Finansåret 2002

G31G30G34 Finansåret 2002NFT 2/2002 G56G69G20 G6BG61G6EG20 G6BG6FG6EG73G74G61G74G65G72G65G20 G61G74G20 G73G79G73G74G65G6DG65G6EG65G20 G68G61G72G20 G62G65G73G74GE5G74G74 G74G65G73G74G65G6EG2EG20G44G65G74G20G76G61G72G20G22G62G75G73G69G6EG65G73G73G20G61G73G20G75G73G75G61G6CG22G20G69G6EG6EG65G6EG66G6FG72G20G64G65 G69G6EG74G65G72G6EG61G73G6AG6FG6EG61G6CG65G20G76G61G6CG75G74G61G2DG20G6FG67G20G62G65G74G61G6CG69G6EG67G73G73G79G73G74G65G6DG65G6EG65 G69G20G6CGF8G70G65G74G20G61G76G20G66GE5G20G74G69G6DG65G72G2EG20G56G65G72G64G69G70G61G70G69G72G6DG61G72G6BG65G64G65G6EG65G20G73G6FG6D G61G6CG6CG65G72G65G64G65G20G69G20G6EG6FG65G6EG20G74G69G64G20G68G61G64G64G65G20G76G69G73G74G20G6EG65G64G67G61G6EG67G2CG20G66G69G6BG6BG20G65G6E G62G65G74G79G64G65G6CG69G67G20G65G6BG73G74G72G61G20G6EG65G64G74G75G72G2CG20G6DG65G6EG20G74G69G6CG6CG69G74G65G6EG20G76G61G72G20G61G6CG64G72G69 G74G72G75G65G74G2EG20G46G6FG72G73G69G6BG72G69G6EG67G73G6DG61G72G6BG65G64G65G6EG65G20G62G6CG65G20G73G61G74G74G20G75G6EG64G65G72G20G65G74 G62G65G74G79G64G65G6CG69G67G20G70G72G65G73G73G2EG20G44G65G74G20G76G61G72G20G69G6EG6EG74G72GE5G64G74G20G65G6EG20G68G65G6EG64G65G6CG73G65 G73G6FG6DG20G67G6AG6FG72G64G65G20G64G65G74G20G6EGF8G64G76G65G6EG64G69G67G20GE5G20G72G65G76G75G72G64G65G72G65G20G76G69G6CG6BGE5G2D G72G65G6EG65G20G69G20G66G6FG72G73G69G6BG72G69G6EG67G73G61G76G74G61G6CG65G6EG65G2CG20G69G20G6CG79G73G20G61G76G20G65G74G20G68G65G6CG74G20G6EG79G74G74 G74G72G75G73G73G65G6CG62G69G6CG64G65G2EG20G42G65G76G69G73G73G74G68G65G74G65G6EG20G6FG6DG20G65G6EG20GF8G6BG74G20G73GE5G72G62G61G72G68G65G74 G76G69G6CG20 G74G72G6FG6CG69G67G20 G70G72G65G67G65G20 G64G65G20 G66G69G6EG61G6EG73G69G65G6CG6CG65G20 G73G79G73G74G65G6DG65G6EG65G20 G69 G68G76G65G72G74G20 G66G61G6CG6CG20 G69G20 G6EG6FG65G6EG20 G74G69G64G20 G66G72G65G6DG6FG76G65G72G2EG20 G42G6FG72G74G73G65G74G74G20 G66G72G61 G64G65G74G74G65G20 G73G79G6EG65G73G20 G68G65G6EG64G65G6CG73G65G6EG20 G69G6BG6BG65G20 GE5G20 G68G61G20 G73G61G74G74G20 G76G61G72G69G67G65 G73G70G6FG72G20 G69G20 G66G69G6EG61G6EG73G6DG61G72G6BG65G64G65G6EG65G20 G96G20 G6DG65G64G20 G75G6EG6EG74G61G6BG20 G69G20 G66G6FG72G2D G73G69G6BG72G69G6EG67G2E G44G65G6EG20 G73G74G65G72G6BG65G73G74G65G20 G6DG61G72G6BG65G64G73G6DG65G73G73G69G67G65G20 G62G65G6CG61G73G74G6EG69G6EG2D G67G65G6EG20 G6BG6FG6DG20 G70GE5G20 G6CG69G76G73G66G6FG72G73G69G6BG72G69G6EG67G73G73G65G6CG73G6BG61G70G65G6EG65G2CG20 G73G6FG6D G6DGE5G74G74G65G20G73G65G20G73G74G6FG72G65G20G76G65G72G64G69G65G72G20G66G6FG72G73G76G69G6EG6EG65G20G70GE5G20G67G72G75G6EG6EG20G61G76 G66G61G6CG6CG65G74G20 G70GE5G20 G62GF8G72G73G65G6EG65G20 G76G65G72G64G65G6EG20 G6FG76G65G72G2EG20 G48G65G6CG64G69G67G76G69G73G20 G74G6FG6B G6DG61G72G6BG65G64G65G6EG65G20G73G65G67G20G64G65G6EG6EG65G20G67G61G6EG67G20G72G65G6CG61G74G69G76G74G20G68G75G72G74G69G67G20G6FG70G70 G69G67G6AG65G6EG2EG20G44G65G74G20G76G61G72G20G73G6CG65G74G74G20G69G6BG6BG65G20G73G69G6BG6BG65G72G74G20G61G74G20G64G65G74G20G76G69G6CG6CG65G20G67GE5 G73G6CG69G6BG2EG20G4EG79G65G20G74G65G72G72G6FG72G61G6BG73G6AG6FG6EG65G72G20G6BG75G6EG6EG65G20G68G61G20G73G65G6EG64G74G20G76G65G72G64G69G2D G65G6EG65G20G69G6EG6EG20G69G20G6EG79G65G20G6EG65G64G61G64G67GE5G65G6EG64G65G20G73G70G69G72G61G6CG65G72G2CG20G6DG65G64G20G6DG75G2D G6CG69G67G65G20G64G72G61G6DG61G74G69G73G6BG65G20G6BG6FG6EG73G65G6BG76G65G6EG73G65G72G20G66G6FG72G20G73G6FG6CG69G64G69G74G65G74G65G6EG20G69 G73G74G6FG72G65G20G64G65G6CG65G72G20G61G76G20G66G69G6EG61G6EG73G6EGE6G72G69G6EG67G65G6EG2E G56G69G72G6BG6EG69G6EG67G65G6EG20 G76G61G72G20 G6FG67G73GE5G20 G62G65G74G79G64G65G6CG69G67G20 G66G6FG72G20 G73G6BG61G64G65G2D G66G6FG72G73G69G6BG72G69G6EG67G73G73G65G6CG73G6BG61G70G65G6EG65G2EG20 G52G65G67G6EG73G6BG61G70G65G74G20 G66G6FG72G20 G64G65 G6EG6FG72G73G6BG65G20G73G6BG61G64G65G73G65G6CG73G6BG61G70G65G6EG65G20G69G20G32G30G30G31G76G69G73G65G72G20G65G74G20G64G72G69G66G74G73G2D G75G6EG64G65G72G73G6BG75G64G64G20 G70GE5G20 G32G20 G6DG69G6CG6CG69G61G72G64G65G72G20 G73G6FG6DG20 G69G20 G73G74G6FG72G20 G67G72G61G64 G73G6BG79G6CG64G65G73G20G73G76G69G6BG74G65G6EG20G69G20G66G69G6EG61G6EG73G6DG61G72G6BG65G64G65G6EG65G2EG20G44G65G73G73G75G74G65G6E G65G72G20G64G65G74G20G73G6BG61G70G74G20G65G6EG20G75G73G69G6BG6BG65G72G68G65G74G20G6FG6DG20G66G6FG72G73G69G6BG72G69G6EG67G73G64G65G6BG2D G6EG69G6EG67G65G72G20G6DG6FG74G20G66G72G65G6DG74G69G64G69G67G65G20G74G65G72G72G6FG72G68G61G6EG64G6CG69G6EG67G65G72G2CG20G73G6FG6D G6AG65G67G20G76G69G6CG20G6BG6FG6DG6DG65G20G6EGE6G72G6DG65G72G65G20G74G69G6CG62G61G6BG65G20G74G69G6CG2E av Svein Aaser Finansåret 2002 De internasjonale finansmarkedene har det siste året vært preget av stor turbulens og stilt finansnæringen i mange land overfor betydelige utfordringer. Verdensøkonomien var på vei mot lavkonjunktur allerede før 11. september 2001. Terrorangrepene mot USA påvirket finans- markedene umiddelbart - først valutamarkedene og senere rente- og kapitalmarkedene og forsikringsmarkedene. De internasjonale finansi- elle systemene ble satt på betydelige prøver. Svein Aaser er konsernsjef i Den norske Bank og styreleder i Finansnæringens Hovedorganisasjon (FNH). Talen ble holdt på FNHs årskonferanse i Oslo 16. april 2002. G46G6FG74G6FG3AG20G44G6EG42Svein Aaser G31G30G35 Finansåret 2002 G45G72G66G61G72G69G6EG67G65G6EG65G20G66G72G61G20G31G31G2EG20G73G65G70G74G65G6DG62G65G72G20G67G69G72G20G64G65G72G66G6FG72G20G65G74 G75G74G67G61G6EG67G73G70G75G6EG6BG74G20G66G6FG72G20GE5G20G66G6FG72G65G74G61G20G65G6EG20G6BG72G69G74G69G73G6BG20G67G6AG65G6EG6EG6FG6DG2D G67G61G6EG67G20G61G76G20G64G65G20G72G65G67G75G6CG65G72G69G6EG67G65G72G20G73G6FG6DG20G6FG6DG67G69G72G20G66G69G6EG61G6EG73G6EGE6G2D G72G69G6EG67G65G6EG20 G69G20 G4EG6FG72G67G65G20 G67G65G6EG65G72G65G6CG74G2CG20 G6FG67G20 G6CG69G76G73G66G6FG72G73G69G6BG72G69G6EG67G73G2D G6EGE6G72G69G6EG67G65G6EG20G73G70G65G73G69G65G6CG74G2EG20G56G69G20G62GF8G72G20G73G74G69G6CG6CG65G20G73G70GF8G72G73G6DGE5G6CG65G74G20G6FG6D G72G65G67G65G6CG76G65G72G6BG65G74G20 G65G72G20 G74G69G6CG73G74G72G65G6BG6BG65G6CG69G67G20 G72G6FG62G75G73G74G2CG20 G6FG67G20 G73G61G6DG74G69G2D G64G69G67G20 G66G6CG65G6BG73G69G62G65G6CG74G20 G6EG6FG6BG20 G69G20 G66G6FG72G68G6FG6CG64G20 G74G69G6CG20 G6DGE5G6CG65G74G20 G6FG6DG20 GE5 G62G65G73G6BG79G74G74G65G20G6BG75G6EG64G65G72G73G20G76G65G72G64G69G65G72G20G6FG67G20G73G69G6BG72G65G20G65G6EG20G6CG61G6EG67G73G69G6BG2D G74G69G67G2CG20 G67G6FG64G20 G61G76G6BG61G73G74G6EG69G6EG67G20 G70GE5G20 G6DG69G64G6CG65G72G20 G75G6EG64G65G72G20 G66G6FG72G76G61G6CG74G2D G6EG69G6EG67G2E G4AG65G67G20 G76G69G6CG20 G6BG6FG6DG6DG65G20 G74G69G6CG62G61G6BG65G20 G74G69G6CG20 G64G69G73G73G65G20 G6FG67G20 G61G6EG64G72G65 G73G70GF8G72G73G6DGE5G6CG20G6BG6EG79G74G74G65G74G20G74G69G6CG20G72G61G6DG6DG65G62G65G74G69G6EG67G65G6CG73G65G6EG65G20G73G65G6EG65G2D G72G65G2CG20G6DG65G6EG20G66GF8G72G73G74G20G73G69G20G6CG69G74G74G20G6FG6DG20G66G69G6EG61G6EG73G6EGE6G72G69G6EG67G65G6EG73G20G72G6FG6CG6CG65 G69G20G65G6EG20G6DG61G72G6BG65G64G73GF8G6BG6FG6EG6FG6DG69G20G73G6FG6DG20G76GE5G72G2E Finansnæringens rolle G49G20 G64G61G67G20 G65G72G20 G65G66G66G65G6BG74G69G76G65G20 G6FG67G20 G74G72G79G67G67G65G20 G73G79G73G74G65G6DG65G72G20 G66G6FG72 G66G6FG72G6DG69G64G6CG69G6EG67G20G61G76G20G6BG61G70G69G74G61G6CG2CG20G62G65G74G61G6CG69G6EG67G73G74G6AG65G6EG65G73G74G65G72G2CG20G6BG61G2D G70G69G74G61G6CG66G6FG72G76G61G6CG74G6EG69G6EG67G20 G6FG67G20 G61G76G6CG61G73G74G6EG69G6EG67G20 G66G6FG72G20 G72G69G73G69G6BG6FG20 G68G65G6CG74 G6EGF8G64G76G65G6EG64G69G67G65G20 G66G6FG72G20 G61G74G20 G65G6EG20 G6DG6FG64G65G72G6EG65G20 G6DG61G72G6BG65G64G73GF8G6BG6FG2D G6EG6FG6DG69G20 G6BG61G6EG20 G66G75G6EG67G65G72G65G20 G74G69G6CG66G72G65G64G73G73G74G69G6CG6CG65G6EG64G65G2EG20 G46G69G6EG61G6EG73G2D G6EGE6G72G69G6EG67G65G6EG73G20G72G6FG6CG6CG65G20G65G72G20G69G6DG69G64G6CG65G72G74G69G64G20G69G6BG6BG65G20G62G61G72G65G20GE5G20G66G6FG72G2D G6DG69G64G6CG65G20 G74G6AG65G6EG65G73G74G65G72G20 G74G69G6CG20 G64G65G74G20 GF8G76G72G69G67G65G20 G73G61G6DG66G75G6EG6EG20 G96G20 G6FG67 G64G65G72G6DG65G64G20 G73G6BG61G70G65G20 G6DG65G72G76G65G72G64G69G65G72G20 G68G6FG73G20 G61G6EG64G72G65G20 G96G20 G6DG65G6E G6FG67G73GE5G20 G67G6AG65G6EG6EG6FG6DG20 G65G67G65G6EG20 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