WPCI2 ")2|`HmnLeo%c2(I{Vx0 +D6I]5'@.@ց ;D.q]t+`%c,,,ei_H[ H/e'υ@(ϫ>uUf;ǙN\_ʈ -F յɅ[?H7L]cna mw4^ /( 0(W B%-Z 0; 0DAfaf D- AauuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuuN 1 0    0/#/# 0B&B& 0ua)a) 0w)) 0M*M* 0** 1u++($,$, BL-L-L-L-$i-i-i-i-i-i-i-i-i-i-i-i- 72.... 1.....................U:`/`/`/`/M////D//////(00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000 1 1 1 1 1 1@ 1oo1&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF  0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wpt UjGrirs?gt{G3|x %y_($)Hairline d8DocumentManagement::ModifiedBooleanTRUE(%2f$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 3XX0?vvbX0#ggdd  83dd8ISUS,.     ^^`     0  0  (#$  0  jTABLE A6)!dxdx5&Draw Object =8C HKKKKTABLE Bikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3{y$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 3XX0?vvbX0#ggdd  83dd8ISUS,.     ^^`   (3{y$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 3XX0?vvbX0#ggdd  83dd8ISUS,.     ^^`   (3_$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 3XX0?vvbX0#ggdd  83dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a)  a{y',..,XcXXX? =XXc0?vvbX0#ggdd  ISUS,.   ݀_ d  g_+,..,XcXXX? =XXc0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular : e{y),..,XcXXX? =XXc0?vvbX0#ggdd  ISUS,.   _>? ҀLevel 1Level 2Level 3Level 4Level 5< WPC*j L51351  L y!,..,XcXXXTRW6&A4X3' Letter 6&A43'LetterT ? =XXc0?vvbX0#ggdd  8=dd8ISUS,.     ^^`   _ >?  _ikmo(%03qs  9145.lggjafarYing2015!2016. ( Xingskjal528"304.ml.    2.umrWa.     jv=  Nefndarlit#= jv#     umfrumvarptilfjraukalagafyrirriW2015.   Frmeirihlutafjrlaganefndar. K #    NefndinhefurhaftfrumvarpiWtilumfjllunarfr10.n;vembersl.ogfengiWsinnfund    fulltrafjrmla-ogefnahagsrWuneytisinstilaWfarayfirhelstuYttiYess.Einnighefur   nefndinleitaWskUringaeinstkumgjaldatilefnummeWYvaWffulltravelferWarrWu wO  neytis,innanrkisrWuneytis,mennta-ogmenningarmlarWuneytisogatvinnuvega-ognU B  skpunarrWuneytissinnfund.      NefndinhefursrstaklegakynntsrYrjmltengslumviWfrumvarpiW.0fyrstalagi   Yr;untgjaldaogfjrveitingavegnahlismlakjlfarfl;ttamannavandansEvr;pu.Innan {  rkisrWuneytiWhefurfariWyfirYaumlnefndarfundi.0WrulagivarfariWtarlegayfirtil nF lguumheimildtilYessaW0slandverWistofnaWiliaWInnviWafjrfestingabankaAsu.0YriWja 9 lagikomufulltrarVegagerWarinnarfundnefndarinnarvegnatillagnaumtgjaldaheimildir  frumvarpinu.    Samtalsgerirmeirihlutinnbreytingartillgursemnema5,3milljrWumkr.tilhkkunar r teknaog5,0milljrWumkr.tilhkkunargjalda.RekstrarafgangureykstYvltillegafrYv e= semtlaWvarfrumvarpinueWaum0,3milljarWakr. 0   BtliterfyriraWafkomanverWinokkuWbetrientlaWvarfjrlgumrsins.Samtalser  nreiknaWmeWaWtekjurrkissj;WsverWi31,7milljrWumkr.hrrientlaWvarenm;ti  veguraWtgjldinhkkaum14,4milljarWakr. i   hrifbreytingannafrumvarpiWmsjeftirfaranditflu. \4 *ddd Xdd Xdd X>>,^ , P, P, P, P, P+  6% 6_=0milljrWumkr. @/!  @Fjrlg2015 @/!  " @Fjraukalaga  ! frumvarp @/!"" @Breytingar  # tillaga2.umr. @/!$" @Samtals @/! %" @Breytingfr  & fjrlgum G=''"   GFrumtekjur ZP!j( ؃@635؃@Z635,5 yoAj)U ؃@635 ؃@  ;@27;@y27,1 XN@j*U  ;@27 ;@ X6,8 9/!j+U 9669,4 9/!j,U 933,9 G='j-U   GFrumgjld ZP!nF. @567@Z567,6 YOAnF/U @567 @ Y15,1 XN!nF0U  @4@X4,6 xn?nF1U  @4 @ X@587X@x587,3 yoAnF2U X@587 X@  3@193@y19,7 m\FnF3U  3@19  3@ mFrumjfnuWur @/!J"4 @67,9 `O!J"5U  (@12(@`12,0 ~m@J"6U  (@12 (@  @2@~2,2 ~m?J"7U  @2 @  T@82T@~82,1 n@J"8U  T@82 T@  ,@14,@14,2 f\FJ"9U  ,@14  ,@ fVaxtatekjur 9/!& : 918,2 9/!& ;U 9-0,7 YO!& <U  -1Y-1,5 XN@& =U  -1  X16,0 9/!& >U 9-2,2 G='& ?U   GVaxtagjld 9/!!@ 982,5 9/!!AU 9-5,7 9/!!BU 90,4 YO!!CU  @S@77@S@Y77,2 XN@!DU  @S@77 @S@ X-5,3 N='!EU   NVaxtajfnuWur @/!!F @-64,3 @/!!GU @5,0 @/!!HU @-1,9 aP!!IU N-61Na-61,2 `OA!JU N-61 N `3,1 G='!KU   GHeildartekjur 9/!"L 9653,7 9/!"MU 926,4 9/!"NU 95,3 ZP!"OU h@685h@Z685,4 yoA"PU h@685 h@  ?@31?@y31,7 f\F"QU  ?@31  ?@ fHeildargjld 9/!#nR 9650,1 9/!#nSU 99,4 XN!#nTU  @5@X5,0 xn?#nUU  @5 @ @664@x664,5 yoA#nVU @664 @  ,@14,@y14,4 m\F#nWU  ,@14  ,@ mHeildarjfnuWur @/!r$J X @3,6 @/!r$J YU @17,0 TC!r$J ZU # T0,3 sb4r$J [U #   4@204@s20,9 n@r$J \U  4@20 4@  1@171@17,3VLJr$J ]U  1@17  1@ V#=_#  MeWYessumbreytingumverWurheildarjfnuWurrekstrargrunnijkvWurum21milljarW &!^ kr.semer17,3milljrWumkr.betriafkomaengertvarrWfyrirfjrlgum.MeginskUringin &"_ liggurhkkuntekjutlunarum31,7milljarWakr.Tekjutlunfrumvarpsinsbyggist 'o#` nokkrumYttum,YarmeWalendanlegrilagninguvegnasWastliWinsrs,innheimtutlum b(:$a  9  y    fyrrihlutarsinsogYj;WhagsspHagstofunnarfrYvbyrjunjnmnuWar.0kjlfar ( birtingarHagstofu0slandsnUrriYj;Whagssp13.n;vemberhefurfjrmla-ogefnahags  rWuneytiWendurmetiWtekjurrkissj;WsogsrYessstaWbreytingartillgumviWfrumvarpiW.  AllarbreytingartillgurviWtekjuhliWerugerWarsamrWiviWfjrmla-ogefnahagsrWu a neytiW.TvrmeginskUringareruYvaWtekjutlunfjrlagaernhkkuWumsamtals31,7 T, milljarWakr.Annarsvegarhafahrifkjarasamninga,httatvinnustigoghagstWarYj;Whags  horfurleitttilYessaWnertlaWaWskattartekjuroghagnaWbWieinstaklingaogfyrir  tkjaleiWisamtalstil15,1milljarWskr.hkkunarfrfjrlgum.HinsvegarernfyrirsW   aWarWgreiWslurheildhkkaum10,2milljarWakr.frfjrlgum.Xarmunarlangmestum  X arWgreiWslurfrLandsbanka0slandssemnemaum15milljrWumkr.m;tivegurreyndar K #  lgriarWgreiWslafrSeWlabanka0slands.      VirWisaukaskatturogaWrirskattarvruogYj;nustuerutaldirskilaum6,6milljrWum    kr.hrritekjumentlaWvarfjrlgumYrttfyriraWframanafrinuhafiinnheimtanveriW   undirtlunfjrlagaoghnYvlkkuWfrumvarpinu.Aukinveltakomframinnheimtu wO  okt;bermnaWarogYeimgrundvellierutlaWaWtekjurafvirWisaukaskattihkkium6 B  milljarWakr.AWrarbreytingartekjuhliWeruUmisttilhkkunareWalkkunarogmunminni    enYautilefnisemnefndhafaveriW.     gjaldahliWnemabreytingartillgurmeirihlutanssamtals5,0milljrWumkr.Strstaein {  stakabreytinginer3,5milljarWakr.hkkunliWnum09-989:fyrirsWtgjldtilaWmta nF hrifumnUgenginnagerWard;maumkjrhjkrunarfrWingaogflagsmannaBHMogkjara 9 samningasemgerWirvoruseinnihlutarsins.AWrarhelstubreytingarerufyrstalagi835  millj.kr.tilsjkratryggingakjlfarendurmatstgjldummlaflokksins,Yaraf470millj.  kr.vegnalyfjakostnaWar,200millj.kr.vegnatannlkningaog165millj.kr.vegnaYjlfunar. r 0WrulagihkkarframlagtilXj;Wkirkjunnarum370millj.kr.ogmiWasthkkuninviWaW e= framlagrkissj;WsverWireiknaWsamkvmtupphaflegukirkjujarWasamkomulagiogYarmeW 0 aWallaraWhaldskrfursemgerWarhafaveriWtilXj;WkirkjunnarfrogmeWrinu2009verWi  afturkallaWarriW2015.ForsendurYessarartillgueruaWrkiWgerirYaWjafnframtaWskilyrWi  aWkirkjanskuldbindisigtilYessaWhefjaYegarsamningaviWrWurumendurskoWunkirkju i jarWasamkomulagsinssemfelisrendurskoWunallrafjrhagslegrasamskiptarkisogkirkju \4 (Y.m.t.hvaWvarWars;knargjld,jfnunarsj;Ws;kna,framlgtilkirkjumlasj;WsogKristni ' sj;Ws)meWverulegaeinfldunYessarasamskiptaoghagrWinguaWmarkmiWi.0YriWjalagi  hkkavaxtagjldum421millj.kr.samrmiviWendurmetnatlun.0fj;rWalagihkka  framlgtilJfnunarsj;Wssveitarflagasamkvmtlgumumhlutfallafskatttekjum.0fimmta `  lagihkkaframlgsemfjrmgnuWerumeWmrkuWumskatttekjumumsamtals288millj. S+! kr.AWrarhkkanirvegaminna.m;tiveguraWframlgtilatvinnuleysisb;talkkaum500 " millj.kr.samrmiviWsprumminnaatvinnuleysiogfjrmagnstekjuskattursemrkissj;Wur # greiWirlkkarum290millj.kr.  $   VakinerathyglitillgumtilhkkunargjaldafrumvarpinuvegnamlskostnaWar !W% opinberummlum,opinberrirttaraWstoWogb;tumbrotaYolasemsamtalsnema837millj. J""& kr.eWa17%afgjaldahkkunfrumvarpsinsheild.TWkasthefuraWfellaniWurstWurYessara #' fjrlagaliWalokafjrlgumogtelurmeirihlutinnaWYaWskUriaWveruleguleytistWurYess #( aWundanfrnumrumhefurekkiveriWgripiWtilfullngjandiaWgerWatilYessaWdragar $ ) tgjaldaaukninguYessarafjrlagaliWasemhefurveriWlangtumframverWlags-oglaunaYr;un. v%N!*   VaxtajfnuWurbatnarum5milljarWakr.eWasemnemur0,2%afvergrilandsframleiWslu. A&"+ Mestmunarum5,7milljarWakr.lkkunvaxtagjaldasemaWmestuleytiskUristaflgra  '",  vaxtastigirinusemkemurnralfariWframiinnlendumlntkum.:verulegarbreytingar '#- eruerlendumlnumfrfjrlgum&   YrttfyriruppgreiWslurrinuYarsemm;tivegur ( veikingkr;nunnargagnvartbandarkjadal.'(=    EkkiergertrWfyrirhrifumrkissj;WafstWugleikaframlgumslitabafllnubank  annabreytingartillgumviWfrumvarpiWYarsemhrifYeirrakomaalfariWframnstari a ogverWatluWfyrir3.umrWuumfrumvarptilfjrlagafyrirriW2016. T,   UmrabilhefurfjrlaganefndtrekaWvakiWathygliafmrkuWuhlutverkifjraukalaga  semsamkvmtlgumnr.88/1997,umfjrreiWurrkisins,skaltakmarkastviW;hjkvmileg  mlefni,einkum;fyrirsWatvik,hrifnUrrakjarasamningaeWanUrrarlggjafarrinu,en   ekkintilformaumnUverkefni,aukiWumfangstarfsemieWat.d.rekstrarhallaeinstakra  X stofnana.MeirihlutinnteluraWmisjafnlegahafigengiWaWhaldafastviWYauformYegar K #  reynirogoftarenekkihafiskortagarkiskerfinutilaWlagareksturinnaWfjrheimildum    meWhagrWingaraWgerWum.runumfyrirhrunvarumfanggjaldahliWarfjraukalagaoft    bilinu5!8%affjrlgumenYaWhefuraWjafnaWifariWlkkandisWusturum.Nrer   Yettahlutfall3,4%semerlgraenoftWurenbeturmefdugaskal.EfekkihefWireynst wO  nauWsynlegtaWbtaviWfjrveitinguvegnaendurmatslaunaforsendumhefWihlutfalliW B  veriW2,8%enYaWhefuraWeinseinusinniveriWlgrasWastliWnumrum.      0YessusambandivekurmeirihlutinnathygliaWnokkurdmieruumtillgurfrum   varpinusemvafileikuraWfalliundirlagakvWiumfjraukalg.Xarmt.d.nefna60 {  millj.kr.viWb;tarframlagvegnauppsafnaWsrekstrarvandanokkurrat;nlistarsk;la,45millj. nF kr.tilaWgreiWafyrirYj;nustunorskafjarskiptafyrirtkisinsTelenorogframlgvegnataks 9 verkefna,svosemtilaWflUtamlsmeWferWhlismlum.Tvveigamikilmlvorukynnt  fjrlaganefndvor,straxeftirumfjllunumYaurkisstj;rnogtelurmeirihlutinnYaW  verklagtilfyrirmyndar.XaWvarannarsvegar850millj.kr.viWb;tFramkvmdasj;WferWa r mannastaWaoghinsvegar1.300millj.kr.tilVegagerWarinnarvegnabrUnnavega e= framkvmda. 0   MeirihlutinnvekureinnigathygliYvaWviW2.umrWuumfrumvarptilfjrlagafyrir  riW2015varsamYykktaWveitaRkistvarpinu182millj.kr.skilyrtviWb;tarframlagtil  rekstrar.FjrheimildinvarhWYeimskilyrWumaWframfrivinnaviWfjrhagslegaendur i skipulagninguRkistvarpsinsogtborgunfjrinsvarennfremurhWYvaWhaldbrar \4 rekstrartlaniryrWulagWarframYarsemframkmihvernigstarfsemistofnunarinnaryrWi ' komiWrttankjloghngerWsjlfbrtilframbWar.Xettaf;lsraWrekstrartlanirum  starfseminaskylduyfirfarnarafrWherranefndumrkisfjrml.Meirihlutinnhefurekki  fengiWviWunandisvrvegnarekstursins.Stj;rnRkistvarpsinshefurboriWfyrirsigtrnaW `  vegnaskuldabrfssemskrWermarkaWienmeirihlutinnteluraWsskoWunfivartstaWist. S+! JafnframtliggurfyriraWrWherranefndinhefurekkisamYykktrekstrartlanirnar.EnguaW " sWurhefurmeirihlutinnfallistaWumrddfjrveitingverWiekkidregintilbakaYarsem # fyrirliggureindreginnviljirkisstj;rnarinnarYeimefnum.m;tiveguraWekkiergertrW  $ fyriraWbreytingartillagaumauknainnheimtutvarpsgjaldsinstekjuhliWrennisem !W% tgjaldaheimildtilRkistvarpsins.NemursfjrhWum50millj.kr. J""&   0frumvarpinufelsttillagaumaWheimilaRBVohf.aWgangatilsamningaviWReykja #' vkurborgumslul;WarrttindumogverjaandvirWinutillkkunarskuldaflagsins.Meiri #( hlutinnleggurhersluaWtryggtverWiaWllusluandvirWinuverWivariWtillkkunarskulda $ ) enkomiekkiaWneinuleytisemrekstrarframlagtilflagsins. v%N!*   MeirihlutinngerirtvrbreytingartillgurviW2.gr.frumvarpsinsumsj;Wstreymirkis A&"+ sj;WsogeinabreytingartillguviW3.gr.umlntkur,endurlnogrkisbyrgWir.Xerlagt  '", tilaWYremurnUjumheimildumverWibttviW4.gr.frumvarpsins. '#-   GerWergreinfyrireinstkumtillgumgjaldahliWeftirfarandiskUringum.  (z$.   SkUringarviWbreytingartillgurgjaldahliW.   |S;ok$j~1 LpH@@@., L dd*j@E>T L LT  T,    MeirihlutinnleggurtilaWfrumvarpiWverWi samYykkt meWYeimbreytingumsemskUrWar ( hafaveriWoggerWertillagaumsrstkumYingskjlum.    AlYingi,27.n;vember2015. a U*d d^  P P P P P>>,}",}","+  3)T,T, m3VigdsHauksd;ttir,  form.,frsm. 5+d##$$ 5GuWlaugurX;rX;rWarson. 5+##$$ 5smundurEinarDaWason. C9 m ##$$ mCHaraldurBenediktsson. 5+` 8 ##$$ 5PllJ;hannPlsson. 5+` 8 ##$$ 5ValgerWurGunnarsd;ttir./%#` 8  m  ##$$ /