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ذReykjanesi€og€Vesturlandi€og€einungis€eitt€tib€€NorًWًurlandi€vestra.€Af€tflunni€aًWً€dmaذ J""D ذmun€ًYًaًWً€hafa€mest€hrif€€bankaًYًjً;ًnustu€€NorًWًurlandi€eystra€ef€ًYًjً;ًnusta€sparisjً;ًًWًa€legًWًistذ #يE ذaf.ذ à#¸F ذààVarًWًandi€spurninguna€um€hrif€framhaldandi€starfsemi€sparisjً;ًًWًanna€€kerfishttu€ذ «$ƒ G ذbankakerfi€€ً0ًslandi€m€benda€€aًWً€taliًWً€hefur€veriًWً€aًWً€litlar€einingar€geti€€kveًWًnum€tilƒذ v%N!H ذvikum€haft€kveًWًin€hrif€€fjrmlastًWًugleika.€ً0ً€ًYًessum€efnum€m€minna€€ummli€Charƒذ A&"I ذlotte€Sickermann,€hj€framkvmdastjً;ًrn€Evrً;ًpusambandsins,€€rsfundi€Fjrmlaeftirlitsinsذ 'ن"J ذâ â€sًWًasta€ri,€en€€kynningu€hennar€sagًWًi€meًWًal€annars:€ً?ًEven€smaller€banks€can€pose€threatذ ×'¯#K ذر‡9¼رâ ‡âض€yےےضش_شâ ‡âر رto€financial€stability.ً ًش_ش×ƒ×ف ƒ#أفٍٍعع1ع عََفف× ×ش_ش€ًXًaًWً€verًWًur€ًYًً;ً€eًWًli€mls€samkvmt€aًWً€meta€ًYًaًWً€eftir€aًWًstًWًum€hverjuذ ( ذâ âsinni€hvaًWً€s€til€ًYًess€falliًWً€aًWً€raska€fjrmlastًWًugleika.ذ َث ذààHr€€eftir€m€sj€upplًUًsingar€um€innln€og€tln€lnastofnana,€ًYً.e.€viًWًskiptabanka,€spariƒذ ¾– ذsjً;ًًWًa€og€lnafyrirtkja€€rslok€2011,€en€taflan€byggist€€upplًUًsingum€fr€Fjrmla‚eftirƒذ ‰a ذlitinu.ش_ش×ƒˆ×ف ƒ#أفٍٍعع2ع عََفف× ×ش_شذ T, ذجش‡آ±E آ¸شش*¥ƒ'd rd*dd *+ddP++ddP++ddP+>·>·¥شش,¶dd شش,طdd شش,ظdd شش+ شذ3€"êآêآ ‚‚ƒƒ„„3ذViًWًskiptabankar€og€sparisjً;ًًWًirذ @€/!êآ „„‹‹@ذًBًtln€(samstًWًa)ذ @€/!êآ3 „„‹‹@ذInnln€(samstًWًa)ذ;1'êآ 3 ‚‚ƒƒ;ذArion€banki€hf.ذ µ چ „„ذ561.550.000ذ 'µ چ3 „„'ذ489.994.732ذ,"µ چ3 ‚‚ƒƒ,ذً0ًslandsbanki€hf.ذ € X „„ذ564.394.762ذ '€ X3 „„'ذ462.943.219ذ,"€ X3 ‚‚ƒƒ,ذLandsbankinn€hf.ذ K# „„ذ639.130.000ذ 'K#3 „„'ذ443.590.208ذ,"K#3 ‚‚ƒƒ,ذSparisjً;ًًWًirnirذ î „„ذ36.870.455ذ 'î3 „„'ذ46.003.546ذ,"î3 ‚‚ƒƒ,ذش_شMPش_ش€banki€hf.ذ ل¹ „„ذ13.294.303ذ 'ل¹3 „„'ذ34.594.083ذ<€+ل¹3 ‚‚ƒƒ„„<ذSamtalsذ =€,!¬ „ „„=ذ1.815.239.520ذ e€T!¬ „ 3 پ§ةضA 1477125788پ„„‰§ةضA‰eذ1.477.125.788ش#†¸ آآ±Eه#شذ^TR¬ „ 3 §ةضA 1477125788 §ةضA ^ذجààSamkvmt€smu€skًUًrslu€Fjrmlaeftirlitsins€er€samanlgًWً€hlutdeild€sparisjً;ًًWًanna€ذ B ذheildar‚tlnum,€aًWً€meًWًtldum€tlnum€lnafyrirtkja,€1,4%€en€hlutdeild€sparisjً;ًًWًanna€ذ ه ذش_شheildarinnlnumش_ش€er€3,1%.ذ ط° ذجٍٍف"‚i0J"فففف‚i0Jً'فàذ‹‹àش2%‹شعع2ع ع.ش3 شˆà0‰àففHafa€sparisjً;ًًWًirnir€fengiًWً€sambrilegar€afskriftir€af€lnasfnum€snum€og€bankarnirذ nF ذfengu€ًYًegar€ًYًeir€tً;ًku€yfir€lnasfn€fllnu€bankanna?€Ef€ekki,€hvaًWًa€hrif€hefur€ًYًaًWً€ذ 9! ذsam‚‚‚‚keppnis‚stًWًu€sparisjً;ًًWًanna€gagnvart€bnkunum?ََفƒi0Jً'(فŒذـ"‰·‰· ذŒف فààFimm€sparisjً;ًًWًir€sem€rkiًWً€fer€meًWً€eignarhlut€€fً;ًru€€gegnum€fjrhagslega€endur‚skipuƒذ د§# ذlagningu€€rinu€2010€en€starfa€eftir€sem€ًWًur€€smu€kennitlum€og€fyrir€hrun.€ViًWًskiptaƒذ ڑr$ ذbankarnir€ًYًrr€voru€hins€vegar€endurreistir€sem€nًUًjar€fjrmlastofnanir€og€eignir€keyptar€yfirذ e=% ذ€nًUًja€banka€fr€ًYًrotabum€gmlu€bankanna€meًWً€afsltti€vegna€ً;ًvissu€um€raunvirًWًi€eigna.ذ 0& ذAًWً€ًYًessu€leyti€var€endurskipulagning€sparisjً;ًًWًa€(sem€fً;ًr€fram€skuldamegin€€efnahags‚reiknƒذ ûس' ذingi€ًYًeirra)€meًWً€ًWًrum€htti€heldur€en€endurskipulagning€viًWًskiptabankanna€(sem€fً;ًr€framذ ئ‍( ذeignamegin€€efnahagsreikningi€ًYًeirra).€Erfitt€er€aًWً€fullyrًWًa€um€hrif€ًYًessa€€samkeppnisƒذ ‘i) ذstًWًu€sparisjً;ًًWًanna€gagnvart€bnkunum€en€benda€m€€aًWً€viًWً€upphaflega€endurskipu‚lagnƒذ \4* ذingu€fengu€ًYًeir€fimm€sparisjً;ًًWًir,€sem€eru€aًWً€hluta€til€€eigu€rkisins,€5,5€milljarًWًa€kr.€af‚skrifƒذ 'ے+ ذaًWًa€af€samtals€10,7€milljarًWًa€kr.€krfum,€eًWًa€um€51,3€%,€samkvmt€rsskًUًrslu€BankasًUًsluذ ٍت, ذrkisins€2011.€Sumir€sparisjً;ًًWًir€hafa€fengiًWً€frekari€eftirgjf€fr€krfuhfum€snum€eftir€uppƒذ ½•- ذhaflega€endurskipulagningu.€Erfitt€er€aًWً€bera€ًYًessar€afskriftir€saman€viًWً€kaupverًWً€hinnaذ ˆ`. ذfllnu€banka€€lnasfnum€ًYًar€sem€ekki€liggur€fyrir€hvort€sambrileg€ln€hafi€veriًWً€metinذ S+/ 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ذans,€€stofnf€€eigu€BankasًUًslunnar,€verًWًmti€vrumerkisins€og€bankaleyfum€spariƒذ ٍت ذsjً;ًًWًanna?ََفƒi0JK9x9فŒذ½•‰·‰· ذŒف فààSamkvmt€upplًUًsingum€rًWًuneytisins€nema€krfur€Eignarhaldsflags€SeًWًlabankans€ehf.ذ ˆ` ذ€hendur€sparisjً;ًًWًum€1.062,6€millj.€kr.€miًWًaًWً€viًWً€31.€desember€2012€og€stofnf€slenskaذ S+! ذrkisins€sem€er€€umsjً;ًn€BankasًUًslu€rkisins€er€samtals€1.663,2€millj.€kr.€aًWً€nafnverًWًi€viًWًذ ِ" ذritun€ًYًessa€svars.€VerًWًmti€vrumerkis€og€ش_شbankaleyfaش_ش€sparisjً;ًًWًanna€tti€aًWً€endurspeglastذ éء# ذ€markaًWًsvirًWًi€stofnfjr€viًWًkomandi€sparisjً;ًًWًs€€hverjum€tma€en€ekki€hefur€veriًWً€lagtذ ´ Œ$ ذsjlfsttt€mat€€ًYًessi€verًWًmti€af€hlfu€rًWًuneytisins.€VarًWًandi€verًWًmti€ش_شbankaleyfisش_ش€spariƒذ !W% ذsjً;ًًWًs€ًYًarf€aًWً€hafa€€huga€aًWً€leyfiًWً€er€ً;ًframseljanlegt,€eًWًa€ekki€seljanlegt,€og€ًYًv€vandsًWً€aًWًذ J""& ذًYًaًWً€geti€talist€sjlfsttt€verًWًmti.ذ #ي' ذجٍٍف"‚i0J"فففف‚i0JTAفàذ‹‹àش2%‹شعع6ع ع.ش3 شˆà0‰àففHvernig€hyggst€rkisstjً;ًrnin€vinna€aًWً€ًYًv€aًWً€endurheimta€ًYً€fjrmuni€sem€lagًWًir€hafaذ «$ƒ ) ذver‚iًWً€€stofnf€sparisjً;ًًWًanna?ََفƒi0JTAپAفŒذv%N!*‰·‰· ذŒف فààEndurheimt€ًYًeirra€verًWًmta€sem€lgًWً€hafa€veriًWً€€stofnf€sparisjً;ًًWًanna€er€verkefniذ A&"+ ذBanka‚sًUًslu€rkisins,€sbr.€lg€nr.€88/2009,€um€BankasًUًslu€rkisins.€ًXً€hafa€veriًWً€sett€lg€nr.ذ 'ن", ذ155/2012,€um€slumeًWًferًWً€eignarhluta€rkisins€€fjrmlafyrirtkjum.€Skv.€4.€gr.€lagannaذ ×'¯#- ذannast€BankasًUًsla€rkisins€slumeًWًferًWً€eignarhluta€fyrir€hnd€rkisins,€m.a.€€eignarhlutذ ¢(z$. ذrkisins€€sparisjً;ًًWًum.€ش_شBankasًUًslanش_ش€skoًWًar€um€ًYًessar€mundir€ًUًmsar€mismunandi€aًWًferًWًir€tilذ ( ذendurheimtar€€fjrmunum€rkisins€til€sparisjً;ًًWًa€og€hefur€lًUًst€ًYًeirri€skoًWًun€sinni€aًWً€nauًWًƒذ َث ذsynlegt€s€aًWً€sameina€sparisjً;ًًWًi€til€ًYًess€aًWً€ًYًeir€megi€vaxa€og€dafna.€Fyrsti€fangi€ًYًeirrarذ ¾– ذvinnu€leit€dagsins€ljً;ًs€€miًWًju€ri€2013€en€€ش_شstofnfjreigendafundumش_ش€4.€jl€sl.€samًYًykktuذ ‰a ذش_شstofnfjrhafarش_ش€Sparisjً;ًًWًs€Svarfdla€og€Sparisjً;ًًWًs€ًXًً;ًrshafnar€og€ngrennis€samruna€sjً;ًًWًanna.ذ T, ذFrekari€ش_شsameiningaش_ش€m€vnta€€nstu€missirum€aًWً€mati€BankasًUًslu€rkisins.€Vinna€aًWً€samƒذ ÷ ذeiningu€sparisjً;ًًWًa€er€liًWًur€€formum€BankasًUًslunnar€aًWً€auka€arًWًsemi€sjً;ًًWًanna,€styrkja€samƒذ êآ ذkeppni€€markaًWًi€og€um€leiًWً€fangi€€ًYًv€aًWً€losa€um€eignarhlut€rkisins€€sparisjً;ًًWًum,€sbr.ذ µ چ ذumfjllun€€rsskًUًrslu€BankasًUًslunnar€2013.€ذ € X ذجٍٍف"‚i0J"فففف‚i0J‍Iفàذ‹‹àش2%‹شعع7ع ع.ش3 شˆà0‰àففHafa€nًUًfallnir€dً;ًmar€um€gengistengd€ln,€einkum€varًWًandi€Sparisjً;ًًWً€MًUًrasًUًslu,€hrifذ î ذ€mguleika€sparisjً;ًًWًanna€til€aًWً€halda€velli,€aًWً€undangenginni€hagrًWًingu€og€hugs‚anƒذ ل¹ ذlegri€sameiningu?€Hvenr€m€tla€aًWً€lokauppgjri€€erlendum€skuldum€ًYًeirra€verًWًiذ ¬ „ ذlokiًWً?ََفƒi0J‍IثIفŒذwO ‰·‰· ذŒف فààRًWًuneytiًWً€hefur€ekki€lagt€mat€€ًYًaًWً€hvort€nًUًfallnir€dً;ًmar€um€gengistryggًWً€ln€hafi€hrifذ B ذ€uppgjr€gengistryggًWًra€lna€sparisjً;ًًWًanna€og€€rًWًuneytiًWً€ekki€aًWًild€aًWً€samn‚ingumذ ه ذsparisjً;ًًWًanna€viًWً€krfuhafa€um€uppgjr€eًWًa€leiًWًrttingu€skulda.€Rttindi€og€skyldur€hversذ ط° ذsparisjً;ًًWًs€gagnvart€krfuhafa€snum€rًWًst€eflaust€af€ًYًeim€atvikum€og€samningum€sem€baذ £{ ذaًWً€baki€hverju€sinni.ذ nF ذجٍٍف"‚i0J"فففف‚i0JNفàذ‹‹àش2%‹شعع8ع ع.ش3 شˆà0‰àففEr€hugsanlegt€aًWً€auka€ًYًjً;ًnustu€viًWً€landsbyggًWًina€og€hagkvmni€€spari‚sjً;ًًWًa‚‚kerfinuذ ـ ذmeًWً€ًYًv€aًWً€efna€til€samstarfs€sparisjً;ًًWًanna€viًWً€ByggًWًastofnun€og/eًWًa€ً0ًslands‚‚pً;ًst?ذ د§ ذKemur€til€greina€aًWً€tryggja€sparisjً;ًًWًum€og€ًWًrum€smrri€fjrmla‚stofn‚‚unum€aًWًgangذ ڑr ذaًWً€heildslufjrmgnun€bًWًalna€meًWً€skipulagsbreytingum€€ً0ًbًWًa‚‚lnasjً;ًًWًi?ََفƒi0JNINفŒذe=‰·‰· ذŒف فààRًWًuneytiًWً€telur€aًWً€stofnfjreigendur,€ًYً.m.t.€BankasًUًsla€rkisins€vegna€stofnfjr€slenskaذ 0 ذrkisins,€sem€og€stjً;ًrnir€og€stjً;ًrnendur€sparisjً;ًًWًanna€eigi€aًWً€skoًWًa€alla€mguleika€til€ًYًessذ ûس ذaًWً€efla€og€styrkja€rekstur€sparisjً;ًًWًanna.€Ef€tkifri€til€slks€er€aًWً€finna€€samstarfi€viًWًذ ئ‍ ذByggًWًa‚stofnun€og/eًWًa€ً0ًslandspً;ًstش_ش€ش_شش_شش_شberش_ش€skoًWًa€og€leggja€mat€€ًYًaًWً€af€hlfu€ًYًessara€aًWًila.ذ ‘i ذStjً;ًrnir€og€stjً;ًrnendur€sparisjً;ًًWًanna€ًYًurfa€aًWً€leita€hagkvmustu€leiًWًa€til€fjrmgnunar€ذ \4 ذsparisjً;ًًWًunum,€en€slk€fjrmgnun€verًWًur€aًWً€byggjast€€markaًWًslausnum€enda€rkinu€ً;ًheimƒذ 'ے ذilt€aًWً€veita€ًYًessum€aًWًilum€eًWًa€ًWًrum€rkisaًWًstoًWً€€gegnum€niًWًurgreiًWًslu€€lnum€eًWًa€meًWًذ ٍت ذًYًv€aًWً€veita€rkisbyrgًWً€€ش_شlntkum.ش_ش€Komi€til€breytinga€€ً0ًbًWًalnasjً;ًًWًi,€lkt€og€oft€hefurذ ½• ذveriًWً€rtt,€er€rtt€og€viًWًbiًWً€aًWً€litiًWً€verًWًi€til€ًYًess€hvernig€sparisjً;ًًWًir€og€aًWًrar€smrri€fjrƒذ ˆ` ذmlastofnanir€geti€best€gegnt€ًYًv€hlutverki€aًWً€bta€ًYًjً;ًnustu€viًWً€lntakendur€vegna€hsƒذ S+! ذnًWًiskaupa.ذ ِ" ذجٍٍف"‚i0J"فففف‚i0J¦Vفàذ‹‹àش2%‹شعع9ع ع.ش3 شˆà0‰àففHvaًWًa€stefnu€hefur€rkisstjً;ًrnin€varًWًandi€hlutverk€sparisjً;ًًWًa€€fjrmlamarkaًWًi€landsƒذ ´ Œ$ ذmanna€€framtًWًinni€og€hvaًWًa€aًWًgerًWًir€ًYًyrfti€aًWً€rًWًast€€til€aًWً€fram‚fylgja€ًYًeirri€stefnu?ََفƒi0J¦VسVفŒذ!W%‰·‰· ذŒف فààSparisjً;ًًWًirnir€gegna€mikilvgu€hlutverki€€fjrmlakerfinu€og€veita€viًWًskiptamnnumذ J""& ذsnum€mikilvga€ًYًjً;ًnustu,€sem€vًWًa€rkir€almenn€ngja€meًWً,€ًYًrtt€fyrir€smًWً€ًYًeirra€og€takƒذ #ي' ذmarkaًWًa€hlutdeild€€heildart-€og€innlnum.€Sparisjً;ًًWًirnir€hafa€vًWًa€srstku€samflagsleguذ à#¸( ذhlutverki€aًWً€gegna,€sem€getur€veriًWً€frbrugًWًiًWً€ًWًrum€strri€fjrmlafyrirtkjum,€og€aukaذ «$ƒ ) ذًYًannig€viًWً€fjlbreytni€og€valkosti€innan€fjrmlakerfisins.€skilegt€er€aًWً€slkir€valkostir€suذ v%N!* ذfyrir€hendi,€um€leiًWً€og€stuًWًlaًWً€s€aًWً€samkeppni€€fjrmlamarkaًWًi.ذ A&"+ ذààAf€hlfu€stjً;ًrnvalda€hlًUًtur€alltaf€aًWً€verًWًa€lgًWً€hersla€€aًWً€gtt€s€jafnrًWًis€hvaًWً€starfsƒذ 'ن", ذskilyrًWًi€allra€fyrirtkja€€fjrmlamarkaًWًi€varًWًar.