WPC Zj%3Y=~+oR“m8 }Y6RUa=8CH*k?uM znyAwϠ8:wLU\X)4spNRMw?[n Rzt=2w$xAEEfZ6:ޥ=0X0A~ 8uaq`CW6:bZ'tdG gZ=''ҡ~o$W=v^Z*=u= yZ,d%4t-,;jWgxx^+0kw ۹ zp[@1/t`. 7b4nHb~F&o`cIߏ\'܊?(ACl\rxϡ5 d ('@S~gKG/.  JJJJJJJJJJJJJJJJJJJJJJ 1TTTTTTTTTT 1 0 S 0]] 0******* 0u 0wx 0 0 0LQ(  Z6Times New Roman RegularX(VJ$X]XXXTRV6&A4V6&A46&A46&A4T ? XX]0?vvbX0#ggdd  8  d d8ISUS.,    PostScript>tt>0W:\COREL8\TEMPLATE\CUSTOMWP\SKJRI~4T.WPTW:\corel8\template\customwp\Skjritun4.wpt jMkMlMmMnMoMpMqMrMsM%4cp Z "Times Regular)f%ddd|5##37=CIQYag1.a.i.(1)(a)(i)1)a)3|xs d6|o4Heading 1S\  `&Times New RomanS   S\  `&Times New RomanSU6ww4Body Text  S\  `&Times New RomanS  S\  `&Times New RomanS\  `&Times New Roman  6'X}XXX? XX}0?vvbX0#ggdd  ISUS.,   _Ԁ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)ABCD %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ VJ!XXXXTRV6&A4X3' Letter6&A43'T ? \XX0?vvbX0#ggdd  8 O dd8ISUS.,       8)X}XXX? 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FramangreindurtekjuaukingirtilaWfjrlgsUnitekjuafgangsemnemurum2,5milljrWumkr.Fyrir2.umrWufjrlagavarrttumaWYj;WhagsspfjrlagafrumvarpsinsyrWiekkibreyttfyrirYYriWju.NhefurspinhinsvegarveriWendurskoWuWeinsogWursegiroggerirhnm.a.rWfyrirmeirieinkaneysluogminnisamdrttifjrfestingurinu1999ensfyrri.XeraukninginnflutningintalinverWatpt1%nstari,enfyrrispvargertrWfyrir;breyttuminnflutningimillira.  Tillgurumhkkuntgjaldaerusguleguhmarkiognemaum3,5milljrWumkr.ViW2.umrWufjrlaga1999lgufyrirtillgurumhkkuntgjaldaaWfjrhWum1.748millj.kr.MeWtillgummeirihlutansogrkisstj;rnarinnarmilliumrWnahafabstviWrflega1.397,9millj.kr.0raunnemurY;hkkunintpum1.700millj.kr.Yarsem300millj.kr.vaxtaWWgjlderudreginfr.SamtalseruYettaYvtillgurtilaukningargjaldauppum3,5milljVVarWakr.einsogWursegir.XaWmunverastaWreyndaWaldreiWurhafitgjaldahliWfjrUUlagaTTfrumvarpshkkaWsvomikiWmeWfrumnefndarsvoaWhrerumsguleganatburWaWrWa!  MinnihlutinnteluraWYj;Whagstluninnifelistvanmatinnflutningiogfjrfestingu.0YvsambandimnefnaaWinnflutningurertalinnmunuaukastumeinungis0,9%rinu1999samanboriWviW23,3%vxtyfirstandandirisamkvmtsWustutlun.TaliWeraWfjrXXfestingdragistsamanum5%samanboriWviW23%vxtr.XessirYttirgetahafttalsverWhriftekjuhliWina,einkumY;sWariYtturinntengslumviWtekjurafvrugjldum.XtelurminnihlutinnaWmeWtillititilYr;unarsWustumnaWasutekjurafvirWisaukaskattioftlaWarumalltaW2milljarWakr.Yessuri.FyrirYessarioftlunvirWisthinsvegarveratlaWtekjugrunnivirWisaukaskattsinssamkvmtfjrlagafrumvarpinu.XrttfyrirbendYYingarminnihlutansvarhinnb;ginnekkigerWsamsvarandileiWrttingfjraukalgumfyrirriW1998.  XrttfyriraWtlaWartekjurafslueignasuntaldarverWaum1.300millj.kr.hrriensamkvmtfrumvarpinukannYessitekjuliWurennaWveraverulegarangttlaWur.Xannig mbendaaWeftilkemuraWseldurverWium33%hluturLandsbankaogBnaWarbanka  '", &   gtissalagefiWkringum3milljarWakr.viWb;tartekjurnstariaWYvgefnuaWrkisstj;rninseljihlutabrfrkissj;WsmarkaWsverWi.'-  Tekjurrkissj;WshafaaldreiveriWtlaWarhrri,enYrnema184,8milljrWumkr.semerhkkunum9%millira.StaWanerhinsvegarYannigaWtliterfyrirtapafreglulegristarfsemirkissj;Wsefeignasalanertekinfr.MinnihlutinnteluraWflestarYrbreytingarsemtillgurhafaveriWgerWarumtilhkkunarteknahafirauninnilegiWfyrirviWframlagningufrumvarpsins.  MinnihlutinnbendirmikilvgiYessaWtlanirumkaupmttogYr;uneinkaneyslusubyggWartraustumforsendum,enYessirYttirerurWandiumtekjurafskttumeinstaklinga,virWisaukaskatti_o.fl_.SprumYessaYttihafaveriW;trlegafjarrilagisWusturum. Xr;unin1998.      Lj;steraWYj;Whagsforsendurfjrlagarsins1998hafareynstfjarrilagi.EfaWlkumlturmuneinkaneyslaaukastum7pr;sentustigumfram_Yj;Whagsforsendurnar_,fjrfestingumtp22pr;sentustigoginnflutningurumrm17pr;sentustig.XernspWaWrWstfunar__tekjurheimilannaaukistumtp4pr;sentustigumframYaWsemgertvarrWfyrirYj;W``hagsaatlun.  SamkvmtfjrlgumfyrirriW1998vorutekjurrkissj;WstlaWarum165,8milljarWarkr.rekstrargrunni.SamkvmtfjraukalagafrumvarpifyrirriW1998ergertrWfyriraWtekjurnbbaraukistum9,1milljarWkr.frtlunfjrlagaeWasemnemur5,5%.  XrttfyriraWnstefniaWtekjurrkissj;WsYessuriverWiverulegaumframYaWsemfjrlgtluWuhefurrkisstj;rninniekkitekistaWskilarkissj;WimeWafgangi.XannigtelurminnihlutinnaWmiWaWviWYrforsendursemnliggjafyrirverWirekstrarhallirkissj;Wirinu1998aWfjrhW9!10milljarWarkr.XennanhallamaWstrstumhlutarekjatilrekstrarccvandast;rusjkrahsannasemekkivaraWfulluleysturfjraukalgum,aukinnalaunatgjalda,vanmatslfeyrisskuldbindingumogofmatsvirWisaukaskattieinsogWurhefurveriWgetiW. Rkisfjrmloghagstj;rn. ,   Xrttfyrirg;WriWYj;Warbskapnumogst;rauknartekjursamfaraYvhefurrkisstj;rn  inekkinWtkumhallarekstrirkissj;Ws.FyrirliggjandifjrlagatillgurfyrirnstaraWdragddandakosningagefaallsekkivonirumaWgrundvallarbreytingarverWiYar.  MinnihlutinnteluraWviWnverandiaWstWurefnahagslfinusbrUntaWstyrkjatekjugrundvllrkissj;WsognYannigframtveimurmarkmiWumsamtmis,Y.e.aWdragarhallarekstrirkissj;WsogminnkaviWskiptahallannviWtlnd.Efheldurframsemhorfirgtireynst;hjkvmilegtaWgrpatilgengisfellingarkr;nunnartilaWlttaYeimYrUstingisemYreelturviWskiptahalliseturgengiW.Xj;WinYekkirafeiginreynsluafleiWingarslkrar_handffaflsaWgerWar_ԀverWb;lgu,kaupmttogsamkeppnishfiinnlendraiWngreina.  Tekjugrundvllrkissj;WsmstyrkjameWvirkaraskatteftirlitiogsrstkumaWgerWumgegnskattsvikum.XbendirminnihlutinnaWg;WriereWlilegtaWskjaaukiWftilsameigingglegraYarfatilatvinnurekstrarmeWauknumskttumogekkisstmeWbreyttumlagakvWumumfrdrtteinstakratgjaldafrtekjum.XegarverrraWifyrirnokkrumrumvarskttumlttaffyrirtkjumogskattbyrWinfluttyfiralmenning.NsUnistrttitminntilaWsnaYeirriYr;unviWaftur.0framhaldsnefndarlitiminnihlutansumfjrlagafrumvarpfyrirriW1998varYessusambandisrstaklegabentmgulegahkkuntryggingagjaldsog '#- tekjuhhskattsfyrirtki.XliggurfyriraW;notuWyfirfranlegrekstrartpfyrirtkjaskiptamilljarWatugumogverWurrkissj;WurafverulegumskatttekjumvegnaYessaviWYraWstWursemnrkjaYj;Warbskapnum.MgulegleiWYvsambandigtifalistYvaWsetjaYrengritmamrkenngildaumnUtingu_yfirfranlegs_Ԁrekstrartaps.StaWaatvinnurekstrarsemvarslmrabilinufr1990til1995eralltnnurnenYendamiklumlgumafhonumltt.NerstaWafyrirtkjannameWgtumsvosemYarfaWveraogYveWlilegtaWYauleggiframfjrmunitilsameiginlegraYarfaformiskattaogmeWbreyttumlagaiikvWumumfrdrttfrtekjum.  MinnihlutinnleggurYvtilaWtryggingagjaldverWihkkaWum0,5pr;sentustigogYannigverWiaflaWum1,5milljarWakr.viWb;tartekna.Ennfremurerekki;sanngjarntaWleggjatilaWskatthlutfallfyrirtkjahkkifngum39%.nstarigtukomiWtilframkvmda2,5%afframangreindrihkkun.XaWmundihafafrmeWsrum500millj.kr.viWb;tarjjtekjurrkissj;W.heildinatekiWmunduframangreindartillgurYvskilaum2milljrWumkr.  stWaertilaWtrekafyrribendingarumaWheimildirtilnotkunarrekstrartapaeruafarrmarogYurfaendurskoWunarviW.BendamaWeftirgfurlegangr;WabankannasWastliWinrhafaYeirgetaWnUttsrYessarrmuheimildirsnartilfrdrttarvegnauppsafnaWratapa.  MinnihlutinntelurstWutilaWskattarverWilagWirvegnasrstaks_sluhagnaWs_ԀaflaheimildaYegarveriWeraWfrafjrmagntratvinnugreininni.MinnihlutinntelureinnigrkastWutilaWkannahversumikiWfjrmagnhefurveriWfluttrlanditilvarWveislubnkumWrumlndum,enmikilumrWaerYj;Wflaginuumslkaflutningafjrmunum.  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Lntkur,rkisbyrgWirogendurln.  `    Samkvmt5.gr.frumvarpstilfjrlagarsins1999vargertrWfyrirlntkumaWupphW11,6milljarWarkr.,ensupphWerlkkuW2milljarWakr.nviW3.umrWu.stWaYessararbreyttustWueraWfrestaWhefurveriWgreiWslumerlendraskuldaogYessvegnamunnverafyrirhendium6milljarWakr.inneignrkissj;WsSeWlabankanum.EinnigmvsatilendurgreiWsluskuldaLandsvirkjunartilrkissj;WsaWupphW3,5milljarWarkr.XergertrWfyrir2.825milljarWakr.viWb;tarframlagirrkissj;WisemertlaWaWendurlnaYannigaWallserumaWrWa4.825milljarWakr.lnafyrirgreiWslutileinstakrastofnanavegumrkisins.  Stofnunumogsj;WumvegumrkisinseruaukYessheimilaWarlntkuraWupphW47,6milljarWarkr.YannigaWsamtalseruheimilaWarlntkursemnema59,2milljrWumkr.stWahefWiveriWtilaWbeitafluguaWhaldivarWandiYessarlntkurogtengjaYrheimildirslueignarkisins.tlunumslueignarinu1998var7milljarWarkr.Stlungekkekkieftir,heldurnamsalaeigna5milljrWumkr.Yessuri.0trekuWersskoWunaW '#- salaeignaeigiaWgangabeinttilgreiWsluskulda.Hinsvegarerlj;staWefhagnaWurafslueignaernUtturYannigenekkivariWtilgjaldaAhlutaverWursUnilegurhallirkissj;Winstari. TillagatilYingslyktunarumbyggWaml.  Y,   XrttfyrirgagnrUniminnihlutansUmsaYttirkisfjrmlannaeralmennurstuWningurviWYauformsemfelasttillgumumaWgerWirbyggWamlumsemnerutilumfjllunarAlYingi.NauWsynlegteraWspyrnaviWf;tumgegnYeirriYr;unsemveriWhefurf;lksflutningumaflandsbyggWinnitilYttbUlissvWa.MargvslegarstWurhafaleitttilrkjandistands.Xarmfyrstnefna;trlegtandvaraleysirkisstj;rnargagnvartafleiWingumafstj;rnmmunarkerfifiskveiWa,Y.e.st;rfelldritilfrsluveiWiheimildafreinumlandshlutatilannars.XessiYr;unhefurhaftYaWfrmeWsraWbyggWirhafab;kstaflegahruniWefnahagslegutillitiogkjlfarYesshefurorWiWflagslegthrunsamttilheyrandilakaraYj;nustustigi.Xerskorturkennurum,lknumoghjkrunarf;lkiorWinnmikiWvandamlvWalandsbyggWinni.XessutilviWb;tar,oglklegaveigamestiYtturinn,ermikillkostnaWurviWorkunnkaupheimilanna,ensamkvmtranns;knumerhanneinhelstastWabyggWarskunar.MinnihlutinnstyWurtillguum300millj.kr.tilYtttkustofnuneignarhaldsflagalandsoobyggWinnisemfyrirliggur. fangitttilrttltis.  >   MinnihlutinnhefurlagtframnkvmggnummismunungagnvartYeimsembaviWlkkjraldraWra,ryrkjaogfatlaWra,bWieinstaklingumoghj;num.EftirtrekaWar_sanngirniskrfur_ԀumleiWrttingarhafaYeirloksWlastnokkurnskilningsemframkemurltilshttarhkkunb;taogfrtekjumarksnstari.X;vantarverulegaaWmttsYeirrisanngirnisppkrfuaWYeirsembaviWYessikjrfiYrhkkanirsemYeimbermeWtillititilvsitlu_meWaltalslauna_,hvaWYefmiWaWerviWumsaminlgstulaun.  Hkkungrunnlfeyrisum0,35%tilYeirrasemhrumrWirertilskammarogerlangtfrYvaWngjatilaWjafnaYannmismunsemergrunnlfeyriYessarah;pamiWaWviW_meWaltalslaunavsitlu_.Xegarrkisstj;rnvsartil_heimilisuppb;ta_Ԁogsrstakra_heimilisuppb;ta_gleymisthversurWugtaWgengieraWupplUsingumtilviWkomandiaWilaYaraWltandi.MargirvitaekkiumrttsinntilYessaragreiWslnaogYrfstekkinemameWrinnifyrirhfn.HafamargireinfaldlegaguggnaWYvaWnrttisnumtilslkragreiWslna.MinnihlutinnteluraWtilaWrttahlutYessaf;lksverWiaWtakaupptryggingakerfiWfrgrunni.llfrqqvikYarfaWrannsakankvmlegaefumsrstakaraWstWureraWrWa,Y.e.kostnaWumframeWlilegaviWmiWun. Tillgurminnihlutans.   $   WurhefurveriWgerWgreinfyrirtillgumminnihlutansviWYessaumrWuumhkkuntryggingagjaldsogskattalgaWila.XleggurminnihlutinnframtillgurumsrstakargreiWslurtilhkkunargrunnlfeyrisaldraWra,ryrkjaogfatlaWraum476millj.kr.vegnamismunar_meWaltalsvsitlu_ԀlaunaogYesssemhefurveriWgreitttilYeirra.MeWtillgummeirihlutanserlj;staWaWeinsermtthlutaYessarakrafnaeWasemnemur75millj.kr.XvgerirminnihlutinntillguumaW401millj.kr.verWivariWtilhkkunargrunnlfeyristilYessaraaWila.XaWeralgjr;hfaaWrkisstj;rninskuliekkifaraeftirYeimviWmiWunarmrkumsemhnhefursjlfsett.MinnihlutinnbendiraWvegnaatvinnuaukningarvirWasttlaaWsparast230millj.kr.atvinnuleysisb;tumogminnihlutinnhefurYaraWaukilagttil '#- ogbenttekjuaukasemverjamhlutaaftilaWrttaafY;sanngirnisemhrsrstaW.AWaukigerirminnihlutifjrlaganefndartillguumaW14millj.kr.verWivariWtilaWtrUmabiWlistumheyrnarskertrasemnsitjaheimaeinangrunogeinmanaleikavegna_miskunnarrrleysis_Ԁrkisstj;rnarDavWsOddssonarsemgumaraf?_s;lskinsfjrlgum_ ?g;Wrialdarssinnar . ##@ AlYingi,18.des.1998.\ / .UUUUUU??.@ }GsliS.Einarsson,@}frsm. 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