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'",   &   ViWgerW_rekstrartlunar_ԀfyrirriW2004vargertrWfyriraWtekjuafgangurrinu2004 - yrWi3,8_m.kr_.tilaW'-ՌjafnattlaWa3,8_m.kr_.neikvWastWueiginfjrrsbyrjun.Tekju  afgangurreyndisthinsvegarverWa4,1_m.kr_.eWa0,3_m.kr_.hrrientlunin.Helstufrvik  _rekstrarliWa_Ԁfrtluninnivoru7,7_m.kr_.lgrilaunog_launatengd_ԀgjldenYarm;tireynd a ustnnurgjldsamtals(_rskurWarnefndir_Ԁ_undanskildar_)6,2_m.kr_.hrrientlunin.Lkkun Y, _launakostnaWi_ԀskUrist_m.a._Ԁaffkkun_stWugildum_ԀumtvfrYvsemtluningerWirW $ fyrirYarsemekkinWistaWfyllatmanlegastWurYeirrasemltuafstrfumeWat;ku_barn  eignaleyfi_.AukningWrum_rekstrargjldum_ԀstafaWifyrstogfremstafhrri_tlvukostnaWi_   (_leyfisgjld_Ԁ_o.fl_.),_srfrWikostnaWi_Ԁ(_m.a._Ԁvegnalgri_launakostnaWar_)og_eignakaupum_  X (breytingarinnrttingum)ensamkvmttluninni.Tekjuraf_eftirlitsgjaldi_Ԁreyndust1,2 P #  _m.kr_.lgriensamkvmttluninnisemskUristafbreytingumstarfsleyfum_eftirlitsskyldra_    aWila.0tflu1ersUndnnarisundurliWunrekstrarliWumsamkvmttluninniannarsvegar    og_rauntlum_ԀfyrirriW2004hinsvegar.     Umrekstur_FME_Ԁrinu2004eraWWruleytivsaWtil_rsreiknings_Ԁ_Fjrmlaeftirlitsins_ |O  fyrirriW2004. G   2.  Rekstrartlunvegnarsins2005.      0tengslumviWgerW_rekstrartlunar_Ԁnstarshefur_FjrmlaeftirlitiW_Ԁhverjuriendur {  skoWaWupphaflegarekstrartlunyfirstandandirsYvskyniaWtlaeinsnkvmlegaog sF kosturerstWulokrssem_yfirfrist_ԀtilnstarsoghefurhrifkvrWunum_lagningar > hlutfll_ԀYessrs.MeWhliWsj;naf_brWabirgWarekstraruppgjri_Ԁfyrirfyrrihelmingyfirstand   andirstelur_FjrmlaeftirlitiW_ԀstWutilaWendurskoWaupphaflegatlunfyrirriW2005.    SamkvmtendurskoWaWritlunfyrirriW2005,sbr.tflu2,verWurtekjuafgangurnei r kvWurum25,5_m.kr_.staWYessaWveraneikvWurum8,5_m.kr_.samkvmtupphaflegu j= tluninni.MismunurinnaWfjrhW16,9_m.kr_.skUristaffrvikiYremurrekstrarliWum,_Y.e._ 5 _launakostnaWi_Ԁ15,2_m.kr_.,_tlvukostnaWi_Ԁ1,4_m.kr_.ogerlendumferWakostnaWi0,8_m.kr_.eWa  samtals17,4_m.kr_.enYarm;tikemur0,5_m.kr_.aukningWrumtekjum.    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SrstaklegavargerWgreinfyrirYessariauknu_starfsmannaYrf_Ԁhj_Fjrmlaeftirlitinu_Ԁfrum  varpinutilbreytinga_verWbrfaviWskiptalgunum_Ԁogumsgn_fjrlagaskrifstofu_Ԁfjrmla `  rWuneytisins.SegjamaWlggjafinnhafiviWurkenntYessaauknu_starfsmannaYrf_ԀviW X+! gildistkulagannaogtaldi_FjrmlaeftirlitiW_ԀnauWsynlegtaWbregWaststraxviW._LaunaskriW_ #" umframtlunsamsvarar2,8%af_launakostnaWi_.XaWskUristfyrstogfremstafhrifumaf # mikilliYenslu_launakostnaWi_Ԁ_fjrmlamarkaWi_  $   Hkkun_tlvukostnaWi_Ԁstafarafhkkun_Yj;nustugjldum_Ԁannarsvegar(0,6_m.kr_.)og !W% _hugbnaWarkostnaWi_Ԁhinsvegar(0,8_m.kr_.).HkkunerlendumferWakostnaWiskUristaf O""& aukninguferWumvegnaaukinnarstarfsemibankannaerlendumvettvangi,sbr.ennfremur #' nnariumfjllunskUrsluumreksturogstarfsumhverfi_Fjrmlaeftirlitsins_ԀnstuYrjr. #(   _Yfirfrt_ԀeigiWffrrinu2004reyndistvera8,9_m.kr_.AWteknutillititil25,5_m.kr_._tl $ ) aWs_Ԁ_tekjuhalla_ԀverWureigiWfrslok2005Yvneikvttum16,6_m.kr_.semjafnaYarfmeW {%N!* _eftirlitsgjaldi_Ԁrinu2006. F&"+   '",  & a  3.  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Y,   FjldistarfsmannaerrWandiYtturrekstrarkostnaWi_Fjrmlaeftirlitsins_.Affjldastarfs $ mannarWasthelstu_rekstrarstrWir_,_Y.e._Ԁlaunog_launatengd_Ԁgjld,_hsnWisYrf_Ԁogumfang  tlvubnaWar.GerterrWfyriraukningu_meWalfjlda_Ԁ_stWugilda_Ԁmilliraumrmlega4eWa   r35,539,7.XvtilviWb;tarverWisvigrmtilaWrWa_sumarstarfsmann_Ԁtmabundinverk  X efni.NnarerfjallaWumrkinfyrirYessufylgiskjali(Reksturogstarfsumhverfi_Fjrmla P #  eftirlitsins_ԀnstuYrjr).      0tflu2kemurframaWlaun-og_launatengd_ԀgjldvegnastarfsmannaerutluW298,8    _m.kr_.riW2006samanboriWviW235_m.kr_.samkvmtendurskoWaWritlun2005.Hkkun   _launakostnaWar_ԀmilliramiWaWviWendurskoWaWatlunrsins2005erYvtplega64_m.kr_. |O  eWa27%.Nnarisundurgreininghkkuninnier_eftirfrandi_:1)aWlluWru;breyttuverWur G  launakostnaWurrinu200615,2_m.kr_.hrrienendurskoWuWtlun2005gerirrWfyrir,2)   _fyrirsWar_Ԁ_samningsbundnar_Ԁlaunahkkanirreiknastvera14,4_m.kr_.,_9 #  1      _Ԁ3)20_m.kr_.vegnafjlg   unarstarfsmannaeinsoggerWergreinfyrirhraWofanog4)_;fyrirsW_Ԁ5%af_launakostnaWi_, {  eWa14,2_m.kr_.,tlaWsvigrmtilaWbregWastviW;vntumtgjldumog_launaskriWi_ԀenYaW sF sWarnefndaernauWsynlegtvegnaYenslu_launakostnaWi_Ԁ_fjrmlamarkaWi_,sbr.umfjllun > um_samkeppnishfni_Ԁ_Fjrmlaeftirlitsins_Ԁumstarfsf;lkskUrsluumreksturogstarfsumhverfi   nstuYrjr(kafli4).    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GerterrWfyriraWreksturtlvubnaWarog_srfrWiYj;nusta_Ԁvegna_tlvumla_Ԁhkkium  3,4_m.kr_.,eWatplega21%,r16,4_m.kr_.samkvmtendurskoWaWritlunfyrirriW2005 `  19,8_m.kr_.rinu2006.Af3,4_m.kr_.hkkuneru2_m.kr_._eyrnamerktar_ԀnUjumhugbnaWi X+! vegna_heimasWu_ԀennnurhkkunertluW1,4_m.kr_.eWa8,5%ogerviWYtlunbyggt #" reynslusWusturaogfjldastarfsf;lks.XergertrWfyriraW_eignakaup_ԀtengslumviW # _tlvubnaW_Ԁhkkir3_m.kr_.13_m.kr_.eWaum10_m.kr_.AukninginstafaraftluWum  $ kostnaWirinu2006viWsmWi_hugbnaWarkerfi_,_tilkynningarskyldukerfi_,tilaWsafnaupp !W% lUsingumumviWskiptimeW_fjrmlagerninga_Ԁskipulegum_verWbrfamrkuWum_Ԁsamrmi O""& viWsvonefnda_MiFiD_Ԁtilskipun_ESB_Ԁ(_Markets_Ԁ_in_Ԁ_Financial_Ԁ_instruments_Ԁ_Directive_)semlg #' leiddvarhrlandifyrrihlutaYessarsmeWbreytingumlgumumverWbrfaviWskipti. #(  kvWisemvarWaumrdda_upplUsingasfnun_Ԁtakagildiseinnihlutarsins2006.Fyrirvara $ ) verWuraWhafavarWanditlun& +  umkostnaWviWumrtt_hugbnaWarkerfi_ԀYarsem;vissaerum - YennanYtt._: #  2      _'+-  _FerWakostnaWur_,kostnaWurvegnafundaog_Ytttkugjld_Ԁvegnaerlendssamstarfs. a   GerterrWfyriraW_ferWakostnaWur_Ԁerlendishkkium12%frendurskoWaWritlunfyrir Y, riW2005ogverWi14_m.kr_.GerterrWfyrir100ferWumnstarim;ti85riW2005. $ AukninginskUristafsamstarfi_eftirlita_ԀEvr;pska_efnahagssvWinu_Ԁogauknumumsvifum  slenskraviWskiptabankaerlendis,sbr.ennfremurumfjllunumYessaYttifylgiskjali   (Reksturogstarfsumhverfi_Fjrmlaeftirlitsins_ԀnstuYrjr).RtteraWnefnaaWtarlegtyfir  X lityfirerlentsamstarf_Fjrmlaeftirlitsins_Ԁerbirt_heimasWu_ԀYess. P #    GerterrWfyriraW_ferWakostnaWur_ԀvegnafundainnanlandsverWi1,8_m.kr_.rinu2006    semersamafjrhWogfyrirriW2005.      _Fjrmlaeftirlitinu_ԀbernokkrumtilvikumaWgreiWa_Ytttkugjld_Ԁerlendusamstarfi.   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Y, AWrartekjur,_vaxtatekjur_.    _FjrmlaeftirlitiW_Ԁfrvextiaf_innstWu_ԀreikningiSeWlabanka0slands._Vaxtatekjurnar_   erubyggWar_tlaWri_Ԁ_meWalstWu_Ԁ_innstWu_ԀmiWaWviWlagningusemmiWastviWdrgaW  X rekstrartlun.EkkiertluninnigertrWfyrirWrumtekjumen_vaxtatekjum_.XessberY; P #  aWgetaaWtlaWeraWrinu2005verWiumaWrWatplega0,5_m.kr_.tekjurvegnayfir    lestrar_tboWslUsingum_ԀflagasemekkieruskrWKauphll0slandshf.enumeraWrWa    tilfallanditekjursem;varlegteraWreiknameWtlunfyrirnstar._FjrmlaeftirlitiW_Ԁ_skil   ur_ԀsrjafnframtrtttilaWnUtaheimildir7.gr.laganr.99/1999,umgreiWslukostnaWarviW |O  opinberteftirlitmeWfjrmlastarfsemi,meW_orWnum_Ԁbreytingum,og3.mgr9.gr.laganr. G  87/1998,umopinberteftirlitmeWfjrmlastarfsemi,meW_orWnum_Ԁbreytingum,tilaWinn   heimtasrstaklega_tlagWan_ԀkostnaWvegna_umframeftirlits_ԀeWa_aWkeyptrar_ԀsrfrWiYj;nustu.   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(13.september2005.) a  Inngangur.  $   SamhliWarekstrartlunsinnioggreinargerWmeWhennileggur_FjrmlaeftirlitiW_Ԁfram  skUrsluumreksturogstarfsumhverfisittnstur,enefnahags-og_viWskiptanefnd_ԀAlYingis   beindirinu2001tilmlumtil_eftirlitsins_ԀumaWslkumfjllunfylgdirlegrigreinargerW  X meWrekstrartlun.SlkarskUrslurhafafylgtmeWrekstrartlunfyrirrin2003,2004og P #  2005.HreftirferskUrsla_Fjrmlaeftirlitsins_ԀfyrirnstuYrjr.     1.  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B3  B18,0% E4' C3   /ESvYj;W 7&!yD 7SEK @/!!yE" @145,2 @/!!yF3 @194,6 B/!!yG3 B34,0%7-+!yH3 /   7# zj#hj 3.  _Skilvirkt_Ԁinnrastarfog_hagrWing_.  $J   sWustuturum,eWafr1995til2005,hefur_stWugildum_/rsverkumopinberueftirliti $ K meWfjrmlastarfsemifjlgaWrtplega3235,5,sbr.ennfremurmynd1.Yvtmabili %!L hafastWugildifstorWiWum24riW1999,enYfkkunmaWmesturekjatil;vissuaW |&O"M dragandaaWstofnun_Fjrmlaeftirlitsins_.RtteraWhafahugaaWupphafiYessatmabils G'#N vareftirlitmeWlfeyrissj;WumtakmarkaW.XaWsamamsegjaumeftirlitmeW_verWbrfamark (#O aWi_.AfYvleiWiraWhlutfall_rsverka_Ԁaf_heildarumfangi_ԀeftirlitsogstrWar_fjrmagnsmarkaWar_ - ermunminnanenvarupphafiYessatmabils.    umrddutmabilihafaverkefnieftirlits_st;raukist_ԀtaktviWaukna_alYj;WavWingu_  slensks_fjrmlamarkaWar_,vxt_fjrmlamarkaWi_Ԁogauknar_httur_ԀYessusamfara.Vxtur a rekstrarkostnaWar_Fjrmlaeftirlitsins_ԀhefurekkihaldisthendurviWaukinverkefniogvxt Y, _eftirlitsskyldra_ԀaWila.mynd4eraWfinnasamanburWvexti_lagningarstofnum_Ԁhelstu $ flokka_eftirlitsskyldra_ԀaWilaviWYr;unrekstrarkostnaWarhj_Fjrmlaeftirlitinu_.XaWathugist  aW_lagningarstofnar_ԀmiWastviWtlurr_rsreikningum_Ԁ_eftirlitsskyldra_ԀaWila2rumfyrir   _lagningarr_.  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'#-   0lj;sialls_ofangreinds_ԀerYaWmat_Fjrmlaeftirlitsins_ԀaWhinuauknaumfangieftirlitssem - leiWirafvextiog_alYj;WavWingu_Ԁslenska_fjrmlakerfisins_ԀognUjumlagareglumverWiekki  mttnemameWnokkurrifjlgunstarfsmanna.flugt_fjrmlaeftirlit_Ԁer_samgWi_ԀsemnUtast  llummarkaWnumogertilYessfalliWaWtryggja_trverWugleika_Ԁog_samkeppnishfni_Ԁs a lenskrafjrfestaog_efnhagslfs_Ԁerlendis.XessverWurYvaWgtaaW_FjrmleftirlitiW_Ԁsstakk Y, biWtilaWmtaauknumverkefnum. $  ViWaukiI.  P #    UmfjllunumnUjar_eiginfjrreglur_ԀvegnaundirbningsaW    rekstrartlun_FME_ԀfyrirriW2006.     1.LUsingnUjum_eiginfjrreglum_.  G    NUjarreglurumeigiWf_fjrmlafyrirtkja_ԀeigaaWgangagildi_EES_Ԁumram;t2006!7.   ReglurnarhafaveriWundirbningiumnokkurraraskeiWoghefur_FME_ԀtekiWYttYv   starfiinnan_EES_Ԁognorrnusamstarfi._Baselnefndin_Ԁum_bankaeftirlit_ԀgaftnUjanstaWal, {  svokallaWan_Basel_ԀII,jn2004.MnuWisWarlagWi_framkvmdatj;rn_Ԁ_ESB_Ԁframfrumvarp sF umbreytingar_tilskipunum_Ԁ_EES_ԀtilsamrmisviWstaWalinn.BisterviWaWYaWverWi > afgreitt,nokkuWbreytt,afp;litskumstofnunum_ESB_ԀhaustogverWisWantekiWinn_EES_Ԅ   samninginnvetrikomanda.UndirbninguraWnUjum_eiginfjrreglum_Ԁ_landsrtti_Ԁ_aWildarrkja_  _EES_ԀerhvarvetnaunninnsamhliWa_ESB_ԄstarfinuogdrgaWnUjumreglumlgWframsem r _umrWuskjl_ԀYarsemgerWurer_fyrirvari_ԀumendanlegagerW_tilskipunarinnar_.SamahttYarf j= aWhafa0slandi. 5   MargvslegarbreytingarverWafrnverandiskipan_eiginfjrreglna_._Basel_ԀIIstaWallinn,  semnUjureglurnarbyggjast,tekurtilfleiriYttaeneldriregluraukYessaWleyfaUmis  frvikfr_aWalreglunum_.EinstkfyrirtkigetavaliWaWnotafrviksamrmiviWstarfsemi i Yeirra,endauppfylliinnrastarfviWkomandifyrirtkistilteknargWakrfur.Xessi_fjlbreyti a4 leiki_ԀreglumertilYesstlaWuraW_fjrmlafyrirtki_ԀmeWflugtinnrastarfgetinotaWn , kvmara_httumat_,sumumtilvikumsitteigiW,meWaneinfaldarioggr;fariviWmiWanir,og  lkariYeimsemngilda,erueinnigboWifyrirYaufyrirtkisemYaWkj;sa.SegjamaW  _aWalreglur_Ԁ_Basel_ԀIIsusniWnaraWlitlum_fjrmlafyrirtkjum_,enflugrifyrirtkigetifengiW `  aWnotareglursemerunkvmari,enjafnframtfl;knari. X+!  1.1  NUju_eiginfjrreglurnar_ԀeruYrYttar.  #   Xttur1umlgmarkeiginfjr(einnigkallaWurstoW1,ensku?_pillar_Ԁ1 ,?_minimum_Ԁ_capi  $ tal_Ԁ_requirements_ )fjallarumbreytingartreikningi_eiginfjrkrfu_.ByggtverWurnkvm !W% ari_httumlingum_ԀheldurennverandireglumogboWiWupptvrmeginleiWir,svo O""& nefndastaWlaWaaWferW,semfelurekkisrst;rvgilegarbreytingarfrngildandireglum, #' ogsvonefndainnramatsaWferW,semfelursraW_eiginfjrkrafan_ԀverWurreiknuWtgrund #( velliinnramats_fjrmlafyrirtkisins_Ԁtilteknum_httuYttum_.XaWYarfYaWmeta_vanskila $ ) lkur_ԀogjafnvellklegtpmiWaWviWtiltekinvanskil.ViWYaWmatskalhafahliWsj;nafsgu {%N!* legumggnumumvanskil_tlna_.InnramatsaWferWinkrefst_umfangsmikillar_Ԁ_upplUsinga F&"+  sfnunar_Ԁoggreiningarafhlfu_fjrmlafyrirtkisins_Ԁoginnra_eftirlitskerfis_ԀsemfYarf '", nokkurs&   konar_vottun_ԀfrviWkomandi_fjrmlaeftirliti_.InnanhvorrarleiWarersWanunntaW - veljaumnokkrakostiviW_treikningana_.'-    Xttur2ummat_eftirlitsaWila_Ԁ(ensku?_pillar_Ԁ2 ,?_supervisory_Ԁ_review_ )ernUrYttur  _eiginfjrreglum_ԀsemfelursrskyldutilaWmetahvorteigiWfsfullngjandi,meWhliWsj;n a af_httustigi_ԀviWkomandifyrirtkis.Jafnframtmetur_fjrmlaeftirlit_Ԁhvort_httustig_Ԁog Y, innri_eftirlitsaWgerWir_Ԁhjllum_fjrmlafyrirtkjum_ԀsuviWunandi.XaWmatgeturskilaWhrri $ _eiginfjrkrfu_ԀtileinstakrafyrirtkjaenalmenntlgmarksamkvmtYtti1kveWurumauk  Yesssem_eftirlitsstj;rnvld_ԀgtuYurftaWkrefjastrb;tainnrastarfi.SumatriWinYtti2   eruYegartilstaWar,enverWanhlutiafreglubundinnistarfsemi_fjrmlafyrirtkja_Ԁog  X _eftirlitsstj;rnvalda_. P #    XriWjiYtturinnum_markaWsaWhald_Ԁ(?_pillar_Ԁ3 ,?_market_Ԁ_discipline_ )fjallarumskyldu_fjr    mlafyrirtkja_ԀtilaWbirtaopinberlegatilteknarupplUsingarum_httur_Ԁstarfsemisinni.    XessiYtturskarastaWeinhverjuleytiviWstaWla_AlYj;WareikningsskilarWsins_ԀfyrirskrW   fyrirtki. |O   2.Starf_FME_ԀtilYessa.      Vinna_FME_ԀviWnUju_eiginfjrreglurnar_ԀhefurtilYessafalistaWfylgjastmeWm;tunnUj   umalYj;WlegumreglumogaWundirbabreytingarmeWYvaWberasamanviWgildandireglur. {  JafnframthafaveriWlgWdrgaWnUjumreglumogfylgstmeWundirbningi_fjrmlafyrir sF tkja_.FrYvsnemmars2004hefuraWjafnaWieinnsrfrWingurveriWYessarivinnu,auk > YesssemnUjureglurnarhafaveriWofarlegabaugireglubundnualYj;Wlegusamstarfi   _bankaeftirlita_.    VitaWeraW_viWskiptabankar_ԀhafahugaWnUtasrmikilvgar_frviksheimildir_,semhafa r YUWingualYj;Wlegristarfsemi.nnur_fjrmlafyrirtki_ԀkunnaeinnigaWnUtaUmsar_frviks j= heimildir_. 5  3.NUjar_eiginfjrreglur_Ԁogstarf_FME_.     Xtteitt,lgmarkeiginfjr,mltasem_taksverkefni_Ԁsemljkirinu2007eWa2008. i Xtturtv,mat_eftirlitsaWila_,veldurtalsvertmiklumvaranlegumbreytingum_eftirlitshttum_, a4 enYtturYrj,_markaWsaWhald_,hefurekkimikilbeinhrifstarf_FME_ԀnemahvaWsetjaYarf , reglurumhann.    NUjar_eiginfjrreglur_Ԁhafafernskonarhrifstarf_FME_Ԁtilskammsoglangstma.   3.1.GefatnUjarreglur.  X+!   GefaYarftnUjarreglur,kynnaYrogYjlfastarfsliW_FME_.XettaertmabundiWverk, #" nUjarreglurYurfaflestaraWkomatrinu2006,Y;ttstkuYttirmegibWaeitthvaWlengur. #   GeramrWfyriraW_a.m.k._ԀeinnstarfsmaWuraWjafnaWiverWiupptekinnafYessufram  $ riW2007.TalsvertalYj;WlegtsamstarferumYettaefni,semtheimtirferWalg. !W%  3.2._Bttektir_ԀtengslumviWbreytingarnar.  #'   TakaYarft_matskerfi_ԀeinstakraviWskiptabankaWurenYeirgetafengiWaWbyggjatreikn #( inglgmarkieiginfjreigin_httumati_.Erlend_systurstofnun_ԀhefurtlaWaWhverttekt $ ) takihlfttileittmannrvinnu_eftirlitsins_.XettaverkertmabundiWoglUkurmeWYvaW {%N!* ;skirumleyfiverWaafgreiddar. F&"+   GeramrWfyrireinuoghlfu_mannri_ԀYennanliWrunum2006og2007.Einhver '", ferWalgfylgjaYessumYttivegnastarfsemislenskrabankaerlendis. '#- Ї 3.3.Nverandi_eftirlitsverkefni_ԀsembreytasttilframbWar.  -   Tmisnverandi_eftirlitsverkefni_ԀbreytasteitthvaW,einkumeftirlitmeWYvaWeigiWf_fjr  mlafyrirtkja_Ԁsfullngjandi.EkkiliggurfyrirhvortYrbreytingarhafieinarsrum  talsverWhrif_vinnuframlag_Ԁ_FME_ԀeftiraWYrgangagildi.Bein_eftirlitsstrf_Ԁerlendismunu a Y;aukastvegnaumsvifaslenskrabankaYar,semaWhlutatilskUristafYessumnUjureglum. Y,  3.4.NUreglubundinverkefni.     GerWarverWaauknarkrfurtilinnrastarfs_fjrmlafyrirtkja_,semYarfaWmtameWreglu   bundnueftirlitiafhlfu_FME_,Y;tt_fjrmlafyrirtkin_ԀsjlfberiYungannafYvaWeflasitt  X innrastarf.NUreglubundin_eftirlitsverkefni_ԀbtastviWundirYtti2,bWialvegnUverkefni P #  ogverkefnisemtilYessahafagiltumheimildarkvWieWaleiWbeinandireglursemaWeins    hafakallaWeftirlitafsrstkutilefni.      Reglubundin_eftirlitsverkefni_ԀYurfastuWningafflugu_upplUsingakerfi_Ԁ(sjYar).    4.NiWurstaWa.  G    GeramrWfyriraWeinntiltvonUjastarfsmennYurfitilframbWarvegnabreyttra_eftir   litshtta_,aukYeirrasemsinnaYttum1og2hraWframan.SumtafhinumnUjureglubundnu   verkefnumtheimtirverulegasrfrWikunnttuogferWalg. {   ViWaukiII.     Umfjllunum_eftirlitsverkefni_Ԁ_verWbrfamarkaWi_ԀvegnaundirbningsaW j= rekstrartlun_FME_ԀfyrirriW2006.  5   UndanfarinrhefurherslaveriWlgWfyrirbyggjandieftirlitmeWstarfshttum_verW  brfamarkaWi_.0Yessuskynihefur_FME_ԀhaldiWsrstaka_kynningarfundi_Ԁfyrir_regluverWi_,Yar  semfariWeryfirhlutverkogskyldur_regluvarWa_._Kynningarfundunum_ԀhefurveriWfylgteftir i meWathugunumhjtgefendumYarsemtarlegaerfariWyfirstarfshtti_regluvarWa_Ԁogfram a4 kvmd_innherjaviWskipta_.0framhaldiafYessumathugunumhafaveriWgerWarathugasemdir , ogkrfurumrbturstarfshttum_regluvarWa_Ԁogstarfsemitgefenda.VerkefniWhefur  gefiWg;WaraunogerfyrirsWaWframhaldverWiYv.AllshafaathuganirveriWgerWarhj  22tgefendumfrrsbyrjun2004._Verktlun_ԀhefurgertrWfyrirfleiriathugunum,enYaW `  hefurekkigengiWeftirvegnaskortsmannaflaogYarsem_ttektirnar_Ԁhafareynst_tmafrekari_ X+! entlaWvar.tlam1,5!2stWugildisamskiptiogfyrirbyggjandieftirlitmeWtgefendum. #"   tlunineraWaukaennfrekarviWkynningar-ogfrWslustarfsemi_verWbrfamarkaWar_ԀmeW # skipulgWumfundum.ErYaWnauWsynlegttilYessaWfylgjanUrrilggjfrhlaWiogviWhalda  $ meWvitundmarkaWium_regluverkiW_.0tengslumviW_gagnsisstefnu_Ԁ_FME_ԀernauWsynlegtaW !W% upplUsamarkaWinnummlsemhafaveriWtilskoWunar. O""&   _FME_ԀhefurlagthersluaWbeitaheimildtil_stj;rnvaldssekta_Ԁvegnabrota_formreglum_ #' umframkvmd_innherjaviWskipta_,semgildit;k1.jl2003,meW_markvissum_ԀhttiogstyWja #( YannigviWhiWfyrirbyggjandieftirlit.NokkurfjldimlahefurfariWfyrir_krunefnd_Ԁoghefur $ ) _mlarekstur_ԀYvsambandikallaWnokkravinnu.takerrWgertmlumvegnaskila {%N!* _innherjalistum_.Horfureruframhaldandiumsvifum_stj;rnvaldssektamlum_Ԁogaukningu F&"+  krumlumtengslumviWgagnsisstefnuFME. '", & a      rinu2005vargerWursamsstarfssamningurviWKauphll0slandsumsamstarfeftirlits - mlum.XhefurFMEgefiWtyfirlUsinguumeftirlitsverkefnisemKauphllinnihafaveriW  'a-zfalinmeWheimild71.gr.lagaumverWbrfaviWskipti,enYarer_m.a._ԀskerptsamstarfiaWila  ogkveWiWumreglulegafundium_eftirlitsml_ԀtilaWtryggjaflugraog_skilvirkara_Ԁeftirlit. a TluverWvinnahefurfariWgerWYessarasamningaogmgerarWfyriraWsvoverWifram Y, viWYr;unsamstarfsaWila.MarkaWsvaktFMEhefurhaftmeWhndumyfirsUnyfirviWskipti $ _verWbrfamarkaWi_Ԁog_frumathugun_Ԁmla.    JafnframthefurtluverWvinnafariWgerW_samstarfssamninga_ԀviW_Kauphllina_Ԁum_tvistun_   verkefnavegna_tboWslUsinga_Ԁog_tilboWsyfirlita_.Samningarnirerunlokastigi._FME_Ԁmun  X hafaeftirlitmeWframkvmd_Kauphallarinnar_ԀsamningunumogforrWilitaefnumsem P #  komaupp,ogmgerarWfyrirtalsverWrivinnuviWYaW.      VerulegvinnahefurfariWerlentsamstarfog_innleiWingu_Ԁtilskipanaum_markaWssvik_    (_MAD_),_tboWslUsingar_Ԁog_yfirtkur_.0ii.liWeliWarII.kaflaathugasemdaviWfrumvarpYaW   semvarWaWlgumnr.31/2005,seminnleiWaframangreindartilskipanir,ogumsgn_fjr |O  lagaskrifstofufjrmlarWuneytisins,errWgertaWaukinverkefnivegnafrumvarpsinskalli G  a.m.k._Ԁ2nUstWugildihj_FME_._FME_ԀhefurYegargefiWtreglurumviWskipti_innherja_Ԁog   meWferW_innherjaupplUsinga_Ԁsemt;kugildi1.jl2005.XhefurveriWgefintstefna_FME_   umgagnsimlum_verWbrfamarkaWi_Ԁsemeinnigt;kgildi1.jl,enlj;steraWhnmun {  kallaauknavinnuviWmeWferWmlaogfrekaritfrsluframkvmd.0tarlegkvWihafa sF veriWsettum_yfirtkutilboW_ԀmeWlgumnr.31/2005og_FME_ԀfraukiW_hluterk_ԀviW_framfylgd_ > Yeirra.     framerunniWaWvinnuviW_MiFiD_Ԁ(_gildistaka_Ԁhaust2006,nefndvegumiWnaWarog  _viWskiptarWuneytis_Ԁtekintilstarfa)og_Transparency_Ԁ(_gildistaka_Ԁ2007)tilskipanir_ESB_.Lj;st r eraW_innleiWingin_ԀmunhafatalsverWavinnufrmeWsrfyrir_FME_.Xhefur_FME_ԀtekiWYtt j= vinnunefndarEvr;pskaSeWlabankansog_CESR_Ԁum?_clearing_Ԁ_and_Ԁ_settlement_ .Starfsemi 5 _CESR_ԄPol_eftirlitsnefndarinnar_Ԁhefuraukist,samfaraauknumkrfumframangreindratilskip  anaumsamstarf_eftirlitsaWila_ԀEvr;puogsamrmingu_regluverki_.Btrsslenskra_fjrmla  fyrirtkja_ԀhefureinnighafthrifaukiWsamstarf_FME_ԀviWerlenda_eftirlitsaWila_._SUnileiki_ i _FME_Ԁsamstarfievr;pskra_eftirlitsaWila_ԀhefurverulegaYUWingufyrir_trverWugleika_Ԁslensks a4 _fjrmlamarkaWar_Ԁogtrsslensksatvinnulfs. ,   UndirbningsvinnavarhafinviWsmWi_tilkynningarskyldukerfis_Ԁ(_Transaction_Ԁ_Reporting_)  semtakaverWuruppviW_innleiWingu_Ԁ_MiFiD_,enverulegvinnamunfylgjasmWikerfisins  (tengist_upplUsingatknimlum_)._I #  4      _ԀMeWkerfinumun_FME_ԀfkostaWtbaflugt_rafrnt_ `  _eftirlitskerfi_Ԁoghefur_FME_ԀkynnthugmyndirYveru.Vinnuh;purhefurveriWsetturlagg X+! irnarmeWYtttku_Kauphallar_,_VerWbrfaskrningar_Ԁogfulltrafr_viWskiptabnkum_.X #" hefurveriWsamiWviW_upplUsingatknirWgjafa_. #   sl.rivarfariWtarlegattektstarfshttum_fjrmlafyrirtkis_Ԁ_verWbrfaviWskiptum_.  $ Leiddiathugunintilmargvslegraathugasemdaogkrafnaumrbtur._verktlun_Ԁ2005er !W% rWgertaWfaraslkattektogerstefntaWYvaWfara_a.m.k._Ԁeinaslkattektri.Xessar O""& _ttektir_Ԁhafareynstmun_tmafrekari_ԀentlaWvar.MeW_innleiWingu_Ԁ_MAD_Ԁog_MiFiD_Ԁtilskipana #' _Evr;pusambandsins_Ԁerskerptrttindumogskyldum_fjrmlafyrirtkja_Ԁ_verWbrfaviWskipt #( um_ԀogerfyrirsWaW_FME_ԀmunverjaauknumtmaeftirlitmeWYessumreglum. $ )   _verktlunum_Ԁsl.2rhefurveriWstefntaWmeiriherslu_frumkvWiseftirlit_Ԁ_FME_Ԁog {%N!* _vettvangsathuganir_,enYrtlanirhafaekkigengiWeftirvegnaskortsmannafla.Hinu F&"+ samagegnirumstaWlaWar_eftirlitsaWgerWir_ԀtengslumviWtilteknaatburWi_verWbrfamarkaWi_, - svosemsamrunaog_yfirtkur_,st;rarfrttirsemhrifhafagengifyrirtkja_o.fl_.    Helstuverkefnisamkvmtframangreindu:  "i(m "  i(m& 23  Ԉ0    FramhaldfyrirbyggjandieftirlitsmeWsamskiptumviWtgefendur.i(m&&݌a Ќ  "i(m "  i(m' 23  Ԉ0    AukinherslakynningarogfrWslu.i(m'(݌Y, Ќ  "i(m "  i(m( 23  Ԉ0    FramkvmdogYr;un_gagnsisstefnu_.i(m((݌$ Ќ  "i(m "  i(m) 23  Ԉ0    _NUsettum_Ԁreglum_FME_ԀummeWferW_innherjaupplUsinga_ԀogviWskipti_innherja_Ԁfylgteftir  affestu.i(m) *݌  Ќ  "i(m"  i(m+ 23  Ԉ0    Markvissbeiting_stj;rnvaldssekta_Ԁvegna_formbrota_ԀlgumumverWbrfaviWskipti.  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