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Ҁ `!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? ,XX0?vvbX0#ggdd  8,dd8ISUS,.     ^^`   _ _ikmo(%03q  149.lggjafarYing2018!2019. ( Xingskjal_1873_ԁ"790.ml.      Cz,Frumvarptillaga#, CzL#   =  umSeWlabanka0slands.    (Eftir2.umrWu,18.jn.) K #    I.KAFLI     AlmennkvWi.    1.gr. wO  Stofnun. B  Q  SeWlabanki0slandsersjlfstWstofnuneigurkisinssemheyrirundirrWherra.      Rkissj;WurberbyrgWllumskuldbindingumSeWlabankans.     AWseturogvarnarYingSeWlabankanserReykjavk. {    2.gr. 9 MarkmiWogverkefni.  9  SeWlabanki0slandsskalstuWlaaWstWuguverWlagi,fjrmlastWugleikaogtraustriogr  uggrifjrmlastarfsemi.XskalbankinnsinnaviWfangsefnumsemsamrUmasthlutverkihans r semseWlabanka,svosemaWvarWveitagjaldeyrisforWaogstuWlaaWvirkuogruggufjrmla e= kerfi,Y.m.t.greiWslumiWlunlandinuogviWtlnd. 0   SeWlabankanumerheimiltmeWsamYykkirWherraaWlUsayfirtlulegumarkmiWium  verWb;lgu.    SeWlabankanumerheimiltmeWsamYykkirWherraaWlUsayfirmarkmiWiumgengis i lenskukr;nunnargagnvarterlendumgjaldmiWlum. \4   SeWlabankinnfermeWYauverkefnisemFjrmlaeftirlitinuerufalinlgumogstj;rn ' valdsfyrirmlumogerFjrmlaeftirlitiWhlutiafSeWlabankanum.SkalbankinnfylgjastmeW  aWstarfsemieftirlitsskyldraaWilassamrmiviWlgogstj;rnvaldsfyrirmliogaWhns  aWWruleytisamrmiviWheilbrigWaogeWlilegaviWskiptahtti,sbr.lgumopinberteftirlit `  meWfjrmlastarfsemi. S+!   SeWlabankinnskalstuWlaaWframgangistefnurkisstj;rnarinnarefnahagsmlum,enda " teljihannYaWekkigangagegnmarkmiWumbankans. #   II.KAFLI !W%  Stj;rnskipulag.  J""& 3.gr. #' Yfirstj;rn. #(   SeWlabankastj;ristUrirogberbyrgWstarfsemiogrekstriSeWlabanka0slandsogfermeW $ ) kvrWunarvaldllummlefnumbankanssemekkierufalinWrummeWlgum. v%N!*   kvarWanirumbeitingustj;rntkjaSeWlabankanspeningamlumeruteknarafpeninga A&"+ stefnunefnd,sbr.9.gr.kvarWanirumbeitingustj;rntkjaSeWlabankansvarWandifjrmla  '", stWugleikaeruteknaraffjrmlastWugleikanefnd,sbr.12.gr.kvarWanirsemfaldareru '#-/ FjrmlaeftirlitinulgumeWastj;rnvaldsfyrirmlumheyraundirfjrmlaeftirlitsnefnd,sbr. ( 15.gr.    kvarWanirumvarWveislugjaldeyrisforWa,sbr.30.gr.,ogveitingubyrgWaeWalnatil  lnastofnanalausafjrvandagrundvelli2.mgr.19.gr.skuluteknarafseWlabankastj;raog a varaseWlabankastj;rumfundisemseWlabankastj;riboWartil.samahttskaltakakvarW T, anirumsetningureglnaumbindingureiWufjrvegnanUsinnstreymiserlendsgjaldeyris  grundvellilagaumgjaldeyrisml,kvarWanirumsetningureglnaumstarfsemiskipulegra  gjaldeyrismarkaWa,sbr.2.mgr.27.gr.,ogumskipulagogsetningureglnaumstarfsemi   bankans.SkalseWlabankastj;riboWatilfundarYegaraWminnstakostitveirvaraseWlabanka  X stj;rar;skaeftirYv.Fundurinnerlyktunarhfurefmeirihlutibankastj;rasiturhann.Afl K #  atkvWarWurrslitumviWafgreiWslumla.FalliatkvWijafntrWuratkvWiseWla    bankastj;ra.HaldaskalfundargerWirumfundiseWlabankastj;raogvaraseWlabankastj;raYar    semsameiginlegarkvarWanirYeirraskuluskrWar.     4.gr. B  Skipunoghfni.      RWherraskiparseWlabankastj;ratilfimmrasenn.RWherraskipareinnigYrjvara   seWlabankastj;ratilfimmrasenn.EinnvaraseWlabankastj;rinnleiWirmlefnisemvarWa {  peningastefnu,annarmlefnisemvarWafjrmlastWugleikaogsYriWjimlefnisemvarWa nF fjrmlaeftirlit.SkuluvaraseWlabankastj;rifjrmlastWugleikaogvaraseWlabankastj;rifjr 9 mlaeftirlitsskipaWiraWfenginnitilnefninguYessrWherrasemfermeWefnahagsmlogml  efnifjrmlamarkaWar.    SamamanneraWeinshgtaWskipaseWlabankastj;raeWavaraseWlabankastj;ratvisvar r sinnum. e=   SeWlabankastj;riogvaraseWlabankastj;ripeningastefnuskuluhafalokiWhsk;lapr;fi 0 hagfrWieWatengdumgreinumogbayfirvWtkrireynsluogYekkingufjrmlastarfsemi  ogefnahags-ogpeningamlum.VaraseWlabankastj;rifjrmlastWugleikaogvaraseWla  bankastj;rifjrmlaeftirlitsskuluhafalokiWhsk;lapr;fisemnUtiststarfiogbayfirvW i tkrireynsluogYekkingufjrmlastarfsemi. \4   SeWlabankastj;riogvaraseWlabankastj;rarskuluveralgrWaogmegaaldreihafaveriW ' sviptirforrWibisnu.XeirskuluhafagottorWsporogmegaekkitengslumviWatvinnu  reksturhafahlotiWd;mfyrirrefsiverWanverknaWsamkvmtalmennumhegningarlgumeWa  lgumumhlutaflg,einkahlutaflg,b;khald,rsreikningaeWagjaldYroteWaYeimsr `  lgumsemgildaumeftirlitsskyldaaWila. S+!   RWherraauglUsirlausembttiseWlabankastj;raogvaraseWlabankastj;rasamrmiviW " kvWilagaumrttindiogskyldurstarfsmannarkisins. #   RWherraskiparYriggjamannanefndtilaWfjallaumhfniumskjendaumembtti  $ seWlabankastj;raogvaraseWlabankastj;rapeningastefnu.SkaleinnnefndarmaWurskipaWur !W% samkvmttilnefningusamstarfsnefndarhsk;lastigsins,einnsamkvmttilnefningubanka J""& rWsSeWlabanka0slandsogeinnntilnefningarogskalhannveraformaWurnefndarinnar. #'   RWherrasemfermeWefnahagsmlogmlefnifjrmlamarkaWarskiparYriggjamanna #( nefndtilaWfjallaumhfniumskjendaumembttivaraseWlabankastj;rafjrmlastWug $ ) leikaogvaraseWlabankastj;rafjrmlaeftirlits.SkaleinnnefndarmaWurskipaWursamkvmt v%N!* tilnefningusamstarfsnefndarhsk;lastigsins,einnsamkvmttilnefningubankarWsSeWla A&"+  banka0slandsogeinnntilnefningarogskalhannveraformaWurnefndarinnar.  '",   RWherraseturreglur&   umhfinefndarmannahfnisnefndumskv.6.og7.mgr.ogum ( mlsmeWferW.'(t$    5.gr. a Launogstarfskjr. T, %  LaunseWlabankastj;ranema1.936.202kr.mnuWi.    LaunvaraseWlabankastj;ranema1.742.581kr.mnuWi.    Launskv.1.og2.mgr.skulutakabreytingum1.jlrhvert.Hagstofa0slandsreiknarog   birtirfyrir1.jnhlutfallslegabreytingumeWaltalireglulegralaunastarfsmannarkisins  X fyrirnstliWiWalmanaksr.ViWmatlaunabreytingumaflarHagstofanskUrslnaoggagna K #  semhntelurnauWsynlegoggerirjafnframteiginkjararanns;knireftirYvsemhntelurYrf    .ViWlaunaafgreiWslufyrirjluppfrirSeWlabankinnkr;nutlufjrhWtilsamrmisviW    tlurHagstofunnar.     SeWlabankastj;raogvaraseWlabankastj;rumer;heimiltaWsitjastj;rnumstofnanaog wO  atvinnufyrirtkjautanbankanseWatakaYttatvinnurekstriaWWruleytinemaslktsboWiW B  lgumeWaumsaWrWastofnuneWaatvinnufyrirtkisembankinnaWildaW.RWherra    hefurrskurWarvaldefgreiningurrsumbeitinguYessakvWis.     StarfsmennSeWlabanka0slandsmegaekkiverastj;rnendur,starfsmenn,endurskoWendur, {  lgmenneWatryggingastrWfrWingareftirlitsskyldraaWila.KveWaskalumYtttkustarfs nF mannaSeWlabankansstj;rnumstofnanaogatvinnufyrirtkjareglumumstarfsemibankans 9 semseWlabankastj;riogvaraseWlabankastj;rarsetja.    RWherraseturreglurumviWskiptiseWlabankastj;ra,varaseWlabankastj;ra,utanaWkomandi  nefndarmannapeningastefnunefnd,fjrmlastWugleikanefndogfjrmlaeftirlitsnefndog r starfsmannaviWeftirlitsskyldaaWila.XarskalmeWalannarskveWiWumtakmarkanirheim e= ildumtilaWverafjrhagslegumskuldbindingumgagnvarteftirlitsskyldumaWilumeWaeiga 0 hlutYeim.    6.gr. i KosningbankarWs. \4 .  Kj;saskalbankarWSeWlabanka0slandsaWloknumkosningumtilAlYingis.BankarW ' skipasjfulltrarkjrnirhlutbundinnikosninguafAlYingisamtjafnmrgumtilvara.  Hvorkimkj;satilsetubankarWistj;rnarmenneWastarfsmenneftirlitsskyldraaWilan  eigendurvirkraeignarhlutaeftirlitsskyldumaWilum.SamaviWumalYingismenn,vara `  YingmennogrWherra.UmboWbankarWsgildirYartilnUttbankarWhefurveriWkjriW.Lti S+! bankarWsmaWurafstrfumtekurvaramaWurstihansYartilAlYingihefurkosiWnUjan " aWalmanntillokakjrtmabilsbankarWsins. #   BankarWvelurformannogvaraformannreiginrWum.RWherrakveWurY;knun  $ bankarWssemgreidderafSeWlabankanum. !W%   7.gr. #' FundirbankarWs. #( 3  FormaWurbankarWskallarbankarWsamantilfundar.tWskalY;haldabankarWsfund $ ) YegartveirbankarWsmenn;skaYess.FundurbankarWserlyktunarhfurefmeirihluti v%N!* bankarWssiturfund.AflatkvWarWurrslitumviWafgreiWslumla.FalliatkvWijafnt A&"+  rWuratkvWiformanns.HaldaskalfundargerWirumfundibankarWs.  '",   BankarWseturs&   rstarfsreglurYarsemnnarerkveWiWumframkvmdstarfaYess. ( BankarWierheimilt'(5ԀaWveitaformanniYessumboWtilaWrWaeinstkummlumtillykta.X  geturbankarWskipaWundirnefndreiginrWumtilaWundirbamlfyriralmennafundi  Yess. a   SeWlabankastj;risiturfundibankarWsoghefurYartillgurttogtekurYttumrWum. T, HannskalY;vkjaaffundiefbankarWkveWur.    InnriendurskoWandihefurrtttilsetufundumbankarWsogskalhannupplUsabanka  rWiWreglulegaumstrfsn.     8.gr. K #  HlutverkbankarWs.    8  BankarWhefureftirlitmeWYvaWSeWlabanki0slandsstarfisamrmiviWlgsemum    starfseminagilda.EftirlitbankarWstekurY;ekkitilmlsmeWferWareWakvarWanaein   stkummlum.AWWruleytiskalbankarWsrstaklegasinnaeftirtldumverkefnum: wO   (g00_ikmo"i0J"  i0J2;2g  a  .3  Ԉ0    StaWfestatillgurseWlabankastj;raogvaraseWlabankastj;raaWskipulagibankans.i0J2;_;݌B  Ќ  "i0J"  i0Jr<2g  b  .3  Ԉ0    kveWalaunogstarfskjrfulltrapeningastefnunefnd,fjrmlastWugleikanefndog    fjrmlaeftirlitsnefnd.i0Jr<<݌  Ќ  "i0J"  i0J=2g  c  .3  Ԉ0    Hafaumsj;nmeWinnriendurskoWunviWbankannogrWainnriendurskoWanda.i0J=>݌{  Ќ  "i0J"  i0J?2g  d  .3  Ԉ0    StaWfestakjarasamningaviWstarfsmennbankans,fjallaumreglurumlfeyrissj;WYeirra nF ogstaWfestaskipunfulltrastj;rnhansYegarsvoberundir.i0J?fnuWoglntengderlendumgjaldmiWlum.SeWla a bankanumereinnigheimiltaWleggjadagsektirYaWilasemvanrkjaaWveitabankanum T, upplUsingar,semhannrttsamkvmtlgumYessum,eWaveitabankanumvsvitandi  rangarupplUsingar.GreiWastdagsektirnarYangaWtilfariWhefurveriWaWkrfumSeWlabank  ans.DagsektirnargetanumiWfr10.000kr.til1millj.kr.dag.ViWkvrWunumfjrhW   dagsektaerheimiltaWtakatillittileWlisbrotsogfjrhagslegsstyrkleikaviWkomandiaWila.  X   SmlhfWaWtil;gildingarkvrWunarskv.1.mgr.innan14dagafrYvaWviWkomandi K #  aWilavartilkynntumhanaog;skihannjafnframteftiraWmliWhlj;tiflUtimeWferWerekki    heimiltaWinnheimtadagsektirfyrrend;murhefurfalliW.XrttfyrirmlshfWuntil;gild    ingarkvrWunarskv.1.mgr.leggjastdagsektirframviWkomandiaWila.     :innheimtardagsektirfallaekkiniWurY;ttaWilarverWisWarviWkrfumSeWlabankans wO  nemaSeWlabankinnkveWiYaWsrstaklega. B    kvarWanirumdagsektirsamkvmtYessarigreineruaWfararhfar.      Innheimtardagsektirrennarkissj;WaWfrdregnumkostnaWiviWinnheimtuna.     HeimilteraWkveWannarumkvrWunoginnheimtudagsektareglugerW. {    44.gr. 9 ViWurlg.  m  FyrirbrotlgumYessumskalrefsaWmeWsektumeWafangelsialltaWeinuriliggiekki  YyngrirefsingviWbrotisamkvmtWrumlgum.Tilraunoghlutdeildbrotumlgum r YessumerrefsiverWeftirYvsemsegiralmennumhegningarlgum. e=   GeramlgaWilasektfyrirbrotlgumYessum;hWYvhvortskersnnuWtiltekinn 0 fyrirsvarsmanneWastarfsmannlgaWilanseWaannanaWilasemstarfarhansvegum.    45.gr. i ReglugerWirogreglurbankans. \4 '  RWherragetur,aWfenginniumsgnSeWlabanka0slands,settmeWreglugerWnnarikvWi ' umframkvmdeinstakrakvWalagaYessara.    SeWlabanka0slandserheimiltaWsetjareglurumviWfangsefnisnsamkvmtlgumYess  um.SeWlabankinnbirtirreglursemhannsetursamkvmtlgumYessumYannigaWYrsu `  aWgengilegaralmenningi. S+!   46.gr. # Gildistaka.  $   LgYessiWlastgildi1.janar2020.FrsamatmafallargildilgumSeWlabanka !W% 0slands,nr.36/2001,meWsWaribreytingum.ViWgildistkuYessaralagaflytjastllverkefni J""& FjrmlaeftirlitsinstilSeWlabanka0slands. #'    kvWitilbrWabirgWa. $ ) I.  v%N!* J   XrttfyrirkvWi46.gr.errWherraheimiltaWauglUsaogskipavaraseWlabankastj;ra A&"+ fyrir1.janar2020.XerrWherraheimiltfyrir1.janar2020aWskipaverkefnisstj;rntil  '", aWundirbagildistkuYessaralaga.0verkefnisstj;rninniskulueigastieinnfulltri '#- rWherrasemfermeWmlefniSeWlabanka0slands,einnfulltrirWherrasemfermeWmlefni ( fjrmlamarkaWa,einnfulltriSeWlabanka0slandsogeinnfulltriFjrmlaeftirlitsins.     II.  a 9   SeWlabankastj;riskalviWgildistkulagaYessarahaldaembttisnutillokaskipunartma T, sns.    EmbttiaWstoWarseWlabankastj;raverWurlagtniWurYegarlgYessiWlastgildiogerrW  herraheimiltnauglUsingaraWflytjanverandiaWstoWarseWlabankastj;ranUttembttivara   seWlabankastj;raskv.36.gr.lagaumrttindiogskyldurstarfsmannarkisins,nr.70/1996.  X LaunYeirrasemfluttireruembttivaraseWlabankastj;rasamkvmtYeirrigreinskulutaka K #  breytingum1.jlrhvertmiWaWviWYrforsendursemlUster3.mgr.5.gr.lagaYessara.       III.      XeirsemsitjabankarWiSeWlabanka0slandsviWgildistkulagaYessaraogvaramenn wO  YeirraskuluhaldaumboWisnutilseturWinuYartilnUttbankarWhefurveriWkjriWaW B  loknumnstukosningumtilAlYingis.       IV.  {  <  XeirtveirsrfrWingarsviWiefnahags-ogpeningamlasemviWgildistkulagaYessara nF sitjapeningastefnunefndgrundvelliskipunarrWherraskuluhaldaumboWitilsetunefnd 9 inniYartilskipunartmiYeirrarennurt.     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"   RWstfunrkisinsverWmtumskv.2.mlsl.1.mgr.skalsamrUmastmarkmiWumum # efnahagsleganogfjrmlaleganstWugleika.0frumvarpitilfjrlagaskalgerWgreinfyrir  $ _tlaWri_ԀmeWferWogrWstfunverWmtanna.RWherraskalhafasamrWviWSeWlabankann !W% ummathrifumYessaefnahagsleganogfjrmlaleganstWugleikaogkynnamliWfyrir J""& efnahags-ogviWskiptanefndundirbningsstigifjrlagafrumvarps. #'