Karlstad zitbankenserie

Page 1

.223+8/3

.$5/67$' ]LWEDQNHQVHULH '(6,*1 7RUG %M|UNOXQG ]LWPHXEHOVHULH

02'(//(1 9RHWHQEDQN )DXWHXLO [ [ FP &KDLVH ORQJXH ]LWVEDQN ]LWVEDQN ]LWVVODDSEDQN +RHNEDQN

$IQHHPEDUH KRHV

:DVEDUH KRHV

:DVEDUH KRHV

&KHPLVFK UHLQLJHQ

&RPELQHHU HQ YDULHHU 'H .$5/67$' ]LWEDQNHQVHULH EHVWDDW XLW FRPIRUWDEHOH RQGHUGHOHQ GLH MH SUHFLHV ]R NDQ FRPELQHUHQ ]RDOV MLM GDW ZLO -H NDQ HHQ FKDLVH ORQJXH DDQERXZHQ ELM HHQ ]LWEDQN ]RGDW MH OHNNHU NDQ UHOD[HQ YRRU GH WY :LO MH OHNNHU ]LWWHQ p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

+HW LV PRJHOLMN GDW SURGXFWHQ GLH KLHU ZRUGHQ DIJHEHHOG QLHW LQ GLW ZRRQZDUHQKXLV YHUNULMJEDDU ]LMQ 6SUHHN HHQ PHGHZHUNHU DDQ RI NLMN RS ,.($ EH YRRU PHHU LQIRUPDWLH 9RRU GLHSHUH SURGXFWLQIRUPDWLH ]LH KHW SULMVNDDUWMH HQ LQWHUQHW

,.%( B.$5/67$'B1/B5


+(7 20%28:(1 9$1 '( 6/$$3%$1.

=R ERXZ MH GH .$5/67$' VODDSEDQN VQHO RP WRW HHQ VODDSSODDWV YRRU WZHH 'RH DOOHUHHUVW GH YHUJUHQGH OLQJ DDQ GH YRRUNDQW YDQ GH EDQN RPKRRJ HQ WUHN KHW EHG ]R YHU PRJHOLMN XLW 7UHN YHUYROJHQV GH KDQGJUHHS YDQ KHW GHNVHO YDQ GH GHNHQODGH RPKRRJ WRW MH HHQ NOLN KRRUW 'DQ LV KHW GHNVHO YHUJUHQGHOG

HQ NDQ MH KHW EHGGHQJRHG HU UXVWLJ XLWKDOHQ 'RH YHUYROJHQV KHW GHNVHO ZHHU RPODDJ GRRU KHW LHWV QDDU DFKWHUHQ WH GXZHQ HQ WHJHOLMNHUWLMG GH YHUJUHQGHOLQJ DDQ GH UHFKWHUNDQW ORV WH PDNHQ 1X NDQ MH GH NXVVHQV RS KXQ SODDWV OHJJHQ HQ KHW EHG RSPDNHQ

:LO MH GH .$5/67$' VODDSEDQN RPYRUPHQ WRW HHQ FRPIRUWDEHO HHQSHUVRRQVEHG" 9HUZLMGHU HHUVW DOOH NXVVHQV 7UHN DDQ KHW OLSMH DDQ GH YRRUNDQW YDQ GH ]LWEDQN HQ WUHN KHW EHG KHOHPDDO XLW 7LO GDQ KHW GHNVHO YDQ GH RSEHUJEDN RS WRW MH HHQ NOLN KRRUW

+HW GHNVHO LV QX YHUJUHQGHOG ]RGDW MH KHW EHGGHQ JRHG HU PDNNHOLMN XLWKDDOW 'RH QX KHW GHNVHO WHUXJ RPODDJ GRRU KHW OLFKWMHV QDDU DFKWHUHQ WH GXZHQ WHU ZLMO MH GH JUHQGHO UHFKWV RSHQW 1X NDQ MH GH RSEHUJ EDN WHUXJ RS ]LMQ SODDWV GXZHQ HQ KHW EHG RSPDNHQ

'H DDQERXZ .$5/67$' FKDLVH ORQJXH KHHIW HHQ YHU VWHOEDUH UXJOHXQLQJ 5LWV GH KRHV YDQ GH UXJOHXQLQJ ORV HQ WUHN KHW ULHPSMH DDQ KHW YRHWHQHLQGH QDDU MH WRH


&20%,1$7,(6

.OHLQ PDDU UXLP +HE MH HHQ NOHLQH FRPIRUWDEHOH ]LWEDQN QRGLJ GLH WRFK SODDWV ELHGW DDQ PHHUGHUH PHQVHQ" -H NDQ GH IDXWHXLO HQ GH FKDLVH ORQJXH XLW GH .$5/67$' ]LWEDQNVHULH FRPELQHUHQ =R KHE MH JHQRHJ UXLPWH RP MH XLW WH VWUHNNHQ HQ ZDQQHHU HU JDVWHQ ODQJVNRPHQ ELHGW GH FKDLVH ORQJXH YROGRHQGH ]LWSODDWV 'H]H FRPELQDWLH LQ %OHNLQJH ZLW

)OH[LEHOH KRHNEDQN 0HW GH ]LWVEDQN HQ GH FKDLVH ORQJXH XLW GH .$5/67$' ]LWEDQNHQVHULH NDQ MH HHQ NOHLQH KRHNEDQN VDPHQVWHOOHQ GLH LQ GH PHHVWH LQWHULHXUV SDVW .LHV GH KRHV HQ GH SRWHQ GLH MLM PRRL YLQGW HU LV HHQ UXLPH NHX]H

9DQ PDDN MH LQ HHQ KDQGRPGUDDL 'H .$5/67$' KRHNEDQN KHHIW DIQHHPEDUH DUPOHX QLQJHQ ]RGDW MH GH HQ GH ]LWVEDQN PDNNHOLMN NDQ RPZLVVHOHQ $OOH KRH]HQ ]LMQ RRN RPNHHUEDDU ]RGDW MH ]H ODQJV EHLGH NDQWHQ NDQ JHEUXLNHQ HQ ]H GXV ODQJHU PHHJDDQ 0LVVFKLHQ YRHJ MH HU JUDDJ QRJ HHQ FRPIRUWDEHOH IDXWHXLO DDQ WRH" 'H]H FRPELQDWLH LQ %OHNLQJH ZLW

(HQ ]LWEDQN YRRU YHOHQ ± PHW HHQ KRHNMH YRRU MH]HOI =LWWHQ MXOOLH JUDDJ PHW ]¶Q DOOHQ LQ GH ]LW EDQN" %RXZ GDQ HHQ UXLPH FRPIRUWDEHOH KRHNEDQN PHW GH HOHPHQWHQ XLW GH .$5/67$' ]LWEDQNHQVHULH (Q DOV KHW JH]LQ JURHLW HQ MH QRJ PHHU SODDWV QRGLJ KHEW YRHJ GDQ JHZRRQ H[WUD VWXNNHQ WRH $OV MH RRN JUDDJ HHQ HLJHQ KRHNMH KHEW YRHJ GDQ HHQ FKDLVH ORQJXH WRH 'H]H FRPELQDWLH LQ %OHNLQJH ZLW

0DVVD¶V UXLPWH $OV MH GH .$5/67$' ]LWVEDQN FRPELQHHUW PHW WZHH FKDLVHV ORQJXHV XLW GH]HOIGH VHULH NULMJ MH HHQ JHQHUHX]H 8 YRUPLJH ]LWEDQN PHW KHHO YHHO UXLPWH RP WH ]LWWHQ HQ RP MH KHOHPDDO XLW WH VWUHNNHQ 0HW QRJ HHQ SDDU H[WUD NXVVHQV ZRUGW KHW QyJ FRPIRUWDEHOHU

9HUDQGHU MH VWLMO ]R YDDN MH ZLO .$5/67$' ]LW EDQNHQ HQ IDXWHXLOV KHEEHQ DOWLMG EHXNHQ SRWHQ +HE MH OLHYHU HHQ DQGHUH ORRN GDQ NDQ MH ]H YHUYDQ JHQ GRRU DOXPLQLXP SRWHQ :RUGHQ DSDUW YHUNRFKW

'H]H FRPELQDWLH LQ %OHNLQJH ZLW

'H]H FRPELQDWLH LQ %OHNLQJH ZLW

([WUD SRWHQ VW KRRJWH FP DOXPLQLXP


$//( 21'(5'(/(1 (1 35,-=(1

9RHWHQ EDQN

)DXWHXLO

&KDLVH ORQJXH DDQERXZ

]LWVEDQN

]LWVEDQN

]LWV +RHNEDQN VODDSEDQN RI %HGEUHHGWH + FP FP %HGOHQJWH FP

%UHHGWHî'LHSWHî+RRJWH LQ FP

[ [

[ [

[ [

[ [

î î

î î

î î î î

&RPSOHHW PHW KRHV %/(.,1*( ZLW %/$'c.(5 EODXZ EHLJH 6,9,. JURHQ 6,9,. GRQNHUJULMV +86,( RUDQMH .251'$/ EUXLQ .251'$/ GRQNHUJULMV /,1'g EHLJH ,681'$ JULMV %/2067(50c/$ YHHONOHXULJ ,6()$// QDWXUDO ,6()$// PLGGHQJULMV ,6()$// ]ZDUW 6,9,. GRQNHUSDDUV 6,9,. JHHOJURHQ .8//$'$/ YHHONOHXULJ 7(1g OLFKWJULMV

([WUD KRHV %/(.,1*( ZLW %/$'c.(5 EODXZ EHLJH 6,9,. JURHQ 6,9,. GRQNHUJULMV +86,( RUDQMH .251'$/ EUXLQ .251'$/ GRQNHUJULMV /,1'g EHLJH ,681'$ JULMV %/2067(50c/$ YHHONOHXULJ ,6()$// QDWXUDO ,6()$// PLGGHQJULMV ,6()$// ]ZDUW 6,9,. GRQNHUSDDUV 6,9,. JHHOJURHQ .8//$'$/ YHHONOHXULJ 7(1g OLFKWJULMV

([WUD SRWHQ VW KRRJWH FP $OXPLQLXP

(QNHO YHUNULMJEDDU RS EHVWHOOLQJ


$//( 21'(5'(/(1 (1 35,-=(1

.XVVHQ

.XVVHQ

%UHHGWHî'LHSWHî+RRJWH LQ FP

î

î

&RPSOHHW PHW KRHV %/(.,1*( ZLW +86,( EHLJH RUDQMH ,681'$ JULMV .251'$/ EUXLQ .251'$/ GRQNHUJULMV /,1'g EHLJH 6,9,. GRQNHUJULMV

²

² ² ² ² ² ²

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

:DVYRRUVFKULIWHQ

/LFKWYDVW 6OLMWYDVWKHLG KHLGVWHVW F\FOL

0DFKLQHZDV RS &

%/(.,1*( YRRUJHZDVVHQ VOLMWYDVW NHSHUNDWRHQ

0DFKLQHZDV RS &

,681'$ ]ZDUH VOLMWYDVWH VWRI PHW VWUXFWXXU JDUHQ JHYHUIG LQ YHUVFKLOOHQGH JULMV HQ ZLWWLQWHQ &RWWRQ OLQHQ SRO\HVWHU DQG YLVFRVH

&KHPLVFK UHLQLJHQ

.251'$/ VWHYLJ VOLMWYDVW NDWRHQ PHW VWUXFWXXU JHNOHXUG JDUHQ PHW WZHH NOHXUQXDQFHV

&KHPLVFK UHLQLJHQ

/,1'g ]ZDUH VOLMWYDVWH VWRI &RPELQDWLH YDQ NDWRHQ OLQQHQ HQ SRO\HVWHU JHZHYHQ LQ YHUVFKLOOHQGH GUDDGGLNWHV YRRU HHQ OHYHQGLJH VWUXFWXXU

&KHPLVFK UHLQLJHQ

6,9,. JDUHQJHYHUIGH NDWRHQHQ VWRI PHW WRQ VXU WRQHIIHFW

0DFKLQHZDV RS &

%/2067(50c/$ NDWRHQ PHW EORHPHQSULQW

0DFKLQHZDV RS &

,6()$// ]ZDUH NZDOLWHLW VOLMWYDVWH VWRI PHW VWUXFWXXU /LFKW JODQ]HQG HQ YRHOW ]DFKW DDQ

&KHPLVFK UHLQLJHQ

.8//$'$/ JHVWUHHSWH VWRI NDWRHQ SRO\HVWHU

0DFKLQHZDV RS &

7(1g VWHYLJH VOLMWYDVWH VWRI YDQ JHNOHXUG JDUHQ PHW NOHXUQXDQFHV +HW ERXFOHJDUHQ HQ GH ZHHIWHFKQLHN ]RUJHQ YRRU HHQ RSSHUYODN PHW VWUXFWXXU

&KHPLVFK UHLQLJHQ

%/$'c.(5 NDWRHQ PHW JHSULQW EORHPHQSDWURRQ


‹ ,QWHU ,.($ 6\VWHPV % 9

'H SULM]HQ JHOGHQ WRW MXOL RQGHU YRRUEHKRXG YDQ ]HW HQ GUXNIRXWHQ


Turn static files into dynamic content formats.

Create a flipbook
Issuu converts static files into: digital portfolios, online yearbooks, online catalogs, digital photo albums and more. Sign up and create your flipbook.