ԁtiltekinna_ vtryggingamiWlana_ . -#( _ MarkaWsaWhald_ Ԁog_ gegnsi_ Ԁvegna_ iWgjaldakvarWana_ Ԁ_ kutkjatryggingum_ .LeiWbeinandi #) tilmlivegna_ starfshtta_ ._ UpplUsingagjf_ ԀtilviWskiptavina.7-+$ *  ???? 7  NokkrarbreytingarhafaorWiW_ vtryggingamarkaWi_ Ԁtmabilinu.seinnihlutasWasta q&I"+ rshttutv_ btabyrgWarflg_ ԀstarfsemimeWflutningi_ vtryggingastofns_ ԀYeirratil_ Sj; <'#, vr_ -Almennratryggingahf.StarfsleyfiannarsYeirravarfelltniWurenhitttekurekkiviW_ nU (#- tryggingum_ .Xvar_ vtryggingastofn_ Ԁ_ SambyrgWarinnar_ Ԁhf.frWurtil_ Sj;vr_ -Almennra ( tryggingahf.ogstarfseminsameinuW.0jlYessurivarnUju_ skaWatryggingaflagi_ ,  _ 0slandstryggingu_ Ԁhf.,veittstarfsleyfioghefurYaWhafiWstarfsemi._ FjrmlaeftirlitiW_ Ԁhefur  tilafgreiWsluums;knfr_ lftryggingaflagi_ Ԁumstarfsleyfi. a   EinnigurWunokkrarbreytingarh;pi_ vtryggingamiWlara_ ԀentmabilinuskiluWusex T, aWilarinnstarfsleyfumsnum,UmistaWeiginfrumkvWi,samrWiviW_ FjrmlaeftirlitiW_ ԀeWa  aWkrfuYess._ RekstrarerfiWleika_ Ԁhefurgtthjnokkrum_ vtryggingamiWlurum_ Ԁoghefur  _ FjrmlaeftirlitiW_ ԀYurftaWgrpatilaWgerWavegnaYess,Y;eftirlitYesssbundiWviWYj;nustu   Yeirraenekkifjrhagslegteftirlit.  X   IWgjld_ lgboWnum_ Ԁ_ kutkjatryggingum_ ԀhafalengiveriWtilumfjllunaropinberum K #  vettvangioghefur_ FjrmlaeftirlitiW_ ԀhaldiWframaWfylgjastmeWYr;un_ vtryggingaskuldar_     Yessumgreinaflokki._ FjrmlaeftirlitiW_ ԀtelurframbrUntaWhvert_ vtryggingaflag_ Ԁtakifor    sendur_ iWgjaldakvarWana_ Ԁsinna_ kutkjatryggingum_ ԀtilendurskoWunarumleiWogreynsla   gefurtilefnitil._ FjrmlaeftirlitiW_ Ԁhefurlagtherslu_ markaWsaWhald_ ԀoghefurleitastviWaW wO  tryggjameira_ gegnsi_ ԀYvskyni.NefndsemskipuWvarrinu2000varfaliWYaWverkefni B  aWendurskoWareglugerWumrsreikninga_ vtryggingaflaga_ Ԁannarraen_ lftryggingaflaga_ .    GerWarvoruUmsarbreytingarsemmiWuWuaWYessu.Ennfremurgaf_ FjrmlaeftirlitiW_ Ԁt   leiWbeinanditilmlinr.4/2002umreikningsskil_ vtryggingaflaga_ ,varWanditlkunogfram {  kvmdfyrrnefndrireglugerW. nF   _ FjrmlaeftirlitiW_ ԀhefurgefiWtleiWbeinanditilmlinr.1/2002uminnraeftirlitiog 9 _ httustUringu_ Ԁhj_ fjrmlafyrirtkjum_ .KveWiWerum_ lgmarkskrfur_ Ԁsem_ Fjrmla  eftirlitiW_ Ԁgerirtilinnraeftirlitsog_ httustUringar_ ,YarmeWalumyfirsUnstj;rnendaog_ eftir  litshtti_ ,greininguogmat_ httum_ ,aWgreiningustarfa_ o.fl_ . r   _ FjrmlaeftirlitiW_ ԀhefurgefiWtleiWbeinanditilmlinr.5/2002um_ b;nusreglur_ Ԁ_ v e= tryggjenda_ Ԁ_ lgboWnum_ Ԁ_ kutkjatryggingum_ .TilmlineigaviWumkvrWun_ iWgjalds_ Ԁtfr 0 _ einstaklingsbundinni_ Ԁ_ tj;nareynslu_ ._ Vtryggingartaki_ ԀaWgetatreystYvaW_ b;nusreglur_   haldist;breyttart_ vtryggingatmabiliW_ ԀhverjusinnimeWsamahttiog_ vtrygginga  skilmlar_ .VitneskjaumreglurnarogbreytingarYeimertilYessfallinaWauka_ gegnsi_ Ԁ i viWskiptunumogerliWurYvaWgera_ b;nusreglur_ Ԁvirkar. \4   Xhefur_ FjrmlaeftirlitiW_ ԀgefiWtleiWbeinanditilmlinr.3/2002umrtttj;nYolatil ' b;tagreiWslumeWfyrirvara.MarkmiWYeirraeraW_ vtryggjendur_ Ԁhagi_ tj;nsuppgjrum_ Ԁsnum  samrmiviW;frvkjanlegkvWilagaum_ vtryggingarsamninga_ Ԁ(24.gr.Yeirra)ogm;ti  verklagsemmiWaraWYvaWtj;nYolifigreinarg;WarupplUsingarumrttarstWusnaog `  b;tagreiWslun_ stWulauss_ Ԁdrttar.NokkurmisbresturhefurveriWYessu. S+!   tmabilinuhefur_ FjrmlaeftirlitiW_ ԀtekiWtilathugunar_ upplUsingagjf_ Ԁogalmennvinnu " brgWviWslu_ vtrygginga_ ,hj_ vtryggingaflgum_ Ԁog_ vtryggingamiWlurum_ .0sumumtil # vikumhefurY;ttstWatilaWgeraathugasemdirogkrefjastrb;ta.SemdmimnefnaaW  $ talsverthefurveriWumYaWaWviWskiptavinir_ vtryggingaflaga_ ,innlendrasemerlendra,hafi !W% veriWaWfra_ lftryggingar_ Ԁsnartilannarraflaga,_ Y.e._ Ԁsagtupp_ vtryggingasamningi_ Ԁog J""& skiptum_ vtryggingaflag_ .MikilvgteraWneytendursu_ upplUstir_ ԀumYannkostnaWsem #' slkthefurfrmeWsrYegarum_ sfnunarlftryggingu_ ԀeraWrWaYannigaWuppsgnsgerW #( aWathuguWumli.stWaertilYessaWtlaaWYessuhafiveriWmisbrestur. $ )   TmsirerfiWleikarhafakomiWframmiWlun_ vtrygginga_ Ԁtmabilinu.Nokkurmlm v%N!* rekjatilYessaW_ vtryggingamiWlanir_ ԀhafaUmsumtilvikumrWiWtilsnfjldarWgjafan A&"+ YessaWtryggjangilegayfirsUnyfirstarfsemina._ FjrmlaeftirlitiW_ ԀhefuraWfenginnireynslu  '", mlst&  tilYessaWYeirsemhyggjasthefjamiWlun_ vtrygginga_ ԀtakmarkifjldarWgjafa/slu '#- mannasinnasvofullvstmegiteljaaWviWkomandihafiyfirsUnyfirstarfsemina.''E (z$.   _ FjrmlaeftirlitiW_ Ԁhefurgrundvellilagaum_ vtryggingastarfsemi_ ԀbeintYvtil_ vtrygg ( ingaflaga_ ԀaWYausetjisrverklagsreglurumverWbrfaviWskiptiflagsinssjlfs,starfsmanna  Yeirraogstj;rnenda._ FjrmlaeftirlitiW_ ԀhefurgefiWtleiWbeinanditilmliumefniYessara  reglna. a  1.2EftirlitmeWvirkumeignarhlutum.     EftirlitmeWeigendumvirkra_ eignarhluta_ ԀverWursfelltumfangsmeirihlutiafstarfsemi  _ Fjrmlaeftirlitsins_ .stWurYesserueinkumtvr.AnnarsvegarhafasWustu_ missirum_    orWiWtalsverWarsviptingareignarhaldi_ fjrmlafyrirtkjum_ .HinsvegarvorulagakvWi  X umeftirlitmeWvirkumeignarhlutumhertmeWlgumnr.69/2001,umbreytingu K #  lagakvWumumeftirlitmeWeigendumvirkra_ eignarhluta_ Ԁ_ fjrmlafyrirtkjum_ .      Reynthefur_ eftirlitsheimildir_ Ԁ_ Fjrmlaeftirlitsins_ Ԁnokkrumtilvikum.0einutilvikitaldi    _ FjrmlaeftirlitiW_ ԀnauWsynlegtaWsviptaeiganda_ virks_ Ԁ_ eignarhluta_ Ԁ_ atkvWisrtti_ .0Wrutilviki   fll_ atkvWisrttur_ ԀtmabundiWniWurYarsemekkivarfariWaWlgumviWeigendaskipti.X wO  hefur_ FjrmlaeftirlitiW_ ԀeinnigsynjaWumleyfitilaWeignastvirkaneignarhlut. B    BrUnteraWkaupendur_ virks_ ԀeignarhlutarhafihugaY_ lagaskyldu_ ԀsemYeimhvliraW    leitasamYykkis_ Fjrmlaeftirlitsins_ Ԁfyrirframfyrirkaupunum,enmisbresturhefurveriW   Yvframkvmdnokkrumtilvikum. {   1.3FyrirhugaWarlagabreytingar_ fjrmlamarkaWi_ .  9   _ FjrmlaeftirlitiW_ ԀtekurflestumtilvikumYttundirbningi_ lagafrumvarpa_ ԀervarWa  starfsemi_ fjrmlamarkaWi_ .Xannig_ FjrmlaeftirlitiW_ ԀfulltranefndumsemskipaWareru  tilaWendurskoWalggjfogsemjafrumvrptillaga._ FjrmlaeftirlitiW_ ԀerlykilstWuhvaW r varWaryfirsUnyfirYaWhverniglgreynastframkvmdogtekurYeimforsendumYtt e= undirbningi_ lagafrumvarpa_ . 0   tmabilinuhefurstaWiWyfirendurskoWun_ meginlggjf_ ԀflestumsviWum_ fjrmla  markaWar_ .UnniWvaraWheildarendurskoWunlagalnamarkaWioghefurfrumvarptillaga  um_ fjrmlafyrirtki_ ԀveriWlagtframAlYingi._ verWbrfamarkaWi_ ԀerunniWaWendurskoWun i lagaumverWbrfaviWskipti,lagaumstarfsemi_ kauphalla_ Ԁogskipulegra_ tilboWsmarkaWa_ Ԁog \4 lagaum_ verWbrfasj;Wi_ ._ vtryggingamarkaWi_ Ԁerulgum_ vtryggingarsamninga_ ,reglurum ' miWlun_ vtrygginga_ Ԁogreglurumslit_ vtryggingaflaga_ ԀtilendurskoWunar.   1.4Erlentsamstarf.  `    _ FjrmlaeftirlitiW_ ԀtekurYtterlendusamstarfillumsviWum_ fjrmlamarkaWar_ .MeW S+! Yvgetur_ FjrmlaeftirlitiW_ ԀmiWlaWslenskan_ fjrmlamarkaW_ ԀreynsluogYekkingusem " fengisthefureftirlitimeWstrriogeftiratvikumYr;aWrimrkuWum.EinnigstuWlarslkt # samstarfaW_ samkeppnishfni_ Ԁslensks_ fjrmlamarkaWar_ .  $   _ FjrmlaeftirlitiW_ ԀhefurgefiWt_ heimasWu_ ԀsinniyfirlityfirYtttkuYesserlendu !W% samstarfi.XareraWfinnaupplUsingarumYausamtkogYrstofnanirsem_ FjrmlaeftirlitiW_  J""& eraWiliaWognefndirog_ srfrWih;pa_ ԀsemeftirlitiWfulltraeWafylgistmeW.Greinterfr #' meginverkefnumYessusamstarfi,hvaWastarfsmenn_ Fjrmlaeftirlitsins_ ԀtakaYtteWa #( fylgjastmeWviWkomandistarfioghvernig_ fundars;kn_ ԀerhttaW. $ )   _ Evr;pusamstarf_ Ԁ_ fjrmlaeftirlita_ ԀeinstkumsviWum_ fjrmlamarkaWar_ Ԁergagngerri v%N!* endurskoWunumYessarmundir,tengslumviWbreytingar_ kvrWunarferli_ Ԁinnan_ Evr;pu A&"+ sambandsins_ ._ FjrmlaeftirlitiW_ ԀeraWiliaWnUjusamstarfi_ verWbrfaeftirlita_ ,_ CESR_ Ԁ(The  '", _ Committee_ Ԁof_ European_ Ԁ_ Securities_ Ԁ_ Regulators_ ).NefndinvarsettstofntengslumviW '#- fyrrgreindarbreytingaroghefurYaWhlutverkaWsinnarWgjfgagnvartframkvmdastj;rn (z$. _ Evr;pusambandsins_ Ԁogsamrmaeftirlitogframkvmd_ Evr;pulggjafar_ ԀEvr;pska_ efna ( hagssvWinu_ ._ FjrmlaeftirlitiW_ ԀhefurtekiWvirkanYttYessusamstarfirinu.Fyrstu  _ rWgjafaverkefni_ Ԁ_ CESR_ Ԁtilframkvmdastj;rnar_ Evr;pusambandsins_ Ԁtengjast_ fyrirhuguWum_   _ tilskipunum_ Ԁum_ markaWssvik_ Ԁ(_ Market_ Ԁ_ Abuse_ )annarsvegarog_ tboWslUsingum_  a (_ Prospectuses_ )hinsvegar.Xessir_ vinnuh;par_ Ԁhafaformlegterindisbrffrframkvmdastj;rn T, _ Evr;pusambandsins_ ԀeneinnigerustarfandiaWrir_ vinnuh;par_ Ԁsem_ m.a._ Ԁfjallaummismunandi  skipulag_ verWbrfamarkaWar_ ,_ verWmyndun_ Ԁog_ viWskiptahtti_ ._ FjrmlaeftirlitiW_ Ԁvargestgjafi  fastanefndarvegumYessasamstarfsnhaust.     Samstarfevr;pskra_ fjrmlaeftirlita_ ԀlnamarkaWiog_ vtryggingamarkaWi_ Ԁerntilendur  X skoWunarmeWhliWsj;nafframangreindumbreytingumsamstarfi_ verWbrfaeftirlita_ . K #    _ Fjrmlaeftirlitinu_ ԀvartmabilinuboWiWaWtakaYttttekt_ Evr;pusambandsins_ Ԁ_ v    tryggingamarkaWi_ Ԁ_ Mltu_ ,en_ ttektir_ ԀafYessutagieruhlutiaf_ aWildarviWrWum_ Ԁ_ Evr;pu    sambandsins_ ԀviWeinstkrki.Fulltri_ Fjrmlaeftirlitsins_ Ԁt;kYttYessustarfiogerunniW   aW_ lokafrgangi_ ԀskUrsluvegnaYessa.VerkefniWvarlrd;msrktogskilarsrtvmlalaust wO  aukinniYekkingustarfsf;lks_ Fjrmlaeftirlitsins_ . B   1.5Rekstur_ Fjrmlaeftirlitsins_ .    _ Rekstrarumfang_ Ԁog_ eftirlitsgjald_ . {    Samkvmt_ rsreikningi_ Ԁ_ Fjrmlaeftirlitsins_ ԀfyrirriW2001nmugjldaWmeWtldum nF _ eignakaupum_ Ԁalls210,8_ m.kr_ .TekjuraWmeWtldum_ fjrmunatekjum_ Ԁrinu2001nmualls 9 206,3_ m.kr_ .,enYarafvorutekjuraf_ eftirlitsgjaldi_ Ԁ198,2_ m.kr_ .GjldumframtekjurnmuYv  4,5_ m.kr_ .rinu2001.rinu2000vorusambrilegartlur179,1_ m.kr_ .fyrirgjldaW  meWtldum_ eignakaupum_ Ԁog192,9_ m.kr_ .fyrirtekjurenYarafnaminnheimt_ eftirlitsgjald_  r 192,5_ m.kr_ .0framangreindumtlumeruundanskilingjldogtekjurvegna_ rskurWarnefnda_ , e= semvistaWareruhj_ Fjrmlaeftirlitinu_ . 0   SamkvmtendurskoWaWrirekstrartlun_ Fjrmlaeftirlitsins_ ԀfyrirriW2002ergertrW  fyriraWgjldrinuverWialls263,5_ m.kr_ .enupphaflegrekstrartlungerWirWfyrir259  _ m.kr_ .gjldum.tlaWeraWtekjuraWmeWtldum_ vaxtatekjum_ ԀverWi219_ m.kr_ ԀenYarafverWi i tekjuraf_ eftirlitsgjaldi_ Ԁ211,7_ m.kr_ .GjldumframtekjuraWfjrhW44,5_ m.kr_ .verWa_ braWar_  \4 af_ uppsfnuWum_ Ԁ_ tekjuafgangi_ Ԁfyrrira. '   Rekstrartlun_ Fjrmlaeftirlitsins_ ԀfyrirriW2003hefurnveriWkynntviWskiptarWherra  samrmiviWkvWilaga.tluningerirrWfyriraW_ rekstrarumfang_ Ԁrinu2003verWi  svipaWogrinu2002,enhkkun_ rekstrargjalda_ Ԁsamtalsnemium2%frfyrrari.Gerter `  rWfyriraWgjldverWi268,4_ m.kr_ .ogtekjuraWmeWtldum_ fjrmunatekjum_ ԀverWi265_ m.kr_ . S+! enYarafverWilagt_ eftirlitsgjald_ Ԁrinu2003um260_ m.kr_ . "   Samkvmtlgumnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi,skulu_ eftir # litsskyldir_ ԀaWilarstandastraumafrekstri_ Fjrmlaeftirlitsins_ .Umlagningu_ eftirlitsgjalds_   $ gildalgnr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi,meW !W% sWaribreytingum._ EftirlitsgjaldiW_ ԀreiknastUmistsemhundraWshlutiafheildareignum, J""& _ rekstrargjldum_ ԀeWa_ tryggingariWgjldum_ Ԁ_ eftirlitsskyldra_ ԀaWilasamrmiviWeWlistarfsemi #' Yeirra.0llumtilvikumerY;umaWrWakveWna_ lgmarksfjrhW_ .Frstofnun_ Fjrmla #( eftirlitsins_ ԀriW1999hefurorWiWverulegaukningumsvifummargra_ eftirlitsskyldra_ ԀaWila $ ) semhefurleitttillkkunar_ lagningarhlutfllum_ .SemdmimnefnaaW_ lagningarstofnar_  v%N!* hjhelstuflokkum_ eftirlitsskyldra_ ԀaWila,semreiknaWertfrviWlagningu_ eftirlitsgjaldsins_ , A&"+ hafahkkaWbilinu139!216%en_ lagningarhlutfll_ ԀlkkaWum22!48%fr1999!2002.  '",   '#- _ &   Starfsmannafjldi_ . (   Affjldastarfsmanna'(4ԀrWasthelstuYttirrekstrarkostnaWi_ Fjrmlaeftirlitsins_ ,svosem  launog_ launatengd_ Ԁgjld,strWhsnWisogumfangtlvubnaWar.rinu2001vann_ Fjr  mlaeftirlitiW_ Ԁmat_ starfsmannaYrf_ ԀstofnuninniogfylgdigreinargerWYessefnismeW a rekstrartlunYeirrisemYvarunnin.0greinargerWinnivarlagttarlegtmat_ starfs T, mannaYrf_ Ԁ_ Fjrmlaeftirlitsins_ ԀtilskemmritmaoghugaWaWYrftillengritma.Nerlj;st  aWtlunum_ starfsmannaYrf_ Ԁstofnunarinnartilskemmritma,_ Y.e._ Ԁtilrsloka2002,hefur  meginatriWumgengiWeftir._ FjrmlaeftirlitiW_ Ԁleggurekkitilfjlgunstarfsf;lksrinu2003   forsendumfyrirrekstrartlunrsins.  X   0rsbyrjun2002var31stWugildi_ Fjrmlaeftirlitinu_ ԀoggerterrWfyriraWYauverWi33 K #  rslok.miWjuri2001voru_ stWugildin_ Ԁ27.FrmiWjuri2001tilmiWsrs2002h;fualls    10starfsmennstrfhjstofnuninnien3ltuafstrfum.Starfsmenn_ Fjrmlaeftirlitsins_ Ԁeru    aWmeirihluta_ srfrWimenntaWir_ ,einkumsviWiviWskipta,hagfrWi,lgfrWieWa_ tlvu   frWa_ . wO  Innrireglurog_ verkferlar_ .      SfellterunniWaWYvaWtreystainnriumgjrWumstarfsemi_ Fjrmlaeftirlitinu_ .   sWastarisettiviWskiptarWherrasrstakarreglurumviWskiptistj;rnarmanna,forstj;raog {  starfsmanna_ Fjrmlaeftirlitsins_ ԀviW_ eftirlitsskylda_ ԀaWila.Reglurnarerusettarskv.6.gr.laga nF nr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi,ogertlaWaWtryggjahlutlgniviW 9 rlausnverkefnastofnunarinnarogkomavegfyrirhagsmunarekstraeWaaWhugsanleg  _ hagsmunatengsl_ Ԁmyndist.Stj;rn_ Fjrmlaeftirlitsins_ ԀhefurennfremursettreglurummeWferW  _ trnaWarupplUsinga_ ԀogverWbrfaviWskiptistj;rnarmanna,forstj;raogstarfsmanna_ Fjr r mlaeftirlitsins_ .Reglurnarerusettarskv.37.gr.laganr.13/1996,umverWbrfaviWskipti. e= Framangreindarreglurerubirtar_ heimasWu_ Ԁ_ Fjrmlaeftirlitsins_ .EinnighefurveriWhugaW 0 srstaklegaaWmlsmeWferWog_ verkefnavinnslu_ Ԁ_ Fjrmlaeftirlitinu_ ԀYvskyniaWsamrma  mlsmeWferWvegnamlamismunandisviWum_ fjrmlamarkaWar_ ԀoghraWaafgreiWslu.X  erm;tunheildstW_ eftirlitshandb;k_ Ԁvegnaverkefnastofnunarinnar. i ViWbturviWhsnWi. '   0febrar2002fkk_ FjrmlaeftirlitiW_ Ԁafhent_ viWb;tarhsnWi_ ԀnUbyggingu5.hW  hssinsaWSuWurlandsbraut32,enbyggingYessh;fstmiWjurinu2001.MeWYessariviWb;t  stkkaWihsnWistofnunarinnarogllaWstaWatil_ fundahalda_ ԀogsambandiviW_ kynningar `  starfsemi_ ԀbatnaWitilmuna.HsnWistofnunarinnarerleigttilrsins2011. S+! TmsartlulegarupplUsingartmabilinu1.jl2001!30.jn2002. #   tmabilinu1.jl2001!30.jn2002sendi_ FjrmlaeftirlitiW_ Ԁfrsrum3.000brfog  $ _ m;tt;k_ Ԁum1.800brf.samatmabiliskiluWu_ eftirlitsskyldir_ ԀaWilar_ Fjrmlaeftirlitinu_ Ԁum !W% 1.500skUrslumvegnareglubundinnargagna-og_ upplUsingaflunar_ Ԁstofnunarinnar._ Eftir J""& litsskyldir_ ԀaWilarskjanlleyWublWog_ skUrsluform_ Ԁvegna_ skUrsluskila_ Ԁsinnatil_ Fjr #' mlaeftirlitsins_ Ԁ_ heimasWu_ Ԁ_ eftirlitsins_ .XessufyrirkomulagifylgirmikiWhagrWifyriralla #( aWila. $ )   & a _ FjrmlaeftirlitiW_ Ԁheldurutanumverkefnisnsrstku_ mlaskrningarkerfi_ .StofnuWeru v%N!* mlumerindisembeintertilstofnunarinnarogeinstkverkefnisemfallatilvegnastarf A&"+ seminnarog'av%KԀfYauafgreiWslusamrmiviWleiWbeiningartilstarfsmannasemWurhafa  '", veriWnefndar.Yv12mnaWatmabilisemhrerfjallaWumurWutilum860slk '#- _ afgreiWsluml_ ԀhjstofnuninniensamsvarandifjldifyrirsambrilegttmabilYarundanvar (z$. 760. (   _ Fjrmlaeftirlitinu_ ԀberaststWugtmargskonarformlegarfyrirspurnirervarWastarfsemi  _ fjrmlamarkaWi_ Ԁhrlandi.ErlendisfrberstYannigvalltnokkuWaffyrirspurnum  tengslumviWalYj;Wlegtsamstarfumeftirlit_ fjrmlamrkuWum_ ԀogeinnigfrUmsum a aWilumsemstundaupplUsingamiWlun_ fjrmlamrkuWum_ ԀogaWilumfjrmlastarfsemi. T, Innlendarfyrirspurnirkomahinsvegarfyrstogfremstfr_ eftirlitsskyldum_ ԀaWilum,  viWskiptavinumYeirraeWaUmsumopinberumaWilum.YvtmabilisemhrumrWirbrust  _ Fjrmlaeftirlitinu_ Ԁalls152formlegarfyrirspurnirogYarafvoru62frerlendumaWilum.     _ Kvrtunar_ -og_ neytendaml_ Ԁeruannarflokkurerindasem_ Fjrmlaeftirlitinu_ ԀberststWugt  X eitthvaWaf.UmeraWrWaerindivegnaviWskiptaviW_ fjrmlafyrirtki_ Ԁsem_ FjrmlaeftirlitiW_  K #  telurstWutilaWtakatilathugunar.Allsbrusteftirlitinu55slkmlnefndutmabili.      Br_ mlaskrningarkerfi_ Ԁ_ Fjrmlaeftirlitsins_ ԀmfmargvslegarupplUsingartilviWb;tar    viWframangreintumviWfangsefnistofnunarinnar.Xannigmnefna,aWYvtmabilisemhr   ertilumfjllunarvoruskrWmlvegnaeftirlits_ starfsstWvum_ Ԁ_ eftirlitsskyldra_ ԀaWilaalls45, wO  mlsemvarWa_ starfsleyfisums;knir_ Ԁ29,mlsemvarWa_ innherjaviWskipti_ Ԁ15ogmlsemvarWa B  _ peningaYvtti_ Ԁ6.    _ Dagsektir_ . {    0jl2001varsettreglugerW,nr.560/2001,umbeitingu_ dagsekta_ Ԁog_ fvtis_ Ԁopinberu nF eftirlitimeWfjrmlastarfsemi.ReglugerWinheimilarstj;rn_ Fjrmlaeftirlitsins_ Ԁ_ m.a._ ԀaWleggja 9 _ dagsektir_ ԀmeWsrstkumkvrWunumvegna_ vanhalda_ ԀviWreglubundin_ skUrsluskil_ Ԁtil  _ eftirlitsins_ .kvWumreglugerWarinnarvarfyrstasinnbeittYremurtilvikumfyrrihluta  rsins2002vegnaskUrslnasem_ eftirlitsskyldum_ ԀaWilumbaraWskilavegnarsloka2001. r  2._ FjrmlamarkaWurinn_ Ԁ!Yr;unoghorfur.  0  2.1_ LnamarkaWur_ .   :breytt_ heildarafkoma_ .    X;tt_ rekstrarumhverfi_ Ԁ_ lnastofnana_ ԀhafiaWmrguleytibreystundanfarin_ missiri_ Ԁhefur i arWsemiYeirraheildhaldistaWmikluleyti;breytt.SamanlagWurhagnaWurviWskiptabanka \4 ogsparisj;WafyrirskattariW2001nam7,4_ ma.kr_ .samanboriWviW7,5_ ma.kr_ .hagnaWriW ' 2000._ [ #  1      _ ԀArWsemieiginfjrhkkaWirtplega11%13,5%milliranna2000og2001,sbr.   mynd1. X;tthreinar_ rekstrartekjur_ ԀhafiaukisttalsvertYessutmabiliskilaWisaukningsr  ekkiauknumhagnaWi.AWhlutatilmrekjaYaWtilaukinna_ framlaga_ Ԁ_ afskriftareikning_ Ԁen `  _ framlgin_ Ԁjukustum3,8_ ma.kr_ .,_ Y.e._ Ԁr4,3_ ma.kr_ .riW20008,1_ ma.kr_ .riW2001. S+!   fyrri_ rshelmingi_ Ԁ2002namsamanlagWurhagnaWurviWskiptabankaogsparisj;Wafyrir " skatta5,5_ ma.kr_ .ArWsemieiginfjr_ rsgrundvelli_ Ԁvar13,2%fyrrihluta2002.Helstu # breytingarfrrinu2001felastannarsvegarlkkun_ vaxtamun_ ,_ m.a._ ԀvegnalgriverW  $ b;lgu,oghinsvegarhkkunWrumtekjumsemstafarfyrstogfremstafjkvWum_ viW !W% snningi_ Ԁ_ gengishagnaWi_ Ԁ_ lnastofnana_ .LtilhlutfallslegbreytinghefurorWiWWrumtekjum J""& _ lnastofnana_ Ԁen_ gengishagnaWi_ Ԁfyrrihlutars2002samanboriWviW_ heilsrsrekstrartlur_  #' 2001. #( sl\?/+b|1 d `Z@E(dd8(s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  FramangreindartlurumarWsemieiginfjrog_ kostnaWarhlutfll_ Ԁerumismunandimilli  einstakra_ lnastofnana_ .XannigvararWsemieiginfjrfjgurrastrstubankannafr13%til r 21%fyrrihlutarsins2002ogbilinu-8,7%til10,8%hj_ Sparisj;Wabanka_ Ԁogstrstu e= sparisj;Wum. 0 _ KostnaWarhlutfll_ Ԁfaralkkandi.    _ KostnaWarhlutfall_ ,_ Y.e._ Ԁ_ rekstrargjld_ Ԁhlutfalliafhreinum_ rekstrartekjum_ ,varlgrafyrri i hlutarsins2002,eWa62,8%,enrinu2001YegarYaWvar66,7%,sbr. mynd1. runum \4 1995!1998varhlutfalliW66!68%enlkkaWiniWur62%riW1999_ m.a._ Ԁvegna;venjumikils ' _ gengishagnaWar_ ԀYaWr.SamkvmtframansgWuhefurlkkunYessuhlutfalliveriWfremur  hgsWustu5!6rin.XessmgetaaW_ miWgildi_ Ԁsambrilegra_ kostnaWarhlutfalla_ Ԁvalinna  erlendrabankaer54%fyrirriW2001._ ^ #  2      _ Ԁ_ KostnaWarhlutfall_ Ԁfjgurrastrstubankannafyrri `  hlutarsins2002varbilinu54%!71%ogbilinu47%!99%hj_ Sparisj;Wabanka_ Ԁog S+! strstusparisj;Wum. "   HelsturekstrarliWirhlutfalliafheildareignumhjbnkumogsparisj;WumerusUndir #  mynd2. EflitiWerafturtilrsins1998hafa_ rekstrargjld_ Ԁsemhlutfallafheildareignum  $ stWugtfariWlkkandi,eWar3,7%riW19983,0%fyrrihlutarsins2002.XlkkuWu !W% hreinar_ vaxtatekjur_ Ԁr3,1%riW19982,6%fyrrahlutars2002.AWrar_ rekstrartekjur_ Ԁ J""& hlutfalliafheildareignumnWuhmarkiriW1999eWa2,6%,lkkuWusvonsturinen #' hkkuWusvoognmu2,1%fyrrihlutarsins2002._ Afskriftaframlg_ Ԁvoru0,66%riW #( 1998,0,60%riW1999,0,54%riW2000,hkkuWuupp0,80%riW2001ognmu0,77% $ ) fyrrihlutarsins2002. v%N!* Y@ Y  Y  sl`?/+b|1  `B@E  Hf s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?Aukin_ tlnahtta_ .    Einsogsst mynd3 nmu_ heildarvanskil_ _ h #  3      _ ԀeinstaklingaogfyrirtkjaviW  _ innlnsstofnanir_ Ԁlokjnsl.25,6_ ma.kr_ .eWa3,5%af_ tlnum_ .0rslok2000nmu r _ heildarvanskil_ Ԁ13,3_ ma.kr_ .eWa2,1%af_ tlnum_ . e=   HlutfallslegahafavanskileinstaklingaveriWhrrienvanskilfyrirtkja.Xannignmu 0 vanskileinstaklingalokjnsl.10,5_ ma.kr_ .eWa5,8%af_ tlnum_ Ԁtileinstaklingaenvanskil  fyrirtkjanmu15,1_ ma.kr_ .eWa2,7%af_ tlnum_ Ԁtilfyrirtkja.0lokrs2000nmuvanskil  einstaklinga5,8_ ma.kr_ .eWa3,3%af_ tlnum_ Ԁtileinstaklinga.samatmavoruvanskil i fyrirtkja7,5_ ma.kr_ .eWa1,7%af_ tlnum_ Ԁtilfyrirtkja.Vanskilheimilaerusrstakt \4 hyggjuefnivegnahrrar_ skuldastWu_ Ԁheimilannahlutfalliaf_ rWstfunartekjum_ . '   / ~      slj?/+b|1 Tn. `2@E228K.s   Mynd3. (  >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  SWustu_ missiri_ Ԁhafa_ ;vaxtaberandi_ Ԁtln_ p #  4      _ Ԁhlutfalliaf_ tlnum_ Ԁhjbnkumogsparisj;Wum r aukist,sbr. mynd4 .Xannignamhlutfall_ ;vaxtaberandi_ Ԁ_ tlna_ Ԁaf_ tlnum_ Ԁbankaog e= sparisj;Wa2,8%lokjnsl.,1,9%lok2001og1,6%lok2000._ Fullnustueignir_ Ԁhafaekki 0 aukistsamrmiviWaukningu_ ;vaxtaberandi_ Ԁ_ tlna_ .Aukning_ ;vaxtaberandi_ Ԁ_ tlna_ ԀsUniraW  _ tlnahtta_ Ԁ_ lnastofnana_ ԀhefuraukistsemlklegteraWleiWitilaukinna_ tlnaafskrifta_ .     >D>D>>2  Mynd4. \4  >D>D>D>Dj >D>D>D>D >D>D>D>Dmlr9)%`|1 X/ `LEV/ / D z m >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D #(>D>D   Samanlagtframlag_ afskriftareikning_ Ԁhj_ viWskiptabnkum_ Ԁogsparisj;Wumnam4,2 ( _ ma.kr_ .fyrstusexmnuWirsins2002samanboriWviW3,2_ ma.kr_ ._ afskriftaframlag_ Ԁfyrrihluta  rs2001.Aukningmilli_ tmabila_ Ԁerum1_ ma.kr_ .eWa31%.AukiW_ afskriftaframlag_ Ԁhelst  hendurviWaukinvanskilogaukningu_ ;vaxtaberandi_ Ԁlna. a   Aukinvanskil,aukning_ ;vaxtaberandi_ Ԁ_ tlna_ Ԁogauknar_ afskriftir_ ԀgefatilkynnaaWgWi T, _ tlna_ Ԁ_ lnastofnana_ ԀhafirUrnaWsemaukalkurvaxandi_ tlnatpum_ Ԁnstu_ missirin_ .    AthyglisverteraWskoWa mynd5 semsUnirt;lfmnaWa_ raunaukningu_ Ԁ_ meWaltlna_   (_ meWaltln_ ԀleiWrttfyrirhrifum_ verWlagsbreytinga_ )og_ afskriftir_ Ԁhlutfalliaf_ meWaltlnum_ .   EflitiWerYr;uninasWastliWinfimmrsstaWrin1997!2001vart;lfmnaWa_ raunaukning_   X _ meWaltlna_ Ԁbilinu10!20%.UndanfarnamnuWihafatln_ lnastofnana_ Ԁdregistsamanog K #  ertlaWaWt;lfmnaWa_ raunsamdrttur_ Ԁ_ meWaltlna_ ԀverWium4%rinu2002.riW1992    nWu_ afskriftir_ Ԁhlutfalliaf_ meWaltlnum_ Ԁhmarki4,2%.rin1992!2000lkkuWu_ afskrift    irnar_ ԀognWulgmarki0,85%af_ meWaltlnum_ .SWustu_ missiri_ ԀhefurhlutfalliWhkkaW   nUjanleikogeru_ afskriftir_ Ԁhlutfalliaf_ meWaltlnum_ ԀtlaWarum1,7%rinu2002.tla wO  maWframvindaefnahagsmlarWimikluum_ afskriftaYrf_ Ԁnstu_ missirin_ . B    Mynd5.   slv?/+b|1  ``0@En5ns >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  _ Btlnavxturinn_ Ԁframtil2001varaWmikluleytifjrmagnaWurmeWerlendum_ lntkum_  v%N!* enminnamlimeW_ innlnum_ ԀeWainnlendri_ verWbrfatgfu_ . mynd6 ersUndYr;un A&"+ _ nett;_ Ԁskuldumhelstu_ lnastofnana_ ԀviWerlendaaWilasWustu_ missirum_ .XarkemurframaW  '", hreinerlendstaWabankannavarhmarkimiWjuri2001enhefurfariWlkkandiframtil '#- miWsrs2002_ m.a._ Ԁvegnahkkunargengikr;nunnar.M;tvgiviWYessierlendulneru (z$. meginatriWum_ gengisbundin_ Ԁlntilinnlendra_ lnYega_ Ԁsemmismunandimiklummlihafa ( tekjursamsvarandi_ gjaldmiWlum_ ԀenYvfelst;bein_ tlnahtta_ Ԁfyrirbankana.  slx?/+b|1 `F `@E`F`Fs >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?_ StWuaukning_ Ԁ_ markaWsverWbrfum_ . 0   Hlutieigna_ lnastofnana_ Ԁerbundinn_ markaWsverWbrfum_ ԀsemhWerusveiflumgengi  markaWi.Einsog mynd7 sUnirvar_ nett;_ Ԁ_ skuldabrfaeign_ _ | #  5      _ ԀviWskiptabankaogsparisj;Wa73  _ ma.kr_ .lokjnsl.samanboriWviW62,1_ ma.kr_ ._ nett;_ Ԁ_ skuldabrfaeign_ Ԁlokjn2001._ Nett;_  i _ skuldabrfaeign_ ԀviWskiptabankaogsparisj;Waj;kstYvum10,9_ ma.kr_ .eWa17,6%._ Nett;_  \4 _ hlutabrfaeign_ _ ~< #  6      _ Ԁlokjnsl.nam53,8_ ma.kr_ .samanboriWviW44,4_ ma.kr_ .eignlokjn2001 ' semeraukningum9,4_ ma.kr_ .eWa21,2%.tmabilinujukustheildareignirviWskiptabanka  ogsparisj;Waum6%og_ lgbundiW_ ԀeigiWfum8,8%.    Skulda-og_ hlutabrfaeign_ Ԁhlutfalliaflgbundnueiginfj;kstmilli_ tmabila_ .Xannignam `  _ skuldabrfaeign_ Ԁ_ nett;_ Ԁhlutfalliaflgbundnueiginf81%lokjnsl.samanboriWviW75% S+! lokjn2001.Hlutabrfhlutfalliaflgbundnueiginfnmu60%lokjnsl.samanboriW " viW54%lokjn2001.FramangreindartlursUnaaWaukninghefurorWiW_ markaWshttu_  # _ lnastofnana_ .  $  $ ) Ї  Mynd7. ( sl?/+b|1 8$ ` @E_8$8$os >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?ViWhaldaYarfnverandieiginfjrstWu. r   EigiWfsamkvmtlgumhj_ viWskiptabnkum_ Ԁogsparisj;Wum_  #  7      _ Ԁnam102,1_ ma.kr_ .lok e= jnsl.,94_ ma.kr_ .umsl.ram;tog84,6_ ma.kr_ .lokjn2001.Hkkuninfrjn2001til 0 jn2002nam17,5_ ma.kr_ .eWa21%.    0lokjnsl.hfWu_ viWskiptabankar_ Ԁog_ sparisj;Wir_ ԀgefiWtvkjandiskuldabrf,semteljast  til_ eiginfjrYttar_ ԀBogCviWtreikning_ eiginfjrhlutfalli_ ,fyrirsamtals25,2_ ma.kr_ .FjrhW i vkjandiskuldabrfasemteljasttil_ eiginfjrYttar_ ԀBogCnam27,1_ ma.kr_ .umsl.ram;tog \4 28,1_ ma.kr_ .lokjn2001. '   0lokrs2000heimilaWi_ FjrmlaeftirlitiW_ Ԁlnastofnunumtgfuvkjandiskuldabrfasem  teljasttil_ eiginfjrYttar_ ԀAviWtreikning_ eiginfjrhlutfalli_ ,enYettavargertgrundvelli  nUrrarreglugerWar_ viWskiptarWuneytisins_ .0lokjnsl.namfjrhWvkjandiskuldabrfa `  semteljasttil_ eiginfjrYttar_ ԀA6,1_ ma.kr_ .,6,3_ ma.kr_ .umsl.ram;tog5,5_ ma.kr_ .lokjn S+! 2001. "   SamkvmtYeimreglumsemgildaumvkjandilntkureruUmsartakmarkanirYvaW # hvemikluleytiYrmegareiknastmeW_ eiginfjrtreikningi_ ԀhlutfalliviWhefWbundiWeigiW  $ f.0lokjn2002hfWumargarlnastofnanirnrfullnUttheimildirsnartiltkuvkjandi !W% lnasemteljasttil_ eiginfjrYttar_ ԀA.SvigrmtiltkuvkjandilnaBogCvarmeira. J""&   SamanlagWur_ httugrunnur_ ԀviWskiptabankaogsparisj;Wanam825,7_ ma.kr_ .lokjnsl., #' 826,5_ ma.kr_ .umsl.ram;tog766,1_ ma.kr_ .lokjn2001.Hkkuninfrjn2001tiljn #( 2002nam59,6_ ma.kr_ .eWa7,8%enfyrrihlutarsins2002varWltilshttarsamdrttur. $ )   Einsog mynd8 bermeWsrvoru_ eiginfjrhlutfll_ Ԁ_ viWskiptabankanna_ Ԁmilli9og10%rin v%N!* 1995!2000en_ eiginfjrhlutfll_ ԀnvkjandilnaBogClkkuWujafntogYtt.riW2001 A&"+ hkkuWu_ eiginfjrhlutfll_ Ԁ_ viWskiptabankanna_ Ԁenfyrrihluta2002hafa_ eiginfjrhlutfllin_  ( lkkaWum0,5%frram;tumognmu10,8%og7,6%nvkjandilnaBogC.Frrinu  1995lkkuWu_ eiginfjrhlutfll_ Ԁ_ sparisj;Wanna_ Ԁrrmlega14%10,5%og7,1%nvkjandi  lnaBogCmiWaWviWlokjn2000.FrmiWjuri2000tilmiWsrs2001hkkuWuhlutfllin a 13%og9,7%nvkjandilnaBogC.Undanfarintv_ missiri_ Ԁhafa_ eiginfjrhlutfll_ Ԁ_ spari T, sj;Wanna_ ԀlkkaWnUognmulokjnsl.11,9%og9,1%nvkjandilnaBogC.    SWusturhefur_ FjrmlaeftirlitiW_ ԀvaraWviWhugsanlegumafleiWingumlgra_ eiginfjr  hlutfalla_ .Lj;steraW_ eiginfjrhlutfll_ ԀviWskiptabankaogsparisj;WahafahkkaWfrlgmarki   fyrrira.AWmati_ Fjrmlaeftirlitsins_ ԀYurfa_ viWskiptabankar_ Ԁog_ sparisj;Wir_ ԀaWlgmarkiaW  X viWhaldanverandieiginfjrstWumeWhliWsj;nafYvaWlkureruvaxandi_ tlnatpum_ Ԁ K #  nstu_ missirum_ .      Mynd8.   vsl?/+b|1 b `R @EBb b B3s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>? 2.2VerWbrfamarkaWur.  " Velta_ verWbrfamarkaWi_ Ԁeykst. #   Heildarveltahluta-ogskuldabrfaKauphll0slandshefurfariWvaxandialltfrWrum  $ rsfj;rWungi2000,enYvar_ heildarveltan_ Ԁ91_ m.a.kr_ .F;r_ heildarveltan_ ԀhgtvaxandifrYeim !W% tmaogt;ksWanstkkfj;rWarsfj;rWungi2001ogvarY228_ ma.kr_ .oghltframaWvaxa J""& framriW2002.ViWskiptimeWskuldabrfeigast;ranYttYessumvexti,enYarhefurveriW #' stWugveltuaukningalltfrWrumrsfj;rWungi2000,sbr. mynd9, aWundanteknumfj;rWa #( rsfj;rWungi2000ogfyrstarsfj;rWungi2002,enYarvarWrltillsamdrttur.ViWskiptimeW $ ) hlutabrfhafahinsvegarfariWvaxandifrYriWjarsfj;rWungi2001. v%N!*   A&"+ sl? /+b|1 h `@El(hh!( s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?HkkuneinstakraviWskipta. r   Almenn_ niWursveifla_ ԀhefurveriW_ verWbrfamrkuWum_ ԀumallanheimoghafaatburWirfr e= 11.september2001svoog_ b;khaldshneyksli_ ԀdUpkaW_ niWursveifluna_ ._ NiWursveifla_ ԀvarWeinnig 0 slenskum_ verWbrfamarkaWi_ .SveiflanvirWistY;hvorkihafaorWiW_ jafndjp_ ԀnveriW_ jafn  langvinn_ ԀogstrstumrkuWumerlendis,ensegjamaWuppsveiflahafiveriWhrstWug  sWanYriWjarsfj;rWungi2001.MikilviWskiptihafattsrstaW_ skuldabrfamarkaWi_ Ԁallt i frram;tum2001,enaWeinshefurdregiWrviWskiptumnrinu2002,sbr. mynd9. XaW \4 erathyglisvertaW_ meWalfjrhW_ ԀhverraviWskiptameWskuldabrfhefurfariWhkkandimeW ' hverjumrsfj;rWungi.AlmennareglanersaWYegarvxturer_ hlutabrfamarki_ Ԁersam  drttur_ skuldabrfamarkaWi_ Ԁogfugt.XessifylgnivirWistekkieigasrstaWhr.    XegarlitiWer mynd10 sstaWheildarvelta_ utanYingsviWskipta_ ԀmeWskuldabrfhefur `  aukistYessutmabilimeWan_ heildavelta_ Ԁ_ YingviWskipta_ Ԁhefurhinsvegardregistsaman S+! rinu2002.SlitiWfjlda_ utanYingsviWskipta_ ԀmiWaWviWveltusstaWhvereinstkviWskipti " verWastrri. #   ViWskiptimeWhlutabrfurWueinnig_ fjrlegri_ Ԁsamatmabili,_ Y.e._ ԀfrogmeWfj;rWa  $ rsfj;rWungi2001eftirnokkuWstWuga_ niWursveiflu_ ,sbr. mynd11. Velta_ utanYingsviWskipta_  !W% meWhlutabrfhefurhkkaWhlutfallslegameiraYessutmabilienvelta_ YingviWskipta_ Ԁog J""& hvereinstk_ utanYingsviWskipti_ ԀYvhrriaWsamaskapi.EinstWaYessararhkkunarer #' saWtluverthefurveriWumkaupfyrirtkjumog_ yfirtkur_ ԀsWustu_ missirum_ . #( _ GreiWslumti_ ԀslkraviWskiptahefurgjarnanveriWYannhttaWgreitthefurveriWmeW $ ) hlutabrfum_ yfirtkufyrirtkinu_ ԀogfaraYauviWskiptifram_ utanYings_ . v%N!* ̀̀ (z$. sl? /+b|1 `G `@E(`G`G( s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?sl? /+b|1 `  `@E` ` k s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  (z$. _ Hlutabrfavsitlur_ ԀuppleiW. (   _ Hlutabrfavsitlur_ Ԁ0slandihkkuWunokkuWstWugtlengivelognWuhmarkisnu  fyrstarsfj;rWungirsins2000,sbr. mynd12. _ Heildarvsitala_ Ԁ_ aWallista_ ԀnWiYtpum1.800  stigumen_ ICEX_ -15tpum1.900stigum.EftirYaWf;ruvsitlurnarlkkandiogvoru a lgmarkiYriWjarsfj;rWungi2001enYvar_ heildarvsitala_ Ԁ_ aWallista_ Ԁum1.000stigen T, _ ICEX_ -15f;rundir1.000stigamrinn.FrYeimtmahafaYessarvsitlurfariWhkkandi  ogeruyfir1.300stigmiWaWviW3.rsfj;rWung2002._ Heildarvsitala_ Ԁ_ aWallista_ ԀhefurY;  hkkaWmeiraen_ ICEX_ -15fyrstuYrj_ rsfj;rWunga_ ԀYessars,eWaum15,9%m;ti12,3%.   Xessiuppsveiflaslenskra_ hlutabrfavsitalna_ ԀerathyglisverWslitiWtilstrstu  X _ verWbrfamarkaWa_ Ԁerlendis,enYarerekkiaWsjsambrilegauppsveifluYarsem K #  _ hlutabrfavsitlur_ ԀhafafariWlkkandiYaWsemaferri.    sl? /+b|1  `zr@E  S s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?SkrWumfyrirtkjumkauphllfkkar. "   Alltfrrinu1992tilrsins1999f;rskrWumflgumfjlgandikauphllinni,eWar # 11flgum75,sbr. mynd13. Talanvar;breyttriW2000enlkkaWisWanogvar71flag  $ skrWkauphllriW2001.0lokseptember2002hafWiskrWumfyrirtkjumfkkaW66. !W% AWeinseittnUttflag(_ Vtryggingaflag_ Ԁ0slandshf.)hefurveriWskrWrinu,en6veriW J""& _ afskrW_ Ԁ(_ HsasmiWjan_ Ԁhf.,_ Keflavkurverktakar_ Ԁhf.,_ LoWnuvinnslan_ Ԁhf.,_ Skagstrendingur_ Ԁhf., #' _ Talenta_ Ԁ_ Htkni_ Ԁhf.,_ BtgerWarflag_ ԀAkureyringahf.)miWaWviWlokYriWjarsfj;rWungs2002. #( TvfyrirtkitilviWb;tarhafaveriW_ afskrW_ Ԁnbyrjunokt;ber(_ Delta_ Ԁhf.,Xr;unarflag $ ) 0slandshf.).SamYjppunhefurveriWmikil_ lyfjaiWnaWi_ Ԁogsjvartvegiogertlitfyrirenn v%N!* frekari_ hagrWingu_ Ԁsjvartvegi._ Hlutabrfasj;Wir_ Ԁhafaeinnigtilkynntumbreytingar,en A&"+ YegarhefurveriWsagtfrviWrWumtveggja_ hlutabrfasj;Wa_ ԀumsamrunaviWnnurflg.  '", AWeinseittfyrirtkihefurtilkynntopinberlegaumaWYaWkomitilmeWaWskjaumskrn '#- ingukauphllfyrirram;t.BtliterYvfyrirennmeirifkkunskrWraflagaYaWsemeftir (z$. lifirrs,enYegarervitaWumnokkurflgsemkomatilmeWaWverWa_ afskrW_ Ԁfj;rWars ( fj;rWungi.stWurWurnefndra_ afskrninga_ Ԁeru_ tvYttar_ ,annarsvegarhafaflgveriW  _ afskrW_ ԀvegnasamrunaviWnnurfyrirtkisemeinnigeruskrWkauphlloghinsvegar  vegnaYessaWYau_ uppfylltu_ ԀekkilengurskilyrWiumdreifWaeignaraWild.XegarlitiWerYau a flgsemhafaYegarveriW_ afskrW_ ԀerYaWsameiginlegtmeWYeimaWveltameWbrfYeirra T, hefurveriWltil.XessiYr;unerYvjkvWfyrir_ verWbrfamarkaWinn_ ,enYaufyrirtkisem  eftirerustyrkjastog_ seljanleiki_ ԀhlutabrfaYeirraeykstsemafturdregurrhttufjrfesta.  sl? /+b|1 ` `@E ``  s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>? 2.3_ LfeyrismarkaWur_ .  `  NeikvWraunvxtunrinu2001. S+!   Hreineignlfeyrissj;WatilgreiWslulfeyrisrslok2001nam644,8_ ma.kr_ ._ Raunaukning_  " hreinnareignarrinu2001varum5%semersamaaukningogriWWur._ IWgjaldagreiWslur_  # f;rur49,7rinu200062,7_ ma.kr_ .rinu2001og_ lfeyrisgreiWslur_ Ԁr18,9_ ma.kr_ .22,2  $ _ ma.kr_ .,_ Y.e._ Ԁ_ nett;_ Ԁaukning_ inngreiWslna_ Ԁvar9,7_ ma.kr_ .Hreinraunvxtunlfeyrissj;Warinu !W% 2001varneikvWum1,9%. mynd14 msjhreinaraunvxtunrunum1991!2001og J""& skerhreinraunvxtunranna2000og2001sigr.SWustu10rinhefurmeWaltalhreinnar #' _ raunvxtunar_ ԀveriW5,9%.Breytt_ eignasamsetning_ Ԁlfeyrissj;Wa,_ Y.e._ Ԁaukninghlutabrfaog #( _ hlutdeildarskrteina_ Ԁ_ verWbrfasj;Wa_ ,munleiWatilmeiri_ sveiflna_ ԀvxtunframtWinni. $ )   v%N!*     @  Mynd14. ( sl?/+b|1 N: ` @EN: N:  s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  0samanburWiviWaWrar_ hagstrWir_ Ԁvorueignirlfeyrissj;Wannarmlega86%afvergri nF landsframleiWslu(_ VLF_ )lokrs2001oghfWuvaxiWr39%riW1990.Eignirlfeyrissj;Wa 9 semhlutfallafskuldum_ lnakerfisins_ Ԁjukustr26%rinu199134%rinu2001,sbr.   mynd15.     Mynd15. e= sl?/+b|1  `, @E0  [0@ s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?_ Fjrfestingarheimildir_ Ԁlfeyrissj;Wa. #(   0lgumumlfeyrissj;WierukvWiumfjrfestingarlfeyrissj;Wa,semmiWaaWdreifingu $ ) eignaUmsaflokkaverWbrfaaukYesssemkveWiWerumaWtillitskulitekiWtilhttu v%N!* jafntogvxtunar_ fjrfestingarkvrWunum_ .Fr_ rslokum_ Ԁ2000hafafjrfestingar A&"+ lfeyrissj;WaogflokkunYeirraveriWtilsrstakrarathugunar.Fjrfestingarflestra  '", lfeyrissj;WaerusamrmiviWkvWi_ lfeyrissj;Walaganna_ .Helstuathugasemdir '#- _ Fjrmlaeftirlitsins_ ԀYeimathugunumsemgerWarhafaveriWvarWafjrfestingarumfram (z$. heimildir_ ;skrWum_ ԀverWbrfumeftirgildistku_ lfeyrissj;Walaganna_ . m)E%/ ЇLitlarbreytingar_ eignasamsetningu_ . (   0rslok2001varhlutfall_ ;skrWra_ ԀverWbrfa9%afhreinnieignlfeyrissj;Waenrslok  2000varhlutfalliW10%,sj mynd16. XrttfyriraW_ heildarhlutfall_ Ԁ_ ;skrWra_ ԀverWbrfas  undir_ hmarksheimildum_ Ԁvoru23lfeyrissj;Wiraf54meWyfir10%_ ;skrWum_ ԀverWbrfum a rslok2001.Xann30.jnsl.hafWiYeimfkkaW21. T,   Mynd16.  sl?/+b|1 V `d @E~ V V 3  s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  _ Hlutabrfaeign_ Ԁlfeyrissj;Wannaheildrslok2001,beineignogeigngegnum_ verW  brfasj;Wi_ ,var192_ ma.kr_ .eWa30%afhreinnieigntilgreiWslulfeyrisenrslok2000var r hn181_ ma.kr_ .eWa32%afeignum,sj mynd17. 0rslok2001varhlutfallhlutabrfaaf e= hreinnieignlfeyrissj;Wa/deildabilinu0%!49%enhstaleyfilegahlutfaller50%.Xann 0 30.jnsl.var_ hlutabrfaeign_ Ԁlfeyrissj;Wannaheildkomin27,7%afeignum. mynd17   msjaWnnastenginnmunurvarYann30.jnsl.hlutfallihlutabrfasafnisj;WameW  byrgWogsj;WanbyrgWarenmunurinnvarmikillrunum1999og2000. i   Mynd17. ' sl?/+b|1 0 `d @E~0 0 3{ s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  _ Gengisbundnar_ Ԁeignirlfeyrissj;Waf;rur23%rslok200022%rslok2001. (z$. Samkvmtheimildum_ lfeyrissj;Walgunum_ ԀerleyfilegtaWverameWalltaW50%afeignum ( erlendum_ gjaldmiWlum_ .Enginnsj;WurvarnlgtYvhmarkiensjsj;Wir/deildirvorumeW  yfir30%eignasinnaerlendum_ myntum_ ԀogvarhstahlutfalliW39%.Xann30.jnsl.var  hlutfall_ gengisbundinna_ Ԁeignalfeyrissj;WakomiW18%,sbr. mynd18, ogermunur a hlutfalli_ gengisbundinna_ Ԁeignahjsj;WummeWbyrgWogsj;WumnbyrgWarnnastenginn T, semermikilbreytingfrrinu1999.    Mynd18.   sl?/+b|1 0 `0 @E 0 0 M \{ s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?FjrhagsstaWalfeyrissj;Wa. 0   Samkvmt_ lfeyrissj;Walgunum_ Ԁtelstsj;Wurverajafnvgismismunurhreinnieign  tilgreiWslulfeyrissamt_ nvirtum_ Ԁ_ framtWariWgjldum_ Ԁog_ heildarlfeyrisskuldbindinga_ Ԁekki  meirien10%eWa5%fimmrrW. i   0rslok2001voru27_ samtryggingadeildir_ Ԁaf45nbyrgWarreknarmeWhalla,Yarafvoru \4 tvrreknarmeWmeiraen10%hallaog9deildirvorumeWhallabilinu5!10%.tjn ' deildirvorureknarmeW_ afgangi_ ԀYarafeinnmeWmeiraen10%.LeiWirlegttekt_ trygginga  strWfrWings_ Ԁlj;saWlfeyrissj;WursekkijafnvgiberaWbreytasamYykktumhans  YannigaWjafnvginist.0rslok2002erufimmrliWinfrYvaWlgumlfeyrissj;Wit;ku `  gildiogYfyrstmunreynakvWilagannaumaWsj;WirsemreknirerumeWmismun S+! bilinu5%!10%samfelltfimmrYurfiaWgerabreytingarsamYykktumsnum. "   _ Samtryggingadeildir_ ԀYeirralfeyrissj;Wasemhafa_ bakbyrgW_ Ԁrkis,sveitarflagaeWabanka # skuldbindingumeru_ undanskildar_ ԀkvWumlagaumfulla_ sj;Wsfnun_ .Xessirsj;Wirtaka  $ ekkiviWnUjum_ sj;Wflgum_ ԀutantveggjasemhafanUttsrheimildlgumtilaWstofnanUjar !W% deildirsembyggjastfullri_ sj;Wsfnun_ .FjrhagsstaWalfeyrissj;WameW_ bakbyrgW_ Ԁer J""& flestumtilfellumslm,enlokunYeirrahefurfrmeWsraWhraWargengureignirY; #' dregiWsraukningu_ heildarskuldbindinga_ ԀtillengritmalitiW.UmeraWrWasamtals17 #( _ samtryggingadeildir_ Ԁogeru15YeirrareknarmeWhallabilinu4%!96%,hinartvreru $ ) reknarjafnvgi. v%N!*   _ LfeyrisbyrWi_ Ԁlfeyrissj;WaermlikvarWisemnotamtilaWlyktaumstWuogfram A&"+ tWarhorfurlfeyrissj;Waen_ lfeyrisbyrWi_ Ԁer_ lfeyrisgreiWslur_ ԀsemhlutfallafiWgjldum._ Lf  '", eyrisbyrWi_ ԀhkkaralmennteftirYvsemsj;Wirnireldastogh_ lfeyrisbyrWi_ Ԁgefurtilkynna '#- aWhraWargengureignirsj;Wsins.Xanniger_ lfeyrisbyrWi_ Ԁlfeyrissj;Wan_ bakbyrgWar_ Ԁ (z$. bilinu0%!180%.Hinsvegarer_ lfeyrisbyrWi_ Ԁlfeyrissj;WameW_ bakbyrgW_ Ԁbilinu ( 0,3%!170%._ LfeyrisbyrWi_ Ԁlfeyrissj;Waheilderum35%.  Aukinfjlbreytni_ lfeyriskerfum_ . a   Xann1.jl2002vorustarfandilfeyrissj;Wiralls52enYaraftaka11Yeirraekkilengur T, viWiWgjldumogeru_ fullstarfandi_ Ԁsj;WirYv41.Af52(41)lfeyrissj;Wumteljast38(28)vera  lfeyrissj;WirnbyrgWarannarra,14(13)lfeyrissj;WirmeWbyrgWannarra.    Tluvertmargirlfeyrissj;Wirstarfafleirieneinni_ samtryggingadeild_ Ԁvegnamismunandi   _ rttindakerfa_ Ԁog21lfeyrissj;WurermeW_ sreignardeild_ ._ Samtryggingadeildir_ Ԁog_ sreignar  X leiWir_ Ԁerusamtals103. K #    Mynd19.    sl?/+b|1  `TX @E    9 s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  Skiptingheildareignalfeyrissj;Walokrs2001eftir_ lfeyriskerfum_ Ԁereftirfarandi, ' stigakerfi443,6_ ma.kr_ .(68,8%),_ hlutfallskerfi_ Ԁ127,7_ ma.kr_ .(19,8%),_ aldurstengt_ Ԁkerfi30,6  _ ma.kr_ .(4,7%)og_ sreignarsparnaWur_ Ԁ42,8_ ma.kr_ .(6,6%).Skiptingheildareignalfeyrissj;Wa  millikerfaerltiWbreyttfr_ rslokum_ Ԁ1999,sj mynd19, helstabreytinginsemtthefursr `  staWerhkkuneigna_ aldurshWu_ Ԁkerfiog_ hlutfallskerfi_ Ԁumtp5%kostnaWeigna S+! hefWbundnustigakerfi.Hkkuneigna_ hlutfallskerfi_ ԀmnnastalfariWrekjatil_ innborgana_  " B-deild_ LSR_ .Sreignerennmjgltillhlutiafheildareignum_ sj;Wanna_ . # _ ViWb;tartryggingavernd_ Ԁog_ sreignarlfeyrissparnaWur_ . !W%   _ VrsluaWilar_ Ԁ_ lfeyrissparnaWar_ Ԁerun50talsins,_ Y.e._ Ԁ22lfeyrissj;Wir,4bankar,20 J""& _ sparisj;Wir_ ,3_ lftryggingaflg_ Ԁog1verWbrfafyrirtki. #'   _ LfeyrissparnaWur_ ԀhefuraukiststWugtundanfarinrsamkvmtupplUsingumsem_ Fjr #( mlaeftirlitiW_ ԀhefursafnaWsamanfr_ vrsluaWilum_ Ԁ_ lfeyrissparnaWar_ .Eignir_ sreignardeilda_  $ ) lfeyrissj;Wa,aWundanskildumYeim7sj;WumsemstrfuWusemhreinir_ sreignarsj;Wir_ Ԁfram v%N!* aWgildistkulaganr.129/1997Yann1.jl1998,voru1,0_ ma.kr_ .rslok1999,1,9_ ma.kr_ . A&"+ rslok2000og3,4_ ma.kr_ .rslok2001._ LfeyrissparnaWur_ Ԁvrsluannarraenlfeyrissj;Wa  '", var0,6_ ma.kr_ .rslok1999,2,0_ ma.kr_ .rslok2000og5,5_ ma.kr_ .rslok2001.Xannigvar '#- _ lfeyrissparnaWur_ Ԁvrsluannarraenlfeyrissj;WasemstrfuWusemhreinir_ sreignarsj;Wir_  (z$. fyrirgildistkulaganr.129/19978,9_ ma.kr_ .rslok2001. mynd20 ersUndnnari ( sundurliWun_ lfeyrissparnaWi_ Ԁeftir_ vrsluaWilum_ ԀogYr;uninsWustuYrjrin.    _ HeildarsreignarsparnaWur_ Ԁvrslulfeyrissj;Waogannarra_ vrsluaWila_ Ԁvar30,6_ ma.kr_ .  rslok1999,37_ ma.kr_ .rslok2000og48,3_ ma.kr_ .rslok2001.Strsturhlutilfeyris a rttindasreigntengistYvYeimsjlfeyrissj;Wumsemvoruhreinir_ sreignarsj;Wir_ Ԁfyrir T, gildistkulaganr.129/1997.    LfeyrisrttindisreigngetasprottiWaf_ viWb;tariWgjaldi_ Ԁumfram_ lgbundiW_ Ԁ10%iWgjald  annarsvegarogaf10%lgbundnu_ iWgjaldi_ Ԁtil_ lgmarkstryggingaverndar_ Ԁhinsvegar.Sreign   semspretturaf10%lgbundnu_ iWgjaldi_ Ԁskiptistsreigntil_ lgmarkstryggingaverndar_ Ԁog  X sreigntil_ viWb;tartryggingaverndar_ .Sjlfeyrissj;WirnUtasrheimildirlgumtilaWskil K #  greina_ lgmarkstryggingavernd_ Ԁlgrien10%ogbj;Waupp_ lgmarkstryggingavernd_ Ԁsem    ersamYttingsreignarogsameignar.Sj;Wflagigetur;skaWeftiraWshluti_ lgbundins_ Ԁ_ lg    marksiWgjalds_ ԀsemskilgreindurersemsreignsrWstafaWtilannars_ vrsluaWila_ Ԁ_ lfeyris   sparnaWar_ ԀhonumaW_ kostnaWarlausu_ . wO    Mynd20.    Gsl?/+b|1 fdz `@EM>dzdzs >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  Hreineignlfeyrissj;Wannavar644,8_ ma.kr_ .rslok2001og_ lfeyrissparnaWur_ Ԁvrslu A&"+ annarraenlfeyrissj;Wa5,5_ ma.kr_ .Xannigvar_ lfeyrissparnaWur_ Ԁsreignogsameign650,3  '", _ ma.kr_ .rslok2001._ LfeyrissparnaWur_ Ԁvrsluannarraenlfeyrissj;WasemstrfuWusem '#- hreinir_ sreignarsj;Wir_ Ԁfyrirgildistkulaganr.129/1997varYv1,4%afheildareignumlf (z$. @.     _ eyrissj;Wa_ Ԁogannarra_ vrsluaWila_ Ԁen_ heildarsreignarsparnaWur_ Ԁvrsluallralfeyrissj;Waog ( annarra_ vrsluaWila_ Ԁ7,5%.   2.4_ VtryggingamarkaWur_ .  a AukinnhagnaWur_ vtryggingaflaga_ . T,   riW2001einkenndistafbetriafkomu_ vtryggingaflaga_ ԀheldurenveriWhefurundan  frnumrum.MmeWalannarsrekjaYaWtilltillaraukningareigin_ tj;num_ Ԁflaganna  samanboriWviWeiginiWgjld,eneigintj;n_ vtryggingaflaga_ ԀhkkuWumikiWrunum1999   og2000.  X   HreftirergerWnnarigreinfyrirstarfsemislenskra_ vtryggingaflaga_ Ԁeinsoghn K #  birtist_ rsreikningum_ Ԁfyrir_ reikningsriW_ Ԁ2001.AllarfjrhWirerufrWartilverWlagsrsins    2001.BreytingarfjrhWamilliraverWaYvbreytingarumframverWlagsbreytingar._ ViW    lagatrygging_ Ԁ0slandsstarfarsamkvmtsrlgum,hefurafmarkaWhlutverkogerYvsleppt   umfjllunumrekstur_ vtryggingaflaga_ Ԁhreftir.IWgjld_ ViWlagatryggingar_ Ԁvoru721 wO  _ m.kr_ .rinu2001,entj;nnmu161_ m.kr_ .rinu2000nmutj;n_ ViWlagatryggingar_ Ԁhins B  vegar2,6_ ma.kr_ .      SamanlagWurhagnaWur_ vtryggingaflaganna_ _  #  8      _ Ԁvar2,7_ ma.kr_ .rinu2001ogj;kstum   71%. Mynd21 sUnirhvernighagnaWurhefurYr;astfr1997: {  sl?/+b|1  `B@E9  D9n s >?>?>> #9>?>? #  0_ rekstrarreikningi_ Ԁer_ fjrfestingartekjum_ Ԁskipt_ vtryggingarekstur_ Ԁogfjrmlastarfsemi ( ogsWanreiknaWurhagnaWurafhvorumhlutastarfseminnarumsig.Xessiskiptinghefur  hvorkihrif_ fjrfestingartekjur_ Ԁheildn_ niWurstWutlu_ Ԁ_ rekstrarreikningsins_ ,_ hagnaWinn_ .  HagnaWuraf_ vtryggingarekstri_ ԀhafWiminnkaWrfrrisWanYessi_ reikniaWferW_ Ԁvarfyrst a notuWviWreikningsskilfyrirriW1996enhagnaWuraf_ fjrmlarekstri_ Ԁaukistm;ti.rinu T, 2001varWhinsvegarsbreytingaWhagnaWuraf_ vtryggingarekstri_ ԀvarWsmestisWan1996,  enhagnaWuraf_ fjrmlarekstri_ Ԁdr;stsamanfrrinuWur.AlmenntmY;segjaaWtluverWur  hagnaWurhafiveriWllumsviWumstarfseminnar.     Mynd22 sUnirhvernighagnaWurafhelstuYttumstarfseminnarhefurskipstfrrinu  X 1997: K #  sl?/+b|1 T `@Ep TT% s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?_ Tj;nagreiWslur_ Ԁ_ vtryggingaflaga_ Ԁlkka!iWgjldhkka. `    _ IWgjaldatekjur_ Ԁ_ skaWatryggingaflaganna_ ԀhlduframaWhkkarinu2001._ IWgjaldatekjur_  S+! rsinshkkuWuum9%umframverWlagsbreytingarfrfyrrari,eWaum1,6_ ma.kr_ .ognmu " 19,9_ ma.kr_ .Seingnguhorft_ kutkjatryggingar_ Ԁvarhkkunin1,9_ ma.kr_ .Einnighkk # uWuiWgjldltillegaWrumgreinum_ frumtrygginga_ ,enm;tikomveruleglkkuniWgjalda  $ _ endurtryggingum_ .IWgjldinnlendum_ endurtryggingum_ ԀlkkuWuum800_ m.kr_ .,eWa71%. !W%   Tj;nrsinslkkuWuhinsvegarfrfyrrarium8%,eWaum1,6_ ma.kr_ .Mestumunarum J""& aWtj;n_ eignatryggingum_ Ԁdr;gustsamanumtpar800_ m.kr_ .EinniglkkuWutj;n_ lg #' boWnum_ Ԁ_ kutkjatryggingum_ Ԁum460_ m.kr_ .,eneruY;ennsemfyrrhrrieniWgjldrsins #( smugrein.Tj;ninnlendum_ endurtryggingum_ ԀlkkuWuumtpar600_ m.kr_ .Xegarhlutur $ ) _ endurtryggjenda_ ԀiWgjldumog_ tj;num_ ԀhefurveriWdreginnfrstandaeftireiginiWgjld v%N!* rsinsaWfjrhW16,7_ ma.kr_ .ogeigintj;naWfjrhW16,2_ ma.kr_ . A&"+   Mynd23 sUnirYr;uniWgjldumog_ tj;num_ Ԁ_ skaWatryggingum_ ԀsWan1997,annarsvegar  '",  Yr;un_ heildarfjrhWa_ ԀoghinsvegariWgjldogtj;neiginhlut.Xrttfyrirlkkun_ tj;na_ Ԁ '#- heildrinu2001hafatj;neiginhluthkkaW.stWaneraWrinuundan&   urWustrri ( tj;nsemvoruaW'(mkԀstrrihlutabttaf_ endurtryggjendum_ Ԁflaganna.    Mynd23. a sl?/+b|1 ` `@ET``Ts >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  AukiWgjaldaog_ tj;na_ ԀhafarekstrarkostnaWur,_ fjrfestingartekjur_ Ԁogbreyting_ tjfnunar e= skuld_ Ԁmikilhrifafkomu_ vtryggingastarfseminnar_ .RekstrarkostnaWurvar3,5_ ma.kr_ .og 0 hefurhkkaWjafntogYttsWustur.0heildinavarlagt_ tjfnunarskuld_ Ԁrinu,samtals  um269_ m.kr_ .rinuvarfariWframviW_ vtryggingaflgin_ ԀaWYausettusrreglurum  kvrWunumbreytingu_ tjfnunarskuld_ .EinungisYauflgsemsetthafasrreglurog i fengiWYrstaWfestaraf_ Fjrmlaeftirlitinu_ ԀhafaheimildtilaWleggja_ tjfnunarskuld_ . \4 Einstakir_ greinaflokkar_ Ԁ_ skaWatrygginga_ .    Mynd24 sUnirhvernigtj;nrsinsskiptasteftir_ greinaflokkum_ ԀogsamanburWviWfyrra  r.Tj;n_ eignatryggingum_ ԀlkkuWuumtpar800_ m.kr_ .frfyrrari,eWaum19%._ Endur `  tryggingastarfsemi_ Ԁslenskra_ vtryggingaflaga_ ԀhefurdregistverulegasamanYarsemstrsta S+! _ endurtryggingaflagiW_ ,0slensk_ endurtrygging_ Ԁhf.,hefurhttaWtakaaWsrnUjartryggingar. " Umfang_ byrgWartrygginga_ Ԁogslysa-ogsjkratryggingahefuraukistjafntogYttmillira # mltbWiiWgjldumog_ tj;num_ .  $   0_ lgboWnum_ Ԁ_ kutkjatryggingum_ ԀlkkuWutj;numtpar500_ m.kr_ .eWa5%ognmuum !W% 8,4_ ma.kr_ .,eWa46%afllum_ frumtryggingatj;num_ Ԁflaganna._ Tj;nagreiWslur_ ԀskiptustYannig J""& aW_ tj;naskuld_ ԀhkkaWium2,5_ ma.kr_ .enb;kfrWtj;nnmu5,9_ ma.kr_ .riW2000voru_ tj;nin_  #' verWlagiYessrs8,3_ ma.kr_ .enskiptustYannigaWhkkun_ tj;naskuld_ Ԁnam2,7_ ma.kr_ .en #( b;kfrWtj;n5,6_ ma.kr_ . $ )   Tj;n_ lgboWnum_ Ԁ_ kutkjatryggingum_ Ԁvoru513_ m.kr_ .umframiWgjld,eWa7%.0allri v%N!* _ vtryggingastarfsemi_ ԀvoruY;iWgjldumframtj;num1,56_ ma.kr_ .ogYarafvoruiWgjld A&"+ frjlsum_ kutkjatryggingum_ Ԁtpum1_ ma.kr_ .umframtj;n,eWa51%.  '",   (z$.   Mynd24. (  r sl?/+b|1 j ``L@E{jj0s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  Mynd25 sUnirhvernigiWgjldrsinshafaYr;asthelstu_ greinaflokkum_ Ԁ_ skaWatrygginga_ .  JafnframtsstinnbyrWisvgieinstakra_ greinaflokka_ Ԁ_ iWgjaldatekjum_ .    _ FrumtryggingaiWgjld_ Ԁrsins2001vorusamtals19,6_ ma.kr_ .ensamsvaranditj;n18,0 r _ ma.kr_ .0_ endurtryggingum_ Ԁsemslensk_ vtryggingaflg_ Ԁt;kuaWsrvoruiWgjldtplega320 e= _ m.kr_ .,entj;n356_ m.kr_ . 0   0_ lgboWnum_ Ԁ_ kutkjatryggingum_ ԀhkkuWu_ iWgjaldatekjur_ Ԁum1,6_ ma.kr_ .frfyrrari,eWa  um25%.IWgjld_ kutkjatrygginga_ ԀvoruhkkuWmiWjuri2000ogvarYvhlutiYeirrar  hkkunaraWkomaframrinu2001.Hlutur_ lgboWinna_ Ԁ_ kutkjatrygginga_ Ԁvar40%af i _ heildariWgjldum_ Ԁ_ frumtrygginga_ ,oghefurhkkaWr37%riW2000.Hlutur_ kutkjatrygg \4 inga_ Ԁheildvar55%afsamanlgWum_ frumtryggingaiWgjldum_ Ԁrinu2001oghefureinnig ' aukistjafntogYttundanfrnumrum.       Mynd25. ( sl?/+b|1 ` `@E``s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?Vxtur_ lftryggingastarfsemi_ .    SWusturhafab;kfrWiWgjld_ lftryggingaflaga_ ԀaukistjafntogYtt.fstuverWlagi  jukust_ iWgjldin_ Ԁum353_ m.kr_ .eWa23%.B;kfrWiWgjldvoru1,9_ ma.kr_ .rinu2001. r VxturlftryggingummeW_ fjrfestingarhttu_ Ԁ_ lftryggingataka_ ԀhltframogumfangYessa e= Yttarnrri_ tvfaldaWist_ Ԁsamari. 0   Mynd26 sUnirYr;un_ b;kfrWra_ ԀiWgjaldalftryggingumrunum1997!2001.Til  viWb;tariWgjldumsemgreiddvorutilinnlendra_ lftryggingaflaga_ Ԁvoru516_ m.kr_ .greiddar  iWgjldumtilerlendra_ lftryggingaflaga_ Ԁgegnuminnlendar_ vtryggingamiWlanir_ . i   Mynd26. ' sl?/+b|1  `l @E  g(M s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>? m)E%/ Eignir_ vtryggingaflaga_ Ԁaukast. (   SamanlagWareignir_ vtryggingaflaga_ Ԁvoru71,0_ ma.kr_ .viWlokrsins2001oghfWuY  hkkaWfrfyrrarium7,7_ ma.kr_ .0samrmiviWeWli_ vtryggingastarfsemi_ Ԁvoru  fjrfestingarstrsti_ eignaliWur_ Ԁflaganna,50,9_ ma.kr_ .rslok2001._ Skuldamegin_ Ԁer a _ vtryggingaskuldin_ Ԁstrst,48,0_ ma.kr_ .0gr;fumdrttummsegjaaWfjrfestingarog T, _ vtryggingaskuld_ Ԁsunlgt70%af_ efnahagsreikningnum_ .    Mynd27 sUnirYr;unhelstu_ fjrfestingaliWa_ Ԁfr1997.Vxturfjrfestingumvareinkum  verWbrfummeWbreytilegumtekjum,eneinnigjukustfjrfestingarverWbrfummeW   fstumtekjum._ Blaln_ Ԁdr;gustsamanrinu2001.  X   Mynd27.    sl?/+b|1 ` `@E `` s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  VWaerlendishafaeignir_ vtryggingaflaga_ ԀlkkaWverulegavegna_ lkkana_ Ԁflestum  _ hlutabrfamrkuWum_ .SYr;unhefurekkiorWiWsamamlihrlandiendahafa_ lkkanir_  `  innlendumhlutabrfumekkiveriWjafnmiklarogerlendisog_ verWbrfaeign_ Ԁ_ vtrygginga S+! flaganna_ ԀeraWmestuinnlendumbrfum.0slensku_ vtryggingaflgin_ Ԁfrahlutabrfsn " kaupverWieWamarkaWsverWi,hvortsemlgrareynist,lok_ reikningsrs_ .0rslok2001nam # _ b;kfrt_ ԀverWskrWrahlutabrfaYriggjastrstu_ vtryggingaflaganna_ Ԁum13,1_ m.kr_ .og  $ markaWsverWum16,2_ m.kr_ . !W%   Mynd28 sUnireigiWfog_ vtryggingaskuld_ Ԁheild.BWirliWirhafavaxiWjafntogYtt. J""& HlutieiginfjrerY;tvtalinnvegna_ eignarhluta_ Ԁsem_ vtryggingaflg_ ԀeigaWrum_ v #' tryggingaflgum_ . #(   _ Tj;naskuldin_ Ԁheildvar35,5_ m.kr_ .,eWaYrrfj;rWuhlutar_ vtryggingaskuldarinnar_ .Hn $ ) erhelmingurafefnahag_ vtryggingaflaga_ ._ Tj;naskuld_ Ԁ_ lgboWnum_ Ԁ_ kutkjatryggingum_  v%N!* var22,6_ m.kr_ .,eWaum2/3af_ tj;naskuldinni_ .  A&"+     Mynd28. ( sl?/+b|1 ` `L@E``-s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  Mynd29 sUnirYr;unhelstuliWaeigin_ vtryggingaskuldar_ .Hlutur_ endurtryggjenda_ Ԁ_ v r tryggingaskuld_ ԀerfrWursem_ eignaliWur_ Ԁ_ rsreikningum_ ,enhannnam4,5_ m.kr_ .rslok e= 2001.Eigin_ vtryggingaskuld_ ԀvarYvsamtals43,5_ m.kr_ .oghefuraukistum5,2_ m.kr_ .fr 0 rinu2000.    _ IWgjaldaskuld_ ԀhkkarsamrmiviWaukinumsvifoghrriiWgjld_ kutkjatryggingum_   og_ tj;naskuld_ ԀhkkareinnigvegnaYessaW_ ;uppgerW_ Ԁtj;nrinu2001erumetinhrrien i semnemuruppgjrieldri_ tj;na_ Ԁrinu.Einsogfyrrirumstafarhkkun_ tj;naskuldar_ ԀaW \4 mestuleytiaf_ lgboWnum_ Ԁ_ kutkjatryggingum_ ,eninniYeirritlueru_ slysatj;n_ Ԁsemhafa ' langan_ uppgjrstma_ .Aukning_ tj;naskuldar_ ԀYessarigreinnemur2,6_ m.kr_ ._ Btjfnunarskuld_   dregstltillegasamanfstuverWlagi.     Mynd29. ( kl7'#`<: `E@>::2k >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>? 3.herslurstarfi_ Fjrmlaeftirlitsins_ Ԁnstu_ missiri_ .  i   _ FjrmlaeftirlitiW_ ԀhefurbyggtstarfsemisnaskUrumherslumsemm;taWarerumeW \4 hliWsj;nafaWstWum_ fjrmlamarkaWi_ .herslurnartakaekki_ meginbreytingum_ Ԁmillira ' heldurmyndaYrkjlfestustarfseminniyfirlengratmabil.Yfirlityfirstarfsemina1.  kaflahraWframanlUsiraWst;rumhlutaverkefnumsemsetteru_ verktlun_ Ԁogunnin  samrmiviWYessar_ meginherslur_ . `   3.1Hlutverkstj;rna!_ httustUring_ Ԁoginnraeftirlit.  " *ludd`d `UuX>>l,`dd +  5????" $  5StuWlaWeraWYvaWhverju_ fjrmlafyrirtki_ Ԁsustj;rnendursemtilYesserubriraW  % bafyrirtkinusterktskipulag,skUrastefnu,_ skilvirkar_ Ԁinnrireglurog_ verkferla_ ,viW !o& eigandi_ upplUsingakerfi_ ԀoginnriendurskoWun.MeWYverstj;rnendunumsjlfumog b":' WrumstarfsmnnumkleiftaWmetameWrttuYhttusemstarfseminnifelstogstUra -#( hennisamrmiviWstyrkleikafyrirtkisins.7-+#)  ???? 7  DmiumalmennaraWgerWirsWastatmabili: %~!* ! ! 9ikm;o<=>@(gx8 A"i0J"  i0JB 2g!3  Ԉ0    LeiWbeinanditilmliuminnraeftirlitog_ httustUringu_ Ԁ_ fjrmlafyrirtkja_ Ԁ(1/2002).i0JBo݌q&I"+ Ќ  "i0J"  i0J 2g!3  Ԉ0    Styrkingreglnaummat_ afskriftum_ Ԁ(51/2002).i0JӺ݌<'#, Ќ  "i0J"  i0J 2g!3  Ԉ0    StyrkingeftirlitsmeW_ eiginfjrhlutfllum_ ԀoggWum_ tlna_ .i0J݌(#- Ќ    Skakkafllstarfsemi_ fjrmlafyrirtkja_ ԀmundantekningarltiWrekjatilveikleika ( stj;rnun,_ httustUringu_ Ԁoginnraeftirliti._ FjrmlaeftirlitiW_ ԀhefurstarfsemisinniaflaWsr  vWtkrarreynsluogYekkingarstarfsemistj;rna_ fjrmlafyrirtkja_ ԀogleiWumsemYeim  erufrartilaWsinnahlutverkisnu. a   HingaWtilhefur_ FjrmlaeftirlitiW_ ԀlagtherslusamskiptiviWstj;rnirfyrirtkjasemeru T, erfiWleikumeWagerWarerualvarlegarathugasemdirviWeftirliti.nstu_ missirum_ Ԁmun  _ FjrmlaeftirlitiW_ ԀleitastviWaWaukaupplUsingamiWlunogsamskiptiviWstj;rnir_ fjrmla  fyrirtkja_ Ԁalmennt.Xannigmun_ FjrmlaeftirlitiW_ Ԁbj;Wastj;rnarmnnum_ fjrmlafyrirtkja_    hverjusviWi_ fjrmlamarkaWar_ Ԁtil_ kynningarfunda_ ԀYarsemfjallaWverWurumhlutverk  X stj;rnaogYautkisemYrhafatilaWsinnahlutverkisnu.herslaverWurlgWaWfjalla K #  umYauatriWisemrskeiWishafafariWaWundanfrnuaWmati_ Fjrmlaeftirlitsins_ .      stWaertilaWhugasrstaklegaaWYvhverniginnraeftirlitiersinnt_ fjrmlafyrir    tkjum_ .AlgengteraWinnraeftirlitshndumytri_ endurskoWanda_ Ԁsamkvmtsrstkum   samningi.AlmennreynslaafYessugefurtilefnitilaWhugaWsaWfrekariaWskilnaWiytriog wO  innriendurskoWunarogmun_ FjrmlaeftirlitiW_ ԀleitaviWrWnaviW_ hagsmunaaWila_ Ԁumfrar B  leiWirYessuefni._ FjrmlaeftirlitiW_ ԀhefurennfremurvakiWmlsYvaWskiljaYurfi    lggjfum_ vtryggingafyrirtki_ Ԁogfyrirtki_ verWbrfaYj;nustu_ ԀaWtilstaWarsinnri   endurskoWunsemheyribeintundirstj;rnviWkomandifyrirtkis. {   3.2Starfshttir_ fjrmlamarkaWi_ .  9 *ludd`dd `u>>l,`dd +  5????" 5_ FjrmlaeftirlitiW_ ԀfylgistmeWYvaWstarfsemi_ fjrmlamarkaWi_ ԀssamrmiviW  eWlilegaogheilbrigWa_ viWskiptahtti_ .0samrmiviWYettaleggur_ FjrmlaeftirlitiW_ Ԁherslu  aWfylgjastmeWstarfshttum_ fjrmlamarkaWi_ .7-+}U  ???? 7  DmiumalmennaraWgerWirsWastatmabili: + ! ! 9ikm;o<=>@(gxx9ikm;o<=>@"i0J"  i0JR 2g!3  Ԉ0    Uppbygging_ markaWsvaktar_ Ԁ_ verWbrfamarkaWi_ .i0JR݌ Ќ  "i0J"  i0J 2g!3  Ԉ0    _ UmrWuskjal_ Ԁvegnatilmlaumgreiningar/greiningardeildir.i0J݌ Ќ  "i0J"  i0J 2g!3  Ԉ0    _ UmrWuskjal_ Ԁvegnatilmlaumstarfshtti_ vtryggingamiWlun_ .i0J݌d Ќ    _ FjrmlaeftirlitiW_ ԀhefuraWundanfrnulagthersluaWstyrkja_ markaWsvakt_ Ԁsnaogskapa W/ forsendurfyrir_ skilvirku_ Ԁeftirliti_ verWbrfamarkaWi_ .Ennfremurhefur_ FjrmlaeftirlitiW_  " hugaWsrstaklegaaWstarfshttum_ vtryggingamarkaWi_ Ԁog_ lfeyrismarkaWi_ .    _ FjrmlaeftirlitiW_ ԀteluraWhugaYurfisrstaklegaaWstarfshttum_ fjrmlamarkaWi_ Ԁ   tengslumviWeftirlitmeWeigendumvirkra_ eignarhluta_ Ԁ_ fjrmlafyrirtkjum_ .Miklarbreyt [! ingareignarhaldi_ fjrmlafyrirtkja_ ԀundanfarnamnuWiogfenginreynslagefur_ Fjrmla N&" eftirlitinu_ ԀtilefnitilaWhugasrstaklegaaWYvhvernigstaWiWeraWflunvirkra_ eignarhluta_ ,  # Ytttkueigendavirkra_ eignarhluta_ Ԁstj;rnum_ fjrmlafyrirtkja_ ԀoghrifumYeirra  $ starfsemiviWkomandifyrirtkja._ Fjrmlaeftirlitinu_ ԀermeWngildandilgumtlaWmikiW !% hlutverkYessusviWiYarsemleitabersamYykkisfyrirkaupumvirkum_ eignarhluta_ Ԁog z"R& kveWiWumtkitilframhaldandieftirlitseftiraWkaupeigasrstaW. E#'   0tengslumviWYettamun_ FjrmlaeftirlitiW_ ԀleggjaauknaherslueftirlitmeW_ viWskipta $( tengslum_ Ԁ_ fjrmlafyrirtkja_ ԀogaWilasem_ venslaWir_ ԀeruYeim,_ t.d._ Ԁstj;rnarmanna_ fjrmla $ ) fyrirtkis_ ,strstuhluthafaogfyrirtkjaeigna-eWa_ stj;rnunartengslum_ ԀviW_ fjrmla %~!* fyrirtki_ .XettaekkisstviWumlnastofnanir.  q&I"+  3.3_ MarkaWsaWhald_ .  ( *ludd`dd `u>>l,`dd +  ,???? ,  _ FjrmlaeftirlitiW_ ԀleggurhersluaWstuWlaaWauknu_ gegnsi_ Ԁstarfsemi_ fjrmlafyrir  tkja_ .MeWYvskapastaukiWaWhaldafhlfumarkaWarins,samhliWaaWhaldiinnraeftirlits y og_ opinbers_ ԀeftirlitsmeWfjrmlastarfsemi.7-+lD  ???? 7L    DmiumalmennaraWgerWirsWastatmabili:   ! ! 9ikm;o<=>@(gxx9ikm;o<=>@"i0J"  i0JS 2g!3  Ԉ0    EndurskoWunreglugerWarumrsreikninga_ vtryggingaflaga_ Ԁannarraen_ lftrygginga   flaga_ Ԁ(951/2001)ogleiWbeinanditilmliumreikningsskil_ vtryggingaflaga_ Ԁ(4/2002).i0JS݌  Ќ  "i0J"  i0JB 2g!3  Ԉ0    LeiWbeinanditilmliumviWb;tarupplUsingarvarWandi_ fjrmlaskjl_ Ԁ_ rsreikningum_  { S  _ lnastofnana_ .i0JBo݌F   Ќ  "i0J"  i0J 2g!3  Ԉ0    _ UmrWuskjal_ ԀumnU_ skUrsluskil_ Ԁlfeyrissj;Waum_ tryggingafrWilegar_ Ԁ_ ttektir_ .i0J݌   Ќ    _ FjrmlaeftirlitiW_ ԀmunframhugaaWendurskoWunogsamrmingu_ reikningsskila_ Ԁ   _ fjrmlamarkaWi_ .FylgsthefurveriWmeWYr;unlggjafarerlendumvettvangi,enendur   bturogsamrming_ reikningsskila_ Ԁerumjgtilumfjllunarinnan_ Evr;pusambandsins_ Ԁog rJ  vWar. =    nstu_ missirum_ Ԁmun_ FjrmlaeftirlitiW_ ԀhugaaWauknu_ gegnsi_ Ԁeftirliti_ fjrmla   markaWi_ ._ Fjrmlaeftirlitinu_ ԀberaWbyggjatrnaWigagnvartaWilummlsmeWferWmla   llumsviWum_ fjrmlamarkaWar_ ԀogekkiertluninaWgeraYvbreytingar.Vegnamegin v reglnaum_ gegnsi_ Ԁ_ verWbrfamarkaWi_ ԀogjafnrWifjrfestaber_ Fjrmlaeftirlitinu_ Ԁhinsvegar iA aWleitaallraleiWatilaWgeragreinfyrirstarfsemisinni,standi_ fjrmlamarkaWa_ Ԁog_ fjr 4  mlastWugleika_ .MeWYvgetur_ FjrmlaeftirlitiW_ ԀfyrirsittleytistuWlaWaWauknuaWhaldi  markaWarins._ FjrmlaeftirlitiW_ ԀmuneinsoghingaWtilbeita_ heimasWu_ ԀsinniogWrum  tgfumYessuskyni. m   _ FjrmlaeftirlitiW_ ԀleggurauknahersluhlutverksittupplUsingamiWlunogkynningu `8 mlefnumertengjast_ fjrmlamarkaWi_ .SkynningbeinistaWsvostdduaWallegaaWstarfs + mnnum_ fjrmlafyrirtkja_ ԀennUtisteinnigaWbyggjauppYekkingu_ fjrmlamarkaWi_ .  MeWstkkunhsnWishefur_ FjrmlaeftirlitiW_ ԀnyfiraWrWaaWstWutilaWsinnaYessu  hlutverkiauknummli. d N 3.4_ Samkeppnishfni_ Ԁ_ fjrmlamarkaWar_ .  " *ludd`dd `u>>l,`dd +  ,????  ,  _ FjrmlaeftirlitiW_ ԀhefurhlutverkiaWgegnaviWaWskapahr_ samkeppnishfan_ Ԁ_ fjrmla ! markaW_ .Jafnframtber_ Fjrmlaeftirlitinu_ ԀaWtakaYttm;tun_ fjrmlamarkaWar_ Ԁogfylgja s" eftirsj;narmiWumumhagsmuniviWskiptamannaogryggi_ fjrmlaYj;nustu_ .7-+f>#  ???? 70    DmiumalmennaraWgerWirsWastatmabili: !$ ! ! 9ikm;o<=>@(gxx9ikm;o<=>@"i0J"  i0J 2g!3  Ԉ0    OrWiWviWathugasemdumogbendingum_ AlYj;Wagjaldeyrissj;Wsins_ Ԁsemsettarvoru !% framathugunstWugleikaslenska_ fjrmlakerfisins_ .i0J݌"& Ќ  "i0J"  i0JV 2g!3  Ԉ0    MarkvissskipulagningYtttku_ Fjrmlaeftirlitsins_ Ԁerlendusamstarfi.i0JV݌u#M' Ќ    _ Samkeppnishfni_ Ԁslensks_ fjrmlamarkaWar_ ԀersennforsendaogstWavirkratengsla @$ ( markaWarinsviWerlenda_ fjrmlamarkaWi_ .Saukinstarfsemislenskra_ fjrmlafyrirtkja_   % ) erlendisermikilvgurYtturaWbyggjaupp_ samkeppnishfni_ Ԁ_ fjrmlamarkaWarins_ Ԁheild. %!* UmleiWkmiYessierlendaYtttakatpasttilgreinanemavegnaYessaWhininnlendu &y"+ _ fjrmlafyrirtkja_ Ԁstandast_ samkeppniskrfur_ . l'D#,     AukinerlendYtttakainnlendra_ fjrmlafyrirtkja_ ԀkallarbreytingaryfirsUn_ Fjr 7($- mlaeftirlitsins_ Ԁyfirstarfseminaog_ styrkingu_ Ԁeftirliti_ samstWugrundvelli_ .Xvmun_ Fjr ( mlaeftirlitiW_ ԀleggjahersluaWstyrkjaennfrekarsamstarfsittviW_ eftirlitsaWila_ ԀYeim  rkjumYarsemstarfseminferfram.  Ӏ _ Fylgiskjal_ Ԁ_ IV_ .  dAuG) 'dE> 'A^d   FjrmlarWuneyti,   _ fjrlagaskrifstofa_ :  X   Umsgnumfrumvarptillagaumbreytingulgumnr.99/1999,umgreiWslu    kostnaWarviWopinberteftirlitmeWfjrmlastarfsemi,meWsWaribreytingum.         MeWfrumvarpinuergreintfrtlunumumfangogkostnaWafopinberueftirlitimeW   fjrmlastarfsemioglagWartil_ gjaldaheimildir_ ԀtilaWstandaundirkostnaWinum. wO    VerWifrumvarpiW;breyttaWlgumergertrWfyriraWkostnaWurafstarfsemi_ Fjrmla B  eftirlitsins_ ԀverWi268,4_ m.kr_ .riW2003.XaWgreiWistaWmestumeW_ lgWu_ Ԁgjaldi_ fjrmla    fyrirtki_ ԀsemertlaW259,7_ m.kr_ .riW2003ogerYaW22,6%hkkunmiWaWviWtlaWa   innheimtursins2002.XessmgetaaWrinu2002varnUtt47,9_ m.kr_ ._ yfirfrsla_ Ԁfrfyrra {  ri.EinnigergertrWfyriraW_ srtekjur_ ԀstofnunarinnarverWi5,3_ m.kr_ .og_ yfirfrslur_ ԀfrYessu nF rieru3,4_ m.kr_ .