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SkUrslunnifylgjaeinnigtvrtflurYarsemgerWergreinfyrirtluWurekstrarumfangi  nstarsogrekstriFjrmlaeftirlitsinsyfirstandandiri(tafla1)ogtlaWrilagningu `  eftirlitsgjaldsmiWaWviWtlaWrekstrarumfang(tafla2).rsreikningurFjrmlaeftirlitsins S+! fyrirriW2002ereinnigmeWfylgjandi. "  & , 1.  ReksturFjrmlaeftirlitsinsrinu2002.   $   Tekjurafeftirlitsgjaldi,semeftirlitsskyldiraWilargreiWa,nmurinu2002um211,1 !W% millj.kr.Tmsartekjurnmuum6,1millj.kr.ogvaxtatekjurnmuum5,4millj.kr. J""& Rekstrar', _gjld,&  aWmeWtldumeignakaupum,nmuum271,8millj.kr.Eignirrslok2002 #' nmusamtalsum3,1millj.kr.ogskuldirum4,4millj.kr.'#2a #(   HfuWst;llrsbyrjunnamum47,9millj.kr.TekiWvartillittilYessviWkvrWun $ ) eftirlitsgjaldssemsamYykktvarAlYingifyrirriW2002.TekjumoghfuWst;lvarrWstafaW v%N!* tilrekstursrinuogvareigiWfrslok2002neikvttum1,3millj.kr.eWa0,5%af A&"+ gjldumsamtals.  '",   GerthafWiveriWrWfyrir3,4millj.kr.tekjuafgangimiWaWviWendurskoWaWatlun '#- miWjuri2003.FrvikurWufrendurskoWaWritlunlaunakostnaWisemnam0,5%af (z$. launumoglaunatengdumgjldum.stWaYessafrviksereinkumtvYtt.Annarsvegar ( varWskrunviWmannabreytingaroghinsvegarnautFjrmlaeftirlitiWstarfalausrWinsf;lks  _ meiramliengerthafWiveriWrWfyrirvegnabrUnnaverkefna.EnnfremururWufrvikfr  endurskoWaWritlunvegna_ srfrWikostnaWar_ ԀsemreyndistmeirirslokengerthafWiveriW a rWfyrir. T, Ѐ  Umrekstur_ FME_ Ԁrinu2002eraWWruleytivsaWtil_ rsreiknings_ ԀogskUringameW  honum.   2.  EndurskoWuWrekstrartlunvegnarsins2003.   X   ViWgerW_ rekstrartlunar_ ԀfyrirriW2004hefur_ FME_ ԀendurskoWaWrekstrartlunYessa K #  rs.0tflu1erbirtendurskoWuWrekstrartlunmiWaWviWjn2003(dlkur2),samanburWi    viWupphaflegatlun.      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" &    Xeru_ Ytttkugjld_ ԀvegnaerlendssamstarfstluW1,9_ millj_ ._ kr_ .endurskoWaWritlun # staW3_ millj_ ._ kr_ .stWaYessaereinkumaW_ Ytttkugjld_ Ԁvegna_ samstarfsnefndar_ Ԁevr;pskra  $ _ verWbrfaeftirlita_ Ԁ(_ CESR_ ,Wur_ FESCO_ )hfWuekkiveriWkveWinviWgerW_ upphaflegrar_  !W% _ tlunar_ ԀogreyndustlgrientlaWhafWiveriW. J""& 'x  03.gr.laganr.99/1999segiraWstlaWaWrekstrartapverWiafstarfsemi #' _ Fjrmlaeftirlitsins_ ԀYvriYegartlunfyrirnstarerunninskulitakatillittilYessviW #( kvrWun_ eftirlitsgjalds_ Ԁnstars.tlaWrekstrartapsamkvmtendurskoWaWritlunnemur $ ) 3,8_ millj_ ._ kr_ .YegartekiWhefurveriWtillittil_ frviks_ Ԁfrtlunum_ rekstrarniWurstWu_ Ԁrsins v%N!* 2002. A&"+  3.  RekstrartlunfyrirriW2004.  '#-   0tflu1erbirtrekstrartlunfyrirriW2004samanburWiviWupphaflegarekstrartlun (z$. ogendurskoWaWatlunfyrirYettar.HreftirverWurgerWgreinfyrirhelstuforsendum ( hennar.  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AWteknutillititilframangreindraforsendnaergertrWfyriraWlaunog_ launatengd_ Ԁgjld  rinu2004nemium202,6_ millj_ ._ kr_ .eWa8,3%hkkunfrendurskoWaWritlunfyrirYetta r r. e=   Launstj;rnarmannaerukveWinafrWherra._ Fjrmlaeftirlitinu_ ԀerekkikunnugtumaW 0 fyrirhugaWarsubreytingarYeimnstari.  KostnaWurviWendurmenntun. i   Samkvmt_ smenntunarstefnu_ Ԁ_ FME_ ԀerstefntaWYvaWkostnaWurvegna_ smenntunar_ Ԁnemi \4 3%af_ heildarlaunum_ .EkkierdrgumaWtlungertrWfyrir_ srgreindum_ ԀliWvegnaYessa ' heldurfellurYessikostnaWurundirliWi3,5,10,14og16.  ReksturhsnWi. `    Hsaleigabyggistfstumsamningumsembundnireruvsitlu_ neysluverWs_ .tlun S+! vegnarafmagns,hitaog_ hsflags_ ԀerbyggWreynslu. " & , ReksturtlvubnaWar.  $   GerterrWfyriraWheildarkostnaWurvegnatlvubnaWarhaldistnr;breytturnstari, !W% smiWaWviWendurskoWaWatlunfyrirYettar.InnifalinYessumkostnaWier2,5_ millj_ ._ kr_ . J""& ', hkkunvegna_ gagnagrunnskerfis_ ԀsemfyrirhugaWeraWkomaupp.m;tikemurYvlkkun #' umsvipaWafjrhWWrumreglulegum_ tlvukostnaWi_ .tluninerbyggWreynslusWustu #( raogfjldastarfsf;lks.Einsognefndinnierkunnugthefur_ FME_ ԀtekiWnrallan_ tlvubnaW_  $ ) leigustaWYessaWkaupahann.ReglulegurrekstrarkostnaWurerYvnokkuWhr,en v%N!* _ stofnkostnaWur_ ԀaWsamaskapiminni. A&"+ _ FerWakostnaWur_ ԀogkostnaWurvegnafunda. '#-   GerterrWfyriraW_ ferWakostnaWur_ Ԁhaldist;breytturmillira.GerterrWfyrir60ferWum (z$. nstarieinsogriW2003.0tarlegtyfirlityfirerlentsamstarf_ Fjrmlaeftirlitsins_ Ԁerbirt ( _ heimasWu_ ԀYess.    _ Fjrmlaeftirlitinu_ ԀbernokkrumtilvikumaWgreiWa_ Ytttkugjld_ Ԁerlendusamstarfi.  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AWrir_ kostnaWarliWir_ ԀerubyggWirreynslufyrrira.EkkiergertrWfyrirmiklum   _ breytingum_ ԀYeimliWum. {  AWrartekjur,_ vaxtatekjur_ . 9   Einsogkunnugterfr_ FjrmlaeftirlitiW_ Ԁvextiaf_ innstWu_ ԀreikningiSeWlabanka0slands.  _ Vaxtatekjurnar_ ԀerubyggWar_ tlaWri_ Ԁ_ meWalstWu_ Ԁ_ innstWu_ Ԁ_ m.v._ ԀlagningusemmiWastviW  drgaWrekstrartlunEkkiertluninnigertrWfyrirWrumtekjumen_ vaxtatekjum_ . r  4.  _ lagning_ Ԁ_ eftirlitsgjalds_ ԀfyrirriW2004.  0   Samkvmt1.mgr.2.gr.laganr.99/1999skal_ FME_ ԀleggjamatYr;unstarfseminnar  undangenginYrjrmeWtillititilYesstmasemtlamaWfariWhafieftirlitmeWhverjum  flokki_ eftirlitsskyldra_ ԀaWila. i   _ FjrmlaeftirlitiW_ ԀhefureinsogWurgertathugunYvhvortstWastilaWgera \4 _ breytingar_ Ԁskiptingu_ eftirlitsgjaldsins_ ,meWtillititilYesshvernig_ rWstfunartmi_ Ԁeftirliti ' hefursWusturumfalliWeinstakaflokka_ fjrmlafyrirtkja_ .NiWurstaWaYessarar  athugunarleidditilsvipaWrarniWurstWuogfyrrir.EinsogWurmmerkjaltilshttar  breytingar_ tmaskiptingu_ ԀmillirasemY;gefaekkitilefnitilverulegrabreytinga. `    MlingarsUnaY;aWmeiritmihefurfariWeftirlitmeW_ verWbrfasj;Wum_ Ԁog S+! _ rekstrarflgum_ ԀYeirraenWur.SbreytingtengistnUjumlgumum_ verWbrfasj;Wi_ Ԁog " _ fjrfestingarsj;Wi_ Ԁsemgildit;ku1.jlsl.XaWermat_ Fjrmlaeftirlitsins_ ,Yegarhorftertil # YessaratveggjaYtta,aWeWlilegtsaWaukavgi_ rekstrarflaga_ Ԁ_ verWbrfasj;Wa_ Ԁ(Wur  $ _ verWbrfasj;Wir_ Ԁog_ rekstrarflg_ )viWkvrWunum_ lagningarhlutfll_ Ԁnstars.XYykir !W% einnigrttaWleggjatilaW_ lgmarksgjld_ ԀYessaraflagaverWi400Ys._ kr_ .semersama J""& _ lgmarksgjald_ Ԁoggildirvegna_ lnastofnana_ ,engildandi_ lgmarksgjald_ Ԁvegna_ rekstrarflaga_  #' er150Ys._ kr_ .og_ verWbrfasj;Wa_ Ԁ250Ys._ kr_ . #(   Xerrekstrartlun_ Fjrmlaeftirlitsins_ ԀeinniglagttilaW_ lgmarksgjald_ Ԁ $ ) _ verWbrfafyrirtki_ ԀverWi400Ys._ kr_ .ensamkvmtgildandilgumeruYettagjald250Ys. v%N!* _ kr_ .TekiWskalframaWekkiergertrWfyrirbreytingu_ lgmarksgjaldi_ Ԁvegna A&"+ _ verWbrfamiWlana_ .  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(z$.>?>?   #!4!4#!4!4 ??vvbOv' Xd?ViWauki.  (  @Reksturogstarfsumhverfi_ Fjrmlaeftirlitsins_ ԀnstuYrjr.    Inngangur.  T,   SamhliWarekstrartlunsinnioggreinargerWmeWhennileggur_ FjrmlaeftirlitiW_ Ԁfram  skUrsluumreksturogstarfsumhverfi_ Fjrmlaeftirlitsins_ Ԁnstur,enefnahags-og  _ viWskiptanefnd_ ԀAlYingisbeindirinu2001tilmlumtil_ eftirlitsins_ ԀumaWslkumfjllun   fylgdi_ rlegri_ ԀgreinargerWmeWrekstrartlun.l #  1        X   Xr;un_ fjrmlamarkaWa_ ԀogeftirlitsmeWfjrmlastarfsemihefurveriWmjghrW K #  _ undanfrnum_ ԀrumogekkerttliterfyriraWYarverWilt.XvermiklumerfiWleikum    bundiWaWgeragreinfyrirrekstri_ Fjrmlaeftirlitsins_ Ԁtillengritmaeneinsrssenn.      0YvskyniaWgefamyndafYvhvertstefnirstarfsemi_ Fjrmlaeftirlitsins_ Ԁogrekstri   verWurhreftirleitastviWaWlUsaYr;uneftirlitshrogYeimlndumsemviWberumokkur wO  gjarnansamanviW(1.kafli).FjallaWverWurumnUlegarog_ fyrirsjanlegar_ Ԁbreytingar B  _ lagaumhverfi_ ԀogmguleghrifYeirrarekstur_ Fjrmlaeftirlitsins_ Ԁ(2.kafli).XverWur    fjallaWuminnristarfsemi_ Fjrmlaeftirlitsins_ ,_ starfstilhgun_ ԀogmarkmiWrekstriaWYver   _ starfsmannaml_ ԀvarWar(3.kafli).AWsWustuerlagtmathvertstefnirrekstri {  _ Fjrmlaeftirlitsins_ Ԁ(4.kafli). nF  1.  Xr;uneftirlits_ fjrmlamarkaWi_ .     Xr;unstarfsemi_ Fjrmlaeftirlitsins_ ԀtekuraWverulegumhlutamiWafYr;unerlendis  _ opinberu_ ԀeftirlitimeWfjrmlastarfsemi.0slenskt_ fjrmlaumhverfi_ ԀersfelltboriWsamanviW r _ fjrmlamarkaWi_ ԀannarsstaWarogmeWopnunslensks_ fjrmlamarkaWar_ Ԁogaukinnistarfsemi e= innlendra_ fjrmlafyrirtkja_ Ԁerlendiskemurbeturlj;sYrfinYvaWeftirlit 0 _ fjrmlamarkaWi_ ԀhrlandistandistsambrilegarkrfuroggerWareruannarsstaWar.Xannig  erhorfttilgWa_ regluverks_ Ԁog_ opinbers_ ԀeftirlitsviWmat_ samkeppnishfni_ Ԁslensks  _ fjrmlamarkaWar._ ԀAlYj;WlegtstarfviWYr;uneftirlitsmiWareinnigaWfrekarisamrmingu i eftirlitsmillilanda. \4   HreftirverWurgerWgreinfyrirnokkrumatriWumervarWaalYj;Wlegam;tuneftirlitssem ' takaverWurtillittilviWm;tuneftirlitshrlandi.  1.1.  Xr;untilhgunogumfangi_ fjrmlaeftirlits_ Ԁerlendumvettvangi. `    SkipulagYeirrastofnanasemsinnaeftirliti_ fjrmlamarkaWi_ Ԁer;lktfreinulanditil S+! annars.VWaereftirlitmeWlna,verWbrfa-og_ vtryggingamarkaWi_ ԀaWskiliWeftirsviWum. " SskipanaWsameinaeftirlitllumsviWum_ fjrmlamarkaWar_ Ԁhinsvegarvaxandifylgi # aWfagna.0Evr;puvarYeirriskipanfyrstkomiWNoregi,DanmrkuogSvYj;Wrunum  $ 1986!1991.SfelltfleirirkihafafetaWsmubraut.XeirrameWaleruBretland,0rland, !W% XUskaland,AusturrkiogBelga.Nokkurhinnatilvonandi_ aWildarrkja_ Ԁ_ Evr;pusambandsins_  J""& hafafariWsmuleiW.Fleirirkiinnan_ Evr;pusambandsins_ ԀeruaWhugaaWbreytingum.Xr #' breytingarsemurWuskipulagieftirlitshrlandimeWstofnun_ Fjrmlaeftirlitsins_ ԀeruYv ( samrmiviWalYj;Wlegaogevr;pskaYr;unYessusviWi.    AlYj;WlegYr;uneftirlitshefurennfremurveriWtttilaukinsumfangs.fll  _ fjrmlamrkuWum_ Ԁkallaendurmatlgumogreglumoghafamrgumtilvikumleitttil a YessaW_ fjrmlaeftirlitum_ ԀeruveittarrkariheimildirtilfyrirbyggjandiaWgerWaogfleiri T, verkefni.Tmisskonarfll_ fjrmlamrkuWum_ ԀvWaumheimhafaorWiWYessvaldandiaW  vWtk_ samstaWa_ Ԁhefurmyndast_ alYj;Wavettvangi_ ԀumnauWsyn_ virks_ ԀogflugseftirlitsmeW  _ fjrmlastarfsemi,_ ԀeftirlitssembyggisttraustumogalYj;WlegaviWurkenndum   _ kjarnareglum_ ._ AlYj;Wastofnunum_ ԀborWviW_ AlYj;Wagjaldeyrissj;Winn_ Ԁog_ AlYj;Wabankann_   X hefurveriWfaliWaWfylgjastmeWogstuWlaaWYvaWviWunandiumgjrWog_ regluverk_ Ԁstil K #  staWar_ aWildarrkjum_ ԀsnumeinsogvikiWverWuraWkafla1.3hreftir.SvoklluW    _ Basel_ -nefndum_ bankaeftirlit,_ Ԁsemstarfarvettvangi_ AlYj;WagreiWslubankans_ Ԁ(_ BIS_ )_ Basel_ ,    ognnursamtkogstofnanirflestumsviWum_ fjrmlamarkaWar_ ԀhafasettvWtkarreglur   semvarWaflestsviW_ fjrmlaviWskipta_ ,ogkomiWhefurveriWf;t_ marghttuWu_ ԀalYj;Wlegu wO  samstarfisemvarWar_ fjrmlastWugleika_ ,svosem_ Financial_ Ԁ_ Stability_ Ԁ_ Forum_ .Allt B  endurspeglarYettaviWleitnitilYessaWdragaeftirfngumrhttunni_ fllum_ Ԁ    _ fjrmlamarkaWi_ .XmnefnaYessusambandiaWfllsemtengjastsvoklluWu   _ Enron_ -hneyksliBandarkjunumhafavakiWuppumrWuogaWgerWirsemmiWaaWauknu {  opinberueftirliti._ LggjafarYr;un_ ԀEvr;pska_ efnahagssvWinu_ Ԁhefur;tvrttveriWYessa nF tteinsognnarverWurvikiWaWsWar. 9   AfleiWingafauknuumfangieraukinnrekstrarkostnaWur_ eftirlita_ Ԁsamfarafjlgun  _ starfsf;lks._ ԀRekstrarkostnaWur_ eftirlita_ ԀDanmrku,Noregi,SvYj;WogFinnlandihefur  hkkaWum19!55%runum1999!2003.TilsamanburWarmnefnaaWrekstrarkostnaWur r _ Fjrmlaeftirlitsins_ Ԁhrlandihefuraukistumtplega54%samatmabili.RtteraWtaka e= framaWrinu1999var_ starfsmannafjldi_ Ԁ_ Fjrmlaeftirlitinu_ Ԁlgmarkieinsogfram 0 kemur_ umfjllun_ Ԁkafla3.2hreftir.  1.2.  Breytingareftirlitiogsamstarfi_ fjrmlaeftirlita_ ԀEvr;pska_ efnahagssvWinu_ . i   Miklarbreytingarstandanyfirsamstarfi_ fjrmlaeftirlita_ ԀEvr;pska_ efnahagssvWinu_  \4 tengslumviWbreytingar_ kvrWunarferli_ Ԁ_ Evr;pulggjafar_ Ԁ_ fjrmlamarkaWi_ . ' _ Breytingunum_ Ԁer_ m.a._ ԀtlaWaWtryggjameirisamrmingueftirliti_ fjrmlamarkaWi_ Ԁog  reglumumfjrmlastarfsemi.XannigaWskapagrundvllfyriraukinnifjrmlastarfsemi  ogYj;nustumillilanda. `    kvrWunumYessarbreytingarerbyggWniWurstWumsvokallaWrar_ Lamfalussy_ ԄskUrslu S+! ogfelursr4stig(_ levels_ ): "  ikmo    (:x0 _ikmo"i0J"  i0JQ 2:!3  Ԉ0    1.stigierutilskipanireWareglugerWirenYeimverWurkveWiWumundirstWuatriWi # lggjf_ fjrmlamarkaWi_ .i0JQEQ݌ $ Ќ  "i0J"  i0JR 2:!3  Ԉ0    2.stigiverWafrekartfrWarreglurm;taWarafframkvmdastj;rn_ ESB_ ԀmeWaWstoW !W% eWarWgjffrsrstakri_ samstarfsnefnd_ Ԁ_ eftirlita_ ԀviWkomandisviWi_ fjrmlamarkaWar_  J""& ogstaWfestingusrstakranefndasemstarfavegumframkvmdastj;rnarinnarogeiga #' stifulltrarrWuneyta_ aWildarrkja_ .i0JRR݌#( Ќ  "i0J"  i0JU 2:!3  Ԉ0    3.stigier_ samstarfsnefnd_ Ԁ_ eftirlita_ ԀviWkomandisviWitlaWaWtryggjaaWlgunog $ ) samrmireglumogframkvmdmillilanda._ Nefndirnar_ ԀmunuYvskynigefat v%N!* _ tilmli,_ ԀalmennastaWlaogtillgurumatriWisemekkierutfrWsrstaklega A&"+ _ tilskipunum_ ԀeWareglugerWum_ ESB_ .i0JUU݌ '", Ќ  "i0J"  i0JX 2:!3  Ԉ0    4.stigierlgWherslameiri_ eftirfylgni_ ԀviWframkvmdreglnannameWvirkum '#- _ afskiptum_ Ԁogsamstarfiframkvmdastj;rnarinnarviW_ aWildarrki_ Ԁog_ eftirlitsaWila_ .i0JXX݌(z$. Ќ    NU_ eftirlitsnefnd_ Ԁ_ verWbrfasviWi_ Ԁ(_ CESR_ ,_ Committee_ Ԁof_ European_ Ԁ_ Securities_ Ԁ_ Regulators_ ) ( t;ktilstarfarinu2001,enhnvarstofnuWgrunnieldri_ samstarfsvettvangs_   _ verWbrfaeftirlita,_ Ԁ_ FESCO_ Ԁ(_ Forum_ Ԁof_ European_ Ԁ_ Securities_ Ԁ_ Commissions_ ).Ennfremurhefur  nefndYessusviWitekiWtilstarfavegumframkvmdastj;rnarinnar(_ European_ Ԁ_ Securities_  a _ Committee)._  T,   NerveriWaWhrindaframkvmdhliWstWumbreytingum_ kvrWunarferli_ Ԁog  _ eftirlitssamstarfi_ Ԁ_ bankasviWi_ Ԁog_ vtrygginga_ -og_ lfeyrissviWi_ .0breytingunumfelst_ m.a._ ԀaW  _ bankanefnd_ Ԁvegumframkvmdastj;rnarinnar(_ Banking_ Ԁ_ Advisory_ Ԁ_ Committee_ ),Yarsemn   sitjafulltrarrWuneyta,_ fjrmlaeftirlita_ ԀogseWlabanka,verWurskipttvrnefndir,annars  X vegarnefnd2.stigi_ kvrWunarferlis_ Ԁ(_ systurnefnd_ Ԁ_ ESC_ ԀhraWframan)oghinsvegarnefnd K #  3.stigi(_ systurnefnd_ Ԁ_ CESR_ )._ vtrygginga_ -og_ lfeyrismarkaWi_ ԀverWurnverandinefnd    vegumframkvmdastj;rnarinnar(_ Insurance_ Ԁ_ Committee_ )breyttnefnd_ skipaWa_ ԀrWuneytum    _ aWildarrkja_ Ԁ(_ systurnefnd_ Ԁ_ ESC_ )ognverandi_ samstarfsvettvangi_ Ԁ_ vtryggingaeftirlita_ Ԁ(The   _ Conference_ Ԁofthe_ Insurance_ Ԁ_ Supervisory_ Ԁ_ Authorities_ Ԁof_ Member_ ԀStatesofthe_ EU_ )verWur wO  breyttnefnd3.stigi,_ Committee_ Ԁof_ Insurance_ Ԁ_ and_ Ԁ_ Pensions_ Ԁ_ Supervisors_ (_ CEIOPS_ , B  _ systurnefnd_ Ԁ_ CESR_ ).      _ Fjrmlaeftirlit_ Ԁ0slandiogNoregieruaWilaraW_ eftirlitsnefnd_ Ԁ_ verWbrfasviWi_ .Smu   _ eftirlit_ Ԁauk_ eftirlitsins_ Ԁ_ Lichtenstein_ ԀverWa_ heyrnaraWilar_ ԀaW_ eftirlitsnefndum_ Ԁ_ bankasviWi_  {  og_ vtrygginga_ -og_ lfeyrissviWi_ ,enYessilndhafaeinnigveriW_ heyrnaraWilar_ ԀaWnverandi nF _ eftirlitssamstarfi_ ԀYessumsviWum. 9   _ FjrmlaeftirlitiW_ ԀtekurYttframangreindusamstarfi_ fjrmlaeftirlita_ ԀEvr;pska  _ efnahagssvWinu_ ԀogmuntakaYttYeimbreytingumsemnstandafyrirdyrum.  _ FjrmlaeftirlitiW_ ԀmuneinniggreiWakveWiWhlutfallafrekstrarkostnaWi_ nefndanna_ ,og r greiWirnum1,1%afrekstrarkostnaWi_ CESR_ ,enhlutdeildkostnaWinefndabankaog e= _ vtrygginga/lfeyrissviWi_ ԀhefurekkiveriWendanlegakveWin. 0   0framangreindumbreytingumfelst_ m.a._ ԀaWgerWverWurrkarikrafaenWurum  _ samrmingu_ ԀeftirlitsinnanEvr;pska_ efnahagssvWisins_ .NUjar_ samstarfsnefndir_ Ԁ_ eftirlita_   munu_ m.a._ Ԁgefat_ grunnreglur_ Ԁumsamstarfogtlkun_ EES_ -rttarogfylgjastmeWsamrmdri i _ beitingu_ Ԁlagaogreglna. \4   MeWbreytingunumhefureinnigveriWgerWurskUrgreinarmunurverkefnum ' _ fjrmlaeftirlita_ ԀannarsvegarogverkefnumrWuneytahinsvegar.XannigeigarWuneytin  fulltranefndumWrustigi_ kvrWunarferilsins_ ,en_ fjrmlaeftirlitin_ Ԁstarfasaman  srstkum_ vettvangi._  `  1.3.  Athugun_ AlYj;Wagjaldeyrissj;Wsins_ Ԁ!_ grunnreglur_ Ԁumrangursrkt_ fjrmlaeftirlit_ . "   _ AlYj;Wagjaldeyrissj;Wurinn_ ԀhefurumnokkurraraskeiWgertsrstakarathuganir # _ fjrmlastWugleika_ Ԁlanda(_ FSAP_ ,_ Financial_ Ԁ_ Stability_ Ԁ_ Assessment_ Ԁ_ Program_ ).MeWalannars  $ erkannaWhvortreglurogeftirlitmeWfjrmlastarfsemiviWkomandilndumstandist !W% _ grunnreglur_ ԀumrangursrkteftirlitsemalYj;Wasamtkvettvangi_ opinbers_ ԀeftirlitsmeW J""& _ fjrmlastarfsemi_ Ԁhafasett.SkUrslur_ AlYj;Wagjaldeyrissj;Wsins_ ԀumYessarathuganireruaW #' jafnaWigerWaropinberar_ heimasWu_ Ԁsj;WsinsoggefamikilvgansamanburWmillilandaog #( _ upplUsingar_ ԀumstWuYessaramlafreinulanditilannars.UmleiWhafaYrvgimati $ ) _ samkeppnishfni_ Ԁ_ fjrmlamarkaWa_ . v%N!*   riW2001birti_ AlYj;Wagjaldeyrissj;Wurinn_ ԀskUrsluumathugunsna_ fjrmlastWugleika_  A&"+  0slandiogmatframkvmdalYj;Wlegra_ grunnreglna_ Ԁeftirliti.Sj;WurinnlagWitilUmsar  '", breytingar& *  lggjfogeftirlititilaWbregWastviWveikleikum_ fjrmlamarkaWi_ Ԁogeftirliti ( meWhonum.MeWalannarslagWisj;Wurinntilverulegastkkuneftirlitinu.{ #  2      '*({    _ AlYj;Wagjaldeyrissj;Wurinn_ ԀernaWleggja_ lokahnd_ ԀnUjaskUrsluum  _ fjrmlastWugleika_ Ԁ0slandi.SkUrslanfelursrendurskoWunniWurstWumfyrriskUrslu. a _ Athugunin_ ԀnbeindistfyrstogfremstaWYvaWkannabreytingarsemorWiWhfWufrYvaW T, _ skUrslan_ Ԁfr2001varunnin._ M.a._ ԀvarfariWyfirbreytingar_ eftirfylgni_ ԀviW_ grunnreglur_ Ԁum  _ rangursrkt_ Ԁ_ bankaeftirlit._ ԀSkUrslasj;WsinsverWurvntanlegabirt_ heimasWu_ Ԁhans  septembernk.     VikiWeraWmeginniWurstWum_ athugunarinnar_ Ԁnliti_ sendinefndar_   X _ AlYj;Wagjaldeyrissj;Wsins_ ԀsemkynntisrstWuefnahagsmlahrlandiummnaWam;tin K #  ma!jnsl.litiWeraWfinnaslenskriYUWingu_ heimasWu_ ԀSeWlabanka0slands.Xarsegir    _ m.a._ :      ?13.Sendinefndfr_ AlYj;Wagjaldeyrissj;Wnum_ Ԁs;tti0slandheimaprl2003tilaWfylgja   eftirathugun_ fjrmlastWugleika_ Ԁ(_ FSSA_ )semgerWvarriW2001.NiWurstWur wO  _ sendinefndarinnar_ ԀstaWfestuaW;jafnvgisemgreindist_ FSSA_ ԄskUrslunnifr2001erhorfiW B  ogaWmeirajafnvgisgtirnhttu_ fjrmlageirans_ ,_ m.a._ ԀfyrirtilstuWlanfyrirbyggjandi    _ eftirlitsaWgerWa._ Ԁ0slenskirbankarskiluWuauknumhagnaWirunum2001og2002ogbttu   _ eiginfjrstWu_ ԀsnabWirinsamrmiviWtilmli_ eftirlitsyfirvalda_ ._ Sparisj;Wirnir_ ԀttuviW {  _ rammari_ ԀreipaWdragaen_ viWskiptabankarnir_ Ԁendahlutfallvanskilaog_ afskrifta_ Ԁaf nF _ heildartlnum_ ԀhrrahjYeim. 9   14.BiWeraWeflalgogreglugerWirumfjrmlastarfsemisamtYvaWstyrkja  _ fjrmlaeftirlit_ ԀoggeraumfangsmiklarumbtursamrmiviW_ kjarnareglur_ Ԁ_ Basel_ Ԅnefndar  um_ bankaeftirlit_ Ԁ(_ BCP_ ).ViWfgnumnUjumlgumum_ fjrmlafyrirtki_ Ԁog_ tengdri_ Ԁlggjf r semog_ eflingu_ Ԁ_ Fjrmlaeftirlitsins_ .0kjlfarskj;traogumfangsmikillaumb;tasemgerWar e= hafaveriW_ regluverki_ Ԁogframkvmd_ fjrmlaeftirlits_ ԀfrYvaW_ FSSA_ ԄathuguninvargerW 0 riW2001uppfyllir0slandnflestkvWi_ BCP_ ԄreglnannaaWundanskilinnireglu11,vegna  skorts_ reglulegri_ Ԁ_ skUrslugjf_ Ԁbankaumhttu_ tlnum_ Ԁtil_ lnYega_ ԀWrumlndum.ViW  hvetjumstj;rnvldtilaWhaldavkusinnikomandirumvegnahttuspennu i _ hagkerfinu_ ,_ m.a._ Ԁvegnahs_ skuldahlutfalls_ .  \4   XrttfyriraWsj;Wurinnhr;sistj;rnvldum,YarmeWal_ Fjrmlaeftirlitinu_ ,fyriraWgerWir ' semstyrkthafastWugleika_ fjrmlakerfisins_ Ԁhefursj;WurinnframaWfranokkrar  _ bendingar_ Ԁumframhaldandiendurbtur.NefnamYessarhelstar:  "i0J"  i0Jk 2:!3  Ԉ0    AWstj;rnvldYurfiaWverareiWubinaWendurskoWastrW_ Fjrmlaeftirlitsins_ ԀYarsem `  starfYessviWaWkomanUjumlgumframkvmdmegiekkikomaniWur S+! _ kjarnaeftirliti._ i0Jk݌" Ќ  "i0J"  i0Js 2:!3  Ԉ0    AW_ FjrmlaeftirlitiW_ ԀYurfiaWgefatUmsarreglurogverklagsreglur,_ t.d._ Ԁgefat # _ opinberlega_ ԀverklagsreglurummeWferW_ starfsleyfisums;kna_ Ԁogmathfi  $ stj;rnarmanna_ fjrmlafyrirtkjum_ ԀogreglurumkvarWanirum_ eiginfjrhlutfll_ . !W% EinnigYurfiaWstyrkjareglurummat_ afskrifta_ ԀsamrmiviWframkomnartillgur J""& _ eftirlitsins_ .i0Js݌#' Ќ  "i0J"  i0J 2:!3  Ԉ0    StyrkjaYurfireglulega_ upplUsingagjf_ Ԁum_ tlnahttu_ Ԁ_ lnastofnana_ Ԁerlendis.i0J-݌#( Ќ    RtteraWtakaframaWathuguninnf;lekkisrnUttmat_ eftirfylgni_ ԀviW_ grunnreglur_  $ ) umeftirlit_ vtrygginga_ -og_ verWbrfasviWi_ . (  & , 2.  NUlegarogvntanlegarlagabreytingar!hrif_ FjrmlaeftirlitiW_ .     RtteraWrekjahreftirnUlegarogvntanlegarbreytingarlggjf,enstarfsumhverfi a _ eftirlitsins_ ԀrWstaWveruleguleytiafhenni. T, ',ҙ2.1.  Breytingarlggjf.    YessurihafanUlgtekiWgildiveigamiklumsviWum_ fjrmlamarkaWar_ .UmeraW   rWaeftirfarandilggjf:  X "i0J"  i0J 2:!3  Ԉ0    Lgnr.161/2002,um_ fjrmlafyrirtki_ ,t;kugildi1.janarsl.MeWYeimhafaeinlg K #  verWisettumstofnunogreksturviWskiptabanka,sparisj;Wa,annarra_ lnastofnana_ ,    _ verWbrfafyrirtkja,_ Ԁ_ greiWslukorta_ -og_ rafeyrisfyrirtkja_ Ԁog_ eignarleigufyrirtkja_ .Lgin    felasrUmsarbreytingar_ starfsheimildum_ Ԁ_ Fjrmlaeftirlitsins_ .0frumvarpiYvsem   varWaWlgumsegireftirfarandi:i0J݌wO  Ќ    0     v ?_ Eftirlitsheimildir_ Ԁ_ Fjrmlaeftirlitsins_ ԀeruaWlangmestuleytihinarsmuoggildi B  erudagogbyggjast_ EES_ -samningnum.X;mreiknameWaWYrjrnUjungar    _ frumvarpinu_ ԀmunileiWatilaukinseftirlits.0fyrstalagimun_ rekstrarflag_ Ԁ_ verWbrfasj;Ws_    fstarfsleyfi_ fjrmlamarkaWi_ ԀoggeturopnaWtibeWastundaWYj;nustunstofnunar {  _ tibs_ Ԁ_ EES_ -svWinusamrmiviWbreytingutilskipunumsameiginlegafjrfestingu nF framseljanlegumverWbrfum.0WrulagiergertrWfyriraW_ starfsleyfisums;knir_ ԀverWi 9 tarlegrienWurog_ FjrmlaeftirlitiW_ ԀgetiveittogafturkallaWleyfitilhlutaYeirrar  _ starfsemi_ ԀsemviWkomanditegund_ fjrmlafyrirtkis_ ԀstendurtilboWaaWskjaum.0  YriWjalagiergertrWfyriraW_ FjrmlaeftirlitiW_ ԀfiheimildtilaWkvarWahrra r _ eiginfjrhlutfall_ Ԁen8%fyrir_ fjrmlafyrirtki_ ԀaWkveWnumskilyrWumuppfylltum.Xessi e= heimildersamrmiviWvntanlegaralYj;Wlegar_ eiginfjrreglur_ .GeramrWfyrir 0 _ mikilli_ Ԁvinnu_ Fjrmlaeftirlitsins_ Ԁog_ fjrmlafyrirtkja_ ԀnsturumviWundirbning  _ innleiWingar_ ԀnUrra_ eiginfjrreglna_ .   0     v ViWsamrminguogeinfldunlagakvWaum_ fjrmlafyrirtki_ ԀmreiknameWaW i eftirlitmeWYeimgetiorWiW_ skilvirkara_ .Xettavegurm;tiauknueftirlitivegnanUrra \4 reglna_ frum_ ԀvarpiYessu. ' "i0J"  i0Jܪ 2:!3  Ԉ0    Lgnr.33/2003,umverWbrfaviWskipti,t;kugildi1.jlsl.KveWiWerumstarfshtti  _ verWbrfamarkaWi_ Ԁsem_ fjrmlafyrirtki_ ,tgefendurskrWraverWbrfaogaWrirsem  komaaW_ verWbrfamarkaWi_ Ԁstarfaeftir.LagakvWiumYettahfWutekiWmiklum `  _ breytingum_ ԀnUveriW,_ m.a._ ԀmeWendurb;tumkvWumlagaummeWferW S+! _ trnaWarupplUsinga_ Ԁog_ innherjaviWskipti_ ԀogkvWumumalmennttboWverWbrfa. " _ FjrmlaeftirlitiW_ ԀhefurlagtmiklavinnuaWkomaYeim_ lagabreytingum_ Ԁtil # framkvmda.AukiWumfangstarfi_ Fjrmlaeftirlitsins_ ԀviWaWtryggja_ eftirfylgni_ ԀviW  $ YaulagakvWihefurveriWvanmetiW.Xrbreytingarsemt;kugildimeWnUjumlgum !W% nogkrefjastmunumikillarvinnu_ Fjrmlaeftirlitsins_ ԀsnaaWYvaWundirbabeitingu J""& _ stj;rnvaldssekta_ Ԁsem_ Fjrmlaeftirlitinu_ ԀernheimiltaWkveWavegnabrotakvWum #' ummeWferW_ innherjaupplUsinga._ i0Jܪ ݌#( Ќ  "i0J "  i0JB 2:!3  Ԉ0    Lgnr.30/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ ,t;kugildi1.jlsl.Lginfela $ ) srviWamiklarbreytingargildandilggjfogtakaaWveruleguleytimiWafnUrri v%N!* _ tilskipun_ Ԁ_ Evr;pusambandsins_ ._ Fjrfestingarheimildir_ Ԁ_ verWbrfasj;Wa_ Ԁeru_ rUmkaWar_ , A&"+ _ fjrfestingarsj;Wir_ ԀerunUtt_ starfsleyfisskylt_ Ԁformsj;Waumsameiginlegafjrfestingu,  '", mlterfyrirumeinkartt_ verWbrfasj;Wa_ Ԁog_ fjrfestingarsj;Wa_ ԀtilaWveitaviWtkuffr '#- _ almenningi_ Ԁtilsameiginlegrarfjrfestingar,_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁfstarfsleyfi (z$. ogverWa& , _ fjrmlafyrirtki_ Ԁsamkvmtlgumnr.161/2002og_ FjrmlaeftirlitiW_ Ԁveitirog ( _ afturkallar_ ԀstarfsleyfistaWviWskiptarWherra.i0JBo݌ Ќ    _ FjrmlaeftirlitiW_ ԀvaktiYvathygliumsgnumtilefnahags-og_ viWskiptanefndar_ Ԁum  frumvarptillagaum_ fjrmlafyrirtki_ Ԁog',(yfrumvarptillagaum_ verWbrfasj;Wi_ Ԁog a _ fjrfestingarsj;Wi_ ԀaWlklegtvriaW_ FjrmlaeftirlitiW_ ԀYyrftiaWverjatalsverWumtma T, _ innleiWingu_ ԀlggjafarinnarogeftirlitmeWaWbreyttlgkomisttilframkvmda.Hinsvegar  taldi_ FjrmlaeftirlitiW_ Ԁekkirtt,viWtlunrekstrarkostnaWarfyrirriW2003,aWhafahliWsj;n  af_ frumvarpsdrgum_ ԀsemekkihfWuveriWlgWframAlYingioghlotiWumfjllunYar.     VerkefnisemtengjastYvaWtryggja_ eftirfylgni_ ԀviWnUlagakvWieruafUmsumtoga.AW  X YvervarWarlgnr.161/2002,um_ fjrmlafyrirtki_ ,mnefnakynningulgunumgagnvart K #  _ eftirlitsskyldum_ ԀaWilumogsvrviWUmisskonarfyrirspurnumumtlkunkvWaog    _ framkvmd_ Ԁlaganna.Ennfremurber_ Fjrmlaeftirlitinu_ ԀaWtryggjaaWfylgtskvWumtil    _ brWabirgWa_ ԀsemsnertaupptkunUrralaga,setjareglursemYverfaliWaWsetjasamkvmt   _ lgunum_ Ԁogm;taogsetjaleiWbeinanditilmliumframkvmdtiltekinnakvWalaganna. wO  XYarf_ FjrmlaeftirlitiW_ ԀaWm;taverklagvegnanUrraverkefnasemYverufalinlgunum. B  MYarnefnaverklagviWveitinguog_ afturkllun_ Ԁ_ starfsleyfa_ ,enkvarWanirumYettavoru    WurhndumviWskiptarWherra.0YessusambandiYarfaWm;taverklagviWnUjarheimildir   tilaWafturkallastarfsleyfiaWhluta.XYarfaWsetjareglurogkynnaverklagviWkvarWanir {  umhrraeiginfjrhlutfallfyrireinstakarlnastofnanir.AWYversWastaatriWiWvarWarhefur nF _ FjrmlaeftirlitiW_ Ԁlagtmiklavinnum;tun_ httumatskerfis_ Ԁfyrirlnastofnanir,enmeWYv 9 verWur_ Fjrmlaeftirlitinu_ ԀunntaWgefalnastofnunumeinkunnirgrundvelli_ httumats_ Ԁsem  nUtamviWkvrWunumeiginfjrhlutfall.    Afverkefnumvegnalaganr.32/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ ,mnefna r _ veitingu_ Ԁ_ starfsleyfa_ Ԁfyrir_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁsemnteljast_ fjrmlafyrirtki_  e= _ samkvmt_ Ԁlgumnr.161/2002.M;taYarfverklagviWeftirlitmeW_ rekstrarflgunum_ Ԁog 0 sj;WumreknumafYeimsamkvmtnUjumlgum.Ennfremurber_ Fjrmlaeftirlitinu_ ԀaWtaka  afstWutilYesshvortflgsemstundafjrfestingarfalliundirlginogtryggjasamrmda  beitinguYeirrakvWa.AWaukifermikilltmikynningunUjumlgum,tlkun i einstkum_ kvWum_ ԀognnursamskiptiviWYaWilasemfallaundirlgin. \4   Framangreindvinnastendurnyfir.VinnaviWYessiverkefnisWarihlutarsins2002 ' ogfyrrihlutarsins2003gefurtilkynnaaukiWumfangvinnu_ Fjrmlaeftirlitsins_ .Geram  rWfyriraWaukiWumfangvegnaYessagetinumiWumeinu_ rsverki_ ԀYessuri.XaWermat  _ Fjrmlaeftirlitsins_ ԀaWsYrfverWitilstaWarnstutvr.Vntingar_ Fjrmlaeftirlitsins_  `  standahinsvegartilYessaWnUjulginmunitillengritmastuWlaaWaukinni_ skilvirkni_ ,bWi S+! starfsemiYeirrafyrirtkjasemundirlginheyraogeftirliti_ Fjrmlaeftirlitsins_ . "   TilviWb;tarviWframangreintvarfrumvarptilnUrralagaum_ vtryggingarsamninga_ Ԁlagt # fyrirAlYingi_ vorYingi_ ԀsemfelursrviWamiklarbreytingarlggjftttilaukinnar  $ _ neytendaverndar._  !W% 2.2.  Tilskipanir_ Evr;pusambandsins_ . #'   vegum_ Evr;pusambandsins_ Ԁeru_ frgengnar_ ԀeWaundirbningiallmargartilskipanirsem #( varWa_ fjrmlamarkaW_ .RtteraWreifahelstutilskipanirYessusviWi. $ )   v%N!* &   TilskipanirsemsamYykktarhafaveriWsWustutveimurrumogbiWeraWinnleiWa ( slenskanrtt:  ! ! (8x ikmo    "i0J"  i0Ji2  1  .3  Ԉ0    _ Bankatilskipunin_ Ԁ(2000/12/EB).i0Ji݌ Ќ  "i0J"  i0J2  2  .3  Ԉ0    _ kutkjatryggingar_ Ԁ(2000/26/EB).i0J݌a Ќ  "i0J"  i0J2  3  .3  Ԉ0    _ Rafeyrir_ Ԁ!breyting_ bankatilskipun_ Ԁ(2000/28/EB).i0J݌T, Ќ  "i0J"  i0J2  4  .3  Ԉ0    _ Rafeyrir_ Ԁ!tilskipunum_ rafeyrisfyrirtki_ Ԁ(2000/46/EB).i0J݌ Ќ  "i0J"  i0JG2  5  .3  Ԉ0    SkiptiupplUsingumviWYriWjulnd(2000/64/EB).i0JGt݌ Ќ  "i0J"  i0Jb2  6  .3  Ԉ0    Slit_ vtryggingaflaga_ Ԁ(2001/17/EB).i0Jb݌  Ќ  "i0J"  i0J2  7  .3  Ԉ0    Tilskipunum_ kauphallir_ Ԁ(2001/34/EB).i0J݌ X Ќ  "i0J"  i0J2  8  .3  Ԉ0    _ PeningaYvtti_ Ԁ(2001/97/EB).i0J݌K #  Ќ  "i0J"  i0J2  9  .3  Ԉ0    _ VerWbrfasj;Wir_ Ԁ!_ fjrfestingarheimildir_ Ԁ(2001/107/EB).i0J݌   Ќ  "i0J "  i0J112  10  .3  Ԉ0    _ VerWbrfasj;Wir_ Ԁ!_ rekstrarflg_ Ԁ(2001/108/EB).i0JK݌   Ќ  "i0J "  i0Ju112  11  .3  Ԉ0    _ GjaldYol_ Ԁ_ lftryggingaflaga_ Ԁ(2002/12/EB).i0Ju݌  Ќ  "i0J "  i0J112  12  .3  Ԉ0    _ GjaldYol_ Ԁ_ skaWatryggingaflaga_ Ԁ(2002/13/EB).i0J݌wO  Ќ  ' (   LghafaveriWsettAlYingitil_ innleiWingar_ ԀallraYessaratilskipana.0sumumtilvikum B  eftiraWsetjareglugerWeWareglurumnnariframkvmd.0kafla2.1hraWframanhefur    veriWfjallaWumhrifnUrralagaum_ fjrmlafyrirtki_ Ԁog_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ ,   enYareru_ innleiddar_ ԀYrtilskipanirsemmesthrifgetahaftstarf_ Fjrmlaeftirlitsins_ . {  SamYykktareWavntanlegartilskipanirsviWi_ verWbrfaviWskipta_ : 9 ! ! (88 "i0J"  i0J2  1  .3  Ԉ0    _ MarkaWsmisnotkun_ Ԁ(samYykkt2003!_ innleiWing_ Ԁ2004).i0JG݌ Ќ  "i0J"  i0Ju2  2  .3  Ԉ0    _ BtboWslUsing_ Ԁ(samYykkt2003!_ innleiWing_ Ԁ2004!2005).i0Ju݌ Ќ  "i0J"  i0J2  3  .3  Ԉ0    _ VerWbrfaYj;nusta_ Ԁ(vntanleg2004!_ innleiWing_ Ԁ2004!2005).i0J݌r Ќ  "i0J"  i0JD2  4  .3  Ԉ0    _ UpplUsingaskylda_ Ԁ(vntanleg2004!_ innleiWing_ Ԁ2004!2005).i0JDq݌e= Ќ  "i0J"  i0J2  5  .3  Ԉ0    _ YfirtkutilboW_ Ԁ(vntanleg2004!_ innleiWing_ Ԁ2004!2005).i0J݌0 Ќ    XessartilskipanireruhlutiafsvoklluWu_ Lamfallussy_ -ferlisemlUsterkafla1.2hraW  framan._ Tilskipanirnar_ Ԁfimmerualmennar_ rammatilskipanir_ ԀengrunniYeirramun  _ framkvmdastj;rn_ Ԁ_ ESB_ ԀsetjafjlmargarnnarireglurumframkvmdYeirrameWaWstoW i _ srstakra_ ԀnefndasemkomiWhefurveriWf;tYessuskyni.ErfitterYessustigiaWmeta \4 hrifYessaratilskipanaumfang_ eftirlitsins_ .Lj;sterY;_ t.d._ ԀaWlagabreytingarvegna ' _ tilskipunar_ Ԁum_ tboWslUsingar_ Ԁmunufra_ Fjrmlaeftirlitinu_ ԀauknabyrgW  _ skrningarlUsingum_ .  SamYykktareWavntanlegartilskipanir/reglugerWirWrumsviWumen_ verWbrfamarkaWi_ : S+! ! ! (88"i0J"  i0J2  1  .3  Ԉ0    Slit_ lnastofnana_ Ԁ(samYykkt2001!_ innleiWing_ Ԁ2004).i0J݌" Ќ  "i0J"  i0J!2  2  .3  Ԉ0    Frslur_ evrum_ Ԁmillilanda(samYykkt2001!_ innleiWing_ Ԁ2004).i0J!N݌# Ќ  "i0J"  i0J2  3  .3  Ԉ0    _ Fjarsala_ Ԁ_ fjrmlaYj;nustu_ Ԁ(samYykkt2002!_ innleiWing_ Ԁ2004).i0J݌ $ Ќ  "i0J"  i0J2  4  .3  Ԉ0    _ FjrmlaveW_ Ԁ(samYykkt2002!_ innleiWing_ Ԁ2003).i0J<݌!W% Ќ  "i0J"  i0Jf2  5  .3  Ԉ0    Lfeyrissj;Wir(samYykkt2003!_ innleiWing_ Ԁ2004).i0Jf݌J""& Ќ  "i0J"  i0J2  6  .3  Ԉ0    _ VtryggingamiWlun_ Ԁ(samYykkt2002!_ innleiWing_ Ԁ2003).i0J݌#' Ќ  "i0J"  i0J2  7  .3  Ԉ0    _ Fjrmlasamsteypur_ Ԁ(samYykkt2003!_ innleiWing_ Ԁ2004).i0J-݌#( Ќ  "i0J"  i0J[2  8  .3  Ԉ0    Upptaka_ reikningsskilastaWla_ Ԁ_ AlYj;WareikningsskilarWsins_ Ԁ(reglugerWsamYykkt2002 $ ) !_ innleiWing_ Ԁ2004).i0J[݌v%N!* Ќ  "i0J"  i0J-2  9  .3  Ԉ0    NUjar_ Basel_ -reglur(vntanlegar2004!_ innleiWing_ Ԁ2006).i0J-Z݌A&"+     '",   & a  SumarframangreindratilskipanamunuhafatalsverWaYUWingufyrirumfangeftirlits. ( _ Langmesta_ ԀYUWinguaWYessuleytihafanUjar_ eiginfjrreglur_ Ԁ(_ Basel_ -reglur),semfjallaW  _ verWur_ Ԁ'a(nnarumkafla2.3hreftir,ogupptaka_ reikningsskilastaWla_   _ AlYj;WareikningsskilarWsins._  a   GerterrWfyriraW_ reikningsskilastWlum_ Ԁ_ AlYj;WareikningsskilarWsins_ ԀverWibeitt T, _ reikningsskilum_ Ԁfyrir_ samstWureikningsskil_ ԀtgefendaskrWraverWbrfavegnarsins2005  ogaW_ innleiWingu_ ԀreglnannaverWilokiWrinu2004.Undirbningurstendurnyfirlndum  innanEvr;pska_ efnahagssvWisins_ ԀvegnaYessa.FyrirligguraWmrgumrkjumverWur   byrgW_ innleiWingu_ ԀogeftirlitimeWframkvmdnUrrareglnalgW_ fjrmlaeftirlit_ .  X _ kvarWanir_ Ԁumtilhguneftirlitsvegna_ staWlanna_ Ԁhrlandiliggurekkifyrir.Xverekki K #  hgtaWmetahrifYessaumfangstarfsemi_ Fjrmlaeftirlitsins_ .X;liggurfyriraW    _ FjrmlaeftirlitiW_ ԀmunYurfaaWhugaaWbreytingumreglumsemYaWseturumreikningsskil    fyrirtkja_ fjrmlamarkaWi._ Ԁ_ M.a._ ԀYarfaWtakakvrWunumhvort_ staWlarnir_ ԀverWiaW   einhverjuleytitekniruppvegna_ fjrmlafyrirtkja_ ԀsemekkierutgefendurskrWra wO  verWbrfa. B    kvWilagaum_ vtryggingamiWlara_ ԀeruendurskoWunmeWtillititilnUrrar_ tilskipunar_ .    TilskipuninstyrkirrttarstWuneytendaoggerirrWfyrirskrninguogeftirlitimeWllum   YeimsemkomaaWslu_ vtrygginga_ .GeramrWfyriraW_ FjrmlaeftirlitiW_ Ԁmunihafaauknu {  hlutverkiaWgegnavegnaYessa. nF 2.3.  NUjar_ eiginfjrreglur_ .    alYj;WlegumvettvangihefurundanfarinrveriWunniWaWnUjum_ eiginfjrreglum_ Ԁfyrir  bankasemmunukomastaW_ Basel_ ԄreglnannaYessusviWifrrinu1988.GerterrWfyrir r aWnUjureglurnarmuniliggjaendanlegafyrirseintrinu2003afhlfu_ Basel_ -nefndarinnar e= um_ bankaeftirlit_ Ԁogsnemmarinu2004afhlfu_ Evr;pusambandsins_ .tlaWeraW 0 _ gildistaka_ ԀnUjureglnannaverWirslok2006.XrreglursemsettarverWaafhlfu_ ESB_ Ԁmunu  gildafyrirallarlnastofnanirogverWbrfafyrirtki._ FjrmlaeftirlitiW_ ԀhefurfylgstmeW  YessarivinnuogtekiWYtthennibWi_ Evr;puvettvangi_ Ԁogvettvanginorrnssamstarfs. i NUjureglurnarmunubyggjastYremurstoWum,sbr.eftirfarandi: \4   0fyrstalagierstoW1semfelursrbreytingartreikningi_ httugrunns_ ԀmeWhliWsj;n ' af_ nkvmari_ Ԁmlingum_ httum_ Ԁstarfsemi_ fjrmlafyrirtkja_ Ԁengertersamkvmt  nverandireglum.0aWalatriWumverWurboWiWupptvrleiWirYessusambandi.Annars  _ vegar_ ԀersvonefndstWluWaWferWsemfelurekkisrst;rvgilegarbreytingarfrngildandi `  reglum,enhinsvegarerumaWrWasvonefndainnramatsaWferWsemfelursraW S+! _ eiginfjrYrf_ Ԁ_ fjrmlafyrirtkis_ ԀverWurreiknuWtgrundvelliinnramatsfyrirtkisins " tilteknum_ httuYttum_ Ԁoger_ m.a._ ԀmiWaWviWsgulegggnumvanskil_ tlna_ Ԁog # _ vanskilalkur_ Ԁog_ tilteknar_ ԀforsendurumlklegtpmiWaWviWtiltekinvanskil.Innramats  $ aWferWinkrefst_ umfangsmikillar_ Ԁ_ upplUsingasfnunar_ Ԁoggreiningarafhlfu !W% _ fjrmlafyrirtkisins_ Ԁoginnra_ eftirlitskerfis_ ԀsemfYarfnokkurskonar_ vottun_ ԀfrviWkomandi J""& _ fjrmlaeftirliti_ .:lklegtertaliWaWaWrirenYrrstrstubankarnirhrlandimunibeita #' innramatsaWferWinniogliggurekkifyrirhvortnhvenrafYvyrWi. #(   0WrulagierstoW2semernUrYttur_ eiginfjrreglum_ Ԁsemfelursrskyldu $ ) _ fjrmlaeftirlita_ ԀtilaWleggjamathvorteiginfjrhlutfallsrhvers_ fjrmlafyrirtkis_ Ԁs v%N!* fullngjandimeWhliWsj;naf_ httustigi_ ԀviWkomandifyrirtkisogerYvsambandi_ m.a._  A&"+ gertrWfyriraW_ fjrmlaeftirlitin_ Ԁhverjulandibyggiupp_ httumatskerfi_ Ԁsemgefihverju  '", sinnitilkynna_ httustig_ ԀogviWunandiinnri_ eftirlitsaWgerWir_ Ԁhjsrhverju_ fjrmlafyrirtki_ . '#- Slkt_ httumatskerfi_ ԀyrWigrundvllurfyrirkvarWanirumhrra_ lgmarkseiginfjrhlutfall_  (z$. hj_ einstkum_ Ԁfyrirtkjumen_ lgbundiW_ ԀlgmarkkveWurum.Xettamat_ fjrmlaeftirlita_ Ԁ ( _ httustigi_ Ԁoginnraeftirlitihj_ fjrmlafyrirtkjum_ ԀYarfaWfaraframaWlgmarkirlega.  StoW2gerirennfremurrWfyriraWhvertogeitt_ fjrmlafyrirtki_ ԀleggieigiWmat  _ lgmarkseiginfjrYrf_ ԀmiWaWviW_ httustig_ ԀoginnraeftirlitogaW_ fjrmlaeftirlit_ ԀviWkomandi a rkis_ yfirfari_ ԀYaWmat._ FjrmlaeftirlitiW_ ԀhefuraWhlutatilhafiWundirbningaWYessu,_ m.a._  T, tengslumviWheimildir_ eftirlitsins_ ԀtilaWkveWahrri_ eiginfjrhlutfll_ Ԁsamkvmtlgumum  _ fjrmlafyrirtki,_ Ԁsbr.umfjllunhraWframan.    0YriWjalagierumaWrWastoW3semfelursraukiW_ markaWsaWhald_ ,_ Y.e._ ԀgerWarverWa   krfurumaukna_ upplUsingagjf_ ,_ t.d._ Ԁ_ reikningsskilum_ Ԁum_ httur_ Ԁstarfsemi  X _ fjrmlafyrirtkja,_ ԀYannigaW_ fjrfestar_ Ԁog_ lnveitendur_ ԀhafabetriforsendurenWurtilaW K #  leggjamat_ httur_ ԀsemfelaststarfsemiviWkomandi_ fjrmlafyrirtkja_ .XessiYttur    skarastaW_ einhverju_ ԀleytiviWfyrirhugaWa_ innleiWingu_ Ԁ_ reikningsskilastWlum_     _ AlYj;WareikningsskilarWsins_ ԀfyrirskrWfyrirtkihrlandifrogmeWrinu2005.     EinsogframangreindlUsingbermeWsrmunuhinarnUju_ eiginfjrreglur_ ԀhafafrmeW wO  srUmsarbreytingarsemauglj;slegakallaaukinnstarfskraftafhlfu_ Fjrmlaeftirlitsins_ . B  VinnaviWaWinnleiWanUjartilskipanirYessusviWireglurhrlandihefstaffullumYunga    byrjunrs2004.Yessustigierlj;staWstoW2munhafafrmeWsrbWiauknavinnu   ogbreyttarherslurframkvmdeftirlitsmeW_ fjrmlafyrirtkjum_ ԀogYaWbWiviWum {  _ eftirlit_ Ԁvettvangi(_ on_ -siteeftirlit)ogutan_ starfsstWvar_ Ԁ(off-siteeftirlit).HvaWvarWar nF _ Wurnefnda_ ԀstoW1skiptirmliviWmat_ starfmannaYrf_ Ԁhvorteinstakirbankarmunuvelja 9 aWbeitasvonefndriinnramatsaWferWenYaWerekkilj;stYessustigi.EfsaWferWyrWivalin  afeinumeWafleiribnkumhrlandiYyrftiaWmtaYvafhlfu_ Fjrmlaeftirlitsins_ ԀmeW  _ auknum_ Ԁstarfskraftioghugsanlegaeinnig_ aWkeyptri_ ԀsrfrWiYj;nustu.XriWjastoWin,sem r nefndvarhrundanmuneinogsrekkihafaumtalsverWhrifviWmat_ starfsmannaYrf_ . e=   Nrallarerlendar_ systurstofnanir_ Ԁsem_ FjrmlaeftirlitiW_ ԀersamstarfiviWgerarWfyrir 0 _ umtalsverWri_ Ԁfjlgunstarfsf;lkstengslumviWfyrirhugaWarbreytingar_ eiginfjrreglum_ Ԁog  hefursfjlgunmrgumtilvikumYegarkomiWtilframkvmda,_ a.m.k._ ԀaWhluta.   3.  Starfsemi_ Fjrmlaeftirlitsins_ .  \4 3.1.  Verkefni_ Fjrmlaeftirlitsins_ Ԁ!_ starfstilhgun_ . '   Verkefni_ Fjrmlaeftirlitsins_ Ԁeruafmjgfjlbreyttumtoga._ FjrmlaeftirlitiW_ Ԁsinnir  _ reglubundinni_ Ԁgagnasfnun,eftirlitigrundvellihennarogmiWlun_ samandreginna_   upplUsingaum_ fjrmlamarkaWinn_ ԀsemnUstgetaalmennu_ markaWsaWhaldi_ .EftirlitiWveitir `  og_ afturkallar_ ԀstarfsleyfieWaveitirumsagnirumslkarkvarWanir,veitirsamYykkifyrirflun S+! virkra_ eignarhluta_ ԀogstaWfestirUmsarreglurogaWgerWirsemmikluvarWa_ fjrmlamarkaWi_ . " XaW_ framkvmir_ Ԁ_ ttektir_ ԀeWakannanirh;pi_ eftirlitsskyldra_ ԀaWilaeWaathuganirvettvangi # hj_ einstkum_ Ԁfyrirtkjum.EftirlitiWgefurtalmennleiWbeinanditilmli,seturreglursem  $ YverfaliWaWsetjasamkvmtlgumogstenduraWUmisskonar_ kynningarstarfi_ ,_ m.a._ ԀmeW !W% rekstri_ heimasWu,_ ԀtgfuupplUsingaum_ eftirlitsskylda_ ԀaWilaogrsskUrslu.Einnigsinnir J""& eftirlitiW_ fyrirspurnum,_ Ԁinnlendumsemerlendum,ogtekurviW_ kvrtunarmlum_ Ԁsemekkieru #' tk_ rskurWarnefndir_ Ԁsem_ FjrmlaeftirlitiW_ Ԁvistar.Xtekur_ FjrmlaeftirlitiW_ ԀYtt #( samstarfi_ fjrmlaeftirlita,_ Ԁeinkumnorrnumogevr;pskumvettvangi. $ )   Meginhlutverk_ Fjrmlaeftirlitsins_ ԀeraWtakmarkahttuna_ fllum_ Ԁ_ fjrmlamarkaWi_  v%N!* eWamistkumstarfsemi_ eftirlitsskyldra_ ԀaWila.ErfitteraWmetarangurafstarfi A&"+ _ Fjrmlaeftirlitsins_ ԀYarsemhannverWurfyrstogfremstmldurYeim_ fllum_ Ԁogmistkum  '", semstefnirenunnteraWkomavegfyrirtma. '#-  (z$.   _ FjrmlaeftirlitiW_ ԀsinnirYessumeginhlutverkisnueinkummeWsvoklluWu ( _ frumkvWiseftirliti,_ Ԁ_ Y.e._ ԀathugunumogWrumverkefnumsem_ FjrmlaeftirlitiW_ ԀkveWur  sjlftaW_ rWast_ ԁ.    MikilvgastiYtturYessa_ frumkvWiseftirlits_ Ԁereftirlitvettvangi(_ on_ -site). a _ FjrmlaeftirlitiW_ ԀferYstarfsstW_ fjrmlafyrirtkis_ ,aflarYargagnaogupplUsingafr T, stj;rnendumogstarfsmnnum.NiWurstWurathugunarogeftiratvikumkrfurumrbtur  erusWansettarframskUrslum.MrgdmieruYessfr_ undangengum_ ԀrumaWslkar  athuganirhafileittlj;sveikleikastarfsemifyrirtkjasemrWrmreyndisttilaWbtar,   enhefWuellagetaWskaWaWalvarlegahagsmuniviWskiptamanna.DmiumathuganirafYessu  X tagieruathuganir_ tlnagWum_ Ԁog_ afskriftaYrf_ Ԁ_ lnastofnana_ .Krfur_ Fjrmlaeftirlitsins_  K #  umaukin_ afskriftaframlg_ Ԁhafaallmrgumtilvikumleittlj;sslakaeiginfjrstWu    _ lnastofnunar_ ԀsembrugWisthefurveriWviWmeWendurskipulagningu.      _ Fjrmlaeftirlit_ ԀngrannalndunumleggjamiklahersluYennanYttstarfisnu.   _ AlYj;Wagjaldeyrissj;Wurinn_ Ԁhefurennfremurlagtherslu_ vettvangseftirlit_ Ԁ_ ttektum_ Ԁsnum wO  eftirlitinuhrlandi._ FjrmlaeftirlitiW_ ԀhefurleitastviWaWstyrkja_ vettvangseftirlitiW_ Ԁen B  engusWurerYaWmat_ eftirlitsins_ ԀaWstyrkjaYurfiYessastarfsemiennfrekar,einkum    _ lfeyrismarkaWi._ ԀtlamaWum6!12%afYeimtmasem_ FjrmlaeftirlitiW_ Ԁhefurtil   _ rWstfunar_ ԀsvariW_ vettvangseftirlit_ . {    St;rYtturstarfi_ Fjrmlaeftirlitsins_ ԀerhinsvegaraWsinna_ Yj;nustuhlutverki_ Ԁgagnvart nF _ eftirlitsskyldum_ ԀaWilumog_ viWskiptamnnum_ ԀYeirra._ FjrmlaeftirlitiW_ ԀafgreiWirrlega 9 _ mikinn_ ԀfjldaerindasemYvberast.UmeraWrWaums;knirumleyfiogbeiWnirum  _ staWfestingar_ ԀafUmsumtoga,beiWnirumtlkunlaga,kvartanirfr_ viWskiptamnnum_   _ eftirlitsskyldra_ ԀaWilaogUmisskonarfyrirspurnir.NefnamaWfyrrihlutarsins2003voru r tilmeWferWaryfir360formlegerindiafYessutagi.tlamaWum20%afYeimtmasem e= _ FjrmlaeftirlitiW_ ԀhefurtilrWstfunarsvariWYessiverkefni. 0   EftirlitiWleggurherslugreiWamlsmeWferWYessaramlaoghefursettleiWbeiningarum  mlsmeWferWog_ mlshraWa_ ԀYvskyni.    AfarmikilvgteraW_ FjrmlaeftirlitiW_ ԀsstWutilaWrWstafangumhlutaaftma i _ snum_ Ԁ_ frumkvWisverkefni_ ԀsemWurerunefnd._ FjrmlaeftirlitiW_ ԀbUrstarfsemisinniviW \4 YhttuaWYurfaaWthlutasvomiklumhlutatmasnsafgreiWsluerindaafUmsutagiaW ' YaWhafiekkingilegantmaaflgutilYessaWsinna_ frumkvWiseftirliti_ .BrugWisthefurveriW  viWYessarihttumeWYvaWvinnafyrirhvertrtlunfyrirsrstkverkefni,_ Y.e._ Ԁverkefni  semeftirlitiWkveWurgrundvelli_ forgangsrWunar_ ԀogfyrirbyggjandieftirlitsaWsinna. `  _ Veigamesti_ Ԁ_ verkefnaflokkurinn_ Ԁsemfellurhrundirereftirlitvettvangi(_ on_ -site),enaWrir S+! _ verkefnaflokkar_ Ԁeru_ ttektir_ Ԁogkannanir(off-site),m;tuntilmlaogreglna,m;tuneftirlits " ogrekstur/skipulag._ FjrmlaeftirlitiW_ ԀhefursettsrYaWmarkmiWaWverjaum30%af # _ rWstfunartma_ ԀsnumYessa_ verktlun_ .XaWhlutfallhefurY;hingaWtilveriWlgra.  $ 3.2.  MarkmiW_ Fjrmlaeftirlitsins_ Ԁ_ starfsmannamlum_ . J""&   Innraskipulagogstefnum;tun_ Fjrmlaeftirlitsins_ Ԁ_ starfsmannamlum_ Ԁhefurgrundvallast #' tilteknum_ meginmarkmiWum_ .RtteraWreifamarkmiWinogaWgerWirtilaWnYeim. #( _ MarkmiWin_ ԀeruYessi: $ ) ! ! 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IS,.UK,._    0  Samsetning_ Fjrmlaeftirlitsins_ Ԁneftirmenntunereftirfarandi:,   0  _ ViWskiptafrWileg_ Ԁmenntun .F F $45%   0  LgfrWingar .j j 25%   0  _ TryggingastrWfrWingar_ : . #6%b   0  _ TlvunarfrWingar_ : .  6%T,   0  _ Skrifstofuf;lk_ ,aWrir: .h h !18%    0     v Rmlega60%starfsmannahafastarfaW_ Fjrmlaeftirlitinu_ Ԁog_ forverum_ ԀYessmeira ! entvr,samanboriWviWrmlega50%rinu2001.HlutfallstarfsmannameWminni " _ starfsreynslu_ Ԁ_ Fjrmlaeftirlitinu_ ԀentvrgefuraWeinhverjuleytivsbendinguumaW |T# vntamegimeiriafkastameW;breyttum_ starfsmannafjlda_ .m;tikemuraW F $ _ FjrmlaeftirlitiW_ ԀhefurgripiWtilUmissarWatilaWauWveldastarfsf;lkiaWnsnemma !% _ g;Wum_ Ԁafkstum,_ t.d._ ԀmeWYvaWrekamarkvissa_ smenntunarstefnu_ .Xhefur !& _ Fjrmlaeftirlitinu_ ԀauWnastaWviWaaWsr_ vWtkri_ ԀreynsluogmenntunmeW "|' _ nUrWningum_ .FlestirYeirra_ starfsmanna_ ԀsemrWnirhafaveriWerumeW n#F( framhaldsmenntunog/eWa_ starfsreynslu_ Ԁ_ hrlendis_ ԀeWaerlendissemnUtist 8$ ) _ Fjrmlaeftirlitinu_ Ԁvel.% *   0     v MeWalaldurstarfsmannaernrmlega41r._ Starfsmannavelta_ Ԁrinu2001namum %!+ 7%enum11%rinu2002.&n",   0     v _ FjrmlaeftirlitiW_ ԀhefurunniWmarkvisstaWYvaWtryggjaaWYaWbiaWfjlbreyttum `'8#- oghfumh;pistarfsmannasemdugitilYessaWleysaafhendiYauverkefnisem *($. _ Fjrmlaeftirlitinu_ ԀhafaveriWfalin.SmW_ eftirlitsins_ ԀfelurhinsvegarsrtalsverWa ( httu._ Fjlbreytileiki_ ԀYeirraverkefnasem_ Fjrmlaeftirlitinu_ ԀertlaWaWsinnagerirYaW  aWverkumaWsrhfingogyfirsUnyfirtiltekiWmlefnierjafnanbundinviWeinn  einstakanstarfsmannenekkitvostarfsmenneWah;pstarfsmanna.AfYvleiWiraWYegar ^ _ starfsmaWur_ ԀlturafstrfumerhttaaWYekkingogyfirsUntilteknusviWiglatist P( _ Fjrmlaeftirlitinu_ ԀYartilannarstarfsmaWurhefurnWtkumverkefninu.ReynteraW  bregWastviWYessumeW_ sveigjanlegu_ Ԁskipulagioguppbyggingu_ gWahandb;kar_ ԀYarsem  haldiWertilhaga_ verklUsingum_ Ԁog_ gtlistum_ .  "i0J"  i0Jp2+P  2  .3  Ԉ0    AWgefnuYvaWfyrrgreintmarkmiWsuppfylltberiaWhaldastrWstofnunarinnarinnan x P kveWinnamarka,Yarsemsmrrieiningargefifrisveigjanlegraskipulagi, B   _ einfaldari_ Ԁrekstriogmeiri_ skilvirkni_ .i0Jpp݌   Ќ    0     v XaWhefurveriWogerlit_ Fjrmlaeftirlitsins_ ԀaWskilegtsaWhaldastrW    _ stofnunarinnar_ ԀinnankveWinnamarkaaWYvgefnuaWhenniauWnistengusWuraWsinna  x  Yeimverkefnumsemhennierufalin.Innraskipulag_ Fjrmlaeftirlitsins_ ԀmiWaraWYessu. jB  NefnameftirfarandiYvsambandi:4  "m"  m3u0  0 2+P!3  Ԉ0v  Stj;rnskipulagYarsemherslaerlgWaWYekkingogreynslasemstarfsmennba   yfirnj;tisnogaWauWveltsaWnUtahanaYeimverkefnumsemliggjafyrirhverju   sinni.SrfrWingumogstarfsmnnumerekkimarkaWursrstaklegastarfsvettvangur j  tilteknusviWifjrmlastarfsemiheldurvinnaYeirYeimsviWumYarsemYekking \4 YeirranUtist.SjnnarlUsinguskipulagi_ heimasWu_ Ԁ_ Fjrmlaeftirlitsins_ .m3u`u݌&vv Ќ  "m"  mx0  0 2+P!3  Ԉ0v  Xr;aWhefurveriW_ verktlunarkerfi_ ԀsemtlaWeraWtryggjaeWlilega_ forgangsrWun_   verkefnaogjafnframtaW_ FjrmlaeftirlitiW_ Ԁ_ rWstafi_ ԀnauWsynlegumtmatil  _ frumkvWisverkefna._ mxx݌\vv Ќ  "m"  m%{0  0 2+P!3  Ԉ0v  SettarhafaveriWleiWbeiningarummlsmeWferWsemtlaWeraWtryggjartta N& _ meWhndlun_ ԀverkefnaogeWlilegan_ mlshraWa_ .m%{R{݌vv Ќ  "m"  m|0  0 2+P!3  Ԉ0v  UnninhefurveriW_ gWahandb;k_ Ԁinnraneti_ Fjrmlaeftirlitsins_ ԀsemhefuraWgeyma  _ verklUsingar_ Ԁog_ gtlista_ ԀsemvarWahelstuverkefni_ eftirlitsins_ .m|*}݌vv Ќ  "m"  mG0  0 2+P!3  Ԉ0v  Starfsemi_ Fjrmlaeftirlitsins_ Ԁbyggist_ mlaskrningarkerfi_ Ԁsem_ m.a._ Ԁfelursr vN _ tmaskrningu_ Ԁeinstakraverkefna.XessikerfierunUtt_ verkstj;rnun_ Ԁinnan_ eftirlitsins_  @ ogstyWjaviW_ hagrWingu_ Ԁoghagkvmnistrfum.mGt݌ vv Ќ  "m"  m-0  0 2+P!3  Ԉ0v  _ FjrmlaeftirlitiW_ Ԁrekurmarkvissa_ smenntunarstefnu_ ԀsemtlaWeraWflUta  _ Yekkingarflun_ ԀstarfsmannaogstuWlaaWYvaW_ FjrmlaeftirlitiW_ ԀbiyfirYeirri v YekkingusemYvernauWsynlegtilaWsinnaverkefnumsnum.m-Z݌h@ vv Ќ    0     v tlamaWverulegfjlgunstarfsmanna_ Fjrmlaeftirlitinu_ Ԁmyndikallabreytingar 2 ! skipulagistofnunarinnar.XannigyrWinauWsynlegtaWtakaupphefWbundnaraskipulag " meWmeiri_ deildaskiptingu_ Ԁogauknu_ utanumhaldi_ .# "i0J"  i0J2+P  3  .3  Ԉ0    AWleitaWverWileiWatilaWbregWastviWauknuumfangieftirlitsognUjumverkefnummeW  h$ fleirirWumenfjlgun_ fastrWinna_ Ԁstarfsmanna.i0J݌Z!2% Ќ    0     v AWmati_ Fjrmlaeftirlitsins_ ԀerYaWgallistarfsumhverfiYessaW_ starfsmannaml_  $"& _ eftirlitsins_ ԀltiekkismureglumoggildaYeimfyrirtkjumsemYaWhefureftirlitmeW "' ogYaWkeppirviWumstarfsf;lk.0YvsambandimnefnaaWfastrWinnstarfsmaWur #( _ Fjrmlaeftirlitinu_ ԀhefuraWrarttarstWu,samkvmtlgumumrttindiogskyldur $Z ) _ opinberra_ Ԁstarfsmanna,enstarfsmennfyrirtkja_ fjrmlamarkaWi_ .SveigjanleikistrW L%$!* _ eftirlitsins_ Ԁer_ t.d._ Ԁminnienfyrirtkja_ fjrmlamarkaWi_ ԀYarsemaWrarreglurgildaum &!+ uppsagnirstarfsf;lks._ FjrmlaeftirlitiW_ ԀYverfiWarameWaWbregWastviWsveiflum &", _ fjrmlamarkaWi_ Ԁogverkefnumeftirliti.AWsamaskapier_ fastrWning_ ԀnUrra '#- _ starfsmanna_ ԀlklegtilaWafmarkastrW_ eftirlitsins_ Ԁtillengritmaenella.t(L$.   0     v _ FjrmlaeftirlitiW_ ԀhefurhugaWaW_ rrWum_ ԀtilaWbregWastviWYessu.0skUrslusWasta ( rsumrekstur_ Fjrmlaeftirlitsins_ ԀtilYriggjaravarnefntaWrUmriheimildirtilaWfela  utanaWkomandi;hWumaWilumtiltekinverksemtengjasteftirlitikomiveltilgreina.  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P( _ FjrmlaeftirlitiW_ ԀlUstisigreiWubiWtilaWkannamguleikaaWmtahugsanlegum  auknumkrfumumeftirlitmeWtboWumverWbrfameWsvipuWumhtti.   0     v _ FjrmlaeftirlitiW_ ԀhefurleitaW;formlegaviWhorfanokkurra_ systurstofnana_ ԀvarWandi   nUtingu_ aWkeyptri_ ԀYj;nustueinstkumverkefnum.AfYeimviWhorfummrWaaW x P _ aWkeypt_ ԀYj;nustagetinUstmjgafmrkuWumverkefnum.HinsvegarhafireynslasUnt B   eftirfarandi;kosti:   "m"  m{0  0 2+P!3  Ԉ0v  AWkeyptYj;nustafrhfumsrfrWingumerafarkostnaWarsm.m{݌  vv Ќ  "m"  m0  0 2+P!3  Ԉ0v  MinniYekkingogreynslahlUstafverkefninuinnan_ eftirlitsstofnunarinnar_ .m݌ x vv Ќ  "m"  m0  0 2+P!3  Ԉ0v  ErfiWaraeraWskapafordmioggta_ jafnrWis_ ԀmlsmeWferWogrlausnum.mG݌jB vv Ќ  "m"  m0  0 2+P!3  Ԉ0v  Ssemsinnirhinni_ aWkeyptu_ ԀYj;nustuhefurekkismuaWstWuogyfirsUnog 4  _ srfrWingar_ Ԁ_ eftirlitsins_ Ԁogskynjarhlutverksittannanhtt.HttaerYvaW   _ Yj;nustan_ ԀverWinnurenumvarbeWiWogskiliYvsWurrangri.m݌ vv Ќ    0     v MeWhliWsj;nafframansgWuhefur_ FjrmlaeftirlitiW_ ԀhugaWaWfleirileiWumttaW j  hinusettamarkmiWi.EinYeirragtiveriWaW_ FjrmlaeftirlitiW_ ԀrWitmabundiW \4 _ srfrWinga_ Ԁrh;pistarfandiendurskoWenda,lgfrWingaeWaannarrasemalmennt & sinna_ rWgjf_ Ԁoghafaeftirs;knarverWastarfsreynslu._ FjrmlaeftirlitiW_ ԀvriYstakk  biWtilaWbj;WaslkumsrfrWingumstarf,kjrogaWstWutilaWstarfa  _ Fjrmlaeftirlitinu_ ԀfyrirframkveWinntmaleyfifrsnufastastarfi.XessileiWhefur \ eftirfarandikosti:N& "m"  m20  0 2+P!3  Ԉ0v  _ FjrmlaeftirlitiW_ ԀfraWgangaWYekkinguogstarfsreynslusemaWeinhverjuleyti  stieftirgegnumsamstarfviWhinnutanaWkomandisrfrWing.m2_݌vv Ќ  "m"  m0  0 2+P!3  Ԉ0v  SrfrWingurinnyrWibetriaWstWutilaWsinnaYeimverkefnumsemhannvri  _ fenginn_ Ԁtil,heldurensrfrWingursemtekuraWsrhefWbundna_ aWkeypta_ ԀYj;nustu.m-݌vNvv Ќ  "m"  m 0  0 2+P!3  Ԉ0v  AWlkindumfengi_ FjrmlaeftirlitiW_ Ԁmeira_ vinnuframlag_ ԀmeWhlutfallslegaminni @ kostnaWi.m 7݌ vv Ќ  "m"  m0  0 2+P!3  Ԉ0v  _ FjrmlaeftirlitiW_ ԀhefWiekkibttviWsigfstumstarfsmanni.Xannigvrikostur  meirisveigjanleikastrW_ eftirlitsins_ Ԁfreinumtmatilannars.m݌vvv Ќ    0     v _ FjrmlaeftirlitiW_ ԀmunframhugaaWtfrsluYessara_ valkosta_ .h@  "i0J"  i0Jv2+P  4  .3  Ԉ0    AWtryggjahmarksafkststarfsmanna.i0Jv݌2 ! Ќ    0     v XauatriWisemrakinerumarkmiWi2hraWframanmiWaWrufremuraWYessu. " _ FjrmlaeftirlitiW_ ԀteluraW_ eftirfylgni_ ԀviWframangreintmarkmiWhafiskilaWg;Wum # afkstumYeirrasemnstarfaeftirlitinu.JafnframtnUtir_ FjrmlaeftirlitiW_ ԀvelY  h$ YekkinguogreynslusemstarfsmennYessbayfir.Z!2% "i0J"  i0Jԫ2+P  5  .3  Ԉ0    AW_ FjrmlaeftirlitiW_ Ԁs_ samkeppnishft_ Ԁ_ starfsmannamlum_ .i0Jԫ݌$"& Ќ    0     v _ FjrmlaeftirlitiW_ ԀhefurlagtYaWrkahersluaWvandavalnUrrastarfsmanna._ FME_  "' hefurkeyptYj;nusturWningarstofuYessuskyniogumleiWleitastviWaW_ markaWssetja_  #( sigsem_ eftirs;knarverWan_ ԀvinnustaW.herslahefurveriWlgWaWskapagott $Z ) _ vinnuumhverfi_ ԀYarsem_ m.a._ ԀerlgWherslafjlbreytnistarfiog_ smenntun_ .L%$!*   &!+  &    4.  Rekstur_ Fjrmlaeftirlitsins_ ԀnstuYrjr!samantektogniWurstWur.  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EkkiersvigrmtilaWmtaauknuumfangistarfsemi_ Fjrmlaeftirlitsins_ ԀmeW  _ ;breyttum_ Ԁ_ starfsmannafjlda_ ._ Fjrmlaeftirlitinu_ ԀernauWsynlegtaWhafasvigrmtilaW  haldahorfi_ frumkvWiseftirliti_ ԀogaukasumumsviWum,einkumeftirlitvettvangi vN (_ on_ Ԅsite),enhttaeraWaukinverkefnimeWnUrrilggjfkominiWurYeimYtti @ _ starfseminnar._ i0J%݌  Ќ    MeWhliWsj;nafframangreinduerYaWmat_ Fjrmlaeftirlitsins_ ԀaWmtaYurfiauknu  _ umfangi_ Ԁstarfsemi_ eftirlitsins_ ԀmeWauknumstarfskraftirinu2004.SYrfnemuraWmati v _ Fjrmlaeftirlitsins_ Ԁumeinuoghlfu_ rsverki_ . h@    XegarhorftertilnstuYriggjaratelur_ FjrmlaeftirlitiW_ Ԁlkurauknuumfangieftirliti. 2 ! :tmabrterhinsvegaraWleggjankvmaramatYrfinatillengritmaeneinsrs. "   Fi_ FjrmlaeftirlitiW_ Ԁsvigrmtilfjlgunar_ rsverka_ ԀmunYaWnUtaYaWnfjlgunar # _ fastrWinna_ Ԁstarfsmanna,samrmiviWumfjllun_ eftirlitsins_ ԀumreksturtilnstuYriggjara  h$ sembirtvarmeWrekstrartlunsWastariogsamrmiviWumfjllunkafla3.2hraW Z!2% framan. $"&  _ Fylgiskjal_ ԀII. O%'!* %!&!Au) dE>K& A^&!%!  &!+   litsamrWsnefndar_ eftirlitsskyldra_ ԀaWila &", rekstrartlun_ Fjrmlaeftirlitsins_ ԀfyrirriW2004.  '#-    {(S$.   MeWfylgjandierlitsamrWsnefndar_ eftirlitsskyldra_ ԀaWila,sbr.2.mgr.2.gr.laganr. ( 99/1999og4.gr._ rgl_ .nr.562/2001,viWrekstrartlun_ FME_ ԀfyrirriW2004ogskUrslu_ FME_   til_ viWskiptarWherra_ ԀumtlaWanrekstrarkostnaW,enendanlegrekstrartlunogskUrslaum  hanavorusendnefndinni5.septembersl. a   _ SamrWsnefndin_ ԀhefurfrYvaWhnvarsettstofnleitastviWaWsetjaframmlefnalega T, gagnrUniYr_ rekstrartlanir_ Ԁ_ FME_ ԀsemhennihafaveriWkynntarhaustin,endahlutverk  nefndarinnaraWveitanauWsynlegt_ kostnaWaraWhald_ ԀeftirlitimeWfjrmlastarfsemi.Xetta  hlutverknefndarinnarersrstaklegamikilvgtlj;siYessaWsviWifjrmlastarfsemier   _ eftirlitsstarfsemin_ Ԁgreiddaffyrirtkjunumsjlfum,enekkirkinueinsogalmennttWkast.  X Hlutverki_ samrWsnefndarinnar_ ԀmYannigjafnaviW_ aWhaldshlutverk_ ԀfjrmlarWuneytisog K #  AlYingishvaWvarWartgjldtilannarraopinberra_ eftirlitsstofnana_ Ԁfjrlgumhversrs.      _ FME_ ԀhefurekkerttillittekiWtilYeirra_ mlefnalegu_ ԀbendingasamrWsnefndar,semfram    komu_ minnisblaWi_ Ԁhennar,dags.29.gst,viWdrgaW_ rekstrartluninni_ .XaWer   _ samrWsnefndinni_ ԀmikilvgtaWsembestsamstarfhaldistmillihennarog_ FME_ ,enlj;ster wO  aWskrWverWa_ hoggin_ ԀYtaugefYaWverWurhefWbundiWverklag_ FME_ ԀaWhorfaekkiaW B  neinuleytitilYeirrabendingasemnefndinseturviW_ rekstrartlanir_ ԀYess.MeWhliWsj;n    afYessutelursamrWsnefndrttaWbirtaafturYessuformlegalitisnuflestarYr   bendingarsemkomufram_ minnisblaWinu_ . {    SamrWsnefndtelurmikilvgtaWhorftstilYessaW_ stj;rnsUslulegt_ Ԁhlutverk_ FME_ Ԁhefur nF stWugtveriWaWaukastsWusturin,nsWastmeWtilfrslu_ starfsleyfisveitinga_ ԀfrrWherra 9 til_ FME_ ,sbr.lgnr.161/2002.Xessiaukna_ stj;rnsUslustarfsemi_ ԀhlUturaWkomaniWurYeim  tmasem_ FME_ Ԁhefurtilraunverulegra_ eftirlitsstarfa_ .EinmittafYeimskumtelur  _ samrWsnefnd_ ԀtmabrtaWlggjafinnhugiaWYvhvortekkisrttaWbreytalgumnr. r 99/1999ogkveWaafdrttarlaustumaWhiWopinberatakisigfjrmgnunYeimYttum e= semltaaWhreinnistj;rnsUsluogstrfum_ FME_ ԀtengslumviWlaga-og_ reglusetningu_ ,meWal 0 annarshvaW_ alYj;Wasamstarf_ ԀvarWar,en_ eftirlitsskyldir_ ԀaWilargreiWieftirsemWurfyrirhiW  _ raunverulega_ Ԁeftirlitsem_ FME_ ԀhefurmeWhndum.XaWerraunarskoWunsamrWsnefndar  aW_ tlun_ ԀlggjafanshafiveriWsaWYannigskyldiYessuhttaWYegarlgnr.87/1998,um i _ opinbert_ ԀeftirlitmeWfjrmlastarfsemi,vorusett.Xarsegir1.gr.aWmarkmiWlagannas \4 aWstuWlaaWYvaW_ fjrmlstarfsemi_ ԀsemlgintakitilssamrmiviWlg,reglugerWir, ' reglur,ogsamYykktirsemhverjusinnigildaumstarfsemina.XettameginmarkmiWerskUrt  frekarlgunumsjlfum,Ysrstaklega8.gr.HvergierhinsvegarvikiWaWYv  umtalsverWa_ stj;rnsUsluhlutverki_ Ԁsem_ FME_ ԀhefursmmsamanveriWaWtakasthendur.0 `  samrmiviWYettaverWuraWskUra17.gr.laganna,semfjallarumgreiWslu S+! _ eftirlitskostnaWar,_ ԀYrngt_ Yannig_ ԀaW_ eftirlitsskyldum_ ԀaWilumseinvrWungutlaWaWbera " kostnaWafsjlfu_ eftirlitsstarfinu_ Ԁognnurverkefnisem_ FME_ ԀhefurmeWhndumhlj;tiYv # aWYurfaaWfjrmagnaannanhtt.  $   !W%  &   Reksturrsins2003.  ( ! ! $(u8x"ikmo    "i0J"  i0J2u  1  .3  Ԉ0    _ FME_ ԀgerirrWfyrirsamkvmtendurskoWaWritlunaW_ niWurstWutala_ ԀtilrWstfunar  rinu2003verWi2,2%lgriensamYykkttlungerWirWfyrir.ErskUringinsgW  _ YrYtt,_ Ԁ_ Y.e._ ԀaW_ srfrWikostnaWur_ ԀhafiveriW_ oftlaWur_ ԀsemogkostnaWurvegnaerlends a _ samstarfs_ ԀogaW_ eignakaupum_ ԀhafiveriWslegiWfrest.m;tikemuraW T, _ srfrWikostnaWur_ ԀogannarlaunakostnaWurloksWastarsvarWmunmeirientlaW  hafWiveriW,svotlaWurtekjuafgangur2002uppum3,4_ millj_ ._ kr_ .snerist_ tekjutap_   upp1,3_ millj_ ._ kr_ .SamrWsnefndskilurvelaWerfittgetiveriWaWtlankvmlega   fyrirslkumhlutumen4,7_ millj_ ._ kr_ .sveiflatengd_ launaliW_ ԀernokkuWh.XberaWhafa  X hugaaW_ FME_ Ԁhefur_ heimild_ ԀtilaWinnheimtaaf_ eftirlitsskyldum_ ԀaWilumsrstaklegaef K #  umfangeinstakra_ eftirlitsverkefna_ ԀverWurmunmeiraeneWlilegtgeturtalist.i0J݌   Ќ  ' ( tlaWurrekstur2004.    "i0J"  i0J2u  2  .3  Ԉ0    0drgumaWrekstrartlunfyrirriW2004ergertrWfyriraWrekstrarkostnaWurhkki wO  um7,6%fr_ samYykktri_ Ԁrekstrartlunrsins2003(8,5%frendurskoWaWritlun).i0J?݌B  Ќ  "i0J"  i0J2u  3  .3  Ԉ0    0greinargerWmeWfjrhagstlunfyrir2003komframaW_ FME_ ԀstefndiekkiaWfjlgun    starfakomandirumheldurvartluninaWnUtabeturYannmannskapsemfyrirer.0   lj;siYesstelursamrWsnefndmiWuraWstraxrisWarsboWuWfjlgunupp1,5 {  _ stWugildi_ ԀeWaumtp5%.XaraWaukikemurframaWYrfs_ svigrms_ ԀtilaWrWa nF _ sumarstarfsmenn_ Ԁog_ nmsf;lk_ Ԁtmabundinverkefni.grundvelliYessaogmeW 9 hliWsj;nafsamningsbundnum_ launahkkunum_ Ԁtlar_ FME_ Ԁhkkun_ launakostnaWar_   verWa8,3%riW2004.UmfrekariathugasemdirvarWandiYettavsastliW8hraftar.i0J݌ Ќ  "i0J"  i0J2u  4  .3  Ԉ0    Samkvmt_ drgunum_ ԀerkostnaWurvegnaerlendssamstarfsogfundaerlendistlaWur r verulegahrrienfyrirlWandirogYaWYrttfyriraWlj;stsaWYessiliWurvarst;rlega e= _ oftlaWur_ Ԁvegnarsins2003.SamrWsnefndtrekarsnfyrrisj;narmiWumaW_ FME_  0 haldikostnaWiafslkusamstarfiinnaneWlilegramarka,endahlj;tamjgtWar_ utanferWir_   aWbitnavinnuaWlgbundnu_ eftirlitshlutverki_ Ԁhrheima.XtelursamrWsnefndaW_ aW_   svomikluleytisemYesskonarsamstarftengistsjlfri_ reglusetningu_ ԀmarkaWarinssrtt i aWstj;rnvldberikostnaWafYvsamahttogtWkastumaWraratvinnugreinarsemlta \4 eftirliti.0YvsambandimsrstaklegahafahugaaW_ FME_ ԀhefurkveWiWaWtakaYtt ' vinnuogtilheyrandikostnaWisamstarfiEvr;pskra_ fjrmlaeftirlita_ ԀaWm;tun  _ regluumgjarWar_ Ԁ_ fjrmlamarkaWarins_ ԀEvr;punsturum._ SamrWsnefndin_ Ԁtelur  _ sjlfboWiW_ ԀaWslenskstj;rnvldeigiaWtakasigYannkostnaW,samahttoggreitter `  fyrirsamskonar_ alYj;Wasamvinnu_ ԀWrumsviWum.VsastYvsambandieinnigtil S+! umfjllunarinngangihraWframan.HafaberhugaaWefnahags-og_ viWskiptanefnd_  " AlYingisbeindiYvtil_ viWskiptarWuneytis_ Ԁnefndarlitisnuum359._ Yingml_ ԀsWasta # _ lggjafarYingi_ ԀaWreiknankvmlegathverkostnaWur_ FME_ Ԁafauknuumfangi  $ _ Evr;puvinnu_ ԀyrWitengslumviW_ framlagningu_ ԀfrumvarpsumbreytinguhundraWshluta !W% _ eftlirlitsgjalds_ ԀsemlagtvrifyrirnstalggjafarYing.i0J݌J""& Ќ  "i0J"  i0JF2u  5  .3  Ԉ0    SamrWsnefndhefurundanfarinrgagnrUntharWlegah_ stj;rnarlaun_ Ԁsemgreidderutil #' stj;rnar_ FME_ .EinsogframkemurgreinargerWmeW_ drgunum_ ԀerYaWrWherrasem #( kveWurYau.TmabrteraWfra_ stj;rnarlaun_ ԀYessaristofnuntilsamrmisviWYaW $ ) semalmennttWkasthjWrumopinberumstofnunum.Xer_ jafnlj;st_ ԀaWsviWtekna v%N!* venjaaWboWavaramenntilallra_ stj;rnarfunda_ ԀgengurgegnlUWrWislegum A&"+ _ stj;rnarhttum_ Ԁog;tktaWhaldaslkristefnufram.i0JFs݌ '", Ќ  RekstrartluntilYriggjara.  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(   & a TilviWb;tarviWframangreinthefur_ FjrmlaeftirlitiW_ ԀaukiWaWgangstarfsmannaog  _ stj;rnarmanna_ Ԁ_ fjrmlafyrirtkja_ ԀaWupplUsingumum_ fjrmlamarkaWinn_ ԀmeWYvaWstyrkja  _ heim'a3asWu_ Ԁsna._ HeimasWan_ Ԁer_ upplUsingaveita_ ԀfyrirYsemstarfa_ fjrmlamarkaWi_ ,enYar a erhgtaWnlgastupplUsingarumlgogreglur_ fjrmlamarkaWi_ ,upplUsingarumrekstur T, fyrirtkjaundireftirlitiogmargvslegarupplUsingarsemtengjaststarfi_ Fjrmlaeftirlitsins_ .   1.2.0  EftirlitmeWeigendumvirkra_ eignarhluta_ .     herslurtmabilinu:Starfshttir_ fjrmlamarkaWi_ .Eigendumvirkra_ eignarhluta_   X _ settar_ ԀskUrarileikreglur,_ m.a._ ԀtengslumviWYtttkuYeirrastj;rnumfyrirtkja. K #    EinsogbistvarviWvareftirlitmeWeigendumvirkra_ eignarhluta_ Ԁ_ fjrmlafyrirtkjum_     og_ vtryggingaflgum_ ԀumfangsmikiWtmabilinu.      LagakvWiYausemgildaumeftirlitmeWvirkumeignarhlutumerutarlegogkveWabWi   umaWsamYykkis_ Fjrmlaeftirlitsins_ ԀfyrirkaupumvirkumeignarhlutumsleitaWfyrir wO  framogumviWvarandieftirlitmeWeigendumvirkra_ eignarhluta_ .XessuviWvarandieftirliti B  er_ m.a._ ԀtlaWaWtryggjaaWeignarhaldiWskaWiekkiheilbrigWanogtraustanrekstur    _ viWkomandi_ Ԁ_ fjrmlafyrirtkis_ ԀeWavtryggingaflags.     tmabilinuurWutalsverWarbreytingareignarhaldi_ fjrmlafyrirtkja_ Ԁog {  _ vtryggingaflaga_ Ԁogafgreiddi_ FjrmlaeftirlitiW_ Ԁallmargarums;knirtengdarbreyttu nF eignarhaldi.XannighafaveriWafgreiddar12ums;knirumsamYykkifyrirflun_ virks_  9 eignarhlutar11_ fjrmlafyrirtkjum._ ԀNuums;knirhafaveriWafgreiddarvegnasj  _ vtryggingaflaga_ .    0langflestumtilvikumhafafyrrgreindarums;knirveriWsamYykktarY;ttdmisuumaW r YeimhafiveriWhafnaW.0sumumtilvikumurWubreytingarformumaWilatengslumviW e= meWferWums;knar.0nokkrumtilvikumlguyfirlUsingarumskjendaumtilteknaraWgerWir 0 tilgrundvallarkvrWunum_ eftirlitsins_ .    0tengslumviWslurkisinseignarhlutumsnumLandsbanka0slandshf.og  _ BnaWarbanka_ Ԁ0slandshf.beindukaupendursamrmiviW_ lagaskyldu_ Ԁums;knumtil i _ Fjrmlaeftirlitsins_ ԀumaWeignastvirkaneignarhlutviWkomandiflgum.0lj;sistrWar \4 _ eignarhlutarins_ ԀogmikilvgisviWkomandifyrirtkjaslenskum_ fjrmlamarkaWi_ Ԁhlutu ' ums;knirYessartarlegaumfjllun.kvarWanir_ Fjrmlaeftirlitsins_ ԀYessummlumhafa  birstopinberlegaogeruYartilgreindarmeWtarlegumhttiforsendurfyrirYeim.    TilviWb;tarframangreinduhefur_ FjrmlaeftirlitiW_ ԀnokkrumtilvikumtekiWtilskoWunar `  strW_ virks_ Ԁ_ eignarhluta_ ԀoghvorttengslfleiriaWilagefitilefnitilaWtlaaWtil_ virks_  S+! _ eignarhlutar_ Ԁhafistofnast. "   AukiWeftirlitmeWeigendumvirkra_ eignarhluta_ Ԁ_ fjrmlafyrirtkjum_ Ԁhefurennfremur # leitttilflugraeftirlitsmeW_ fjrmlafyrirtkjum_ .Xannighefur_ FjrmlaeftirlitiW_ ԀnUttreynslu  $ snaafeftirlitimeWvirkumeignarhlutumviWm;tuntilmlaumefnireglnaumstrfstj;rna !W% _ fjrmlafyrirtkja._ ԀXarer_ m.a._ ԀlgWherslaaWstj;rnarmenn_ fjrmlafyrirtkja_ Ԁhafiekki J""& _ aWgang_ ԀaWupplUsingumumviWskiptamenn_ fjrmlafyrirtkis_ Ԁnemavettvangistj;rnar #' _ fyrirtkisins._ ԀJafnframterleitastviWaWtryggjainnraeftirlitmeWviWskiptumviW_ venslaWa_  #( aWila,_ Y.m.t._ ԀaWilasemtengdirerustj;rnarmnnum.EnnfremurhefurveriWkomiW $ ) reglulegri_ upplUsingagjf_ Ԁtil_ Fjrmlaeftirlitsins_ ԀumfyrirgreiWsluviW_ venslaWa_ ԀaWila. v%N!*   A&"+  &   1.3.0  EftirliteinstkumsviWum_ fjrmlamarkaWar_ . ( 1.3.1._ Fjrmlafyrirtki_ Ԁog_ lnamarkaWur_ .+ #  3          herslurtmabilinu:AWlgunaWnUjumlgum.NUjaraWferWirteknaruppeftirlitisem  styWjaviW_ httustUringu_ Ԁ_ fjrmlafyrirtkja_ .EftirlitmeW_ afskriftum_ . a '(lM  NUlgum_ fjrmlafyrirtki_ ,nr.161/2002,t;kugildi1.janar2003.MeWYeimhafaein T, lgveriWsettumstofnunogreksturviWskiptabanka,sparisj;Wa,_ lnafyrirtkja_ ,  _ rafeyrisfyrirtkja,_ Ԁ_ verWbrfafyrirtkja_ ,_ verWbrfamiWlana_ Ԁog_ rekstrarflaga_ Ԁ_ verWbrfasj;Wa_ .  LginfelasrbreytingarYeirriumgjrWsemYessumfyrirtkjumerbinaukbreytinga   _ starfsheimildum_ Ԁ_ Fjrmlaeftirlitsins_ .  X   _ FjrmlaeftirlitiW_ ԀhefurlagaWstarfsemisnaaWnUjumlgum.EnnstenduryfirvinnaviW K #  m;tunogendurskoWunreglnasem_ Fjrmlaeftirlitinu_ ԀberaWsetjasamkvmtlgunum.Enn    fremurer_ FjrmlaeftirlitiW_ ԀaWm;tanUrrWieftirliti,_ m.a._ ԀnUjaheimildtilaWkveWahrri    _ eiginfjrhlutfll_ Ԁfyrireinstk_ fjrmlafyrirtki_ .     & , XaWfellurhlut_ Fjrmlaeftirlitsins_ ԀaWhafaeftirlitmeWYvaW_ fjrmlafyrirtki_ Ԁtileinki wO  srnUlgognUjarreglurstarfsemisinni.0Yvskynihefur_ FjrmlaeftirlitiW_ ԀstaWiWfyrir B  _ kynningarfundum_ ԀumnUjulgin.    ',_7V  framvarfylgstmeW_ tlnagWum_ Ԁ_ lnastofnana_ ,enslkgWinokkurshluta_ tlna_ Ԁsem   veittvorurunum1998!2001eruennaWkomaframauknum_ afskriftum_ .HagstWarytri {  aWstWurogbetrireksturhefurleitttilYessaWlnastofnunumhefurheildtekistaWmta nF _ tlnaafskriftum_ Ԁn_ veikingar_ Ԁ_ eiginfjrstWunni_ .Athuganir_ Fjrmlaeftirlitsins_ Ԁhafa 9 _ nokkrum_ Ԁtilvikumleitttilaukinna_ framlaga_ Ԁ_ afskriftareikning_ .0fj;rumtilvikumhefur  _ eiginfjrhlutfall_ Ԁ_ fjrmlafyrirtkis_ Ԁreynstundirlgbundnummrkum.0Yeimtilvikumvar  gripiWtilaWgerWatilaWkoma_ eiginfjrstWunni_ Ԁ_ lgmlt_ Ԁhorf.0nokkrumtilvikumtil r viWb;tarhefur_ FjrmlaeftirlitiW_ ԀlUsthyggjumvegna_ slakrar_ ԀeiginfjrstWu e= _ fjrmlafyrirtkis_ .XhafaalloftveriWgerWarathugasemdirviWst;rar_ httuskuldbindingar_  0 einstakra_ lnastofnana_ .    _ FjrmlaeftirlitiW_ ԀhefurhaldiWframaWYr;anUjaraWferWireftirlitimeW  _ fjrmlafyrirtkjum._ ԀTekiWvarnotkunsrstakt_ httumatskerfi_ ԀsemeftirlitiWhefurYr;aW i sWustu_ rum,_ Ԁenkerfinuer_ m.a._ ԀtlaWaWauWveldamatnauWsynlegrieiginfjrstWu \4 einstakra_ fjrmlafyrirtkja,_ ԀtfrupplUsingumumeigiWf,gWumeigna,arWsemi, ' _ lausafjrstWu_ ,nmnifyrir_ markaWshttu_ Ԁogstj;rnun.KerfiWernotaWeftirlitimeW  _ fjrmlafyrirtkjum_ ԀoghefurYvveriWveltekiWflestumtilvikum.    Srstk_ lagspr;f_ ԀhafaeinnigveriWtekinuppeftirlitimeW_ fjrmlafyrirtkjum_ .ReiknaW `  erthversuhtteiginfjrhlutfall_ fjrmlafyrirtkis_ ԀYarfaWveratilaWstandasttiltekna S+! _ lkkun_ Ԁhlutabrfaogskuldabrfaeigufyrirtkisinsogtiltekna_ niWurfrslu_ Ԁ_ ;vaxtaberandi_  " _ tlna_ Ԁog_ fullnustueigna_ .Forsendur_ lagspr;fsins_ ԀmiWastviWaWstWursemgtukomiWupp. # _ NiWurstWur_ ԀYessstyWjaYaWlit_ Fjrmlaeftirlitsins_ ,semWurhefurveriWsettfram  $ _ rsskUrslum_ ,aWstrstu_ viWskiptabnkum_ ԀberiaWstefnaaW_ a.m.k._ Ԁ10%_ eiginfjrhlutfalli_ , !W% _ treiknuWu_ Ԁ_ samkvmt_ Ԁlgum,og8%_ eiginfjrhlutfalli_ ԀaWfrtldumvkjandilnum. J""&   Fyrrgreint_ httumatskerfi_ Ԁog_ lagspr;f_ Ԁmunuliggjatilgrundvallarhugsanlegum #' _ kvrWunum_ Ԁ_ Fjrmlaeftirlitsins_ Ԁumhrri_ eiginfjrhlutfll_ Ԁfyrireinstk_ fjrmlafyrirtki_ , #( enkveWiWerumsrstakaheimildtilslkrakvarWanalgumnr.161/2002,um $ ) _ fjrmlafyrirtki_ .ReglurumYessarkvarWanirerunm;tunhjeftirlitinu. v%N!* & ,   TilviWb;tarviWframangreinthefur_ FjrmlaeftirlitiW_ ԀleitastviWaWstyrkjaeftirlitog ( _ yfirsUn_ Ԁyfir_ httustUringu_ Ԁstrri_ fjrmlafyrirtkja_ Ԁ_ samstWugrundvelli_ ,einkumYeirra  semstarfaeinnigerlendisogeigaYard;tturfyrirtki.LagterfyrirYessifyrirtkiaWgreina  ',(7khttustarfsemi_ samstWunnar_ ,sundurliWaWeftir_ tekjusviWum_ Ԁogd;tturfyrirtkjum.Enn a fremurerlagtmatmlingarfyrirtkisinsviWkomandi_ httum_ Ԁog_ stUringu_ ԀYeirra. T, _ Srstk_ Ԁ_ skUrsluform_ ԀvegnaYessahafaveriWtbinsamrWiviWhlutaWeigandifyrirtki.0  samaskynier_ FjrmlaeftirlitiW_ ԀaWtakauppsrstk_ skUrsluskil_ Ԁvegna_ landahttu_ Ԁstrri  _ fjrmlafyrirtkja,_ Ԁ_ Y.e._ ԀhttuvegnakrafnaogskuldaviWerlendraaWila.     _ FjrmlaeftirlitiW_ ԀberbyrgW_ samstWueftirliti_ Ԁslenskra_ fjrmlafyrirtkja_ Ԁsemstarfa  X erlendis,enerlendd;tturfyrirtkiYeirraerujafnframtundireftirlitiYarsemYauhafa K #  _ starfsleyfi._ ԀKappkostaWeraWstyrkjasamstarfviWerlendar_ systurstofnanir_ ԀtengslumviW    _ samstWueftirlit_ ԀogerusrstakirtvhliWa_ samstarfssamningar_ ԀumeftirlitmeWtilteknum    _ fjrmlafyrirtkjum_ Ԁnvinnslu.     Xhefur_ FjrmlaeftirlitiW_ ԀtekiWuppnUjaraWferWirviWeftirlitmeWupplUsingatkniYar wO  semlagterkerfisbundiWmat_ upplUsingakerfi_ Ԁogstj;rnunYeirra. B    _ FjrmlaeftirlitiW_ Ԁt;ktmabilinutilskoWunarstrstasamrunaslenskra    _ fjrmlafyrirtkja_ ԀhingaWtil,_ Y.e._ Ԁsamruna_ KaupYings_ Ԁbankahf.ogBnaWarbanka0slandshf.   _ Samruninn_ Ԁvartekinntiltarlegrarathugunarogvorusettarframtilteknarkrfurum {  framganghansogatriWiervrWuWu_ httustUringu_ Ԁoginnraeftirlit. nF   _ FjrmlaYj;nusta_ ԀvegumerlendrafyrirtkjaervaxandimliboWinhrlandinYess 9 aWviWkomandifyrirtkihafifullngjandileyfi._ FjrmlaeftirlitiW_ Ԁhefurnokkrumtilvikum  varaWviWstarfseminafngreindrafyrirtkja.0einutilvikihefur_ FjrmlaeftirlitiW_ ԀbannaW  _ starfsemi_ Ԁ_ innlends_ Ԁ_ fjrmlafyrirtkis_ Ԁerlendis. r   tmabilinuhefur_ FjrmlaeftirlitiW_ ԀunniWaWnokkrumreglumogtilmlumsemvarWa e= _ fjrmlafyrirtki_ .XarmnefnareglurumundanYgusmrri_ fjrmlafyrirtkja_ Ԁfr 0 _ starfrkslu_ Ԁinnri_ endurskoWunardeilda_ ._ FjrmlaeftirlitiW_ ԀhefurYvefnilagthersluaW  _ ttektir_ Ԁinnraeftirlitisuekkiframkvmdarafytri_ endurskoWanda_ ԀviWkomandi  _ fjrmlafyrirtkis_ ,einsogleyfilegthefurveriWhingaWtil.EinnighefurveriWunniWaW i endurskoWunreglnaumreikningsskil_ fjrmlafyrirtkja_ .0YvefniergertrWfyrirbttri \4 _ upplUsingagjf_ Ԁumlaunog_ Y;knanir_ Ԁtilstj;rnendaogendurskoWenda_ fjrmlafyrirtkja_ . ' EinnigerunniWaW_ styrkingu_ Ԁreglnaum_ afskriftir_ Ԁ_ fjrmlafyrirtkja_ ԀmeWhliWsj;nafstWlum  _ AlYj;WareikningsskilarWsins_ .  1.3.2.VerWbrfamarkaWur. S+!   herslurtmabilinu:FyrirbyggjandiaWgerWirtilaWspornaviW_ innherjasvikum_ Ԁog " _ markaWsmisnotkun._ Ԁ_ MarkaWsvakt_ .AWlgunaWnUjumlgumum_ verWbrfasj;Wi_ Ԁog # _ fjrfestingarsj;Wi._   $   _ FjrmlaeftirlitiW_ ԀhefurlagtmiklavinnuaWstuWlaaWbttumstarfshttumtgefenda !W% skrWraverWbrfaog_ fjrmlafyrirtkja_ Ԁ_ verWbrfamarkaWi_ .XessivinnamiWareinkumaW J""& YvaWtakmarkahttu_ innherjasvikum_ Ԁog_ markaWsmisnotkun_ . #'   LiWurYessueraWgangaeftirYvviWtgefendurskrWraverWbrfaaWYeirsetjisrreglur #( ummeWferW_ innherjaupplUsinga_ ԀogviWskipti_ fruminnherja_ .JafnframtberYeimaWtilnefna $ ) _ regluvrW_ Ԁsemfylgjaframkvmdreglnannaeftir._ FjrmlaeftirlitiW_ ԀstaWfestirreglurnarog v%N!* gengurumleiWrskuggaumaWYrsusamrmiviWlgogleiWbeinanditilmli.0 A&"+ _ mrgum_ ԀtilvikumhefurgengiWseinlegaaWfYessarreglurtilformlegrarstaWfestingar.  '", _ Dagsektum_ ԀhefurveriWbeittYessuskyni.Nhafa110flgsettsrregluroghefur '#- _ FjrmlaeftirlitiW_ ԀstaWfestflestarYeirra. (z$. & ,   _ FjrmlaeftirlitiW_ ԀhefurleitastviWaWaWstoWatgefendurskrWraflagaviWaWkoma ( YeirriumgjrWsemframangreindarreglurgerarWfyrir.0Yvskynihefur_ FjrmlaeftirlitiW_   boWaW_ regluverWi_ Ԁflagannatil_ kynningarfunda_ .Einnighafa_ regluverWir_ ԀskrWraflagaveriW  ',(݈heims;ttirtilaWgangarskuggaumaWfariWsaWreglunum.XettaeroftgerttengslumviW a viWskipti_ fruminnherja_ ԀviWkvmumtmabilumeWaYegarveigamikilviWskiptieigasrstaW T, meWverWbrfhlutaWeigandiflags.    0kjlfarnUrralagaumverWbrfaviWskipti,nr.33/2003,semt;kugildi1.jl2003,gerWi  _ FjrmlaeftirlitiW_ ԀbreytingarleiWbeinanditilmlumnr.2/2001,umefnireglnaummeWferW   _ innherjaupplUsinga_ ԀogviWskipti_ fruminnherja_ .  X   0tengslumviW_ markaWsvakt_ Ԁ_ Fjrmlaeftirlitsins_ Ԁvoru18mltekintilformlegrarathugunar K #  tmabilinu.RflegahelmingurYessaramlavarWaWi_ innherjaviWskipti_ ,tplegahelmingur    varWaWi_ upplUsingagjf_ ԀmarkaWiogeittvarWaWireglurumalmennttboW.0tveimur_ tilvikum_     stendurathugunennyfir,ttamlumreyndistekkistWatilathugasemda,ensj_ tilvikum_    vorugerWarathugasemdirogrb;takrafist,eWasettarframleiWbeiningarumeWlilega wO  _ viWskiptahtti_ .0einutilvikistWvaWi_ FjrmlaeftirlitiW_ ԀtboWverWbrfa.Ekki_ reyndust_  B  _ forsendur_ ԀtilaWvsaframangreindummlumtil_ efnahagsbrotadeildar_ Ԁ_ rkislgreglustj;ra_ .    &    HraWframanerutalinmlervarWaverWbrfaviWskiptiogtekineruformlegauppviW   aWilaYess.0reglulegri_ markaWsvakt_ ԀerufjlmrgmltekintilskoWunar,enekkitalinstWa {  tilaWhefjaformlegaathugun.Ennfremureru;talinallmrgmlsemvarWastarfshtti nF _ fjrmlafyrirtkja_ Ԁ_ verWbrfamarkaWi_ . 9 '8  TilviWb;tarviWframangreinthefur_ FjrmlaeftirlitiW_ ԀaWstoWaWerlend_ eftirlitsstj;rnvld_   oginnlendogerlendlgregluyfirvldviWathugunmla_ verWbrfamarkaWi_ .    _ FjrmlaeftirlitiW_ ԀhefurennfremurhugaWaWleiWbeinanditilmlumumUmisatriWier r varWastarfshtti_ fjrmlafyrirtkja_ Ԁ_ verWbrfamarkaWi_ .XannighefurveriWunniWaW e= _ leiWbeinandi_ Ԁtilmlumum_ greiningardeildir_ Ԁog_ greinendur_ .EnnfremurerunniWaW 0 leiWbeinanditilmlumumstarfshtti_ fjrmlafyrirtkja_ ԀYarsemtekiWerfjlmrgum  YttumervarWasamskipti_ fjrmlafyrirtkis_ Ԁog_ viWskiptamanns_ Ԁ_ verWbrfaviWskiptum_ .0  Yessuefnierbyggt_ grunnreglum_ ԀsemSamtkevr;pskra_ verWbrfaeftirlita_ Ԁ(_ CESR_ )hafabirt, i en_ FjrmlaeftirlitiW_ ԀeraWiliaWYeimsamtkum. \4   0eftirlitimeW_ fjrmlafyrirtkjum_ ԀhefursrstaklegaveriWhugaWaWstarfshttum ' _ verWbrfamarkaWi._ ԀAthugunstarfshttumeins_ fjrmlafyrirtkis_ Ԁleidditilallmargra  _ athugasemda_ Ԁogkrafnaumrbtur.nnurathugunleidditilYessaWstarfsleyfiviWkomandi  varskilaWinn. `    Lgnr.30/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ ,t;kugildi1.jl2003.Lgin S+! felasrviWamiklarbreytingargildandilggjf.0tengslumviWhinnUjulghefur " _ FjrmlaeftirlitiW_ Ԁ_ m.a._ ԀhafttilmeWferWarums;knirumstarfsleyfi_ verWbrfasj;Wa_ Ԁog # _ rekstrarflaga_ Ԁ_ verWbrfasj;Wa_ ,ensamkvmtnUjulgunumverWa_ rekstrarflg_ Ԁnfullgild  $ _ fjrmlafyrirtki_ ԀmeWvWtkari_ starfsheimildir_ ԀenWur.Ennfremurhefur_ FjrmlaeftirlitiW_  !W% hafttilmeWferWar_ starfsleyfisums;knir_ Ԁ_ fjrfestingarsj;Wa_ ԀsemernU_ starfsleyfisskyld_ Ԁtegund J""& sj;Waumsameiginlegafjrfestingu.meWalnUrra_ eftirlitsverkefna_ Ԁsamkvmtlgunumer #' aWtakaafstWutilYesshvaWaaWilarskuliskjaumstarfsleyfisem_ fjrfestingarsj;Wir_ . #(   _ FjrmlaeftirlitiW_ ԀhefurttmarghttuWumsamskiptumviWstarfsmennogstj;rnendur $ ) _ fjrmlafyrirtkja_ Ԁvegnaframangreindralaga.0aWdragandanUrrarlagasetningargerWi v%N!* _ FjrmlaeftirlitiW_ ԀtarlegaathugunYvhvernig_ verWbrfasj;Wir_ Ԁ_ framfylgdu_  A&"+ _ fjrfestingarstefnu_ Ԁsinni,ennUogtarlegri_ skUrsluskil_ Ԁumfjrfestingar_ verWbrfasj;Wa_ Ԁvoru  '", tekinuppsWarihlutarsins2002.0lj;skomufrvikfr_ fjrfestingarstefnu_ Ԁallmrgum '#- tilvikum.GerWarvoruathugasemdirvegnaYessaogkrafistrb;ta.Xrrbturtengjast (z$. mrgumtilvikum_ aWlgun_ Ԁ_ sj;Wanna_ ԀaWnUrrilggjf. ( 1.3.3._ LfeyrismarkaWur_ .    herslurtmabilinu:Bttinnraeftirlit.EftirlitmeWfjrfestingum.Betriggnog a _ gegnsi_ Ԁ_ tryggingafrWilegu_ Ԁmati. T,   Veigamestu_ eftirlitsverkefni_ Ԁ_ Fjrmlaeftirlitsins_ ԀeftirlitimeWlfeyrissj;WumhafaveriW  tarlegarathuganirfjrfestingumlfeyrissj;Waundanfarintmabil.sWastatmabilivar  haldiWframmeWeldriathuganiroghafisthandaviWnUjar.MeginmarkmiWiWmeWYessum   athugunumeraWfarayfirfjrfestingareinstakralfeyrissj;WameWhliWsj;nafkvWum_ VII_ .  X kaflalaganr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa,Yar K #  semkveWiWerum_ fjrfestingarheimildir_ Ԁlfeyrissj;Wa._ Athuganirnar_ ԀfelastaWhlutatilYv    aWkannaflokkun_ fjrfestingarskUrslum_ Ԁsemlfeyrissj;Wirsenda_ Fjrmlaeftirlitinu_     _ rsfj;rWungslega._ Ԁ0skUrslunumerufjrfestingarflokkaWarmeWhliWsj;nafkvWum36.gr.   _ VII_ .kaflalaganna.SkUrslurnareruhelstatki_ Fjrmlaeftirlitsins_ ԀtilaWfylgjastmeWYvaW wO  _ fjrfestingar_ Ԁ_ sj;Wanna_ ԀsuinnanrammalagannaognUtastekkisWurstj;rnendum_ sj;Wanna_  B  semslkar.XaWerYvafarmikilvgtaWvandaWstilflokkunarskUrslunum.0tengslumviW    _ fjrfestingarathuganirnar_ Ԁ&  varinnraeftirlithjlfeyrissj;WumkannaWaukYesssemfariWvar   yfirrsreikninga,_ endurskoWunarskUrslur_ Ԁog_ fjrfestingarstefnur_ Ԁ_ sj;Wanna_ .'& {    Athugasemdir_ Fjrmlaeftirlitsins_ Ԁkjlfar_ fjrfestingarathugananna_ ԀhafahelstlotiWaW nF fjrfestingum_ ;skrWum_ ԀverWbrfumumframheimildirlagaendahefurathugunumaW 9 _ verulegu_ ԀleytiveriWbeintaWsj;Wumsemeruyfir_ hmarksheimildum_ Ԁlaga_ ;skrWum_   _ verWbrfum._ Ԁ_ FjrmlaeftirlitiW_ ԀhefurkrafiWsj;WinaumrbturognersvokomiWaW  _ fjrfestingar_ Ԁlfeyrissj;Wa_ ;skrWum_ ԀverWbrfumerulangflestumtilvikumlgleguhorfi. r Xhafa_ athugasemdir_ ԀnokkrummliveriWgerWarviWfjrfestingarverWbrfumtgefnum e= afsamaaWilaog_ heildarfjrfestingar_ Ԁeinstkum_ verWbrfasj;Wum_ .Hjallflestum 0 lfeyrissj;WumsemgerWarvoruathuganirvorugerWarathugasemdirviWUmisatriWier  vrWuWufyrirkomulaginnraeftirlits.    0Yeimsj;WumYarsemfjrfestingarhafaekkiveriWsamrmiviWlghefurinnraeftirliti i ekkiveriWngilegavelsinnt.AlmenntmsegjaaWggnumuminnraeftirlitfr \4 _ lfeyrissj;Wum_ ԀhafiveriWheldurb;tavantogggnekkiskilaWsrngilegavel.Xhefur ' _ FjrmlaeftirlitiW_ ԀgertfjldaathugasemdaogkomiWmeWbendingarvarWandiflokkun  fjrfestinga_ fjrfestingarskUrslum_ .NokkurbrgWhafaveriWaWYvaW_ rsreikningar_ Ԁog  _ fjrfestingarstefnur_ Ԁlfeyrissj;WannahafiekkiveriWsamrmiviWreglursemumYaugilda `  oghafa_ margvslegar_ ԀathugasemdirveriWgerWarviWsj;WinaYessusambandiogrb;ta S+! krafist. "   _ FjrmlaeftirlitiW_ ԀhefurtmabilinuhafiWviWamiklarathuganirstarfsemiYriggja # _ lfeyrissj;Wa._ ԀTveimurYeirralaukmeWathugasemdumogkrfumumrbtureneinnier  $ _ ;lokiW._ Ԁ0einutilvikiafhenti_ FjrmlaeftirlitiW_ Ԁ_ efnahagsbrotadeild_ Ԁ_ rkislgreglustj;ra_  !W% _ niWurstWur_ Ԁogggnvegnaathugunar. J""&   tmabilinugaf_ FjrmlaeftirlitiW_ ԀtnUtt_ skUrsluform_ Ԁvegnaskila_ tryggingafrWilegum_  #' _ ttektum_ Ԁtil_ eftirlitsins_ .SkUrslurnargefagottyfirlityfir_ tryggingafrWilega_ ԀstWu #( _ viWkomandi_ Ԁlfeyrissj;Ws,forsendurmatsinsogbreytingarfrfyrritW.SkUrslunumertlaW $ ) aWauka_ gegnsi_ Ԁ_ tryggingafrWilegra_ Ԁ_ ttekta_ .XreruliWuraWstyrkjaeftirlitmeW v%N!* _ skuldbindingum_ Ԁlfeyrissj;WaogttujafnframtaWnUtastlfeyrissj;Wumsem_ eftirlitstki_ . A&"+   Rmlega20lfeyrissj;Wir,eWarflegaYriWjungur,hafabreyttsamYykktumsnum  '", _ tmabilinu_ Ԁen_ FjrmlaeftirlitiW_ ԀveitirumsgnumbreytingarnaraWbeiWni '#- fjrmlarWuneytisins.TalsverthefurveriWum_ rttindaskerWingar_ ,Umistformilkkunar (z$. _ margfldunarstuWla_ ԀeWabreytingar_ greiWslutmabilum_ Ԁlfeyris.StafarYaWaWhlutatilaf ( YeirristaWreyndaWnokkrirsj;Wirvorurinu2002utanviWYaumrksemlgnr.127/1997,  umskyldutryggingu_ lfeyrisrttinda_ Ԁogstarfsemilfeyrissj;Wa,heimilaYeimummun  _ eignarliWum_ Ԁog_ lfeyrisskuldbindingum._  a   0YvskyniaWtryggjafaglegastarfshttiviWrWstfun_ iWgjalds_ Ԁtil_ lfeyrissparnaWar_ Ԁog T, _ viWb;tartryggingavernd_ Ԁhefur_ FjrmlaeftirlitiW_ ԀunniWaWleiWbeinanditilmlumsemstuWla  eigaaW_ einsleitni_ ԀogsamrmiviWframkvmdreglnaumYettaogaWframkvmdinverWi  samrmiviWheilbrigWaogeWlilegastarfshtti.     litaefnihafakomiWuppviWtlkunogframkvmdreglugerWarnr.698/1998,um  X _ rWstfun_ Ԁ_ iWgjalds_ Ԁtil_ lfeyrissparnaWar_ Ԁog_ viWb;tartryggingavernd_ .Einnighefur K #  _ FjrmlaeftirlitiW_ ԀorWiWvartviWUmisvandkvWisemtengjaststarfshttumYeirrasemstarfa    viWaWkomaeWaveitarWgjfumsamningaum_ lfeyrissparnaW_ ,en_ kvrtunarmlum_ Ԁvegna    _ umrddra_ Ԁ_ starfshtta_ ԀhefurfjlgaWundanfrnummnuWum.     Einsogframkemurkafla1.1hefur_ FjrmlaeftirlitiW_ ԀlagthersluhlutverkogbyrgW wO  stj;rnalfeyrissj;Waoginnraeftirlithjlfeyrissj;Wum.Xannigs;tti_ FjrmlaeftirlitiW_  B  _ stj;rnarfundi_ Ԁlfeyrissj;Warekstrihj_ fjrmlafyrirtkjum_ ԀogbauWennfremur    _ stj;rnarmnnum_ Ԁlfeyrissj;Watilfundahsakynnum_ eftirlitsins_ .YessumfundumvarfariW   yfirbyrgWstj;rnalfeyrissj;Wa,innraeftirlitog_ httustUringu_ .Xvarforsvarsmnnum {  _ lfeyrissj;Wa_ ԀboWiWtilkynningarvegnaskUrsluumrsreikningalfeyrissj;Wasemkomt nF jl2003. 9 1.3.4._ VtryggingamarkaWur_ .    herslurtmabilinu:_ httustUring_ Ԁ_ vtryggingaflaga_ .EftirlitmeW_ vtryggingaskuld_ . r Bttirstarfshttirslu_ vtrygginga_ . e=   tmabilinuhefur_ FjrmlaeftirlitiW_ Ԁgertathuganir_ httustUringu_ Ԁoginnraeftirlitihj 0 _ allmrgum_ Ԁ_ vtryggingaflgum_ Ԁog_ vtryggingamiWlurum_ .Athugasemdumogbendingum  hefurveriWkomiWframfriYegartilefnihefurveriWtil.0Yessuefnihefur_ FjrmlaeftirlitiW_   _ m.a._ ԀmlsttilYessaW_ vtryggingaflg_ Ԁnoti_ lagspr;f_ Ԁstarfsemisinni,YvskyniaWdraga i framstWuflagsinsviWmismunandiaWstWuroggreinabetur_ httur_ ._ FjrmlaeftirlitiW_  \4 hefurennfremurleitastviWaWstyrkjaeftirlitogyfirsUnyfir_ httustUringu_ Ԁstrri ' _ vtryggingaflaga_ Ԁ_ samstWugrundvelli_ ,YvskyniaWgreina_ httur_ Ԁ_ tekjusviWum_ Ԁog  _ d;tturfyrirtkjum_ Ԁogmeta_ httumlingar_ Ԁog_ httustUringu_ .    _ FjrmlaeftirlitiW_ ԀhefurfylgstframmeWYr;un_ vtryggingaskuldar_ Ԁ_ lgboWnum_  `  _ kutkjatryggingum._ Ԁ_ FjrmlaeftirlitiW_ ԀhefurtmabilinuunniWsrstakar_ tlfrWigreiningar_  S+! stWu_ vtryggingaskuldar_ ԀhjYremurstrstu_ skaWatryggingaflgunum_ .Hefur " _ FjrmlaeftirlitiW_ ԀleitaWsj;narmiWa_ vtryggingaflaganna_ ԀgagnvartYeimgreiningumogmun # framhaldinutakatiltekinatriWimati_ tj;na_ Ԁtiltarlegriathugunar.AWYeirriathugunlokinni  $ verWa_ endanlegar_ ԀniWurstWurkynntarviWkomandi_ vtryggingaflagi_ . !W%   _ FjrmlaeftirlitiW_ ԀeraWljkaathugunhkkuniWgjaldasemvarWtmabilinu J""& _ lgboWnum_ Ԁ_ brunatryggingum_ ԀfasteignaogWrum_ vtryggingagreinum_ Ԁ_ eignatrygginga_ . #' _ Athuganirnar_ ԀbeindustaWYremurstrstu_ vtryggingaflgunum_ ԀogverWaniWurstWurnar #( kynntarhverju_ vtryggingaflagi_ . $ )   Tvinnlend_ vtryggingaflg_ Ԁfengustarfsleyfitmabilinu,_ 0slandstrygging_ Ԁhf. v%N!* _ skaWatryggingum_ Ԁog_ LftryggingamiWstWin_ Ԁhf.lftryggingum.FyrrnefndaflagiWer A&"+ sjlfstWviWb;tviW_ vtryggingamarkaWinn_ ԀensWarnefndaflagiWer_ d;tturflag_ Ԁ100%eigu  '", _ TryggingamiWstWvarinnar_ Ԁhf._ FjrmlaeftirlitiW_ ԀhefuraWundanfrnuhafttilafgreiWslu '#- ums;knirtveggjanUrra_ vtryggingaflaga_ .UmrddflghafasrstWuvegnaYessaWYau (z$. leggjahersluaWverameWstarfsemierlendistilteknum_ vtryggingagreinum_ . (   tmabilinuurWutalsverWarbreytingar_ vtryggingamiWlunum_ .Xannighafafj;rarnUjar  _ vtryggingamiWlanir_ ԀfengiWstarfsleyfiogtvrerlendar_ vtryggingamiWlanir_ ԀveriWskrWar  hrlandi.tmabilinuskiluWutu_ vtryggingamiWlarar_ Ԁ(einstaklingarog_ lgaWilar_ )inn a _ starfsleyfum_ Ԁsnum,UmistaWeiginfrumkvWi,samrWiviW_ FjrmlaeftirlitiW_ ԀeWaaWkrfu T, Yess.TilviWb;tarskiluWuYrr_ vtryggingamiWlarar_ Ԁinnstarfsleyfumsnumgstsl.Nokkrar  _ vtryggingamiWlanir_ ԀhafalenttalsverWumfjrhagslegumerfiWleikumrekstrisnum.Dmi  eruumaW_ vtryggingamiWlanir_ ԀhafiveriWteknartil_ gjaldYrotaskipta_ ._ Fjrmlaeftirlitinu_ Ԁer   ekkikunnugtumaW_ vtryggingatakar_ ԀhafibeWiWtj;naffjrhagserfiWleikum  X _ vtryggingamiWlara._  K #    EinsogWurhefurveriWhugaWaWstarfshttum_ vtryggingamarkaWi_ .AlmennterYaWmat    _ Fjrmlaeftirlitsins_ ԀaWstarfshttir_ vtryggingamiWlara_ ԀsuaWfrasttilbetra_ horfs_ .X;hafa    bendingartil_ Fjrmlaeftirlitsins_ ԀogeftirlitYesstmabilinuleittlj;smisbresti   _ upplUsingagjf_ ԀogrWgjfstarfsmanna_ vtryggingaflaga_ Ԁog_ vtryggingamiWlara_ .Dmium wO  YaWeraW_ vtryggingatakar_ ԀhafasamkvmtrWgjffrtvtryggingartilannarsflagsnYess B  aWngilegashugaWaWkostnaWisemafYvhlUstogrttarstWu_ vtryggingataka_ ԀaWWru    leyti.MeWhliWsj;nafYessuhefur_ FjrmlaeftirlitiW_ ԀgefiWtleiWbeinanditilmlium   starfshtti_ vtryggingamiWlara_ ,nr.7/2002.TilmlunumertlaWaWstuWlaaWbttum {  starfshttum_ vtryggingamiWlara,_ Ԁ_ m.a._ ԀaWYvervarWar_ upplUsingagjf_ Ԁgagnvart nF viWskiptavinum.0_ framhaldinu_ Ԁhefur_ FjrmlaeftirlitiW_ ԀunniWaWm;tuntilmlaumstarfshtti 9 _ slumanna_ Ԁ_ vtryggingaflaga._     NokkuWhefurboriW_ samstarfserfiWleikum_ Ԁmilliinnlendra_ vtryggingaflaga_ Ԁog  _ vtryggingamiWlara._ Ԁ0UmsumtilvikumhafaslkmlveriWtekintilathugunarogafstaWatekin r til_ greiningsefna._  e=  1.4.Athugun_ AlYj;Wagjaldeyrissj;Wsins_ .     hersla:_ Skilvirkt_ ԀeftirlitstuWlaraW_ samkeppnishfni_ Ԁslensks_ fjrmlamarkaWar_ .    Sendinefndfr_ AlYj;Wagjaldeyrissj;Wnum_ Ԁheims;tti0slandaprl2003.Tilgangur i _ heims;knarinnar_ ԀvaraWendurmetastWugleikaslenska_ fjrmlakerfisins_ Ԁoghversuvelfylgt \4 eralYj;WlegumviWmiWunumvarWandieftirlitogaWraskyldaYtti(_ FSSA_ ,_ Financial_ Ԁ_ Sector_  ' _ Stability_ Ԁ_ Assessment_ ).MeWathugun_ AlYj;Wagjaldeyrissj;Wsins_ Ԁnvarfylgteftirathugunfr  rinu2001,enskUrsluumYathugunlagWisj;WurinntilUmsarbreytingarlggjfog  eftirlititilaWbregWastviWveikleikum_ fjrmlamarkaWi_ ԀogeftirlitimeWhonum.MeWal `  _ annars_ ԀlagWisj;Wurinntilverulegastkkuneftirlitinu. S+!   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A&"+   0skUrslunnierennfremurfariWjkvWumorWumumnUjaraWferWireftirlitisem  '", _ FjrmlaeftirlitiW_ ԀhefurYr;aWoglUsterkafla1.3.1hraWframan.Horftertilmlingaog '#- aWferWa_ eftirlitsins_ Ԁmatisj;WsinsstWu_ fjrmlamarkaWar_ Ԁn. (z$.   XrttfyriraWsj;Wurinnhr;sistj;rnvldum,YarmeWal_ Fjrmlaeftirlitinu_ ,fyriraWgerWir ( semstyrkthafastWugleika_ fjrmlakerfisins_ Ԁhefursj;WurinnframaWfranokkrar  _ bendingar_ Ԁumframhaldandiendurbtur.MYarnefnaaWsj;WurinnteluraWstj;rnvld  YurfiaWverareiWubinaWendurskoWastrW_ Fjrmlaeftirlitsins_ ԀYarsemstarfYessviWaW a koma_ nUjum_ Ԁ_ lgum_ ԀframkvmdmegiekkikomaniWur_ kjarnaeftirliti_ .EinnigerbentaW T, _ FjrmlaeftirlitiW_ ԀeigiennnokkuWverk;unniWaWkomalgumum_ fjrmlafyrirtki_ ԀaW  fullutilframkvmda,_ m.a._ ԀmeWsetningutilmlaogreglna.Svinnaerraunartalsvertlengra  kominnenYegarathuguninttisrstaW.     NiWurstWur_ AlYj;Wagjaldeyrissj;Wsins_ ԀgefatilkynnaaW_ FjrmlaeftirlitiW_ ԀogsumgjrW  X sem_ fjrmlafyrirtkjum_ ԀernbinstandistheildsamanburWviWYaWsembestgerist.S K #  _ niWurstaWa_ Ԁermikilvgfyrir_ samkeppnishfni_ Ԁslensks_ fjrmlamarkaWar_ .     & , 1.5.Erlentsamstarf.      hersla:Samrmingeftirlitiog_ reglusetningu_ ԀEvr;pska_ efnahagssvWinu_ Ԁstyrkir wO  skynsamlegatrsinnlendrafyrirtkja. B  ',   HugaWhefurveriWsrstaklegaaW_ reikningsskilamlum_ Ԁerlendusamstarfi    _ Fjrmlaeftirlitsins,_ ԀenkveWiWhefurveriWvettvangi_ Evr;pusambandsins_ ԀaWtakaupp   _ reikningsskilastaWla_ Ԁ_ AlYj;WareikningsskilarWsins_ Ԁ_ samstWureikningsskilum_ ԀskrWraflaga {  frogmeWrinu2005.Xrbreytingarmunuhafaveruleghrifhrlandi,enundirbningur nF er_ forrWi_ ԀfjrmlarWuneytisins._ FjrmlaeftirlitiW_ ԀtekurYttnorrnusamstarfi 9 _ fjrmlaeftirlita_ ԀervarWarreikningsskil._ Samstarfsh;pur_ ԀumYessimlefnihltfund  Reykjavkgst2003.XarvarfjallaWumupptku_ reikningsskilastaWla_   _ AlYj;WareikningsskilarWsins_ ԀogstWu_ undirbnings_ Ԁhverjulandi. r   _ FjrmlaeftirlitiW_ ԀhefurstaWiWfyrirkynninguogumrWuumfyrirhugaWarbreytingar e= _ reikningsskilum_ .MeWalannarshefursrfrWingum_ fjrmlafyrirtkja_ Ԁog_ vtryggingaflaga_  0 veriWboWiWtil_ kynningarfunda_ ԀumYessiml.    vettvangi_ samstarfsnefndar_ Ԁevr;pskra_ verWbrfaeftirlita_ ,_ CESR_ ,ereinnigunniWaW  _ undirbningi_ ԀYessarabreytinga.Nefndinhefur_ m.a._ ԀsamYykkt_ grunnreglur_ Ԁumframkvmd i breytingannaogeftirlitmeW_ reikningsskilum_ . \4   MiklarbreytingarhafattsrstaWsamstarfi_ fjrmlaeftirlita_ ԀeinstkumsviWum ' _ fjrmlamarkaWar,_ ԀtengslumviWbreytingar_ kvrWunarferli_ Ԁinnan_ Evr;pusambandsins_ .  _ FjrmlaeftirlitiW_ ԀeraWiliaWsamstarfi_ verWbrfaeftirlita_ ,_ CESR_ Ԁ(The_ Committee_ Ԁof_ European_   _ Securities_ Ԁ_ Regulators_ ).NefndinhefurYaWhlutverkaWsamrmaeftirlit_ verWbrfamarkaWi_  `  ogstyWjaYannigviW_ skilvirkan_ ԀinnrimarkaWEvr;pska_ efnahagssvWinu_ .Einnigsinnir S+! nefndinrWgjftilframkvmdastj;rnar_ Evr;pusambandsins_ Ԁumm;tunsamrmdrar " _ lggjafar_ Ԁ_ verWbrfamarkaWi_ .0YvefnihefurnefndinunniWaWrWgjfvegnareglnaum # _ markaWssvik_ Ԁog_ tboWslUsingar_ .EnnfremurhefurnefndingefiWt_ grunnreglur_ Ԁumstarfshtti  $ _ verWbrfaviWskiptum_ Ԁsem_ FjrmlaeftirlitiW_ ԀmunleitastviWaWinnleiWahrlandi. !W%   tmabilinuhefurveriWstofnaWtilhliWstWra_ samstarfsnefnda_ ԀWrumsviWum J""& _ fjrmlamarkaWar._ ԀStofnuWhefurveriWnefnd_ bankaeftirlita_ ,_ CEBS_ Ԁ(_ Committee_ Ԁof_ European_  #' _ Banking_ Ԁ_ Supervisors_ ),ognefnd_ vtrygginga_ -og_ lfeyrissj;Waeftirlita_ ,_ CEIOPS_ Ԁ(_ Committee_  #( of_ European_ Ԁ_ Insurance_ Ԁ_ and_ Ԁ_ Occupational_ Ԁ_ Pensions_ Ԁ_ Supervisors_ ).XessarnefndirerustofnaWar $ ) aW_ fyrirmynd_ Ԁ_ verWbrfaeftirlitsnefndarinnar_ ,_ CESR_ ,ogmunuhafasvipaWhlutverksnu v%N!* sviWi. A&"+  1.6.Rekstur_ Fjrmlaeftirlitsins_ .  '#-   herslur:_ Skilvirkur_ Ԁreksturog_ rangursstj;rnun_ . (z$. Ї_ Rekstrarumfang_ Ԁog_ eftirlitsgjald_ . (   riW2002nmugjld_ Fjrmlaeftirlitsins_ ԀaWmeWtldum_ eignakaupum_ Ԁalls266,7_ millj_ .  _ kr_ .TekjuraWmeWtldum_ fjrmunatekjum_ Ԁrinunmualls217,5_ millj_ ._ kr_ .,enYarafvoru  tekjuraf_ eftirlitsgjaldi_ Ԁ211,1_ millj_ ._ kr_ .GjldumframtekjurnmuYv49,2_ millj_ ._ kr_ .rinu a 2002.UndanskiliWframangreinduerugjldogtekjurvegna_ rskurWarnefnda_ ԀsemvistaWar T, eruhj_ Fjrmlaeftirlitinu_ .0rsbyrjun2002nam_ hfuWst;ll_ Ԁ_ Fjrmlaeftirlitsins_ ,eWa  _ uppsafnaWur_ Ԁ_ rekstrarrangur_ Ԁstofnunarinnarfrfyrrirum,um47,9_ millj_ ._ kr_ .TekiWvartillit  tilYessviWkvrWun_ eftirlitsgjalds_ ԀsemsamYykktvarAlYingifyrirriW2002.Tekjum   rsinsog_ hfuWst;l_ ԀvarrWstafaWtilrekstursrinuogvareigiWfrslok2002neikvttum  X 1,3_ millj_ ._ kr_ .eWa0,5%afgjldumstofnunarinnarsamtals. K #    & a SamkvmtendurskoWaWrirekstrartlun_ Fjrmlaeftirlitsins_ ԀfyrirriW2003ergertrW    fyriraWgjldrinuverWialls266,1_ millj_ ._ kr_ .tlaWeraWtekjuraWmeWtldum    _ vaxtatek'a (jum_ ԀverWi263,7_ millj_ ._ kr_ .enYarafverWitekjuraf_ eftirlitsgjaldi_ Ԁ259,7_ millj_ ._ kr_ .Gjld   _ umfram_ Ԁtekjurrinu2003eruYannigtlaWar2,4_ millj_ ._ kr_ .ogaWteknutillititil_ neikvWs_  wO  _ eiginfjr_ Ԁrsbyrjun2003,aWfjrhW1,3_ millj_ ._ kr_ .,ergertrWfyrir3,7_ millj_ ._ kr_ ._ yfirfrWum_  B  _ rekstrarhalla_ Ԁstofnunarinnarrekstrartlunvegnarsins2004.      Rekstrartlun_ Fjrmleftirlitsins_ ԀfyrirriW2004hefurveriWkynntviWskiptarWherra   samrmiviWkvWilaga.tluningerirrWfyriraW_ rekstrarumfang_ Ԁrinu2004aukistum {  8,5%frrinu2003.GerterrWfyriraWrinu2004munigjldrsinsnemaalls288,7_ millj_ . nF _ kr_ .ogtekjuraWmeWtldum_ fjrmunatekjum_ ԀverWi292,5_ millj_ ._ kr_ .enYarafverWilagt 9 _ eftirlitsgjald_ Ԁrinu2004um289,5_ millj_ ._ kr_ .    Samkvmtlgumnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi,skulu  _ eftirlitsskyldir_ ԀaWilarstandastraumafrekstri_ Fjrmlaeftirlitsins_ .Umlagningu r _ eftirlitsgjalds_ Ԁgildalgnr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeW e= fjrmlastarfsemi,meWsWaribreytingum._ EftirlitsgjaldiW_ ԀreiknastUmistsemhundraWshluti 0 afheildareignum,_ rekstrargjldum_ ԀeWa_ tryggingariWgjldum_ Ԁ_ eftirlitsskyldra_ ԀaWilasamrmi  viWeWlistarfsemiYeirra.0llumtilvikumerY;umaWrWakveWna_ lgmarksfjrhW_ .  _ Starfsmannafjldi_ Ԁogstarfsumhverfi. \4   0rsbyrjun2003vorufststWugildiviW_ FjrmlaeftirlitiW_ Ԁalls33enaukYessvoruYYrr ' lausrWnirstarfsmennrmlegatveimur_ stWugildum_ .Fjldifastra_ stWugilda_ Ԁvar;breyttur  miWjuri2003enYvorutveirlausrWnirstarfsmennrmlegaeinustWugildiviW  _ eftirlitiW._ Ԁ0rsbyrjun2002vorualls31stWugildiviW_ FjrmlaeftirlitiW_ .FrmiWjuri2002 `  tilmiWsrs2003h;futveirstarfsmennstrfhjstofnuninnienYrrltuafstrfum,Yaraf S+! einn_ lausrWinn._ ԀStarfsmenn_ Fjrmlaeftirlitsins_ ԀeruaWmeirihluta_ srfrWimenntaWir_ .Xannig " eru13YeirramenntaWirsviWi_ viWskiptafrWa_ ,ttaeru_ lgfrWimenntaWir_ ,tveir # _ tryggingastrWfrWingar_ Ԁogtveir_ tlvunarfrWingar_ .  $   MeWrekstrartlun_ Fjrmlaeftirlitsins_ Ԁvegnarsins2004semlgWhefurveriWfyrir !W% _ viWskiptarWherra_ ԀfylgirsrstkgreinargerWumreksturogstarfsumhverfi_ Fjrmlaeftirlitsins_  J""& nstuYrjr.0greinargerWinnierleitastviWaWgefamyndafYvhvertstefnirstarfsemiog #' rekstri_ Fjrmlaeftirlitsins_ ԀjafnframtYvaWlUsaYr;uneftirlitshrogYeimlndumsemviW #( berumokkurgjarnansamanviWYessumefnum.FjallaWerumnUlegarog_ fyrirsjanlegar_  $ ) _ breytingar_ Ԁ_ lagaumhverfi_ ԀogmguleghrifYessarekstur_ Fjrmlaeftirlitsins_ .Xer v%N!* _ skUrslunni_ ԀfjallaWuminnristarfsemi_ Fjrmlaeftirlitsins_ ,_ starfstilhgun_ ,markmiW A&"+ _ starfsmannamlum_ Ԁoghvertstefnirrekstri_ Fjrmlaeftirlitsins_ .  '", _ HeimasWan_ ԀogupplUsingamiWlunvarWandi_ eftirlitsstarfsemina_ . (z$.   UnniWvaraWendurb;tum_ heimasWu_ Ԁ_ Fjrmlaeftirlitsins_ ,www.fme.is,sWarihluta ( _ rsins_ Ԁ2002YeimtilgangiaWgeraefnisWunnar_ aWgengilegra_ ,enYessimiWillgegnirsfellt  _ mikilvgara_ Ԁ_ miWlunarhlutverki_ Ԁstarfsemi_ eftirlitsins_ ._ Eftirlitsskyldir_ ԀaWilarskjannr  alfariWggnogupplUsingarvarWandiskUrslu-og_ upplUsingaskil_ Ԁtil_ Fjrmlaeftirlitsins_ Ԁ a _ heimasWu_ Ԁ_ eftirlitsins_ ԀogYaWanmiWlar_ FjrmlaeftirlitiW_ Ԁfrttum,_ umrWuskjlum_ Ԁog T, _ margvslegum_ ԀtlulegumupplUsingumumstarfsemi_ eftirlitsskyldra_ ԀaWila.sWunniereinnig  aWfinnaallarhelstuupplUsingarervarWafyrirkomulag_ eftirlitsins_ ԀogYrstarfsreglursem  _ eftirlitiW_ Ԁbyggir.rinu2002urWubreytingarhsnWismlum_ Fjrmlaeftirlitsins_ ԀenY   fkkstofnunin_ viWb;tarhsnWi_ ԀsemgerbreytthefuraWstWutil_ kynninga_ Ԁogfunda.  X & , TmsartlulegarupplUsingartmabilinu1.jl2002til30.jn2003.      _ FjrmlaeftirlitiW_ Ԁhefurfyrri_ rsskUrslum_ ԀsnumbirtUmsartlulegarupplUsingarum    starfsemistofnunarinnar.EkkiberaWltaupplUsingarYessarsemneinskonarmlikvarWa   ', bHrangurYeirrarstarfsemisemeftirlitiWhefurmeWhndumenfremursemvsbendingarum wO  umfanghennarogbreytingarumfangi.HreftirverWaYvbirtarsvipaWarupplUsingarog B  fyrri_ rsskUrslum_ ԀhvaWYettavarWar.      tmabilinu1.jl2002til30.jn2003sendi_ FjrmlaeftirlitiW_ Ԁfrsrrflega3.000brf   ogveittim;ttkutplega2.200brfum.samatmabiliskiluWu_ eftirlitsskyldir_ ԀaWilar {  _ Fjrmlaeftirlitinu_ Ԁum1.600skUrslumvegnareglubundinnargagna-og_ upplUsingaflunar_  nF _ tilheyrandi_ Ԁ_ eftirlitsstarfseminni_ ._ Btsendu_ ԀbrfinYessutmabilierusvipuWaWfjldaog 9 _ sambrilegu_ ԀtmabiliYarundanen_ m;tteknum_ ԀbrfumhefurfjlgaWumtplega400.  SkUrslurfr_ eftirlitsskyldum_ ԀaWilumerueinnigtplega100fleirienfyrratmabili.    HaldiWerutanumverkefni_ Fjrmlaeftirlitsins_ Ԁsrstku_ mlaskrningarkerfi_ .XaWfelur r sraWstofnuWerumlumerindisembeintertilstofnunarinnarogeinstkverkefnisem e= fallatilvegnastarfseminnarsemsWanfafgreiWslusamrmiviWleiWbeiningartil 0 _ starfsmanna._ ԀYv12mnaWatmabilisemhrerfjallaWumurWutilum860slk  _ afgreiWsluml_ ԀhjstofnuninnisemersvipaWurheildarfjldiogfyrirsambrilegttmabilYar  undan. i   _ Fjrmlaeftirlitinu_ ԀberastaWjafnaWimargskonarformlegarfyrirspurnirervarWastarfsemi \4 _ fjrmlamarkaWi_ Ԁhrlandifr_ eftirlitsskyldum_ ԀaWilum,viWskiptavinumYeirraogUmsum ' opinberumaWilum.ErlendisfrbersteinnignokkuWaffyrirspurnumtengslumviW  _ alYj;Wlegt_ Ԁsamstarfumeftirlit_ fjrmlamrkuWum_ ԀogeinnigfrUmsumaWilumsemstunda  _ upplUsingamiWlun_ Ԁ_ fjrmlamrkuWum_ ԀogaWilumfjrmlastarfsemi.Yvtmabilisem `  hrumrWirbrust_ Fjrmlaeftirlitinu_ Ԁalls146formlegarfyrirspurnirogYarafvoru63fr S+! _ erlendum_ ԀaWilum.Sambrilegartlurfyrirnstat;lfmnaWatmabilYarundanvoru152 " og62. #   _ Kvrtunar_ -og_ neytendaml_ Ԁeruannarflokkurerindasem_ Fjrmlaeftirlitinu_ Ԁberast.Um  $ eraWrWaerindivegnaviWskiptaviW_ eftirlitsskylda_ ԀaWilasem_ FjrmlaeftirlitiW_ ԀtelurstWu !W% tilaWtakatilathugunar.Allsbrusteftirlitinu80slkmlnefndutmabiliensambrilegur J""& fjldifyrirtmabiliWundanvar55. #'   TmsarfleiritlulegarupplUsingartilviWb;tarframangreinduliggjafyrirumviWfangsefni #( _ Fjrmlaeftirlitsins_ .XannigmnefnaaWYvtmabilisemhrertilumfjllunarvoruskrW $ ) mlvegnaeftirlits_ starfsstWvum_ Ԁ_ eftirlitskyldra_ ԀaWilaalls38,en45fyrirnstasambrilega v%N!* tmabilundanogmlsemvarWaumfjllunumstarfsleyfi_ fjrmlafyrirtkja_ Ԁalls40en29 A&"+ tmabiliWundan.  '", _ Dagsektir_ . (z$.   Reglubundin_ skUrsluskil_ Ԁ_ eftirlitsskyldra_ ԀaWilatil_ Fjrmlaeftirlitsins_ ԀgegnaYUWingarmiklu ( hlutverkiviWframkvmdeftirlits_ fjrmlamarkaWi_ ԀogerYvnauWsynlegtaWYeimssinnt  meWeWlilegumogtilskildumhtti.kvWumreglugerWarnr.560/2001,umbeitingu  _ dagsekta_ Ԁog_ fvtis_ ԀopinberueftirlitimeWfjrmlastarfsemi,varfyrstasinnbeittfyrri a hlutarsins2002vegnaskUrslnasem_ eftirlitsskyldum_ ԀaWilumbaraWskila_ Fjrmlaeftirlitinu_ . T, Yvtmabilisemhrertilumfjllunarhefur_ FjrmlaeftirlitiW_ Ԁalls13tilvikumtekiW  _ kvrWun_ ԀumaWbeita_ dagsektum_ ԀgrundvellireglugerWarinnar.  Ѐ&  2._ FJRMLAMARKAVURINN_ Ԁ!XR:UNOGHORFUR  X  2.1._ LnamarkaWur_ .  K #  AukinarWsemi.      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( ml/9)%`|0 ~ `L E  [/ m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>  fyrrihlutars2003namsamanlagWurhagnaWurviWskiptabankaogsparisj;Wafyrir {  skatta9,5ma._ kr_ .ArWsemieiginfjr_ rsgrundvelli_ Ԁvar19,5%fyrrihluta2003.ArWsemi nF eiginfjrhltframaWaukastfrrinu2002semstafarfyrstogfremstafframhaldandi 9 _ gengishagnaWi_ Ԁ_ lnastofnana_ .0fyrstaskiptisWan1998hafa_ rekstrargjld_ Ԁhlutfalliaf  _ meWalstWu_ Ԁ_ efnahagsreiknings_ ԀhkkaW,sbr.mynd2.HlutfalliWlkkaWir3,7%riW1998  3,0%riW2002enhkkaWi3,3%fyrri_ rshluta_ Ԁ2003.Semhlutfallafhreinum r _ rekstrartekjum_ Ԁhafa_ rekstrargjld_ ԀY;haldiWframaWlkka,sbr.mynd1,semskUristafmeiri e= vextitekjumen_ rekstrargjldum_ .Hreinar_ vaxtatekjur_ Ԁsemhlutfallaf_ meWalstWu_  0 _ efnahagsreiknings_ Ԁfyrrihlutars2003erusvipaWarogriW2002eWa2,6%enaWrartekjur  vaxaverulegaeWar2,4%riW20023,1%fyrrihlutars2003,sbr.mynd2.Aukning  annarrateknaskUristfyrstogfremstafmiklumvexti_ gengishagnaWi_ Ԁaffjrmlastarfsemi, i sbr.ennfremurnnari_ umfjllun_ Ԁhreftir. \4 @! Mynd2.   ml-9)%`|1  ` Es s ZC m >Z>Z>> >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z >Z>Z>Z>Z   >Z>ZFramangrem)E%/ b)     indartlurumarWsemieiginfjrog_ kostnaWarhlutfll_ Ԁerumismunandimillieinstakra ( _ lnastofnana_ .Xannigvar_ miWgildi_ ԀarWsemieiginfjr19,7%fyrir_ viWskiptabankana_ Ԁfyrri  hlutarsins2003og9,9%fyrirsexstrstu_ sparisj;Wina_ .  AWrar_ rekstrartekjur_ Ԁfarahkkandi. T,   _ Rekstrartekjur_ ,aWrarenhreinar_ vaxtatekjur_ ,hjhelstulnastofnunumhkkuWur16,8  ma._ kr_ .riW200128,4ma._ kr_ .riW2002eWaum69%.XarafvargengishagnaWuraf  _ fjrmlastarfsemi_ ԀneikvWurum2,7ma._ kr_ .riW2001en_ jkvWur_ Ԁum7,1ma._ kr_ .riW2002   semer9,8ma._ kr_ .sveiflamilliraogskUrirYaWaukninguannarrarekstrarteknamilli  X ranna.fyrrihlutarsins2003voruaWrar_ rekstrartekjur_ Ԁ19,8ma._ kr_ .eWa70%af K #  heildartekjumrsins2002ogYarafnamgengishagnaWuraffjrmlastarfsemi7,5ma._ kr_ .    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Mynd5.  ( ml79)%`|0 C `L Ek   W m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>  Frrinu2000hafa_ ;vaxtaberandi_ Ԁtln_ F #  7      _ Ԁog_ fullnustueignir_ Ԁhlutfalliaf_ tlnum_ Ԁhj    _ bnkum_ Ԁogsparisj;Wumaukist,sbr.mynd6.XannignamhlutfalliW3,4%lokjn2003,   3,4%lok2002,2,7%lok2001og1,9%rslok2000.Ekkikemur;vartaWrleg {  _ afskriftaframlg_ Ԁhlutfalliaf_ meWaltlnum_ Ԁhafaeinnigaukistfrrinu2000.riW2002var nF hlutfalliW1,2%,riW2001varYaWeinnig1,2%en0,8%riW2000._ FjrmlaeftirlitiW_ Ԁtlar 9 aW_ afskriftaframlg_ Ԁrsins2003hlutfalliaf_ meWaltlnum_ ԀverWinlgt1,3%enmunilkka  riW2004.   >>>>@  Mynd6. e=  >>>> ml99)%`|0  `L E  W m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>')!(ǐ  Lj;sterafframansgWuaW_ fjrmlafyrirtki_ Ԁhafaundanfrnum_ missirum_ ԀglmtviW #' aukinn_ tlnavanda_ ԀsamhliWa_ niWursveiflu_ Ԁefnahagslfinueftirundanfarandi_ YensluskeiW_ . #( 0Yvsambandihefur_ FjrmlaeftirlitiW_ Ԁbeintsj;numsnumsrstaklegaaW_ tlnahttu_  $ ) _ fjrmlafyrirtkja_ ԀogframkvmttarlegarkannanirgWum_ tlna_ .Samkvmt v%N!* _ framangreindum_ ԀupplUsingum,sbr.myndir4,5og6,bendirUmislegttilYessaW A&"+ _ tlnavandinn_ ԀhafinWhmarkioghafiWstmabil_ tlnaaukningar_ Ԁsemmlastmuni ( tveggjastafatlum.ViW_ Yannig_ ԀaWstWurermikilvgtaWvandaWstil_ tlnakvarWana_ Ԁtil  aW_ lgmarka_ Ԁ_ tlnatp_ ԀframtWinni.  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"   fyrrihlutars2003hafa_ nett;_ Ԁskuldir_ viWskiptabankanna_ _ ? #  10      _ ԀviWerlendaaWilavaxiW # nUjanleik,sbr.mynd8.0lokjn2003nmu_ nett;_ Ԁskuldir_ viWskiptabankanna_ ԀviWerlenda  $ aWila364ma._ kr_ .semeraukningum17,8%fr_ rslokum_ Ԁ2002.TilsamanburWarhafa !W% _ heildareignir_ ԀbankannavaxiWum14,7%fr_ rm;tum_ .NUjustutlurum_ nett;_ Ԁskuldir J""& _ viWskiptabankanna_ ԀviWerlendaaWilabendatilframhaldandiaukningar.Aukinerlend #' skuldastaWa_ bankanna_ ԀhefurleitttilYessaWslenskubankarnireruauknummlihWir ( framboWierlendulnsfviW_ endurfjrmgnun_ .0lj;siYessamun_ FjrmlaeftirlitiW_ Ԁfram  hugaaW_ lausafjrstUringu_ Ԁbankanna,einkum_ m.t.t._ Ԁerlendrar_ endurfjrmgnunarhttu_ .  @! Mynd8.  T, mlG9 )%`|1   `L Eo o DC m >D>D>> >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>DDDD >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >D>D>D>D >>>D>DEigiWfeykstenvkjandilnstandastaW. e=   _ LgbundiW_ ԀeigiWfviWskiptabankaogsparisj;Wa_ I #  11      _ Ԁnam111,8ma._ kr_ .lokjn2003 0 samanboriWviW96,6ma._ kr_ .lokjn2002semerhkkunum15,2ma._ kr_ .eWa15,7%.    0lokjn2003hfWu_ viWskiptabankar_ Ԁog_ sparisj;Wir_ ԀgefiWtvkjandiskuldabrf,sem  teljasttil_ eiginfjrYttar_ ԀAviWtreikning_ eiginfjrhlutfalli_ ,fyrir6,2ma._ kr_ .samanboriWviW i 6,1ma._ kr_ .lokjn2002.Vkjandiskuldabrf,semteljasttil_ eiginfjrYttar_ ԀBogCviW \4 treikning_ eiginfjrhlutfalli_ ,nmulokjn200328,7ma._ kr_ .samanboriWviW28,2ma._ kr_ . 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( stWur_ afskrninga_ Ԁerufyrstogfremstaftvennumtoga,_ Y.e._ ԀannarsvegarsamruniviWflg  semeruYegarskrWKauphlloghinsvegaraWflginuppfyllaekkilengurkrfurum  dreifWaeignaraWild.LtiWhefurfariWfyrir_ nUskrningu_ Ԁfyrirtkjaalltfrrinu1999oger_ t.d._  a aWeinseittnUttflagskrWKauphllYaWsemaferrinu2003.EkkihefurveriWsWfyrir T, endannYessariYr;un,_ Y.e._ ԀfkkunskrWraflagaKauphll,enY;erekkistWatilaW  hafahyggjurYarsemreynslanfrWrumlndumsUniraWYessistrW,_ Y.e._ ԀfjldiskrWra  flagaKauphll,tekurbreytingum.ViWfkkunskrWraflagafallaaWjafnaWitYauflg   semltilviWskiptihafaveriWmeWog_ verWmyndun_ ԀYeirraerYvekkieinsogbestverWur  X kosiW.SumflghafajafnframttaliWsrofviWaaWuppfyllakrfurmarkaWarinstil K #  _ upplUsingagjafar_ ԀsemsfelltverWurstrriog_ kostnaWarsamari_ ԀYttur.Xauflgsemeftir    verWaKauphlleruYvlklegritilaWverameWvirkari_ verWmyndun_ Ԁogstandabeturundir    krfumhvaWvarWar_ upplUsingagjf_ .    >>>> >>>>@ Mynd15.  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J""& _ IWgjld_ Ԁ_ ViWlagatryggingar_ Ԁvoru855_ millj_ ._ kr_ .rinu2002,entj;nnmu172_ millj_ ._ kr_ .,og #' erYaW_ rltiW_ ԀbetriafkomaensWastari. #(   mynd23msjaWfjrfestingarverWbrfummeWbreytilegumtekjumhafaaukistjafnt $ ) ogYttfrrinu1998.FjrfestingarverWbrfummeWfstumtekjumogveWlnumdr;gust v%N!* samansWastari._ Eignarhlutir_ Ԁ_ vtryggingaflaga_ Ԁ_ hlutdeildarflgum_ Ԁjukustum739_ millj_ . A&"+ _ kr_ .og_ eignarhlutir_ Ԁ_ d;tturflgum_ Ԁum310_ millj_ ._ kr_ .AnnarshafaYessirtveirliWirsveiflast  '", _ tengslum_ ԀviWbreytingareignarhalditmabilinu. '#- Ї >>>>@  Mynd   //>>23.    >>//mlY9)%`|0 Qh: ` EGy h h .  m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>     >>? >> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>G;W e=  >>afko e=  >>ma 0 _  >>skaWa 0  >>tryggi   >>ngare   >>kstri_ .   >>>>  riW2002einkenndistafbetriafkomu_ skaWatryggingarekstri_ Ԁenundanfarinr.Srlagi i var_ afkoman_ Ԁrekstri_ kutkjatrygginga_ Ԁg;WogYakka_ vtryggingaflgin_ ԀYaWeinkumg;Wu \4 veWurfaririnu.Afkoma_ eignatrygginga_ Ԁvarhinsvegar;viWunandiaWmati ' _ vtryggingaflaganna_ ԀoglokrsinshkkuWuflgin_ iWgjldin_ Ԁhelstuflokkum  _ eignatrygginga_ ,einkumY;_ lgboWnum_ Ԁ_ brunatryggingum_ .    mynd24ssthvernighagnaWurafhelstuYttumstarfseminnarhefurskipstfrrinu `  1998.HagnaWuraf_ skaWatryggingarekstri_ ԀhefurYessutmabilialdreiveriWmeirienhann S+! j;kstum87%frfyrrari.HagnaWuraf_ fjrmlarekstri_ Ԁdr;sthinsvegarsamanum45%og " hefuraldreiveriWlgritmabilinu._ Lftryggingarekstur_ ԀskilaWitapirinu2002semer # fyrstariWmeW_ taprekstri_ Ԁtmabilinu.  $ @  Mynd24.  A&"+ ml[9)%`|0-: ` ER: : ( m '#- Ї?  Mynd25sUnirYr;uniWgjaldaog_ tj;na_ Ԁ_ skaWatryggingarekstri_ Ԁfrrinu1998.   _ IWgjaldatekjur_ ԀflagannahaldaframaWvaxa.Hlutur_ endurtryggjenda_ ԀiWgjldumvar16% {  riW2001,enj;kst17%sWastari. nF @  Mynd25.   ml]9)%`|0   `F E24  (r m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>  _  >>Tj;nagre #'  >>iWslur_  #(  >>rsins #(  >>2002heildjukustfrrinuWur,entj;nflagannaeiginhlutdr;gustsamanum4%.Stafar $ ) YessimunurafaukinniYtttku_ endurtryggjenda_ Ԁ_ tj;num_ ,enhnj;kstr12%riW2001 v%N!* 22%riW2002. A&"+ Afkomabatnar_ kutkjatryggingum_ . '#-   IWgjld_ lgboWnum_ Ԁ_ kutkjatryggingum_ Ԁnmu8,8ma._ kr_ .sWastarisamanboriWviW ( 8,2ma._ kr_ .riW2001.Tj;nrsinsvoruaWupphW7,7ma._ kr_ .oglkkuWuumtplega1ma.  _ kr_ .frfyrrari.HagnaWurgreinarinnar,YegarreiknaWhefurveriWmeWhlut_ endurtryggjenda_ ,  rekstrarkostnaWi,_ fjrfestingarkostnaWi_ ,_ g;Wahlutdeild_ Ԁog_ afslttum_ Ԁogbreytingu a _ tjfnunarskuld,_ Ԁvarum1ma._ kr_ .riW2001varhagnaWuraf_ lgboWnum_  T, _ kutkjatryggingum_ Ԁ42_ millj_ ._ kr_ .enrinYarundanvargreininrekinmeWtapi.    Mynd26sUnirYr;uniWgjldumrsins,_ tj;num_ ԀrsinsoghagnaWi/tapiaf_ lgboWnum_   _ kutkjatryggingum_ Ԁfrrinu1998.   @  Mynd26.     ml^9)%`|0  h: ` EG$h h  m >>>> >>>> >>>> >>>>     >>? >> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>  _ Tj;naskuld_ Ԁ_ lgboWinna_ Ԁ_ kutkjatrygginga_ ԀvarsWastari65%af_ tj;naskuld_   _ skaWatryggingaflaga_ Ԁheild,eWa24ma._ kr_ .af37ma._ kr_ .Vxtur_ tj;naskuldar_ Ԁ_ lgboWinna_  `  _ kutkjatrygginga_ ԀfrfyrrariverWlagirsins2002var1,8%,samanboriWviW5,3%vxt S+! riW2001og11,2%vxtriW2000.mynd27msjYr;un_ tj;naskuldar_ Ԁ_ lgboWnum_  " _ kutkjatryggingum_ Ԁfr1998. #  '#- @  Mynd27.  ( ml`9)%`|0 : ` E8 8 | m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>       >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>  Tj;nfrjlsum_ kutkjatryggingum_ ԀjukustsWastari,f;rur2,0ma._ kr_ .2,2ma._ kr_ . nF SWustutvrhafafrjlsar_ kutkjatryggingar_ ԀskilaWhagnaWi.Mynd28sUnirYr;uniWgjalda, 9 _ tj;na_ Ԁog_ hagnaWar_ /tapsfrjlsum_ kutkjatryggingum_ Ԁfr1998.  @  Mynd28.  r mlb9)%`|0 $: ` EL8 8  m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>Slkafkoma_ eignatryggingum_ . $ )   0lokrsins2002hkkuWu_ vtryggingaflgin_ ԀiWgjldnokkrumflokkum_ eignatrygginga_ . v%N!* TlduflginaW_ tj;natWni_ ԀhefWiaukistvaranlega.mynd29msjYr;uninafr1998og A&"+ YarsstaWgreininhefurveriWrekinmeWtapifrrinu2000.XaWrvarWtluvertstkk  '", _ fjrhW_ Ԁ_ tj;na_ ԀogsWanhafa_ tj;nafjrhWir_ ԀveriWverulegahrrienrunum1998!1999. '#- _ RekstrarkostnaWur_ Ԁ_ eignatryggingum_ ԀvarriW2002638_ millj_ ._ kr_ .oghkkaWir469_ millj_ . ( _ kr_ .frfyrrari.  @  Mynd29.  a mlg9)%`|0 : ` EU U h m >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>       >>>> >>>> >>>> >>>> >>>> >>>> >>>>_ Tj;naskuld_ Ԁhkkaren_ tjfnunarskuld_ Ԁlkkar. r   mynd30msjaWYr;unundanfarinnara_ tj;naskuld_ Ԁog_ tjfnunarskuld_ Ԁhltfram e= rinu2002.X;hgWivexti_ tj;naskuldar_ ԀYarsem_ raunaukning_ Ԁvar1,7%,samanboriWviW 0 7,2%riWWur._ Btjfnunarskuld_ ԀlkkaWihinsvegarhraWarenriWWur,um7,2%  _ samanboriW_ ԀviW4,9%.  mlm9)%`|0 : ` EU U  m@  Mynd30.  \4  >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>> >>>>       v  >>>> >>>> >>>> >>>> >>>>'#->>   mynd31ssthlutdeildhelstugreina_ skaWatrygginga_ Ԁ_ tj;naskuld_ Ԁog_ tjfnunarskuld_ . ( @  Mynd31.   mlo9 )%`|0 : ` E;  n* m >n>n>> >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >n>n>n>n >>>n>n  Greinarsemhafahlutfallslegalga_ tj;naskuld_ ԀmiWaWviWhlutdeildiWgjldumgerastupp r tiltlulegaskmmumtma,_ t.d._ Ԁ_ eignatryggingar_ ,meWan_ t.d._ ԀfjrhWirvegnahverstj;ns e= _ slysatj;num_ Ԁ_ lgboWinna_ Ԁ_ kutkjatrygginga_ Ԁeru_ tj;naskuld_ Ԁnokkurr.Greinarsemhafa 0 hlutfallslegaha_ tjfnunarskuld_ ԀeinkennastafYvaWtj;neruftW,eneinstktj;ngeta  orWiWmjgdUr._ Btjfnunarskuld_ ԀerhlutfallslegalggreinumYarsem_ tj;natWni_ Ԁerh,en  _ tj;nafjrhWir_ ԀaWjafnaWilgar. i G;Warhorfur_ skaWatryggingarekstri_ Ԁrinu2003. '   _ Sj;v_ -Almennartryggingarhf.,_ TryggingamiWstWin_ Ԁhf.og_ Vtryggingaflag_ Ԁ0slandshf.  erueinu_ vtryggingaflgin_ ԀsemskrWerumarkaWioggefaYvt_ milliuppgjr_ .Af  _ milliuppgjrum_ ԀYeirrameinnigfmyndafstarfsemi_ d;tturflaganna_ ԀsemeruSameinaWa `  _ lftryggingaflagiW_ Ԁhf.,_ LftryggingamiWstWin_ Ԁhf.og_ Lftryggingaflag_ Ԁ0slandshf. S+!   SamanburWur_ hlfsrsuppgjrum_ ԀYessaraYriggja_ samstWna_ ԀmiWaWviWsamatmabil " fyrrafstuverWlagileiWirhelstlj;saWiWgjld_ skaWatryggingarekstri_ Ԁjukustum2,7% # meWantj;ndr;gustsamanum24,5%.HagnaWuraf_ skaWatryggingarekstri_ ԀvarW75%hrri  $ _ tmabilinu_ ԀYannigaWhorfureruaWriW2003reynist_ skaWatryggingaflgum_ Ԁeinnig !W% _ hagsttt._  J""&   SamanlagtskilaWi_ lftryggingarekstur_ ԀWurnefndraYriggja_ lftryggingaflaga_ Ԁ47_ millj_ ._ kr_ . #' tapitmabilinu,ensamanburWartlurfrsamatmabiliriW2002liggjaekkifyrir. #(   LoksmgetaYessaWfrram;tumhkkaWi_ tj;naskuld_ ԀflagannaaWraungildium2,4% $ ) fyrstusexmnuWirsins2003,enekkierhgtaWberaYtlusamanviWhkkunsWastars v%N!* Yarsemhluti_ tj;naskuldar_ ԀfrfyrrihlutarsergerWuruppsWarihlutarsins. A&"+  '#- ЇMinnkandisala_ vtryggingamiWlara_ Ԁtilerlendra_ vtryggingaflaga_ . (   B;kfrWiWgjldinnlendra_ lftryggingaflaga_ Ԁnmu2,3ma._ kr_ .sWastari,samanboriW  viW1,9ma._ kr_ .sWastari.Frrinu1997hafa_ vtryggingamiWlarar_ ԀmiWlaWsamtals2,6ma.  _ kr_ .iWgjldumvegnanUrrasamninga_ pers;nutryggingum_ Ԁtilerlendra_ vtryggingaflaga_ , a eniWgjldvegnanUrrasamninganmuY;einungis163_ millj_ ._ kr_ .riW2002.HmarkinWi T, _ miWlun_ ԀnUrrasamninga_ pers;nutryggingum_ Ԁtilerlendra_ vtryggingaflaga_ ԀriW2000,enY  varmiWlaW809_ millj_ ._ kr_ .u #  12      ׀Sala_ vtryggingamiWlara_ Ԁinnlendum_ viWb;tarlfeyrissparnaWi_   hefurhinsvegaraukistundanfarinr.mynd32msjYr;uniWgjldum   _ vtryggingamiWlara_ Ԁtil_ erlendra_ ԀflagavegnanUrrasamningaverWlagirsins2002.  X mlw9!)%`|0  |0 ` E&| | r  !m@  Mynd32.      >r>r>> >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r       >r>r? >r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >r>r>r>r >>>r>r3.HERSLUR0STARFI_ FJRMLAEFTIRLITSINS_ ԀNSTU_ MISSIRI_     _ FjrmlaeftirlitiW_ Ԁbyggirstarfsemisna_ meginherslum_ Ԁsemmyndakjlfestu  _ starfseminni._ ԀXessar_ meginherslur_ ԀverWa;breyttarfrfyrrari,enunniWverWuraWnUjum `  _ verkefnum_ ԀgrundvelliYeirra.0Yessumkaflaeru_ meginherslur_ Ԁ_ Fjrmlaeftirlitsins_ Ԁ_ rifjaWar_  S+! uppogvikiWaWverkefnumsemunniWverWuraWogfallaaWYessumherslum. "  3.1._ httustUring_ Ԁoginnraeftirlit!hlutverkstj;rna.   $   _ FjrmlaeftirlitiW_ ԀstuWlaraWYvaWhverju_ fjrmlafyrirtki_ Ԁsustj;rnendursemtilYess !W% erubriraWbafyrirtkinusterktskipulag,skUrastefnu,_ skilvirkar_ Ԁinnrireglurog J""& _ verkferla,_ ԀviWeigandi_ upplUsingakerfi_ ԀoginnriendurskoWun.MeWYverstj;rnendunum #' sjlfumogWrumstarfsmnnumkleiftaWmetameWrttuYhttusemstarfseminnifelst #( ogstUrahennisamrmiviWstyrkleikafyrirtkisins. $ )   v%N!* &   DmiumalmennaraWgerWirsWastatmabili: (  fikmo    (Jx8 $"i0J"  i0J 2J!3  Ԉ0    FundirmeWstj;rnarmnnum.i0J݌ Ќ  "i0J"  i0J 2J!3  Ԉ0    _ httumatskerfi_ Ԁfyrir_ fjrmlafyrirtki_ ,_ lagspr;f_ ԀnotuWeftirliti.i0J݌ Ќ  "i0J"  i0J 2J!3  Ԉ0    Styrkingeftirlits_ samstWugrundvelli_ .i0JH݌a Ќ  '(  _ FjrmlaeftirlitiW_ ԀmunhaldaframaWeflasamskiptiviWstj;rnirfyrirtkja T, _ fjrmlamarkaWi._ ԀStefnteraWYvaWhaldareglulega_ kynningarfundi_ Ԁfyrirstj;rnarmenn  _ eftirlitsskyldra_ ԀaWilaYvskyniaWmiWlaafreynslureftirliti_ Fjrmlaeftirlitsins_ Ԁogkoma  _ framfri_ ԀhersluatriWum.     _ FjrmlaeftirlitiW_ ԀmunaukavginUrraaWferWaeftirlitimeW_ httustUringu_ ,koma  X einkunnagjfeftirlitifleirisviWumogYr;a_ lagspr;f_ ԀsemnUstgetaeftirliti. K #    _ FjrmlaeftirlitiW_ ԀmunhaldaframaWstyrkjayfirsUnogeftirlitmeWsamstWumfyrirtkja    _ fjrmlamarkaWi_ .SamstarfviW_ eftirlitsstofnanir_ ԀWrumlndumverWureflttilaWtryggja    _ skilvirkt_ ԀeftirlitmeW_ samstWufyrirtkjum_ Ԁsems;tthafaerlendamarkaWi.    3.2.Starfshttir_ fjrmlamarkaWi_ .  B    _ FjrmlaeftirlitiW_ ԀfylgistmeWYvaWstarfsemi_ fjrmlamarkaWi_ ԀssamrmiviWeWlilega    ogheilbrigWa_ viWskiptahtti_ .rYr;unstarfsemi_ fjrmlamarkaWi_ ԀkallarstWugteftirlit   meWstarfshttumYarsembrugWisterviWbreyttumaWstWum. {  DmiumalmennaraWgerWirsWastatmabili: 9  pikmo    (Zxxfikmo    "i0J"  i0JO 2Z!3  Ԉ0    Fyrirbyggjandieftirlit_ innherjaviWskiptum_ .i0JO|݌ Ќ  "i0J"  i0Jh 2Z!3  Ԉ0    EflingeftirlitsmeWeigendumvirkra_ eignarhluta_ .i0Jh݌ Ќ  "i0J"  i0J 2Z!3  Ԉ0    Setningtilmlaumefnireglnaumstj;rnir_ fjrmlafyrirtkja_ .i0J݌r Ќ    AukiWeftirlitmeWviWskiptum_ fjrmlafyrirtkja_ ԀviW_ venslaWa_ ԀaWila. e= "i0J"  i0Jg 2Z!3  Ԉ0    M;tuntilmlaervarWasamningaum_ viWb;tarlfeyrissparnaW_ .i0Jg݌0 Ќ  "i0J"  i0J 2Z!3  Ԉ0    M;tuntilmlaervarWamiWlunogslu_ vtrygginga_ .i0J݌ Ќ    _ FjrmlaeftirlitiW_ ԀmunframleggjaherslufyrirbyggjandieftirlitmeWstarfshttum  _ fjrmlamarkaWi_ ԀYvskyniaWdragarhttunni_ innherjasvikum_ ,_ markaWsmisnotkun_ ԀeWa i ;fullngjandirWgjftilviWskiptamannafyrirtkja_ fjrmlamarkaWi_ .Mun \4 _ FjrmlaeftirlitiW_ Ԁ_ m.a._ ԀhugaaWbeitingu_ nUfenginna_ ԀheimildatilaWleggja_ stj;rnvaldssektir_  ' aWilasemekkifylgja_ lagafyrirmlum_ ԀummeWferW_ innherjaupplUsinga_ .    0YessuskynierstefntaWYvaWsetjaleiWbeinanditilmliumviWskipti  _ verWbrfamarkaWi,_ Ԁsembyggjast_ grunnreglum_ Ԁsemnefndevr;pskra_ verWbrfaeftirlita_  `  (_ CESR_ )hefur_ staWfest_ ԀogeinsettsraWfylgjaeftir._ Grunnreglurnar_ ԀvarWaUmisatriWium S+! samskipti_ fjrmlafyrirtkja_ ԀogviWskiptavina,svosemrWgjfogfrgangsamninga.Huga " YarfaWnokkrum_ kvWum_ Ԁ_ grunnreglnanna_ ԀviWnstuendurskoWunlggjafarYessusviWi. #   JafnframtYarfnstu_ missirum_ ԀaWhugaaW_ innleiWingu_ Ԁog_ eftirfylgni_ ԀviWnUjartilskipanir  $ semgildamunuEvr;pska_ efnahagssvWinu_ Ԁum_ markaWssvik_ Ԁog_ tboWslUsingar_ .Xr !W% _ tilskipanir_ Ԁgera_ m.a._ ԀrWfyrirsamrminguogeflingueftirlitsog_ eftirlitsrrWa_ Ԁvegna J""& Yessaramlaflokka. #'   HugaWverWuraWumgjrWum_ starfsheimildir_ Ԁ_ fjrmlafyrirtkja_ .StefnteraWYvaW #( styrkjaeftirlitmeW_ tmabundinni_ Ԁstarfsemi_ fjrmlafyrirtkja_ ԀtengslumviWsvokallaWa $ ) _ umbreytingafjrfestingu_ ԀoghugaaWaWskilnaWihagsmuna_ viWskiptabankastarfsemi_ Ԁannars v%N!*  _ vegar_ Ԁog_ fjrfestingarbankastarfsemi_ Ԁhinsvegar. A&"+   & ,  framverWurherslalgWeftirlitmeWstarfshttumeigendavirkra_ eignarhluta_ Ԁ ( _ fjrmlafyrirtkjum._ ԀMiklarbreytingareignarhaldi_ fjrmlafyrirtkja_ ԀundanfarnamnuWi  ogfenginreynslagefur_ Fjrmlaeftirlitinu_ ԀtilefnitilaWhugafrekaraWhrifumYeirra  starfsemiviWkomandifyrirtkja.',( a  3.3._ MarkaWsaWhald_ .     _ FjrmlaeftirlitiW_ ԀleggurhersluaWstuWlaaWauknu_ gegnsi_ Ԁstarfsemi  _ fjrmlafyrirtkja._ ԀMeWYvskapastaukiWaWhaldafhlfumarkaWarins,samhliWaaWhaldi   innra_ eftirlits_ Ԁog_ opinbers_ ԀeftirlitsmeWfjrmlastarfsemi.  X DmiumalmennaraWgerWirsWastatmabili:    "i0J"  i0JQ 2Z!3  Ԉ0    AukiW_ gegnsi_ Ԁ_ tryggingafrWilegum_ Ԁ_ ttektum_ Ԁlfeyrissj;Wa,meWframsetningunUrra    skUrslna._ UmrWuskjal_ ԀumnU_ skUrsluskil_ Ԁlfeyrissj;Waum_ tryggingafrWilegar_ Ԁ_ ttektir_ .i0JQ~݌  Ќ  "i0J"  i0J 2Z!3  Ԉ0    _ St;refld_ Ԁ_ kynningarstarfsemi_ Ԁvegum_ Fjrmlaeftirlitsins_ Ԁgagnvart_ eftirlitsskyldum_  wO  aWilum.i0J ݌B  Ќ    _ FjrmlaeftirlitiW_ ԀmuntakaYttundirbningsvinnuviWaWtakaupp_ reikningsskilastaWla_     _ AlYj;WareikningsskilarWsins_ ԀhrlandisamrmiviWskuldbindingar0slandsumaWtaka   _ staWlana_ Ԁupp_ samstWureikningsskilum_ ԀskrWraflagafrogmeWrinu2005. {  _ FjrmlaeftirlitiW_ Ԁseturreglurumreikningsskil_ fjrmlafyrirtkja_ Ԁoglfeyrissj;Waogmun nF fylgjastmeWundirbningi_ fjrmlafyrirtkja_ Ԁvegnabreytinganna.Ekkiliggurhinsvegar 9 fyrir_ hvernig_ ԀeftirlitimeW_ alYj;WareikningsskilastWlunum_ ԀverWurhttaWaWWruleyti.  MikilvgteraWvelverWistaWiWaWbreytingunumogaWYrleiWitil_ samrmdra_ Ԁog  _ gegnsrra_ Ԁ_ reikningsskila_ . r   _ FjrmlaeftirlitiW_ ԀtelurbrUntaWtakauppumrWuumhvernigaukamegi_ upplUsingagjf_  e= umstarfsemiogniWurstWur_ eftirlitsins_ ,einkum_ verWbrfamarkaWi_ .0YvefniverWuraW 0 hugaaWYvhvernigskilgreinamegibeturYagnarskyldu_ eftirlitsins_ ԀogumleiWkveWaum  _ upplUsingaskyldu_ ԀYesstilteknummlaflokkum.   3.4._ Samkeppnishfni_ Ԁ_ fjrmlamarkaWar_ .  \4   _ FjrmlaeftirlitiW_ ԀhefurhlutverkiaWgegnaviWaWskapahr_ samkeppnishfan_  ' _ fjrmlamarkaW._ ԀXaWergertmeWYtttkum;tun_ skilvirks_ Ԁ_ fjrmlamarkaWar_ Ԁog_ eftirfylgni_   viW_ sj;narmiW_ ԀumhagsmuniviWskiptamannaogryggi_ fjrmlaYj;nustu_ .  DmiumalmennaraWgerWirsWastatmabili: S+! "i0J"  i0J  2Z!3  Ԉ0    EflingeftirlitsskilarsrjkvWumniWurstWum_ AlYj;Wagjaldeyrissj;Wsins_ Ԁathugun " _ fjrmlastWugleika_ .i0J  ݌# Ќ  "i0J"  i0JK 2Z!3  Ԉ0    AukiWsamstarfviW_ eftirlitsstofnanir_ ԀlndumYarseminnlend_ fjrmlafyrirtki_ Ԁstunda  $ starfsemi.i0JKx݌!W% Ќ    _ FjrmlaeftirlitiW_ ԀgegnirhlutverkiviWm;tun_ samkeppnishfs_ Ԁ_ fjrmlamarkaWar_ ԀmeW J""& _ Ytttku_ Ԁsinnisamstarfievr;pskra_ fjrmlaeftirlita_ ԀeinstkumsviWum #' _ fjrmlamarkaWarins._ ԀXessusamstarfi,semlUsternnarkafla1.5,ertlaWaWstuWlaaW #( aukinni_ samrmingu_ Ԁreglna_ fjrmlamarkaWi_ Ԁog_ einsleitni_ Ԁeftirliti.GangiYauformeftir $ ) munYaWkoma_ slenskum_ Ԁfyrirtkjum_ fjrmlamarkaWi_ Ԁog_ viWskiptamnnum_ ԀYeirratil v%N!*  g;Wa.VinnaviW_ upptku_ ԀstaWla_ AlYj;WareikningsskilarWsins_ ԀerafsamameiWi. A&"+   & ,  Aukintrsslenskra_ fjrmlafyrirtkja_ ԀhefurfrmeWsrviWvarandisamanburW ( _ slenskum_ Ԁogerlendum_ fjrmlamrkuWum_ ._ FjrmlaeftirlitiW_ Ԁmunstarfsemisinnileita  _ samanburWar_ ԀviWerlendeftirlitYvskyniaWstyrkja_ samkeppnishfni_ Ԁ_ fjrmlamarkaWarins_ .  ',(4._ EFTIRLITSSKYLDIR_ ԀAVILAR T,  4.1.Fjldi_ eftirlitsskyldra_ ԀaWila.     Xann30.jn2003varfjldiYeirraaWilasemltaeftirliti_ Fjrmlaeftirlitsins_ Ԁsemhr  greinir:    !4<?m?vvb<    mm#m  Starfa_ samkvamt_ Ԁlgumnr.: K #  _ ViWskiptabankar_ !!"m4  161/2002,um_ fjrmlafyrirtki_     _ Sparisj;Wir_ !m24  161/2002,um_ fjrmlafyrirtki_     _ Lnafyrirtki_ !!"m9  161/2002,um_ fjrmlafyrirtki_    _ Innlnsdeildir_ Ԁsamvinnuflaga!!"m7  22/1991,meWsWaribreytingum wO  VerWbrfafyrirtki!!"m7  161/2002,um_ fjrmlafyrirtki_  B  _ VerWbrfamiWlanir_ !!"m2  161/2002,um_ fjrmlafyrirtki_     _ VerWbrfasj;Wir_ !m100  30/2003,um_ verWbrfasj_ .og_ fjrfestingarsj.*)_   _ Rekstrarflg_ Ԁ_ verWbrfasj;Wa_ !!"m6  161/2002,um_ fjrmlafyrirtki_  {  _ Kauphallir_ ԀogaWrir_ skipulegir_ Ԁ_ tilboWsmarkaWir_ !!"m1  34/1998,meWsWaribreytingum nF _ VerWbrfamiWstWvar_ !!"m1  131/1997,meWsWaribreytingum 9 Lfeyrissj;Wir!m51  129/1997,meWsWaribreytingum  _ Vtryggingaflg_ !m14  60/1994,meWsWaribreytingum  _ VtryggingamiWlarar_ !m19  60/1994,meWsWaribreytingum r AWrir_ eftirlitsskyldir_ ԀaWilar!!"m5  Tmislg e=  Samtals m160  0 #!4 `# >!4  *)Lgnr.30/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ ,t;kugildi1.jl2003.#!4 ##   4.2.0  Breytingarstarfsleyfum,heitumogfjlda_ eftirlitsskyldra_ ԀaWilatmabilinu1.jl \4 2002til30.jn2003. ' _ LnamarkaWur_ .    _ EignarhaldsflagiW_ ԀAlYUWubankinnhf.varsameinaW_ Xr;unarflagi_ Ԁ0slandshf.Yann7.  okt;ber2002ogstarfaWiflagiWundirheitihinssWarnefndatil25.febrar2003enYvar `  nafniflagsinsbreyttFramtak_ Fjrfestingarbanka_ Ԁhf.MeWlgumnr.161/2002,um S+! _ fjrmlafyrirtki,_ Ԁsemt;kugildi1.janar2003varkveWiWumaW_ Hafnab;tasj;Wur_ Ԁog " _ FerWamlasj;Wur_ Ԁteldustekkitil_ fjrmlafyrirtkja_ ԀenYessirsj;WirhfWuWurstarfaW # samkvmtlgumnr.123/1993,umlnastofnaniraWrarenviWskiptabankaogsparisj;Wi.Xann  $ 11._ febrar_ Ԁ2003samYykkti_ FjrmlaeftirlitiW_ Ԁbreytingutveggjasparisj;Wa,_ Sparisj;Ws_  !W% _ KaupYings_ Ԁog_ nb.is_ -sparisj;Wsins,_ hlutaflg_ . J""&   Xann27.ma2003samYykkti_ FjrmlaeftirlitiW_ Ԁsamruna_ KaupYings_ Ԁbankahf.og #' _ BnaWarbanka_ Ԁ0slandshf.ennafnhinssameinaWaflagser_ KaupYing_ Ԁ_ BnaWarbanki_ Ԁhf.Xann #( 20.september2002yfirt;k_ 0slandsbanki_ Ԁhf.,samkvmtsrstkumsamningibankansog $ ) _ Kaupflags_ Ԁ_ EyfirWinga_ ,allarskuldbindingar_ innlnsdeildar_ Ԁ_ Kaupflags_ Ԁ_ EyfirWinga_ Ԁgagnvart v%N!* _ eigendum_ Ԁ_ innlnsfjr_ .Xann31.desember2002var_ innlnsdeild_ ԀSamvinnuflagsinsHreyfils A&"+ lgWniWurog_ viWskiptamnnum_ ԀgreiddartinnstWurviW_ innlnsdeildina_ .  '",  '#- VerWbrfamarkaWur. ( VerWbrfafyrirtki.    Xann3.okt;ber2002veittiviWskiptarWherraflaginu_ Arion_ Ԁ_ verWbrfavrslu_ Ԁhf.  _ starfsleyfi_ Ԁ_ verWbrfafyrirtkis_ Ԁgrundvellilaganr.13/1996. a _ VerWbrfamiWlanir_ .    Xann30.jn2003skilaWiflagiWAnnarhf.-VerWbrfstarfsleyfisnutil  _ verWbrfamiWlunar_ Ԁtil_ Fjrmlaeftirlitsins_ .   _ LfeyrismarkaWur_ . K #    Xann24.febrar2003staWfestifjrmlarWuneytiWbreytingarsamYykktumAlmenna    lfeyrissj;Wsins_ V0B_ Ԁhf.ogLfeyrissj;Ws_ arkitekta_ Ԁog_ tknifrWinga_ Ԁensj;Wirnirvoru    _ sameinaWir_ ԀundirheitinuAlmennilfeyrissj;WurinnmiWaWviW1.janar2003.   _ VtryggingamarkaWur_ . B  _ Vtryggingaflg_ .      Xann30.jl2002veittiviWskiptarWherra_ 0slandstryggingu_ Ԁhf.starfsleyfi   _ vtryggingaflags_ ԀkveWnumgreinum_ skaWatrygginga_ .Xann6.n;vember2002veitti {  viWskiptarWherra_ LftryggingamiWstWinni_ Ԁhf.starfsleyfivtryggingaflagsgreinaflokki nF httu-og_ sfnunarlftrygginga._  9 _ VtryggingamiWlarar_ .    ViWskiptarWherraveitti_ eftirgreind_ Ԁstarfsleyfi_ vtryggingamiWlara_ Ԁhrlanditmabilinu: r TryggingarogrWgjf_ ehf_ .26.september2002;_ DDF_ Ԁ_ VtryggingamiWlunin_ Ԁ_ ehf_ .12. e= _ n;vember_ Ԁ2002;_ TryggingamiWlun_ ԀReykjavkur_ ehf_ .10.mars2003;_ TryggingaYj;nustan_ Ԁ_ ehf_ . 0 14.ma2003.    _ FjrmlaeftirlitiW_ ԀskrWiYessiflg_ vtryggingamiWlaraskr_ Ԁtmabilinu:_ Besso_ Ԁ_ Limited_ ,  London,30.september2002;_ Aon_ Ԁ_ Limited_ ,London,6.jn2003. i   EftirtalinflgskiluWustarfsleyfumsnumsem_ vtryggingamiWlarar_ Ԁtil \4 _ viWskiptarWuneytisins_ Ԁtmabilinu:_ TryggingamiWlunin_ ԀGildi_ ehf_ .28.gst2002;0slenska ' _ vtryggingamiWlunin_ Ԁ_ ehf_ .(_ 0SV_ ._ ehf_ .)10.okt;ber2002;_ VtryggingamiWlunin_ Ԁ_ ehf_ .18.  okt;ber2002;_ Nor_ Ԁ_ Finans_ Ԁ0slandi_ ehf_ .26.febrar2003.Xann15.janar2003varstarfsleyfi  _ Den_ Ԁ_ Danske_ Ԁ_ Forsikringsmgler_ ԀA/ShrlandifelltniWur. `    tmabilinuhafa_ eftirgreindir_ ԀeinstaklingarskilaWstarfsleyfumsnumtil S+! _ vtryggingamiWlunar:_ ԀValurArnY;rsson27.jl2002;rnGstafsson3.september2002; " Ingi_ Eldjrn_ ԀSigurWsson22.n;vember2002;KristinnRnarSigurWsson13.febrar2003; # Trausti_ SigurWsson_ Ԁ24.febrar2003.  $ AWrir_ eftirlitsskyldir_ ԀaWilar. J""&   Xann1.jl2002varnafni_ VerWbrfaYings_ Ԁ0slandshf.breyttKauphll0slandshf. #'   #(  & #  4.3.Listiyfir_ eftirlitsskylda_ ԀaWila30.jn2003.  ( <?vvb?m<     _ VIVSKIPTABANKAR_ 0  HfuWstWvar      _ 0slandsbanki_ Ԁhf.  Reykjavk a     _ KaupYing_ Ԁ_ BnaWarbanki_ Ԁhf.  Reykjavk T,     Landsbanki0slandshf.  Reykjavk      _ Sparisj;Wabanki_ Ԁ0slandshf.  Reykjavk  Ѐ'#(eD     _ SPARISJ:VIR_ Ԁ   X     _ nb.is_ -sparisj;Wurhf.  Reykjavk K #      Sparisj;WurBolungarvkur  Bolungarvk        Sparisj;WurHafnarfjarWar  HafnarfjrWur        Sparisj;Wur_ HornafjarWar_ Ԁogngrennis  Hfn       Sparisj;Wur_ H;lahrepps_   SauWrkr;kur wO      Sparisj;Wur_ HnaYings_ ԀogStranda  Hvammstangi B      Sparisj;Wur_ HfWhverfinga_   Grenivk        Sparisj;Wur_ KaupYings_ Ԁhf.  Reykjavk       Sparisj;WurK;pavogs  K;pavogur {      Sparisj;WurMUrasUslu  Borgarnes nF     Sparisj;WurNorWfjarWar  NeskaupstaWur 9     Sparisj;WurNorWlendinga  Akureyri      Sparisj;Wur_ :lafsfjarWar_   :lafsfjrWur      Sparisj;Wur:lafsvkur  :lafsvk r     Sparisj;WurReykjavkurogngrennis  Reykjavk e=     Sparisj;WurSiglufjarWar  SiglufjrWur 0     Sparisj;WurStrandamanna  H;lmavk      Sparisj;WurSuWur-Xingeyinga  Laugar      Sparisj;Wur_ Svarfdla_   Dalvk i     Sparisj;WurVestfirWinga  Xingeyri \4     Sparisj;WurVestmannaeyja  Vestmannaeyjar '     Sparisj;Wurvlstj;ra  Reykjavk      Sparisj;WurX;rshafnar  X;rshfn      _ Sparisj;Wurinn_ ԀKeflavk  Keflavk `       _ LNAFYRIRTKI_ Ԁ  "     Framtak_ Fjrfestingarbanki_ Ԁhf.  Reykjavk #     Frjlsi_ Fjrfestingarbankinn_ Ԁhf.  Reykjavk  $     GreiWslumiWlunhf.!_ VISA_ Ԁ0sland  Reykjavk !W%     Kreditkorthf.!_ EUROPAY_ Ԁ0sland  Reykjavk J""&     ByggWastofnun  Reykjavk #'     Lnasj;WurlandbnaWarins  Selfoss #(     _ Glitnir_ Ԁhf.  Reykjavk $ )     LUsinghf.  Reykjavk v%N!*     _ SP_ -Fjrmgnunhf.  Reykjavk A&"+    '", &       _ INNLNSDEILDIR_ ԀSAMVINNUFLAGA  (     Kaupflag_ rnesinga_   Selfoss      KaupflagAustur-Skaftfellinga  Hfn      Kaupflag_ FskrWsfirWinga_   FskrWsfjrWur a     Kaupflag_ HraWsba_   EgilsstaWir T, '(IW    KaupflagSkagfirWinga  SkagafjrWur      KaupflagSuWurnesja  _ Reykjanesbr_       KaupflagV-Hnvetninga  Hvammstangi        VERVBRFAFYRIRTKI  HfuWstWvar  K #      _ Arion_ Ԁ_ verWbrfavarsla_ Ԁhf.  Reykjavk        _ Fjrvernd_ Ԁ!VerWbrfhf.  Reykjavk        0slenskverWbrfhf.  Akureyri       Jklar!VerWbrfhf.  Reykjavk wO      _ MP_ ԀVerWbrfhf.  Reykjavk B      _ VerWbrfastofan_ Ԁhf.  Reykjavk        VirWinghf.  Reykjavk        _ VERVBRFAMIVLANIR_ Ԁ  nF     0slenskir_ fjrfestar_ Ԁhf.  Reykjavk 9     Vaxta_ ehf_ .!verWbrfamiWlun  K;pavogur       _ VERVBRFASJ:VIR_ Ԁ  r     _ HvxtunarflagiW_ Ԁhf.  Reykjavk e=     _ Heimasj;Wir_ Ԁ_ 0SB_ Ԁhf.*)  Reykjavk 0     _ Landssj;Wur_ Ԁhf.  Reykjavk      Landssj;Wur2hf.*)  Reykjavk      _ SPH_ Ԁ_ VerWbrfasj;Wurinn_ Ԁhf.*)  Reykjavk i     _ VerWbrfasj;Wir_ Ԁ_ 0slandsbanka_ Ԁhf.  Reykjavk \4     _ VerWbrfasj;Wur_ Ԁ_ BnaWarbankans_ Ԁhf.  Reykjavk '     _ Vsitlusj;Wur_ ԀB0hf.*)  Reykjavk      _ VerWbrfasj;Wur_ Ԁ_ 0V_ Ԁhf.*)  Akureyri      _ visj;Wurinn_ Ԁhf.*)  Reykjavk `      *)_ VerWbrfasj;Wir_ ԀsemeingnguerheimiltaW_ markaWssetja_ Ԁ0slandi. "      _ REKSTRARFLG_ Ԁ_ VERVBRFASJ:VA_ Ԁ   $     0slenskVerWbrf-EignastUring_ ehf_ .  Akureyri !W%     _ KaupYing_ -eignastUring_ ehf_ .  Reykjavk J""&     _ Landsvaki_ Ԁ_ ehf_ .  Reykjavk #'     _ Rekstrarflag_ Ԁ_ VerWbrfasj;Ws_ Ԁ_ BnaWarbankans_ Ԁhf.  Reykjavk #(     _ Rekstrarflag_ Ԁ_ 0SB_ Ԁhf.  Reykjavk $ )     _ SPH_ Ԁ_ Rekstrarflag_ Ԁ_ ehf_ .  Reykjavk v%N!*      _ KAUPHALLIR_ ԀOGAVRIR_ TILBOVSMARKAVIR_    '",     Kauphll0slandshf.  Reykjavk '#- Ї     _ VERVBRFAMIVSTVVAR_ Ԁ  (     _ VerWbrfaskrning_ Ԁ0slandshf.  Reykjavk       L0FEYRISSJ:VIR  HfuWstWvar  a     Almennilfeyrissj;Wurinn  Reykjavk T,     _ Eftirlaunasj;Wur_ Ԁ_ F.0.A._   Reykjavk      _ Eftirlaunasj;Wur_ Ԁ_ Reykjanesbjar_   Keflavk      _ Eftirlaunasj;Wur_ ԀSlturflagsSuWurlands  Reykjavk       _ Eftirlaunasj;Wur_ Ԁ_ slkkviliWsmanna_   X        v Keflavkurflugvelli  Keflavk K #      _ Eftirlaunasj;Wur_ Ԁstarfsmanna           v _ HafnarfjarWarkaupstaWar_   HafnarfjrWur        _ Eftirlaunasj;Wur_ Ԁstarfsmanna_ 0slandsbanka_ Ԁhf.  Reykjavk       _ Eftirlaunasj;Wur_ Ԁstarfsmanna_ Oluverzlunar_ Ԁ0slands  Reykjavk wO      _ Eftirlaunasj;Wur_ ԀstarfsmannaBtvegsbanka0slands  Reykjavk B      Frjlsilfeyrissj;Wurinn  Reykjavk        0slenskilfeyrissj;Wurinn  Reykjavk       Lfeyrissj;Wur_ AkraneskaupstaWar_   Akranes {      Lfeyrissj;WurAusturlands  NeskaupstaWur nF     Lfeyrissj;Wurbankamanna  Reykjavk 9     Lfeyrissj;WurBolungarvkur  Bolungarvk      Lfeyrissj;Wurbnda  Reykjavk      Lfeyrissj;WurHf._ Eimskipaflags_ Ԁ0slands  Reykjavk r     Lfeyrissj;Wur_ Flugvirkjaflags_ Ԁ0slands  Reykjavk e=     Lfeyrissj;WurhjkrunarfrWinga  Reykjavk 0     Lfeyrissj;Wurlkna  Reykjavk      Lfeyrissj;Wur_ Mj;lkursamslunnar_   Reykjavk      Lfeyrissj;WurNeskaupstaWar  Reykjavk i     Lfeyrissj;WurNorWurlands  Akureyri \4     Lfeyrissj;WurRanginga  Hella '     Lfeyrissj;Wursj;manna  Reykjavk      Lfeyrissj;Wurstarfsmanna_ Akureyrarbjar_   Akureyri      Lfeyrissj;Wurstarfsmanna `         v burWarverksmiWjurkisins  Reykjavk S+!     Lfeyrissj;WurstarfsmannaBnaWarbanka0slandshf.  Reykjavk "     Lfeyrissj;Wurstarfsmanna_ HsavkurkaupstaWar_   Reykjavk #     Lfeyrissj;Wurstarfsmanna_ K;pavogsbjar_   K;pavogur  $     Lfeyrissj;Wurstarfsmanna_ Reykjavkurap;teks_   Reykjavk !W%     Lfeyrissj;WurstarfsmannaReykjavkurborgar  Reykjavk J""&     Lfeyrissj;Wurstarfsmannarkisins  Reykjavk #'     Lfeyrissj;Wurstarfsmannasveitarflaga  Reykjavk #(     Lfeyrissj;Wurstarfsmanna_ Vestmannaeyjabjar_   Vestmannaeyjar $ )     Lfeyrissj;WurSuWurlands  Selfoss v%N!*     Lfeyrissj;WurSuWurnesja  Keflavk A&"+     Lfeyrissj;WurTannlknaflags0slands  Reykjavk  '",     Lfeyrissj;Wur_ verkfrWinga_   Reykjavk '#-     Lfeyrissj;Wurverslunarmanna  Reykjavk (     Lfeyrissj;WurVestfirWinga  0safjrWur      Lfeyrissj;WurVestmannaeyja  Vestmannaeyjar      Lfeyrissj;WurVesturlands  Akranes a     Lfeyrissj;Wurinn_ FramsUn_   Reykjavk T,     Lfeyrissj;Wurinn_ LfiWn_   Reykjavk      Lfeyrissj;WurinnSkjldur  Reykjavk      SameinaWilfeyrissj;Wurinn  Reykjavk       _ Samvinnulfeyrissj;Wurinn_   Reykjavk  X     _ Sreignalfeyrissj;Wurinn_   Reykjavk K #      Sfnunarsj;Wurlfeyrisrttinda  Reykjavk        _ Tryggingasj;Wur_ Ԁlkna  Reykjavk            _ VTRYGGINGAFLG_ Ԁ  HfuWstWvar  wO      AlYj;Wa_ lftryggingarflagiW_ Ԁhf.  Reykjavk B      0slensk_ endurtrygging_ Ԁhf.  Reykjavk        _ 0slandstrygging_ Ԁhf.  Reykjavk       _ LftryggingamiWstWin_ Ԁhf.  _ Reykjvak_  {      _ Lftryggingaflag_ Ԁ0slandshf.  Reykjavk nF     SameinaWa_ lftryggingarflagiW_ Ԁhf.  Reykjavk 9     _ Sj;v_ -Almennartryggingarhf.  Reykjavk      Trygginghf.  Reykjavk      _ TryggingamiWstWin_ Ԁhf.  Reykjavk r     _ Vtryggingaflag_ Ԁ0slandshf.  Reykjavk e=     _ VlbtabyrgWarflagiW_ ԀGr;tta  Reykjavk 0     _ VlbtabyrgWarflag_ Ԁ0sfirWinga  0safjrWur      _ ViWlagatrygging_ Ԁ0slands  Reykjavk      VrWur_ vtryggingaflag_   Akureyri i      _ VTRYGGINGAMIVLANIR_   '     _ Aon_ Ԁ_ Limited_   London      _ AlYj;Wafjrfestinga_ -og_ vtryggingamiWlunin_ Ԁ_ ehf_ .  K;pavogur      AlYj;WlegmiWlun_ ehf_ . `         v (skilaWistarfsleyfi22.gst2003)  Reykjavk S+!     rniReynisson_ ehf_ .  Reykjavk "     _ Besso_ Ԁ_ Limited_   London #     _ DDF_ Ԁ_ VtryggingamiWlunin_ Ԁ_ ehf_ .  Reykjavk  $     _ FjrfestingamiWlun_ Ԁ0slands_ ehf_ .  K;pavogur !W%     _ Heath_ Ԁ_ Lambert_ Ԁ_ Norway_ ԀAS  Osl; J""&     _ Howden_ Ԁ_ Insurance_ Ԁ_ Brokers_ Ԁ_ Ltd_ .  London #'     _ Marsh_ Ԁ_ Ltd_ .  London #(     NUja_ vtryggingaYj;nustan_ Ԁhf.  Reykjavk $ )     _ Provins_ Ԁ_ Insurance_ ԀAB  SvYj;W v%N!*     _ TryggingamiWlun_ Ԁ_ Reykjvkur_ Ԁ_ ehf_ .  Reykjavk A&"+     _ Tryggingastofan_ Ԁ_ ehf_ .  '",   0     v (skilaWistarfsleyfi18.gst2003)  Reykjavk'#-     TryggmiWlun_ ehf_ .  Reykjavk (     _ TryggingamiWlun_ Ԁ0slands_ ehf_ .  Reykjavk      TryggingarogrWgjf_ ehf_ .  Reykjavk      _ TryggingaYj;nustan_ Ԁ_ ehf_   Reykjavk a     _ UIB_ Ԁ_ Nordic_ ԀAB T,        v (skrW_ vtryggingamiWlaraskr_ Ԁ27.gst2003)  SvYj;W      _ Willis_ ԀAB  Stokkh;lmi       AVRIR_ EFTIRLITSSKYLDIR_ ԀAVILAR   X     _ 0bWalnasj;Wur_ Ԁ!_ hsbrfadeild_   Reykjavk K #      _ NUskpunarsj;Wur_ Ԁatvinnulfsins  Reykjavk        _ P;stgr;_ Ԁ!_ 0slandsp;stur_ Ԁhf.  Reykjavk        Tryggingarsj;Wur_ innstWueigenda_ Ԁogfjrfesta  Reykjavk       _ Tryggingasj;Wur_ Ԁsparisj;Wa  Reykjavk wO   4.4.0  _ VtryggingamiWlarar_ Ԁsemfallaundir_ starfsbyrgWartryggingu_ Ԁ_ vtryggingamiWlana_ .        rniReynisson,rniReynisson_ ehf_ .         EirkurHansSigurWsson,NUja_ vtryggingaYj;nustan_ Ԁhf. {      Halld;rSigurWsson,AlYj;WlegmiWlun_ ehf_ . nF     HkonHkonarson,TryggingogrWgjf_ ehf_ . 9     KarlJ;nsson,_ TryggingamiWlun_ Ԁ0slands_ ehf_ .      _ Leo_ Ԁrnason(skilaWistarfsleyfisnu19.gst2003),_ Tryggingastofan_ Ԁ_ ehf_ .      :laf_ Forberg_ ,_ AlYj;Wafjrfestinga_ -og_ vtryggingamiWlunin_ Ԁ_ ehf_ . r     :marEinarsson,NUja_ vtryggingaYj;nustan_ Ԁhf. e=     SigurWurRnar_ stvaldsson_ ,TryggmiWlun_ ehf_ . 0     _ SigY;r_ ԀHkonarson,_ DDF_ Ԁ_ VtryggingamiWlunin_ Ԁ_ ehf_ .      XorlkurPtursson,_ FjrfestingamiWlun_ Ԁ0slands_ ehf_ .  B?vvb?vvbBӀ5.BREYTINGARLGUMOGREGLUM \4  5.1.Almennt.  ' Endurskipulagning_ fjrmlalggjafar_ Ԁ0slandi.    rinu2002laukviWamikilliendurskipulagningu_ fjrmlalggjafar_ Ԁ0slandi.Xann1.  janar2003t;kugildilgnr.161/2002,um_ fjrmlafyrirtki_ .FrumvarptilYeirralagahafWi `  veriWundirbningisvokallaWri_ bankalaganefnd_ .MeWlgunumfllurgildilgum S+! _ viWskiptabanka_ Ԁogsparisj;Wi,lgumlnastofnaniraWrarenviWskiptabankaogsparisj;Wi,lg " um_ rafeyrisfyrirtki_ ԀoghlutilagaumverWbrfaviWskipti.MeW_ fjrmlafyrirtkjum_ ԀerttviW # viWskiptabanka,sparisj;Wi,_ lnafyrirtki_ ,verWbrfafyrirtki,_ verWbrfamiWlanir_ ,  $ _ rafeyrisfyrirtki_ Ԁog_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ .Einniggengugildi1.jlsl.lgnr. !W% 33/2003,um_ verWbrfaviWskipti_ Ԁoglgnr.30/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ . J""& _ FjrmlaeftirlitiW_ ԀhefurunniWaWendurskoWunoguppfrslureglnasemYvberaWsetja #' samkvmtnUrri_ lggjf_ Ԁ_ fjrmlamarkaWi_ .GefnarhafaveriWtreglurogreglugerWirmeW #( stoWnUju_ lgunum_ ԀogerYeirragetiWviWeigandi_ undirkflum_ Ԁhreftir.Reglurog $ ) reglugerWirmeWstoWeldrilgumsemgerterrWfyrirnUjulgunumhaldagildiYartil v%N!* endurskoWunerlokiW. A&"+    '", &   Lgnr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi. ( Breytingar:   rikmo    (jxx pikmo    "i0J"  i0J 2j!3  Ԉ0    Lgnr.50/2003:MeWlgunumerkveWiWumaW_ FjrmlaeftirlitiW_ Ԁskuligefat  _ tilkynningar_ Ԁumeinstaklingaog_ lgaWila_ Ԁsem_ eftirlitsskyldum_ ԀaWilumbersrstaklegaaW a kannahvortstofnaWhafiveriWtilviWskiptaviW._ Fjrmlafyrirtkjum_ ԀerskyltaWkoma T, vegfyrirhverskonar_ fjrmagnsflutninga_ ,svosemafhendingufjrmuna,_ ttektir_ ,  _ millifrslur,_ Ԁ_ eignarskrningu_ ԀsemognnurviWskipti,oghindraYannigaWYeiraWilar  sem_ tilgreindir_ ԀerufigreiWslurhendureWagetinUttsrfjrmunimeWWrumhtti.i0J݌  Ќ  '(Lgnr.99/1999,umgreiWslukostnaWarviWopinberteftirlitmeWfjrmlastarfsemi. K #  Breytingar:    "i0J"  i0J 2j!3  Ԉ0    Lgnr.157/2002:MeWlgunumerhundraWshluta_ eftirlitsgjalds_ ,semkveWiWerum    5.gr.laganr.99/1999,breytttilsamrmisviWtlaWanrekstrarkostnaW   _ Fjrmlaeftirlitsins,_ Ԁsbr.2.gr.laganr.99/1999.i0JK݌wO  Ќ  _ Samstarfssamningur_ Ԁmilli_ Fjrmlaeftirlitsins_ ԀogSeWlabanka0slands.      Fyrri_ samstarfssamningur_ ԀSeWlabanka0slandsog_ Fjrmlaeftirlitsins_ ԀvarendurskoWaWur.   0samningnumernkveWiWmeWskUrarihttiumsamstarfYessaraaWilaummat {  _ hugsanlegri_ Ԁ_ kerfishttu_ Ԁ_ fjrmlamarkaWi_ ԀogviWbrgWviWslkumaWstWum.Xvar nF staWfestursrstakursamningurmilli_ Fjrmlaeftirlitsins_ ԀogSeWlabanka0slandsvegna 9 greiWslu-og_ uppgjrskerfa_ ԀYarsemkveWiWerumhlutverkYeirraumsj;nogeftirlitiYv  sviWi.   5.2._ LnamarkaWur_ .  e= Lgnr.98/1999,um_ innistWutryggingar_ Ԁog_ tryggingakerfi_ Ԁfyrirfjrfesta. 0 Breytingar:  "i0J"  i0Ji 2j!3  Ԉ0    Lgnr.139/2002:MeWlgunumerkveWiWumbreytingar8.gr.lagannaYarsemfram  kemuraWskuldbindingarsemstofnaWstilWurenleyfisafturkallaWeWatib i _ tilokaW_ Ԁfrsj;Wnumskulinj;ta_ tryggingaverndar_ ԀsamrmiviWIII.kaflalaganna.i0Ji݌\4 Ќ  Lgnr.161/2002,um_ fjrmlafyrirtki_ .    MeWlgumnr.161/2002,um_ fjrmlafyrirtki_ ,vorusameinuWein_ heildarlg_ Ԁum  _ fjrmlafyrirtki_ Ԁlgnr.113/1996,umviWskiptabankaogsparisj;Wi,lgnr.123/1993,um `  _ lnastofnanir_ ԀaWrarenviWskiptabankaogsparisj;Wi,lgnr.37/2002,um_ rafeyrisfyrirtki_ , S+! ogkvWiumstofnunogstarfsemi_ verWbrfafyrirtkja_ Ԁog_ verWbrfamiWlana_ Ԁlgumnr.13/ " 1996,umverWbrfaviWskipti.GerWarvoruUmsarbreytingarmeWlgunumtilaWtakamiWaf # nUjumaWstWum,greinumbttviWvegnanUrrakrafnaogkvWisemekkieigalengurviW  $ felldbrott.SemdmiumnUkvWimnefnaaW_ FjrmlaeftirlitiW_ Ԁveitirog_ afturkallar_  !W% starfsleyfistaWviWskiptarWherra.Xvar_ Fjrmlaeftirlitinu_ ԀveittheimildtilaWkvarWa J""& hrraeiginfjrhlutfallen8%fyrirYau_ fjrmlafyrirtki_ Ԁsemtalineruhafa;fullngjandi #' fjrhagsstWumeWhliWsj;naf_ httustigi_ .XvarskilgreintmeWnnarihttiengertvar #( fyrrilggjfhvaWabroteru_ refsinm_ Ԁogsrstakir_ brotaflokkar_ Ԁtilgreindir. $ ) ReglugerWnr.120/2000,um_ innistWutryggingar_ Ԁog_ tryggingakerfi_ Ԁfyrirfjrfesta. A&"+ Breytingar:  '", "i0J"  i0J 2j!3  Ԉ0    ReglugerWnr.864/2002:MeWreglugerWinnierugerWarbreytingarYremurkvWum '#- reglugerWarnr.120/2000.i0J݌( Ќ  Reglurumeiginfjrhlutfall_ fjrmlafyrirtkja_ ,nr.530/2003.    Reglurnarnntil_ fjrmlafyrirtkja_ ԀstaWWur_ lnastofnana_ ,_ verWbrfafyrirtkja_ Ԁog  _ verWbrfamiWlana._ Ԁ_ Rafeyrisfyrirtki_ ԀeruY;undanskilinYarsemumYaugildasrstakar a _ eiginfjrreglur_ Ԁskv.80.gr.laganr.161/2002.StegundfyrirtkjasemkemurnUundir T, reglurnarer_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ .  Reglurumst;rar_ httuskuldbindingar_ Ԁhj_ fjrmlafyrirtkjum_ ,nr.531/2003.     Reglurnar(WurreglugerWtgefinaf_ viWskiptarWuneytinu_ )nntil_ fjrmlafyrirtkja_   X staW_ lnastofnana_ Ԁogfyrirtkja_ verWbrfaYj;nustu_ ԀWur.Xrtegundirfyrirtkjasemkoma K #  nUjarundirreglurnareru_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁog_ rafeyrisfyrirtki_ .    ReglurumendurskoWun_ fjrmlafyrirtkja_ ,nr.532/2003.     Reglurnarnntil_ fjrmlafyrirtkja_ ԀstaW_ lnastofnana_ ԀWur,_ Y.e._ ԀverWbrfafyrirtki, wO  _ verWbrfamiWlanir_ ,_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁog_ rafeyrisfyrirtki_ ԀkomanUinnsem B  _ fyrirtki_ Ԁsemreglurnarntil.    Reglurum_ viWb;tareiginfjrliW_ Ԁfyrir_ fjrmlafyrirtki_ ,nr.540/2003. {    Reglurnarnntil_ fjrmlafyrirtkja_ ԀenWurnWuYrtil_ lnastofnana_ , nF _ verWbrfafyrirtkja_ Ԁog_ verWbrfamiWlana_ .Xrtegundir_ fjrmlafyrirtkja_ ԀsemkomanUjar 9 undirreglurnareru_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁog_ rafeyrisfyrirtki_ .   5.3.VerWbrfamarkaWur.  r Lgnr.98/1999,um_ innistWutryggingar_ Ԁog_ tryggingakerfi_ Ԁfyrirfjrfesta. e= Breytingar: 0 "i0J"  i0J  2j!3  Ԉ0    Lgnr.139/2002:MeWlgunumerkveWiWumbreytingar8.gr.lagannaYarsemfram  kemuraWskuldbindingarsemstofnaWstilWurenleyfisafturkallaWeWatib  _ tilokaW_ Ԁfrsj;Wnumskulinj;ta_ tryggingaverndar_ ԀsamrmiviWIII.kaflalaganna.i0J M݌i Ќ  Lgnr.161/2002,um_ fjrmlafyrirtki_ . '   MeWlgumnr.161/2002,um_ fjrmlafyrirtki_ ,vorusameinuWein_ heildarlg_ Ԁum  _ fjrmlafyrirtki_ Ԁlgnr.113/1996,umviWskiptabankaogsparisj;Wi,lgnr.123/1993,um  _ lnastofnanir_ ԀaWrarenviWskiptabankaogsparisj;Wi,lgnr.37/2002,um_ rafeyrisfyrirtki_ , `  ogkvWiumstofnunogstarfsemi_ verWbrfafyrirtkja_ Ԁog_ verWbrfamiWlana_ Ԁlgumnr.13/ S+! 1996,umverWbrfaviWskipti. " Lgnr.30/2003,um_ verWbrfasj;Wi_ Ԁog_ fjrfestingarsj;Wi_ .  $   MeWlgunumer_ m.a._ Ԁ_ innleidd_ Ԁbreytingtilskipunumsameiginlegafjrfestingusamt !W% YvaWskapahagstWaraumhverfitilreksturssj;Waumsameiginlegafjrfestinguhrlandi J""& ogstuWlaaW_ skilvirkari_ Ԁ_ neytendavernd_ . #' Lgnr.33/2003,umverWbrfaviWskipti. $ )   MeWlgunumerkominheildarlggjfsemhefuraWgeyma_ hegWunarreglur_ Ԁ v%N!* _ verWbrfamarkaWi_ ԀogkvWiumrttindiogskyldur_ fjrmlafyrirtkja_ Ԁsemheimildhafatil A&"+ _ verWbrfaviWskipta._ ԀkvWilagannabyggjastYeimgrunnisemlagWurvarmeWgildandi  '", lgumumverWbrfaviWskipti,nr.13/1996,oglgumumstarfsemi_ kauphalla_ Ԁogskipulegra '#- _ tilboWsmarkaWa,_ Ԁnr.34/1998. ( ReglugerWnr.120/2000,um_ innistWutryggingar_ Ԁog_ tryggingakerfi_ Ԁfyrirfjrfesta.  Breytingar: a "i0J"  i0J 2j!3  Ԉ0    ReglugerWnr.864/2002:MeWreglugerWinnierugerWarbreytingarYremurkvWum T, reglugerWarnr.120/2000.i0JK݌ Ќ  ReglugerWnr.630/2003,umverWbrfaviWskipti.     ReglugerWYessitekurtilhverjirgetatalist_ fagfjrfestar_ Ԁskv.c-liW7._ tlul_ .2.gr.laganr.  X 33/2003,umverWbrfaviWskiptiogframkvmdalmennra_ tboWa_ ԀverWbrfa.MeWhennifllu K #  rgildireglugerWum_ yfirtkutilboW_ Ԁnr.432/1999ogreglugerWumtboWverWbrfanr.    477/2001.    ReglugerWnr.633/2003,umpr;f_ verWbrfaviWskiptum_ . wO    ReglugerWinfjallarumframkvmdpr;fi_ verWbrfaviWskiptum_ Ԁskv.53.gr.laganr. B  161/2002,um_ fjrmlafyrirtki_ .Pr;fYettanefnist_ verWbrfaviWskiptapr;f_ .Starfsmenn    _ fjrmlafyrirtkis,_ Ԁsemhafaumsj;nmeWdaglegristarfsemitengslumviWviWskiptimeW   _ fjrmlagerninga_ Ԁskv.6._ tlul_ .1.mgr.3.gr.lagaum_ fjrmlafyrirtki_ ,skuluhafastaWistpr;f {  _ verWbrfaviWskiptum_ .MeWhennifllrgildireglugerWnr.506/2000,umpr;f nF _ verWbrfamiWlun._  9 Reglurnr.331/2003,um_ vsitlusj;Wi_ .    Reglurnargildaum_ vsitlusj;Wi_ Ԁerstarfagrundvellilaganr.10/1993,um r _ verWbrfasj;Wi._ ԀXarer_ m.a._ ԀkveWiWumaW_ verWbrfasj;Wi_ ,eWaeinstkumdeildumhans,skv. e= 2.mgr.27.gr.laganr.10/1993,sheimiltaWfjrfestaalltaW35%afeignumsnum 0 verWbrfumtgefnumafsamatgefanda,endas,samYykktumog_ fjrfestingarstefnu_   sj;Wsins,eWaviWkomandideildhans,kveWiWumaW_ eignasamsetning_ Ԁhansskuliendurspegla  kveWna_ verWbrfavsitlu._  i Reglurumeiginfjrhlutfall_ fjrmlafyrirtkja_ ,nr.530/2003. '   Reglurnarnntil_ fjrmlafyrirtkja_ ԀstaWWur_ lnastofnana_ ,_ verWbrfafyrirtkja_ Ԁog  _ verWbrfamiWlana_ ._ Rafeyrisfyrirtki_ ԀeruY;undanskilinYarsemumYaugildasrstakar  _ eiginfjrreglur_ Ԁskv.80.gr.laganr.161/2002.XrtegundirfyrirtkjasemkomanUjarundir `  _ reglurnar_ Ԁeru_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ . S+! Reglurumst;rar_ httuskuldbindingar_ Ԁhj_ fjrmlafyrirtkjum_ ,nr.531/2003. #   Reglurnar(WurreglugerWtgefinaf_ viWskiptarWuneytinu_ )nntil_ fjrmlafyrirtkja_   $ staWWurtil_ lnastofnana_ Ԁogfyrirtkja_ verWbrfaYj;nustu_ .Xrtegundirfyrirtkjasem !W% komanUjarundirreglurnareru_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁog_ rafeyrisfyrirtki_ . J""& ReglurumendurskoWun_ fjrmlafyrirtkja_ ,nr.532/2003. #(   Reglurnarnntil_ fjrmlafyrirtkja_ ԀstaW_ lnastofnana_ ԀWur,_ Y.e._ ԀverWbrfafyrirtki, $ ) _ verWbrfamiWlanir,_ Ԁ_ rekstrarflg_ Ԁ_ verWbrfasj;Wa_ Ԁog_ rafeyrisfyrirtki_ ԀkomanUinnsem v%N!* _ fyrirtki_ Ԁsemreglurnarntil. A&"+ Reglurum_ viWb;tareiginfjrliW_ Ԁfyrir_ fjrmlafyrirtki_ ,nr.540/2003. '#-   Reglurnarnntil_ fjrmlafyrirtkja_ ԀenWurnWuYrtil_ lnastofnana_ , ( _ verWbrfafyrirtkja_ Ԁog_ verWbrfamiWlana_ .   &  5.4._ LfeyrismarkaWur_ .  a Lgnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa. T, Breytingar:  "i0J"  i0J 2j!3  Ԉ0    Lgnr.73/2003:MeWYeimvorugerWarbreytingarinnlendrilggjfsemnauWsynlegar  eruvegna_ Vaduz_ -samningsins.i0J݌  Ќ  '  0     v LtaYraWkvWumlagaervarWa_ vruviWskipti_ ,_ Yj;nustuviWskipti_ ,fjrfestingar  X ogrtttil_ stofnsetningar_ .K #  ReglugerWnr.391/1998,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa.    Breytingar:   "i0J"  i0JI 2j!3  Ԉ0    ReglugerWnr.293/2003:MeWreglugerWinnierugerWarbreytingarYremurkvWum wO  reglugerWarnr.391/1998.i0JIv݌B  Ќ  Reglurnr.765/2002,umbreytingureglumnr.55/2000,umrsreikningalfeyrissj;Wa.     _ FjrmlaeftirlitiW_ ԀhefurgefiWtreglurnr.765/2002,umbreytingureglumnr.55/2000, {  umrsreikningalfeyrissj;Wa.BreytingarnarfelasrafnmYeirrakvWasemkveWaum nF _ verWb;lgureikningsskil_ .EnnfremurergerWbreytingviWaukaIIImeW_ rsreikningareglunum_  9 semfelursrsrstakaregluviWtreikninghreinniraunvxtunhjYeimlfeyrissj;Wum  semreiknadaglegtgengieigna,sbr.ennfremur10.gr.reglnanr.765/2002.   5.5._ VtryggingamarkaWur_ .  e= Lgnr.60/1994,um_ vtryggingastarfsemi_ . 0 Breytingar:  "i0J"  i0J 2j!3  Ԉ0    Lgnr.29/2003,umbreytingulgumum_ vtryggingastarfsemi_ .MeWlgunumvar  gerWbreytinglgumum_ vtryggingastarfsemi_ Ԁvegna_ lgleiWingar_ Ԁsvonefndrar4. i _ tilskipunar_ Ԁum_ kutkjatryggingar_ ,_ Y.e._ Ԁ2000/26/ESB,YarmeWalvarWandimeWferW \4 _ b;takrafna_ Ԁvegna_ tj;na_ Ԁerlendis,_ tj;nsuppgjrsfulltra_ ,_ tj;nsuppgjrsmiWstW_ Ԁog ' _ upplUsingamiWstW._ Ԁ0tengslumviWYettavareinniggerWbreyting_ umferWarlgum_ ,nr.  87/1950,meWlgumnr.26/2003.0framhaldiYessavarsettnUreglugerWum_ lgmltar_   _ kutkjatryggingar,_ Ԁnr.392/2003.i0J݌`  Ќ  "i0J "  i0J  2j!3  Ԉ0    Lgnr.34/2003,umbreytingulgunumum_ vtryggingastarfsemi_ ._ Lagabreytingin_ Ԁer S+! vegna_ lgleiWingar_ Ԁ_ tilskipunar_ Ԁ_ Evr;pusambandsins_ Ԁumendurskipulagninguogslit " _ vtryggingaflaga_ Ԁnr.2001/17/ESB.Megintilgangur_ tilskipunarinnar_ ԀeraWtryggja # _ gagnkvma_ ԀviWurkenninguaWgerWum_ aWildarrkja_ ԀEvr;pska_ efnahagssvWisins_ Ԁog  $ _ samvinnu_ ԀvarWandiendurskipulagningu_ fjrhags_ Ԁ_ vtryggingaflaga_ Ԁog_ slita_ ԀYeirraog !W% kveWna_ lgmarksamrmingu_ Ԁ_ landsreglna_ ԀYvsambandi.i0J A ݌J""& Ќ  "i0J "  i0J1 2j!3  Ԉ0    Lgnr.37/2003,umbreytingulgumum_ vtryggingastarfsemi_ ,tengslumviW #' _ lgleiWingu_ Ԁ_ tilskipunar_ Ԁum_ lgmarksgjaldYol_ Ԁ_ vtryggingaflaga_ Ԁnr.2002/12/ESBognr. #( 2002/13/ESB._ LgmarksfjrhWir_ ԀeruhkkaWar.i0J1^݌$ ) Ќ  ReglugerWnr.459/2003,umtreikning_ gjaldYols_ Ԁ_ vtryggingaflaga_ . A&"+ ReglugerWnr.632/2003,umeignirsemteljamtil_ gjaldYols_ Ԁ_ vtryggingaflaga_ Ԁog  '", _ treiknings_ Ԁ_ lgmarksgjaldYols_ . '#- ReglugerWnr.699/2003,umbreytingureglugerWnr.646/1995,umjfnuneignam;ti ( _ vtryggingaskuld_ .   5.6.LeiWbeinanditilmli_ Fjrmlaeftirlitsins_ .  T,   _ FjrmlaeftirlitiW_ ԀhefurgefiWtalmennleiWbeinanditilmlinokkrumsviWum  _ fjrmlamarkaWar._ ԀLeiWbeinanditilmlierusettgrundvelli_ lagaheimildar_ Ԁ2.mgr.8.gr.  laganr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi.SamkvmtkvWinuer   _ Fjrmlaeftirlitinu_ ԀheimiltaWgefatogbirtaopinberlegaalmennleiWbeinanditilmlium  X starfsemi_ eftirlitsskyldra_ ԀaWila,endavarWimlefniWh;p_ eftirlitsskyldra_ ԀaWila. K #  LeiWbeinanditilmlinr.2/2001,umefnireglnatgefendaverWbrfaummeWferW    _ innherjaupplUsinga_ ԀogviWskipti_ innherja_ ,meWbreytingum.     LeiWbeinanditilmlinr.2/2001voru_ endurtgefin_ ԀmeW_ orWnum_ Ԁbreytingumvegnalaga wO  nr.39/2002ogvegnanUrralagaumverWbrfaviWskiptinr.33/2003semt;kugildi1.jlsl. B  BreytingarYrsemgerWarhafaveriWtilmlunumtakatilYeirraatriWasemtekiWhafa    _ breytingum_ Ԁlgum,svosemorWalagikvWisum_ innherjasvik_ ,kvWisumgildissviW   reglnaog_ hugtakaskilgreininga_ .AukYesserugerWarbreytingarorWalagierlUturaWheimild {  _ regluvarWar_ ԀtilaWhafnaviWskiptum_ innherja_ ,enYaWorWalaghefursttnokkurrigagnrUni. nF LeiWbeinanditilmlinr.7/2002,umstarfshtti_ vtryggingamiWlara_ .    _ FjrmlaeftirlitiW_ ԀhefursamskiptumsnumviWneytendurog_ vtryggingamiWlara_ ԀorWiW  vartviWaWreglurskortiumUmisatriWitengslumviWmiWlun_ vtrygginga_ .TilmlineruYv r aWmikluleytiunnintilefniafYeimerindumogathugasemdumsem_ Fjrmlaeftirlitinu_ Ԁhafa e= boristvegnaeftirlitsmeW_ vtryggingamiWlurum_ . 0 LeiWbeinanditilmlinr.1/2003,umefnireglnaskv.2.mgr.54.gr.laganr.161/2002,um  _ fjrmlafyrirtki_ . i   02.mgr.54.gr.laganr.161/2002kemurframaWstj;rn_ fjrmlafyrirtkja_ Ԁskulisetjasr \4 _ starfsreglur_ ԀYarsemnnarerkveWiWumframkvmdstarfastj;rnarinnar.0leiWbeinandi ' tilmlumYessumerfjallaWumtiltekinatriWisemtilsrstakrarumrWuhafaveriW  _ samskiptum_ Ԁ_ eftirlitsins_ ԀviW_ fjrmlafyrirtki_ .   _ Fylgiskjal_ Ԁ_ IV_ . # V . 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