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A&"+   XergerWtillagaumtplega1,5milljarWakr.aukninguframlagavegnahallasjkratrygg  '", ingaliWasemekkihefurveriWbrugWistviWmeWviWeigandirWstfunum.EinkumerumaW '#- rWaumframgjldvegnasjkraYjlfunarsemnemaum660millj.kr.ogerYaW13%umfram (z$. @     tlunfjrlaga.sl.fimmrumhafatgjldtilsjkraYjlfunaraukistum177%eWa3,5 ( milljarWakr.aWnafnvirWi.tlaWeraWnokkriraWrirliWirsjkratryggingaverWiumfram  forsendurfjrlaga,svosemerlendsjkrahsYj;nusta410millj.kr.ogtgjldvegnahjlpar  tkja270millj.kr. a   GerWarerutillgurumsamtals790millj.kr.framlagtilsamgngumlavegna;fyrirsWs T, viWb;tarkostnaWarsemVegagerWinYarfaWgreiWavegnanUsHerj;lfs.Xarerannarsvegarum  aWrWagreiWslurtilskipasmWastWvarvegnalokauppgjrsviWafhendinguskipsinsoghins  vegarkostnaWaraukavegnaseinkunarafhendingutilVestmannaeyjabjar.     nnurtgjaldatilefnivegaminnaogvsasttilgreinargerWarfrumvarpsinstilnnariskUr  X ingaYeim. K #   Endurmatafkomursins2019.       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'   EndurmattgjaldatekurmiWafrauntlumrb;khaldifyrirfyrstuttamnuWirsins,  httumativegnaframkvmdarfjrlagaauktlanaumYr;untgjaldatilram;ta.Veiga  mestutilfellineruYausmuoggerWarerutillgurumfrumvarpinu,svosemvegnaatvinnu `  leysis,byrgWasj;Wslauna,mlefnaaldraWraogryrkjaaukfWingarorlofs. S+!   m;tivegurhelsttillkkunaraWvaxtabturstefnaaWveraum200millj.kr.innan " heimilda.Fyrirutan5,1milljarWskr.lkkunalmennavarasj;WsinsfrumvarpinuertlaW # aWnUtaum2milljarWakr.tilviWb;tarafhonumtilaWvegam;titgjaldaaukaUmsum  $ sviWum,m.a.vegnaendurmatslaunaoggengisforsendum.LoksermiWaWviWaWvaxtagjld !W% getiorWiWum1milljarWikr.lgrientlunfjrlagaYarsemnUYj;WhagsspmiWa r  st viWlgri J""& verWb;lguoglgravaxtastigenvarfjrlgum. #'   XegarumhefWbundinnstofnanarekstureraWrWaergertrWfyriraWumframgjldfrist #( milliraYannigaWrekstrarhallirsins2019leiWitillgrifjrheimildarrsins2020og $ ) stofnanirvinniYuppsfnuWumhallaYvri. v%N!*  Uppgjrrkissj;Wsjanartilseptember2019.  '",    Fjrlaganefndfjallarreglulegaumrshlutauppgjrrkissj;Wsogkallarsinnfundfulltra '#- fjrmlaogefnahagsrWuneytisinsvegnaYeirraogeftiratvikumeinnigfulltraannarra (z$. rWuneytatilYessaWskUrafrvikgjaldaogteknainnanrsins. m)E%/   NefndinhefurfjallaWumnumnaWauppgjrrsins2019,Y.e.frjanartilseptember ( loka.XarkomaframumframgjldmlefnasviWasemmrghverkomaeinnigframfrum  varpinu,svosemvegnamlefnaaldraWra,rorkuogvinnumarkaWsmlavegnaaukinsat  vinnuleysisogbyrgWasj;Wslauna.Tekjureruundirtlunsemnemur16,4milljrWumkr. a ogerYaWaWmestusamrmiviWendurmattekjuhorfumrsinsheild.Gjldin,nfjr T, magnsgjalda,eruheildsinniaWeins3,7milljrWumkr.umframtlunenfrvikerubWar  ttir.    MeirihlutinnteluraWumframgjldrekstribenditilYessaWrWuneytinYurfiaWfylgja   beturverklagilagaumopinberfjrmlvarWandiumframtgjld.XaWbWiviWumaWgerWir  X semgrpaYarftilinnanrsinsogeinnigYaWaWnUtaYaurrWisemlginfelarWherrumaW K #  grpatilWurenkemurtilgreinaaWbeitafjraukalgum,svosemaWmillifrafjrveitingar    innanmlaflokkaeWanUtavarasj;WieinsogtarlegarerfjallaWumhreftir.      MeirihlutinnbendireinnigaWnauWsynlegteraWflutningurinneignaogumframgjalda   milliraeigis r staWmiklufyrrenveriWhefursl.rum.XegarrkisreikningurliWinsrs wO  liggurfyrirttiekkertaWveraYvtilfyrirstWuaWflytjafjrheimildirmillirameWfyrirvara B  umsamYykkiAlYingisfrumvarpiumstaWfestingurkisreiknings.     Almennurvarasj;Wurogvarasj;Wirmlaflokka. {     ViWumfjllunumfrumvarptilfjraukalagaogrshlutauppgjrrkissj;Wsinnanrsins ,  nF  nF glmirnefndinennviWYannvandaaWhafaekkiglggtyfirlitumstWufjrheimildaeinstakra 9 mlaflokkaognotkunvarasj;Wa.FramkvmdviWnotkunvarasj;Wa,ogjafnveleinstakra  safnliWaYarsemYeireruennviWlUWi,erekkiennmarkviss.Xverekkifullkomlegalj;st  hvortrrWilagaumopinberfjrmlhafaveriWfullnUtt.LgingerarWfyrirflutningiheim r ildamillira.HeimilteraWframilliviWfangsefnainnanmlaflokkaogaWendinguaW e= nUtaheimildirvarasj;Wa.ViWframkvmdfjrlagaerstuWstviWYmeginregluaWeftirfyrstu 0 sexmnuWifjrlagarsinserekkihorfttilvarasj;Wa,enbWiviWgerWhttumatsupphafi  rsogviWYriggjamnaWauppgjrerfullstWatilaWbregWastviWmeWmarkvissumhtti  afhendirWuneyta.EftirsexmnaWauppgjrogennfrekarviWnumnaWauppgjrerstWa i tilaWtakafastaritkumverklagiviWnotkunvarasj;Wafastaritkum. \4   NefndinteluraWviWframkvmdfjrlagaverWiYettaverklagaWveramunmarkvissaraen ' veriWhefurframtilYessa.ViWframlagningufjraukalagafrumvarpshaustiW2020verWuraW  gerarWfyriraWYettaverklagverWiaWfullukomiWtilframkvmda.LiggjaverWurfyrirskUrt  yfirlitumstWufjrheimilda,rrWiummillifrslurogstWuvarasj;Wa,WurenkvrWun `  umfjraukatillgureruteknar. S+!   NefndinleggurtilaWfjrmlaogefnahagsrWuneytiWvinniaWmarkvissrikynningu " verklagifyrireinstkrWuneyti. #  Breytingartillgur. !W%    NefndinhefurfariWyfirfrumvarpiWmeWfulltrumfjrmlaogefnahagsrWuneytisinsog J""& flagsmlarWuneytisinsogkallaWeftirminnisblWumumeinstkatriWi.Meirihlutinnleggur #' tilnokkrarbreytingartillgursemaWllusamanlgWuleiWatil398,1millj.kr.hkkunar #( gjalda. $ ) Mlaflokkur01.20EftirlitsstofnanirAlYingis. A&"+   GerWertillagaum51,4millj.kr.hkkunfjrheimildarRkisendurskoWunar.Nefndinni  '", hefurboristbeiWnifrforstisnefndAlYingisYarsemtekiWerundirbeiWnistofnunarinnar '#- umeinskiptisfjrveitingu,einkumvegna;skaAlYingisogrWuneytaum;venjumargarog (z$. umfangsmiklarnUjarttektir.AllarbeiWnirAlYingisvarWamlsemeruofarlegabaugi ( Yj;WflaginuogrkisendurskoWandigeturekkieWlimlssamkvmthafnaWaWgera;fyrirsW  arttektir.samatmahefurreynstnauWsynlegtaWgerabreytingarskipulagsogstarfs  mannamlum,m.a.vegnalangtmaveikinda.AfYeimskumer;skaWeftirviWb;tarfjrveit a ingu. T, Mlaflokkur10.40Stj;rnsUslad;msmlarWuneytis.    GerWertillagaum8millj.kr.fjrveitingutilaWstandaundirlgmannsaWstoWogskilum   greinargerWtilMannrttindad;mst;lsEvr;puvegnamlflutningsfyrird;mst;lumvegna  X skipunarfj;rumd;murumLandsrtt.XaWvarsameiginlegtmatrWuneytaaWumvriaW K #  rWamjgmikilvgtmlfyrirhagsmuni0slandsograunarmjgmikilvgtmlfyrird;ma    framkvmdefrideildarMannrttindad;mst;lsinsum6.gr.mannrttindasttmlaEvr;pu.    AfYeimskumvartaliW;hjkvmilegtaWfaWmlinustrrilgmannsstofumeWmikla   reynsluafflutningimlafyrirefrideildd;mst;lsins.Lgmennstofunnarhafaveittrkis wO  lgmanniliWsinniviWundirbninggreinargerWarfyrirvntanleganmlflutningbyrjun B  febrar.    Mlaflokkur23.10SrhfWsjkrahsYj;nusta. {    GerWertillagaum70millj.kr.fjrveitinguvegnanauWsynlegrarendurnUjunaraWal nF rafmagnsdreifikerfiografmagnsstj;rnkerfiSjkrahssinsAkureyri.sWastarivarverk 9 frWistofunniVerksfaliWaWgerahttugreininguogtillguraWrb;tumaWalrafmagns  dreifikerfisjkrahssins.0httumatinukomuframveikleikarsemkveWiWvaraWskoWa  nnar.ViWfrekariskoWunvarlj;staWstandiWvaralvarlegtogrbturnauWsynlegar. r   HeildarkostnaWurviWverkefniWermetinnum110millj.kr.KostnaWurvegnarafdreifi e= kerfisogstUringuarerum94millj.kr.AukYessfellurtilkostnaWurvegnabreytingahsnWi 0 aWupphWum6millj.kr.ogum10millj.kr.vegnakostnaWarviWrWgjfogverkumsj;n.  tlaWurkostnaWursemfellurriW2019er80millj.kr.og30millj.kr.riW2020.Gertvar  rWfyrirfjrmunumvegnarafdreifikerfisinsrekstrartlunsjkrahssinsriW2019enYaW i dugirekkitilYetta;vntaogumfangsmiklaverkefni. \4 Mlaflokkur24.10Heilsugsla.    GerWertillagaum40millj.kr.fjrveitingutilHeilbrigWisstofnunarSuWurnesjatilaWmta  auknulagivegnaaukinsatvinnuleysisumdminu.fundisnumaprlsamYykktirkis `  stj;rninaukiWframlagtilstofnunarinnarenviWgerWfrumvarpsinslWistaWgerarWfyrir S+! fjrveitingunniYeimtmaogerbttrYvmeWYessaritillgu. "   LUWheilsuvsarsemembttilandlknisbirtirsUnaaWUmsirYttirdaglegulfisemhafa # hriflWanogheilsuerulakariSuWurnesjumenannarsstaWarlandinu.SWusturhefur  $ veriWmikilluppgangursvWinu,f;lksfjlgunmeirienannarsstaWarlandinuogfjldi !W% f;lksaferlendumupprunamikillsemgerirstofnuninnierfiWarafyriraWbregWastviWn J""& viWb;tarfjrveitingar. #' Mlaflokkur27.40AWrarrorkugreiWslur(nnurvelferWarml,lfeyristrygg.). $ )   GerWertillagaum210millj.kr.framlagtilviWb;tarviWdesemberuppb;trorkuog v%N!* endurhfingarlfeyrisYegaumsemnemur10Ys.kr.mannfyrirYsemfengugreiddadesemberuppb;t A&"+ frTryggingastofnunrkisinsrinu2019.  '",   SamhliWaYessaritillguverWurlgWframbreytingartillagaviW3.umrWuumfrumvarp '#- tillagaumbreytinguUmsumlgumvegnafjrlagafyrirriW2020(2.ml)tilaWtryggja (z$. @     aWYessiviWb;targreiWslaverWiskattfrjlsoghafiekkihrifaWrargreiWslurtilrorkuog ( endurhfingarlfeyrisYega,svosemhsnWisbturogsrstakanhsnWisstuWning.Mark  miWiWeraWaWrargreiWslurhaldist;skertarYrttfyrirYessauppb;t.  Mlaflokkur32.10LUWheilsa,forvarnirogeftirlit. T,   GerWertillagaum18,7millj.kr.framlagtilembttislandlknissemhefurYurftaWbera  umfangsmikinn;fyrirsWankostnaWvegnaflutningsafBar;nsstg47tmabundiWhsnWi  RauWarrstg10YarsemstarfsmennfundufyrirmiklumeinkennumtengdumhsnWinu   endakomulj;srakaskemmdirogmyglasamkvmtttektverkfrWistofuog;hWsmats  X manns. K #    fallinnbeinnkostnaWurvegnaYessanemur18,7millj.kr.EmbttiWhefurgreittfyrir    srfrWittektirverkfrWistofa,skUrslu;hWsmatsmanns,flutningskostnaWoghsaleiguog    rstinguYarsemflytjaYurftihlutaafstarfsmnnumSk;garhlW6vegnaveikindasemstf   uWuafmyglu. wO  AWrartillgur.      AWaukigerirmeirihlutinnnutillgurtilviWb;tarsemhafaY;ekkihrifheildar   fjrheimildgjalda.XarerUmistumaWrWamillifrslurmillimlaflokka,breytinguhag {  rnniskiptingugjaldaeWatillguumbreyttategundaskiptingufjrlaga. nF   XarvegurYyngsttillagasemtengistbreytingurekstrarfyrirkomulagilgreglubifreiWa 9 meWYvaWmillifra109millj.kr.affjrfestinguyfirreksturlgreglubifreiWa.GerWertil  lagaumaWlkkarekstrarframlagoghkkafjrfestingarframlagum84millj.kr.hjembtti  rkisskattstj;raYarsemfjrfestingtlvukerfumhefurreynstmeirientlaWvarfjrlgum. r AfsamameiWiertillagaumaWmillifra78,2millj.kr.afrekstriyfirfjrfestingarframlag e= hjTryggingastofnunrkisinssemerleiWrttingframlagitengslumviWflutningstofnunar 0 innarYarsemhlutiflutningskostnaWarf;lstfjrfestingu.    GerWertillagaum79,2millj.kr.millifrsluafrekstriUmissaframlagaheilbrigWismla  yfirrekstrartilfrslurYarsemrttar!a!YykiraWflokkagreiWslursemstyrkveitingarenrekstr# i #ar""framlg. a  \4   Xeru20millj.kr.millifrWarafliW$D$%d%;mst;lasUslunnaryfirvarasj;Wd;mst;laYarsem ' rWuneytiWundirbUraWfkkamlaflokkumd;mst;laogstyrkjameWYvvarasj;Wmlefna  sviWsins.StefnteraWtillgumumfkkuninanstutgfufjrmlatlunar.    GerWertillagaumaWmillifra17,5millj.kr.affjrfestingarframlagiHsafriWunarsj;Ws&.&' `  '( `  (yfirfjrmagnstilfrslur. S+!   LoksergerWtillagaumaWmillifra12,3millj.kr.afliWSjkratrygginga0slands,heima " hjkrun*)m)*+,+yfirliWSjkrahssinsAkureyritengslumviWflutningverkefnatilsjkra,,hss- # -ins.  $   )<)<MeirihlutinnleggurtilaWfrumvarpiWverWi samYykkt meWYeimbreytingumsemskUrWar !W% hafaveriWoggerWertillagaumsrstkuYingskjali.#)<)>,}",>",>","+  3)$ )$  m3WillumX;rX;rsson, % * form. 9/%!+##$$ 9HaraldurBenediktsson, % , frsm. 8.%!-##$$ 8NjllTraustiFriWbertsson. 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