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"'   _Tilefnismynt_ԀsemSeWlabankinngefurtskalvera_lgeyrir_ԀtilallragreiWslnameWfullu #( _kvWisverWi_.SeWlabankanumerheimiltaWkveWaaW_tilefnismynt_ԀsseldmeWlagi $] ) _kvWisverW_Ԁhennar.g;Waafslu_tilefnismyntar_ԀskalvariWtillista,menningareWavsinda P%(!* samkvmtkvrWunforstisrWherra. &!+   ForstisrWherrakveWuraWfengnumtillgumSeWlabankanslgun,tlitogfjrhWseWla &", Yeirraog_myntar_ԀsembankinngefurtoglturbirtaauglUsinguumYaWefni. '#-  |(T$.R 9 y_   _  III.KAFLI (  InnlendviWskipti.   6.gr.      SeWlabanki0slandstekurviW_innlnum_Ԁfr_innlnsstofnunum_ԀentilYeirrateljast_viWskipta a bankar_,_sparisj;Wir_,tiberlendra_innlnsstofnana_ԀogaWrarstofnanirogflgsemheimilt T, erlgumsamkvmtaWtakaviW_innlnum_Ԁfralmenningitilgeymsluogvxtunar.Honum  ereinnigheimiltaWtakaviW_innlnum_ԀfrWrumlnastofnunumogfyrirtkjumverWbrfa  Yj;nustu.     SeWlabankinnseturnnarireglurumviWskiptisnsamkvmtYessarigrein,YarmeWal  X hvaWalnastofnunumWrumen_innlnsstofnunum_ԀerheimiltaWeigainnstWurbankanum. K #    7.gr.        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B    SeWlabankinnskalverarkisstj;rntilrWuneytisumalltsemvarWar_gjaldeyrisml_,Yar    meWalerlendarlntkur,ogtakaaWsrframkvmdYeimefnumeftirYvsemumverWur   samiW. {    15.gr. 9     Stj;rnvldveitaSeWlabanka0slandsYrupplUsingarumefnahagsmlalmenntogum  _rkisfjrml_,lntkurog_greiWslutlanir_Ԁrkissj;WssemnauWsynlegarerufyrirstarfsemi  bankans. r   16.gr. 0     SeWlabanka0slandser;heimiltaWveitarkissj;Wi,sveitarflgumog_rkisstofnunum_ԀWr  umenlnastofnunumln.    VerWbrf,semskrWeruopinberrikauphlloggefinerutafYeimaWilumsemumrWir i 1.mgr.ogSeWlabankinnkaupir_verWbrfamarkaWi_ԀeWaaflnastofnunumtilaWnmark \4 miWumsnumpeningamlum,skuluekkiteljastlnsamkvmtkvWumYessarargreinar. '   17.gr.      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'#-   AWfengnusamYykkiforstisrWherrakveWurSeWlabankinnhvaWa&   stefnaskuligildaum ( kvrWunverWgildislenskukr;nunnargagnvarterlendum_gjaldmiWlum_.'(<    SeWlabankinnseturreglurumstarfsemiskipulegra_gjaldeyrismarkaWa_ԀeftirYvsemkveWiW  erumlgumum_gjaldeyrisml_.XegarsrstaklegastendurgeturSeWlabankinntmabund a iWtakmarkaWeWastWvaWviWskiptiskipulegum_gjaldeyrismrkuWum_. T,   19.gr.      Hvernvirkandagsem_skipulegir_Ԁ_gjaldeyrismarkaWir_ԀerualmenntstarfandiskalSeWlabanki   0slandsskrgengikr;nunnargagnvarthelstu_gjaldmiWlum_.XaWgengiskalnotaWtilviWmiW  X unaropinberumsamningum,_d;msmlum_ԀogWrumsamningummilliaWilaYegarnnur K #  _gengisviWmiWun_Ԁerekkisrstaklegatiltekin.EnnfremurgeturSeWlabankinnkveWiWaWskr    gengikr;nunnarYeimdgumsem_skipulegir_Ԁ_gjaldeyrismarkaWir_Ԁerualmenntekkistarfandi.    XegarsrstaklegastendurgeturSeWlabankinntmabundiWfelltniWurskrningugengi   kr;nunnar. wO    20.gr.        SeWlabanki0slandsvarWveitir_gjaldeyrisvarasj;W_ԀsamrmiviWmarkmiWoghlutverk   bankans._Bankastj;rn_ԀseturstarfsreglurumvarWveislu_gjaldeyrisvarasj;Wsins_ԀsembankarW {  staWfestir,sbr.28.gr. nF   SeWlabankanumerheimiltaWtakalntilaWefla_gjaldeyrisvarasj;Winn_.Honumerjafn 9 framtheimiltaWtakaYttsamstarfierlendraseWlabankaogalYj;WlegrabankaeWafjrmla  stofnanaumlnveitingartilaWefla_gjaldeyrisvarasj;W_ԀYtttakenda.    21.gr. e=     SeWlabanki0slandsannastsamskiptiogviWskiptiviWalYj;WlegarstofnanirstarfssviWi 0 snuumboWirkisstj;rnarinnareWaeftirYvsemhonumerfaliWmeWlgum.    SeWlabankinnfermeWfjrhagslegtengslviW_AlYj;Wagjaldeyrissj;Winn_Ԁfyrirhndrkisins.  ForstisrWherraskipareinnmannogannantilvaratilfimmrasenntilYessaWtakasti i _sj;WsrWi_Ԁ_AlYj;Wagjaldeyrissj;Wsins_. \4   SeWlabankanumerjafnframtheimiltaWeigaaWildaWWrumalYj;Wlegumstofnunum,enda ' samrUmistYaWhlutverkihanssemseWlabanka.    V.KAFLI `   Stj;rnskipulag. S+!  22.gr. 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K #      FormaWur_bankastj;rnar_ԀSeWlabanka0slandsertalsmaWurbankansogkemurframfyrir    hnd_bankastj;rnar_._Bankastj;rn_ԀskiptiraWWruleytimeWsrverkum,sbr.kvWi1.mgr.    23.gr.,_Y.m.t._ԀhverskuliverastaWgengillformanns_bankastj;rnar_Ԁfjarveruhans.     FormaWur_bankastj;rnar_ԀSeWlabankanskallar_bankastj;rn_Ԁsamantilfundar.valltskal wO  boWaWtilfundarYegarannarhinna_bankastj;ranna_Ԁ;skar.Fundurinner_lyktunarhfur_Ԁef B  meirihluti_bankastj;rnar_Ԁsiturhann.AflatkvWarWurrslitumviWafgreiWslumla.Falli    atkvWijafntrWuratkvWiformanns_bankastj;rnar_.     kvarWanir_bankastj;rnar_ԀskuluskrWarog_ritaWar_Ԁaf_bankastj;rn_._Bankastj;rn_Ԁsetur {  starfsreglursembankarWstaWfestirumundirbning,rkstuWningogkynningukvarWana nF sinnapeningamlum.OpinberlegaskalgerWgreinfyrirkvrWunum_bankastj;rnar_Ԁpen 9 ingamlumogforsendumYeirra.    25.gr. r     Bankastj;rumSeWlabanka0slandser;heimiltaWsitjastj;rnumstofnanaogatvinnufyrir e= tkjautanbankanseWatakaYttatvinnurekstriaWWruleytinemaslktsboWiWlgum 0 eWaumsaWrWastofnuneWaatvinnufyrirtkisembankinnaWildaW.Rsigreiningurum  kvWiYessarargreinargagnvartbankastj;rumskalrWherraskerar.MeWsamYykki_banka  rWs_Ԁsetur_bankastj;rn_ԀreglurumYtttkuannarrastarfsmannastj;rnumstofnanaogat i vinnufyrirtkjautanbankans,sbr.28.gr. \4   26.gr.      Kj;saskalbankarWSeWlabanka0slandsaWloknumkosningumtilAlYingis.BankarW  skipasjfulltrarkjrnirhlutbundinnikosninguafAlYingisamtjafnmrgumtilvara.Eigi `  mkj;sastj;rnendureWastarfsmenn_lnastofnana_ԀeWaannarrafjrmlastofnanasemeiga S+! viWskiptiviWbankanntilsetu_bankarWi_.UmboW_bankarWs_ԀgildirYartilnUttbankarWhefur " veriWkjriW.Lti_bankarWsmaWur_ԀafstrfumtekurvaramaWurstihansYartilAlYingihefur # kosiWnUjan_aWalmann_Ԁtillokakjrtmabils_bankarWsins_.  $   &  BankarWvelurformannogvaraformannreiginrWum.RWherrakveWurY;knun !W% _banka  rWs_ԀsemgreidderafSeWlabankanum.'!c J""&   27.gr. #(     FormaWur_bankarWs_ԀSeWlabanka0slandskallarbankarWsamantilfundar.tWskalY; $ ) halda_bankarWsfund_ԀYegar_bankarWsmaWur_ԀskirYess.Fundur_bankarWs_Ԁer_lyktunarhfur_ v%N!* efmeirihluti_bankarWs_Ԁsiturfund.AflatkvWarWurrslitumviWafgreiWslumla.Falliat A&"+ kvWijafntrWuratkvWiformanns.fundum_bankarWs_Ԁskalhalda_gerWab;k_.  '",   Bankastj;rarsitjafundi_bankarWs_ԀogtakaYttumrWum.XeirskuluY;vkjaaffundi '#- efbankarWkveWur. (z$. Ї  28.&  gr. (     BankarWhefur'(?heftirlitmeWYvaWSeWlabanki0slandsstarfisamrmiviWlgsemum  starfseminagilda._Bankastj;rn_ԀskaljafnanupplUsabankarWumhelstuYttistefnubankans  ogumreglursemhannsetur.AWWruleytiskalbankarWsrstaklegasinnaeftirtldumverk a efnum: T,  (g00_ikmo"i0J"  i0Jj2g  a  .3  Ԉ0    StaWfestatillgur_bankastj;rnar_Ԁum_hfuWYtti_Ԁstj;rnskipulagibankans.i0Jjj݌ Ќ  "i0J"  i0J6l2g  b  .3  Ԉ0    kveWalaunognnurstarfskjrbankastj;ra,_Y.m.t._Ԁrtttil_biWlauna_Ԁogeftirlaunaog  nnuratriWisemvarWafjrhagslegahagsmuniYeirra.i0J6lcl݌  Ќ  "i0J"  i0J n2g  c  .3  Ԉ0    Hafaumsj;nmeWinnriendurskoWunviWbankannogrWa_aWalendurskoWanda_.i0J n7n݌ X Ќ  "i0J"  i0Jco2g  d  .3  Ԉ0    StaWfestastarfsreglursem_bankastj;rn_Ԁseturumundirbning,rkstuWningogkynningu K #  kvarWanapeningamlum,sbr.24.gr.i0Jcoo݌   Ќ  "i0J"  i0Jp2g  e  .3  Ԉ0    StaWfestareglursem_bankastj;rn_ԀseturumumboWstarfsmannabankanstilYessaWskuld    bindabankann,sbr.23.gr.i0Jp(q݌  Ќ  "i0J"  i0Jr2g  f  .3  Ԉ0    StaWfestakjarasamningaviWstarfsmennbankans,fjallaumreglurumlfeyrissj;WYeirra wO  ogstaWfestaskipunfulltrastj;rnhansYegarsvoberundir.i0Jrr݌B  Ќ  "i0J"  i0J+t2g  g  .3  Ԉ0    StaWfestatillguSeWlabankanstilforstisrWherraumreglurumreikningsskilog_rs    reikning_Ԁbankans,sbr.32.gr.i0J+tXt݌  Ќ  "i0J"  i0Ju2g  h  .3  Ԉ0    VeitaforstisrWherraumsgnumreglugerWumframkvmdeinstakraYttalagaYess {  araYegarsvoberundir,sbr.39.gr.i0Juu݌nF Ќ  "i0J"  i0J1w2g  i  .3  Ԉ0    StaWfesta_rsreikning_Ԁbankans,sbr.32.gr.i0J1w^w݌9 Ќ  "i0J "  i0J[x2g  j  .3  Ԉ0    StaWfestatlunumrekstrarkostnaWbankanssem_bankastj;rn_Ԁleggurframupphafi  hvers_starfsrs_.i0J[xx݌ Ќ  "i0J "  i0Jy2g  k  .3  Ԉ0    HafaeftirlitmeWeignumogrekstribankansogstaWfestakvarWanirummeirihttarfjr r festingar.i0Jy#z݌e= Ќ  "i0J "  i0JT{2g  l  .3  Ԉ0    StaWfestareglursem_bankastj;rn_ԀseturumviWurlgformi_dagsekta_,sbr.37.gr.i0JT{{݌0 Ќ  "i0J "  i0J|ZZ2g  m  .3  Ԉ0    StaWfestareglursem_bankastj;rn_Ԁseturumheimildstarfsmannabankanstilsetustj;rn  umstofnanaogatvinnufyrirtkjautanbankans,sbr.25.gr.i0J||݌ Ќ  "i0J "  i0Jw~2g  n  .3  Ԉ0    StaWfestastarfsreglursem_bankastj;rn_ԀseturumvarWveislu_gjaldeyrisforWans_,sbr.20.gr.i0Jw~~݌i Ќ    _VI_.KAFLI '  flunupplUsinga,ranns;knirog_skUrslugerW_.   29.gr.      TilYessaWsinnahlutverkisnuskv.3.og4.gr.geturSeWlabanki0slandsmilliliWalaustafl `  aWupplUsingafrYeimsemeruviWskiptumviWbankannskv.6.gr.,sbr.7.gr.,aukfyrir S+! tkja&  greiWslumiWlunogannarrafyrirtkjaeWaaWilasemltaopinberueftirlitimeWstarf " semisinni,sbr.lgumopinberteftirlitmeWfjrmlastarfsemi.' #   SkyltskalllumaWltaSeWlabankanumtYrupplUsingarsemhannYarfaWhaldatil  $ _hagskUrslugerWar_ԀaWviWlgWumviWurlgumskv.37.gr. !W%   30.gr. #'     SeWlabanki0slandsgerirskUrslurogtlanirum_peningaml_,_greiWslujfnuW_,gengisog #( _gjaldeyrisml_ԀogannaWsemhlutverkogstefnubankansvarWar.SeWlabankinnskaleigi $ ) sjaldnarenrsfj;rWungslegageraopinberlegagreinfyrirstefnusinnipeningamlumogfyrir v%N!* Yr;un_peningamla_,gengisog_gjaldeyrismla_ԀogaWgerWumsnumYeimsviWum.Xskal A&"+ SeWlabankinngefatrsskUrsluYarsemhanngerirtarlegagreinfyrirstarfsemisinni.  '",   '#-   31.&   gr. (     SeWlabanki'([0slandsstundar_hagranns;knir_ԀsemltaaWviWfangsefnumbankanssviWi_pen  ingamla_Ԁog_fjrmlakerfis_.JafnframterbankanumheimiltaWstuWlaaWranns;knumannarra  YessumsviWum. a   _VII_.KAFLI   ReikningsskilogrWstfun_hagnaWar_.   32.gr.       _Reikningsr_ԀSeWlabanka0slandser_almanaksriW_.Fyrirhvert_reikningsr_Ԁskalgera_rs  X reikning_ԀogskalgerWhanslokiWinnanYriggjamnaWafrlokum_reikningsrs_.UmgerW_rs K #  reiknings_Ԁfereftirlgum,reglumogg;Wri_reikningsskilavenju_.      ForstisrWherraseturnnarireglurumreikningsskilog_rsreikning_ԀaWfengnumtillgum    SeWlabankans,sbr.28.gr.     33.gr. B      InnriendurskoWunSeWlabanka0slandserhndum_aWalendurskoWanda_,sbr.28.gr.Auk    YessskalRkisendurskoWunannastendurskoWunhjSeWlabankanum.     AWlokinniendurskoWun_rsreikningi_ԀbankansskalhannundirritaWuraf_bankastj;rn_Ԁog {  staWfesturaf_bankarWi_,sbr.28.gr.Hafi_bankarWsmaWur_ԀframaWfraathugasemdirviW_rs nF reikning_ԀskalhannundirritaWurmeWfyrirvaraogkomaskalframhverseWlis_fyrirvarinn_ԁer. 9   EndurskoWaWurreikningurskallagWurfyrirforstisrWherratil_ritunar_ԀeigisWarenYrem  urmnuWumeftirlok_reikningsrs_.    _rsreikning_ԀSeWlabankansskalbirtarsskUrslubankans,sbr.30.gr.Ennfremurskal r bankinnbirta_mnaWarlegt_Ԁ_efnahagsyfirlit_. e=   34.gr.      rlegaskalfjrhWsemsvarartiltveggjaYriWjuhluta_hagnaWar_ԀSeWlabanka0slands  liWnu_reikningsri_Ԁgreiddrkissj;W.GreiWslaferframeigisWaren1.jnrhvert. i   XrttfyrirkvWi1.mgr.skalSeWlabankinnaWeinsgreiWaYriWjung_hagnaWar_Ԁsnsrkis \4 sj;WefeigiWfbankanslok_reikningsrs_ԀsvararekkiaWlgmarkitil2,25%affjrhW_tlna_ ' oginnlendrar_verWbrfaeignar_Ԁ_lnakerfisins_Ԁlok_reikningsrsins_Ԁundan.    & , _VIII_.KAFLI `   TmiskvWi. S+!  35.gr. "     _BankarWsmenn_,bankastj;rarogaWrirstarfsmennSeWlabanka0slandserubundnir',ԀYagnar # skylduumalltYaWsemvarWarhagiviWskiptamannabankansogmlefnibankanssjlfs,svo  $ ogumnnuratriWisemYeirfvitneskjuumstarfisnuogleyntskulufarasamkvmtlgum !W% eWaeWlimls,nemad;marirskurWiaWupplUsingarsskyltaWveitafyrird;mieWatillg J""& reglueWaskyltsaWveitaupplUsingarlgumsamkvmt._Xagnarskyldan_ԀhelstY;ttltiWs #' afstarfi. #(   _BankarWsmnnum_,bankastj;rumogWrumstarfsmnnumSeWlabankanser;heimiltaW $ ) nUtasr_trnaWarupplUsingar_,semYeirkomastyfirvegnastarfssnsbankanum,Yeimtil v%N!* gangiaWhagnasteWaforWastfjrhagslegttj;nviWskiptum. A&"+   XrttfyrirkvWi1.mgr.erSeWlabankanumheimiltaWeigagagnkvm_upplUsingaskipti_  '", viWopinberaaWilaerlendisumatriWisemlgYessitakatilaWYvtilskilduaWs,sem;skar '#- upplUsinga,shWursamsvarandiYagnarskyldu. (z$.   SeWlabanki0slandsskalveita_Fjrmlaeftirlitinu_ԀallarupplUsingarsembankinnbUryfir ( ognUtastkunnastarfsemi_Fjrmlaeftirlitsins_.UpplUsingarsemveittarerusamkvmtYess  arigreineruhWarYagnarskyldusamkvmtlgumYessumoglgumumopinberteftirlitmeW  fjrmlastarfsemi.SeWlabankinnog_FjrmlaeftirlitiW_ԀskulugerameWsr_samstarfssamning_ a Yarsemm.a.erkveWiWnnarumsamskiptistofnananna. T,   36.gr.      SeWlabanki0slandserundanYeginn_tekju_Ԅog_eignarskatti_Ԁsamkvmtlgumum_tekju_Ԅog   _eignarskatt_ԀeinsogYaueruhverjumtma.  X   Hverskonarskuldbindingar,semgefnarerutafbankanumognafnihans,svoogskuld K #  bindingarsemveitabankanum_handveWsrtt_,_arWmiWar_Ԁafskuldabrfumbankansog_framsl_    YeirraskuluundanYegin_stimpilgjaldi_.      37.gr. wO      FyrirbrotlgumYessumskalrefsameWsektumeWafangelsiliggiekkiYyngrirefsing B  viWbrotisamkvmtWrumlgum.TilraunoghlutdeildbrotumlgumYessumer_refsiverW_    eftirYvsemsegiralmennum_hegningarlgum_.     SeWlabanka0slandserheimiltaWbeitalnastofnanirviWurlgumformi_dagsekta_Ԁsem {  kveWnarerusamkvmtreglumsemsettareruaf_bankastj;rn_ԀmeWsamYykki_bankarWs_,sbr. nF 28.gr.,_hlti_ԀYrekkireglumbankansum_bindiskyldu_,laustfog_gjaldeyrisjfnuW_._Dagsektir_ 9 semkveWnarerusamkvmtYessarigreinminnheimtameWaWfraWlgum.Reglurum  viWurlgskulukynntar_Fjrmlaeftirlitinu_,lnastofnunumogWrum_fjrmlastofnunum_.  kvrWunumaWbeita_dagsektum_ԀmkratilrWherra.SvanrkslatrekuWerbankanum r heimiltaWhfWusamrWiviW_FjrmlaeftirlitiW_ԀaWleggjatilviWviWskiptarWherraaWviWkom e= andistofnunverWisviptstarfsleyfi.InnheimtviWurlgsamkvmtYessarigreinskulurenna 0 aWhlutumtilrkissj;WsogskuluYaugreidd1.jnrhvertfyrir_nstliWiW_Ԁr.    SeWlabankanumerheimiltaWbeitaYaWilaviWurlgumformi_dagsekta_Ԁsemvanrkja  aWveitabankanumupplUsingar,semhannrttsamkvmtlgumYessum,eWaveitabank i anumvsvitandirangarupplUsingar._Bankastj;rn_ԀseturreglurumYessiviWurlgsemskulu \4 staWfestaraf_bankarWi_. '   38.gr.      SeWlabanka0slandserheimiltaWsetjareglurumviWfangsefnisnsamkvmtlgumYess `  umeftirYvsemstWaverWurtalintil.SeWlabankinnbirtirreglursemhannsetursamkvmt S+! lgumYessumYannigaWYrsuaWgengilegaralmenningi. "   _IX_.KAFLI  $  _Gildistaka_Ԁ_o.fl_. !W%  39.gr. J""&     ForstisrWherragetur,aWfengnuliti_bankarWs_,settmeWreglugerWnnarikvWium #' framkvmdeinstakrakvWalagaYessara. #(   40.gr. v%N!*     LgYessiWlastgildinYegar.UmleiWfallargildilgnr.36/1986,umSeWlabanka0s A&"+ lands,meW_orWnum_Ԁbreytingum.kvWi5.gr.laganr.54/1974umYtttkuSeWlabanka0s  '", landsgreiWslukostnaWarafstarfsemiXj;Whagsstofnunarfellurrgildi1.janar2002. '#-  (z$.   kvWitilbrWabirgWa. ( I.      ViWgildistkulagaYessarakUsAlYingisjfulltrabankarWSeWlabanka0slandsogjafn  margatilvara.FrsamatmafellurniWurumboWYeirraerYsitja_bankarWinu_. a    II.      Bankastj;rarSeWlabanka0slandsviWgildistkulagaYessarahaldastrfumsnumtilloka  _skipunartma_Ԁsns.kvWi2.mgr.23.gr.umskipunbankastj;ragildirfrogmeWfyrstu   skipunembttibankastj;raeftirgildistkulaganna.ViWgildistkulagannaskiparforstis  X rWherraformann_bankastj;rnar_ԀrrWumbankastj;ratilsamatmaogskipunhansembtti K #  bankastj;ravarir.    @ #dggAthugasemdirviWlagafrumvarpYetta.#ggdlԈ     0desember2000skipaWiforstisrWherranefndtilYessaWsemjafrumvarptillagaum wO  SeWlabanka0slands.0nefndinnittusti:lafurDavWsson,rWuneytisstj;ri_forstisrWu B  neyti_,formaWur,J;nSigurWssonrekstrarhagfrWingur,SighvaturBjrgvinssonalYingismaW    ur,semskipaWurvarframkvmdastj;ri_Xr;unarsamvinnustofnunar_Ԁ0slandsmeWannefndin   starfaWi,SteingrmurJ.SigfssonalYingismaWurogVilhjlmurEgilssonalYingismaWur.Rit {  arinefndarinnarvarSkarphWinn_Steinarsson_Ԁ_forstisrWuneyti_.IngimundurFriWriksson, nF _aWstoWarbankastj;ri_ԀSeWlabanka0slands,starfaWimeWnefndinni.0erindisbrfinefndarinnar 9 sagWim.a.aWngildandilgumbankannvruaWstofnitilfrrinu1986.FrYeimtma  hefWuorWiWmiklarbreytingarslenskumogalYj;Wlegum_fjrmlamarkaWi_.XvvrinauW  synlegtaWlagalggjfumSeWlabankannaWYessumbreyttuaWstWum.0Yvsemhrfylgir r ergreintfrYeim_meginsj;narmiWum_ԀumeinfldunmarkmiWa,sjlfstWitilaWbeita_stj;rn e= tkjum_Ԁogumgagnsiogreikningsskilgagnvartstj;rnvldumogalmenningisemhfWvoru 0 aWleiWarlj;siviWsamningufrumvarpsins.NefndinttiYesskostaWkynnasrUmislegtefni  umYr;unYessaraYttaWrumlndumauklggjafarseWlabankaUmissalanda.    MeWfrumvarpinuerulagWartilbreytingarstarfsemiSeWlabanka0slandssemmunuleiWa i tilaWbankinnverWisjlfstWarienWuroggetiYannigbetursinntstj;rnun_peningamla_. \4 MeWauknusjlfstWiseWlabankaer&  YeimgertkleiftaWvinnameWmarkvissarihttiaWYv ' hlutverkisnu.''-    HelstubreytingarsemfrumvarpiWgerirrWfyrireruaWstarfsemiSeWlabanka0slandsverWi  settskUrtmarkmiWumaWtryggjastWugtverWlag.RWherrakomiaWYvaWskilgreinaYaW `  markmiWenbankinnhafifulltsjlfstWikvrWunumumhvernigmarkmiWinuverWinW S+! meWbeitinguYeirra_stj;rntkja_ԀsemhannbUryfir.Rkisstj;rninmuneftirsemWurkveWa " _gengisstefnuna_,Y;samrmiviWmeginmarkmiWlagannaumstWugtverWlag.FrumvarpiW # gerirrWfyriraWYrrbankastj;rarsitji_bankastj;rn_ԀSeWlabankansogaW_kvrWunarvald_Ԁ  $ peningamlumverWihndum_bankastj;rnar_._Bankastj;rn_ԀmuneintakakvrWunumbeit !W% ingu_stj;rntkja_ԀbankansstaWYessaWeigaumYaWsamrWviWrWherra.Xer_skipunartmi_ J""& bankastj;ralengdurrfimmrumsjenfjldi_skipunartmabila_ԀtakmarkaWurogrWherra #' skiparbankastj;raogformann_bankastj;rnar_Ԁsrstaklega.EinnigerkveWiWumfjlgun #( _bankarWi_ԀogaWYaWkj;sisrsjlftformannreiginrWum.HlutverkYesserlkaefltnokk $ ) uW.Rkissj;WiverWur;heimiltaWtakalnhjbankanum.XerfrumvarpinukveWiWum v%N!* aW_bankastj;rn_Ԁsetjistarfsreglurumundirbning,rkstuWningogkynningukvarWanasinna A&"+ peningamlumogaWopinberlegaskuligerWgreinfyrirslkumkvrWunumogforsendum  '",  Yeirra.MeWYessuerstuWlaWaWfaglegumvinnubrgWumogfrekaragagnsistefnunnar '#- peningamlum.NauWsynlegtYykiraWstyrkjaeiginfjrstWubankansog&   gerirfrumvarpiWrW ( fyrira'(>WsvoverWi.    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' SeWlabankinnbeinirfyrstogfremstsj;numaWhinuYj;Whagslegaumhverfi_fjrmlakerfisins_  ogaW_fjrmlakerfinu_Ԁheild,styrkYessogveikleikum.BankinnleitastviWaWstuWlaaWr  yggi_fjrmlakerfisins_.GreiWslukerfifallaundirYettaviWfangsefniSeWlabankans.XaueruY; `  tilgreindsrstaklega,endaeinkarmikilvgtaWtryggjavirkaogruggastarfsemiYeirra.VW S+! asthvarerYaWsvoaW_seWlabankar_ԀgegnaYUWingarmikluhlutverki_greiWslukerfum_Ԁlanda " sinna.XeirerueinnigmiWstWuppgjrsgreiWslummillieinstakra_lnastofnana_.Lengivel # varekkiminnstgreiWslukerfieWagreiWslumiWlunlgumumSeWlabanka0slands.kvWi  $ umaWhannskyldistuWlaaW_greiWri_,_hagkvmri_ԀogruggrigreiWslumiWlunlandinuogviW !W% tlndvarY;felltinn3.gr.lagannarinu1998einsogYegarhefurveriWgetiW.XYegar J""& hafWiSeWlabankinntekiWfrumkvWiWaWbreytingaryrWugerWarfyrirkomulagiinnlendra #' _greiWslukerfa_ԀYannigaWYaWuppfylltikrfursemalmennterugerWartil_greiWslukerfa_ԀWrum #( lndum,ekkisstumryggi.XaWhefurveriWgertognsnemmars2001hillirundiraWinn $ ) lendgreiWslukerfiuppfylliallarkrfursemgerWareru_alYj;Wavettvangi_Ԁtil_greiWslukerfa_. v%N!* UmYessimlhefurveriWfjallaW_rsfj;rWungsriti_ԀSeWlabankans,Peningamlum,_t.d._Ԁ1.og A&"+ 4.heftiriW2000.  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B    HeimiltverWuraWsetjasrstakarreglurumtiberlendra_lnastofnana_ԀefkvWireglum    uminnlendarlnastofnanirfallaillaaWYeim,svosemefviWmiWunerhfWviWstrWirr   _samstWureikningi_ԀogYesshttar. {    & a Um12.gr. 9     Greininerefnislegasamhlj;Wa3.mgr.8.gr.gildandilaga.Hrervissanhttumsvo  kallaWar_varWarreglur_ԀaWrWaogmfrafyrirYvrkaWsetningYeirrattiaWvera'a9aԀhnd  um_Fjrmlaeftirlitsins_.RtterY;taliWaWhaldaYessukvWi_SeWlabankalgunum_,enda r mikilvgtaWSeWlabankinnhafijafnaneinsg;WamguleikaogkosturertilYessaWvakayfir e= _lausafjrstWu_Ԁ_lnastofnana_Ԁogkerfisinsheild.EinsogframkemurathugasemdumviW34. 0 gr.hafaSeWlabankinnog_FjrmlaeftirlitiW_ԀmeWsrniWsamstarfogsamrW.UpplUsingar  streymagreiWlegamillistofnanannagrundvelli_samstarfssamnings_ԀsemYrhafagertsn  millilgumsamkvmt. i   HeimiltverWuraWsetjasrstakarreglurumtiberlendra_lnastofnana_ԀefkvWireglum \4 uminnlendarlnastofnanirfallaillaaWYeim,svosemefviWmiWunerhfWviWstrWirr ' _samstWureikningi_ԀogYesshttar.    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S+!   Um19.gr. #     kvWiYessarargreinareruefnislegasamhlj;WakvWumV.kaflangildandi_SeWla  $ bankalaga_ԀogYarfnastekkifrekariskUringaannarraenYeirraaWtilefnitilYessaWfellaniWur !W% gengisskrningugeturveriWhiWsamaoggreinterniWurlagiskUringarviW18.gr. J""&   Um20.gr. #(     HrerkveWiWumaWSeWlabankinnskulivarWveita_gjaldeyrisvarasj;W_ԀsamrmiviW $ ) markmiWoghlutverkbankans.kvWigreinarinnarerueinflduWfrkvWumhliWstWra v%N!* greinangildandi_SeWlabankalgum_.XfelstsbreytingorWalagigreinarinnaraWkveWiW A&"+ erumaW_bankastj;rn_ԀskulisetjastarfsreglurumvarWveislu_gjaldeyrisvarasj;Wsins_ԀogaW  '", bankarWskulistaWfestaYr. '#-   02.mgr.erkveWiWumaWSeWlabankanumsheimiltaWtakalntilaWefla_gjaldeyris (z$. varasj;Winn_.Slkheimilderngildandi_SeWlabankalgum_ԀogkrefsthnekkifrekariskUr ( inga.XertekiWframaWSeWlabankanumsheimiltaWtakaYttsamstarfierlendraseWla  bankaogalYj;WlegrabankaogfjrmlastofnanaumlnveitingartilaWefla_gjaldeyrisvarasj;W_  Ytttakenda.kvWiYessaefniserekkingildandi_SeWlabankalgum_ԀeneWlilegtYykiraW a SeWlabankanumsgertkleiftaWtakaYttalYj;WlegumsamningumafYessutagilktog T, _seWlabnkum_ԀflestraeWaallrangrannalandanna.    Um21.gr.       GreinineraWhlutatilsamsvarandikvWumV.kaflangildandi_SeWlabankalaga_.Bank  X inngeturm.a.ttsamskiptiviWstofnanirborWviW_AlYj;Wabankann_,Efnahagsog_framfara K #  stofnunina_Ԁ_OECD_ԀogaWrarstofnanirstarfssviWihans.KveWiWersrstaklegaumaWSeWla    bankanumsjafnframtheimiltaWeigaaWildaWWrumalYj;Wlegumstofnunumenumgetur    2.mgr.,endasamrUmistYaWhlutverkihanssemseWlabanka.     @ttUm22.gr. B    Greininersamhlj;Wa21.gr.ngildandi_SeWlabankalaga_.    @ttUm23.gr. {      ViWskipunembttieralmennareglanaWskipaembttitilfimmrasennogekkieru nF takmarkanirYvhversuoftmegiskipasamamannembttiW.FrYessariregluervikiW 9 frumvarpinuoggertrWfyriraWbankastj;rarSeWlabankansverWiskipaWirtilsjrasenn  ogaWekkiverWiheimiltaWskipaYoftarentvisvareWasamtalsfj;rtnr.MeWYvm;ti  erleitastviWaWtryggjastWugleikastarfsemibankansenjafnframtaWhfilegendurnUjun r verWiyfirstj;rnbankans.litiWeraWjafnvgiverWimillinauWsynlegsstWugleikaog e= endurnUjunarmeWYessumhtti.FormaWur_bankastj;rnar_ԀerskipaWurafrWherra.0Yvfelst 0 breytingfrngildandi_SeWlabankalgum_ԀsemkveWaumaW_bankastj;rn_Ԁkj;siformannr  snumh;pitilYriggjarasenn.Bankastj;rasem_endurskipaWur_ԀhefurveriWembtti,Y.e.  hefurveriWbankastj;rimeiraensjr,mskipaformann_bankastj;rnar_Ԁtilsjrafr_gildis i tkudegi_ԀskipunarinnaraWtelja.XannigerfrWilegamgulegtaWsamimaWurgetiveriW \4 bankastj;rialltaW21r,bankastj;rialltaWfj;rtnrogformaWur_bankastj;rnar_Ԁsjr. ' 0nefndinnisemsamdifrumvarpiWvarnokkuWrtthvortbreytatti_stWuheitum_ԀYannveg  aWoddviti_bankastj;rnar_ԀyrWikallaWur_aWalbankastj;ri_ԀenekkiformaWur_bankastj;rnar_.Ekki  var_efnislegur_ԀmunurYeimskilningisemlagWurvarhvortheitiumsigogniWurstaWanvarW `  saWhaldaYvsWarnefnda. S+!   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'(q     Um24.gr. a     StaWaformanns_bankastj;rnar_ԀSeWlabanka0slandsverWursrstaktembttimeWYessum T, lgumogerhlutverkhansaWveratalsmaWurbankans,stUrafundum_bankastj;rnar_ԀogannaW  semkannaWfelastslku_oddvitahlutverki_._Bankastj;rn_ԀskiptiraWWruleytimeWsrverkum,  YarmeWalumhvor_bankastj;ranna_ԀgegnirstrfumstaWgengilsformanns_bankastj;rnar_.   fundum_bankastj;rnar_ԀerfjallaWumllmlsemvarWastarfsemibankansogkvarWanirtekn  X arummlefnihansnemaWrumsfaliW_kvrWunarvald_Ԁsamkvmtlgunum.AflatkvWa K #  _bankastj;rn_ԀrWurrslitumviWafgreiWslumla.EfaWeinstveirbankastj;rarerufundum    _bankastj;rnar_ԀrWuratkvWiformannsefgreiningurerumafgreiWslumla.      kvarWanirsemteknarerufundum_bankastj;rnar_ԀskuluskrWarmeWviWeigandihtti   ogstaWfestarmeWritun_bankastj;rnar_.TilYessaWtryggjaaWtWsuviWhfWbestufagleg wO  vinnubrgWviWm;tunogframkvmd_peningastefnunnar_,lj;si_kvWanna_Ԁummeginmark B  miWstefnunnarskv.3.gr.,YykirrttaWfestalgkvWiumaWsrstakarstarfsreglurgildi    umundirbning,rkstuWningogkynningukvarWana_bankastj;rnar_Ԁpeningamlum.Hrer   _t.d._ԀttviW_verkferli_ԀsemgildaviWundirbningkvarWana,viWhvaWaupplUsingarskulistuWst {  ogeftiratvikumhvaWaembttismennbankansaWrirenbankastj;rartakiYttYvferliY;tt nF endanumsYaW_bankastj;rn_ԀsemformlegatekurkvrWun.MikilvgtereinnigaWgera 9 skUragreinfyrirkvrWunum_bankastj;rnar_,srstaklegaYeimsemvarWabeitingu_stj;rntkja_  bankanspeningamlum.XrskalbirtaopinberlegaYannigaWskUrtshvaWaforsendum  YrbyggjastoghvaWYeimfelst.MeWkvWumYessarargreinarerleitastviWaWtryggja r aWkvarWanir_bankastj;rnar_ԀsutWreistareinsfaglegumgrunniogkosturer,aW_peninga e= stefnan_ԀsgagnsogaW_bankastj;rn_ԀstandireikningsskilgerWasinnagagnvartstj;rnvldum 0 ogalmenningi.GreininfelurekkisrkvWumaW_bankastj;rn_Ԁskulibirtafrsagnirafum  rWumfundumYegarkvarWanirpeningamlumeruteknareWaafstWueinstakrabanka  stj;ra. i   0nefndinnisemsamdifrumvarpiWvarrtthvortkveWaskyldiumsrstaka_peninga \4 stefnunefnd_Ԁsemstufleirienbankastj;rarsemfrimeW_kvrWunarvald_Ԁpeningamlum. ' NiWurstaWanvarWsaWgeraYaWekkihelduraWfela_bankastj;rn_Ԁ_kvrWunarvaldiW_Ԁenjafn  framtaWfelahenniaWsetjastarfsreglurum_kvrWunarferil_Ԁ_peningamla_ԀsemlUstermls  greininnihraWframan. `    Um25.gr. "     EfniYessarargreinarsvarartil2.mgr.28.gr.ngildandi_SeWlabankalaga_.MeWYessu # kvWierlgfestaWbankastj;rumogformanni_bankastj;rnar_Ԁer;heimiltaWsitjastj;rn  $ stofnanaogatvinnufyrirtkjautanbankanseWatakaYttatvinnurekstriaWWruleyti.Telja !W% verWureWlilegtaW_bankastj;rn_ԀsetjireglurumYettaefnigagnvartWrumhelstuyfirmnnum J""& bankansogWrumstarfsmnnum.tlaverWuraWkvWiumYettaefniverWirWningar #' samningiYeimerbankarWgerirviWforstWumann_endurskoWunardeildar_ԀteljibankarW #( stWutilYess. $ )   RsigreiningurumefniYessarargreinargagnvartbankastj;rumYykireWlilegtaWrWherra v%N!* skerir.GagnvartWrumstarfsmnnumbankanserYaW_bankastj;rnar_ԀaWskerar. A&"+   kvWiYessarargreinarberaWtlkaYrngtYannigaWbankastj;rarsitjiekkistj;rn  '", stofnanaeWaatvinnufyrirtkjautanbankanseWatakiYttatvinnurekstrinemaslktssr '#- staklegaboWiWlgum. (z$. Ї  Um26.gr. (     LagtertilaW_bankarWsmnnum_ԀverWifjlgaWrfimmsj.Xessibreytingersamrmi  viWeflteftirlitshlutverk_bankarWsins_.HntryggirbreiWarisamsetninguYessogaWfleiri  sj;narmiWkomistaWviWumfjllun_bankarWi_.X;tthlutverk_bankarWsins_Ԁsskilgreintlg a unumogYarkomiframhvaWaatriWiYaWerusem_bankarWinu_ԀberaWfjallaumogtaka T, kvarWanirumerengusWurstWatilaWfundum_bankarWs_ԀverWifjallaWummlsemeru  tilathugunarhj_bankastj;rn_,srstaklegavarWandistefnunapeningamlum.    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