{"id":5201,"date":"2023-06-24T15:49:43","date_gmt":"2023-06-24T15:49:43","guid":{"rendered":"https:\/\/uni.hi.is\/eirikur\/?p=5201"},"modified":"2023-06-28T09:56:38","modified_gmt":"2023-06-28T09:56:38","slug":"vidtol-vid-bankastjora-ordraedugreind","status":"publish","type":"post","link":"https:\/\/uni.hi.is\/eirikur\/2023\/06\/24\/vidtol-vid-bankastjora-ordraedugreind\/","title":{"rendered":"\u00dea\u00f0 sem bankastj\u00f3rinn meinti"},"content":{"rendered":"<p>\u00dea\u00f0 er athyglisvert a\u00f0 stj\u00f3rnandi fyrirt\u00e6kis sem \u00fearf a\u00f0 grei\u00f0a 1200 millj\u00f3nir \u00ed sekt vegna brota \u00e1 l\u00f6gum og reglum hefur ekki \u00edhuga\u00f0 a\u00f0 segja af s\u00e9r heldur segir bara \u201e\u00c9g n\u00fdt trausts innan stj\u00f3rnar bankans og mun gegna starfi m\u00ednu \u00e1fram\u201c \u2013 og \u00e9g sem h\u00e9lt a\u00f0 r\u00e9ttl\u00e6tingin fyrir h\u00e1um launum bankastj\u00f3ra v\u00e6ri a\u00f0 \u00feeir b\u00e6ru svo mikla \u00e1byrg\u00f0. \u00dea\u00f0 er ekki s\u00ed\u00f0ur athyglisvert a\u00f0 stj\u00f3rn \u00feessa fyrirt\u00e6kis, sem er a\u00f0 mestu leyti \u00ed eigu f\u00f3lksins \u00ed landinu, \u00fdmist gegnum r\u00edkissj\u00f3\u00f0 e\u00f0a l\u00edfeyrissj\u00f3\u00f0i \u2013 pabbi hans Bjarna \u00e1 (enn) bara l\u00edtinn hlut \u2013 skuli bera fullt traust til stj\u00f3rnanda sem kl\u00fa\u00f0rar m\u00e1lum \u00e1 \u00feann h\u00e1tt. Kannski \u00feykir kl\u00fa\u00f0ri\u00f0 l\u00e9ttv\u00e6gara af \u00fev\u00ed a\u00f0 \u00fear er ekki um a\u00f0 r\u00e6\u00f0a vonda fj\u00e1rm\u00e1lastj\u00f3rn, heldur \u201ebara\u201c brot \u00e1 l\u00f6gum og reglum.<\/p>\n<p>En \u00fea\u00f0 er \u00e1hugavert a\u00f0 lesa vi\u00f0t\u00f6l vi\u00f0 bankastj\u00f3ra \u00cdslandsbanka vegna m\u00e1lsins \u2013 anna\u00f0 eins or\u00f0asalat hefur sjaldan s\u00e9st. \u00c9g t\u00f3k nokkur gullkorn \u00far vi\u00f0t\u00f6lum \u00ed\u00a0<em><a href=\"https:\/\/heimildin.is\/grein\/18177\/birna-telur-sig-njota-trausts-til-ad-endurreisa-laskad-ordspor-bankans\/\">Heimildinni<\/a><\/em>, <em><a href=\"https:\/\/www.mbl.is\/vidskipti\/frettir\/2023\/06\/23\/birna_einarsdottir_vid_drogum_laerdom_af_thessu\/\">Morgunbla\u00f0inu<\/a><\/em>, <em><a href=\"https:\/\/www.ruv.is\/frettir\/innlent\/2023-06-23-afellisdomur-yfir-framkvaemd-solunnar-en-ekki-storfum-islandsbanka-i-heild-386143\">R\u00edkis\u00fatvarpinu<\/a><\/em> og <em><a href=\"https:\/\/www.visir.is\/g\/20232431519d\/bankastjori-ihugar-ekki-ad-segja-af-ser\">V\u00edsi\u00a0<\/a><\/em>og or\u00f0r\u00e6\u00f0ugreindi \u00feau til a\u00f0 gl\u00f6ggva mig \u00e1 \u00fev\u00ed hva\u00f0 bankastj\u00f3rinn hef\u00f0i raunverulega veri\u00f0 a\u00f0 fara.<\/p>\n<ul>\n<li>\u201eMe\u00f0 \u00fev\u00ed a\u00f0 bj\u00f3\u00f0a s\u00e1tt er fj\u00e1rm\u00e1laeftirliti\u00f0 a\u00f0 s\u00fdna stj\u00f3rn og bankastj\u00f3ra traust til \u00feess a\u00f0 innlei\u00f0a \u00fe\u00e6r breytingar sem \u00fearf. Og \u00fea\u00f0 er a\u00f0 sj\u00e1lfs\u00f6g\u00f0u mikilv\u00e6gt. Og \u00fea\u00f0 er mikilv\u00e6gt a\u00f0 okkur er bo\u00f0in s\u00e1tt.\u201c<\/li>\n<\/ul>\n<p>\u00dea\u00f0 er umdeilanlegt hversu miki\u00f0 \u201etraust\u201c felst \u00ed \u00fev\u00ed a\u00f0 sekta bankann um 1200 millj\u00f3nir, en a\u00f0alatri\u00f0i\u00f0 er a\u00f0 samkv\u00e6mt fr\u00e9ttum var \u00fea\u00f0 ekki fj\u00e1rm\u00e1laeftirliti\u00f0 sem bau\u00f0 s\u00e1tt a\u00f0 fyrra brag\u00f0i, heldur leita\u00f0i bankinn upphaflega eftir henni. \u00c1 \u00fev\u00ed er talsver\u00f0ur munur.<\/p>\n<ul>\n<li>\u201e\u00dea\u00f0 er r\u00e9tt a\u00f0 vi\u00f0urkenna a\u00f0 vi\u00f0 h\u00f6f\u00f0um ekki fylgt n\u00e6gilega vel eftir reglum um uppt\u00f6kur \u00ed s\u00edmum, sem settar h\u00f6f\u00f0u veri\u00f0 hausti\u00f0 2021 og vi\u00f0 \u00e1ttum a\u00f0 innlei\u00f0a me\u00f0 \u00f6\u00f0rum h\u00e6tti en vi\u00f0 ger\u00f0um.\u201c<\/li>\n<\/ul>\n<p>H\u00e9r merkir \u201evi\u00f0 h\u00f6f\u00f0um ekki fylgt n\u00e6gilega vel eftir reglum\u201c auglj\u00f3slega \u201evi\u00f0 hunsu\u00f0um reglurnar\u201c, og \u201evi\u00f0 \u00e1ttum a\u00f0 innlei\u00f0a me\u00f0 \u00f6\u00f0rum h\u00e6tti\u201c merkir \u201evi\u00f0 \u00e1ttum a\u00f0 fara eftir reglunum\u201c. En hitt hlj\u00f3mar vissulega betur.<\/p>\n<ul>\n<li>\u201eS\u00edmauppt\u00f6kur geta klikka\u00f0 alls sta\u00f0ar.\u201c<\/li>\n<\/ul>\n<p>Or\u00f0alagi\u00f0 \u201egeta klikka\u00f0\u201c gefur \u00ed skyn a\u00f0 um einhvers konar t\u00e6knileg vandr\u00e6\u00f0i e\u00f0a a\u00f0rar \u00f3vi\u00f0r\u00e1\u00f0anlegar a\u00f0st\u00e6\u00f0ur hafi veri\u00f0 a\u00f0 r\u00e6\u00f0a, en \u00fea\u00f0 var einfaldlega svikist um a\u00f0 taka s\u00edmt\u00f6lin upp. Og \u201egeta klikka\u00f0 alls sta\u00f0ar\u201c er \u00e6tla\u00f0 til \u00feess a\u00f0 draga \u00far \u00e1byrg\u00f0 bankans \u2013 gefa \u00ed skyn a\u00f0 \u00feetta s\u00e9 ekkert betra hj\u00e1 \u00f6\u00f0rum.<\/p>\n<ul>\n<li>\u201e\u00deetta er \u00e1fellisd\u00f3mur fyrir \u00feetta verkefni. En \u00e9g tel \u00e1h\u00e6ttumenningu bankans \u00ed heild vera sterka og kannski frekar \u00edhaldssama.\u201c \u201eEn vi\u00f0 dr\u00f6gum svo sannarlega l\u00e6rd\u00f3m af \u00feessu verkefni og f\u00f6rum af fullum \u00feunga \u00ed \u00fe\u00e6r \u00farb\u00e6tur sem \u00fearf a\u00f0 gera, til \u00feess a\u00f0 vi\u00f0 s\u00e9um \u00e1fram me\u00f0 \u00feessa g\u00f3\u00f0u og sterku \u00e1h\u00e6ttumenningu.\u201c<\/li>\n<\/ul>\n<p>Ekki ver\u00f0ur s\u00e9\u00f0 hva\u00f0 \u201e\u00e1h\u00e6ttumenning\u201c bankans kemur \u00feessu m\u00e1li vi\u00f0 \u2013 \u00feetta m\u00e1l sn\u00fdst ekkert um hana, heldur er h\u00fan dregin \u00fearna inn til a\u00f0 drepa m\u00e1linu \u00e1 dreif. \u00deess vegna koma \u00farb\u00e6tur \u00e1 henni m\u00e1linu ekki heldur vi\u00f0.<\/p>\n<ul>\n<li>\u201e\u00dea\u00f0 er veri\u00f0 a\u00f0 tala um hagsmuna\u00e1rekstramat sem bankinn hef\u00f0i geta\u00f0 gert \u00edtarlegra, sem l\u00edklega hef\u00f0i leitt til \u00feess a\u00f0 starfsmenn hef\u00f0u ekki keypt e\u00f0a vi\u00f0skipti starfsmanna hef\u00f0u ekki veri\u00f0 leyf\u00f0.\u201c<\/li>\n<\/ul>\n<p>H\u00e9r merkir \u201esem bankinn hef\u00f0i geta\u00f0 gert \u00edtarlegra\u201c auglj\u00f3slega \u201esem bankinn hef\u00f0i \u00e1tt a\u00f0 gera\u201c, og\u00a0 \u00ed \u201el\u00edklega hef\u00f0i leitt til \u00feess\u201c er \u201el\u00edklega\u201c ofauki\u00f0.<\/p>\n<ul>\n<li>\u201eVi\u00f0 h\u00f6fum fr\u00e1 \u00fev\u00ed a\u00f0 \u00feetta \u00e1tti s\u00e9r sta\u00f0 gert breytingar \u00e1 verklagi bankans og dregi\u00f0 mikinn l\u00e6rd\u00f3m af \u00feessu m\u00e1li.\u201c<\/li>\n<\/ul>\n<p>H\u00e9r merkir \u201evi\u00f0 h\u00f6fum [\u2026] gert breytingar \u00e1 verklagi bankans\u201c greinilega \u201evi\u00f0 ney\u00f0umst til a\u00f0 fylgja l\u00f6gum og reglum\u201c, og \u201edregi\u00f0 mikinn l\u00e6rd\u00f3m af \u00feessu m\u00e1li\u201c merkir \u201e\u00e6tlum ekki a\u00f0 l\u00e1ta nappa okkur n\u00e6st\u201c.<\/p>\n<ul>\n<li>\u201e\u00dea\u00f0 var lj\u00f3st a\u00f0 t\u00edmafresturinn til a\u00f0 standa a\u00f0 s\u00f6lunni \u00ed mars \u00ed fyrra var knappur og \u00fea\u00f0 sk\u00fdrir hluta af \u00fev\u00ed sem f\u00f3r \u00farskei\u00f0is \u00ed verklagi bankans. \u00dea\u00f0 segi \u00e9g \u00fe\u00f3 ekki til a\u00f0 v\u00edkja m\u00e9r undan \u00e1byrg\u00f0 [\u2026]\u201c<\/li>\n<\/ul>\n<p>Tilgangurinn me\u00f0 \u00fev\u00ed a\u00f0 nefna knappan t\u00edmafrest er au\u00f0vita\u00f0 einmitt s\u00e1 a\u00f0 draga \u00far eigin \u00e1byrg\u00f0 \u2013 annars v\u00e6ri \u00e1st\u00e6\u00f0ulaust a\u00f0 nefna hann. \u00deetta er d\u00e6miger\u00f0 a\u00f0fer\u00f0 til a\u00f0 afvegalei\u00f0a umr\u00e6\u00f0una.<\/p>\n<ul>\n<li>\u201e\u00dea\u00f0 er alveg lj\u00f3st a\u00f0 \u00ed \u00feessu tilgreinda m\u00e1li var\u00f0 misbrestur \u00e1 starfsemi bankans.\u201c \u201eVi\u00f0 hef\u00f0um vilja\u00f0 a\u00f0 \u00feetta verkefni hef\u00f0i veri\u00f0 gert me\u00f0 \u00f6\u00f0rum h\u00e6tti.\u201c \u201eVi\u00f0 ger\u00f0um bara mist\u00f6k \u00ed innlei\u00f0ingunni, og vi\u00f0 fylgdum \u00fe\u00e1 ekki innlei\u00f0ingunni heldur n\u00e6gilega vel eftir og \u00feess vegna ur\u00f0u \u00feessi mist\u00f6k.\u201c<\/li>\n<\/ul>\n<p>Merkingin \u00ed \u201evar\u00f0 misbrestur \u00e1 starfi bankans\u201c er \u201evoru l\u00f6g brotin \u00ed starfsemi bankans.\u201c \u201eVi\u00f0 hef\u00f0um vilja\u00f0 a\u00f0 \u00feetta verkefni hef\u00f0i veri\u00f0 gert me\u00f0 \u00f6\u00f0rum h\u00e6tti\u201c merkir \u201eVi\u00f0 hef\u00f0um \u00e1tt a\u00f0 fylgja l\u00f6gum og reglum.\u201c Or\u00f0i\u00f0 \u201emist\u00f6k\u201c er h\u00e9r skrauthv\u00f6rf fyrir \u201el\u00f6gbrot\u201c. \u201eVi\u00f0 ger\u00f0um bara mist\u00f6k\u201c merkir \u201eVi\u00f0 brutum l\u00f6g og reglur.\u201c<\/p>\n<ul>\n<li>Spurningunni \u201eHafi\u00f0 \u00fei\u00f0 kanna\u00f0 hvort einhverjir starfsmenn bankans hafi hagnast umfram \u00fea\u00f0 sem e\u00f0lilegt getur talist vegna \u00feess a\u00f0 reglum var ekki fylgt?\u201c svarar bankastj\u00f3rinn \u201eEkkert umfram a\u00f0ra sem t\u00f3ku \u00fe\u00e1tt \u00ed \u00feessu \u00fatbo\u00f0i.\u201c<\/li>\n<\/ul>\n<p>\u00deetta er au\u00f0vita\u00f0 ekkert svar. \u00dea\u00f0 er sem s\u00e9 vel hugsanlegt a\u00f0 \u00fe\u00e1tttakendur \u00ed \u00fatbo\u00f0inu hafi \u201ehagnast umfram \u00fea\u00f0 sem e\u00f0lilegt getur talist\u201c \u2013 \u00fea\u00f0 eina sem bankastj\u00f3rinn segir er a\u00f0 starfsf\u00f3lk bankans hafi ekki gr\u00e6tt meira en a\u00f0rir \u00fe\u00e1tttakendur.<\/p>\n<p>\u00ddmislegt fleira m\u00e6tti t\u00edna til, en \u00e9g b\u00ed\u00f0 spenntur eftir framhaldi \u00e1 sk\u00fdringum bankastj\u00f3rans \u00feegar sk\u00fdrsla fj\u00e1rm\u00e1laeftirlitsins ver\u00f0ur birt \u00ed heild.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00dea\u00f0 er athyglisvert a\u00f0 stj\u00f3rnandi fyrirt\u00e6kis sem \u00fearf a\u00f0 grei\u00f0a 1200 millj\u00f3nir \u00ed sekt vegna brota \u00e1 l\u00f6gum og reglum hefur ekki \u00edhuga\u00f0 a\u00f0 segja af s\u00e9r heldur segir bara \u201e\u00c9g n\u00fdt trausts innan stj\u00f3rnar bankans og mun gegna starfi m\u00ednu \u00e1fram\u201c \u2013 og \u00e9g sem h\u00e9lt a\u00f0 r\u00e9ttl\u00e6tingin fyrir h\u00e1um launum bankastj\u00f3ra v\u00e6ri a\u00f0 [&hellip;]<\/p>\n","protected":false},"author":141,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[158635],"tags":[],"class_list":["post-5201","post","type-post","status-publish","format-standard","hentry","category-malfar"],"_links":{"self":[{"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/posts\/5201","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/users\/141"}],"replies":[{"embeddable":true,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/comments?post=5201"}],"version-history":[{"count":9,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/posts\/5201\/revisions"}],"predecessor-version":[{"id":5220,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/posts\/5201\/revisions\/5220"}],"wp:attachment":[{"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/media?parent=5201"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/categories?post=5201"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/uni.hi.is\/eirikur\/wp-json\/wp\/v2\/tags?post=5201"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}