<?xml version="1.0" encoding="UTF-8"?><?xml-stylesheet type="text/xsl" href="static/style.xsl"?><OAI-PMH xmlns="http://www.openarchives.org/OAI/2.0/" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.openarchives.org/OAI/2.0/ http://www.openarchives.org/OAI/2.0/OAI-PMH.xsd"><responseDate>2026-10-05T11:35:31Z</responseDate><request verb="GetRecord" identifier="oai:skemman.is:1946/14174" metadataPrefix="dim">https://skemman.is/oai/request</request><GetRecord><record><header><identifier>oai:skemman.is:1946/14174</identifier><datestamp>2018-10-15T09:32:38Z</datestamp><setSpec>com_1946_2007</setSpec><setSpec>com_1946_1992</setSpec><setSpec>col_1946_2008</setSpec></header><metadata><dim:dim xmlns:dim="http://www.dspace.org/xmlns/dspace/dim" xmlns:doc="http://www.lyncode.com/xoai" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.dspace.org/xmlns/dspace/dim http://www.dspace.org/schema/dim.xsd">
<dim:field mdschema="dc" element="contributor" lang="is">Háskólinn á Bifröst</dim:field>
<dim:field mdschema="dc" element="contributor" qualifier="author">Elín Ása Magnúsdóttir 1981-</dim:field>
<dim:field mdschema="dc" element="description" qualifier="advisor">Kári Joensen 1979-</dim:field>
<dim:field mdschema="dc" element="description" qualifier="abstract" lang="is">Ójafn verðtryggingarjöfnuður banka skapar beint samband milli verðbólgu og hagnaðar banka í gegnum verðtryggingu. Hafi bankar hvata og bolmagn til verðbólgusköpunar verður ekki útilokað að bankar beiti sér til aukningar verðbólgu en slíkt er þjóðhagslega óhagkvæmt. Stóru viðskiptabankarnir þrír hafa verulegt bolmagn til verðbólgusköpunar með því að auka útlán sín og þar með peningamagn. Litið var til skammtímahvata til aukningar hagnaðar. Hvati Landsbankans er langstærstur en 1% aukning verðbólgu skapar honum 1,3 milljarða króna hagnað en hvati hinna bankanna er minni. Persónulegur langtímahvati stjórnenda bankanna til aukningar á verðbólgu er þó líklega lítill.</dim:field>
<dim:field mdschema="dc" element="date" qualifier="accessioned">2013-03-19T10:20:38Z</dim:field>
<dim:field mdschema="dc" element="date" qualifier="available">2013-03-19T10:20:38Z</dim:field>
<dim:field mdschema="dc" element="date" qualifier="issued">2013-03-19</dim:field>
<dim:field mdschema="dc" element="date" qualifier="submitted">2013-03-14T11:20:59Z</dim:field>
<dim:field mdschema="dc" element="date" qualifier="published">2012-12</dim:field>
<dim:field mdschema="dc" element="identifier" qualifier="uri">http://hdl.handle.net/1946/14174</dim:field>
<dim:field mdschema="dc" element="language" qualifier="iso">is</dim:field>
<dim:field mdschema="dc" element="subject" lang="is">Viðskiptafræði</dim:field>
<dim:field mdschema="dc" element="subject" lang="is">Bankar</dim:field>
<dim:field mdschema="dc" element="subject" lang="is">Verðbólga</dim:field>
<dim:field mdschema="dc" element="subject" lang="is">Verðtrygging</dim:field>
<dim:field mdschema="dc" element="title" lang="is">Bera íslensku bankarnir hag af verðbólgu og hverjir njóta góðs af?</dim:field>
<dim:field mdschema="dc" element="title" lang="en">Is inflation a profit source for the Icelandic banks, and if so, how is that benefit distributed?</dim:field>
<dim:field mdschema="dc" element="type">Thesis</dim:field>
<dim:field mdschema="dc" element="type" qualifier="degree">Bachelor's</dim:field>
</dim:dim></metadata></record></GetRecord></OAI-PMH>