{"text_format":"2","workbook":"xlsx","n_sheets":12,"sheets":["Efnisyfirlit","K3_M1","K3_M2","K3_M3","K3_M4","K3_M5","K3_M6","K3_M7","K3_M8","K3_M9","K3_M10","K3_M11"],"not_rendered":{"charts":0,"images":11,"macros":0,"external_links":0,"defined_names":2,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"run_cost":"one","rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Efnisyfirlit","index":0,"n_rows":12,"n_cols":2,"rows_kept":12,"cut":false,"hidden":false,"merged":[]}
["Nr. myndar","Fyrirsögn myndar"]
["Mynd 1","Sparisjóðir á Íslandi 1885."]
["Mynd 2","Eiginfjárhlutfall sparisjóða 1875–1925."]
["Mynd 3","Fjöldi sparisjóða 1875–2010."]
["Mynd 4","Sparisjóðir á Íslandi 1922."]
["Mynd 5","Sparisjóðir og bankar á Íslandi 1961."]
["Mynd 6","Peningamagn í umferð (M3) sem hlutfall af landsframleiðslu 1960–2000."]
["Mynd 7","Fjöldi afgreiðslustaða sparisjóðanna í samanburði við viðskiptabankana 1960–2010."]
["Mynd 8","Sparisjóðir á Íslandi 1990."]
["Mynd 9","Hlutur sparisjóðanna í heildarútlánum og fjölda bankastarfsmanna 1960–2010."]
["Mynd 10","Vaxtamunur bankanna sem munur á verðtryggðum vöxtum innlána og útlána 2002–2013."]
["Mynd 11","Hlutur sparisjóðanna í heildar út- og innlánum viðskiptabanka og sparisjóða 1887–2010."]

{"sheet":"K3_M1","index":1,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 1"]
["Fyrirsögn","Sparisjóðir á Íslandi 1885."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás"]
["Hægri ás"]
["Heimild","Byggt á Hagskýrslum Íslands 62"]
["Ath."]

{"sheet":"K3_M2","index":2,"n_rows":34,"n_cols":2,"rows_kept":34,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 2"]
["Fyrirsögn","Eiginfjárhlutfall sparisjóða 1875–1925."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","%"]
["Hægri ás"]
["Heimild","Byggt á gögnum Hagstofu Íslands."]
["Ath."]
["Dags.","Eiginfjárhlutfall  "]
[1875,0.05]
[1880,7.0000000000000007E-2]
[1885,7.0000000000000007E-2]
[1890,0.06]
[1895,0.05]
[1900,0.06]
[1905,0.05]
[1910,0.06]
[1911,7.0000000000000007E-2]
[1912,7.0000000000000007E-2]
[1913,0.08]
[1914,0.08]
[1915,7.0000000000000007E-2]
[1916,0.06]
[1917,0.06]
[1918,0.06]
[1919,0.05]
[1920,0.06]
[1921,0.08]
[1922,0.09]
[1923,0.1]
[1924,0.15]
[1925,0.09]

{"sheet":"K3_M3","index":3,"n_rows":39,"n_cols":2,"rows_kept":39,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 3"]
["Fyrirsögn","Fjöldi sparisjóða 1875–2010."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","Fjöldi  "]
["Hægri ás"]
["Heimild","Byggt á gögnum Hagstofu Íslands og Fjármálaeftirlitsins."]
["Ath."]
["Dags.","Fjöldi sparisjóða"]
[1875,3]
[1880,5]
[1885,8]
[1890,13]
[1895,22]
[1900,24]
[1905,21]
[1910,30]
[1915,44]
[1920,49]
[1925,50]
[1930,50]
[1934,56]
[1940,54]
[1945,56]
[1950,57]
[1955,60]
[1960,63]
[1965,57]
[1970,53]
[1975,44]
[1980,42]
[1985,38]
[1990,32]
[1997,27]
[2000,25]
[2005,24]
[2010,11]

{"sheet":"K3_M4","index":4,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 4"]
["Fyrirsögn","Sparisjóðir á Íslandi 1922."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás"]
["Hægri ás"]
["Heimild","Byggt á Hagskýrslum Íslands 62"]
["Ath."]

{"sheet":"K3_M5","index":5,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 5"]
["Fyrirsögn","Sparisjóðir og bankar á Íslandi 1961."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás"]
["Hægri ás"]
["Heimild","Fjármálatíðindi, 1. tbl. 10. árg. (1963)"]
["Ath."]

{"sheet":"K3_M6","index":6,"n_rows":64,"n_cols":4,"rows_kept":64,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 6"]
["Fyrirsögn","Peningamagn í umferð (M3) sem hlutfall af landsframleiðslu 1960–2000."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","%"]
["Hægri ás"]
["Heimild","Byggt á gögnum Seðlabanka Íslands og Hagstofu Íslands."]
["Ath."]
["Dags.","Verg landsframleiðsla","M3","M3/landsframleiðslu"]
[1960,87.9,33.162500000000001,0.37727531285551763]
[1961,99.9,39.857499999999995,0.39897397397397388]
[1962,119.8,50.550000000000004,0.42195325542570955]
[1963,143.19999999999999,60.620000000000005,0.42332402234636879]
[1964,182.9,70.41,0.3849644614543466]
[1965,221,84.076666666666668,0.3804374057315234]
[1966,265.39999999999998,99.61666666666666,0.37534539060537553]
[1967,269.3,107.52499999999999,0.39927590048273298]
[1968,289.39999999999998,114.18333333333334,0.3945519465560931]
[1969,358.2,133.29166666666666,0.37211520565791922]
[1970,448.2,167.58333333333334,0.37390301948534882]
[1971,570.29999999999995,205.25,0.35989829914080312]
[1972,716.5,242.54166666666666,0.33850895557106303]
[1973,1006.1,305.75833333333327,0.30390451578703237]
[1974,1464.3,387.20000000000005,0.26442668852011203]
[1975,2090.8000000000002,491.29166666666669,0.23497783942350614]
[1976,2940.6,650.19166666666672,0.22110850393343764]
[1977,4246.7,894.16666666666663,0.21055564712992833]
[1978,6584.4,1271.4166666666667,0.1930952959520483]
[1979,9728.2000000000007,1967.5,0.20224707551242777]
[1980,15982,3037,0.19002627956451007]
[1981,24860,5425.75,0.21825221238938053]
[1982,39020,8553.4166666666661,0.21920596275414317]
[1983,67696,15108,0.22317419049870008]
[1984,89440,22490.75,0.25146187388193203]
[1985,122026,31779.833333333332,0.26043493463141731]
[1986,161561,45674.833333333336,0.28270952354425471]
[1987,210347,62046.75,0.29497330601339689]
[1988,258779,78253.25,0.30239412780789787]
[1989,318780,98713.916666666672,0.30966157433548741]
[1990,371437,121995.08333333333,0.32844084820126518]
[1991,401609,136928.75,0.34095040200792315]
[1992,401445,149379.91666666666,0.37210556032997461]
[1993,414168,155901.58333333334,0.37642112218552215]
[1994,440286,164428.83333333334,0.37345914549482234]
[1995,454013,167724,0.36942554508351083]
[1996,487509,176862.58333333334,0.36278834510405622]
[1997,526322,190170.66666666666,0.36132000309063017]
[1998,588367,216595,0.36812907589990601]
[1999,632399,253664.08333333334,0.40111398552706967]
[2000,683747,286171.58333333331,0.41853431654300977]
[2001,771893,324742.16666666669,0.42070878563047814]
[2002,816450,371354.25,0.45484016167554658]
[2003,841490,435588.08333333331,0.51763904898850055]
[2004,930141,514553.58333333331,0.55319955074911575]
[2005,1025740,612341.41666666663,0.59697527313614229]
[2006,1168602,732648.08333333337,0.62694406079514953]
[2007,1308530,999682.08333333337,0.76397337725029868]
[2008,1480346,1411157.8333333333,0.95326216528658381]
[2009,1497934,1632157.1666666667,1.0896055277913892]
[2010,1535932,1524716.0833333333,0.99269764763891455]
[2011,1628677,1493146,0.91678460492780334]
[2012,1698492,1566984.5833333333,0.92257401467497835]

{"sheet":"K3_M7","index":7,"n_rows":43,"n_cols":3,"rows_kept":43,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 7"]
["Fyrirsögn","Fjöldi afgreiðslustaða sparisjóðanna í samanburði við viðskiptabankana 1960–2010."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","Fjöldi  "]
["Hægri ás"]
["Heimild","Byggt á gögnum Fjármálaeftirlitsins."]
["Ath."]
["Dags.","Viðskiptabankar","Sparisjóðir"]
[1960,21,64]
[1964,49,60]
[1968,60,55]
[1972,75,52]
[1976,89,43]
[1980,103,44]
[1984,127,45]
[1985,128,45]
[1986,133,47]
[1987,137,47]
[1988,137,46]
[1989,137,46]
[1990,130,46]
[1991,128,49]
[1992,128,50]
[1993,124,50]
[1994,126,51]
[1995,128,51]
[1996,131,51]
[1997,132,50]
[1998,132,55]
[1999,130,54]
[2000,122,58]
[2001,118,62]
[2002,118,62]
[2003,117,63]
[2004,113,65]
[2006,97,67]
[2007,96,61]
[2008,93,59]
[2009,85,49]
[2010,89,40]

{"sheet":"K3_M8","index":8,"n_rows":10,"n_cols":2,"rows_kept":10,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 8"]
["Fyrirsögn","Sparisjóðir á Íslandi 1990."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás"]
["Hægri ás"]
["Heimild","Vísbending 1993"]
["Ath."]

{"sheet":"K3_M9","index":9,"n_rows":59,"n_cols":7,"rows_kept":59,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 9"]
["Fyrirsögn","Hlutur sparisjóðanna í heildarútlánum og fjölda bankastarfsmanna 1960–2010."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","%"]
["Hægri ás"]
["Heimild","Byggt á gögnum Hagstofu Íslands, Seðlabanka Íslands og Fjármálaeftirlitsins."]
["Ath."]
["Dags.","Fjöldi ársverka - viðskiptabankar","Fjöldi ársverka - sparisjóðir","Starfsmannavægi","Heildarútlán allir = viðskiptabankar, sparisjóðir, kaupfélög, póstgíró","Heildarútlán sparisjóðir","Útlánavægi"]
[1963,908,54,5.6133056133056136E-2,6097.9,809.9,0.13281621541842273]
[1964,982,66,6.2977099236641215E-2,6861.6,800.1,0.11660545645330535]
[1965,1078,62,5.4385964912280704E-2,8599.1,916.6,0.10659255038317964]
[1966,1207,68,5.3333333333333337E-2,9942.2999999999993,1082.5999999999999,0.10888828540679722]
[1967,1252,98,7.2592592592592597E-2,10735.8,1207.4000000000001,0.11246483727342166]
[1968,1284,109,7.8248384781048091E-2,11891,1310,0.11016735346060046]
[1969,1268,123,8.8425593098490296E-2,13402,1544,0.11520668556931801]
[1970,1359,110,7.488087134104833E-2,16044,1948,0.12141610570929942]
[1971,1476,124,7.7499999999999999E-2,19587,2453,0.12523612600194006]
[1972,1602,135,7.7720207253886009E-2,23466,2883,0.12285860393761186]
[1973,1720,146,7.8242229367631297E-2,31251,3522,0.1127003935874052]
[1974,1871,165,8.1041257367387029E-2,45746,4329,9.4631224587942112E-2]
[1975,1944,172,8.1285444234404536E-2,55990,5578,9.9624933023754247E-2]
[1976,2025,178,8.079891057648661E-2,70808,7207,0.10178228448762852]
[1977,2134,185,7.9775765416127645E-2,100876,10046,9.9587612514374077E-2]
[1978,2232,215,8.7862689006947284E-2,142000,15200,0.10704225352112676]
[1979,2301,237,9.3380614657210398E-2,223000,24100,0.10807174887892376]
[1980,2537,250,8.9702188733405089E-2,352000,39100,0.11107954545454546]
[1981,3211,275,7.8886976477337917E-2,6120,722,0.11797385620915032]
[1982,2695,226,7.7370763437179052E-2,11481,1145,9.972998867694452E-2]
[1983,2719,320,0.10529779532741033,20338,2233,0.10979447339954765]
[1984,2955,362,0.10913476032559542,29761,3016,0.101340680756695]
[1985,3278,391,0.1065685472880894,39698,4338,0.1092750264496952]
[1986,3559,445,0.11113886113886114,48854,5919,0.12115691652679413]
[1987,3763,429,0.10233778625954199,72379,9468,0.13081142320286271]
[1988,4023,528,0.11601845748187212,96883,13254,0.1368041864929864]
[1989,3876,595,0.13307984790874525,120434,18089,0.15019844894298953]
[1990,2407,424,0.14977039915224302,139248,24287,0.17441543146041594]
[1991,2396,439,0.15485008818342152,155715,28908,0.18564685483094115]
[1992,2290,435,0.15963302752293579,162417,31202,0.19211043178977569]
[1993,2149,425.4,0.16524238657551274,173783,36015,0.20724121461823078]
[1994,2124.5,436.2,0.17034404654977156,184264,41411,0.22473733339122129]
[1995,2106,446.7,0.17499118580326714,192310,45371,0.23592636888357341]
[1996,2096,456.2,0.17874774704176791,211598,50886,0.24048431459654629]
[1997,2129,472.2,0.18153160079963096,246311,63469,0.25767830100969913]
[1998,2253,521.6,0.18799106177467023,387017,86512,0.22353540025373561]
[1999,2307,597.4,0.20568792177386033,482127,111246,0.23074003322775949]
[2000,2395,651,0.21372291529875245,693334,133749,0.19290702605093649]
[2001,2509,685,0.21446462116468379,826262,157813,0.19099631835906772]
[2002,2673,656,0.19705617302493242,923224,161832,0.17529007044877515]
[2003,2652,660,0.19927536231884058,1194815,158217,0.13241966329515448]
[2004,2991,692,0.18789030681509639,1675149,200491,0.1196854727549609]
[2005,3146,738,0.19001029866117405,3855162,233932,6.0680199690700418E-2]
[2006,3448,797,0.18775029446407537,6836068,336223,4.9183682783728894E-2]
[2007,4050,785,0.1623578076525336,7998347,425817,5.3238125327645824E-2]
[2008,3526,802,0.18530499075785584,11551804,359521,3.1122498269534352E-2]
[2009,3187,466,0.12756638379414181,1777616,251451,0.14145405981944356]
[2010,3391,150,4.2360914995763908E-2,1703990,35745,2.0977235781900128E-2]

{"sheet":"K3_M10","index":10,"n_rows":447,"n_cols":4,"rows_kept":447,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 10"]
["Fyrirsögn","Vaxtamunur bankanna sem munur á verðtryggðum vöxtum innlána og útlána 2002–2013."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","%"]
["Hægri ás"]
["Heimild","Byggt á gögnum frá Seðlabanka Íslands."]
["Ath."]
["Dags.","Meðalvextir, innlánsvextir","Meðalvextir, útlánsvextir","Vaxtamunur"]
["2002-01-01",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-01-11",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-01-21",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-02-01",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-02-11",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-02-21",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-03-01",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-03-11",5.9999999940500004,10.20000000005,4.2000000059999998]
["2002-03-21",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-04-01",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-04-11",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-04-21",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-05-01",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-05-11",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-05-21",5.9999999940500004,10.199999999839999,4.2000000057899989]
["2002-06-01",5.9999999937500004,10.09999999994,4.1000000061899993]
["2002-06-11",5.9999999937500004,10.09999999994,4.1000000061899993]
["2002-06-21",5.9999999937500004,10.100000000050001,4.1000000063000002]
["2002-07-01",5.9738401227611702,10.1337665308269,4.1599264080657301]
["2002-07-11",5.9738401227611702,10.1337665308269,4.1599264080657301]
["2002-07-21",5.9738401227611702,10.1337665308269,4.1599264080657301]
["2002-08-01",5.9738401227611702,10.1337665308269,4.1599264080657301]
["2002-08-11",5.9300273335411298,10.1133853030104,4.1833579694692702]
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{"sheet":"K3_M11","index":11,"n_rows":135,"n_cols":7,"rows_kept":135,"cut":false,"hidden":false,"merged":[]}
[null,"Skýrsla rannsóknarnefndar Alþingis um aðdraganda og orsakir erfiðleika og falls sparisjóðanna"]
[null,"3. kafli - Sparisjóðir - hlutverk og staða á fjármálamarkaði "]
[null,"Mynd 11"]
["Fyrirsögn","Hlutur sparisjóðanna í heildar út- og innlánum viðskiptabanka og sparisjóða 1887–2010."]
["Undirfyrirsögn"]
["Neðanmál"]
["Vinstri ás","%"]
["Hægri ás"]
["Heimild","Byggt á gögnum Hagstofu Íslands, Seðlabanka Íslands og Fjármálaeftirlitsins."]
["Ath."]
["Dags.","Heildarútlán allir = viðskiptabankar, sparisjóðir, kaupfélög, póstgíró","Heildarútlán sparisjóðir","Útlánavægi","Heildarinnlán allir = viðskiptabankar, sparisjóðir, kaupfélög, póstgíró","Heildarinnlán sparisjóðir","Innlánavægi"]
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