2014-02-26 18:31:06 CET
2014-02-26 18:32:08 CET
REGULATED INFORMATION
Tryggingamiðstöðin hf. - Ársreikningur
Hagnaður 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>
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----------------------------------------------------------------------------- <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>
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--------------------------------------------------------------------------------
----------------------------------------------------------------------------- <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>
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----------------------------------------------------------------------------- <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>
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----------------------------------------------------------------------------- <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>
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--------------------------------------------------------------------------------
----------------------------------------------------------------------------- <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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