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2014-02-26 18:31:06 CET 2014-02-26 18:32:08 CET REGULATED INFORMATION Tryggingamiðstöðin hf. - ÁrsreikningurHagnaður TM 2013 nam 2,1 milljörðum króna.<span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Á stjórnarfundi þann 26. febrúar 2014, samþykkti stjórn og forstjóri TM ársreikning félagsins fyrir árið 2013.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Helstu tölur TM 2013:</span></span><span style="font-size:11pt;"></span><ul><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">H</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">eildarhagnaður ársins eftir skatta var 2.078 m.kr. og hagnaður á hlut 2,73 kr. (2012: 2.638 m.kr. og 2,60 kr.)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Hagnaður fyrir skatta var 2.269 m.kr. (2012: 3.006 m.kr.)</span></span></li><li><span style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;">Framlegð af vátryggingastarfsemi var </span><strong style="font-size: 10pt; font-family: Arial, Helvetica, sans-serif;">547 m.kr.<span style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;"> (</span><em style="font-size: 10pt; font-family: Arial, Helvetica, sans-serif;">2012: 890 m.kr.<span style="font-size:10pt;font-family:Arial, Helvetica, sans-serif;">)</span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Fjárfestingatekjur voru 2.094 m.kr. (2012: 2.121 m.kr.)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Samsett hlutfall var 95,2% (2012: 88,5%)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Eigin iðgjöld hækkuðu um 6% á milli ára og voru 11.535 m.kr. (2012:10.883 m.kr.)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Eigin tjón hækkuðu um 14% á milli ára og voru 8.422 m.kr. (2012: 7.368)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Eigið tjónshlutfall var 73,0% (2012: 67,5%)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Kostnaðarhlutfall var 22,2% (2012: 21,0%)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Eigið fé var í lok árs 12.308 m.kr og eiginfjárhlutfall 40,3% (2012: 37,3%)</span></span></li><li><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Arðsemi eigin fjár ársins var 18,4% (2012: 23,5% )</span></span><span style="font-size:11pt;"></span></li></ul><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Sigurður Viðarsson, forstjóri TM:</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">„Eftir einstaklega góðan árangur á árinu 2012 var rekstur félagsins á síðasta ári í ágætu jafnvægi. Í kjölfar hækkunar á mati S&P á fjárhagslegum styrkleika TM, opnuðust alþjóðlegir vátryggingamarkaðir félaginu að nýju og frá þeim tíma hefur verið unnið markvisst að því að styrkja grundvöll til frekari vaxtar.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Hagnaður samstæðunnar fyrir skatta er um 2% lægri en áætlanir gerðu ráð fyrir en á því eru tvær megin skýringar. Tvö stór skipatjón urðu á þriðja fjórðungi ársins sem höfðu þau áhrif að eigin tjónakostnaður félagsins var um 200 millj. kr. hærri en áætlað var. Iðgjöld vegna slysatrygginga sjómanna voru rúmlega 150 millj. kr. lægri en ráð var fyrir gert á árinu en þau fylgja þróun aflaverðmætis sem dróst saman um rúm 5% milli ára. Áætlanir TM höfðu gert ráð fyrir því að áhrifa af samdrætti í aflaverðmæti gætti í iðgjöldum tímabilsins, en ekki í jafn miklum mæli og raun varð.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Afkoma annarra greinaflokka en skipa- og slysatrygginga er í takti við áætlun. Kostnaðarhlutfall hækkar vegna einskiptiskostnaðar við skráningu félagsins en sá kostnaður nam um 95 millj. kr. Að auki var umboðs- og launakostnaður hærri en ráð var fyrir gert, bæði vegna aukinnar sölu en einnig vegna kostnaðar við skipulagsbreytingar.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Afkoma af fjárfestingastarfsemi á árinu 2013 var góð. Þrátt fyrir krefjandi markaðsaðstæður og neikvæðan gjaldeyrismun af eignum í erlendri mynt sem nam rúmum 500 m.kr., var afkoman talsvert yfir áætlun.“</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Sterk fjárhagsstaða</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Heildareignir TM í árslok 2014 voru 30.544 m.kr. og skuldir 18.236 m. kr. Um 31% fjárfestingaeigna TM eru í ríkisskuldabréfum og handbæru fé og var hlutfall auðseljanlegra eigna 62% sem gerir félagið afar vel í stakk búið til að mæta skuldbindingum sínum. Gjaldþol í lok árs 2013 að teknu tilliti til arðgreiðslu var 10.639 m.kr. sem er tæplega 3,9 sinnum lögbundið lágmarksgjaldþol.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Stjórn TM leggur til 1.454 m.kr. arðgreiðslu á árinu 2014 eða sem nemur 70% hagnaðar eftir skatta. Arðgreiðslan nemur 1,91 kr. á hvern hlut.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Að auki leggur stjórn TM til að allt að 600 m.kr. verði varið til kaupa á eign bréfum eða sem samsvarar um 30% af hagnaði ársins 2013. Ítarleg endurkaupaáætlun verður lögð fyrir á aðalfundi félagsins þann 20.mars n.k. </span></span><span <span style="font-family:Arial, <span style="font-family:Arial, style Helvetica, sans-serif;"><span Helvetica, sans-serif;"><span ="font style="font-size:8pt;">2013</span> style="font-size:8pt;">2012</span> -famil </span></span> y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Helstu kenni tölur félag sins eru eftir farand i:</sp an></s pan><span <span style="font-family:Arial, <span style="font-family:Arial, style Helvetica, sans-serif;"><span Helvetica, sans-serif;"><span ="font style="font-size:8pt;">73,0%</span style="font-size:8pt;">67,4%</span -famil ></span>></span> y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eigið tjóns hlutfa ll </spa n></sp an><span <span style="font-family:Arial, <span style="font-family:Arial, style Helvetica, sans-serif;"><span Helvetica, sans-serif;"><span ="font style="font-size:8pt;">22,2%</span style="font-size:8pt;">21,0%</span -famil ></span>></span> y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Kostna ðarhlu tfall vátry gginga starfs emi </spa n></sp an><span <span style="font-family:Arial, <span style="font-family:Arial, style Helvetica, sans-serif;"><span Helvetica, sans-serif;"><span ="font style="font-size:8pt;">95,2%</span style="font-size:8pt;">88,5%</span -famil ></span>></span> y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Samset t hlutf all (eigi ð tjóns hlutfa ll+kos tnaðar hlutfa ll ) </spa n></sp an><span <span style="font-family:Arial, <span style="font-family:Arial, style Helvetica, sans-serif;"><span Helvetica, sans-serif;"><span ="font style="font-size:8pt;">40,3%</span style="font-size:8pt;">37,3%</span -famil ></span>></span> y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eiginf járhlu tfall </spa n></sp an><span style="font-size:11pt;"></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Rekstraráætlun 2014</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Í áætlun félagsins fyrir árið 2014 er gert er ráð fyrir að hagnaður fyrir skatta verði 2.641 m.kr. Hagnaður félagsins er ekki jafnskiptur yfir árið vegna árstíðasveiflu en almennt er meira um tjón yfir vetrarmánuðina en yfir sumarmánuðina.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">Áætlun </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">Uppgjör </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">Breyting</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2014 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2013 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">∆%</span></span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">11.934.559 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">11.534.766 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">3% </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eigin iðgjö ld</sp an></s pan><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.984.085 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.093.785 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 5% )</span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Fjármu natekj ur</sp an></s pan><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">104.208 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">112.690 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 8% )</span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Aðrar tekju r</spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">14.022.852 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">13.741.241 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2% </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Heilda rtekju r</spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 8.433.134)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 8.422.494)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">0% </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eigin tjón< /span></span ><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 2.948.553)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 3.049.706)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 3% )</span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Annar kostn aður</ span>< /span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 11.381.687)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 11.472.200)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 1% )</span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Heilda rgjöld </span ></spa n><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.641.165 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.269.041 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">16% </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Hagnað ur fyrir tekju skatt< /span></span ><ul><li><span style="font-size:10pt;"></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Framlegð af vátryggingastarfssemi er áætluð 1.013 m.kr.</span></span></li><li><span style="font-size:10pt;"></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Fjárfestingatekjur eru áætlaðar 1.984 m. kr. en áætlun um afkomu fjárfestinga byggir á langtímaviðmiðum einstakra fjárfestingaflokka.</span></span></li><li><span style="font-size:10pt;"></span><span style="font-size:11pt;font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Eigin iðgjöld eru áætluð 11.935 m.kr. en gert er ráð fyrir að iðgjaldavöxtur verði í takti við verðbólguspá og iðgjöld vegna endurtrygginga standi í stað.</span></span></li><li><span style="font-size:10pt;"></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Reiknað er með því að eigin tjónakostnaður verði svipaður og á síðasta ári eða 8.433 m.kr. Mest óvissa ríkir um þennan stærsta einstaka kostnaðarlið félagsins.</span></span></li><li><span style="font-size:10pt;"></span><span style="font-size:11pt;font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Áætlað er að kostnaðarhlutfall verði 20,9.%</span></span></li><li><span style="font-size:10pt;"></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Samsett hlutfall er áætlað 91,5% á árinu 2014.</span></span></li></ul><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Kynningarfundur</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">TM býður til opins kynningarfundar um afkomu félagsins 2013, þann 27. febrúar kl. 8:30. Fundurinn fer fram í höfuðstöðvum TM að Síðumúla 24, 4. hæð. Þar mun Sigurður Viðarsson forstjóri kynna uppgjörið og áætlun félagsins fyrir árið 2014.</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Nánari upplýsingar</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Sigurður Viðarsson, forstjóri </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">s: 515-2609</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">sigurdur@tm.is</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Rekstrarraeikningur og yfirlit um heildarafkomu ársins 2013</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2013 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2012 </span></span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">12.252.399 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">11.564.876 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Iðgjöl d ársins </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 717.633)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 682.231)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hluti endurtryg gjenda í iðgjaldat ekjum </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">11.534.766 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">10.882.645 </span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">E igin iðgjöl d</spa n></sp an> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.093.785 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.120.766 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Fjármu natekjur </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">112.690 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">91.074 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Aðrar tekjur </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">13.741.241 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">13.094.485 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Heilda rtekjur </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 8.872.535)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 7.583.711)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Tjónak ostnaður </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">450.041 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">215.397 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hluti endurtryg gjenda í tjónakost naði </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 8.422.494)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 7.368.314)</span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">E igin tjón</ span>< /span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 2.947.065)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 2.613.383)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Rekstr arkostnaðu r </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 75.700)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 78.959)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Vaxtag jöld </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 26.941)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 27.469)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Virðis rýrnun fjáreigna </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 11.472.200)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 10.088.125)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Heilda rgjöld</sp an></span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.269.041 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">3.006.360 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hagnað ur fyrir tekjuskat t </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 191.265)</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">( 368.503)</span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Tekjus kattur </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.077.776 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.637.857 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hagnað ur og heildarha gnaður ársins</s pan></span > -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Skipti ng hagnaðar< /span></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.077.718 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.637.763 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hlutha far móðurféla gs </span></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">58 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">94 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hlutde ild minnihlut a </span></ span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.077.776 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.637.857 </span></span> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- ----------------------------------------------------------------------------- <span style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Hagnað ur á hlut</spa n></span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2,73 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2,60 </span></span> style="fo nt-family: Arial, Helvetica , sans-seri f;"><span style="fo nt-size:8p t;">Grunnh agnaður og þynntur hagnaður á hlut </span></ span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:10pt;">Efnahagsreikningur 31. desember 2013</span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2013 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2012 </span></span><span style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eignir </span ></spa n><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">468.096 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">496.303 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Rekstr arfjár munir </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">213.791 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">183.362 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Viðski ptavil d og óefni slegar eigni r </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">326.719 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">0 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Bundin innlá n </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.576.490 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.841.727 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Útlán </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">18.516.909 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">14.390.337 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Verðbr éf </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">132.354 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">128.798 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Skatte ign </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.029.249 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.030.361 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eignir til sölu </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">263.906 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">260.769 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Endurt ryggin gaeign ir </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">3.165.746 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">3.237.578 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Viðski ptakrö fur </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">3.850.283 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">4.842.534 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Handbæ rt fé </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">30.543.543 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">27.411.769 </span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">E ignir samtal s </span ></spa n> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- <span style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eigið fé</s pan></ span><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">760.394 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">760.394 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Hlutaf é </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.230.479 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">2.230.479 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Yfirve rðsrei kningu r hluta fjár </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">270.710 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">270.710 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Lögbun dinn varas jóður </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">9.046.111 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">6.968.393 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Óráðst afað eigið fé </spa n></sp an> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">12.307.694 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">10.229.976 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Eigið fé hluth afa móður félags </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">240 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.422 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Hlutde ild minni hluta </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">12.307.934 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">10.231.398 </span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">E igið fé samtal s </span ></spa n> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- <span style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Skuldi r </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">16.346.529 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">15.249.870 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Vátryg gingas kuld </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">863.075 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">841.302 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Skuldi r vegna eigna sem haldi ð er til sölu </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.026.005 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">1.089.199 </span></span> style ="font -famil y:Aria l, Helve tica, sans- serif; "><spa n style ="font -size: 8pt;"> Viðski ptasku ldir og aðrar skuld ir </spa n></sp an><span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">18.235.609 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">17.180.371 </span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">S kuldir samtal s </span ></spa n> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- <span <span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">30.543.543 </span></span><span style="font-family:Arial, Helvetica, sans-serif;"><span style="font-size:8pt;">27.411.769 </span></span> style= "font- family :Arial , Helvet ica, sans-s erif;"><span style= "font- size:8 pt;">E igið fé og skuldi r samtal s</spa n></sp an> -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- --------------------------------------------------------------- |
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