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Framkvmdastj;riflagsinst;kallaralmennarkvarWanirvarWandilnveitingarflagsins.LnanefndkomaWstrrikvrWunumogstj;rnaWmeirihttarkvrWunumvarWandilnveitingar.  @a    @aA2n  6  .3  Ԉ0    HvemikiWhefurLandsbankinnlagtfyrirafskriftareikningvegnaLindarhf.oghve #A mikiWhefurhannYegarafskrifaW? @aA B݌$l B Ќ    BankinnhefurlagttilhliWarafskriftareikningbankansum217millj.kr.vegnaeignarleigusamningaLindar.AukYesshefurhannYegarendanlegaafskrifaWum490millj.kr.vegnaeignarleigusamningaflagsins.SamtalsnemaafskriftaframlgogafskriftirYvum707millj.kr.EkkiergertrWfyrirfrekariafskriftaframlgumvegnaYessamlsLandsbankanum.  _).%H &     @a    @a1E2n  7  .3  Ԉ0    GerWibankaeftirlitSeWlabanka0slandsathugasemdirviWreksturLindarhf.ogefsvo 1 er,hvenrogtilhvaWarWstafanavargripiW?'1E @a1E\E݌ Ќ    StarfsemieignarleigufyrirtkjafllfyrstundireftirlitbankaeftirlitsSeWlabanka0slandsmeWlgumnr.19/1989,umeignarleigustarfsemi,ennferumstarfsemiYeirrasamkvmtlgumnr.123/1993,umlnastofnaniraWrarenviWskiptabankaogsparisj;Wi.  Fyrstareglulegaathugunbankaeftirlitsinsh;fstmeWbrfisemsentvarflaginu,dags.20.jn1990.XeirriskoWunlaukdesemberYaWrogvarfyrirtkinusendskUrslameWhelstuniWurstWum.0skUrslunnikemurm.a.framaW;vissasumframtWfyrirtkisinsYarsemflagiWuppfylltiYekkiskilyrWilagaumeigiWf.FlagiWhafWiveriWrekiWsrstakriundanYguviWskiptarWuneytisinssamkvmtheimildkvWitilbrWabirgWalgumnr.19/1989.Sheimildrannt4.okt;ber1990,ogYarmeWstarfsleyfiflagsins,nYessaWbtthefWiveriWreiginfjrvntuninni.ViWskiptarWuneytiWtaldisigskortalagaheimildtilYessaWframlengjastarfsleyfiWtilrsloka1990,enumYaWhafWiflagiWs;tt.BankaeftirlitiWkrafWistj;rnendurYessumgreinargerWYarsemframkmitilhvaWarWstafanastj;rninhygWistgrpaafYessutilefni.0skUrslunniersWanvsaWtilsvarbrfsfrstj;rnarformanniLindarhf.YarsemframkemuraWtilgreinakomiaWleggjaflagiWniWureWasameinaYaWWrufyrirtki.0YvbrfikemureinnigframaWverWifyrirtkiWrekiWframsemsjlfstttflagmunieigendurYessaukaeigiWfYessYannigaWeiginfjrhlutfalliWni10%einsogYgildandilggerWurWfyrir.EigiWfflagsinsvarsWanaukiWum115millj.kr.lokdesember1990ogkomu80,5millj.kr.hlutLandsbankans.UppfylltiflagiWYarmeWlgmarkshlutfalleiginfjrsamkvmtlgumnr.19/1989ogstaWfestiviWskiptarWuneytiWframhaldiafYvaWstarfsleyfiflaginsvrigildi,meWbrfidags.23.janar1991.0skUrslunnigerWibankaeftirlitiWUmsarathugasemdirviWstarfsemiflagsins.MeWalannarsvararbankaeftirlitiWviWYeirrihttusemgeturskapastfyrireignarleigufyrirtkiefgerWireruleigusamningarummunisemfestireruviWfasteigneWaskip.  0janar1993sendibankaeftirlitSeWlabankansfrsraWraskUrsluframhaldiafathugunYessstarfsemiLindarhf.MiWaWistsathugunviWstWuefnahagsliWaogeinstakramla30.gst1992.0niWurstWumYeirrarskUrslukemurm.a.framaWbankaeftirlitiWtaldiaWmilliuppgjrifr30.gst1992vantium15!20millj.kr.afskriftaframlagvegnastWvaWrasamningaogaWbankaeftirlitiWtaldi;vstaW1%almennniWurfrslaaftistandandikrfumflagsinssamatmavringjanleg.BankaeftirlitiWtaldiennfremurhttuaWeiginfjrhlutfallfyrirtkisinsvriundirlgskyldum10%mrkum,eWabilinu9,4!9,6%.EftirlitiWlagWiYvhersluaWviWrsuppgjrfyrirriW1992vrifariWnkvmlegayfirstWustrstulnYegasj;WsinsogvanskilamlmeWhliWsj;naftapshttuogaWafskriftaYrfsmetinogtekiWtillittilhennarviWrsuppgjriW.Komilj;sviWYaWuppgjraWeiginfjrhlutfalliWsundirlgskyldummrkumverWiYegarstaWgripiWtilviWeigandirWstafana.0rslok1992eignaWistLandsbanki0slands99%hlutafjrLindhf.m;ti1%hlutafjreiguVeWdeildarbankans.  0gst1994sendibankaeftirlitiWafturfrsrskUrsluumathugunYessnokkrumYttumrekstriogefnahagLindarhf.SathugunmiWaWistviWstWuefnahagsliWaogeinstakramla30.aprl1994.0skUrslunnierm.a.bentaWfyrirsjanlegtsaWflagiWtapiverulegumfjrmunumrekstrarleigustarfsemimeWvinnuvlarsemflagiWh;friW1993.BankaeftirlitiWgerWieinnigathugasemdviWvaxtabindinguskuldafyrirtkisins,enlnsemhfWuveriWtekinYegarvaxtastigvarmjghttvorutilmunlengritmaensamsvarandieignarleigusamningar.XettataldibankaeftirlitiWgetahaftalvarleghrifafkomumguleikafyrirtkisinsframtWinni.MeginniWurstaWaskUrslunnarvarsaWraunverulegafskriftaYrfLindar31.desember1993hefWinumiW340millj.kr.enekki280millj.kr.einsogrsreikningurinnYaWrsUndi.BankaeftirlitiWgerWieinnigathugasemdviWframsetningursreikningsvegnarsins1993. v)E%/ XkomframskUrslunniaWbankaeftirlitiWtaldiYrfinaafskriftaframlgumskoWunardegiverasamtals400millj.kr.eWaum50!100millj.kr.hrrienYvarbiWaWleggjaafskriftareikningogaWhugsanlegavrihnennmeiri.BankaeftirlitiWf;rYvframYaWviWforrWamennLindarhf.aWYeirlegWuframendurskoWaWmilliuppgjr,samtgreinargerWYarsemframkmihvernigYeirformuWuaWtryggjaframhaldandistarfsemifyrirtkisins.Var;skaWeftirYvaWumbeWinggnbrustfyrirlokseptembermnaWar1994.  EndurskoWaWrshlutauppgjrfr31.gst1994barstbankaeftirlitinulokokt;ber1994samtgreinargerWlggiltsendurskoWanda.SamkvmtYvvartaptmabilsinsum62millj.kr.eftiraW46millj.kr.hfWuveriWlagWarafskriftareikningLindarhf.0uppgjrinuhafWiendurskoWandinngertrWfyrir200millj.kr.byrgWLandsbanka0slands,entilhennarkomekkivegnaYessaWkjlfarYessavarLindhf.sameinuWLandsbankanum,endauppfylltifyrirtkiWekkilengureiginfjrkvWilaga.FormlegriafgreiWsluviWskiptarWuneytisinsheimildtilsamrunaYessaratveggjaaWilalaukmeWbrfumrWuneytisinstilYeirra,dags.2.n;vember1994.SeWlabanka0slandsvartilkynntumafgreiWslurWuneytisinsmeWbrfi,dags.3.n;vember1994,enWurhafWiSeWlabankinnveittumsgnumsamrunannsamkvmtkvWumlagaumviWskiptabankaogsparisj;Wi,nr.43/1993,oglgumumlnastofnaniraWrarenviWskiptabankaogsparisj;Wi,nr.123/1993.GerWiSeWlabankinnekkiathugasemdirviWfyrirhugaWansamruna.WurhfWufariWframbrfaskiptimillibankaeftirlitsinsogLindarhf.ogstj;rnendaLandsbankansvegnaYeirrarstWusemflagiWvarYegarkomiW.  EftiraWLindhf.varlgWniWurogLandsbankinnyfirt;ktistandandieignarleigusamningahefurbankaeftirlitiWekkihaftfrekariafskiptiafYvsrstaklega.Frrslokum1994hefurstarfseminveriWrekinsemeindeildLandsbankanumogekkihafaveriWgerWirnUireignarleigusamningar.EftirlitbankaeftirlitsinsfrYeimtmahefurYvekkibeinstsrstaklegaaWLindhf.,enveriWliWuralmennueftirlitimeWLandsbanka0slands.NefnamYvsambandiaWlokrsins1995fkkbankaeftirlitiWsamkvmtbeiWnilj;sritafllumbrfumsemlggilturendurskoWandiLandsbankanssendibankanumrunum1994og1995semm.a.fjlluWusrstaklegaumYdeildsemsrumfyrrumeignarleigustarfsemiLindarhf.  AWsWustumnefnaaWrunum1992!95brustbankaeftirlitinufimmformlegarkvartanireinstaklingavegnaviWskiptaYeirraviWLindhf.VorugerWarathugasemdirviWstarfshttiflagsinstveimurYeirraogWrutilvikinutaldibankaeftirlitiWaWstarfshttirflagsinsvruandstWuviWmegintilganglagaumeignarleigustarfsemi,vinnubrgWvru;faglegogst;rlegamlisverW.0WrumtilvikumY;ttiekkistWatilathugasemda.  @a    @af2n  8  .3  Ԉ0    HvaWgerWibankarWogbankastj;rnLandsbanka0slandstilYessaWkomavegfyrir \+! hiWmiklatapLindarhf.? @afg݌'" Ќ    LandsbankinneignaWistfyrsthlutLindhf.viWkaupSamvinnubanka0slandshf.rinu1990ogt;kufulltrarbankansfyrststistj;rnflagsinsaprl1991.runum1991og1992fjallaWiYverandibankarWogbankastj;rnoftummlefniLindarhf.ogstefnubankanseignarleigustarfsemi.Vorum.a.teknarkvarWanirumaWaukaeigiWfflagsinstilaWuppfyllaeiginfjrkrfur,bankastj;riogaWstoWarbankastj;rart;kustistj;rnflagsinsogsettarvorureglurumtlnogtlnakvarWanir.EftiraWLandsbankinnvarWeinneigandiaWflaginun;vember1992varlnanefndLindarhf.styrktogaWalfundi1993varendurskoWandibankanskjrinnendurskoWandiLindarhf.FyrstuvsbendingarumalvarlegastWuflagsinskomameWskUrsluendurskoWendadesember1993.SamstundisvargripiWtilaWgerWatilaWforWaflaginufrrekstrarstWvunoggekkstLandsbankinnbyrgWvegnafyrirsjanlegratlnatapaLindarhf.JafnframtvarkveWiWaWaukaaWhaldmeWrekstrinumogaWlnanefndfriyfirallartlnakvarWanirframkvmdastj;ra.0kjlfarrshlutauppgjrs31.gst1994varkveWiWaWhttarekstriflagsinsogsameinaYaWLandsbankanum. v)E%/   EftiraWstarfsemiflagsinsvarhttogbankinnyfirt;keignarleigusamningahefurinnheimtaeignarleigusamningaveriWsamafarvegiognnurtlnaogafskriftamlbankanum.  @a    @an2n  9  .3  Ԉ0    HvaWvargertafhlfubankarWsLandsbankanstilaWleitaskUringatapiLindarhf.? @ann݌], Ќ    MikiWhefurveriWfjallaWummlefnifyrirtkisinsbankarWiLandsbankanstilaWleitaskUringatapibankansoghvernigtryggjamegiaWslktendurtakisigekkiframtWinni.  0janar1996varlgWfyrirbankarWtarleggreinargerWummliW,enYeirriskUrsluerleitastviWaWupplUsaogvarpalj;siYrkvarWanirogYatburWarssemleidditilhinsmiklatapsfyrirtkisins.0framhaldiafYvf;rbankarWLandsbanka0slandsYessleitviWRkisendurskoWunaWhnfriyfirggnmlsins.SrstaklegavarkannaWhvortstWurvrutilfrekariaWgerWasamkvmtlgumummeWferWopinberramla.RkisendurskoWunskilaWigreinargerWumYettaogfjallaWibankarWtarlegaumniWurstWurRkisendurskoWunaraukYesssemhnvarkynntviWskiptarWherra.NiWurstaWaumfjllunarbankarWsumgreinargerWRkisendurskoWunarvaraWekkivristWatilfrekariaWgerWaaWsvokomnumli.RkisendurskoWunvargerWgreinfyrirafstWubankarWs.NiWurstaWarkisendurskoWandalfyrirlokrs1996enYarkemurframaWframhaldiafkvrWunbankarWsogYeimupplUsingumsemkomiWhfWuframmuniRkisendurskoWunekkiaWhafastfrekarmliYessunematilkominUjarupplUsingar.  0september1996,framhaldiafumfjllunumYrgreinargerWirsemlagWarhfWuveriWfyrirbankarWLandsbankansvarWandimlefniogafdrifLindarhf.,kvaWbankarWLandsbanka0slandsaWfaraYessleitviWRkisendurskoWunaWhnframkvmdiathuguntlnareglumLandsbankansogupplUsingagjftilbankarWsumhelstuviWskiptavini,svoogaWRkisendurskoWunkannaWihvernigvristaWiWaWupplUsingagjftilbankarWsumaWraYttivarWandireksturogstj;rnunbankanssembankarWinuernauWsynlegtaWfupplUsingarumtilYessaWgetarktstj;rnunarogeftirlitsskyldusna.RkisendurskoWunfllstYessabeiWniogskilaWistofnuninbankarWitarlegrigreinargerWumYessimlaprl1997.  @a    @a3y++2n  10  .3  Ԉ0    HefureinhververiWltinnstabyrgWvegnaYessataps? @a3y^y݌e4 Ќ  L n!! 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