WPCcE ΟvyamR}@}YJѝ~a𷜅wЬ7 Ftm?oo/\UQCPa !ld"t||[2G,2R+Dž(wqďl?Y-M =k6 d%_-4-#tUЖ ܻh@E2`8/ܐa7bjZM33Vh`acue1&}}nn,V̤RîKT\hVvkovoeJM#Tk/PvB1Wnm#s9~ t;Q d!$ \A=Ol`^C|?x9tLݢ/!G_AB|W$=H[.YtmsAzDKmʊU#N % 0Y #?( b( mw#^ '43G 0UV 0 0Ez 0| 0_ 0? 0 0 0 0C 0 0 0 0` 0. 0 0 0 0@F 0 0Z! 0+" 0" 0# 0$ 0Q% 0& 0& 0<' 0' 0f( 0) B) B)))f*a**7*fO+aQ+fe+e+e+e+e+e+e+e+e+e+e+e+Sg+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+g+N,,,,, 1,, 0vM-M-M-M- 0v11 09696 0u:: 0w0;0; 0;; 0D<D< 1u = = = = = = = B~=3============ 72>a?/?? 1C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?C?U:????M@@@@ B,-"@"@"@"@"@"@ 0O@O@ 0DE&d9 Z6Times New Roman RegularX(1$ IS , .\R6&A4\X_XXXTRW<6&A4W<6&A4 6&A4 6&A4T ? 9XX_-?vbX-#ggdd  80dd8ISUS.,     \\app01\AdobePS Tektronix Phaser 7400 \\MIMIR\FORRIT\WORDPE~2\template\SKJRIT~1.WPTU\\MIMIR\FORRIT\WordPerfect Office 2000\template\SkjritunY2k.wpt c-s 7|-rirs?g3|x*+ (_2623  ..*G+M (_25   /%M M U] e /23  ..  5+ M U] e 5  *D+M (_24   ," U] e ,23  ..  5+ M U] e 5  *A+M (_23  ` ) U] e )23  ..  5+ M U] e 5  *>+M (_22   &UU] e &23  ..  5+ M U] e 5  *;+M (_21   #] e #23  ..  5+ M U] e 5  *8+M (_20  h  ] e 23  ..  5+ M U] e 5  *5+M (_19   ]] e 23  ..  5+ M U] e 5  *2+M (_18    e 23  ..  5+ M U] e 5  * (_1723  Ԁ*GM (_16   /%M M U] e /23  Ԁ  5+ M U] e 5  *DM (_15   ," U] e ,23  Ԁ  5+ M U] e 5  *AM (_14  ` ) U] e )23  Ԁ  5+ M U] e 5  *>M (_13   &UU] e &23  Ԁ  5+ M U] e 5  *;M (_12   #] e #23  Ԁ  5+ M U] e 5  *8M (_11  h  ] e 23  Ԁ  5+ M U] e 5  *5M (_10   ]] e 23  Ԁ  5+ M U] e 5  (2M &_9    e 23  Ԁ  5+ M U] e 5  ( &_823  (GM &_7   /%M M U] e /23   5+ M U] e 5  (DM &_6   ," U] e ,23   5+ M U] e 5  (AM &_5  ` ) U] e )23   5+ M U] e 5  (>M &_4   &UU] e &23   5+ M U] e 5  (;M &_3   #] e #23   5+ M U] e 5  (8M &_2  h  ] e 23   5+ M U] e 5  (5M &_1   ]] e 23   5+ M U] e 5  &2M $_    e 23   5+ M U] e 5  6@ 34heading 1   IS XXX     US   <:Default Para.;;,Title     IS    US   :>>8Body Text 2     UK        US   6;;4Body Text     UK XXX   US     d[ [dTable_A - a/'ISUS.,,,..XXXX? XX-?vbX-#ggdd  ISIS,.   _ԀTable_B I e/)ISUS.,,,..XXXX? XX-?vbX-#ggdd  ISIS,.   _>? Ҁikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(N3/$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TXmXXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XXm-?vbX-#ggdd  8fdXXd8ISIS,.      (N3/$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TXmXXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XXm-?vbX-#ggdd  8fdXXd8ISIS,.      (Z3$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TXmXXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XXm-?vbX-#ggdd  8fdXXd8ISIS,.       d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a)% %d ) g+ISUS.,,,..XXXX? XX-?vbX-#ggdd  ISIS,.   d  ݀qi)Table_C %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular)Hairline d(`H20$ !ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TXmXXXTRV<6&A4V<6&A4 6&A4 6&A4T ? XXm-?vbX-#ggdd  8fdXXd8ISIS,.          0  9Ԁ(#$  0   !ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XX-?vbX-#ggdd  8n`dd8ISIS,.      _ _ikmo(%03q6E 9128.lggjafarYing2002!2003. ( Xskj.606"355.ml.     Az@XX_Nefndarlit_ # Az#Ԉ  umfrv.till.umbreyt.l.nr.45/1999,umLfeyrissj;Wsj;manna.   @\ \ Frminnihlutaefnahagsog_viWskiptanefndar_. K #    MinnihlutinnmunekkistandagegnmlinuenY;veitaYvbrautargengimeWmjg_eind    regnum_Ԁfyrirvaraogtilvsunsj;narmiWsemmargofthefurveriWvakiWmlsumrWum   AlYingiundanfrnumrum.stWaYessaWundirritaWurmunekkigangagegn_lagabreyt wO  ingunum_ԀersaWstj;rnLfeyrissj;Wssj;mannaekkiannarrakostavllgumsamkvmt B  enaWgrpatil_rWstafana_ԀtilaWbtafjrhagsstWusj;Wsins.      Lj;steraWrmlega7,5milljarWa_kr_.vantaruppaWLfeyrissj;Wursj;mannagetistaWiW   undirskuldbindingumsnumsamkvmt_tryggingafrWilegri_Ԁttektlokrsins2001._Heildar {  skuldbindingar_Ԁsj;Wsinseruum8,8%meirieneignirhansoghefurstaWanversnaWfrYv nF semvarrslok2000Yegarmismunurinnvartp6%. 9   Samkvmtlgumumskyldutryggingulfeyrisrttindaogstarfsemilfeyrissj;Wam  _heildarstaWa_Ԁlfeyrissj;Wsaldreiveraverrien10%af_heildarskuldbindingu_Ԁogjafnframtm  staWanekkiveraverrien5%samfelltfimmr.StaWaLfeyrissj;Wssj;mannaeraWsnnu r innanYessrammasemlginsetjaYarsem_heildarstaWan_Ԁerinnan10%markannaoghnvar e= innan5%markannafyrirtveimurrum.0skUrslu_Talnaknnunar_ԀkemurhinsvegarframaW 0 YaWsnokkuWlj;staWstaWanmunifaraniWurfyrirYessimrknstari.    Lfeyrisrttindisj;mannahafatrekaWveriWskertmeWlgumundanfrnumrumenrtt  indinvoruskertum11,5%riW1999ogafturum12%riW2001.EWlilegteraWspyrjahvers i vegnakomiWsfyrirLfeyrissj;Wisj;mannaeinsograunbervitni.EkkiereinvrWungutil \4 vxtunarfjrmunumsj;WsinsaWltaheldurberaWbeinasj;numaWbyrgWtgerWarmanna ' ogYekkisWurrkisvaldsins.    undanfrnumYingumhefurGuWj;nA.KristjnssonalYingismaWurflutttillgurumaW  btastWuLfeyrissj;Wssj;mannaoghefurhannkallaWtilbyrgWarbWitgerWarmenntil `  aWgreiWahrraiWgjaldsj;WinnogrkisvaldtilaWveitafjrmunuminnsj;Winnvegnavan S+! efndafrfyrritW.UndirritaWurhefurtWstuttYennanmlflutning. "   FyrstaWbyrgWtgerWarinnar.Lj;steraWLfeyrissj;Wursj;mannaYarfllumWrumlf # eyrissj;WumfremuraWaxlabyrWarvegna_rorkugreiWslna_._SlysatWni_ԀogekkisWurlag  $ _stoWkerfi_ԀlkamansveldurYvaWsj;mennfarahlutfallslegafleirirorkuenaWrarstttir. !W% :eWlilegteraWsj;mennYurfifullorWinsaldriaWaxlaeinirYennankostnaWsemhlUstaflagi J""& atvinnugreininni.Einsogframkemur_samanburWartflu_ԀfylgiskjalisemfenginerfrLf #' eyrissj;Wisj;mannanemagreiWslurvegnarorku43%afllumgreiWslumrYessumsj;Wi #( samanboriWviW20!25%rWrumst;rumlfeyrissj;Wum.AfYessusstaWLfeyrissj;Wursj; $ ) mannavirkareinsog_tryggingasj;Wur_ԀfyrirtgerWina.AfYeimskumersanngjarntaWat v%N!* vinnurekendur,Yessutilfelli_tgerWarfyrirtkin_,leggimeiraafmrkumtillfeyrissj;Wsins A&"+  vegnamikillatgjaldasemstafaaWst;rumhlutabeinlnisaf_vinnuaWstWum_Ԁsj;manna.  '", 9 y_     &   byrgWrkisvaldsinsYessumefnumereinnigmikil.riW1981vargertumYaWsrstakt ( samkomulagaWsj;mennafsluWu'(1srtilteknumhlutfiskverWi(2!3%)gegnYvaWrkissj;W  urstWistraumafYeimkostnaWisemhlytistafYvaWsj;menngtultiWafstrfumviW60  raaldur.ViWYettasamkomulaghefurrkissj;WurekkistaWiW.0trekaWhefurveriWgefinn a drtturumaWtilgreinakmistuWningurrrkissj;Wi.NverandifjrmlarWherrahefur T, hinsvegarvsaWlluslkubug.MinnihlutinnhveturtilYessaWsafstaWaverWiendurskoW  uW.    XrbreytingarsemfrumvarpiWfelursrnrttindumsj;WsflagamunuekkileiWatil   skerWingarrttindumYeirrasemhafahafiWtkulfeyrisogYrbreytingarsemgerWareru  X makalfeyritilframbWarerualdurstengdar,YannigaWYrbitnaekkiYeimsemfddir K #  erufyrir1945,aukYesssemmakimunbaviW;skertanlfeyrisvolengisemhannhefurbarn    framfriyngraen19raeWaer50%ryrki.XerulagWartilbreytingaraldursmrkum    viWtkulfeyrismeWhlutfallslegrihkkuneWalkkunlfeyrieftirYvhvenrtakalfeyris   hefst.Lj;steraWstj;rnLfeyrissj;Wssj;mannareyniraWfaraeinsmildilegarleiWirtilaWbta wO  stWulfeyrissj;Wsinsogunnter.MeWhliWsj;nafYessuogaWbWisamtksj;mannaog B  stj;rnLfeyrissj;Wssj;mannastyWjafrumvarpiWmunminnihlutinngreiWafrumvarpinuat    kvWienhveturjafnframttilYessaWmlefniYessalfeyrissj;WsverWiskoWuWfrgrunni.   @ AlYingi,5.des.2002. nF ~@gmundurJ;nasson. ~  Fylgiskjal.  ?uA/) d E? A^u?  u Lfeyrissj;Wursj;manna: 3    Htthlutfallrorkulfeyris!skiptinglfeyriseftirtegundum.   2$  Lfeyrissj;Wursj;mannagreiddi975millj.kr.lfeyririnu2001oghkkuWulfeyris l greiWslurumrm12%frfyrrari.Skiptingmillieinstakrategundalfeyrisrinuvar _7 mjgsvipuWYvsemveriWhefurundanfarinr.HlutfallrorkulfeyriserhsteWa43%af *  heildarlfeyrisgreiWslum.Fr;WlegteraWberasamanskiptingulfeyriseftirtegundumhj ! nokkrumlfeyrissj;Wum. "    V .$ Skiptinglfeyriseftirtegundum!samanburWartafla. @( @ &*34ddd Xdd Xdd X??, , ,0,k0,90,+  4'   /49 =0!:" =Skiptinglfeyris% @3$:" @Lfeyrir : millj.kr. _U=" /   _ *" *Ellilfeyrir 9,!" 9rorkulfeyrir 9,!" 9Makalfeyrir 9,! " 9Barnalfeyrir :0! " : 9/     9Lfeyrissj;Wurverslunarmanna '  '62 ' " '25 ' U '11 'U '3 '" '1.828 ?5U   ?Lfeyrissj;WurinnFramsUn 'v '61 'v" '30 'vU '7 'vU '2 'v" '1.763 ?5vU  ?SameinaWilfeyrissj;Wurinn 'N& '64 'N&" '18 'N&U '16 'N&U '2 'N&" '1.210 ?5N&U  ?Lfeyrissj;Wursj;manna ' '42 '" '43 'U '11 ' U '4 '!" '975 ?5"U  ?Lfeyrissj;WurNorWurlands ' # '55 ' $" '32 ' %U '10 ' &U '3 ' '" '843 ?5 (U  ?Sfnunarsj;Wurlfeyrisrttinda '^ 6) '50 '^ 6*" '38 '^ 6+U '9 '^ 6,U '3 '^ 6-" '214 ?5^ 6.U  ?Lfeyrissj;WurinnLfiWn ' / '51 ' 0" '30 ' 1U '17 ' 2U '2 ' 3" '178 ?5 4U  ?Samvinnulfeyrissj;Wurinn ' 5 '68 ' 6" '16 ' 7U '15 ' 8U '1 ' 9" '716 ?5 :U  ?Lfeyrissj;WurAusturlands 'n F; '43 'n F<" '45 'n F=U '9 'n F>U '3 'n F?" '321 ?5n F@U  ?Lfeyrissj;WurVestfirWinga ' A '45 ' B" '37 ' CU '14 ' DU '4 ' E" '288 ?5 FU  ?Lfeyrissj;Wurlkna ' G '79 ' H" '9 ' IU '12 ' JU '0 ' K" '244 ?5 LU  ?Lfeyrissj;WurverkfrWinga '~V M '76 '~V N" '10 '~V OU '13 '~V PU '1 '~V Q" '117 ?5~V RU  ?Lfeyrissj;Wurbnda '. S '71 '. T" '18 '. UU '9 '. VU '2 '. W" '515 ?5. XU  ?Lfeyrissj;WurSuWurnesja ' Y '49 ' Z" '40 ' [U '9 ' \U '3 ' ]" '421 ?5 ^U  ?Lfeyrissj;WurVestmannaeyja 'f _ '40 'f `" '45 'f aU '13 'f bU '3 'f c" '243 ?5f dU  ?Lfeyrissj;WurVesturlands '> e '56 '> f" '34 '> gU '8 '> hU '3 '> i" '250 ?5> jU  ?Lfeyrissj;WurSuWurlands ' k '50 ' l" '39 ' mU '6 ' nU '4 ' o" '143 ?5 pU  ?Lfeyrissj;WurBolungarvkur 'vq '46 'vr" '40 'vsU '12 'vtU '2 'vu" '43 F5vvU  /FAllirlfeyrissj;Wirsamtals(54sj;Wir) =,!}Uw =66 =,!}Ux" =16 =,!}UyU =16 =,!}UzU =2 =,!}U{" =Ѐ22.184<20}U|U /    <#9(#(  LfeyrisgreiWslurLfeyrissj;Wssj;manna2001og2002. ( (} B*78dd   0k0k90934??,D ,F , , ,u p+  7*~ / 79 </!""   <2002 </!""   <Hlutfall </!""   <2001 </!""   <Breytingmillira H>,"" /    HEllilfeyrir 0& 0485.553.658 9/!U 942% 9/!U 9410.489.600 9/!U 918,3% H>,U   Hrorkulfeyrir 0&r 0503.265.739 9/!rU 943% 9/!rU 9418.880.094 9/!rU 920,1% H>,rU   HMakalfeyrir 0&J" 0124.437.732 9/!J"U 911% 9/!J"U 9107.744.872 9/!J"U 915,5% H>,J"U   HBarnalfeyrir 0& 040.614.828 9/!U 94% 9/!U 938.107.689 9/!U 96,6% XG,U   XSamtals @/! @1.153.871.957 @/!U @Ј @/!U @975.222.255 @/!U @18,3%<20U     <#9E#7E  FjldilfeyrisYega2001nokkrumlfeyrissj;Wum. mEU- mE M*9ddD DF F  u pu78??, ,B , , , , , +  9 4'88 /4#9O#9 9,!g?" 9#9"P#9Lsj. g? sj;manna 9,!" 9Lsj. g? verslunarm. 9,!" 9Lsj. g? FramsUn 9,!" 9SameinaWi g? lsj. 9,!" 9Lsj. g? NorWurlands 9,!" 9Lsj.Vest g? mannaeyja E;," /   E#9P#9Ellilfeyrir   1.284 'U '3.010 'U '5.774 'U '1.838 'U '2.228 'U '336 6,U  6rorkulfeyrir  g 882 'gU '1.155 'gU '1.997 'gU '442 'gU '1.013 'gU '258 6,gU  6Makalfeyrir  ? 499 '?U '835 '?U '1.108 '?U '830 '?U '611 '?U '118 6,?U  6Barnalfeyrir   507 'U '498 'U '506 'U '175 'U '335 'U '110 F5U  FSamtals =,!  =3.172 =,! U =5.498 =,! U =9.385 =,! U =3.285 =,! U =4.187 C2! U C822B86 U     B#9#S#O