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Y, "]cb    "]5c  Um1.]cb    gr]cWcb    ."]5cc݌ $ Ќcb   b  0greininnierlagttilaWsettverWiYakhkkun_ verWtryggingar_ Ԁ_ rsgrundvelli_ Ԁfyrir  neytendur._ rsgrundvllur_ ԀerskilgreindursemviWmiWviWbreytingarvsitluhverjusinni   sWustu12mnuWiviWtreikninghversgjalddaga.Hluti_ verWtryggingar_ ԀskalYvaukastaWh  X markium4%_ rsgrundvelli_ ԀhverjumgjalddagamiWaWviW_ viWmiWunarvsitlu_ Ԁsemervsi P #  talaneysluverWssamkvmtlgunum.MeWYessuereinfaldlegareiknuWhkkunvsitlunnar    miWaWviWverWlaghennar12mnuWumWurogskiptirYenguhvortafborguner_ mnaWarleg_ ,    _ rsfj;rWungsleg_ ,_ hlfsrsleg_ ԀeWarleg.Smunurmeirien4%milli_ tmabila_ Ԁhkkar_ hfuW   st;llinn_ ԀeinfaldlegaaWhmarkium4%.GildirYettaumallarskuldbindingarneytendasem |O  hafaveriW_ verWtryggWar_ .XannigereinnigkomiWtilm;tsviWsj;narmiWumaWneytendurgeti G  gertsrgreinfyrirrlegrihlutfallstlukostnaWar,sbr.lgumneytendaln,nr.121/1994.     Um2.gr. {  Sl  0greininnierlagttilaW_ lntaka_ ԀmeWneytendalnverWiheimiltaWbreyta_ verWtryggWu_ Ԁlni sF _ ;verWtryggt_ .JafnframterlagttilaW_ lnveitanda_ ԀverWi;heimiltaWkrefjast_ lntkukostnaWar_  > vegnabreytingarinnar,_ innborgunar_ Ԁ_ hfuWst;l_ ԀtilaWlkkahanneWameira_ veWrUmis_ Ԁ   _ ;verWtryggWa_ ԀlninuenvarYvverWtryggWaviWbreytinguna.MarkmiWYessararbreytingar  eraWdragarvgi_ verWtryggingar_ Ԁ_ neytendalnum_ ԀogauWveldaneytendumaWbreytaverW r tryggWumlnumsnum;verWtryggW. j=   Um3.gr.  p  0greininnierlagttilaW;heimiltverWiaWbreytatekjumoggjldumfrumvarpitilfjrlaga  grunnialmennrar_ verWlagsYr;unar_ ,sbr.vsitluneysluverWs,semHagstofa0slandsreiknar i samkvmtlgumsemumvsitlunagilda.kvarWanirumhkkanirverWuraWrkstyWja a4 grundvelliraunverulegrakostnaWarhkkanaviWkomandirekstrienekkialmennra_ verWlags , hkkana_ .Dmiumraunverulegar_ kostnaWarhkkanir_ ԀgetaveriW_ umsamdar_ Ԁlaunahkkanir  starfsmanna,hrra_ innkaupsverW_ ԀvarasemnUttarerurekstrinum,hkkunrafmagnioghita  o.s.frv.BreytinginmundistyWjaviWbtta_ efnahagsstj;rnun_ ,dragarsjlfkrafahkkunum `  samflaginuogstyWjaviW_ verWb;lgumarkmiW_ Ԁ_ peningastefnunnar_ .UndantekningarvarWa X+! skuldbindingarrkisinssemkomiWhefurveriWmeWsrlgumeWasamningumrkisins. #"   Um4.gr.  $ zv  0greininnierlagttilaWrWherraskipinefndtilaWendurskoWalgogreglugerWum !W% lfeyrissj;WiervarWasamspilkvWaum_ tryggingavernd_ Ԁogalmennar_ tryggingafrWilegar_  O""& forsendursem_ tryggingafrWileg_ Ԁathugunbyggist,Ysrstaklega_ vxtunarkrfu_ Ԁsemskal #' notaviW_ nvirWingu_ Ԁ_ framtWariWgjalda_ Ԁogvntanlegslfeyrissj;Waograunvextisemathug #( uninbyggist.LagtertilaWnefndinskoWisrstaklegahrif_ vxtunarkrfunnar_ ԀmarkaWs $ ) vextioghegWun_ markaWsaWila_ .LagtertilaWnefndinskilirWherraskUrslusamttillgumum {%N!* nUjareglugerWoglagabreytingarfyrir1.ma2013. F&"+     '", & a    Um5.gr. - R{  0greininnierlagttilaWSeWlabanki0slandssetjilnastofnunumreglurum_ verWtryggingar  jfnuW_ Ԁoghmarkhlutfall'a-7{_ veWlna_ Ԁoglengd_ lnstma_ Ԁvegnakaupafasteignumogl;Wum  tilaWbta_ efnahagsstj;rnun_ ._ VerWtryggingarjfnuWur_ Ԁfjrmlastofnanahefurekkihvattlna a stofnanirtilaWstyWjaviW_ verWb;lgumarkmiW_ ԀSeWlabankansog_ peningastefnu_ Ԁstj;rnvalda. Y, Xann30.september2011var_ verWtryggingarjfnuWur_ ԀbankannaYriggjaum145milljarWarkr. $ eWa31%afeiginfYeirra.XettaYUWiraW1%verWb;lgaeykurhagnaWbankannaum1,5  milljarWkr._ :sttanlegt_ ԀeraWmikilvgir_ markaWsaWilar_ ԀhafiYannigbeinanhagnaWafverW   b;lgustaWYessaWstyWjaviW_ verWb;lgumarkmiW_ Ԁstj;rnvalda.Samrmdarreglurum_ h  X markshlutfall_ Ԁ_ veWlna_ Ԁog_ lnstma_ ԀstyWjaviWmarkmiWumbtta_ efnahagsstj;rnun_ Ԁogaukinn P #  fjrmlaleganstWugleika.BrUnteraWreglunumstekiWtillittilhrifa_ verWb;lguskota_ Ԁ    _ veWrUmi_ ԀfasteignameWverWtryggWlnogYannigdregiWrhvata_ lntakenda_ ԀtilaWtakaverW    tryggWln.TilhliWsj;nargtuveriWdnsklgum_ fasteignaln_ .     Um6.gr. G    0greininnierlagttilaWunniWverWifrumvarptillagaumstj;rnefnahagsmlasemfelim.a.   srmguleikafyrirstj;rnvldeneinnigfyrirSeWlabanka0slandstilaWnbetristj;rnefna   hagsmlum.HjSeWlabankanumhefurkomiWframaWhannYurfifleiristj;rntkien_ stUri {  vexti_ ԀtilaWgetanW_ verWb;lgumarkmiWum_ Ԁsnum.Betristj;rntkibankansyrWuhlutiaf sF bttri_ efnahagsstj;rnun_ ԀogstydduviW_ verWb;lgumarkmiW_ Ԁ_ peningastefnunnar_ .Xverlagttil > aWfjrmlaogefnahagsrWherravinnifrumvarpum_ Yj;WahagsvarWartki_ ԀsemlagtverWi   fyrirAlYingifyrir1.ma2013.    Um7.gr. j= w  LktogframarergetiWergertrWfyriraWlgintakitilneytendasamningasemhafaYegar 5 veriWgerWirverWifrumvarpiWaWlgum.