WPC& mTZՏ:A5ʬ?D2lD,M+4O)~#Jb~`36ƬՓh-v?(+ 1R`CG;55Z7Zv T.iadв*X<WZq/WK`כvk@KΉV&Ul"N/GW@(bNA~etdS ?/0. iӴ~8~UYRͰf0%`6dM;yL82&Xb}kN==ƺt[nHê87wdwɕGyձEN-r2bIuYwwiiC\7،CJa_Z3GsI~5kS(@йz Rff Z<`BXqz)_j8IQMT&AvUN" %p 04v # ^k^' m)w@4D^ Xdddd*ssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssssN 1 0Q0000 0Q 0] 0u/ / 0w 0!! 0!! 1u}"}"}"}" B""""6############ 72E$E$/w$w$ 1$$$$$$$$$$$$$$$$$$$$$U:G%G%G%G%M%%%%V%&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    \\clust02\ps_pdf_prentun0\\MIMIR\FORRIT\WP2000\template\SKJRIT~1.WPT\\MIMIR\FORRIT\WP2000\template\SkjritunY2k.wptUdXs1ό|)rirs?g\f~1s 3|x  a9'ISUS.,,,..XXXX?  XX0?vvbX0#ggdd  ISIS,.   ݀ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()39$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? 5tXX_0?vvbX0#ggdd  8\5d8ISIS,.     ()39$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? 5tXX_0?vvbX0#ggdd  8\5d8ISIS,.     (53N$ Z!ISUS.,,,..TRV<6&A4X3' Letter 6&A43'TX_XXXTRV<6&A4V<6&A4 6&A4 6&A4T ? 5tXX_0?vvbX0#ggdd  8\5d8ISIS,.      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 , gN+ISUS.,,,..XXXX?  XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e9)ISUS.,,,..XXXX?  XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ Z!ISUS.,,,..TRW<6&A4X3' Letter 6&A43'TXXXXTRW<6&A4W<6&A4 6&A4 6&A4T ?  XX0?vvbX0#ggdd  8ldd8ISIS,.     _ >?  _ikmo(%03q 9131.lggjafarYing2004!2005. ( Xskj.495"76.ml.     `z @ Framhaldsnefndarlit#  `z#   umfrv.tilfjraukalagafyrirriW2004.   @  Fr1.minnihlutafjrlaganefndar. K #   Inngangur.       ViW3.umrWuumfrumvarptilfjraukalagafyrirriW2004eruekkilagWartilfrekari   tgjaldaheimildirafhlfumeirihlutafjrlaganefndar.XaWvirWastYvekkihafafalliWrkis wO  sj;WneinarnUjarkvaWirfrYvaW2.umrWaf;rfram.X;ttUmislegtmegifinnaaWtillgum B  frumvarpinumeWtillititilfjrreiWulagatelur1.minnihlutiaWumgengnimeirihlutafjr    laganefndarumfjraukalagafrumvarpiWhafibatnaWundanfrnumrum.Hinsvegarskortir   mikiWaWfjrlgogfjraukalgsuunninafYeirrifagmennskusemgeraverWurkrfutil. {    Heildartgjaldaheimildrsins2004nemur284,6milljrWumkr.Btgjldsamkvmtrkis nF reikningirsins2003nmu280,7milljrWumkr.YannigaWtgjaldaukninginmilliraer 9 tluW1,4%.XettaverWur;venjug;Wurrangurefhannnst.EnYvmiWurerlklegraaW  Yettaendurspegliveikafjrmlastj;rn,Y.e.afleiWingYessaWviWurkennaekkifjrhagsvanda  fjldastofnanaviWgerWfjrlagahverjusinni.XrttfyriraWsettarhafaveriWreglurumfram r kvmdfjrlagavirWistverulegaskortaaWYeimsframfylgteinsogsWarverWurvikiWaW e= Yessunefndarliti. 0  Fjrmlastj;rnhinsopinbera.     :verulegarbreytingarverWaafkomurkissj;Wssamkvmtfrumvarpinu.BWitekjurog i gjlderutalinaukastum9,3milljarWakr.TekjuaukinnfylgirYeirriuppsveiflusemveriW \4 hefurefnahagslfinuyfirstandandirioggtijafnvelorWiWmeirienhrertlaW.XaWer ' hinsvegartgjaldastUringeWaskorturhennisemerhyggjuefniWtmumvaxandiYenslu.  EinstkrWuneytivirWastekkirWaviWaWstj;rnafjrmlumstofnanasinnaogfjrmla  rWuneytiWvirWistekkihafagetueWaYortilaWtakaYessuvandamlirWuneytanna. `    XaWt;kfjrmlarWuneytiWtvomnuWiaWskilaupplUsingumtilnefndarinnarumstWu S+! A-hlutastofnanamiWaWviWlokseptemberenrWuneytiWtreystirsrhinsvegarekkitilaW " tlastWusmustofnanaumnsturam;t.SamtsemWurliggurfyrirYinginufrumvarp # tilfjrlagafyrirriW2005YarsemteknarerukvarWanirumrekstrargrundvllsmustofnana  $ fyrirnstar.AWgeraslktnYessaWhafahugmyndumhvernigtgjldkomatilmeWaW !W% Yr;asttillokarsinsersrstakthyggjuefni. J""&   0YessusamhengiereWlilegtaWspyrjahvortstofnunumsgertskyltaWskilainnrekstrar #' tlunumfyrirriWheildoghvortslkarrekstrartlanirsuekkinotaWarsemstj;rntki #( innanrsinsogendurmetnareftirYvsemYrfer.XvmiWurvirWistsvariWviWbWum $ ) Yessumspurningumveranei.StrrifyrirtkiogsveitarflghrlandiviWhafaekkislk v%N!* vinnubrgW. A&"+    '", 9 y_   Tillg& a  urogfjrreiWulg.  (   ViWskoWunYeimviWb;tarfjrveitingumsemgerterrWfyrirfrumvarpinuererfittaW  ttasi'a(ghvaWareglurgildaumtilurWYeirra.0frumvarpinukemurframaWtillgurnarsu  samrmiviWframvindurkisfjrmlaYaWsemaferrinuogaWtekiWstillittilnUrralaga a setninga,;fyrirsWratgjalda,breytingaforsendumogkvarWanarkisstj;rnarumnU T, tgjld.    XervakinathygliYvaWekkierbeintsamhengimilliYeirrafjrheimildasems;tter  umfrumvarpinuogtlaWratgjaldarinu.KemurYareinkumtvennttil.Annarsvegar   erufrumvarpinuveittarfjrheimildirtilumframgjaldafrfyrrirumsemYegarhafaveriW  X gjaldfrWarreikningumrkissj;Ws.HinsvegarverWaekkillumframtgjldbttrinu K #  ogreynslansUniraWfjrheimildirverWaekkiaWfullunUttarrinu.Xannigflytjast;nUttar    fjrheimildirogumframtgjldmilliraogbtastviWeWadragastfrtgjaldaheimild    nstars.     HrermeWWrumorWumveriWaWfarabakviWfjrlgin.VissulegaeigastofnaniraW wO  hafakveWiWsvigrmtilaWfraverkefnimillira.EnYegarlj;steraWyfirfrWskulder B  orWinsvomikilaWstofnungeturekkigerthanauppnstarinemameWYvaWskerWa    reksturinnverulegaberframkvmdarvaldinuaWvsamlinutilAlYingis.XaWerAlYingisem   takakvrWunumaWbtahallaeWatakameWvitaWakvrWunumaWskerWatilteknaYj;n {  ustu.TilYessaWYaWshgtverWaallarupplUsingaraWliggjafyrir.Samagildirumstofnanir nF semsfelltsafnauppfjrheimildum. 9  :vnduWvinnubrgW.     EnneittriWsamYykktirkisstj;rninaWbannastofnunumaW;skaeftirviWtlumviWfjr r laganefndoghafaYannigfrumkvWiaWkomasnumsj;narmiWumframfriviWnefndina. e= Slkafskiptirkisstj;rnarinnar,Y.e.framkvmdarvaldsins,aWeWlileguupplUsingastreymifr 0 stofnunumtilfjrlaganefndareruafar;eWlilegenYvmiWurlUsandifyrirviWhorffram  kvmdarvaldsinstilupplUsinga.    0greinargerWmeWfrumvarpinukemurframaWuppsafnaWurhallareksturstofnanaogverk i efnaerbtturYeimtilfellumYarsemverkefnumerlokiWeWasUntYykiraWkomiWsjafn \4 vgireksturinnogekkiverWiumframhaldandihallareksturaWrWa.XvmiWurYetta ' ekkiviWnemafumtilfellum.OfterveriWeraWbtatgjldvegnavantlunarogrekstrar  hallanYessaWsUntsframaWreksturinnskominnjafnvgi.    0YessusamhengimminnayfirlitfjrmlarWuneytisinsfrYvfyrraYarsemtilteknar `  voruYrstofnanirsemoftasthafaveriWfjraukalgumundanfarinfimmr.Xarkomfram S+! aW100fjrlagaliWirhafafengiWaukafjrveitinguYrisvareWaoftarsWustufimmrum.Xar " afhafa26fjrlagaliWirfengiWfjrveitingarllfimmrinog33fjrlagaliWirhafafengiW # fjrveitingarfjraukalgumfj;rumsinnumafYessumfimm.Xannigervandastofnanavelt  $ framstaWYessaWkomastaWvandanumogleysahann. !W%   Xerrkjandis;siWuraWstofnatiltgjaldasemekkieruheimildirfyrirogfjrlaganefnd J""& ekkigerWgreinfyrireinsogfjrreiWulgsegjatilum.Xettaergert,einsogfjrmlarWherra #' hefuroftlUstyfir,traustiYessaWmeirihlutirkisstj;rnarinnarAlYingistaWfestigjrning #( inneftir. $ )  StaWastofnana.  A&"+   RtteraWtrekaYskoWun1.minnihlutaaWtilYessaWfjrlaganefndhafiYyfirsUnsem  '", nauWsynlegerverWuraWtryggjaaWupphafiYingsliggivalltfyrirtluWfjrhagsstaWa '#- stofnanaviWlokyfirstandandirs.XettaekkisWurviWumafgreiWslufjrlagaYvaWYaW (z$. eru;vnduWvinnubrgWaWsamYykkjafjrveitingartilrekstrarstofnananstarinYess ( aWtakatillittilstWuYeirraumram;t.    TakaYarfvandastofnanastraxoghannkemurframYvaWtilgangslausteraWflytja  skuldiryfirram;tefekkiliggjafyrirraunhfartlanirumaWstofnanirnargetirWiWviW a vandann.SamagildiruminneignireinstakrastofnanaYvekkiersjlfgefiWaWYrflytjist T, milliranathugunar.NauWsynlegteraWviWafgreiWslufjrlagaogfjraukalagaliggifyrir  tluWtkomastofnanamiWaWviWfjrheimildirYannigaWYvsekkifrestaWaWtaka  vandamlumogYessbeWiWaW;efniskomiW.     AfYessumskum;skaWi1.minnihlutieftirYvviWupphaffjrlagavinnunnarbyrjun  X okt;beraWfupplUsingarumstWuallraA-hlutastofnanamiWaWviWlokseptemberogtl K #  aWastWuYeirralokrsins.XaWvarekkifyrren29.n;vembersl.semhlutiupplUsinganna    barst.UpplUsingarnarsUnaaWeinsstWuA-hlutastofnanalokseptember.EngarupplUsingar    eruveittarumtlaWastWulokrsins.EkkiertekiWtillittilYeirraaukafjrveitingasem   YegarhafaveriWsamYykktarviW2.umrWuumfjraukalgfyrirriW2004.Svonavinnu wO  brgWeruekkilWandi.Samterlj;staWfjlmargarstofnanireiganYegarviWslkanfjr B  hagsvandaaWetjaaWefvinnubrgWviWfjrlagagerWinavrumeWeWlilegumhttiyrWitekiW    YeimvandaviW3.umrWuumfjrlgfyrirriW2005enYvmiWurerulitlarlkurYv.     listarWuneytisinseru323stofnanirogvarrekstrarhalli91Yeirrakominnframyfir4% {  lokseptember.EnYaWerYaWviWmiWsemsetterreglumumframkvmdfjrlagaogaW nF kallaviWbrgWafhlfufjrmlarWuneytisinsogviWkomandifagrWuneytis.Af55stofn 9 unummenntamlarWuneytisinsvoru28komnaryfir4%rekstrarhalla.Af12fjrlagaliWum  landbnaWarrWuneytisinsvorusexkomniryfir4%hallaogflagsmlarWuneytinuvorusj  af15stofnunumkomnaryfir4%rekstrarhalla. r   Samkvmtlistanumvantar2,5milljarWakr.lokseptembertilaWreksturinnsinnan e= fjrheimilda.samatmavarrekstrarvandirkishsk;lannaum320millj.kr.Yarafnemur 0 rekstrarvandiHsk;lansAkureyrium190millj.kr.Rekstrarvandiframhaldssk;lannanam  480millj.kr.lokseptemberenvandaYeirraernenneinusinnitekiWYessufrumvarpi  ogkveWiWaWbtastWuYeirraum450millj.kr. i   SumarstofnanirlistarWuneytisinshafalokseptemberfariWverulegaframrfjr \4 heimildum.Xannighefurembttiforseta0slandsfariW86%framrfjrheimildumeWa61,6 ' millj.kr.EmbttiyfirdUralknishefurfariW60%framreWa91,6millj.kr.,LandbnaWar  hsk;linnHvanneyri59%eWa72,8millj.kr.,heilsugslanReykjavkerkomin210,4  millj.kr.framrfjrheimildumeWa26%ogNttrufrWistofnun0slandserkomintpum `  100millj.kr.framyfirfjrheimildeWasemnemur109%. S+!   EWlilegteraWspyrjahverniggeturslktgerst.ErtlanagerWYessarastofnanamolum? " BeramennekkivirWingufyrirfjrlgum?FylgjastfagrWuneytiekkimeWrekstrisinnastofn # anaoggrpatilaWgerWaYegar;efnistefnir?AlYingikrfuYvaWframkvmdarvaldiW  $ svariYessumspurningumogupplUsiafhverjuengintengslvirWastveramillib;khaldsog !W% tlunargerWar. J""&   Lj;steraWeffjrlgrsins2005eigaaWtryggjastofnunumeWlileganrekstrargrundvll #' YarfaWkomatilverulegralagfringa.ReksturopinberrastofnanaekkiaWlWafyrirtk #( rWuneytaogforstWumanna.AlYingiermeWfjrlgumaWkveWaaWtilteknaYj;nustuskuli $ ) veita.TeljirWuneytinekkiunntaWframfylgjaYeirrastefnusemfjrlgmarkahverjusinni v%N!* YarfaWleitaskUringaYv. A&"+   FjrmlarWuneytiWverWuraWbeitafagrWuneytiagaogsamagildirumfagrWuneytin  '", gagnvarteinstkumstofnunum.RWuneytinYurfaeinnigaWgtaYessaWtakaekkikvarW '#- anirumtgjldnYessaWheimildliggifyrirYrttfyrirYskoWunfjrmlarWherraaWslkt (z$. slagivegnameirihlutarkisstj;rnarinnarAlYingi.MliWsnUstumYaWhnotskurnaW ( rWuneytingetaekkitlasttilaWstofnanirberivirWingufyrirfjrlgumefYaugeraYaWekki  sjlf.EnmeWantlanagerWintekurekkimiWafstaWreyndummunufjrlgekkinaWvirka  semaWhaldrkisrekstri. a  LokaorW.     X;aWnokkuWhafiunnistundanfrnumrumvarWandiumgengnirkisstj;rnarogmeiri  hlutansAlYingilgumumfjrreiWurrkisinsvantarennverulegauppaWeftirYeimlgum   sfariWeinuogllu.MeWansvoermunufjrlginekkiverasrammisemYaueigaaWvera  X umrkisreksturinn.MeWanYessivinnubrgWrWafrogmeiriherslaerlgWglansmyndir K #  enraunverulegatlunargerWmunufjrlgogfjraukalgekkifYannsesssemYeimber    fjrmlastj;rnrkisins.      GuWj;nA.KristjnssonsatfundinefndarinnarsemheyrnafulltriogersamYykkur   nefndarlitiYessu. wO  @ AlYingi,30.n;v.2004.    E { .UUUUUU>>.@))|EinarMrSigurWarson, E  @|frsm.   @  AnnaKristnGunnarsd;ttir. E  @ii/xHelgiHjrvar. E  .UUUUUU> > . ~ rqI@J;nGunnarsson.