{"id":1993,"date":"2010-02-26T18:26:02","date_gmt":"2010-02-26T23:26:02","guid":{"rendered":"https:\/\/ispeculate.wpmudev.host\/main\/?p=1993"},"modified":"2010-02-26T18:26:02","modified_gmt":"2010-02-26T23:26:02","slug":"nokkrar-st%c3%a6r%c3%b0ir-ur-excel-inu-minu","status":"publish","type":"post","link":"https:\/\/ispeculate.net\/writings\/2010\/02\/26\/nokkrar-st%c3%a6r%c3%b0ir-ur-excel-inu-minu\/","title":{"rendered":"Nokkrar st\u00e6r\u00f0ir \u00far Excel-inu m\u00ednu"},"content":{"rendered":"

\u00dear sem \u00e9g fer \u00e1 morgun til a\u00f0 grei\u00f0a utankj\u00f6rsta\u00f0a um Icesave l\u00f6gin, \u00e1kva\u00f0 \u00e9g \u00ed g\u00e6r a\u00f0 finna til nokkrar t\u00f6lur sem setja Icesave skuldina \u00ed samhengi vi\u00f0 hrunkostna\u00f0 r\u00edkisins.
\nH\u00e9r er \u00fev\u00ed upptalning \u00e1 helstu beinu kostna\u00f0arli\u00f0um r\u00edkisins vegna hrunsins, \u00e9g \u00e1tta mig \u00e1 a\u00f0 \u00ed einhverjum tilfellum er um fj\u00e1rfestingu \u00e1 hlutaf\u00e9 e\u00f0a r\u00e6\u00f0a og \u00ed \u00f6\u00f0rum um v\u00edkjandi l\u00e1n a\u00f0 r\u00e6\u00f0a. En mi\u00f0a\u00f0 vi\u00f0 reynslu \u00cdslendinga af bankarekstri geri \u00e9g r\u00e1\u00f0 fyrir a\u00f0 \u00feessar upph\u00e6\u00f0ir skili s\u00e9r ekki til baka. Ef \u00fea\u00f0 hins vegar gerist, hl\u00fdtur \u00fea\u00f0 a\u00f0 teljast \u00f3v\u00e6ntur pl\u00fas. Vissulega vantar eitthva\u00f0 \u00e1 listann og er f\u00f3lki velkomi\u00f0 a\u00f0 benda \u00e1 \u00fea\u00f0 \u00ed athugasemdum.<\/p>\n

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    \n
  1. Fall Se\u00f0labanka \u00cdslands – 345,0 milljar\u00f0ar<\/li>\n
  2. Hlutur r\u00edkisins \u00ed L\u00cd (81%) – 122,0 milljar\u00f0ar<\/li>\n
  3. Hlutur r\u00edkisins \u00ed \u00cdsl.banka (5%) \u00a0– 3,3 milljar\u00f0ar<\/li>\n
  4. V\u00edkjandi l\u00e1n til \u00cdsl.banka – 25,0 milljar\u00f0ar<\/li>\n
  5. Redding vegna Sj\u00f3v\u00e1 – 11,6 milljar\u00f0ar<\/li>\n
  6. Hlutur r\u00edkisins \u00ed Arion (13%) – 9,4 milljar\u00f0ar<\/li>\n
  7. V\u00edkjandi l\u00e1n til Ar\u00edon – 24,0 milljar\u00f0ar<\/li>\n
  8. Endurreisn BYR \u00a0– 10,7 milljar\u00f0ar (\u00f3sta\u00f0fest)<\/li>\n
  9. Endurreisn SpKEF – 5,0 milljar\u00f0ar (\u00f3sta\u00f0fest)<\/li>\n
  10. Endurreisn annarra sparisj. – 5,0 milljar\u00f0ar (\u00f3sta\u00f0fest)<\/li>\n
  11. L\u00e1n til VBS og Saga Capital – 46,0 milljar\u00f0ar<\/li>\n
  12. Icesave kostna\u00f0ur – 320 milljar\u00f0ar*<\/li>\n
  13. Hallarekstur r\u00edkissj\u00f3\u00f0s \u00e1 fj\u00e1rl\u00f6gum 2010 – 100 milljar\u00f0ar.<\/li>\n<\/ol>\n<\/blockquote>\n

    Alls gerir \u00feetta 1026,9 milljar\u00f0a kr\u00f3na sem r\u00edki\u00f0 hefur n\u00fa \u00feegar teki\u00f0 \u00e1 sig mestmegnis vegna fj\u00e1rgl\u00e6framanna og bankahruns. \u00c9g var a\u00f0 hugsa um hvort \u00e9g g\u00e6ti sko\u00f0a\u00f0 hva\u00f0a fj\u00e1rgl\u00e6frablokkir hef\u00f0u reynst okkur d\u00fdrastar, en \u00fea\u00f0 er hins vegar mj\u00f6g fl\u00f3ki\u00f0 \u00fear sem Se\u00f0labankafalli\u00f0 snertir a\u00f0 sj\u00e1lfs\u00f6g\u00f0u allt bankakerfi\u00f0 og mj\u00f6g erfitt a\u00f0 greina svo a\u00f0 gagni megi koma \u00ed sundur hver f\u00e9kk peninga hvar. Hins vegar er h\u00e6gt a\u00f0 setja upp lista yfir \u00e1byrg\u00f0ara\u00f0ila mismunandi \u00fe\u00e1tta. \u00dear koma sumar upph\u00e6\u00f0ir fram oftar en einu sinni. Sl\u00edkur listi liti \u00fat eitthva\u00f0 \u00e1 \u00feessa lei\u00f0.<\/p>\n

    \n
      \n
    1. R\u00e1\u00f0herra bankam\u00e1la og fj\u00e1rm\u00e1laeftirliti\u00f0 – 581,9 milljar\u00f0ar (li\u00f0ir 2-12)<\/li>\n
    2. Stj\u00f3rn og yfirmenn Landsbankans \u00a0– 442 milljar\u00f0ar (li\u00f0ir 2 og 12)<\/li>\n
    3. Stj\u00f3rn Se\u00f0labankans – 345 milljar\u00f0ar (li\u00f0ur 1)<\/li>\n
    4. N\u00faverandi r\u00edkisstj\u00f3rn – 146 milljar\u00f0ar (li\u00f0ir 11 og 13)<\/li>\n<\/ol>\n<\/blockquote>\n

      Au\u00f0vita\u00f0 eru til einstaklingar sem telja Icesave \u00e1 \u00e1byrg\u00f0 n\u00faverandi r\u00edkisstj\u00f3rnar. Me\u00f0 \u00fev\u00ed m\u00f3ti v\u00e6ri h\u00e6gt a\u00f0 koma n\u00faverandi r\u00edkisstj\u00f3rn \u00ed anna\u00f0 s\u00e6ti\u00f0, en \u00e9g pers\u00f3nulega tel a\u00f0 \u00fea\u00f0 s\u00e9 fremur langs\u00f3tt. Eins v\u00e6ri h\u00e6gt a\u00f0 st\u00edga til baka \u00ed s\u00f6gunni og horfa til einkav\u00e6\u00f0ingar bankanna og full \u00e1st\u00e6\u00f0a til \u00feess svo sem, en h\u00e9r er einv\u00f6r\u00f0ungu liti\u00f0 til \u00e1kvar\u00f0anat\u00f6ku fr\u00e1 2006 til dagsins \u00ed dag.
      \n\u00dea\u00f0 er r\u00e9tt a\u00f0 taka fram a\u00f0 h\u00e9r er einungis um a\u00f0 r\u00e6\u00f0a \u00e1byrg\u00f0ara\u00f0ila \u00e1 einst\u00f6kum \u00fe\u00e1ttum. Fj\u00e1rgl\u00e6framenn sem fengu banka og sparisj\u00f3\u00f0i \u00ed li\u00f0 me\u00f0 s\u00e9r og n\u00e1\u00f0u a\u00f0 ey\u00f0a millj\u00f6r\u00f0unum, sem r\u00edki\u00f0 \u00fearf n\u00fa a\u00f0 leggja \u00fat fyrir eru verkefni annarrar f\u00e6rslu og meiri vinnu. Eins er r\u00e9tt a\u00f0 taka fram a\u00f0 h\u00e9r sko\u00f0a \u00e9g einv\u00f6r\u00f0ungu upph\u00e6\u00f0ir sem f\u00e9llu \u00e1 \u00edslensk stj\u00f3rnv\u00f6ld. Nokkur \u00fe\u00fasund milljar\u00f0ar f\u00e9llu \u00e1 erlendar l\u00e1nastofnanir, erlenda Se\u00f0labanka og erlenda \u00e1h\u00e6ttufj\u00e1rfesta, sem \u00ed einhverjum skilningi h\u00f6f\u00f0u treyst \u00e1 fj\u00e1rm\u00e1laeftirliti\u00f0 \u00e1 \u00cdslandi.
      \nEn hva\u00f0 um hva\u00f0 um \u00fea\u00f0, h\u00e9r er einv\u00f6r\u00f0ungu um \u00feanka eins einstaklings a\u00f0 r\u00e6\u00f0a. En \u00fear sem \u00e9g var a\u00f0 velta \u00feessu fyrir m\u00e9r \u00ed g\u00e6rkv\u00f6ldi fannst m\u00e9r \u00e1st\u00e6\u00f0a til a\u00f0 kasta \u00feessu fram.
      \n—
      \n* Upph\u00e6\u00f0in vegna Icesave er bygg\u00f0 \u00e1 opinberum g\u00f6gnum, reikningum \u00de\u00f3r\u00f3lfs Matth\u00edassonar og vefs\u00ed\u00f0u Indefence. \u00c9g lag\u00f0i sj\u00e1lfst\u00e6tt mat \u00e1 nokkra \u00fe\u00e6tti m\u00e1lsins, setti g\u00f6gnin upp \u00ed Excel, ger\u00f0i r\u00e1\u00f0 fyrir 5,5% v\u00f6xtum, 88% endurheimtum og a\u00f0 jafna\u00f0i 2,5% ver\u00f0b\u00f3lgu \u00e1 \u00e1ri \u00ed Bretlandi fram til \u00e1rsins 2016. \u00deetta er au\u00f0vita\u00f0 slembitala eins og allt anna\u00f0, en \u00e9g efast um a\u00f0 skekkjan s\u00e9 meiri en 15%-20%.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"

      \u00dear sem \u00e9g fer \u00e1 morgun til a\u00f0 grei\u00f0a utankj\u00f6rsta\u00f0a um Icesave l\u00f6gin, \u00e1kva\u00f0 \u00e9g \u00ed g\u00e6r a\u00f0 finna til nokkrar t\u00f6lur sem setja Icesave skuldina \u00ed samhengi vi\u00f0 hrunkostna\u00f0 r\u00edkisins.<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"wds_primary_category":0,"footnotes":""},"categories":[2],"tags":[18,85,118],"class_list":["post-1993","post","type-post","status-publish","format-standard","hentry","category-islenska","tag-blog-is","tag-hruni","tag-politics"],"_links":{"self":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/1993","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/comments?post=1993"}],"version-history":[{"count":0,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/posts\/1993\/revisions"}],"wp:attachment":[{"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/media?parent=1993"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/categories?post=1993"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/ispeculate.net\/writings\/wp-json\/wp\/v2\/tags?post=1993"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}