WPCN tM07[|01_VC<8hW n@ &{9$]'0ڕLrNmYu?׮΢$)oukn׻H:ͤ'PlLIS x8e5輆og3@G@#X2?`qZs6R뎾Q? M JIΆj OrtڧA/O 1bbyAkV`EhbKWf:M]cWOJ,¥slUSYlN"" .^՛ΕL@Y_:mL`5ƶh{V#!-$5"s任lz|ԕ=I?WBG8ƣm2ӓ_B;fLVa MªYw mw4^ -9/H 0(w B-Z 0l& 0D 1 72Y 0 0+ 0 0 0D D-@ oQ @ N(o X(E44f4a4~556(67~988799999999999999999999999999999999999999999999999N[:[:[:[:[: 1]:]: 0:::: 0>> 0AA 0)u3D3D 0wDD 0EE 0EE 1uFFFF B FFFF$GGGGGGGGGGGG 727H7H7H7H 1iHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHiHU: I I 0DIDIMWLWLWLWLD[L[L[L[L AM 0K>N(N&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wpt UeS:Qrirs?g%Q3|x %y_($)Hairline d8DocumentManagement::ModifiedBooleanTRUE(%2#$ y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`   #  0  0  (#$  0  ikmoxCEIMQUY]aAutoList1!!!!!!!!1)a)!(xir$0  0` (#(#0 ` (#` (#2#(  0  )3  0 (# (#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#2#(   )3  0h(#h(#($0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#2#  0  )3  0(#(#({$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#2#  a  )3  0p(#(#(F$0  0` (#(#0 ` (#` (#0 (# (#0h(#(#0h(#h(#0(#(#0p(#(#2#     )3  0p(#p(# فLevel 1Level 2Level 3Level 4Level 5)!dxdx WPCtt! t ƚt~I o   `."System-"System6+LeP"---"System--Q@Times New Roman--- b'---  2 b O -,---  .W"System-''W"System- . --' '  '  '  Q Calibri-2 AilidW&%&2 HagstofaqWX>?W2X2 r SelabankiKWX%XWXWK& 2 OECDqWXp2 tgfap?WX2W2 oktberWK?WXW?2  nvemberWXKWWX>2 fdesemberXW?WWX>QTimes New Roman- 2 2020WXWXQTimes New Roman-2  HagvxturqKWXWX2W? 2 -7,6?W2X 2 _ -8,5?W2X 2 ;-7,7>X2W2  Atvinnuleysiq2W&WXW&KWK& 2 7,8X2W 2 x 5,9X2W 2 T5,4W2X- 2 2021WXWX-2 v HagvxturqKWXWX2W? 2 v3,9X2W 2 vx 2,3X2W 2 vT3,0W2X2 W Atvinnuleysiq2W&WXW&KWK& 2 W6,8X2W 2 Wx 8,3X2W 2 WT7,5W2X-'- - -  - @ ! - - @ ! -  -'-  ''   '"SystemeP"7nG" -''"System---"Arial-- WPCtTtT! tTF ƚtTF    N`."System-"System N8gP"---"System--"System--"System-- Q@Times New Roman---Mb'---  2 MpbM O -Jp,Jp---  .W"System-''W"System- . --' >c' >c ' >c ' >c Q Calibri-2 Upphafl.pWXWX2%22 % tluc>&WW2  Mism.%?22 JHlutfallp%X>2X%%2 W mia. kr.2%%X2%K>22 tlanirW?%XW%?2  tkomaW>KXW2 mism.&>1QTimes New Roman-2  HeildartekjurqK%&WK>2KX%W?2 372,4XWX2W2  354,6WXW2W2  -17,8?WX2W2 -4,8%>W2X2  HeildargjldqK%&WK>X%X%W2 365,7XWX2W2  372,3WXW2W 2 V6,6X2W 2 1,8%W2X2 RekstrarafkomaqKWK2>K?K>WXK 2 16,7X2W2  -17,7>XW2W2  -24,4?WX2W2 DSkuldahlutfalldXW&WKW&W2>K&%2 DD76,7%WX2W2 DV 89,3%XW2X2 Di 12,6%WX2W2  Fjrfestingard&K>?JK2&WXJ? 2 32,5WX2W 2  36,5XW2W 2 V4,0X2W2 |12,3%WW2X-'- >c-- o - @ ! - ==o- @ ! =- -'- >c >c ''   '"SystemgP"7nx -''"System---"Arial--TTABLE Ahttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_I.pdfhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_II.pdfhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_III.pdf  a',..,X+XXX? #XX+0?vvbX0#ggdd  ISUS,.   _Ԁhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_IV.pdfhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_V.pdfhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VI.pdfhttp://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VII.pdf    http://www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VIII.pdfikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.(3$ y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`   (3$ y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`   (3g$ y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`    d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d  gg+,..,X+XXX? #XX+0?vvbX0#ggdd  ISUS,.   d  ݀qi) gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular(3$ y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`    : e),..,X+XXX? #XX+0?vvbX0#ggdd  ISUS,.   _>? Ҁ I&mage!<=8C HKKKK( $ Figure  1   y!,..,X+XXXTRW6&A4X3' Letter 6&A43'LetterT ? #XX+0?vvbX0#ggdd  8#dd8ISUS,.     ^^`   _ >?  _ikmo(%03q'  9-P*151.lggjafarYing2020!2021. ( Xingskjal651"2.ml.  SWariumrWa.     x#  Nefndarlit## x#     umtillgutilYingslyktunarumfjrmlatlunfyrirrin2021!2025.    Frmeirihlutafjrlaganefndar. K #    NefndinhefurfjallaWummliWogfengiWtilsnfjlmargagestifrumsagnaraWilumauk    fulltrarllumrWuneytum.     05.gr.lagaumopinberfjrml,nr.123/2015,kemurframaWeigisWaren1.aprlrhvert wO  leggirWherrafyrirAlYingitillgutilYingslyktunarumfjrmlatluntilnstufimmra B  hiWskemmsta.tluninskalbyggWfjrmlastefnusemfjallaWerum4.gr.lagannaog    skilyrWumhennarskv.7.gr.Skumk;r;nuveirufaraldursinshafaorWiWtmafrvikYessum   fyrirmlumlaganna.EnnfremurersvomltfyrirumlgunumaWlyktunAlYingisum {  fjrmlatlunskuliliggjatilgrundvallarviWgerWfrumvarpstilfjrlagaogfjrhagstlanir nF sveitarflagannafyrirkomandifjrlagar.HafifjrmlastefnaveriWendurskoWuWskv.10.gr. 9 skalendurskoWaforsendurfjrmlatlunarsvoflj;ttsemverWam.AlYingisamYykkti  endurskoWaWafjrmlastefnu3.septembersWastliWinn.   UmsagnaraWilar.  e=   fundnefndarinnarkomufjlmargirfulltrarfjrmla-ogefnahagsrWuneytisinsog 0 gerWumlinutarlegskil,einstkumYttumYessogkflumgreinargerWarinnaraukYesssem  fulltrarallraannarrarWuneytakomufundnefndarinnaroggerWugreinfyrirYeim  mlefnasviWumogmlaflokkumsemundirYauheyra. i   Nefndinnibrustsamtals29umsagniraukfjlmargraannarraerindaogminnisblaWa. \4 fundnefndarinnarkomusamtals24aWilarsemvorufulltrarfrfjrmlarWi,AS0,Bandalagi ' slenskralistamanna,BSRB,BHM,flaginuFemnskfjrml,Fj;rWungssambandiVestfirW  ingaogVestfjarWastofu,LandssamtkunumXroskahjlp,ryrkjabandalagi0slands,Reykja  vkurborg,RkisendurskoWun,Sambandislenskrasveitarflagaogflestumlandshlutasam `  tkumsveitarflaga.EinnigkomufulltrarfrSamtkumatvinnulfsins,SamtkumferWa S+! Yj;nustunnar,SamtkumfyrirtkjavelferWarYj;nustu,SamtkumiWnaWarins,Samtkum " verslunarogYj;nustuogViWskiptarWi0slands.XkomugestirfrHagstofu0slandsauk # KristrnarFrostad;tturhagfrWingsfundnefndarinnar.  $ UmfjllunsamhliWafjrlagafrumvarpi. J""&   0lgumumopinberfjrml,nr.123/2015,erstefnumrkunopinberumfjrmlummiWuW #' viWaWrkisstj;rnhverjusinnileggiframfjrmlastefnusnaupphafikjrtmabilsogfjr #( mlatluntilfimmrasuppfrWrlegaogfjrlagafrumvarphversrsbyggistgildandi $ ) fjrmlatlun. v%N!*   NhttarsvotilaWYessiskipanmlahefurriWlastkjlfarefnahagsfallsinsvegna A&"+ k;r;nuveirunnar.NUfjrmlastefnavarsamYykktbyrjunseptembersl.oggrundvelli  '", hennarerendurnUjuWfjrmlatlunsemtekurtilranna2021!2025tilumfjllunarAl '#- YingisamhliWafjrlagafrumvarpifyrirriW2021. (z$.  9  y_      Umfjlluninskarastogumsagnirt;kuoftasttilbeggjamlannasamanognefndinfjallaWi ( umYausamhliWa.XettafyrirkomulagerekkisamrmiviWuppleggiWlgunumennauWsyn  legtaWYessusinniskumYessaWefnahagsleg;vissavegnaheimsfaraldursinskomveg  fyriraWraunhfartlanirlgjufyrirsl.vetur.0jnmnuWisamYykktiAlYingifrumvarp a semheimilaWiYettatmafrvikfrlgumumopinberfjrml. T,  Tengslfjrmlatlunarogfjrmlastefnu.     LgumsamkvmtskaltillagatilYingslyktunarumfjrmlatlunbyggjastfjrmla   stefnu.TluleggildistefnunnarerusettframsemhlutfallafvergrilandsframleiWslu(VLF)  X ogerugerbreyttfrfyrristefnusemsamYykktvarfyrra.NergertrWfyriraWafkomahins K #  opinberagetiveriWneikvWllrinsemtluninnrtil.0stefnunniermiWaWviWaWheildar    afkomahinsopinberagetiveriWneikvWumalltaW13%afVLFnstariog10,5%riW    2022.InnifaliWYvhmarkier3%;vissusvigrm.0fjrhWumtaliWkemurYaWframsem   alltaW400milljarWakr.hallinstariog340milljarWakr.riW2022.BenteraWhrer wO  umhmarkaWrWaogtlanirgerarWfyrirmunlgrihallaeWaum325milljarWakr.hj B  rkissj;Wiog31milljarWskr.hjsveitarflgum,eWasamtals356milljarWakr.nstari.    EkkiergertrWfyrirjkvWumrekstrifyrreneftirriW2025.     SkuldahmarkiWsemfjrmlastefnanseturmiWastnnaviWhlutfallafVLFsemnemur {  45%rslok2020,55%rslok2021og64%rslok2022.XerttviWheildarskuldirA nF hlutahinsopinberaheild,YannskuldamlikvarWasemskilgreindurerlgumumopinber 9 fjrml.    AlYingihefursamYykktaWfjrmlareglurnar7.gr.lagaumopinberfjrmlfallitma  bundiWrgildi,eWaframtilrsins2026.XaWernauWsynlegttilYessaWskapasvigrmfyrir r nverandiefnahagsstefnu.meWaneruYaWgrunngildin6.gr.lagannaogmatfjrmlarWs e= YeimsemgefatilkynnahversuvelgenguraWnmarkmiWumumaWstWvaskuldasfnun 0 ina.Grunngildinerusjlfbrni,varfrni,stWugleiki,festaoggagnsi.   Meginefnitillgunnar.  i   TillagansamanstendurafsjtflumsemtakatilfjrmlaopinberraaWilaheild,rkisog \4 sveitarflagasemogfyrirtkjahinsopinbera.MeWtillgunnifylgirtarleggreinargerW. ' FyrstataflansUnirlykiltlurumafkomuogefnahaghinsopinbera.HinartflurnarsUna  rekstraryfirlitfyrirhiWopinberaheild,skiptinguA-hlutarkissj;WsogA-hlutasveitar  flaga,heildartgjldmlefnasviWarkisins,rammasetttgjldogsj;Wstreymirkissj;Ws. `    NokkrirveigamiklirliWirfallaekkiinnantgjaldarammamlefnasviWa,svosemlfeyris S+! skuldbindingar,Atvinnuleysistryggingasj;Wurogvaxtagjldrkissj;Ws. "   NUmlieraWsj;WstreymiWsbirtfjrmlatlunogmeWYvertekiWtillittilathuga # semdafjrmlarWsogmeirihlutafjrlaganefndarummeiriumfjllunumhreyfingarsem  $ frWarerugegnumefnahagsreikning. !W%   EfnisuppbygginggreinargerWarinnarerYannigaWfyrsterfjallaWumherslurogmegin J""& markmiWstj;rnvalda,Yvnstumefnahagshorfur,fjrmlrkisogsveitarflagaogumbtur #' starfsemihinsopinbera.Efnismestikaflinnerumfjllunumstefnum;tunrWuneytafyrir #( einstkmlefnasviWsemundirYauheyra.0YeirriumfjllunerfariWyfirumfangsviWanna, $ ) fjrmgnun,helstuskoranirogtkifri,markmiWogmlikvarWarangur. v%N!*   MeWalendurb;tagreinargerWinnierbirtingfleirisviWsmyndaumYr;unefnahagsmla A&"+ ogerYaWsamrmiviWathugasemdirfjrlaganefndar.XerubirtarsvokallaWarramma  '",  greinarsemfjallam.a.umumfangm;tvgisaWgerWavegnak;r;nufaraldursinsauknnari '#- umfjllunarumgjalda-ogtekju&   Yr;unogWrumYttumeinsoglnshfiogherslu ( velsldarmarkmiWgerWnnarisk'((il.   MeginviWmiWfjrmlatlunarinnar.  a   ViWfangsefniopinberrafjrmlasnUstnnaumYaWhvernigbestsaWkomasttrYeirri T, djpuog;vntukreppusemleiddiafheimsfaraldrinum.SetthafaveriWmarkmiWumaWt  refnahagsstandinukomisamkeppnishftYj;WflagYarsemvelsldbyggistkrftugu  efnahagslfiogflugummannauWi.FjrmlumhinsopinberaermarkvisstbeitttilaWtryggja   stWugleikaogskapaefnahagslegaviWspyrnu.  X   JafnframterlgWherslaaWverndaYannrangursemnWsthefurheilbrigWis-ogvel K #  ferWarmlum.KrftugviWspyrnaefnahagslfsinsverWurdrifinframafverWmtumstrfum    ogfjrfestingumogherslalgWranns;knir,nUskpun,menntun,innviWiogloftslags-og    umhverfisml.XverWiviWnmsYr;tturgagnvart;fyrirsWumfllumtryggWurmeWlkkun   skuldaogsjlfbrniopinberrafjrmlasvoaWekkiverWihallikomandikynsl;Wir. wO    ViWmiWineruskUrogmsetjaframfimmliWum: B  "i0J"  i0J.2%  1  .3  Ԉ0    Svigrmkraftirangursrkisfjrmlum.G;Wurrangurrkisfjrmlumundanfarin    rkemurtilg;WannaYegarkreppiraW.Efskuldirrkissj;WshefWuekkilkkaWeinsog   raunbervitniogfariWundir30%afVLFfyrra,hefWiveriWmunerfiWaraaWgrpatil {  YeirraaWgerWasemneruaWraungerastsemviWspyrnaviWkreppunni.Heimilin,fyrir nF tkinogrkissj;WurnUttuvaxtarskeiWsWusturatilaWgreiWaniWurskuldiroghafaYv 9 borWfyrirbrunYegarsyrtirlinn.XhefurveriWrWistmikilvgarumbtur  skattkerfinu.i0J..݌ Ќ  "i0J"  i0J22%  2  .3  Ԉ0    herslanUskpunoginnviWauppbyggingu.0tluninnierboWaWaWhaldafram r brautinnviWauppbyggingarmrgumsviWumsamflagsins.Xarmnefnastyrkingu e= heilbrigWisYj;nustunnar,eflingumenntakerfisins,bWiframhalds-oghsk;lastigi, 0 auknaherslunUskpunogranns;knir,st;rtaksamgngumlum,uppbygginguinn  viWaferWamannastWumogfjlmrgnnuruppbyggingarverkefni.XegarlitiWertil  helstubreytingasemorWiWhafatgjldumrkissj;WssstglggtaWherslurstj;rnar i sttmlanshafafengiWframgangllumsviWum.i0J22݌\4 Ќ  "i0J"  i0Ji62%  3  .3  Ԉ0    ByrWumlttaff;lkiogfyrirtkjum.TvmeginmarkmiWeruviWgerWtekjutlunarfjr ' mlatlunar.AnnarsvegarerdregiWrlgum,m.a.meWYriWjaskattYrepinu,tilaW  hkkarWstfunartekjuralmenningsogbtasamkeppnishfniatvinnulfsins.Hins  vegartekurtluninmiWafhrifumkreppunnarnYessaWskattarsuhkkaWirm;ti `  tekjufallirkissj;Ws.i0Ji66݌S+! Ќ  "i0J"  i0J?92%  4  .3  Ԉ0    ArWsemiogatvinnuskpunfyrirrmiviWfjrfestingar.0upphafikjrtmabilsinsvar " lj;staWrWastYyrftiverulegarfjrfestingarskumYessaWsafnasthafWiuppinnviWa # fjrfestingar-ogviWhaldsYrf.ViWnverandiefnahagsaWstWurbtistviWennfrekari  $ hkkunfjrfestingarstiginuvegnaaWgerWatilaWbregWastviWefnahagslegumhrifum !W% faraldursins.SamYykktvarsrstaktfjrfestingartakogumfangYesseryfir100 J""& milljarWarkr.UmfangnokkurraverkefnaerslktaWYaWnreinnigyfirrin2024og #' 2025.SrstaklegahefurveriWhorfttilYessaWfjrfestingarnarsutilYessfallnaraWauka #( hagvxt,skilaviWunandiarWsemioghafaYannigjkvWefnahagslegogsamflagsleg $ ) hrif.i0J?9l9݌v%N!* Ќ  "i0J"  i0J=2%  5  .3  Ԉ0    SkuldasfnunstWvuWtlunartmanum.NstefniraWsamanlagWurhallirkissj;Ws A&"+ Yessuognstarinlgist600milljarWakr.SkuldirnarsemhlutfallafVLFgtuYv  '", hkkaWrYvaWverakomnarniWurfyrir30%upptp50%afVLFrslok2021. '#- framhaldandihallarekstureftirriW2021erekkisjlfbrtillengdar.tluningerir (z$. rWfyrirafkomubtandiaWgerWumtilYessaWstWvahkkunskuldahinsopinberasem ( hlutfallafVLFriW2025.XettaermeginmarkmiWtlunarinnar,aWrjfavtahring  skuldasfnunaroghallarekstursloktlunartmans.i0J=>݌ Ќ  Breyttarefnahagsforsendurfrforsendumtlunarinnar.  T,   Heimsfaraldurk;r;nuveirunnarhefurvaldiWheimskreppusemertalinverWasdUpstafr  lokumseinniheimsstyrjaldarinnar.HrlandispirHagstofa0slandsaWsamdrtturinnr  verWineikvWurum7,6%af(VLF).XtlarHagstofa0slandsaWVLFhafidregistsaman   um9,3%Wrumrsfj;rWungi.Vegnas;ttvarnahefurveriWdregiWrstarfsemifjlmargra  X fyrirtkjaogYsundirmannahafamisstvinnunaeWaeruskertustarfshlutfalli. K #    falliWermestferWaYj;nustuogtengdumgreinumennrtilflestraatvinnugreina,en    Y;ekkiallra.EfnahagsreikningurheimilaogfyrirtkjavaralmennttrausturviWupphaf    nverandiefnahagsfalls.AWaukiereiginfjrstaWabankannasterksemveitirYeimsvigrm   tilaWtakastviWaukiWtlnatapsemtlamaWfylgislkrikreppu. wO    ViWsnningurinnVLFjafngildiralltaW300milljarWakr.minniframleiWsluhagkerfinu. B  BtflutningurhefurdregistmikiWsaman,srstaklegavegnaminniYj;nustutflutningstekna    vegnafkkunarferWamannatillandsins,enframkemuraukningsamneysluvegnasjlf   virkrasveiflujafnaraogsrtkratgjaldaaWgerWa. {    Mikil;vissahefurfylgtfaraldrinumogeinkenntefnahagslfiW.XerusveiflursmuleiWis nF ;hjkvmilegurfylgifiskurs;ttvarnarWstafana.SlktstandhefurhrifefnahagsspgerW 9 semgrundvallartlanagerWinaogviWYverbrugWistmeWmismunandisviWsmyndum.  haustmnuWumvarWmikilfjlgunk;r;nuveirusmitaoghertars;ttvarnirhafavaldiWYvaW  dregiWhefurrYeirriviWspyrnuefnahagslfsinssemh;fstYriWjarsfj;rWungi2020eftir r mikinnsamdrttWrumrsfj;rWungi. e=   EfnahagshorfurhafaYvversnaWtluvert,semkemurglgglegaframn;vembersp 0 SeWlabanka0slands.0gstspWibankinnaWsamdrtturhagkerfinuYessuriyrWium  7,1%engerirnrWfyrir8,5%samdrtti.XreiknarSeWlabankinnmeWYvaWbatinnverWi  hgarioglkkarhagvaxtarspfyrirnstarr3,4%2,3%.HelstuliWirsemvaldaverri i horfumerufjrfestingarogtflutningur. \4   0gstspnnireiknaWiSeWlabankinnmeWaWryrWi10%samdrtturfjrfestingumen ' reiknarnmeW15%samdrtti.AllirliWirfjrfestingaerulkkaWir,Y.e.atvinnuvegafjrfest  ing,fjrfestingbWarhsnWiogfjrfestingarhinsopinbera.nstariberhstlkkaWa  spumtflutningengstspnnivarreiknaWmeW19,8%vextienneinungis11,7%vexti. `    FrttirafYr;unb;luefnaogb;lusetningargefahinsvegarjkvWfyrirheit.B;lusetning S+! ertilaWmyndahafinBretlandiogBandarkjunumoggefurtilkynnaaWhorfurefnahags " mlumfaribatnandi.0byrjundesemberbirtiOECDnUjahagspsemernrhagspHagstof # unnarfrYvokt;ber.EnOECDspiraWsamdrtturrverWi7,7%ogaWhagvxtur  $ nstariverWi3,0%.XspirOECDaWatvinnuleysiverWium7,5%nstarisemer !W% nokkruminnaatvinnuleysiennUjustuspSeWlabanka0slands.Einnighefurstyrking J""& slenskukr;nunnarfrYvn;vemberdregiWrhorfumumhkkandiverWb;lgu. #'   XrttfyriraWlkursuYvaWhgtverWiaWhefjab;lusetningu0slandisnemmansta #( riverWurframmikilvgtaWveitaYeimstuWningsemverststandavegnahertras;ttvarna $ ) ogYverufjlmargaraWgerWirogrWstafanirhinsopinberaframlengdar,gildieWatilaf v%N!* greiWsluframmittnstar.MikilvgteraWkomasthrattogrugglegatrefnahagslgW A&"+ innimeWskilvirkumb;lusetningumaukframhaldandis;ttvarnarWstafanaYannigaWeWli  '", legurgangurefnahagslfinugetihafistsemfyrst.SamkvmtOECDnYaulndsemhafa '#- YettaaWleiWarlj;simeWskilvirkumhttisrbeststrikefnahagslegutilliti. (z$. -P* - -    EftirfaranditaflasUnirnUjustusprSeWlabanka0slandsogOECDsamanburWiviWsp  Hagstofu0slandsfrYvbyrjunokt;ber.TaflansUnirmagnbreytingarpr;sentumogat  vinnuleysisemhlutfallaftluWuvinnuafli.  s?/+b|1yx@ `t@Ex@x@s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  nstariergertrWfyriraWhagkerfiWtakivelviWsrogHagstofa0slandsspir3,9%   hagvexti.HagvxturnstariverWurdrifinnframafauknumfjrfestingumogauknum iO  tflutningi.X;ertlaWaWatvinnuleysiveriWennhtteWaum6,8%. 4    HafaberhugaaWhrerumaWrWaspsamkvmtvinnumarkaWsknnunHagstofu0s   lands.SknnunhefurmltberandiminnaatvinnuleysimiWaWviWskrWatvinnuleysisam   kvmttlumVinnumlastofnunar.TaliWeraWvinnumarkaWsknnuninskilialltaW2pr; {  sentustigaminnaatvinnuleysimiWaWviWskrWatvinnuleysi.SvarhlutfallvinnumarkaWs `F knnunarHagstofunnarhefurekkiveriWn;gugott,semertaliWskUraYennanmun. +   SamkvmtlangtmaspHagstofu0slandsumhagvaxtarhorfur0slandierreiknaWmeW  aWhagvxturtakiviWsrYegarnstariogverWi3,9%ReiknaWermeWframhaldandihag  vextiogaWrinu2022verWihagvxtur3,1%ogsvoverWihagkerfiWlangtmaleitnihag r vaxtarbilinu2,4%til2,6%tilrsins2026. W=   XaWgeturhinsvegarorWiWnokkurskorunaWviWhaldahagvextihrlandi.AlYj;Wagjald " eyrissj;WurinnhefurtlaWaW0slandishagvaxtargetatillengritmalitiWum2%.Xarer  t.d.litiWtkniframfarirogldrunYj;Warinnar.Lj;stYykiraWvextiferWaYj;nustuerutak  mrksett.HagvxtYarfaWbyggjabreiWumogfjlbreyttumgrunnisemnrtilsemflestra i YttaefnahagslfsinssemrkiralmennsamflagslegsttummeWnotkunframleiWsluYtta N4 huga.EinnigskiptirhrmlihverYr;uninverWurokkarhelstuviWskiptalndum.Xessvegna  m.a.hafastj;rnvldaukiWverulegafjrmagntilnUskpunar,ranns;knaogYr;unareWaum  tplega74%kjrtmabilinu.   Sveiflujfnunarhlutverkopinberrafjrmla.  E+!   RkiogsveitarflghafameWopinberumfjrmlummikilvgusveiflujfnunarhlutverki " aWgegnahagkerfinu.MeWkvrWunumtgjldogskattastefnuhefurhiWopinberahrif # UmsaYttihagkerfinu,svosemheildareftirspurneftirvrumogYj;nustu,atvinnustig,verW  $ lagsYr;unoghagvxt.FjrmlastefnaogtlanagerWeinsoglgumopinberfjrmlform q!W% geraerafarmikilvgYessusamhengi.SlkstefnumrkunertilYessfallinaWtryggjalang <""& tmahugsunYrttfyrir;hjkvmilegskammtmaviWbrgWogrWstafanirYegarillarar. #' MikilvgteraWYarfarisamansamflagslegmarkmiWogumhverfissj;narmiW.? #(   Sjlfvirkirsveiflujafnararerufyrstogfremstbreytingarskatttekjumogtilfrslutgjld $ ) um.ViWnverandiefnahagsstandhafaskatttekjurhinsopinberalkkaWogtgjldvegna h%N!* atvinnuleysisb;tahafahkkaWmikiW.samatmaerlgWherslaaWsjlfvirkirsveiflu 3&"+ jafnararvirkiaffullumkrafti,Y.e.ekkihefurveriWgripiWtilskattahkkanaeWahagrWingar &", tgjaldahliW.XettasamtsrtkumaWgerWumvegnaheimsfaraldursk;r;nuveirunnarveldur '#- miklumhallarekstrihinsopinbera.Afkomulkkunrkissj;WsrertluWveraum129 (z$. milljarWarkr.eWa4,5%afVLFvegnasjlfvirkrasveiflujafnara.Xaraferuum100milljarWar  kr.tekjuhliWog29milljarWarkr.vegnaatvinnuleysisb;ta.    XrttfyrirhagvxtnstarihaldasjlfvirkirsveiflujafnararframaWvirkaneikvtt  afkomurkissj;Ws.tlaWeraWsveiflujafnararrkissj;WsnstariverWisvipaWiraW {a umfangiogreWasamtalsum139milljarWarkr.semnemur4,5%afVLF.Xaraferu116 F, milljarWarkr.tgjaldahliW,seminnifelurm.a.minniarWgreiWslurflagarkiseigu,og23  milljarWarkr.tgjaldahliWvegnaatvinnuleysisb;ta.    GripiWhefurveriWtilsrtkram;tvgisaWgerWavegnaheimsfaraldursk;r;nuveirumeW   markmiWumaWdragarsamdrttihagkerfinuogminnkaatvinnuleysi.0rertlaWaW r X kostnaWurviWbeinarm;tvgisaWgerWirrkissj;Wsnemitpum100milljrWumkr.eWa3,4% = #  afVLF.Xaraferu85milljarWarkr.tgjaldahliWogum13milljarWarkr.tekjuhliW.    nstaritlarfjrmla-ogefnahagsrWuneytiWaWumfangm;tvgisaWgerWanemisamtals    tplega53milljrWumkr.eWaum1,7%afVLF.Xaraferu35milljarWarkr.tgjaldahliW   og17milljarWarkr.tekjuhliW.TakaskalframaWhrereinungisumaWrWaYrm;tvgis iO  aWgerWirsemhafabeinhrifafkomurkissj;Ws.M;tvgisaWgerWirnarerufjrmagnaWar 4  meWlntkumrkissj;Ws.     NYegarmyndasthefurmikillslakihagkerfinuogframleiWsluYttireruvannUttirgeta   aukintgjldhinsopinberahaftveruleghrifhagkerfiW.Fjrmla-ogefnahagsrWuneytiW {  tlaraWrkisfjrmlamargfaldarinnsnbilinu0,3!0,4.XettaYUWiraWefrkistgjld `F aukastum1%afVLFYverWurhagvxtur0,3!0,4%hrrienella. +   XaWerYekktviWfangsefniaWtmasetningaraWgerWaeruvandasamarYegarkemuraWhrif  umhagkerfiW.ViWslkaraWstWurerekkiumaWrWaaWbWaeWahugamikiWaWtmastill  ingumaWgerWannasjlfra.HinsvegarermikilvgtaWfjrmlastefnaogpeningastefnavinni r samanmeWviWlkahttioghingaWtilYegardragaYarfrm;tvgisaWgerWum. W=  litsgerWfjrmlarWs.     Samkvmt13.gr.lagaumopinberfjrmlberfjrmlarWiaWleggjaframmatoglits  gerWumfjrmlatlun.HlutlgtmatfjrmlarWsstefnumrkunogtlanagerWopinberra i fjrmlaersemfyrrafarmikilvgttkifyriraWhaldogumfjllunumstefnustj;rnvalda. N4   RWiWbendirm.a.eftirfarandiYttisemmeirihlutinntekurundir.  ! ! ikmo(x0_ikmo"i0J"  i0J w 2!3  Ԉ0    RWiWfjallarsrstaklegaumsjlfbrniskuldaogdregurframaWsjlfbrnierhreyfan  legtfyrirbrioghWsamspilifrumjafnaWar,hagvaxtarogvaxta.XrttfyriraWrWiWtelji  neikvWaskuldaYr;unhinsopinberaekkihyggjuefnieinsogsakirstandahefWimtt z`  skUraYettasamhengibetur.JafnframtkemurframlitirWsinsaWskuldaaukninggetur E+! ekkiveriWtakmarkalausoghallareksturhinsopinberaYarfaWstWvarttumtma " punkti.FjrmlarWhefurvissarhyggjurafYvaWaftluninnimegirWaaWYegarsr # tkumaWgerWumlUkurverWiafkomanframneikvWvegnaundirliggjandimisrmis  $ millitekjuflunarogtgjaldavaxtar.XannigerbentaWekkiervstaWafkomubtandi q!W% aWgerWirsemboWaWarerusWarihlutatmabilstlunarinnardugitilaWnjafnvgi <""& afkomunni.i0J w6w݌#' Ќ  "i0J"  i0J| 2!3  Ԉ0    SkuldastaWanupphafifaraldursinsmyndaWisvigrmtilYeirrarstefnumrkunarsemn #( liggurfyrir,enbenteraWmiWaWviWYmyndsemdregineruppfjrmlatlunYurfi $ ) aWstyrkjatekjufluninaog/eWaminnkatgjldtilaWtryggjasjlfbrniopinberrat h%N!* gjalda.LUsteryfirhyggjumafYvaWtluninniergertrWfyriraWafkomanverWi 3&"+ neikvWallantlunartmann.BendirrWiWaWundirliggjandivandiafkomunnihafi &",  YegarveriWtilstaWarfyrirk;r;nuveirufaraldurinn.i0J|G|݌'#- Ќ  "i0J"  i0J 2!3  Ԉ0    RWiWtelurYaWaukagegnsia&   WreyntsaWleggjamatumfangYeirraafkomubtandi  rWstafanasemrWastYarf':rabilinu2023!2025tilaWnmarkmiWumumstWvun  skuldasfnunar.i0J݌ Ќ  "i0J"  i0J 2!3  Ԉ0    RWiWleggurhersluvelskilgreintoggegnsttferliYegarfjrmlareglurerusettartil {a hliWar.XettakallareinnignUttverklagogvinnubrgWviWlitsgerWfjrmlarWs.X F, bendirrWiWaWgrunngildineinveitileiWsgnstefnumrkuninniYegarfjrmlaregl  urnarerusettartilhliWar.RWiWtelurmikilvgtaWvalkostirhinsopinberaverWiskUrt  dregnirfram.i0J݌  Ќ  "i0J"  i0JS 2!3  Ԉ0    VarWandifjrfestingarYhefurrWiWtrekaWkallaWeftirskUrriforgangsrWunfjr r X festingarkostaogarWsemistreikningaYeirrahrlendis.RWiWhefurvntingarumYaW = #  aWframtWinniverWibttrgegnsivarWandiarWsemifjrfestingaogsUntverWifram    jkvWefnahagslegogsamflagsleghrifYeirra.EinnigbendirrWiWaWbtamegi    tlulegarframsetningarumfjrfestingarYarsemmttidragaupplUsingarnarbetursam   antilaWauWveldasamanburW.i0JS݌iO  Ќ  "i0J"  i0J 2!3  Ԉ0    XbendirfjrmlarWaWmikil;vissarkirumYspsemstefnumrkunopinberra 4  fjrmlabyggist.:vissanermeiriennokkrusinnifyrrogendurvarpastbeintstefnu   mrkunina.i0J؇݌  Ќ  "i0J"  i0Jf 2!3  Ԉ0    FjrmlarWteluraWstrstaverkefniopinberrafjrmlansaWkljstviWatvinnuleysi {  ogaWvinnagegnYvaWYaWverWilangvinnt.i0Jf݌`F Ќ  EftirfylgnivegnaathugasemdaviWfyrritlun.     undanfrnumrumhafakomiWframfjlmargarbendingar,Umistfrnefndinniheild  eWaeinvrWungufrmeirihlutanum,oggerWhefurveriWgreinfyrirYeimnefndarlitum. r VegnaYeirrartlunarsemt;ktilranna2018!2023vorusamtals20sameiginlegarbend W= ingarsemflestarsneruaWuppbygginguogtknilegriframsetningutlunarinnar.XaraW " aukivoruttabendingarfrmeirihlutanefndarinnar.BiWeraWtakatillittilfjlmargra  bendinganefndarinnar,svosemumfjllunarumfjrfestingar,aWbregWastviWbendingum  fjrmlarWsogaukaviWsviWsmyndagreiningar. i   MeirihlutinnvekursrstaklegaathygliYeimkaflagreinargerWarinnarsemfjallarumfr N4 vikssviWsmyndirogtelurhannmjgtilb;ta.XarerfjallaWumsvartsUnarogbjartsUnarsviWs  myndirsamanburWiviWgrunnsviWsmyndinasembyggistYj;WhagstlunHagstofunnar.   StaWasveitarflaga.  z`    MeirihlutinnfjallaWitluvertummlefnisveitarflaganefndarlitisnuviW2.umrWu E+! fjrlagafyrirriW2021ogYarkomframaWrkiWogsveitarflghafanUveriWundirritaWsam " komulagtengslumviWgerWfjrmlatlunarranna2021!2025einsoglgumopinber # fjrmlkveWaum.  $   SamrWsnefndrkisogsveitarflagasettuf;tgreiningarh;ptilaWvinnaaWtvYttuverk q!W% efnikjlfark;r;nuveirufaraldursins,annarsvegartilaWtakasamanupplUsingarumfjr <""& hagstlanirogfjrhagsstWueinstakrasveitarflagafyrirriW2020ogYr;unYeirraog #' horfur,oghinsvegartilaWsafnasamanupplUsingumumeinstakaYttisemlj;stYykiraW #( hafimikilhrifafkomusveitarflagakomandimnuWumogmisserum. $ )   GgnumhefurveriWsafnaWsamangagnagrunnogleitasthefurveriWviWaWnUtaYautil h%N!* aWfsemgleggstamyndafstWunni,heildstttogskipteinstksveitarflgoglandshluta. 3&"+ HelstuniWurstWurafYessarivinnuvirWastbendatilYessaWsamdrtturtekjumverWiminni &",  engertvarrWfyrirsumar,enheildargjldinYausmu. '#-   SveitarflginhfWuupphaflegag&   ertrWfyrirmeirihkkunteknafr2019,eWanlgt  5%,ennerspWum3%hkkunlgbu'Bndinnateknamillira.Lgbundnartekjurerutsvar,  fasteignaskattarogframlgJfnunarsj;Ws.TilsamanburWarergertrWfyrir13%lkkun  heildarteknarkissj;Ws. {a   StaWanerY;skrrientlaWvarsumar.0eftirfaranditflukomaframniWurstWurupp F, haflegrafjrhagstlanasveitarflagasamanburWiviWtkomusprsins,aukskuldahlutfalls  ogumfangsfjrfestinga.  s?/+b|1@ `tT@Eu @@r >s >?>?>> >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >?>?>?>? >>>?>?  Lj;steraWneikvWhriffaraldursinsfjrmlsveitarflagannaeruveruleg.Skuldireru {  um2milljrWumkr.lgrienspWvarsumareneigiaWsWurhkkarskuldahlutfallYeirra `F uppum90%afrekstrartekjum.SveitarflginhafaaukiWfjrfestingarsnarrinuog + YannigtekiWYttYv,meWrkissj;Wi,aWveitaviWspyrnugegnefnahagskreppunni.   Breytingartillgur.  r   0samrmiYr;unefnahagsmlasWustumnuWiogtengslumviWbreytingarsemmeiri W= hlutinnhefurgertviWfrumvarptilfjrlagafyrirriW2021erugerWarbreytingartillgurbWi " tekju-oggjaldahliWtlunarinnarsemhafahrifallarsjtflurlyktunarinnar.  Afkomuhorfur. i   UppfrWtlungerirrWfyriraWafkomahinsopinberaverWineikvWnstarium356 N4 milljarWakr.eWaum11,6%afVLF,enYarafverWiafkomarkissj;WsneikvWum325  milljarWakr.eWa10,6%afVLF.GerterrWfyriraWverulegadragirhallarekstrihins  opinberarineftirYaW,enaukjkvWrahrifaYessaWhagkerfiWtakiafturviWsrkjlfar  heimsfaraldursinserfjrmlatluninnigertrWfyrirafkomubtandirWstfunumrin z`  2023!2025. E+!   XessiafkomuYr;unrmastinnanmarkmiWafjrmlastefnuaWteknutillititil;vissu " svigrms,engerterrWfyriraWnUtaumhelmingYess;vissusvigrmssemtilskiptannaer # nstari.  $   AfkomuhorfurhinsopinberaerulakarinenviWfyrriumrWufjrmlatlunaroghafa q!W% lkkaWum1,9%afVLFriW2021ogum0,5%afVLFrineftirYaWYegarfrerutaldar <""& breytingarumfangiafkomubtandirWstafanarin2023!2025.Helstabreytingfrfyrri #' umrWusnUraWgjaldahliWrkissj;Ws,entgjaldatlunrkissj;WshefurveriWuppfrWtil #( samrmisviWbreytingarsemgerWarvoruviW2.umrWufjrlagafyrirriW2021oglagWar $ ) erutilviW3.umrWu. h%N!* Tekjurrkissj;Ws. &",   Tekjutlunrkissj;Wsfyrirrin2021!2025hefurveriWuppfrWmeWhliWsj;nafnUjum '#- upplUsingumsemhafaorWiWaWgengilegarsWantluninvargerWseptembersl.UmeraW (z$. rWaggnumlagninguoginnheimtuskattaoggjaldaframundirsWarihlutan;vemberyfir  standandirs,fyrirhugaWarlagabreytingarogaWrarfyrirliggjandiupplUsingarsemmliskipta  fyrirtekjuhorfurkomandira.    NokkurhkkunverWurheildartekjumrsins2021frframlagningufjrmlatlunar, {a eWaum1,6milljarWarkr.Grunndmitekjutlunarn;lgfestraaWgerWahkkarum6,2 F, milljarWakr.enm;tiverWur4,6milljarWakr.meiritekjulkkunaf;lgfestumaWgerWum  engerthafWiveriWrWfyrir.    AWrinu2022undanskilduergertrWfyrirhrritekjumhvertrfjrmlatlunarenviW   framlagninguhennarhaust.BreytinginermestriW2022,Yegartekjurlkkaum1,6 r X milljarWakr.,ogriW2025YegargerterrWfyrir1,8milljarWakr.tekjuaukningu.BWirin = #  gtirhrifaflUtifyrningasemfrestaskattgreiWslumframseinnihlutasptmabilsins.nnur    rbreytasttekjurminnaenfinnamstrribreytingareinstkumliWumllrin,semm    rekjatilgrunnhrifafrrinu2020Yarsemskattarlaunogtekjurvorualmenntendurmetnir   tilhkkunarenskattarfjrmagnogneyslutillkkunar. iO    TekjuraftekjuskattieinstaklingaverWanokkruhrrisamkvmtuppfrWritekjutlun 4  engertvarrWfyrirhaust.FrvikiWfrfyrritlunnemurtpum6milljrWumkr.nsta   rioghelstshkkunallttmabiliW.Aukninginstafareinkumafminnisamdrttilauna   stofnsinssWarihlutarsinssemleiWirtiljkvWsendurmatstekjuskattinumroggrunn {  hrifumYessyfirnstur. `F   TekjuskatturlgaWilahefurafturm;tilkkaWtluvertfrfyrritlun.SpilaYarsaman + grunnhrifvegnanUrraupplUsingaumlagningulgaWilavegnarekstrarrsins2019og  srtkaraWgerWirsemhafahrifskattgreiWslurkomandirum.AfsrtkumaWgerWum  berhelstaWnefnanUjaheimildtilflUtifyrningafjrfestingariW2021,semfrestarskatt r greiWslumogdregurYvrtekjumrin2022og2023,ogfyrnanlegaupphkkunstofnverWs W= grnnaeignasemdregurrtekjumrkissj;Wsrin2024og2025verWifrumvarpYessefnis " samYykktAlYingi.    FjrmagnstekjuskatturlkkareinnigfrfyrritlunYrttfyrirltillegaminnatekjutap  affyrirhuguWumlagabreytingumnstari,semhefurhliWstWhrifsWarirunum. i   HeildarhrifbreytingaskttumtekjuroghagnaWeruYvneikvWllrin,mestriW N4 2022umtplega8milljarWakr.enfrvikiWfersWanstiglkkandiogverWurrflega3,5  milljarWarkr.undirloksptmabilsins.    GerterrWfyrir3!5milljarWakr.lgritekjumenWurafskttumvruogYj;nustu  rlegansturum.LkkuninfrfyrritluneykstltillegaYegarlWursptmann. z`  BreytinginskUristaWmestuleytiafgrunnhrifumvegnaframangreindsendurmatstekjum E+! yfirstandandirs,semvarneikvtttilvikiVSK. "   TekjuraftryggingagjldumverWalgrinstarivegnatmabundinnarlkkunarlagn # ingarhlutfalls.X;ergertrWfyrirauknumtekjumtsptmabiliW.KemurYaWtilvegna  $ grunnhrifafryfirstandandirienheimturhafaveriWheldurbetrilokYessarsengertvar q!W% rWfyrirsl.haust.EndurmattryggingagjaldsstofninumYessurihefurYauhrifaWgert <""& errWfyriraWtekjuraftryggingagjldumverWi3!4milljrWumkr.meirirlegattmabiliW. #' NUjarupplUsingarumumtalsverWahkkunveiWigjaldariW2021hafahriftsptmann. #( SamkvmtnUframlgWumtillgumSkattsinshkkarveiWigjaldumtalsvertkomandiri $ ) vegnag;WrarafkomuaffiskveiWumriW2019semertilgrundvallartreikningiveiWigjld h%N!* umriW2021.AfYeimskumergertrWfyriraWveiWigjldskiliu.Y.b.3milljarWakr.meiri 3&"+ tekjumtilrkissj;WsrlegatsptmabiliW. &",   ViW3.umrWufjrlagafyrirriW2021verWurlgWtilbreytingYarsemtekinerinn '#- tekju-oggjaldahliWaukinveltaHsnWis-ogmannvirkjastofnunartilsamrmisviWbreytta (z$. framsetninguumram;tin2019/2020Yegar0bWalnasj;WurogMannvirkjastofnunsamein  uWusteinastofnun.Umfangbreytingannanemur1,9milljrWumkr.tekju-oggjaldahliW  enhrifafkomurkissj;Wseruengin.    :verulegbreytingverWurWrumskttumogtekjumtekjutluntmabilsinsfrYvsem {a tlaWvarseptembersl. F, Gjldrkissj;Ws.    ViWsWariumrWufjrmlatlunar2021!2025ergertrWfyriraWgjaldahliWrkissj;Ws   takibreytingumrin2021!2025samrmiviWbreytingartillgurviWfrumvarptilfjrlaga r X fyrirriW2021. = #    Heildarfjrheimildirsamkvmtnveranditluneruum1.191milljarWurkr.fyrstari    tlunarinnaren1.177milljarWarkr.undirloktmabilsins.      HeildarfjrheimildirtmabilitlunarinnarmsjfylgiskjaliVsundurliWaWareftir   mlefnasviWum.BreytingarmillirasUnatlunsamkvmtfjrmlatlunsemlgWvar iO  framAlYingi1.okt;ber,hrifsemleiWirafbreytingartillgumviWfjrlagafrumvarpfyrir 4  riW2021oguppfrslutgjaldaferlumsemtengjastendurmatitekjutlunfyrirrin   2022!2025.     EfhorftertilYeirrabreytingasemgerterrWfyrirsWariumrWufjrmlatlunarer {  samtalsgertrWfyrirum62milljarWakr.hkkunfjrheimildarinu2021frframlagWri `F tillgu.Xarsemst;rhlutiYeirratengistm;tvgisrWstfunumeWaauknumtgjldumvegna + heimsfaraldursinssamttmabundnumtillgumfjrlaganefndarergertrWfyrir43milljarWa  kr.lkkunstraxrinu2022enaWekkiverWimiklarbreytingarmilliraeftirYaW.Xannig  ergertrWfyrirum16!20milljarWakr.uppsafnaWrihkkunttmabiliW. r   XyngstvegabreytingarmlefnasviWumflags-ogvinnumarkaWsmla,enYrnemaum W= 39milljrWumkr.rinu2021semskUristaWstrstumhlutaafviWspyrnustyrkjumvegna " tekjufallsogframlenginguhlutab;taleiWarsamtsrstkuviWb;tarlagigrunnbturat  vinnuleysistryggingarinu2021.JafnframtverWast;raukinframlgtilmennta-ogheil  brigWismla,eWaum5milljarWakr.hvorumlefnasviWirinu2021.XmnefnaaWgert i errWfyriraWendurgreiWslurvegnaranns;kna-ogYr;unarkostnaWarmlefnasviWi07NU N4 skpun,ranns;knirogYekkingargreinarhkkium2,9milljarWakr.frfyrritlun.Aukn  ingunamnralfariWrekjatillagabreytingayfirstandandirisemf;lusraukinnstuWn  ingviWnUskpun.rinu2022ergertrWfyriraWmeirihlutiYeirratmabundnurWstafana  semformaWarerurinu2021falliniWursemfyrrsegir.AfWrumhkkunumtmabilinu z`  mhelstnefnaaWgerterrWfyrir1,9milljrWumkr.vegnasamYttingarYj;nustuYgufar E+! sldarbarnaaukum1milljarWskr.hkkunartilsamgngumlaog0,9milljrWumkr.vegna " uppfrWrarkostnaWartlunarvegnakaupanUjuhafranns;knarskipiriW2022.Ekkiergert # rWfyrirverulegumhkkunumrunum2023!2025enrinu2023ergertrWfyriraW  $ hkkunvegnaendurgreiWslnaranns;knar-ogYr;unarkostnaWigangitilbakaYegartma q!W% bundinaukningendurgreiWsluvegnaheimsfaraldursinsfellurniWur. <""&   EftirfarandieruhelstuskUringarviWbreytingartfluumtgjaldarammamlefnasviWa. #( FjrhWirnarkomaframfylgiskjaliVI. $ )   01AlYingiogeftirlitsstofnanirYess.Endurmatlaunaforsendumog85millj.kr.framlag h%N!* 2023vegna5.hWarbyggingunUsskrifstofuhsnWisfyrirAlYingi. 3&"+   02D;mst;lar.Endurmatlaunaforsendum. &",   04Utanrkisml.AWildaWndvegissetrumvegnanetryggismla.Breyttframsetning '#- vegnakostnaWarhlutdeildarverkefnamiWlgumrekstri. (z$.   05Skatta-,eigna-ogfjrmlaumsUsla.EndurmatverWlagsforsendum.    07NUskpun,ranns;knirogYekkingargreinar.AukintgjldvegnaendurgreiWslurann  s;kna-ogYr;unarkostnaWarum2,9milljarWakr.rin2021og2022.    08SveitarflgogbyggWaml.UmeraWrWa400millj.kr.framlagrin2021og2022 {a vegnastefnumrkunarumsjlfbrnisveitarflaga. F,   09Almanna-ogrttarryggi.Endurmatlaunaforsendumlgreglumanna2022!2025  vegurum520millj.kr.EndurmatiWfyrirriW2020ertilfrekariskoWunar.    10Rtt.einstakl.,trmlogstj;rnsUslad;msmla.GerterrWfyrir46millj.kr.lkkun   vegnafkkunargreiWendas;knargjaldasamkvmtendurmetinnitlunfyrirriW2021. r X   11Samgngu-ogfjarskiptaml.Framlgtilhafnar-ogvegaframkvmdasembyggjast = #  tillgumumhverfis-ogsamgngunefndaraukframlagsvegnaEgilsstaWaflugvallar.      12LandbnaWur.EndurmatverWlagsforsendumoguppfrslarekstrartekjutlunskUra    breytingar.     13Sjvartvegurogfiskeldi.GerterrWfyrirtplega900millj.kr.hkkunriW2022 iO  vegnabyggingarnUshafranns;knarskips. 4    15Orkuml.GerterrWfyrir90millj.kr.auknuframlagitiljfnunardreifikostnaWiraf   orkusamrmiviWtillgufjrlaganefndar.     17Umhverfisml.BreytingarskUrastafendurskoWunframlagatilEndurvinnslunnarog {  Brvinnslusj;Wsvegnauppfrslutekjutlunar. `F   19FjlmiWlun.EndurskoWuWframlgtilRBVkjlfaruppfrslutekjutlunar. +   20Framhaldssk;lastig.BreytingarskUrastafbreytingumfjldanemendaogverkefninu  NmertkifririW2021.    21Hsk;lastig.FjlgunnemendaogverkefniWNmertkifri2021. r   22nnursk;lastigogstj;rnsUslamennta-ogmenningarmla.BreytingarskUrastafmilli W= frslumvegnaendurskipulagningaraWalskrifstofurWuneytisins. "   23SjkrahsYj;nusta.BreytingarskUrastafendurmatilaunaforsendumogmillifrslum  millimlefnasviWa(frt23af24).    24HeilbrigWisYj;nustautansjkrahsa.BreytingarskUrastafendurmatilaunaforsend i umogmillifrslummillimlefnasviWa(frtaf24yfir23). N4   25Hjkrunar-ogendurhfingarYj;nusta.HkkunriW2021skUristaf1.350millj.kr.  hkkuntilfjlgunarhjkrunarrUmum.    26Lyfoglkningavrur.BreytingarskUrastafmillifrslumyfirmlefnasviW23og32.    27rorkaogmlefnifatlaWsf;lks.BreytingarskUrastafendurmatitgjldumalmanna z`  trygginga2021,einkumhkkunendurhfingarlfeyri. E+!   28MlefnialdraWra.BreytingarskUrastafendurmatitgjldumalmannatrygginga " 2021. #   29Fjlskylduml.Breytingareruvegnabreyttrartfrslubarnab;tariW2021oghrifa  $ frumvarpsumsamYttinguYj;nustuYgufarsldarbarna2022!2024. q!W%   30VinnumarkaWurogatvinnuleysi.BreytingareruvegnaviWspyrnustyrkja,19,8milljarWar <""& kr.,og6milljarWarkr.framlengingarhlutab;taogfleirirWstafanariW2021. #'   32LUWheilsaogstj;rnsUslavelferWarmla.HkkuninriW2021skUristafkaupumb;lu #( efniogveltubreytinguvegnaHsnWis-ogmannvirkjastofnunar. $ ) Skuldahorfurhinsopinberafyrirrin2021!2025. 3&"+   TilsamrmisviWuppfrWarafkomuhorfurhafaskuldahorfurhinsopinberaveriWendur &", metnar.NergertrWfyriraWskuldirhinsopinberaverWirmlega49%afVLFloknsta '#- rsoghkkiframtilrsins2025YegarYrverWarmlega60%afVLF.Xettaernnast (z$. ;breyttskuldaYr;uneinsoggertvarrWfyrirtillgunni,enhinnb;ginnhefurumfang  afkomubtandirWstafanarin2023!2025aukist.Einsogfyrrgreinirgerir_meginstefnu  mrkun_ԀopinberumfjrmlumrWfyriraWskuldasfnunhinsopinberaverWistWvuWriW  2025. {a   BenteraWtluningerirrWfyriraWskuldirrkissj;Wshkkiminnaensemnemur F, _afkomulkkuninni_Ԁfrframlagningutlunarinnar.XarereinkumYrenntsemkemurtil.0  fyrstalagiskilaruppfrWtekjutlunmeiribreytingu_greiWslugrunni_Ԁtekjutlunaren  _rekstrargrunni_,entekjur_greiWslugrunni_Ԁhafabeinhrif_sj;WsstWu_.0WrulagihfWu   upphafirsboriststWugleikaframlgvegnafyrrirasem_sj;Wstreymistlun_ԀfyrriumrWu r X fjrmlatlunarhafWiekkigertrWfyrir,enhvorttveggjaleiWirtilYessaWtluW_sj;WstaWa_ = #  upphafinstarsverWurhrrisemdregurr_lnsfjrYrf_.Xhafaeinhverjumtilfellum    hrifm;tvgisaWgerWastj;rnvaldarinuveriWofmetingreiWslutlunrsins2020._Saman    tekiW_ԀleiWirYettatilYessaWskuldirhkkaminnaensemnemurlakariafkomu.     0_fylgiskjlum_ԀI!VIIImeWlitiYessumsjskUrtyfirlityfirallartlulegarbreytingar 4  tluninni,Y.e.upphaflegatillguaWfjrmlatlun2021!2025,breytingufrYeirritlun   ogendurskoWaWatillgu.     MeirihlutinnleggurtilaWtillaganverWi samYykkt meWYeimbreytingumsemskUrWareru {  litiYessuoggerWertillagaumsrstkuYingskjali. `F   AlYingi,15.desember2020.  L*"#ddd Xdd Xdd X>>,}",>",>","+  3) m3WillumX;rX;rsson, . form. 9/##$$ 9HaraldurBenediktsson, . frsm. 8.##$$ 8BjarkeyOlsenGunnarsd;ttir. G=. m ##$$ mGSteinunnX;rarnad;ttir. ,"##$$ ,PllMagnsson." m   " FylgiskjalI. { `FAu ) dE> A^`F  `F    _LykilstrWir_ԀfyrirhiWopinberaogopinberaaWilaiheild2021!2025.  " D  4$%   5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_I.pdf6 J  7' r$  FylgiskjalII. !' Z"@"Au ) dE>" A^"Z"@  "(   RekstraryfirlitfyrirhiWopinbera2021!2025.  N$4 *   4%   5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_II.pdf6 J  7% %!,    z'`#. Fylgisk&   jalIII.  mAu ) 5dE> 5A^m      Rekstraryfirlitfyrirrkissj;W2021!2025. {a  4&  5  w'ww.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_III.pdf6"J  7 =   FylgiskjalIV. r X  = #Au ) 'dE>n 'A^= #   = #    Rekstraryfirlitfyrirsveitarflg2021!2025.     4(Y  5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_IV.pdf6tt  7Y1 iO   FylgiskjalV.   7 { Au ) dE> A^{ 7   {    HeildartgjldmlefnasviWarin2021!2025.  + 4)Y   5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_V.pdf6tt  7Y   FylgiskjalVI. " uAu ) 'dE> 'A^u      BtgjaldarammarmlefnasviWarin2021!2025.  i 4*Y  5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VI.pdf6tt  7Y  l FylgiskjalVII. z`  E+Au ) ndE>v nA^E+  E+!    Fjrmlatlun2021!2025:BtgjaldarammarmlefnasviWa # (rekstur,tilfrslurogfjrfesting).   $ Q  4+Y  5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VII.pdf6 tt  7Y/: <""&  FylgiskjalVIII. $ )  % h%N!Au ) dE>% A^h%N! %   h%N!*   Sj;Wstreymirkissj;Ws2021!2025. &",    4.Y  5  www.althingi.is/altext/pdf/151/fylgiskjol/s0651-f_VIII.pdf6 tt  7YM9