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Hlutfallfjrfestingabankastarfsemi.  nF   HraWneWanerreiknaWthlutfallfjrfestingabankastarfsemiannarsvegarmiWaWviW 9 eigniroghinsvegarmiWaWviWtekjurLandsbankanshf.,0slandsbankahf.,Arionbankahf.  ogMPbankahf.  Hlutfallafeignum. e=   EfnotasterviWvWariskilgreiningufjrfestingabankastarfsemiYteljasteftirtaldareignir 0 bankannatilfjrfestingabankastarfsemi:   @Gkm4o<=>?(.x0_ikmo"G "  G 0g2.3      Btlntillnastofnana.G 0g]g݌  Ќ  "G "  G g2.3      MarkaWsskuldabrfogskuldaviWurkenningar.G g$h݌ i Ќ  "G "  G h2.3      Hlutabrf(nnurend;tturflgoghlutdeildarflg).G hi݌ \4 Ќ  "G "  G ˹i2.3      AfleiWueignir.G ˹ii݌ ' Ќ  "G "  G wj2.3      Eignarhlutihlutdeildarflgum.G wjj݌  Ќ   _ikmo(%0x@Gkm4o<=>?f  Nmuframangreindareignir25%afeignumviWskiptabankannafjgurrarslok2013.  BtlntillnastofnanaeruofthlutiafviWskiptummilliYeirraoggtuYvfalliWundir `  viWskiptabankastarfsemi. S+!   HlutiskuldabrfaogskuldaviWurkenningaeigubankannatilheyrirfjrfestingab;k, " Y.e.a.s.bankinntlarsraWeigaeignirnaraWgjalddaga.SlkareignirgetaveriWhlutiaf # lausafjrstUringubanka.X.e.a.s.auWseljanlegareWaviWurkenndarsemtryggingendur  $ hverfumviWskiptumviWSeWlabanka0slands.ErYvhgtaWfrarkfyrirYvaWslkareignir !W% tilheyrihefWbundinniviWskiptabankastarfsemi. J""&   HlutifjrfestingahlutdeildarflgumerstarfsemisemerntengdviWskiptabanka #' starfsemi,t.d.kreditkortafyrirtkjum,ogmYvfrarkfyrirYvaWslkstarfsemitilheyri #( hefWbundinniviWskiptabankastarfsemi. $ )   Eftlntillnastofnanna,shlutieignirskuldabrfumogskuldaviWurkenningumsem v%N!* ekkifellurundirveltufjreignirogeignirgangvirWisamtYeimhlutabrfumsemeru A&"+ flgumsemtengjastviWskiptabankastarfsemieruundanskilinYfellurhlutfalleignabank  '", annasemtilheyrirfjrfestingabankastarfseminiWur14%. '#- _  (z$. Hlutfallaftekjum.  (   HgteraWflokkaeftirfarandi_tekjup;sta_Ԁbankatilfjrfestingabankastarfsemi:   @Gkm4o<=>?(.x0_ikmo"G "  G ˚s2.3      Vaxtatekjur.G ˚ss݌  Ќ   Jikm4o<=>?(Kxx@Gkm4o<=>?"i0J"  i0Jt 2K!3  Ԉ0    _MarkaWsskuldabrf_ԀflokkuWsemtlnogkrfur.i0Jtu݌a Ќ  "i0J"  i0Ju 2K!3  Ԉ0    Btlnogkrfurfjrmlafyrirtki.i0Juv݌T, Ќ   @Gkm4o<=>?(.xxJikm4o<=>?"G "  G bw2.3      HreinarYj;nustutekjur.G bww݌  Ќ   Jikm4o<=>?(Kxx@Gkm4o<=>?"i0J"  i0Jx 2K!3  Ԉ0    Fjrfestingabankastarfsemiog_markaWsviWskipti_.i0Jxx݌ Ќ  "i0J"  i0Jy 2K!3  Ԉ0    _EignastUring_.i0Jyy݌  Ќ   Jikm4o<=>?(KxxJikm4o<=>?"i0J"  i0JE{ 2K!3  Ԉ0    &  MillibankaviWskipti.i0JE{r{݌ X Ќ   Jikm4o<=>?(KxxJikm4o<=>?"i0J"  i0J| 2K!3  Ԉ0    ErlendviWskipti.' {i0J||݌K #  Ќ  ! ! @Gkm4o<=>?(.xxJikm4o<=>?"G "  G D~2.3      AWrartekjurG D~q~݌    Ќ   Jikm4o<=>?(Kxx@Gkm4o<=>?"i0J"  i0J 2K!3  Ԉ0    HreinnhagnaWuraffjreignumtilgreindumgangvirWi.i0J݌   Ќ   Jikm4o<=>?(KxxJikm4o<=>?"i0J"  i0J 2K!3  Ԉ0    HreinnhagnaWuraf_veltufjreignum_Ԁog_veltufjrskuldum_.i0J4݌  Ќ    EfmiWaWerviWframangreindaskiptinguYmyndarfjrfestingabankastarfsemi25%af wO  rekstrartekjumbanka. B   NiWurstaWa.      AWframansgWuerlj;staWhlutfallfjrfestingabankastarfsemiernokkuWbreiWubilisem {  fereftirYvhvaWaskilgreiningfjrfestingabankastarfsemiernotuWoghverskonarhlutfall nF ernotaW.MeWYaWhugamsegjaaWhlutfallhennarafbankastarfsemi0slandislklega 9 bilinu14%til25%.    FramangreindgreiningbyggirrsreikningumviWskiptabankannariW2013.Felurhn  srnokkra;nkvmniYarsemniWurbrotupplUsingaYeimmiWastekkiviWskiptingumilli r viWskiptabankaannarsvegarogfjrfestingarbankahinsvegar.EruYvmargirliWirsem e= tilheyrabWumflokkumsamtYvaWekkierfyrirhendialgildskilgreiningfjrfestinga 0 bankastarfsemi.ErYvtluverW;vissaframangreindumati.