WPC[ QnYpf{ s0R .1AW(Č8ő BJ* S(UN`.p|׻oU9|îd^% RJ8n 1d 6?=BǾLsP&=2,-cc´^ëfUuЂqjmLXj<\k|RfGr#31oP~qvM_%FUCO`EAMrڨl~B\(q(4ݏfjQe%m|>P/[-OZ*c=I ]g2HC5P+\hOϥw(rC{x7UwpGbG0qvqf)3Y*{;Y7aҝ\gu}r91"?(%1eq }UN %$ 0*#!( 4F mH>_w^ 4Z 0(* B-R D- 0l 0D" A\"# 0U# 0"$ 0% 0% 0&/' 0' 0( 0a) 0* 0* 0V+ 0, 0, 0- 0L. 0. 0/ 0/0 00 0Q1 02 02 03 0;4 04 0}5 06 06 0<17 0^m7Uy>8 0" 9 0f+: 0v< 0? 0? 0@ 0`NA 0$B 0C 0hD 0F F 0RG 0:H 02J 0BK 0M 0bM 0N 0O 0|aQ 0 zR 0lWS 0S 0U 0vV 0dV 0~V 0+bsX 0vX 0@KZ 0fZ 0Z 0[ 0\ 0\ 0=]N] 0] 0e^ 0^ 0_ 1` 0` 0>a 0Qd 0d 0oe 0e 0i 0i 0l 0uNm 0m 0wRn 0n 0Xo 0o 0p 0dIq 1ur 0x"s 0pt 0d v Bnw 0xw 0py 0dsz${ 0x| 0ps~ 0 0r 0 0 0 0 0= 0̃ 0[ 72 0/ 0ޅ 1q 0 0 08 0ˈ 0^ 0 0 0 0 0= 0Ќ 0c 0 0 0 0 0B 0Ր 0h 0U: 0Ȓ 0[ 0M 0 0 0> 0E 0ؘ 0k 0 0 0$ 0 0J 0ݜ 0p 0 0 0) 0 0O 0 0u 0 0 0& 0 0D 0Ӥ 0b 0 0 0 0 05 0Ȩ 0[ 0 0 0 0 0: 0ͬ 0` 0 0 0 0 0? 0Ұ 0 0Zy 00ӳ 0- 0*0 0'Z 0$ 0! 0 0 0/ 0,. 0,Z 0& 0& 0# 0  0 02 0L 0 0j 0 0 0 0 05 0 0S 0 0y 0 0 02 0 0X 0 0~ 0 0 0+ 0 0I 0 0g 0 C2 1e 7UE.U 2@U 6rU,UBU, 0B 0^ 00 0 0 0 0o 0> 0 0 0 01 0 0O 0 0m 0 0 0 7 0 0 0C 0 0\ 0 DC  00L  0b|  0.  0H  0T  0td 0J 0" 0f 0ZQ 0W 0T 0QV 0N 0K 0H@ 0. 0 0O  0E! 0BV" 0Z# 00$ 0-"' 0*O) 0'y+ 0$- 0!/ 01 04 76 0h,6 0h77 0h8 0hd: 0h; 0h4= 0h> 0h@ 0hlA 0B 0|gC 0tD 0hWF 0|G 0t;I 0hJ 0|L 0tM 7 OO B+SUNSDTUNTUTU 0UUUUfVaVfVaVfVaVfVaWWWfWaWWWWWWW 1*W 72W 0W 0gX 0Y 0Y 0Z&d9 Z6Times New Roman RegularX($,..,VTRW6&A4W6&A4 6&A4 6&A4T ? VV0?vvbX0#ggdd  8Vdd8ISUS,.     ^^` Adobe PDF0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptcplQ^P/ztJ:i+003|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline d)!dxdx(%2=$ !,..,XNXXXTRW6&A4X3' Letter 6&A43'LetterT ?  XXN0?vvbX0#ggdd  8 dd8ISUS,.     ^^`   -    0  0  (#$  0  &Draw Object =8C HKKKKLevel 1Level 2Level 3Level 4Level 5*+ (_2623  ..*G+G (_25   /%` ` hp x /23  ../%` ` hp x /   *8+8 (_24  ," hp x ,23  ..," hp x ,  *5+5 (_23 ` ) hp x )23  ..) hp x ) ` T : l*umgrum einstakar greinar  Um1  .ۀgr.  umLevel 1Level 2Level 3Level 4Level 5*2+2 (_22  &hhp x &23  ..&hhp x &  */+/ (_21  #p x #23  ..#p x #  *,+, (_20 h  p x 23  .. p x h *)+) (_19  pp x 23  ..pp x   *&+& (_18   x 23  .. x   *AA (_17  5+ ` hp x 523  Ԁ5+ ` hp x 5  *GG (_16   /%` ` hp x /23  Ԁ/%` ` hp x /   *88 (_15  ," hp x ,23  Ԁ," hp x ,  *55 (_14 ` ) hp x )23  Ԁ) hp x ) ` *22 (_13  &hhp x &23  Ԁ&hhp x &  *// (_12  #p x #23  Ԁ#p x #  *,, (_11 h  p x 23  Ԁ p x h *)) (_10  pp x 23  Ԁpp x   (&& &_9   x 23  Ԁ x   (AA &_8  5+ ` hp x 523  5+ ` hp x 5  (GG &_7   /%` ` hp x /23  /%` ` hp x /   (88 &_6  ," hp x ,23  ," hp x ,  (55 &_5 ` ) hp x )23  ) hp x ) ` (22 &_4  &hhp x &23  &hhp x &  (// &_3  #p x #23  #p x #  (,, &_2 h  p x 23   p x h ()) &_1  pp x 23  pp x   &&& $_   x 23   x   <:Default Para<:Fyrirs?gn      IS    S5\  `&Times New RomanS  S5\  `&Times New RomanS    IS \  `&Times New Roman\Zl:Blrutexti Blrutexti StafA  $TahomaA   S5\  `&Times New RomanSX>:Althingi " " Althingi " " "  b e[> } jVC0 n[H4eC b+A`CalibriC23  S5\  `&Times New RomanS..S5\  `&Times New RomanSe[> } jVC0 n[H4e  b XN:Althingi - -Althingi - - -  b e[> } jVC0 n[H4eS5\  `&Times New RomanS23  S5\  `&Times New RomanS..S5\  `&Times New RomanSe[> } jVC0 n[H4e  b fC:Althingi 1 -Althingi 1 - a - 1 -a  b 23  ..  b hC:Althingi a -Althingi a - 1 - a - 1  b 23  ..  b hC:Althingi i -Althingi i - 1 - i - 1  b 23  ..  b T}:Balloon Tex1Balloon Text  A  $TahomaA        S5\  `&Times New RomanS   ^Zl:Balloon TextBalloon Text CharA  $TahomaA   S5\  `&Times New RomanSd:annotation rannotation reference   `:annotation sannotation subject   S5\  `&Times New RomanS             S5\  `&Times New RomanSdso:Comment SubjComment Subject CharWCjp`*Palatino LinotypeW    S5\  `&Times New RomanS Z:annotation tannotation text dWCjp`*Palatino LinotypeW         S5\  `&Times New RomanS  ^pl:Comment TextComment Text CharWCjp`*Palatino LinotypeW   S5\  `&Times New RomanS@yy0DefaultDefaultXXXS5\  `&Times New RomanS       S5\  `&Times New RomanS<.footerfooter     S5\  `&Times New RomanS     >>  e[>>+ } jVC0 n[H4e   S5\  `&Times New RomanS   P8Footer CharFooter Char      \:Fr ...rheFr ...rherra.   S5\  `&Times New RomanS       S5\  `&Times New RomanS   j!:Fyrirsgn -2Fyrirsgn - greinarger#dgg  #dgg  l :Fyrirsgn -1Fyrirsgn - skjalategund     S5\  `&Times New RomanS             S5\  `&Times New RomanSp:Fyrirsgn - Fyrirsgn - undirfyrirsgn   S5\  `&Times New RomanS       S5\  `&Times New RomanS   \:GreinarfyrirGreinarfyrirsgn    T |:GreinarnmerGreinarnmer    <.headerheader     S5\  `&Times New RomanS     >>  e[>>+ } jVC0 n[H4e   S5\  `&Times New RomanS   P8Header CharHeader Char      X:KaflafyrirsKaflafyrirsgn     L |6KaflanmerKaflanmer    X:List ParagraList Paragraph {d   S5\  `&Times New RomanS X       S5\  `&Times New RomanS   \:MillifyrirsMillifyrirsgn 1j:Nmer ings/Nmer ings/skjals/mls   S5\  `&Times New RomanS       S5\  `&Times New RomanS   @0No ListNo Listf:apple-converapple-converted-space8+ ,L17-1L17-1  v 23  ..   8+ ,L17-2L17-2   23  ..   8+ ,L17-3L17-3 j & 23  ..   8+ ,L17-4L17-4  ~ 23  ..   8+ ,L17-5L17-5   23  ..   8+ ,L17-6L17-6 j . 23  ..   8+ ,L17-7L17-7   23  ..   8+ ,L17-8L17-8   23  ..   8+ ,L17-9L17-9 j 6 23  ..   ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.4+ *L2-1L2-1   23  ..   (3$ !,..,XNXXXTRW6&A4X3' Letter 6&A43'LetterT ?  XXN0?vvbX0#ggdd  8 dd8ISUS,.     ^^`   4+ *L2-2L2-2  p 23  ..   4+ *L2-3L2-3 j  23  ..   4+ *L2-4L2-4   23  ..   (3$ !,..,XNXXXTRW6&A4X3' Letter 6&A43'LetterT ?  XXN0?vvbX0#ggdd  8 dd8ISUS,.     ^^`   4+ *L2-5L2-5  x 23  ..   (3$ !,..,XNXXXTRW6&A4X3' Letter 6&A43'LetterT ?  XXN0?vvbX0#ggdd  8 dd8ISUS,.     ^^`    d 4+ *L2-6L2-6 j  23  ..   (M0J$2  0  .3  0 ` 4+ *L2-7L2-7  ( 23  ..   (O;$0  2#  a  .3  0` (#(#4+ *L2-8L2-8   23  ..   (u$0  0` (#(#` `  2  a  .3  0` (#` (#4+ *L2-9L2-9 j  23  ..   (`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#4Y~Y *L1-1L1-1  X A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA3#37=CIQYag1.a.i.(1)(a)(i)1)a)4c~c *L1-2L1-2   K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK4_~_ *L1-3L1-3   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG4Y~Y *L1-4L1-4  ` A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA d4c~c *L1-5L1-5   K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK4_~_ *L1-6L1-6   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG4Y~Y *L1-7L1-7  h A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA  g+,..,XXXX? XX0?vvbX0#ggdd  ISUS,.   d  ݀4c~c *L1-8L1-8   K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK4_~_ *L1-9L1-9   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG4+ *L9-1L9-1  D 23  ..   4+ *L9-2L9-2   23  ..   4+ *L9-3L9-3 j  23  ..   4+ *L9-4L9-4  L 23  ..   4+ *L9-5L9-5   23  ..   4+ *L9-6L9-6 j  23  ..   4+ *L9-7L9-7  T 23  ..   4+ *L9-8L9-8   23  ..   4+ *L9-9L9-9 j  23  ..   qi)8+ ,L10-1L10-1   23  ..    %y_8+ ,L10-2L10-2  p 23  ..    gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)8+ ,L10-3L10-3 j  23  ..   8+ ,L10-4L10-4   23  ..   8+ ,L10-5L10-5  x 23  ..   8+ ,L10-6L10-6 j  23  ..   8+ ,L10-7L10-7  ( 23  ..   8+ ,L10-8L10-8   23  ..   8+ ,L10-9L10-9 j  23  ..   8+ ,L11-1L11-1  X 23  ..   8+ ,L11-2L11-2   23  ..   8+ ,L11-3L11-3 j  23  ..   8+ ,L11-4L11-4  ` 23  ..   8+ ,L11-5L11-5   23  ..   8+ ,L11-6L11-6 j  23  ..   8+ ,L11-7L11-7  h 23  ..   8+ ,L11-8L11-8   23  ..   8+ ,L11-9L11-9 j  23  ..   8+ ,L19-1L19-1  D 23  ..   8+ ,L19-2L19-2   23  ..   8+ ,L19-3L19-3 j  23  ..   8+ ,L19-4L19-4  L 23  ..   4cp Z "Times Regular8+ ,L19-5L19-5   23  ..   8+ ,L19-6L19-6 j  23  ..   8+ ,L19-7L19-7  T 23  ..   8+ ,L19-8L19-8   23  ..   8+ ,L19-9L19-9 j  23  ..   8+ ,L16-1L16-1   23  ..     a',..,\XXXX? \X\X0?vvbX0#ggdd  ISUS,.   _>? \\#\\9#?  2d \XX\d2 #\X\X⾥#8+ ,L16-2L16-2  p 23  ..   8+ ,L16-3L16-3 j  23  ..   8+ ,L16-4L16-4   23  ..   8+ ,L16-5L16-5  x 23  ..   8+ ,L16-6L16-6 j  23  ..   8+ ,L16-7L16-7  ( 23  ..   8+ ,L16-8L16-8   23  ..   8+ ,L16-9L16-9 j  23  ..   8+ ,L12-1L12-1  X 23  ..   8+ ,L12-2L12-2   23  ..   8+ ,L12-3L12-3 j  23  ..   8+ ,L12-4L12-4  ` 23  ..   8+ ,L12-5L12-5   23  ..   8+ ,L12-6L12-6 j  23  ..   8+ ,L12-7L12-7  h 23  ..   8+ ,L12-8L12-8   23  ..   8+ ,L12-9L12-9 j  23  ..   4+ *L6-1L6-1  N 23  ..   4+ *L6-2L6-2   23  ..   4+ *L6-3L6-3 j  23  ..   4+ *L6-4L6-4  V 23  ..   4+ *L6-5L6-5   23  ..   4+ *L6-6L6-6 j  23  ..   4+ *L6-7L6-7  ^ 23  ..   4+ *L6-8L6-8   23  ..   4+ *L6-9L6-9 j  23  ..   8+ ,L22-1L22-1  N 23  ..   8+ ,L22-2L22-2   23  ..   8+ ,L22-3L22-3 j  23  ..   8+ ,L22-4L22-4  ` 23  ..   8+ ,L22-5L22-5   23  ..   8+ ,L22-6L22-6 j  23  ..   8+ ,L22-7L22-7  h 23  ..   8+ ,L22-8L22-8   23  ..   8+ ,L22-9L22-9 j  23  ..   8+ ,L21-1L21-1  N 23  ..   8+ ,L21-2L21-2   23  ..   8+ ,L21-3L21-3 j  23  ..   8+ ,L21-4L21-4  ` 23  ..   8+ ,L21-5L21-5   23  ..   8+ ,L21-6L21-6 j  23  ..   8+ ,L21-7L21-7  h 23  ..   8+ ,L21-8L21-8   23  ..   hVV:Efni athugasEfni athugasemdar StafS5\  `&Times New RomanS S5\  `&Times New RomanS8+ ,L21-9L21-9 j  23  ..   8}+z ,L20-1L20-1  b e[> } jVC0 n[H4e23  ..   bX>>+ } jVC0 n[H4b8~ ,L20-2L20-2  N bX> } jVC0 n[H4bC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-3L20-3  ; _Uz>z } jVC0 n[H4_C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-4L20-4  ( \Rf>{f } jVC0 n[H4\C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-5L20-5   YOS >gS } jVC0 n[H4YC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-6L20-6   VL@ >T @ } jVC0 n[H4VC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-7L20-7   SI, >A , } jVC0 n[H4SC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-8L20-8   PF >-  } jVC0 n[H4PC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L20-9L20-9   MC >  } jVC0 n[H4MC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-1L7-1  b e[> } jVC0 n[H4eC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-2L7-2  N bX> } jVC0 n[H4bC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-3L7-3  ; bXz>yz } jVC0 n[H4bC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-4L7-4  ( \Rf>{f } jVC0 n[H4\C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-5L7-5   \RS >gQ S } jVC0 n[H4\C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-6L7-6   YO@ >T > @ } jVC0 n[H4YC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-7L7-7   VL, >A * , } jVC0 n[H4VC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-8L7-8   SI >-   } jVC0 n[H4SC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4~ *L7-9L7-9   PF >   } jVC0 n[H4PC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC4+ *L4-1L4-1  b 23  ..   4+ *L4-2L4-2  N 23  ..   4+ *L4-3L4-3  ; 23  ..   4+ *L4-4L4-4  ( 23  ..   4+ *L4-5L4-5   23  ..   4+ *L4-6L4-6   23  ..   4+ *L4-7L4-7   23  ..   4+ *L4-8L4-8  N 23  ..   4+ *L4-9L4-9   23  ..   8+ ,L13-1L13-1  b 23  ..   8+ ,L13-2L13-2  N 23  ..   8+ ,L13-3L13-3  ; 23  ..   8+ ,L13-4L13-4  ( 23  ..   8+ ,L13-5L13-5   23  ..   8+ ,L13-6L13-6   23  ..   8+ ,L13-7L13-7   23  ..   8+ ,L13-8L13-8   23  ..   8+ ,L13-9L13-9   23  ..   4+ *L8-1L8-1  b 23  ..   4+ *L8-2L8-2  N 23  ..   4+ *L8-3L8-3  ; 23  ..   4+ *L8-4L8-4  ( 23  ..   4+ *L8-5L8-5   23  ..   4+ *L8-6L8-6   23  ..   4+ *L8-7L8-7   23  ..   4+ *L8-8L8-8   23  ..   4+ *L8-9L8-9   23  ..   dd 35;AGMSY_1a.1.a.1.a.1.a.1.a. b+A`Calibrir`Wingdings6X9`(Courier New\ Y`SymbolCjp`*Palatino Linotype $TahomaDll2RevisionRevision   S5\  `&Times New RomanSS5\  `&Times New RomanS   4~ *L3-1L3-1  b 8.>( v `J8C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-2L3-2  N 5+ >( v `J5C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-3L3-3  ; 8.z>yz( v `J8C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-4L3-4  ( 5+f >{f( v `J5C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-5L3-5   5+S >gQ S ( v `J5C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-6L3-6   5+@ >T > @ ( v `J5C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-7L3-7   2(, >A * , v `J2C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-8L3-8   2( >-   v `J2C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4~ *L3-9L3-9   2( >   v `J2C b+A`CalibriC23  S5\  `&Times New RomanS..   2(> >( v `J2C b+A`CalibriC4+ *L5-1L5-1  b 23  ..   4+ *L5-2L5-2  N 23  ..   4+ *L5-3L5-3  ; 23  ..   4+ *L5-4L5-4  ( 23  ..   4+ *L5-5L5-5   23  ..   4+ *L5-6L5-6   23  ..   4+ *L5-7L5-7   23  ..   4+ *L5-8L5-8   23  ..   4+ *L5-9L5-9   23  ..   a.L6No SpacingNo Spacing     S5\  `&Times New RomanS    /%> >+yd/  e[>>+ } jVC0 n[H4e   S5\  `&Times New RomanS   l:Fyrirsgn -4Fyrirsgn - athugasemdir   S5\  `&Times New RomanS#      #dd  S5\  `&Times New RomanS   h:Fyrirsgn -3Fyrirsgn - fylgiskjl   S5\  `&Times New RomanS b         b  S5\  `&Times New RomanS   V:footnote te1footnote text  S5\  `&Times New RomanS    S5\  `&Times New RomanS        S5\  `&Times New RomanSV:Normal/mijaNormal/mija   S5\  `&Times New RomanS       S5\  `&Times New RomanS   8,StrikStrik d    S5\  `&Times New RomanS     7$(X7    7(X7  S5\  `&Times New RomanS   u=Thin BottomdxdXll:Suftur StSuftur Staf   S5\  `&Times New RomanSS5\  `&Times New RomanS   \x:Millifyrirs1Millifyrirsgn 1 Vll:Suhaus StaSuhaus Staf   S5\  `&Times New RomanSS5\  `&Times New RomanS   H4HyperlinkHyperlinkjSS:Texti athugaTexti athugasemdar StafS5\  `&Times New RomanSS5\  `&Times New RomanSV:footnote texfootnote text  S5\  `&Times New RomanS           S5\  `&Times New RomanSrll:Texti neanmTexti neanmlsgreinar StafS5\  `&Times New RomanS   S5\  `&Times New RomanS`:Thingskjal aThingskjal a-1-a-1  b e[>. } jVC0 n[H4e   S5\  `&Times New RomanS23  S5\  `&Times New RomanS..   S5\  `&Times New RomanSe[>. } jVC0 n[H4e  b `:footnote reffootnote reference8}+z ,L15-1L15-1  b e[>+ } jVC0 n[H4e23  ..   bX>>+ } jVC0 n[H4b8z+z ,L15-2L15-2  N bX> } jVC0 n[H4b23  ..   bX>>+ } jVC0 n[H4b8w+z ,L15-3L15-3  ; _Uz>z } jVC0 n[H4_23  ..   bX>>+ } jVC0 n[H4b8t+z ,L15-4L15-4  ( \Rf>f } jVC0 n[H4\23  ..   bX>>+ } jVC0 n[H4b8q+z ,L15-5L15-5   YOS >S } jVC0 n[H4Y23  ..   bX>>+ } jVC0 n[H4b8n+z ,L15-6L15-6   VL@ > @ } jVC0 n[H4V23  ..   bX>>+ } jVC0 n[H4b8k+z ,L15-7L15-7   SI, > , } jVC0 n[H4S23  ..   bX>>+ } jVC0 n[H4b8_ z,kaflikafli  6III  .6ۀKAFLI     kaflanumerLevel 1Level 2Level 3Level 4Level 5F 7 #,greingreinarnCmer  83  .8ۀgr.  greinLevel 1Level 2Level 3Level 4Level 5X[ |0greinmfgrein meW fyrirs?gn  84  .8ۀgr.    8h+z ,L15-8L15-8   PF >  } jVC0 n[H4P23  ..   bX>>+ } jVC0 n[H4b8e+z ,L15-9L15-9   MC >  } jVC0 n[H4M23  ..   bX>>+ } jVC0 n[H4b8}+z ,L14-1L14-1  b e[> } jVC0 n[H4e23  ..   bX>>+ } jVC0 n[H4b8~ ,L14-2L14-2  N bX> } jVC0 n[H4bC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-3L14-3  ; _Uz>z } jVC0 n[H4_C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-4L14-4  ( \Rf>{f } jVC0 n[H4\C b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-5L14-5   YOS >gS } jVC0 n[H4YC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-6L14-6   VL@ >T @ } jVC0 n[H4VC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-7L14-7   SI, >A , } jVC0 n[H4SC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-8L14-8   PF >-  } jVC0 n[H4PC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriC8~ ,L14-9L14-9   MC >  } jVC0 n[H4MC b+A`CalibriC23  S5\  `&Times New RomanS..   bX>>+ } jVC0 n[H4bC b+A`CalibriCa.8Y~Y ,L23-1L23-1  b A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-2L23-2  N A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-3L23-3  ; A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-4L23-4  ( A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-5L23-5   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-6L23-6   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-7L23-7   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-8L23-8   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8Y~Y ,L23-9L23-9   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8+ ,L18-1L18-1   23  ..   8c~c ,L18-2L18-2  p K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK8_~_ ,L18-3L18-3   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG8Y~Y ,L18-4L18-4   A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8c~c ,L18-5L18-5  x K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK8_~_ ,L18-6L18-6   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG8Y~Y ,L18-7L18-7  ( A\ Y`SymbolA23  S5\  `&Times New RomanS..   A\ Y`SymbolA8c~c ,L18-8L18-8   K6X9`(Courier NewK23  S5\  `&Times New RomanS..   K6X9`(Courier NewK8_~_ ,L18-9L18-9   Gr`WingdingsG23  S5\  `&Times New RomanS..   Gr`WingdingsG" IPSASfjrskulda GFS$samanburWarh%fni$Yj;Whagsuppgj?ri fjrlagagrunni$FastafjrCtgj?ldma.krsamrekstrarSamandreginn0Langt1maskuldbindingarr1kisv1xlarHandb%rt(eiginfjrhlutdeild$skammt1maskuldum;gjaldf?llnum0Fjrm?gnunarhreyfingarfjrmunateknatekjuuppgj?ritekjuuppgj?rAWl?gunintekjusk?ttumlakri"tryggingagjaldaeignf%rWarrauninnheimtu;innheimtra(Heildarfjrheimild.fjrfestingarframlags,heildarfjrheimildumfluttra*rekstrarniWurst?Wur6bakbyrgWarskuldbindingar LSRMlaefnasviWheimilaWri'Single1  d&d9 Z6Times New Roman Regular : e),..,^XXXX? ^X^X0?vvbX0#ggdd  ISUS,.   _>? Ҁ&d9 Z6Times New Roman Regular<oo@{:QuickFormat1XNXXX XXNcb  XNXXX XXNcb  Table_ATable_BTable_CTable_DTable_Eikmxoyz{xqCEIMQUY]aAutoList1!!!!!!!!1)a)v|!(`e$0  0` ""0 ` "` "23  0 " "( $0  0` ""0 ` "` "0 " "0h""23  0h"h"(}H$0  0` ""0 ` "` "0 " "0h""0h"h"23  0""(=$0  0` ""0 ` "` "0 " "0h""0h"h"0""23  0p""($0  0` ""0 ` "` "0 " "0h""0h"h"0""0p""23  0p"p" !,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? XX0?vvbX0#ggdd  8dd8ISUS,.     ^^`   _ >?  _ikmo(%03q] 9151.lggjafarYing2020!2021. ( Xingskjal309"277.ml.  Stj;rnarfrumvarp.      ^FFrumvarptillaga# ^F#     umstaWfestingurkisreiknings2019.    FrfjrmlaogefnahagsrWherra. K #     K|    K|  1.gr.K|݌   Ќ   J    JR  StaWfestingrkisreiknings.JR|݌ wO  Ќ     MeWlgumYessumstaWfestistrkisreikningurfyrirriW2019,sbr.58.gr.lagaumopinber B  fjrml,nr.123/2015.    K|    K|  2.gr.K|݌ {  Ќ   J    JF  Gildistaka.JFp݌ nF Ќ     LgYessiWlastYegargildi. 9 G!#dgg    G!*   GreinargerW.G!* c ݌  Ќ#ggd   &x   &x   1.Inngangur.&x  ݌ r Ќ    MeWfrumvarpiYessuerrkisreikningur2019lagWurfyrirAlYingitilstaWfestingar e= samrmiviWkvWilagaumopinberfjrml,nr.123/2015. 0   RkisreikningurfyrirriW2019erYriWjireikningurinnsemgerWurersamkvmtlgumum  opinberfjrmlsembyggjastmeWalannarsalYj;WlegumreikningsskilastWlumfyrir  opinberaaWila(IPSAS). i   0fyrrihlutarkisreikningseryfirlityfirafkomu,efnahagsreikning,sj;Wstreymi,yfirlityfir \4 breytingueiginfjrogyfirlityfirreksturmlefnasviWasamtviWeigandiskUringumen ' seinnihlutaeraWfinnasryfirlitogsundurliWanirsemgefafrekariupplUsingarum  rkisfjrmlin.    ritunrkisendurskoWandaernfyrirvaraogniWurstaWaendurskoWunarinnareraWrekstur `  rkissj;WshafigengiWvelllumaWalatriWumrinu2019ogrslokhafifjrhagurrkisins S+! veriWtraustur.bendingerumstWuinnleiWingarreikningsskilastaWlaYarsemekkit;kstaW " innleiWaalYj;WlegareikningsskilastaWlaaWfullufyrirrslok2019. #   InnleiWingbreyttumreikningsskilumerumfangsmikiWverkefniogerYvekkiaWfullu  $ lokiWmeWtgfuYessumrkisreikningi.ReikningsskilfyrirriW2019erugerWgrundvelli !W% IPSASstaWlannameWfrvikumYarsemreikningsskilarWhefurheimilaWfrestun J""& innleiWingunokkurrastaWla.ReikningsskilarWAhlutarkisinshefurheimildirtilfrestunar #' innleiWingustaWlaeinsogkemurfram52.gr.lagaumopinberfjrmlenYarsegir: #( ?ReikningsskilarWgeturfrestaWtmabundiWaWtakaupphlutaafstWlunum,endaliggitil $ ) YessmlefnalegarstWur.0rkisreikningiskalgeragreinfyrirhvaWaatriWumstaWalsinser v%N!* ekkifylgt,stWumYessoghrifumafkomuogfjrhag.  A&"+   VegnaumfangsinnleiWingaralYj;WlegumreikningsskilumhefurreikningsskilarW  '", kveWiWaWheimilafrestuninnleiWingueftirfarandistaWlaaW;skfjrmlaog '#- efnahagsrWuneytisogFjrsUslurkisins: (z$. 9 y_    (00_ikmo vikmxoyz{|(qx0"i0J"  i0Js 2q!3  Ԉ0    IPSAS13umleigusamningai0Js݌( Ќ  "i0J"  i0JV 2q!3  Ԉ0    IPSAS29umfjrmlagerninga!meWferWfjrskuldaogfjreignai0JV݌ Ќ  "i0J"  i0Jg 2q!3  Ԉ0    IPSAS35umsamstWureikningsskili0Jg݌ Ќ  "i0J"  i0JV 2q!3  Ԉ0    IPSAS36umfjrfestingarhlutdeildarflgumogsameiginlegumverkefnumaWhlutai0JV݌a Ќ  "i0J"  i0Jv 2q!3  Ԉ0    IPSAS37umsamreksturi0Jv݌T, Ќ  "i0J"  i0JW 2q!3  Ԉ0    IPSAS38umupplUsingagjfumhagsmuniWrumrekstrareiningumi0JW݌ Ќ   (0xvikmxoyz{|  0tarlegagreininguumhvernigeinstakastaWlareruinnleiddireraWfinnaskUringu2  rkisreikningiYarsemeinnigerfjallaWumheimildirtilaWfrestainnleiWingustaWlaoghvernig   YrheimildirerunUttar.  X   FramsetningogflokkunsamkvmtalYj;WlegumhagskUrslustaWli(GFS)ersflokkunog K #  framsetningsem1.gr.fjrlagamiWarviW.BWiGFSogIPSASertlaWaWtryggja    samkvmniogalYj;WlegasamanburWarhfnienstaWlarnirhafa;lkarherslur.IPSAS    samrmirreikningsskilmeWherslurekstrarafkomuogstWuefnahags,gerirkleiftaWmeta   fjrhagslegaafkomu,skerpabyrgWstj;rnendaogaukagagnsifyrirkvarWanatkurekstri. wO  GFSmeturefnahagsleghrifopinberrarfjrmlastefnu,greinirhrifhennarhagkerfiWog B  valkostiviWkvarWanatkuopinberumfjrmlum.MeginherslaGFSerheildarafkomu    semmlikvarWaefnahagsleghrifogeruYvhagstj;rnarmarkmiWskv.1.gr.fjrlagasett   framsamkvmtGFSstaWlinum.X;ttGFSstaWallinnsaWmrguleytisamanburWarhfur {  viWIPSASstaWlanaYeruYarkveWinfrvikveigamiklumstrWumogtflu1erusUnd nF Yaufrviksemhafamesthrif. 9 _ Tafla1.   *de ddd Xdd Xdd X>>,bb,Zb+  Nuuuu;rr ZZN  SkUringarmunuppgjrsaWferWumYj;Whagsreikninga(GFS)ogrkisreiknings z (IPSAS)millj.kr. zuuug?mE   uuuu#Z#$Z$ `ZZz Rekstrarafkomasamkvmtrkisreikningi(IPSAS) yuuf(@uuu#Z#$Z$ @42260@ZZy  42.260 uuu^@0 @42260  ` @uu#Z#$Z$ ZZMismunandimeWferWhagnaWiflagaeigurkisins(hriftekjur) VuuC(xuuu#Z#$Z$ ZZV  ӄ58.700 wuuud<x0   uu#Z#$Z$ ZZwHreinfjrfestingsamkvmtrkisreikningi(hrifgjld) VuuC(|Tuuu#Z#$Z$ ZZV  ӄ44.500 wuuud<|T0   uu#Z#$Z$ ZZwAfskriftirfastafjrmunasamkvmtrkisreikning(hrifgjld) VuuC(X0uuu#Z#$Z$ ZZV  19.667 wuuud<X0 0   uu#Z#$Z$ ZZwhrifvegnamismunandimeWferWarvegnalfeyrisskuldbindinga(hrif ?! gjld) VuuC( "uuu#Z#$Z$ ZZV  600 wuuud<?#0   uu#Z#$Z$ ZZwAWrirliWir VuuC($uuu#Z#$Z$ ZZV  1.803 wuuud<%0   uu#Z#$Z$ $ZZw HeildarafkomasamkvmtYj;Whagsuppgjri(GFS) VuuC(&uuu#Z#$Z$ ZZV  38.870 LB@'0  $  uu#Z#$Z$ L  Xarsemafkomarkissj;WssamkvmtniWurstWurkisreikningserekkisamanburWarhf ( viWfjrlgersryfirliti9bls.152rkisreikningisettframniWurstaWasamkvmtGFS s K) staWlisemsUnirafkomurkissj;WsgagnvartframsetningufjrlagaogskUrWerufrvikmilli >!* staWlanna.SamanburWur1.gr.fjrlagaviWuppgjrrsins,aWlagaWuraWfjrlagagrunni,kemur  "+ framtflu2. ",  Tafla2.  j$B . *pfg ddbbZbde>>p,bb,XZb,Zb,6Zb,Zb,Zb+  Nuuuu;5% !/5% ! ZZN HeildarafkomasamanburWurviWfjrlg  =%!0 Ѐ auuuN&&!1   uuuu ZZa_ millj.kr. VuuC((uuu#Z#$Z$ ZZV   Reikningss ( kilaWlguW  aW  fjrlagagru a nni _uuL1T, uu#Z#$Z$ ZZ_  Fjrlg _uuL1( uu#Z#$Z$ ZZ_  Frvik ( fr   fjrlgu   m _uuL1a  uu#Z#$Z$ ZZ_  tlun _uuL1(  uu#Z#$Z$ ZZ_  Frvik (  fr  tlun wuuud<    uu#Z#$Z$ GZZw`{cb    Heildartekjur`{5rrecb    zuug('uuu#Z#$Z$ H)A828543H)AZZz  `{cb    828.543`{n7rrecb    uuT'0 H)A828543 H)Auu#Z#$Z$ 8+A8920268+AZZ  892.026 uuT'0 8+A892026 8+Auu#Z#$Z$ `-63483`ZZ  63.483 uuT'0 `-63483 `uu#Z#$Z$ O*A862162O*AZZ  862.162 uuT'0 O*A862162 O*Auu#Z#$Z$ `j-33619`jZZ  33.619 uuu_'0 `j-33619  G `juu#Z#$Z$ ZZSkatttekjur VuuC(n Fuuu#Z#$Z$ ZZV  654.251 _uuL1n F0uu#Z#$Z$ ZZ_  698.003 _uuL1n F0uu#Z#$Z$ ZZ_  ӄ43.752 _uuL1n F0uu#Z#$Z$ ZZ_  679.210 _uuL1n F0uu#Z#$Z$ ZZ_  ӄ24.959 wuuud<n F0   uu#Z#$Z$ ZZwTryggingagjld VuuC(J "uuu#Z#$Z$ ZZV  96.699 _uuL1J "0uu#Z#$Z$ ZZ_  100.847 _uuL1J "0uu#Z#$Z$ ZZ_  ӄ4.148 _uuL1J "0uu#Z#$Z$ ZZ_  97.796 _uuL1J " 0uu#Z#$Z$ ZZ_  ӄ1.097 wuuud<J "!0   uu#Z#$Z$ ZZwFjrframlg VuuC(& "uuu#Z#$Z$ ZZV  1.675 uun1& #0uu#Z#$Z$ @5534@ZZ  5.534 uumR& $0 @5534 @uu#Z#$Z$ ZZ  ӄ3.859 _uuL1& %0uu#Z#$Z$ ZZ_  5.563 _uuL1& &0uu#Z#$Z$ ZZ_  ӄ3.888 wuuud<& '0   uu#Z#$Z$ ZZwAWrartekjur VuuC( (uuu#Z#$Z$ ZZV  75.917 _uuL1 )0uu#Z#$Z$ ZZ_  87.642 _uuL1 *0uu#Z#$Z$ ZZ_  ӄ11.725 _uuL1 +0uu#Z#$Z$ ZZ_  79.592 _uuL1 ,0uu#Z#$Z$ ZZ_  ӄ3.675 wuuud< -0   uu#Z#$Z$ EZZw Heildargjld VuuC( .uuu#Z#$Z$ ZZV  867.413 _uuL1 /0uu#Z#$Z$ ZZ_  863.457 _uuL1 00uu#Z#$Z$ ZZ_  3.956 _uuL1 10uu#Z#$Z$ ZZ_  877.011 _uuL1 20uu#Z#$Z$ ZZ_  9.598 wuuud< 30  E uu#Z#$Z$ ZZwRekstrartgjld VuuC(# 4uuu#Z#$Z$ ZZV  842.580 _uuL1# 50uu#Z#$Z$ ZZ_  833.654 _uuL1# 60uu#Z#$Z$ ZZ_  8.926 _uuL1# 70uu#Z#$Z$ ZZ_  859.077 _uuL1# 80uu#Z#$Z$ ZZ_  ӄ16.498 wuuud<# 90   uu#Z#$Z$ ZZwFastafjrtgjld VuuC( :uuu#Z#$Z$ ZZV  24.833 _uuL1 ;0uu#Z#$Z$ ZZ_  29.803 _uuL1 <0uu#Z#$Z$ ZZ_  ӄ4.970 _uuL1 =0uu#Z#$Z$ ZZ_  17.934 _uuL1 >0uu#Z#$Z$ ZZ_  6.899 wuuud< ?0   uu#Z#$Z$ ZZw Heildarafkoma VuuC( @uuu#Z#$Z$ ZZV  38.870 _uuL1 A0uu#Z#$Z$ ZZ_  28.569 _uuL1 B0uu#Z#$Z$ ZZ_  67.439 _uuL1 C0uu#Z#$Z$ ZZ_  14.850 _uuL1 D0uu#Z#$Z$ ZZ_  24.021 LB@ E0   uu#Z#$Z$ LQ  QR  QR>,# bb,Zb,= Zb,Zb+  Nuuuu;aa GZZN  Tafla3.Samandreginnefnahagsreikningur31.12.2019,fjrhWirma.kr. ~uuuk?i   G uuuu#Z#$Z$ ZZ~  Eignir:     Ӏ fuuS4 suuu#Z#$Z$ ZZf  EigiWfogskuldir:     Ӏ zuuug? s   uu#Z#$Z$ ZZz  :efnislegareignir ~uuk1n F uuu#Z#$Z$  ?1?ZZ~  1 }uujOn F 0  ?1 ?uu#Z#$Z$ ZZ}  EigiWfsamtals uum1n F uu#Z#$Z$ y@408y@ZZ  408 uuu\n F 0 y@408   y@uu#Z#$Z$ ZZ  hld,tkiogbnaWur uul1_ 7 uuu#Z#$Z$  4@204@ZZ  20 ~uukP_ 70  4@20 4@uu#Z#$Z$ ZZ~  Ӏ _uuL1_ 7uu#Z#$Z$ ZZ_  Ӏ wuuud<_ 70   uu#Z#$Z$ ZZw  Farartkiogvlar uul1P (uuu#Z#$Z$  1@171@ZZ  17 ~uukPP (0  1@17 1@uu#Z#$Z$ ZZ~  Langtmaskuldbindingar uum1P (uu#Z#$Z$ І@730І@ZZ  730 uuu\P (0 І@730   І@uu#Z#$Z$ ZZ  Fasteignir uum1A  uuu#Z#$Z$  o@249 o@ZZ  249 uulQA  0  o@249  o@uu#Z#$Z$ ZZ  Langtmaskuldir uum1A  uu#Z#$Z$ p@942p@ZZ  942 uuu\A  0 p@942   p@uu#Z#$Z$ ZZ  Samgngumannvirki uum12 uuu#Z#$Z$ X@619X@ZZ  619 uulQ2 0 X@619 X@uu#Z#$Z$ ZZ  Srleyfissamningur uul12 uu#Z#$Z$  0@160@ZZ  16 uuu[2 0  0@16   0@uu#Z#$Z$ ZZ  Varanlegirrekstrarfjrmunir uum1# uuu#Z#$Z$ P@906P@ZZ  906 uulQ# 0 P@906 P@uu#Z#$Z$ ZZ  Langtmaskuldirog #  skuldbindingar uun1 uu#Z#$Z$ \@1687\@ZZ  1.687 uuu]# !0 \@1687   \@uu#Z#$Z$ ZZ  Ӏ _uuL1 "uuu#Z#$Z$ ZZ_  Ӏ _uuL1 #0uu#Z#$Z$ ZZ_  Ӏ _uuL1 $uu#Z#$Z$ ZZ_  Ӏ wuuud< %0   uu#Z#$Z$ ZZw  Langtmakrfur uul1 &uuu#Z#$Z$  N@60N@ZZ  60 ~uukP '0  N@60 N@uu#Z#$Z$ ZZ~  Lnastofnanirogrkisvxlar uul1 (uu#Z#$Z$  I@50I@ZZ  50 uuu[ )0  I@50   I@uu#Z#$Z$ ZZ  Eignarhlutirflgum uum1{*uuu#Z#$Z$ X@971X@ZZ  971 uulQ{+0 X@971 X@uu#Z#$Z$ ZZ  Nstarsafborganir {, langtmalna uum1nF-uu#Z#$Z$ @[@109@[@ZZ  109 uuu\{.0 @[@109   @[@uu#Z#$Z$ ZZ  Erlentstofnf uul1A/uuu#Z#$Z$  &@11&@ZZ  11 ~uukPA00  &@11 &@uu#Z#$Z$ ZZ~  ViWskiptaskuldir uul1A1uu#Z#$Z$  7@237@ZZ  23 uuu[A20  7@23   7@uu#Z#$Z$ ZZ  httufjrmunirog 2 3 langtmakrfur uun14uuu#Z#$Z$ H@1042H@ZZ  1.042 uumR2 50 H@1042 H@uu#Z#$Z$ ZZ  Tmsarskammtmaskuldir uul12 6uu#Z#$Z$  S@78S@ZZ  78 uuu[2 70  S@78   S@uu#Z#$Z$ ZZ  Ӏ _uuL18uuu#Z#$Z$ ZZ_  Ӏ _uuL190uu#Z#$Z$ ZZ_  Skammtmaskuldirsamtals uum1:uu#Z#$Z$ @p@260@p@ZZ  260 uuu\;0 @p@260   @p@uu#Z#$Z$ ZZ  Fastafjrmunirsamtals uun1<uuu#Z#$Z$ t@1949t@ZZ  1.949 uumR=0 t@1949 t@uu#Z#$Z$ ZZ  Ӏ _uuL1>uu#Z#$Z$ ZZ_  Ӏ wuuud<?0   uu#Z#$Z$ ZZw  Ӏ _uuL1@uuu#Z#$Z$ ZZ_  Ӏ _uuL1A0uu#Z#$Z$ ZZ_  Ӏ _uuL1Buu#Z#$Z$ ZZ_  Ӏ wuuud<C0   uu#Z#$Z$ ZZw  :innheimtartekjur uum1{Duuu#Z#$Z$ [@110[@ZZ  110 uulQ{E0 [@110 [@uu#Z#$Z$ ZZ  Ӏ _uuL1{Fuu#Z#$Z$ ZZ_  Ӏ wuuud<{G0   uu#Z#$Z$ ZZw  Nstarsafborganiraf lH langtmakrfum ~uuk1_7Iuuu#Z#$Z$  @2@ZZ~  2 }uujOlJ0  @2 @uu#Z#$Z$ ZZ}  Ӏ _uuL1lKuu#Z#$Z$ ZZ_  Ӏ wuuud<lL0   uu#Z#$Z$ ZZw  BirgWir ~uuk12 Muuu#Z#$Z$  @3@ZZ~  3 }uujO2 N0  @3 @uu#Z#$Z$ ZZ}  Ӏ _uuL12 Ouu#Z#$Z$ ZZ_  Ӏ wuuud<2 P0   uu#Z#$Z$ ZZw  Skammtmakrfur uul1#Quuu#Z#$Z$  4@204@ZZ  20 ~uukP#R0  4@20 4@uu#Z#$Z$ ZZ~  Ӏ _uuL1#Suu#Z#$Z$ ZZ_  Ӏ wuuud<#T0   uu#Z#$Z$ ZZw  Handbrtf uum1Uuuu#Z#$Z$ p@270p@ZZ  270 uulQV0 p@270 p@uu#Z#$Z$ ZZ  Ӏ _uuL1Wuu#Z#$Z$ ZZ_  Ӏ wuuud<X0   uu#Z#$Z$ ZZw  Veltufjrmunirsamtals uum1Yuuu#Z#$Z$ Py@405Py@ZZ  405 uulQZ0 Py@405 Py@uu#Z#$Z$ ZZ  Ӏ _uuL1[uu#Z#$Z$ ZZ_  Ӏ wuuud<\0   uu#Z#$Z$ ZZw  Ӏ _uuL1]uuu#Z#$Z$ ZZ_  Ӏ _uuL1^0uu#Z#$Z$ ZZ_  Ӏ _uuL1_uu#Z#$Z$ ZZ_  Ӏ wuuud<`0   uu#Z#$Z$ ZZw   Eignirsamtals uun1 auuu#Z#$Z$ f@2355f@ZZ  2.355 uumR b0 f@2355 f@uu#Z#$Z$ ZZ  EigiWfogskuldirsamtals _uuL1 cuu#Z#$Z$ ZZ_  2.355 LB@ d0    uu#Z#$Z$ LQ  Q  Xr;unskulda.Q/݌ n#Ff Ќ    Langtmaskuldirsemkomaframefnahagsreikningieru942ma.krogskiptastskuldabrf 9$ g 871ma.kr.aWfrdregnumnstarsafborgunum109ma.kr.aWviWbttrihlutdeildskuldum % h d;tturflagameWneikvWaeiginfjrhlutdeild180ma.kr. %!i   Heildarskuldirrkissj;Ws,einsogYreruskilgreindarfjrlgum,erurslok913ma.kr. &r"j semsamanstandaafskuldabrfum871ma.kr.,aWviWbttumtveimurliWumsemeruflokkaWir e'=#k meWskammtmaskuldum,vxlum22ma.kr.og;greiddum;gjaldfllnumvxtum21ma.kr. 0($l   0frumvarpitilfjrlagafyrirriW2019vartlaWaWheildarskuldirrkissj;Wsmyndulkka ( um11ma.kr.,Y.e.r843ma.kr.rslok2018832ma.kr.rslok2019.Heildarskuldir  rkissj;Wsst;Wuhinsvegar913ma.kr.rslok2019oghkkuWuYvum81ma.kr.fr  forsendumfjrlaga.Xaraferu21ma.kr.uppsafnaWirog;greiddirvextirsemteljasteigameW a heildarskuldumsamrmiviWYj;Whagsreikninga.Rkissj;Wurgaftskuldabrfevrum T, jn2019aWfjrhW500millj;nirevraogkeyptijafnframttilbakaskuldabrfevrumsem  gefinvorutriW2014aWfjrhW60millj;nirevra.Heildarskuldsetningrkissj;Wsj;kstviW  YessaaWgerWum60ma.kr.Heildarskuldirrkissj;WshkkuWuum47ma.kr.rinur866   ma.kr.rslok2018913ma.kr.rslok2019.  X Q  Q  Sj;Wstreymi.Q݌    Ќ    Handbrtffrrekstrivarjkvttum54ma.kr.FjrfestingahreyfingarvoruneikvWar    um27ma.kr.enkaupverWvaranlegrarekstrarfjrmunanam42ma.kr.   FjrmgnunarhreyfingarvorujkvWarum27ma.kr.,tekinvorulangtmalnaWfjrhW110 wO  ma.kr.ogafborganirlangtmalnanmu80ma.kr.Handbrtfj;kstum53ma.kr.,var217 B  ma.kr.rsbyrjunen270ma.kr.rslok.    Q  Q  Q7݌̌  Q  Q~  Tekjur.Q~݌ {  Ќ    Tekjurrkisinsafskttumogtryggingagjldumnmu770ma.kr.ogaWrarrkistekjurn nF endurgjaldsnmu22ma.kr.Tekjurafstarfseminmu38ma.kr.leiWrttfyririnnbyrWis 9 viWskiptuminnanAhlutaenYarafvoru21ma.kr.afsluvruogYj;nustu.Allsnmutekjur  rkisinsnfjrmunateknaYv830ma.kr.Fjrmunatekjur,semeinkumeruvaxtatekjur,nmu  5,9ma.kr.ArWgreiWslurfrWrumflgumend;tturoghlutdeildarflgumteljasteinnig r tilfjrmunateknatekjuuppgjriognmu0,2ma.kr.SamkvmtIPSASerhlutdeildafkomu e= flagatekjufrWengreiddurarWurfristumefnahagsreikning.XessuerfugtfariW 0 samkvmtGFS1.gr.fjrlaga.AWrararWgreiWslureruekkifrWarumtekjuhliW  rekstrarreikningsenm;tikemuraWhlutdeildafkomuflagareiknastaWfullumeW  afkomurkissj;WssamkvmthlutdeildaraWferWsamrmiviWkrfurIPSAS.Tekjur i rkissj;WsafafkomuflaganmuYannig78,3ma.kr.samkvmtIPSAS. \4   VirWisaukaskattur,vrugjldogaWrir;beinirskattarogtollarskiluWu331ma.kr.tekjum ' ogskattartekjuroghagnaWeinstaklingaoglgaWila,laun,eignirogskuldirskiluWu340  ma.kr.Skattarogtryggingagjldnmualls770ma.kr.eWa93%afheildartekjumn  fjrmunatekna.AfeinstkumskttumskilaWivirWisaukaskatturmestumtekjumeinsog `  undanfarinreWa242ma.kr. S+!   0sryfirliti9ernannaWsinntengslumviWuppgjrrkisreikningsleiddfram " heildarafkomaGFSgrundvellimeWYvaWgeratilteknaraWlaganirhelstuliWumteknaog # gjaldaograWaYeimuppmeWsamahttiogtlunfjrlaga.XannigaWlagaWtekjuuppgjr  $ erunntaWberasamanviWtluninaogreiknafrvikiWogerYaWgertsryfirliti9.Hrer !W% umaWrWanlgunviWaWferWGFSstaWalsinseinsoghnhefurveriWinnleiddtlunina J""& enekkieiginlegtuppgjrsamahttogHagstofabUrtil.AWlguninfelursraWleiWrtter #' fyrirmismunisemskapastafvldumhelstuYttasemerumeWhndlaWirmeWmismunandi #( httitekjuuppgjrisamkvmtIPSASogGFSstWlunum.Frvikteknafrtlunfjrlaga $ ) reynistneikvttum63,5ma.kr.ogsmiWaWviWendurskoWaWatlunfjrlagaerfrvikiWenn v%N!* mjgneikvtteWa33,6ma.kr.EfnahagslegYr;unvarWmunneikvWarienbistvarviW A&"+ forsendumfjrlagaogvarfjrmlastefnarkisstj;rnarinnarendurskoWuWumsumariW.Strstu  '", frvikinskatttekjumeruvirWisaukaskattiogtekjuskttumeinstaklingaoglgaWila. '#- SkUrastYaueinkumaflakritkomufj;rWarsfj;rWungiogmiklumafskriftumuppgjrinu. (z$. :lkviWmiWumleiWrttingarfyririnnbyrWisviWskiptuminnanAhlutaskUraaWmikluleyti ( frvikliWumutanskattteknaogtryggingagjalda.RtteraWtakaframaWframerunniWaW  YvaWgreinannarYYttiuppgjrsinssemf;lkameWferWstWlunumtveimur,  samstarfiFjrsUslu,HagstofuogfjrmlaogefnahagsrWuneytisins. a   :innheimtartekjurfyrriraerueignfrWarefnahagsreikningiogrlegametnarog T, niWurfrWar.BeittvaraWgrunnitilsamaverklagiogWurviWmatiWaukYesssemlitiWvar  tilrauninnheimtutilviWb;tar,samahttoggertvarviWuppgjrrsins2018.Afskrift  skattkrafnaogannarra;innheimtrateknanam24,6ma.kr.rinu2019semerYekkfjrhW   ogrinu2018entalsvertmeiraenaWjafnaWiundanfarinr.AfskriftkrafnahefurY;ekki  X hriftekjuuppgjrrkisreikningssamkvmtIPSASstaWliheldurfristmeWgjldum. K #  AfskriftskattkrafnakemurhinsvegartillkkunartekjumsamkvmtGFS.    Q  Qu  Qu݌̌  Q  Qڲ  GjldmlefnasviWa.Qڲ݌   Ќ    Gjldumframrekstrartekjurvorualls836ma.kr.semvar42ma.kr.innanfjrheimilda, wO  einsogkemurframsryfirlit2bls.78rkisreikningi.Heildarfjrheimildrsinsn B  fjrfestingarframlagsnam878ma.krogkemursundurliWuneftireWlifjrheimildaskUringu    5bls.107rkisreikningi.     0tflu4eryfirlityfirmlefnasviWmeWmeiraen1ma.kr.frvikfrheildarfjrheimildum {  rsins.YfirlitumstWumlefnasviWa,mlaflokkaogrkisaWilakemurframsryfirliti2 nF bls.78rkisreikningi. 9   Tafla4.MlefnasviWmeWmeiraen1ma.kr.frvikfrfjrheimildum  (heildarfjrheimildiraWteknutillititilfluttrafjrheimildafrfyrrari).  r *jkdd# bb# Zb= Zb= Zbhi>>,E ::,::,::,::,::+  V[[Ae=e= M dd::V MlefnasviW!upphWirma.kr. u[[`;qI[[dd#:#$:$ dd::u  Gjldumfram qI rekstrartekjur u[[`;< [[dd#:#$:$ dd::u  Fjrheimild y[[d;qI [[dd#:#$:$ dd::y  Frvik  @ ~IqI  M [[dd#:#$:$ dd:: xc;dd#:#$:$ dd::x  xc;0dd#:#$:$ dd::x  |g;0dd#:#$:$ dd::|   @ {I 0  dd#:#$:$ dd::34Almennurvarasj;Wurogsrtkar ! fjrrWstafanir y;"dd#:#$:$  8@248@::   24,6 P#0  8@24 8@ #:#$:$  5@215@::   21,1 P$0  5@21 5@ #:#$:$  -3::   ӄ3,5 uP%0  -3  #:#$:$ dd::  xF&0  dd#:#$:$ dd::23SjkrahsYj;nusta y;tL'dd#:#$:$  V@88V@::   88,5 PtL(0  V@88 V@ #:#$:$  @U@85@U@::   85,2 PtL)0  @U@85 @U@ #:#$:$  -3::   ӄ3,2 uPtL*0  -3  #:#$:$ dd::  xFtL+0  dd#:#$:$ dd::16MarkaWseftirlit,neytendamlog_stj.sUsla_ ?, _atv.mla_ x; -dd#:#$:$  @4@::   4,0 O?.0  @4 @ #:#$:$  @5@::   5,0 O?/0  @5 @ #:#$:$  ?1?::   1,1 tO?00  ?1 ? #:#$:$ dd:: o=?1  dd#:#$:$ dd::13Sjvartvegurogfiskeldi x;2dd#:#$:$  @4@::   4,5 O30  @4 @ #:#$:$  @5@::   5,6 O40  @5 @ #:#$:$  ?1?::   1,1 tO50  ?1 ? #:#$:$ dd::  xF60  dd#:#$:$ dd::29Fjlskylduml y;x7dd#:#$:$  B@37B@::   37,6 Px80  B@37 B@ #:#$:$  C@38C@::   38,8 Px90  C@38 C@ #:#$:$  ?1?::   1,2 tOx:0  ?1 ? #:#$:$ dd::  xFx;0  dd#:#$:$ dd::05Skatta,eignaogfjrmlaumsUsla y;kC<dd#:#$:$  ,@14,@::   14,8 PkC=0  ,@14 ,@ #:#$:$  0@160@::   16,2 PkC>0  0@16 0@ #:#$:$  ?1?::   1,4 tOkC?0  ?1 ? #:#$:$ dd::  xFkC@0  dd#:#$:$ dd::18Menning,listir,Yr;ttaogskulUWsml y;6Add#:#$:$  *@13*@::   13,3 P6B0  *@13 *@ #:#$:$  .@15.@::   15,0 P6C0  .@15 .@ #:#$:$  ?1?::   1,7 tO6D0  ?1 ? #:#$:$ dd::  xF6E0  dd#:#$:$ dd::20Framhaldssk;lastig y; Fdd#:#$:$  @@33@@::   33,2 P G0  @@33 @@ #:#$:$  A@35A@::   35,1 P H0  A@35 A@ #:#$:$  ?1?::   1,9 tO I0  ?1 ? #:#$:$ dd::  xF J0  dd#:#$:$ dd::17Umhverfisml y; Kdd#:#$:$  ,@14,@::   14,7 P L0  ,@14 ,@ #:#$:$  0@160@::   16,9 P M0  0@16 0@ #:#$:$  @2@::   2,2 tO N0  @2 @ #:#$:$ dd::  xF O0  dd#:#$:$ dd::24HeilbrigWisYj;nustautansjkrahsa y;!oPdd#:#$:$  I@51I@::   51,8 P!oQ0  I@51 I@ #:#$:$  K@54K@::   54,2 P!oR0  K@54 K@ #:#$:$  @2@::   2,4 tO!oS0  @2 @ #:#$:$ dd::  xF!oT0  dd#:#$:$ dd::21Hsk;lastig y;b":Udd#:#$:$  B@36B@::   36,1 Pb":V0  B@36 B@ #:#$:$  C@38C@::   38,8 Pb":W0  C@38 C@ #:#$:$  @2@::   2,7 tOb":X0  @2 @ #:#$:$ dd::  xFb":Y0  dd#:#$:$ dd::25HjkrunarogendurhfingarYj;nusta y;-#Zdd#:#$:$  F@45F@::  45,9 P-#[0  F@45 F@#:#$:$  H@49H@::  49,0 P-#\0  H@49 H@#:#$:$  @3@::  3,1 tO-#]0  @3 @#:#$:$ dd::  uxF-#^0  dd#:#$:$  dd::33FjrmagnskostnaWur,byrgWirog #_ lfeyrisskuldbindingar uy;$ `udd#:#$:$  Q@68Q@::  68,1 uP#a0  Q@68 Q@u#:#$:$  V@90V@::  90,5 uP#b0  V@90 V@u#:#$:$  6@226@::  22,5 [uP#c0  6@22 6@u#:#$:$ dd::  VLJ#d0   [dd#:#$:$ V    XaWsemskUrirjkvttfrvikfrtlunumaWstrstumhlutaeraWlfeyrisskuldbindingar e&="e mlefnasviWi33eru24ma.kr.lgrientlanir.MlefnasviW23SjkrahsYj;nustaermeW 0'#f rmlega3ma.kr.halla,enLandsptaliermeWtplega4ma.kr.halla. '#g   mlefnasviWi34var;rWstafaW3,5ma.kr.fjrheimildalmennsvarasj;Wsenafskriftir ( skattkrafnavoru7ma.kr.umframfjrheimildrsins.    0rsskUrslumrWherrasemberabyrgWframangreindummlefnasviWumerfjallaWum  rekstrarniWurstWurmlaflokkaogYarkomaeinnigframskUringarhelstufrvikumog a sundurliWuntgjaldamlefnasviWaniWurmlaflokka.HelstustWurfyrirfrvikum T, mlefnasviWasemfarameiraen1ma.kr.umframfjrheimildireru:  Q  Q  Q݌̌  Q  QG  MlefnasviW34Almennurvarasj;WurogsrtkarfjrrWstafanir,3,5ma.kr.umfram   tlaWarfjrheimildir.QGe݌  X Ќ    Afskriftirskattkrafnavoru7ma.kr.umframfjrheimildrsins.Afskriftskattaogannarra K #  ;innheimtrarkisteknamlaflokki34.3AfskriftirskattkrafnanamYekkrifjrhWogriW    undaneWa24,6ma.kr.semer6,9ma.kr.meiraentlaWvarfjrlgum.:innheimtar    eftirstWvarerumetnarrlegaogfrWarniWurmeWtillititilYesshversulklegteraWYr   muniinnheimtast.NiWurstWurmatsinsleiWaframraunhftverWmtieignarrkisinsformi wO  krafnaskattgreiWendurogfristhnefnahagsreikning.samahttogviWuppgjrrsins B  2018varbeittsrstakrirUnitilviWb;tarviWhefWbundiWverklag.EftirstWvarvorugreindar    eftireinstkumtegundumskattaogaldrikrfu,ogYrffyrirniWurfrslumetinlj;si   sgulegrarreynsluafinnheimtu.ViWmatiWnvarvirWisaukaskatturrUndursrstaklegasem {  leidditil6,2ma.kr.viWb;tarniWurfrsluumframYaWsem;breyttaWferWhefWigefiWeWaalls nF 10,1ma.kr.AWrirskattarogtryggingagjldvorufrWniWurumalls13,6ma.kr.ogaWrar 9 tekjur,aWallegasektir,um0,9ma.kr.  ЀQ  Q  MlefnasviW23SjkrahsYj;nusta,3,2ma.kr.umframfjrheimildir.Q݌ r Ќ    FrvikiWskUristaWmestuaf3,8ma.kr.hallarekstriLandsptala.EkkiergetiWum e= stWurhallansrsskUrsluheilbrigWisrWherra. 0  Q  Q  MlefnasviW33FjrmagnskostnaWur,byrgWiroglfeyrisskuldbindingar,22,5ma.kr.innan  fjrheimilda.Q݌ i Ќ    AfgangurskUristaflfeyrisskuldbindingumenvsitalalaunaopinberrastarfsmanna \4 hkkaWitalsvertminnaengertvarrWfyrirforsendumfjrlagaogYarmeWvargjaldfrW ' skuldbindinglgri.EinsvarhreinraunvxtunfyrirframgreiWslumrkissj;Wsupp  bakbyrgWarskuldbindingarBdeildLSRmeWhstam;tieWa14,8%semhefurhrifstWu  skuldbindingarslok.0matistWulfeyrisskuldbindingarslokvoruteknaruppnUjar `  srhfWartflurumlfslkur,semhfWuYrafleiWingaraWskuldbindingarjukustum83 S+! ma.kr.XarsemYettaerusrhfWarbreytingarfrWustYrekkigegnumrekstrarreikning " heldursemendurmatefnahagsreikningi. #  Q  Q"  Fjrfestingar.Q"@݌ !W% Ќ  $$$  Fjrfestingarrsinsnmu41,5ma.kr.ogvoru19,5ma.kr.lgrienheimildirtil J""& rWstfunarrinu.FjrfestingarframlagtilrWstfunarrinunam60,9ma.kr.enYaraf #' vorufjrheimildirfrfyrrari17,4ma.kr.XrttfyriraWafgangursheildarheimildumtil #( fjrfestingavarumfangfjrfestinganlgtYeimheimildumsemveittarvorufjrlgum $ ) rsins2019. v%N!* $$$  0tflu5eryfirlityfirmlefnasviWsemskUrahelstufrvikfrtlaWrifjrfestingursins A&"+ ogvoruYaullinnan_fjrfestingaheimilda_.  '",  Tafla5.MlaefnasviWsemskUrahelstufrvikfrheimilaWrifjrfestingursins.  (z$. *no ddG ::E ::::::::jk>>,.::,::,::,h::+  V[[A(( J dd::VMlaefnasviW!upphWirma.kr. u[[`;4 [[dd#:#$:$ dd::u  Eignfrsla u[[`;4  [[dd#:#$:$ dd::u  Fjrheimild u[[`;4  [[dd#:#$:$ dd::u  Frvik xF4   J [[dd#:#$:$ dd:: u`;rJdd#:#$:$ dd::u  u`;rJ0dd#:#$:$ dd::u  u`;rJ0dd#:#$:$ dd::u  xFrJ0  dd#:#$:$ dd::20Framhaldssk;lastig wm;= dd#:#$:$ # :: w  0,6 lbD= 0 #  #:#$:$ :: l  1,7 xn1= 0 #:#$:$  ?1?:: x  1,1 Z= 0  ?1  ? #:#$:$ dd::17!Umhverfisml wm; dd#:#$:$ # :: w  0,7 lbD0 #  #:#$:$ :: l  2,4 xn10 #:#$:$  ?1?:: x  1,7 Z0  ?1  ? #:#$:$ dd::25!HjkrunarogendurhfingarYj;nusta wm;dd#:#$:$ # :: w  0,3 lbD0 #  #:#$:$ :: l  2,2 xn10 #:#$:$  ?1?:: x  1,8 Z0  ?1  ? #:#$:$ dd::09!_Almanna_Ԅogrttarryggi wm;vdd#:#$:$ # :: w  0,8 lbDv0 #  #:#$:$ :: l  3,4 xn1v0 #:#$:$  @2@:: x  2,6 Zv0  @2  @ #:#$:$ dd::21!Hsk;lastig x;i Add#:#$:$  ?1?::   1,5 wmOi A0  ?1 ? #:#$:$ :: w  4,2 xn1i A0 #:#$:$  @2@:: x  2,6 Zi A0  @2  @ #:#$:$ dd::23SjkrahsYj;nusta x;4 dd#:#$:$  @7@::  7,3 wmO4 0  @7 @#:#$:$ ::w  10,0 xn14 0#:#$:$  @2@::x  2,7 uZ4  0  @2  @#:#$:$ dd::11Samgnguogfjarskiptaml uy; !udd#:#$:$  :@26:@::  26,9 unP "0  :@26 :@u#:#$:$ ::  30,8 un1 #0u#:#$:$  @3@::  3,9j`^ $0  @3    @u#:#$:$ jJ    J4  J4^݌̌