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" f  V.kaflilagannaerhefurfyrirsgnina LeiWbeiningar-ogupplUsingaskyldaogeftirlits { S# heimildir orWastsvosamtmillifyrirsgnum: F!$   a.  (37.gr.) "&   A.LeiWbeiningar-ogranns;knarskylda. #' LeiWbeiningarskylda. r$J (   TryggingastofnunrkisinsskalkynnasraWstWurumskjendaoggreiWsluYegaoggera =%!) YeimgreinfyrirrttiYeirrasamkvmtlgumYessumogWrumlgumerstofnuninstarfar &!* eftir,reglugerWumsettumgrundvellilagannaogstarfsreglumstofnunarinnar.ViWmeWferW &"+  mlsskulustaWaogrttindiumskjandaeWagreiWsluYegaskoWuWheildsttt.Stofnuninskal 'v#, _leiWbeinaumskjandaum&   rttarstWuhans,YauggnsemYurfaaWfylgjaums;knogum ( framhaldmlsins.'(\    NvarWarerindiekkistarfssviWstofnunarinnarogskalYaWYframsentrttanstaWsvo  flj;ttsemauWiWerogviWkomandileiWbeinteftirYvsemunnter. a   b.  (38.gr.)    Ranns;knarskylda.  <  TryggingastofnunskalsjtilYessaWmlsngjanlegaupplUstWurenkvrWunum   b;tarttertekin,YarmeWalaWllnauWsynlegggnogupplUsingarliggifyrir.  X   c.  (39.gr.)      B.UpplUsingaskyldaogeftirlitsheimildir.    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Xegarumhj;neraWrWaerTryggingastofnunheimilt,aWfengnuskriflegusamYykki i beggja,aWaflaupplUsingaumtekjurmakaoggreiWslurtilhanshjframangreindumaWilum \4 efYrgtuhafthriffjrhWb;ta.SamagildirumtekjursambUlisf;lkssemuppfyllirskil ' yrWifyrirsamskttunskv.3.mgr.62.gr.lagaumtekjuskatt.    Teljiumskjandi,greiWsluYegieWamakiupplUsingarfrYessumaWilumekkirttarskal  hannleggjaframggnYvtilstaWfestingar. `    e.  (41.gr.) "   SkorturupplUsingum. # #  EfekkireynistunntaWtakakvrWunumb;tartt,fjrhWoggreiWslub;taogendurskoW  $ unYeirravegnaskortsnauWsynlegumupplUsingumsemrekjamtilumskjanda,greiWslu !W% YegaeWamakahanserTryggingastofnunheimiltaWfrestakvrWunoggreiWslub;taYartil J""& rYverbtt.TryggingastofnunskaltafarlaustgeraviWkomandiviWvarteftilfrestunarkem #' ur,skorahannaWveitanauWsynlegarupplUsingaroggerahonumgreinfyrirafleiWingum #( YessefskorunumaWveitaupplUsingarerekkisinnt. $ )   v%N!*   & ,  f.  (42.gr.) 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XskuluTryggingastofnunogsjkratryggingastofnuninskiptastupplUsingumummat   rorkuogWrumupplUsingumaWYvmarkisemYrteljastnauWsynlegarviWframkvmd {  laganna. nF   h.  (44.gr.)    UpplUsingaskyldanendurgjalds.  /  UpplUsingarogggnsemTryggingastofnun;skareftirogunnteraWltatskuluveittar r nendurgjalds,sbr.Y;20.gr.lagaumYj;Wskrogalmannaskrningu,ogYvformisem e= ;skaWer,endaliggifyrirheimildumflunYessaraupplUsingasamkvmtkvWumYessa 0 kafla.    i.  (45.gr.) i   EftirlitogviWurlg. \4 H1  TryggingastofnunskalreglubundiWsannreynarttmtib;taoggreiWslnaogYeirraupplUs ' ingasemkvrWunumrttindibyggist.StofnuninnierheimiltYgueftirlitsaW;skaeftir  llumggnumsemtalinerunauWsynlegtilaWsannreynarttmtikvarWanaoggreiWslna.    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"   3.mgr.erefnislegasamhlj;WalokamlsliW5.mgr.52.gr.gildandilaga. # UmkliW. !W%   XarsemlgumalmannatryggingartakabWitillfeyristryggingaogslysatryggingaer J""& YesssrstaklegagetiWaWkvWiIV.kaflaeigi,eftirYvsemviW,viWumsjkratrygginga #' stofnuninavegnaframkvmdarslysatryggingakaflaalmannatryggingalaga. #(   Um3.gr. v%N!*   GerterrWfyriraWV.kaflilaganna,sbr.2.gr.,komistaW2.!5.mgr.52.gr.,3.mgr.53. A&"+ gr.og5.mgr.55.gr.laganna.  '",  '#-   Um4.gr. (   HrerulagWartilefnislegasmubreytingarhvaWvarWartreikningYtttkuheimilis  mannadvalar-oghjkrunarheimilumgreiWsludvalarkostnaWaroggerterrWfyrir1.gr.  frumvarpsinsvarWanditreikningb;talfeyristryggingaalmannatrygginga.Tekjursam a kvmtlgumummlefnialdraWraeruskilgreindar26.gr.laganna,enYarerm.a.kveWiW T, umhrifatvinnuteknaviWtreikningYtttkugreiWsludvalarkostnaWar.ErYvgertrW  fyrirsamskonarbreytingumoglagWarerutillgumumalmannatryggingarsemvarWa  hkkunfrtekjumarksvegnateknaafatvinnu.     Um5.gr. K #    kvWiWYarfnastekkiskUringa.     Fylgiskjal. wO   B AU?) dE?s A^B    B  FjrmlaogefnahagsrWuneyti,   skrifstofaopinberrafjrmla: {    Umsgnumfrumvarptillagaumbreytingulgumumalmannatryggingar, 9 nr.100/2007,oglgumummlefnialdraWra,nr.125/1999,meWsWaribreytingum  (frtekjumrk,tekjutengingarogeftirlitsheimildir).     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"   0frumvarpinuerfyrstalagilagttilaWfrtekjumarkellilfeyrisYegavegnaatvinnutekna # verWihkkaWr40.000kr.mnuWi(480.000kr.ri)109.600kr.mnuWi(1.315.200  $ kr.ri).GerterrWfyriraWsbreytingtakigildi1.jl2013ogertlaWaWtgjalda !W% aukningrkissj;Wsvegnahennarnemium300m.kr.rsgrundvellien150m.kr.rinu J""& 2013.FrtekjumarkvegnaatvinnuteknaellilfeyrisYegavarveittfyrstasinn1.janar2007 #' ognamY25.000kr.mnuWi(300.000kr.ri).Xann1.jlsamarvarkveWiWaWat #( vinnutekjurellilfeyrisYega70raogeldrimunduenginhrifhafatreikningtekjutengdra $ ) b;taalmannatrygginga.FrogmeW1.jl2008varsvofrtekjumarkiWhkkaWfyrirelli v%N!* lfeyrisYegaaldrinum67!69ra100.000kr.mnuWi(1.200.000kr.ri)enfrogmeW A&"+ 1.janar2009varkveWiWaWfrtekjumarkiWgiltieinnigfyrirellilfeyrisYega70raogeldri  '", ogvarYaWhkkaW109.600kr.mnuWi(1.315.200kr.ri).SemliWurYvaWaWlaga '#- rkisfjrmlingerbreyttumaWstWumeftirfallfjrmlakerfisinshaustiW2008varkveWiW ( aWeinshlfurisWaraWlkkafrtekjumarkiW40.000kr.mnuWi(480.000kr.ri)og  hefurYaWhaldist;breyttsWan.FrumvarpiWfelurYvsrafturkllunYessariaWhalds  rWstfunsemt;kgildiummittr2009enYhafWiYettahafrtekjumarkeinungisveriW a gildiumskammahrW.EfnislegaerlgWtilsamabreytinglgumummlefnialdraWraviW T, treikningYtttkugreiWsludvalarkostnaWaraldraWradvalar-oghjkrunarheimilum.TR  hefurekkilokiWmatiYvhverhrifYessarabreytingaverWaYtttkuheimilismanna  dvalar-oghjkrunarheimilumenekkiertaliWaWumharfjrhWirverWiumaWrWa.     0WrulagierlagttilaWlfeyrissj;WstekjurskerWiekkilengurgrunnlfeyrielli-ogrorku  X lfeyrisYega.GerterrWfyriraWbreytingintakigildi1.jl2013ogaWtgjaldaaukning K #  vegnahennarnemium1,4mia.kr.rsgrundvellienum700m.kr.rinu2013.0lj;sierf    iWrarstWurkissj;WsvargerWsbreytingb;tarttindumalmannatrygginga1.jl2009aW    lfeyrissj;WstekjurskylduskerWagrunnlfeyrielli-ogrorkulfeyrisYegaenframaWYeim   tmahfWueinungisatvinnu-ogfjrmagnstekjurskertgrunnlfeyrinn.Xessibreytingfelur wO  YvsrafturkllunYeirriaWhaldsrWstfunfrrinu2009. B    XeruYriWjalagilagWartilbreytingarUmsumkvWumervarWastarfsemiTR,svosem    leiWbeiningar-ogranns;knarskyldustofnunarinnaraukYesssemskerptereftirlitshlutverki   hennarogYaWlgfest.GildistakaYeirrakvWaer1.jl2013samkvmtfrumvarpinu.Eins {  ogframkemurgreinargerWfrumvarpsinsYerhrekkiumaWrWanUtthlutverkstofnunar nF innarheldurlgfestingueWlilegrieftirlitsstarfsemihennar.AfYeimskumerekkigertrW 9 fyriraWlgleiWingYessarakvWahafiteljandihriftgjldrkissj;WsheldurrWistYaW  fremurafstefnuogherslumvelferWarrWuneytisinshvaWvarWareftirlitmeWb;tasvikumog  YeimfjrmunumsemvariWverWurtilYessfjrlgum.0YessusambandierrttaWnefnaaW r tilefniafYessumformum,aukbendingaRkisendurskoWunarumaWeflaYurfieftirlit e= stofnunarinnarmeWb;tasvikum,hafakomiWframtillgurumtalsverWahkkunframlagatil 0 TRnstari.m;tiYeirritgjaldaaukninguergertrWfyriraWtgjldtiltekinnab;ta  flokkaalmannatryggingalkkiumjafnhafjrhWogtelstYaWverafremurvarfrintlun  stofnunarinnarYeimvinningisemkannaWnstmeWauknueftirliti.GangiYettaeftirmunu i nett;tgjldrkissj;WsYvekkiaukast. \4   0greinargerWfrumvarpsinservsaWtilYessaWmeWYvsveriWaWfylgjaeftirmarkmiWum ' stefnuyfirlUsingunverandirkisstj;rnarumaWafturkallaskerWingarfrtekjumarkivegna  atvinnuteknaogfjrmagnsteknaaldraWraogryrkjasemt;kugildiriW2009.FrumvarpiW  gengurhinsvegarlengrabreytingumenframkemurstefnuyfirlUsingunniYarsemeinnig `  erlagttilaWlfeyrissj;WstekjurskerWiekkilengurgrunnlfeyri.EinnigerrttaWtakafram S+! aWeinungisfrtekjumarkvegnaatvinnuteknaaldraWravarskertrinu2009enekkifrtekju " markfjrmagnstekna. #   0greinargerWmeWfrumvarpinuereinnigvikiWaWYvaWhafinsvinnaviWaWafnema  $ aWrarskerWingarb;tarttindumsemt;kugildiummittr2009.XarmeWalervsaWtil !W% tekjutengingartekjutryggingarenmeWbrWabirgWakvWirinu2009varhlutfallhennar J""& hkkaWr38,35%45%ogaW;breyttumlgumfellurYaWkvWiniWurrslok2013.Xess #' skalgetiWaWtekjutengingarhlutfalliWvarlengivel45%ogYaWvarekkifyrrenrunum #( 2007og2008semYaWvarlkkaW38,35%tveimurskrefum.VarYaWhlutiafauknum $ ) kjarab;tumtilelli-ogrorkulfeyrisYegaYeimtmasemreyndusthinsvegarekkivera v%N!* reistartraustumtekjugrunnieinsogsWarkomlj;s.0forsendumrkisfjrmlatlunarsem A&"+ stj;rnvldhafafylgtundanfarinrsamstarfstlunmeWAlYj;Wagjaldeyrissj;Wnumhefur  '", veriWgengiWtfrYvaWYessitekjutengingyrWiframlengdeWagerWvaranlegeWaaW_gerWar '#- vrujafngildarrWstafanir,endamundiafkomarkissj;WsannarsversnasemYessunmi. ( 0YessufrumvarpieruekkilagWartilslkarrWstafanirsemmunduafstUraYvaWYessibreyt  ingb;takerfinugangitilbakaentlaWeraWYaWhafifrmeWsraWtgjldrkissj;Ws  muniaukastumnlgt3mia.kr.rsgrundvelli.ViWmatformuWumbreytingumal a mannatryggingakerfinutengslumviWhorfurrkisfjrmlumYarfaWhafaYettasamhengi T, hugaogYarmeWaWYessitgjaldaaukningmunkomatilviWb;tarviWYauhrifsemleiWir  beintaffrumvarpinuYannigaWsamanlgWhkkunYessaralfeyrisgreiWslnaumnstura  m;tmunaW;breyttunemaallsum4,7mia.kr.     VarWandiformumafnmannarraskerWingasemt;kugildiummittr2009Yliggur  X ekkifyriraWhlfuvelferWarrWuneytisinsumhvaWarWstafanirYareraWrWanhvortslkar K #  tillgurgtutekiWtilYesshvernigYeimmlumverWiskipaWfjrlagafrumvarpifyrirriW    2014.XereinnigrttaWvekjaathygliYvaWlgumumalmannatryggingaroglgumum    flagslegaaWstoWerutvnnurbrWabirgWakvWisemaW;breyttufallargildirslok   2013.AnnarsvegarerumaWrWatmabundnahkkunfrtekjumarkiatvinnuteknavegna wO  rorkulfeyrisYegar27.400kr.mnuWi(328.800kr.ri)109.600mnuWi(1.315.200 B  ri),enYarvartekiWmiWafYvfrtekjumarkifyrirellilfeyrisYegasemlagtertilaWverWi    endurvakiWYessufrumvarpi.HinsvegarerbrWabirgWakvWiumaWgreiWslurrorku   lfeyris,rorkustyrks,aldurstengdrarrorkuuppb;tarogtekjutryggingarlkkiekkitma {  bilinu1.janar2011tilogmeW31.desember2013vegnaalmennrahkkanarorkulfeyri nF rlfeyrissj;Wum.ViWvinnsluumsagnarinnarvarleitaWeftirformumafhlfuvelferWar 9 rWuneytisinsvarWandiYessikvWisemfallaaW;breytturgildiumnsturam;tenaf  staWatilYessliggurekkifyrir.XverhrgertrWfyrirYvYessariumsgn,lktogmiWaW  hefurveriWviWtlunumrkisfjrmlin,aWYessikvWiverWiframlengdoghafiYvekki r hriftgjldrkissj;Ws.Lj;steraWhafaverWurfyrirvaraYessumforsendumtgjalda e= matsinssemogYvaWboWuWafturkllunfleiriaWhaldsrWstfunumYessummlaflokki 0 kunniaWleiWatilYessaWafkomarkisfjrmlaversniennfrekar.    VegnaYeirraformuWubreytingasemlagWarerutilb;tarttindumelli-ogrorku  lfeyrisYegafrumvarpinuerstWatilaWrifjauppaWrinu2008varhrintframkvmd i miklumbreytingumalmannatryggingakerfinumeWYaWfyriraugumaWbtakjraldraWra \4 ogryrkja.Xrhkkanirb;tarttindumkostuWurkissj;WverulegafjrmuniogvarYeim ' ekkimttmeWsrstakritekjuflun.ViWendurmatstWurkisfjrmlakjlfarhrunsbanka  kerfisinsokt;ber2008varWlj;staWforsendurfyrirYessumkjarab;tumogmargvslegum  WrumnUjumogauknumverkefnumvorubrostnar.:hjkvmilegtvartaliWaWstgaskref `  tilbakaviWYrgjrbreyttuaWstWursemviWblstuoggrpatilnauWsynlegraaWhalds S+! rWstafana,Y.m.t.gagnvarttgjldumvegnaelli-ogrorkulfeyrisYega,endaerutilfrslu " framlglfeyristryggingaogflagslegrab;tamjgveigamikillYtturtgjldumrkissj;Ws, # eWaallsnlgt75mia.kr.ri.XraWhaldsrWstafanirsemrWistvarriW2009voruYttur  $ tlunYverandistj;rnvaldaumaWnjfnuWirkisfjrmlummeWYaWaWmarkmiWiaW !W% dragarskulda-ogvaxtabyrWirkissj;Ws.XrttfyriraWeinstakaraWhaldsrWstafanirhafi J""& veriWlgfestartmabundiWYvarlj;staWtakaYurftiviWvarandivandaafkomurkissj;Ws #' meWvaranlegumhtti.XvhefurveriWgertrWfyrirYvrkisfjrmlatlunstj;rnvaldatil #( YessaaWumvaranlegaraWhaldsrWstafanirhafiveriWaWrWaeWaaWgripiWyrWitilannarra $ ) sambrilegraaWgerWastaWinn.Engarslkarm;tvgisrWstafanirerulagWartilYessufrum v%N!* varpiogekkihfWuheldurkomiWframslkartlanirafhlfufyrrirkisstj;rnar. 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