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EfniWurstaWaskUrslunnargefurtilefnitilaWbreytahundraWshlutaeftirlitsgjaldsskal i viWskiptarWherraleggjafrumvarpYaraWltandifyrirAlYingi.  \4   SkUrslaFjrmlaeftirlitsinsskv.1.mgr.2.gr.lagannaerbirtsemfylgiskjalmeWfrum ' varpinusamtlitisamrWsnefndareftirlitsskyldraaWila.NiWurstaWaskUrslunnargefurtilefni  tilaWbreytahundraWshlutaeftirlitsgjalds.0framhaldiafathugunrWuneytisinsrekstrartl  unFjrmlaeftirlitsinserlagtframYettafrumvarpumbreytingulagningarhlutfllum5. `  gr.laganna. S+!   MeWfrumvarpinuerulagningarhlutflllkkuWenlgmarksgjlderu;breyttaWYv " undanskilduaWlagtertilaWlgmarksgjaldvegnavtryggingamiWlarahkkir150Ys.kr. # 200Ys.kr.tlaWeraWlagteftirlitsgjaldhkkir289,5millj.kr.riW2004298millj.  $ kr.riW2005,eWaumtp3%.tlaWurrekstrarkostnaWurFjrmlaeftirlitsinsYessuri !W% nemur288,7millj.kr.en309,5millj.kr.Yvnstasemerum7%hkkun. J""&   $ )  FylgiskjalI. ( mAum) dE>$ A^m      SkUrslatilviWskiptarWherra a umtlaWanrekstrarkostnaWFjrmlaeftirlitsinsriW2005 T, skv.2.gr.laganr.99/1999,umgreiWslukostnaWar  viWopinberteftirlitmeWfjrmlastarfsemi.  J3  0samrmiviW1.mgr.2.gr.laganr.99/1999,umgreiWslukostnaWarviWopinberteftirlit   meWfjrmlastarfsemi,erviWskiptarWherrahrmeWsendrekstrartlunfyrirFjrmlaeftir  X litiWvegnarsins2005.SamkvmttilvitnuWukvWiskalFjrmlaeftirlitiWeigisWaren15. K #  septemberrhvertgefaviWskiptarWherraskUrsluumtlaWanrekstrarkostnaWnstars.0    skUrslunniskaljafnframtlagtmatYr;unstarfseminnarundangenginYrjrmeWtillititil    YesstmasemtlamaWfariWhafieftirlitmeWhverjumflokkieftirlitsskyldraaWila.     FjrmlaeftirlitiWhefur,samrmiviW2.mgr.2.gr.laganr.99/1999,leitaWlitssamrWs wO  nefndareftirlitsskyldraaWilatluWurekstrarumfangistofnunarinnarrinu2005.tti B  FjrmlaeftirlitiWfundmeWnefndinnihinn17.gstsl.YarsemkynntvorudrgaWrekstrar    tlunfyrirstofnuninasamtskUringumogdrgaWskiptingueftirlitsgjaldsinsviWlagningu   rinu2005.SamrWsnefndinskilaWiskriflegumbendingumtilFjrmlaeftirlitsinsum {  drginaWrekstrartluninnihinn25.gstsl.Stj;rnFjrmlaeftirlitsinsfjallaWisWanum nF bendingarnefndarinnarstj;rnarfundihinn31.gstsl.ogkjlfariWvarsamrWsnefndinni 9 gefiWtkifriaWkomaendanlegulitisnuframfri.FylgirYaWhjlagt.    0skUrsluYessarieraWfinnastuttagreinargerWumreksturFjrmlaeftirlitsinsrinu2003  ogrekstrartlunvegnarsins2004.XerskUrslunnigerWgreinfyrirforsendumrekstrar r tlunarstofnunarinnarfyrirriW2005ogtillgumumlagningueftirlitsgjaldsfyrirriW e= 2005. 0   SkUrslunnifylgjatvrtflurYarsemgerWergreinfyrirtluWurekstrarumfanginsta  rsogrekstriFjrmlaeftirlitsinsyfirstandandiri(tafla1)ogtlaWrilagningueftirlits  gjaldsmiWaWviWtlaWrekstrarumfang(tafla2).rsreikningurFjrmlaeftirlitsinsfyrirriW i 2003ereinnigmeWfylgjandi. \4   SrstkgreinargerWfylgirskUrslunni,?ReksturogstarfsumhverfiFjrmlaeftirlitsins ' nstuYrjr ,enslkgreinargerWhefurveriWfylgiskjalmeWrekstrartlunFjrmlaeftirlits  insundanfarintvrsamkvmttilmlumefnahags-ogviWskiptanefndarAlYingisfrYv  rinu2001. `   1.  ReksturFjrmlaeftirlitsinsrinu2003.  "   Tekjurafeftirlitsgjaldi,semeftirlitsskyldiraWilargreiWa,nmurinu2003um259,8 # millj.kr.Tmsartekjurnmuum5,0millj.kr.ogvaxtatekjurnmuum2,9millj.kr.Rekstrar  $ gjld,aWmeWtldumeignakaupum,nmuum261,7millj.kr.Tekjuafgangursamkvmt !W% rekstrarreikninginam6,1millj.kr.Eignirrslok2003nmusamtalsum7,4millj.kr.og J""& skuldirum2,7millj.kr. #'   HfuWst;llrsbyrjun2003namum!1,3millj.kr.TekiWvartillittilYessviWkvrWun #( eftirlitsgjaldssemsamYykktvarAlYingifyrirriW2003.TekjumoghfuWst;lvarrWstafaW $ ) tilrekstursrinuogvareigiWfrslok2003jkvttum4,7millj.kr.eWa1,8%afgjldum v%N!* samtals.Tilrsins2004flytjastYv4,7millj.kr.staW!3,8millj.kr.semgertvarrWfyrir A&"+  rekstrartluninnifyrirriW2004,sbr.2.tlul.hreftir.  '",   & ,  EkkivargertrWfyrirtekjuafgangirslokaWteknutillititilyfirfrslufrfyrrari ( tlunrsins2003.FrvikurWufrtlunlaunakostnaWisemnam2,2%aflaunumog  launatengdumgjldum.stWaYessafrviksereinkumtvYtt.AnnarsvegarvarWskrun  viW',(8EԀmannabreytingaroghinsvegarf;rutveirstarfsmennlaunalaustleyfirinu.Ennfrem a ururWufrvikfrtlunvegnatlvukostnaWarsemreyndistminnirslokengerthafWiveriW T, rWfyrir.    UmreksturFMErinu2003eraWWruleytivsaWtilrsreikningsogskUringameW  honum.    2.  Rekstrartlunvegnarsins2004.  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" AWrartekjur,vaxtatekjur.  $   FjrmlaeftirlitiWfrvextiafinnstWureikningiSeWlabanka0slands.Vaxtatekjurnareru !W% byggWartlaWrimeWalstWuinnstWumiWaWviWlagningusemmiWastviWdrgaWrekstr J""& artlun.EkkiertluninnigertrWfyrirWrumtekjumenvaxtatekjum. #'  4.  lagningeftirlitsgjaldsfyrirriW2004.  $ )   Samkvmt1.mgr.2.gr.laganr.99/1999skalFMEleggjamatYr;unstarfseminnar v%N!* undangenginYrjrmeWtillititilYesstmasemtlamaWfariWhafieftirlitmeWhverjum A&"+  flokkieftirlitsskyldraaWila.  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MeWlgunumerkominheildarlggjfsemhefuraWgeymahegWunarreglurverWbrfa r markaWiogkvWiumrttindiogskyldurfjrmlafyrirtkjasemheimildhafatilverWbrfa e= viWskipta.kvWilagannabyggjaYeimgrunnisemlagWurhefurveriWgildandilgumum 0 verWbrfaviWskipti,nr.13/1996,oglgumumstarfsemikauphallaogskipulegratilboWsmark  aWa,nr.34/1998.   5.4  Lfeyrissj;Wir  \4  Lgnr.129/1997,umskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wa '  Breytingar:    Lgnr.70/2004:meWYeimvorugerWarbreytingarlgumnr.129/1997.LtaYrm.a.  aWYvaWerlendumviWskiptabnkum,sparisj;Wum,verWbrfafyrirtkjumoglftrygginga `  flgum,semhafastaWfestuogstarfsleyfiWrurkiinnanEvr;pskaefnahagssvWisinseWa S+! aWildarrkisstofnsamningsFrverslunarsamtakaEvr;pu,verWiaWuppfylltumvissumskil " yrWum,heimiltaWveitaYj;nustuskv.II.kaflalaganna,Y.e.aWtakaviWiWgjaldimeWsamningi # umviWb;tartryggingarvernd.EnnfremurvorugerWarbreytingar36.gr.lagannavarWandi  $ fjrfestingarheimildirlfeyrissj;Wa. !W%  5.5  VtryggingamarkaWur  #' h /  F~    hxirF7!F~F7!!F7/!F7   Lgnr.30/2004,umvtryggingasamninga  #(   Lgnr.30/2004:LginkomatilframkvmdafrogmeW1.janar2006.Xaugildaum $ ) allanUjavtryggingarsamningasemgerWirerufrogmeWYeimdegi,allavtryggingarsamn v%N!* ingasemeruendurnUjaWireWaframlengdirfrogmeWYeimdegi,svoogallaaWravtrygg A&"+ ingarsamningasemerugildiYeimdegi.ViWgildistkulagannafallargildilgumv  '", tryggingarsamninganr.20/1954.LginmunuhafabreytingufrmeWsrlgumum '#- vtryggingastarfseminr.60/1994,YvnokkurkvWiYeirralagamunufrast;breyttlgin ( umvtryggingarsamninga.   5.6  LeiWbeinanditilmliFjrmlaeftirlitsins  a   FjrmlaeftirlitiWhefurgefiWtalmennleiWbeinanditilmlinokkrumsviWumfjr T, mlamarkaWar.LeiWbeinanditilmlierusettgrundvellilagaheimildar2.mgr.8.gr.laga  nr.87/1998,umopinberteftirlitmeWfjrmlastarfsemi.    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