WPC u]nXZ6"_@Ly+j3 AQY'k2z_|CxtU(}"ꩅqi3#&>উ׷s^cFl$PB\ )hHqZd^ȾOV4\{ag;e(<(L0[Ify+p w /`X&O;q_#l{_>_FPY=יG4܊dk5 )PĞ3B|?G32({/3Öݛ^qM~|r CԤi_uTךH8̌xFC]rfP |a%n36s(N$3_(sbՏRޝLR+j]gLC mOI/, %RjmKP(K76ԯXK_2R>~vX0AYUNv % 0 # 4> mw4^ -9ZH 0( B- 0l 0Dc 0 0"C 0Xe 0 0@ 0v 0T 0: 08! 0:" 01$ 0M& 0&( 01z) 0V* 0*, 0- 0/ 0h(1 01 00r3 04 0.6 07 0JJ9 0: 0"< 0= 0o^? 0oA 0qU.ɜU,*#(MMU:uuuuMD(&d9 Z6Times New Roman RegularX(y$,..,*TRW6&A4W6&A4 6&A4 6&A4T ? **0?vvbX0#ggdd  8*dd8ISUS,.     ^^` Adobe PDF0W:\WP2000\SKJRI~IZ.WPTW:\WP2000\SkjritunY2k-nytt.wpt UiQRrirs?gԚS3|x8DocumentManagement::ModifiedBooleanTRUE($)Hairline d(%2e$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 7XX0?vvbX0#ggdd  87dXXd8ISUS,.     ^^`   g7  0  0  (#$  0  T:Balloon TextBalloon Text   A $TahomaA        S\  `&Times New RomanS    \Zl:Blrutexti Blrutexti StafA $TahomaA   S\  `&Times New RomanSD2RevisionRevision    S\  `&Times New RomanS S\  `&Times New RomanS   L6No SpacingNo Spacing   &&&C\  `CambriaC  ," vN; ,  5+ 9 #q [5   S\  `&Times New RomanS   @0No ListNo List4*Flm.Flm.    S\  `&Times New RomanS         S\  `&Times New RomanS   H 4Heading 1Heading 1    S\  `&Times New RomanS           S\  `&Times New RomanS   \oo:Fyrirsgn 1 Fyrirsgn 1 Staf   S\  `&Times New RomanS S\  `&Times New RomanS   H 4Heading 2Heading 2    S\  `&Times New RomanS          S\  `&Times New RomanS   \oo:Fyrirsgn 2 Fyrirsgn 2 Staf   S\  `&Times New RomanS S\  `&Times New RomanS   f:Fyrirsgn/ fFyrirsgn/ fylgiskjl    S\  `&Times New RomanS b     2( b9 #q [2  5+ 9 #q [5    b  S\  `&Times New RomanS   j :Fyrirsgn/ sFyrirsgn/ skjalategund X    S\  `&Times New RomanS              S\  `&Times New RomanSn:Fyrirsgn/ uFyrirsgn/ undirfyrirsgn '   S\  `&Times New RomanS        S\  `&Times New RomanS   tx:MillifyrirsMillifyrirsgn 1/ feitletra r :Millifyrirs1Millifyrirsgn 2/ skletra    S\  `&Times New RomanS          S\  `&Times New RomanS   X:List ParagraList Paragraph      S\  `&Times New RomanS X       S\  `&Times New RomanS   j:Nmer ings/Nmer ings/skjals/mls    S\  `&Times New RomanS        S\  `&Times New RomanS   X:Normal/ mijNormal/ mija    S\  `&Times New RomanS         S\  `&Times New RomanS   h:Default ParaDefault Paragraph Font<.footerfooter      S\  `&Times New RomanS     N  5+ 9 #q [5    S\  `&Times New RomanS   Xll:Suftur StSuftur Staf   S\  `&Times New RomanSS\  `&Times New RomanS   <.headerheader      S\  `&Times New RomanS     a  5+ 9 #q [5    S\  `&Times New RomanS   Vll:Suhaus StaSuhaus Staf   S\  `&Times New RomanSS\  `&Times New RomanS   V:footnote texfootnote text S\  `&Times New RomanS           S\  `&Times New RomanSrll:Texti neanmTexti neanmlsgreinar StafS\  `&Times New RomanS   S\  `&Times New RomanSL6TflutextiTflutexti S\  `&Times New RomanS            S\  `&Times New RomanS\k:Thingskjal " Thingskjal " " "  b A\ Y`SymbolA23  S\  `&Times New RomanS..S\  `&Times New RomanS  b \k:Thingskjal -Thingskjal - - -  b A\ Y`SymbolA23  S\  `&Times New RomanS..S\  `&Times New RomanS  b `S:Thingskjal 1Thingskjal 1-a-1-a  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b `S:Thingskjal aThingskjal a-1-a-1  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b bS:Thingskjal iThingskjal i-1-ii-1  b 8.9 #q [8   S\  `&Times New RomanS23  S\  `&Times New RomanS..   S\  `&Times New RomanS8.9 #q [8  b `:footnote reffootnote reference4+ *L6-1L6-1  D 23  ..   4+ *L6-2L6-2   23  ..   4+ *L6-3L6-3 j  23  ..   4+ *L6-4L6-4  L 23  ..   4+ *L6-5L6-5   23  ..   4+ *L6-6L6-6 j  23  ..   4+ *L6-7L6-7  T 23  ..   4+ *L6-8L6-8   23  ..   4+ *L6-9L6-9 j  23  ..   4+ *L5-1L5-1  D 23  ..   4+ *L5-2L5-2   23  ..   4+ *L5-3L5-3 j  23  ..   4+ *L5-4L5-4  L 23  ..   4+ *L5-5L5-5   23  ..   4+ *L5-6L5-6 j  23  ..   4+ *L5-7L5-7  T 23  ..   4+ *L5-8L5-8   23  ..   4+ *L5-9L5-9 j  23  ..   4+ *L9-1L9-1  , 23  ..   4+ *L9-2L9-2  X 23  ..   4+ *L9-3L9-3   23  ..   4+ *L9-4L9-4   23  ..   4+ *L9-5L9-5   23  ..   4+ *L9-6L9-6   23  ..   4+ *L9-7L9-7  4 23  ..   4+ *L9-8L9-8  ` 23  ..   4+ *L9-9L9-9   23  ..   4P+J *L8-1L8-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L8-2L8-2  N 5+ w9 #q [523  ..   2( 9 #q [24M+J *L8-3L8-3  ; 5+ c9 #q [523  ..   2( 9 #q [24M+J *L8-4L8-4  ( 5+ P9 #q [523  ..   2( 9 #q [24J+J *L8-5L8-5   2( = #q [223  ..   2( 9 #q [24J+J *L8-6L8-6   2( ' #q [223  ..   2( 9 #q [24G+J *L8-7L8-7   /%  #q [/23  ..   2( 9 #q [24G+J *L8-8L8-8   /%v  v #q [/23  ..   2( 9 #q [24G+J *L8-9L8-9   /%a  a #q [/23  ..   2( 9 #q [24P+J *L2-1L2-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L2-2L2-2  N 5+ w9 #q [523  ..   2( 9 #q [24M+J *L2-3L2-3  ; 5+ c9 #q [523  ..   2( 9 #q [24M+J *L2-4L2-4  ( 5+ P9 #q [523  ..   2( 9 #q [24J+J *L2-5L2-5   2( = #q [223  ..   2( 9 #q [24J+J *L2-6L2-6   2( ' #q [223  ..   2( 9 #q [24G+J *L2-7L2-7   /%  #q [/23  ..   2( 9 #q [2ikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.4G+J *L2-8L2-8   /%v  v #q [/23  ..   2( 9 #q [2(3Y$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 7XX0?vvbX0#ggdd  87dXXd8ISUS,.     ^^`   4G+J *L2-9L2-9   /%a  a #q [/23  ..   2( 9 #q [24P+J *L1-1L1-1  b 8.9 #q [823  ..   2( 9 #q [24M+J *L1-2L1-2  N 5+ w9 #q [523  ..   2( 9 #q [2(3Y$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 7XX0?vvbX0#ggdd  87dXXd8ISUS,.     ^^`   4M+J *L1-3L1-3  ; 5+ c9 #q [523  ..   2( 9 #q [2(3$ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 7XX0?vvbX0#ggdd  87dXXd8ISUS,.     ^^`    d 4M+J *L1-4L1-4  ( 5+ P9 #q [523  ..   2( 9 #q [2(M0J$2  0  .3  0 ` 4J+J *L1-5L1-5   2( = #q [223  ..   2( 9 #q [2(O;$0  2#  a  .3  0` (#(#4J+J *L1-6L1-6   2( ' #q [223  ..   2( 9 #q [2(u$0  0` (#(#` `  2  a  .3  0` (#` (#4G+J *L1-7L1-7   /%  #q [/23  ..   2( 9 #q [2(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#4G+J *L1-8L1-8   /%x  x #q [/23  ..   2( 9 #q [23#37=CIQYag1.a.i.(1)(a)(i)1)a)4G+J *L1-9L1-9   /%e  e #q [/23  ..   2( 9 #q [24+ *L7-1L7-1   23  ..    d4+ *L7-2L7-2   23  ..   4+ *L7-3L7-3 j V 23  ..   4+ *L7-4L7-4   23  ..   _Hlk909740084+ *L7-5L7-5   23  ..   4+ *L7-6L7-6 j ^ 23  ..   4+ *L7-7L7-7   23  ..   4+ *L7-8L7-8   23  ..   4+ *L7-9L7-9 j f 23  ..   4Y~Y *L3-1L3-1  b A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-2L3-2  N A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-3L3-3  ; A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-4L3-4  ( A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-5L3-5   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-6L3-6   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolAqi)4Y~Y *L3-7L3-7   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-8L3-8   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L3-9L3-9   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4Y~Y *L4-1L4-1  b A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-2L4-2  N A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-3L4-3  ; A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-4L4-4  ( A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-5L4-5   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-6L4-6   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-7L4-7   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-8L4-8   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA4Y~Y *L4-9L4-9   A\ Y`SymbolA23  S\  `&Times New RomanS..   A\ Y`SymbolA'dxd&Draw Object <<=8C HKKKK\ Y`Symbol\  `&Times New Roman\  `Cambria $Tahoma  g;WgerWarf)l?g  aY',..,XXXX? 7XX0?vvbX0#ggdd  ISUS,.   _Ԁ4cp Z "Times Regular : eY),..,XXXX? 7XX0?vvbX0#ggdd  ISUS,.   _>? Ҁ y!,..,XXXXTRW6&A4X3' Letter 6&A43'LetterT ? 7XX0?vvbX0#ggdd  87dd8ISUS,.     ^^`   _ >?  _ikmo(%03q 152.lggjafarYing2021!2022. ( Xingskjal232"1.ml.  2.umrWa.     y7  Nefndarlit#7 yh#     umfrumvarptilfjrlagafyrirriW2022.    Fr2.minnihlutafjrlaganefndar. K #    FrumvarpYetta,fyrstafjrlagafrumvarpkjrtmabilsins,ereinkennandifyrir_rkisstj;rnar    samstarf_ԀSjlfstWisflokks,Frams;knarflokksogVinstrigrnna.FrumvarpiWbersttilYings   insalltofseint.EfniYesseraWmestuleyti;breyttfrsWustufjrlgum.0Yverenginsvr wO  aWfinnaviWalvarlegumvandamlumrkisrekstri.MiklupWriereyttaWfegraaWgerWir B  rkisstj;rnarinnarogdragahuluyfirhiWneikvWa.Ftktf;lkerskiliWeftireinaferWinaenn.    KosningaloforWeruvirtvettugi.     Einkenni_rkisstj;rnarsamstarfs_ԀsmuflokkaYvkjrtmabilisemleiWvorusfelldartafir {  Yrfumumb;tum,enginviWleitnitilaWtakavaxandirekstrarvandaheilbrigWiskerfisins, nF forgangsrWunrkisfjrmlaYgu_tvalinna_ԀkostnaWf;lksinsogloks_sendurteknir_Ԁ_frasar_ 9 umeigiWgti.FrumvarptilfjrlagaberYessmerkiaWrkisstj;rninmunihaldasigviWsmu  herslurkomandirum.    Xj;WineraWklofnatvennt.KjaragliWnunvex.ryrkjarogeldraf;lkgeturekkinWend r umsaman.Ungtf;lkkemstekkiinnhsnWismarkaWnaWstoWarforeldra.meWanhkka e= _ofurlaunin_Ԁogstttaskiptingeykst.BrttverWalandinutvrYj;Wir,eigendurogleigjendur, 0 verWiekkertaWhafst.ViWgetumvarlasttaWokkurafYvaWbanorrnu_velferWarsamflagi_  YegarYsundirbWarWumeftir_matarthlutunum_.HvaWYYegarheilbrigWiskerfiWgetur  ekkitekiWviWeinurtuslysinYessaWalltfariblogbrand.FrumvarptilfjrlagaboWar i ekkiraunverulegarbreytingarYguf;lksins,sWurensvo.llherslaerlgWaWviWhalda \4 ;breyttustandi,vaxandi;jfnuWi,stWnunoghnignun. '  x    x  StaWanrkisfjrmlum. x݌  Ќ    FagnaWarefnierhversuvelhefurgengiWaWvinnauppYannmiklasamdrttsemheims `  faraldurinn_COVID_19olli.HallirkisrekstriverWurminnirenfjrlggerWurWfyrirog S+! atvinnuleysihefurminnkaW.SamstaWavarAlYingiummikilvgarefnahagsaWgerWir,eins " ogfjrfestingartakvegakerfinu,skattavilnanirvegnataksins?Allirvinna ogatvinnu # skpungegnumverkefniW?Hefjumstrf .XessaraWgerWir,samtfjlgunferWamannaog  $ _loWnuvertW_ԀhfWujkvWhrifatvinnustig,_gengisstyrk_Ԁoghagvxt. !W%   nstarierspW5,3%hagvextioghallirkissj;Wsdregstverulegasaman.EnguaWsWur J""& eruUmsirYttirsemvaldahyggjum.XarberhelstaWnefnavaxandiverWb;lgu,eneinnig #' verWuraWltatilYessaWatvinnuleysihefurstaWiWstaWundanfarnamnuWi.Xer_;mkron_Ԅ #( afbrigWiCOVID19vextiogngrannaYj;WirspfjlgunsmitanstumnuWum.Frekari $ ) bylgjurheimsfaraldursinshafaneikvWhrifhagkerfiWogrkisfjrmlaukYesssemYr v%N!* ;gnalfiogheilsuf;lks.VonanditekstokkuraWhaldafaraldrinumskefjum,enlj;steraW A&"+ _;mkron_ԄafbrigWiWgeturhglegasettstrikreikninginn.  '",   Hagstofanspir3,3%verWb;lgunstari.VerWb;lganmlist4,8%oghefurmlstyfir '#- verWb;lgumarkmiWiSeWlabankansalltfrYvaW_COVID_19barsttillandsins.0slanderekki (z$. einsdmihvaWYettavarWar,enverWb;lgamlistn6,8%Bandarkjunumog4,9%Evru ( svWinu.Heimsfaraldurinn_COVID_19hefurvaldiWrskunframleiWslukeWjumogvru  skorturhefurkjlfariWleitttilverWhkkana.    HsnWisverWhefurhkkaWvWaumheimogYarer0_sland_Ԁenginundantekning.FramboW a hsnWihefurminnkaWundanfariWogYvseljasteignirhraWarennokkrusinnifyrrognr T, undantekningarlaustyfirverWi.XaWhefurmjgskaWleghrifsamflagiWYegarhsnWis  verWhkkarjafnmikiWsvoskmmumtmaograunbervitni.Tekjuhirogeignaf;lk  auWgastenerfiWaraverWurfyrirtekjulgaogmillitekjuf;lkaWkomastinnhsnWismarkaW.   Ungtf;lkYessumh;pumgeturekkikeyptsrbWnYessaWnj;taaWstoWarfrforeldrum.  X XhkkabWirsvohrattverWiaWreglulegursparnaWurdugarekkifyriraukningunni. K #    HiWopinberaerfariWaWfinnafyrirskaWlegumhrifumverWb;lgu.0frumvarpitilfjrauka    lagakemurframaWskuldirrkissj;Wshafiaukistum15,6milljarWakr.rinuvegnaverW    b;ta.Xettahefurleitttilaukinnavaxtagjaldarkissj;Wsoghkkunarfjrheimildum.Heim   ilinfengaslkaaukninguogaWstoW.Xeirrafjrhagurversnarogversnarnnokkurra wO  rrWa.VerWiekkigripiWtilaWgerWaerhttansaWfjldif;lksmissiheimilisnog_vi B  sparnaW_,lktoggerWistkjlfarhrunsins2008.     x    x   FjrlgeWadrg. x 6 ݌ {  Ќ    Athyglisverterhve_vandfundnar_ԀherslurnUrrarrkisstj;rnareru_fjrlagafrumvarpinu. nF FjrlagafrumvarpiW_ԀsemhrertilumfjllunartekurviWYarsemfrvarhorfiWogerbeint 9 framhaldsWastafjrlagafrumvarps.FjrlgineruaWnrlluleyti;breyttmillira.Helstu  breytingarmilliraerulaunaog_verWlagsuppfrslur_Ԁoglkkunheimildavegnatmabund  innaverkefnasemtengdustheimsfaraldrinum.Xettaerathyglisvertlj;sinUsstj;rnar r sttmlaFrams;knarflokks,SjlfstWisflokksogVinstrihreyfingarinnar!grnsframboWs. e= 0sttmlanumerufgurfyrirheitumUmsaraWgerWirenaWgerWirnarvirWastekkihafarataW 0 innfrumvarptilfjrlaga.    0nUrrirkisstj;rnsitjasmuflokkarogstuYarsWastakjrtmabili.FlestirrWherrarnir  haldastrfumY;aWeinhver_st;laskipti_ԀhafittsrstaW.TveirmnuWiliWufrkosningumog i Yartilfjrlginlitudagsinslj;snYessaWnokkurnUverkefnihafirataWYangaWinn.Hvar \4 eruummerkihinsnUjastj;rnarsttmla?AWundanfrnuhefurboristfjldifregnaumaWkall ' andivandarkisrekstri.Hvarerulausnirnar?EkkiYessufrumvarpi.   x    x:'  Framsetningfjrlaga. x:'X'݌ `  Ќ    MeWlluer;lWandihveerfitteraWfyfirsUnogsvrviWgrundvallarspurningumum S+! rkisfjrmlfjrlagafrumvarpinu.MiklupWriereyttaWdragauppsembestamyndaf " rkisfjrmlunumograngrifyrriaWgerWa. #   0umfjllunumeinstkmlefnasviWeralmenntstiklaWst;ruumbreytingarfjrheimilda  $ milliraogUmistvsaWtilYessaWfjrheimildirsuinnanrammaeWaaWtmabundinverk !W% efnifalliniWur.ViWnnariathugunkemursWanlj;saWveriWeraWskeraniWurfjrframlg J""& tiltekinverkefni.HversvegnaerYettaekkisagtberumorWum?XaWersrstaklegamlis #' vertYegarniWurskurWurerfalinnmeWYessumhttifjrlagafrumvarpisemkemurframsvo #( seintrinu.XgefstminnitmitilYessaWgeraathugasemdirogleiWrttingar. $ )   MikiWvantaruppumfjllunumupplUsingarumfjrmleinstakastofnana.TluverW v%N!* vinnaferaWathugahvortstofnanirsuraunaWfYrfjrheimildirsemYrteljasigYurfa A&"+ tilaWhaldafram;breyttumrekstri.XermjgerfittaWgangarskuggaumhvorteinstaka  '", verkefnisufjrmgnuWaWfullu,ogYegarjafnstutturtmiertilafgreiWslufjrlagaograun '#- bervitniYgefsteinfaldlegaekkingurtmislkavinnu. (z$.   FjrmlaogefnahagsrWherraleiddiYrkerfisbreytingarseminnleiddarvorumeWsetn ( ingulagaumopinberfjrml.EittmeginmarkmiWYeirrabreytingavaraWaukagagnsi  rkisfjrmlum.FramsetningYessafrumvarpsvinnurbersUnilegagegnYvmarkmiWi.   x    x/  Umsagnirumfrumvarptilfjrlaga. x//݌ T, Ќ    FjldiumsagnabarstumfrumvarpiWY;ttltilltmihafigefisttilumfjllunar.XaWer  athyglisvertaWjafnvelY;aWfjrlagafrumvarpiWhafiekkilitiWdagsinslj;sfyrrendesember  hafaboristfleiriumsagnirumYaWenbrustviWnokkurtfjrlagafrumvarpsWastakjrtma   bils.XaWgefurtilkynnaaWfrekarileiWrttingasYrfenalmenntgenguroggerist.Endaer  X YaWyfirleittsvoaWumsagnirerulagWarframYeimtilgangiaWbendaatriWisemYarfnast K #  lagfringareWatilaWkallaeftirbreytingum.      Umsagnirbrustfropinberumstofnunum,sveitarflgum,verkalUWshreyfingunniog    Umsumhagsmunasamtkum,t.d.ryrkjabandalaginu,Landssambandieldriborgara,Lands   samtkunumXroskahjlpogGeWhjlp.RauWiYrWurinnumsgnumframangreindraaWila wO  vargagnrUnigrunnYttifjrlagafrumvarpsins,bendingarumaWfjrmagnskortikveWn B  ummlaflokkumogkalleftirforgangsrWunfjrmunaYgusamflagslegamikilvgra    verkefna.Einnigbrustumsagnirfrhagsmunasamtkumfjrmagnseigenda,Y.e.ViWskipta   rWi,Samtkumfyrirtkjasjvartvegi,Samtkumatvinnulfsinsogfleiri_g;Wvinum_Ԁrkis {  stj;rnarinnar.EinsogvenjanerlofuWuYessiraWilarallaraWgerWirsemYj;nahagsmunum nF fyrirtkjaogeigendaYeirraengagnrUndujafnframttgjaldaaukninguoghallarekstur. 9   Srstakthyggjuefnierhvemargarbendingarbrustumfjrskorttilteknummlaflokk  um.0umsgnLandsptalanskemurframaWnrri2milljarWakr.vantiuppfjrveitingartil  aWviWhaldasamaYj;nustustigi.SamtkfyrirtkjavelferWarYj;nustubendaaWumram;t r inskerWistrekstrarframlagrkisinstilhjkrunarheimilaum1milljarWkr.Xhafarekstrar e= framlgrkissj;WsekkitekiWbreytingumtilsamrmisviW_hjkrunarYyngd_,semeykstrfr 0 ri.    NPAmiWstWinmissiraW;breyttuframlagupp300millj.kr.umram;tin.Fjldif;lks  bWureftirnotendastUrWripers;nulegriaWstoW(NPA)enfjrmagnvantarfyrirfleiriNPA i samningum. \4   S,semrekanauWsynlegaheilbrigWisYj;nustu,YurfaaWreiWasigsjlfsaflaftilaW ' fjrmagnarekstursjkrahssins_Vogs_.SamtkinhttuYtttkurekstrispilakassaoghafa  orWiWfyrirtekjufallivegnaYess.SpilafknerskaWlegursjkd;mursemmikilvgteraWvinna  gegn.MikiWngjuefnierYvaWShafisagtskiliWviWslkanrekstur.Fknersjkd;mur `  semveldurekkiaWeinseinstaklingnumogfjlskylduhansskaWa,heldursamflaginullu. S+! RkiWverWuraWgreiWafulltverWfyrirYessanauWsynleguheilbrigWisYj;nustu.XaWerfjrfest " ingsemskilarsamflaginumargfldumvinningi. #   GeWhjlptrekarumsgnsinnimikilvgigeWheilbrigWisYj;nustu,srstaklegatmum  $ heimsfaraldurs.SamtkinveittusWastarislfrWiYj;nustufyrir28millj.kr.XaugagnrUna !W% aWekkistanditilaWsetjanema100millj.kr.niWurgreiWsluslfrWiYj;nustuafhlfurkis J""& ins.AlYingisamYykktisWastakjrtmabiliaWniWurgreiWaslfrWiYj;nustuenrkisstj;rnin #' hefurekkitryggtviWhltandifjrmagntilverkefnisins.0lj;siYesshvemikileftirspurnereftir #( slfrWiYj;nustuduga100millj.kr.skammt. $ )   ryrkjabandalag0slands,Landssambandeldriborgara,LandssamtkinXroskahjlp, v%N!* BSRB,AS0ogfleirigagnrUnduharWlegaaWekkistanditilaWhkkalfeyrialmannatrygginga A&"+ tilsamrmisviWlaunaYr;unlktogkveWiWerum69.gr.lagaumalmannatryggingar.  '", RngummlikvrWumerbeittfrumvarpinutilaWkveWarlegahkkunlfeyrisogsupp '#- frslasemfrumvarpiWleggurtilheldurhvorkiviWlaunavsitlunkjarasamningsbundnar (z$. hkkanirlgmarkslauna.UndanfarnaratugihefurbiliWmillilaunaoglfeyrisaukist. ( _KjaragliWnunYessi_Ԁmlistntugumpr;sentaognauWsynlegteraWgrpaYegarstaWtilaW  gerWa.    FramangreindarbendingarltaallaraWYvaWfjrmagnskortitilaWsinnaopinberriYj;n a ustuvelferWarmlum.HrerekkiumaWrWakalleftirstyrkjumheldurkalleftirnauW T, synlegufjrmagniinn_rekstrargrunninn_.Xrferumfangsmiklumbreytingumfrumvarpi  tilfjrlagaaWYessuleyti.   x    xUG  Tillgurrkisstj;rnarflokkanna. xUGsG݌  X Ќ    Meirihlutifjrlaganefndarhefurkynntbreytingartillgursnar.0mrgumatriWumerum K #  aWrWabreytingarvegnauppfrWratlanaY;aWkveWnarbreytingarmegirekjatilkvarW    anarkisstj;rnarinnar,vinnufjrlaganefndareWabendingaumsagnaraWila.      VegnauppfrWratlanaerugerWarbreytingartillgurtgreiWslumFWingarorlofssj;Ws,   1.627millj.kr.,lkkunum450millj.kr.vegnalgra_nUgengis_Ԁrorku,vaxtabturlkka wO  um400millj.kr.ogendurgreiWslurvegnaranns;knarogYr;unaraukastum1.259millj.kr. B    0breytingartillgummeirihlutanseraWfinnaUmsartillgursemtengjaststj;rnarsttmla    rkisstj;rnarinnar.UmfangsmestutillgurnareruvegnaaWgerWagegnkynferWisbrotum,200   millj.kr.,_markaWstakiW?Saman_Ԁs;kn ,100millj.kr.tilaWfjlgalgreglumnnumog {  nemendum_lgreglunmi_Ԁog80millj.kr.tilaWeflageWheilbrigWisk;lum._RWherrakapall nF inn_ԀerenguaWsWur_langumfangsmesta_ԀaWgerWinsemtengiststj;rnarsttmlanum,enauka 9 YarffjrheimildirumrmanhlfanmilljarWkr;navegna_kapalsins_.    MeirihlutifjrlaganefndartlaraWbregWastviWUmsumbendingumumsagnaraWila.  FjrheimildireruhkkaWartilaWmtaauknumkostnaWisemfellurtilvegnabetrivinnutma, r vaktavinnuogstyttingu_vinnuvikunnar_.HttvarviWniWurskurWrekstrarframlagitilhjkr e= unarheimilaupp1milljarWkr.EinnigvirWistsemsvoaWfjrheimildirtilVIRKhafiveriW 0 200millj;numkr.lgriupphaflegufrumvarpiensamkvmtsamningiogerYaWmisrmi  leiWrtt.XerfalliWfrformumfrumvarpsinsumniWurskurWfjrveitingumtilNPAYj;n  ustu.Fjrheimildireruauknarum850millj.kr.tilaWfjlga_sjkrarUmum_ԀHeilbrigWisstofn i unSuWurlandsogHeilbrigWisstofnunSuWurnesja.SaukningaWlttalagiWLandsptalan \4 umvegnafaraldursins.XerufrWar750millj.kr.afsafnliWogliWumvegnalyfjakostnaWar. ' Xettaerbetraenekkineitt,enenguaWsWurlangtfrYeirritlusemLandsptalinnleggurtil  eiginumsgnogteluraWYurfitilaWviWhalda;breyttumrekstri.    XaWveldurvonbrigWumaWekkihafinWstsamstaWanefndinniumaWgerameiribreyt `  ingarenraunbervitnitilaWbtavelferWarkerfiW.TillgurmeirihlutanseruaWmestuleiti S+! tilYessfallnaraWbreytafrumvarpinutilhinsbetra,enbeturYarfefdugaskal. "  x    xU  _Eflum_ԀheilbrigWiskerfiW. xUU݌  $ Ќ    RekstrarvandiheilbrigWiskerfisinserauglj;s.% y St;rhlutiYj;WarinnarhefurtrekaWkallaW !W% eftirYvaWheilbrigWiskerfiWfifjrmagntilsamrmisviWYaWsemtWkastannarsstaWar J""& NorWurlndunum,11%afvergrilandsframleiWslu.%yVԀViWerumlangtfrYvaWnYvmark #' miWi.komandirumYarfaWrWastgagngerarbreytingarYessusviWiogfjrmagnYarf #( aWfylgja.Yfir100mannsmeWfrniogheilsumatbWaeftirtskriftafLandsptalanumog $ ) dveljaYvdUrastarrWisemvler. v%N!*   _Mannekluvandinn_ԀLandsptalanumvexrfrriogstarfsf;lk_erundir_Ԁmiklulagi.X A&"+ er_umbunin_Ԁekkimikilfyrirf;lkiWsemhefurstaWiWeldlnunnigagnvart_COVID_19.0fyrra  '", varj;lagjfingjafabrfuppeinnsk;Skechers.0rverWurgjfinaWeinsrausnarlegri,dug '#- arfyrirsk;parinu.Starfsf;lkiWfraWveljamilli_gjafabrfs_ԀeWaaWgjfYeirranafnirenni (z$. til_MWrastyrksnefndar_.SegirYaWmikiWumviWhorfrkisinstilstarfsmannaLandsptalans. ( samatmaferltiWsemekkertfjrmagnfrrkinutil_g;WgerWarsamtaka_Ԁsemannast_matar  thlutanir_._Fjlskylduhjlp_Ԁfrheilar500.000kr.XaWsemsagtaWfelastarfsmnnumrkis  insbyrgWinaYvaWfjrmagna_matarthlutanir_ԀYessij;lin,valisnuj;lagjf. a   XaWdugarskammtaWbyggjahtknisjkrahsefekkiverWurrWinb;tundirliggjandi T, rekstrarvandaheilbrigWiskerfisins.XaWeralgjrlgmarkskrafaaWLandsptalinnfiYaWfjr  magnsemYarftilaWhalda;breyttuYj;nustustigi.X;ttfjrheimildiraukistmillirafara  YraWmestuumsamdarkjarabtur.AfgangurinnfernUverkefni,nnartiltekiWnUja_far   s;ttardeild_ԀogreksturnUrrahjkrunarrUma.XaWerfagnaWarefniaWveriWsaWopna_fars;ttar  X deild_ԀogfjlgahjkrunarrUmumenfjrmagntilYessaraverkefnagerirltiWtilaWbtaYaW K #  semuppvantarWrumsviWum.      0umsgnLandsptalanserkallaWeftirYvaWaWhaldskrafasptalansfalliniWurogaWfjr    heimildverWiaukinum1,4milljarWakr.XettaerekkilausntillangstmahelduraWeinsYaW   semYarftilaWviWhalda;breyttuYj;nustustigi.TillgurmeirihlutansltaaWYvaWfrafjr wO  heimildirmilliliWaogaukaYannigrekstrarfum750millj.kr.HeilbrigWiskerfiWstendurekki B  svovelaWhgtsaWaukafjrheimildirsptalansmeWYvaWtakafannarsstaWarfr,t.d.    afliWumsemeigaaWstandaundirlyfjakostnaWi.XettaersUndarmennska,ekkisvarviWkalli   sptalans.0sameiginlegumbreytingartillgumFlokksf;lksinsogannara_stj;rnarandstWu {  flokka_ԀerYvgerWtillagaumaWfellaniWuraWhaldskrfuLandsptalansogaWhaldskrfu nF SjkrahssinsAkureyrioglagtertilaWframlgverWiaukintilsamrmisviWraunvxt 9 heilbrigWiskerfinu.    FleiriheilbrigWisstofnanirenLandsptalinnkallaeftirauknumfjrheimildumvegnaviW  varandirekstrarvanda.HeilbrigWisstofnanirlandsbyggWinnisendukalltilfjrlaganefndar r vegnaYessaWfjrheimildirfjrlagafrumvarpsinsdugaekkitilaWviWhalda;breyttumrekstri. e= VegnaYessleggurFlokkurf;lksinstil,samtWrumflokkumstj;rnarandstWu,aWfjr 0 heimildirtilYeirraverWiauknarum100millj.kr.   x    xWi  SlfrWiYj;nustafyriralla. xWiui݌ i Ќ    sWastakjrtmabilisamYykktiAlYingiaWsjkratryggingarskildutakatilnauWsynlegrar \4 slfrWimeWferWar.XaWvaktiYvmiklafurWuYegarfjrmlarWherratilkynntikjlfariWaW ' fjrmagnmundiekkifylgjatilverkefnisins.EftirmiklardeilurinnanogutanYingsfllst  rkisstj;rninloksaWveita100millj.kr.tilverkefnisins.Lj;steraW100millj.kr.duga  skammtYessumefnum.SemdmitilviWmiWunarYstendurtilaWaukafjrheimildir `  samamlefnasviWium790millj.kr.vegnaaukins_tannlknakostnaWar_Ԁmillira.ViWverWum S+! aWtakaafskariWogfjrmagnaslfrWiYj;nustumeWviWeigandihtti. "   HeimsfaraldurinnhafWiumtalsverWneikvWhriflWanf;lks.Brn_upplifWu_Ԁmikla # rskundaglegulfiogframhaldssk;lanemendurmisstuafflagsstarfimikilvgustu_m;t  $ unarrunum_.MargireinangruWustflagslegaogYeirsemvoruviWkvmumstaWfyrirfar !W% aldurinneruverrstaddirdag. J""&   GreiWsluYtttakahinsopinberavegnaslfrWiYj;nustuaWverasjlfsagWurhlutur. #' EllegarerhttansaWYeirefnaminnigetiekkis;ttsrhjlp.Xversameiginlegumbreyt #( ingartillgumstj;rnarandstWunnarlagttilaWfjrheimildirhkkium900millj.kr.tilaWfjr $ ) magnaslfrWiYj;nustu. v%N!*  x    x3q  StaWahjkrunarheimila. x3qQq݌  '", Ќ    Xrttfyrirfgurfyrirheitrkisstj;rnarflokkannavirWistekkieigaaWrWastnauWsynlegar '#- rbturhjkrunarogendurhfingarYj;nustu.HjkrunarheimilinhafalengikallaWeftirYv (z$. aWfjrframlgtakimiWafaukinni_hjkrunarYyngd_.BiWlistareftirrUmumerulangirsem ( veldurYvaWf;lkkemurinnheimilinveikaraenWur.    Stefnarkisstj;rnarinnarYessummlaflokkivirWistekkitakamiWaflngu_fyrirsWri_  ldrunYj;Warinnar.Framkvmdatlunrkisstj;rnarinnardugarenganveginntilaWvinna a niWurbiWlistanaogillagenguraWljkaframkvmdumtilsettumtma.FyrirvikiWdvelur T, f;lklengur;hentugumrrWumsemeruaukYessmikludUrarirekstri.Xettastander  meginstWaYesshveillagenguraWleysafrflWisvandaLandsptalans.    Lausninereinfld.Byggjumfleirihjkrunarheimiliog_tryggjum_Ԁfjrmagnfyrirrekstri   Yeirra.ldrunYj;WarinnaraWverafagnaWarefni.ViWeigumaWnj;taYessaWlifalenguren  X fyrrikynsl;Wir.XessstaWtlastj;rnvldaWhunsavandann.AfleiWingarnarerulangirbiW K #  listarogsfelldardeilurmillihjkrunarheimila,sveitarflagaogrkisinsumhvereigiaW    greiWafyrirreksturinn.      FrumvarptilfjrlagafelursrverulegaskerWinguframlgumtilhjkrunarheimila.   Rekstrarframlglkkaum1,1milljarWkr.milliravegnaYessaWhkkunsWustufjrlaga wO  ersgWhafaveriWtmabundiWframlag.EinnigergerWaWhaldskrafaupp400millj.kr. B    0umsgnSamtakafyrirtkjavelferWarYj;nustu(_SFV_)kemurframaWnauWsynlegtsaW    fallafrfyrirhuguWumniWurskurWitilaWtryggjarekstrargrundvllhjkrunarheimila.Einnig   YurfiaWaukaframlgmillirasvoaWfjrmagnfylgilaunaogverWlagsYr;unogaukinni {  _hjkrunarYyngd_. nF   Flokkurf;lksinsfagnarYvaWtilstenduraWkomatilm;tsviWYessarbendingarY;aW 9 einsaWhlutatil.SamtkfyrirtkjavelferWarYj;nustuteljaaWfjrYrfinnemi3milljrWum  kr.enmeirihlutifjrlaganefndarleggurtil1,2milljarWakr.vegnabttrarvaktavinnu.X  aWhkkaframlagum1milljarWkr._rekstrargrunninn_.SamtalseruYetta2,2milljarWarkr. r Alls;vsterhvort1,2milljarWarkr.dugatilaWmtaauknumlaunakostnaWiogYer e= rauninniekkiveriWaWaukaframlg_rekstrargrunninn_ԀheldurfallafrformumumniWur 0 skurWmillira.VonandinumviWmeirisamstWuYvertflokkaumrbturYessummla  flokkininniframtW.ViWverWumaWtakaokkurYegarkemuraWmlefnumaldraWra.Allir  eigaskiliWhyggjulaustvikvld.ruggurrekstrargrundvllurhjkrunarheimilaerlykil i YtturYeimefnum. \4  x    x  S. x ݌  Ќ    XaWhefurlengiveriWeitthelstabarttumlFlokksf;lksinsaWtryggjarekstrargrundvll  S.SamtkinveitanauWsynlegaheilbrigWisYj;nustugrundvellisamningsviWSjkra `  tryggingar0slands,ensamningurinndugaraWeinsfyrirhlutaafrekstrarkostnaWi.Umram;t S+! infellurniWurtmabundiWframlagsWustufjrlaga. "   SteljaaW380millj.kr.vantiupptilYessaWgetafullnUttafkastagetusjkrahssins # _Vogs_.0umsgnSviWfjrlagafrumvarpiWkemurframaWheilbrigWisyfirvldsuaWeins  $ aWnUta70%afafkastagetusjkrahssinsVogs.meWanlengjastbiWlistarogdagbWa600 !W% mannseftiraWkomastVog. J""&   SamtkinleggjasittafmrkumtilfjrmgnunarmeWhinnirlegu_lfaslu_,enYaWer #' _smnarblettur_ԀsamflaginuYegarg;WgerWarflgYurfaaWsafnaftilaWfjrmagnasjlf #( sagWaheilbrigWisYj;nustu.EkkiYurfaviWsemjendurVegagerWarinnaraWsafnapeningumtil $ ) aWljkaviWsWustu_vegspottana_Ԁrhvert.XaWerkominntmifyrirhugarfarsbreytinguYess v%N!* ummlaflokki. A&"+   _Fknisjkd;mar_Ԁvaldafjlda;tmabrradauWsfallarhvert.AlYingiberaWfjrmagnaaW  '",  fulluheilbrigWisYj;nustutilYeirrasemYjstaf_fknisjkd;mum_. '#-   &   MeirihlutifjrlaganefndarleggurtilaWSverWiveitttmabundiWframlagupp120 ( millj.kr.'(XaWdugarekkitil.ViWverWumaWfjrmagnaYessaheilbrigWisYj;nustumeWviW  eigandihtti.SamtkinbiWjaum380millj.kr.ogYvleggurFlokkurf;lksinstil,samt  Wrumflokkumstj;rnarandstWu,aWframlghkkium380millj.kr.tilaWfjrmagna a reksturS. T,  x    xQ  ryrkjarogeldraf;lkeigabetraskiliW. xQo݌  Ќ  A.KjaragliWnun.     reftirrhefurrkisstj;rninvirtaWvettugiskUrfyrirmli69.gr.lagaumalmannatrygg  X ingar.FrumvarpYettaerenginundantekning.LginsetjaYaWskilyrWiaWlfeyriralmanna K #  tryggingaskulifylgjalaunaYr;un._LaunaYr;unin_Ԁliggurfyrir.LaunavsitalahefurhkkaWum    7,5%rsgrundvelli.0staWYessaWleggjalaunavsitlutilgrundvallarerfjrlagafrumvarp    inumiWaWviW_meWaltaxtahkkanir_ԀoglgWtil3,8%hkkunlfeyrismillira.OfanYessa   hkkunhefurfjrmlarWherrabtt0,8%vegnaYessaWuppfrslasWustufjrlagahltekki wO  viWverWb;lgu.SamanlagterYettaYv4,6%hkkunlfeyrialmannatrygginga. B    OfanYessi4,6%fryrkjar1%viWb;togeldraf;lkfrhrrafrtekjumarkatvinnu    tekna.AW;breyttuvexkjaragliWnunmillira.KjrlfeyrisYegahafaekkifylgtkaupmtti   undanfarnaratugiogmlisthnntugumpr;senta. {    LfeyrisYegargetaekkifariWverkfalltilaWkrefjastleiWrttingar.XeirrahagsmunirfYv nF yfirleittekkiforganghjrkisstj;rninni.AlYingi0slendingaberaWstandavrWumhagsmuni 9 allrasamflaginuogtryggjaaWlfeyrisYegumverWiekkimismunaWmeWYessumhtti.  SkUrumfyrirmlum69.grlagaumalmannatryggingaertlaWaWtryggjaYaW.    ryrkjabandalag0slandsbendirumsgnsinniaWraunhkkunframfrslu,aWteknutil r lititil_verWb;lguforsendna_Ԁfrumvarpsins,verWiinnanviW4.000kr.millira.XaWgeriraWeins e= 1,5%hkkun.EkkiYarfmikiWaWfararskeiWistilaWYurrkatvinninginnafYessari1,5% 0 hkkun,endavirWistekkertltverWb;lgu.VerWb;lgabitnarvalltverstYeimsemminnst  hafamillihandanna.    Flokkurf;lksinsleggurtil,samtWrumflokkumstj;rnarandstWu,aWlfeyriralmanna i tryggingahkkitilsamrmisviWlaunaYr;un.XettaeralgjrlgmarkskrafatilaWtryggjalf \4 eyrisYegumlgbundnaleiWrttingumilliraogkomavegfyrirvaxandikjaragliWnun. ' B.Frtekjumarkatvinnutekna.    TilstenduraWhkkafrtekjumarkellilfeyrisvegnaatvinnuteknaum100.000kr.XaWer `  breytingtilbatnaWar,endahefurfrtekjumarkiWstaWiWstaWrumsaman.Flokkurf;lksins S+! hefurlengibaristfyrirYvaWfrtekjumarkiWverWiafnumiW.XaWerhagurallraaWf;lkfiaW " vinna;hWaldriogmargirviljaveralengurvinnumarkaWiframyfirlfeyristkualdur.XaW # eykurYekkinguvinnustWumogeflirlUWheilsu.  $   RkiWverWurekkifyrirfjrhagslegutapiafYvaWhkkafrtekjumarkiW,endaskilaraukin !W% atvinnuYtttakaeldraf;lksauknumskatttekjumogstuWlaraWhagvexti,fyrirutansamflags J""& leganvinningsemekkiverWurmetinntilfjr. #'   SamkvmtfjrlagafrumvarpinuaukasttgjldTryggingastofnunarum540millj.kr. #( vegnahkkunarfrtekjumarksins.XessifjrhWerfenginmeWtreikningitpuWumskerW $ ) ingum.EkkiertekiWtillittilYeirrafjrmunasemskilasrinntekjuhliWinnimeWaukinni v%N!* atvinnuYtttkualdraWra.0raunerumeirilkurenminniYvaWrkissj;Wurhagnisthkk A&"+ unfrtekjumarksins.Flokkurf;lksinsfagnarhkkuninnienhveturjafnframtYingheimtilaW  '", hugavandlegahvortekkistilefnitilaWafnemameWllu_skerWingarellilfeyris_Ԁvegnaat '#- vinnutekna. (z$.   TekjutengingarogskerWingarvegnateknaalmannatryggingakerfinugangagegngrunn ( hugsunhinsYriggjastoWalfeyriskerfisinslandsinsYarsemgerterrWfyrirvirkniallrastoWa.  XessarstoWirerualmannatryggingarrkisins,skyldutrygginglfeyrisrttindaogsreignar  sparnaWureinstaklinga. a   ryrkjabandalag0slandskallareftirYvumsgnsinniviWfjrlagafrumvarpiWaWryrkjar T, fismuleiWrttingufrtekjumarkiogellilfeyrisYegar.Frtekjumarkatvinnuteknaryrkja  hefurstaWiW;breyttrmanratug.XaWeruYvmikilvonbrigWiaWekkistanditilaWgta  jafnrWisYessumefnum.SmurkeigaviWbWumtilvikum.     :breyttfrtekjumarkgerirYaWaWverkumaWryrkjareigaerfittmeWaWkomastinn  X vinnumarkaWogverWaaukYessfyrir_grimmilegum_ԀskerWingumkjlfariW.vinningurinn K #  erltilloghttanersaWrorkaverWiendurmetinWurenf;lkhefuraWlagastvinnuaW    fullu.Flokkurf;lksinshefurtrekaWkallaWeftir_viWhorfsbreytingum_ԀYessusviWi.ViWviljum    aWryrkjarfiaWvinnaalltaW2rnYessaWverWafyrirskerWingumognYessaWrorku   matverWiendurskoWaW.SvipaWfyrirkomulagvartekiWuppSvYj;WoghefurskilaWmiklum wO  rangri. B    Flokkurf;lksinsleggurtil,samtWrumflokkumstj;rnarandstWu,aWfrtekjumarkat    vinnuteknaryrkjahkki,endahveturYaWtilaukinnaratvinnuYtttkuogbttrarlUWheilsu.   XettaeralgjrlgmarkskrafatilaWtryggjajafnaYtttkutilatvinnuogsjlfsbjargarn {  skerWinga.AtvinnufrelsiWbeinlniskallarYaW. nF  x    x  HsnWisml. x/݌  Ќ    undanfrnumrumhefurframboWhsnWiekkihaldiWviWeftirspurn.VegnaYessa  ogannarraYttahefurhsnWisverWhkkaWgrWarlega,eWa_veldisvexti_.VerWb;lganhefur r tekiWviWsrmeWtilheyrandihrifumgreiWslubyrWiheimilanna.HsnWisverWerstrsti e= liWurinnsemdrfurframverWb;lgunadag.XettaYarfaWstWva. 0   XaWverWursfellterfiWarafyrirungtf;lkaWkomastinnhsnWismarkaWogslegister  umhverjabW.Um40%bWahfuWborgarsvWinueruseldaryfirsettuverWiog_meWal  slutmi_ԀbWahefuraldreimlststyttri.ViWverWumaWaukaframboWhsnWitilaW i stemmastiguviWYessariYr;un. \4   Flokkurf;lksins,samtWrumflokkumstj;rnarandstWu,leggurYvtilaWfjrheimild ' mlefnasviWs31.10hkkium3,5milljarWakr.tilaWtvfaldamegistofnframlgrkisins  vegnaalmennrabWa.XettaertilYessgertaWaukaframboW;dUruhsnWifyrir_lgtekju_Ԅ  ogmillitekjuf;lk.AukiWframboWttiaWleiWatillgraverWs,YaWminnstadragarhkk `  unum. S+!  x    x  LeiWsguhundar. x݌ # Ќ    AlYingisamYykktijnsl.breytingulgumYessefnisaWrkissj;Wurskulitryggjafjr  $ magntilaWafla,YjlfaogflytjainnleiWsguhundatilsamrmisviWeftirspurnhverjusinni. !W% MikilvgteraWtryggjafjrmagnvegnaYessaverkefnis. J""&   SamkvmtupplUsingumfrrWuneytinuerbiWaWrWstafa10millj.kr.tilaWrWa_hunda #' Yjlfara_ԀfulltstarfogtilstenduraWflytjainnYrjleiWsguhundanstari.AllmargirbWa #( eftirleiWsguhundiogAlYingihefurYegarsamYykktaWmtaYrfumblindraeftirYessu $ ) hjlpartkisemleiWsguhundurer.FylgjumYveftirmeWviWhltandifjrmgnun. v%N!*   Flokkurf;lksinsvillgangalengraogrWstafatilviWb;tar50millj.kr.tilmlaflokksins. A&"+ XessirfjrmunirmundustyttabiWlistaeftirleiWsguhundumogtryggjaaWfjrmagndugifyrir  '", YjlfunhundaogeigendameWferW_leiWsguhundanna_ԀsemgetaaukiWlfsgWiblindrast;r '#- kostlega. (z$. Ї x    xϳ  Bl;Wmerahald. xϳ݌ ( Ќ    LggjafinnverWurstraxaWbannabl;WtkurfylfullummerumnemanauWsynberitil  vegnalknismeWferWarveikudUri.EkkiereinungisumsiWferWilegarangaiWjuaWrWaog  ;verjandiillameWferWvarnarlausumdUrumheldureinnigumgrWarleganlitshnekki a myndlandsogYj;WaralYj;Wavsu.UmleiWoglggjafinnbannarbl;WmerahaldverWur T, hannaWbtabndumYanntekjumissisemYeirsannanlegaverWafyrirkjlfariW.    XvleggurFlokkurf;lksinstilaWfjrheimildirverWiauknarum210millj.kr.tilaWbta  Yennantekjumissi.UmeraWrWasvipaWafjrhWog_bl;Wmerabndur_Ԁfrihverjufyrir   slubl;Wirfylfullummerum.XaWereinlgvonokkarFlokkif;lksinsaWAlYingibanni  X Yetta_dUranW_ԀtkatW,Wurennsta_bl;WtkuvertW_Ԁhefst. K #   x    x7  NUBreiWafjarWarferja. x7U݌    Ќ    NauWsynlegteraWfjrfestanUrri_BreiWafjarWarferju_Ԁsemallrafyrst._Ferjusamgngur_Ԁspila   lykilhlutverkatvinnuogbyggWaYr;unVesturlandiogVestfjrWum.GamliBaldurer wO  kominntilrasinnaoguppfyllirekkintmakrfurumYgindifarYegaflutningumogtlit B  erfyriraukinnieftirspurnvegnavruflutninga.AukYesserBaldurekkitbinn_varavl_Ԁog    hefuroftareneinusinniYurftaWstoWvegna_vlabilana_.     Fj;rWungssambandVestfjarWaogsveitarflgVesturlandihafatrekaWkallaWeftirYv {  aWgamliHerj;lfurverWinUtturtil_ferjusiglinga_ԀBreiWafirWiYangaWtilnUferjakemurtil nF landsins.XettaerskynsamlegrWstfun,endaerskipiWekkinotkunsemstendur.Xannigm 9 eflaferjusiglingartilmunaogtryggjabeturryggifarYegaunsnUferjaertilbintilnotkun  ar.Flokkurf;lksinsleggurYvtilaWheimildtilsluskipinuHerj;lfiIII.fallibrottr6.gr.  frumvarpsins. r  x    xi  FyrirhuguWsala0slandsbankaogheimildtilsluhlutafLandsbanka. xi݌ 0 Ќ    0fjrlagafrumvarpinuerheimildtilaWseljaallthlutafrkissj;Ws0slandsbanka.0jn  sl.seldirkiW35%hlutafjrbankanumoghvereinastikaupandigrddirm20%einni  n;ttu.VerWiWhefurnhkkaWum60%ogmYvllumveralj;sthverskonar_brunatsala_ i ttisrstaW. \4   XeraWfinnafjrlagafrumvarpinuheimildtilslu30%hlutafjrrkisinsLandsbank ' anum.Hrerumst;rmlaWrWa.0slendingarvitahvemikilvgteignarhaldstrstubnk  umsamflagsinser.ViWlrWumYlexuhruninuokt;ber2008.    AlYingi0slendingaverWuraWtakaafstWutilYessaraformameWbeinumhttioggreiWa `  atkvWigegnYvaWrkisstj;rninseljiverWmtareignirYj;Warinnar_afslttarkjrum_Ԁtil_t S+! valinna_.AlYingiverWuraWtryggjahagsmuniYj;WarinnarogsamflagsinsYegarkemuraWYv " aWkveWaeignarhaldYessummikilvgubnkum. #   Flokkurf;lksinsleggurYvtilaWheimildir6.gr.frumvarpsinstilsluhlutafrkis  $ sj;Ws0slandsbankaogLandsbankafallibrott. !W%  x    x\  NUtumtekjustofnarkissj;Ws. x\z݌ #' Ќ    sWastakjrtmabilikvaWrkisstj;rninaWlkkabankaskattogveiWigjld.Tekjutap #( rkissj;WsvegnaYessarabreytingaerverulegt.XaWergrundvallaratriWiaWYeirsemnUtaauW $ ) lindirYj;WarinnareiginYgugreiWifulltverWfyrirafnotin.VeiWigjldineruvarladropi v%N!* hafiWhjtgerWinni,endaereigiWffyrirtkjasjvartvegi333milljarWarkr.meWan A&"+ veiWigjldinskilarkissj;WiaWeins7milljrWumkr.riW2018skiluWuveiWigjldinrkissj;Wi  '",  11,5milljrWumkr.ograunhefWimttrukkameira. '#-   & a  XettaerekkiforgangsrWunfjrmunaYguf;lksins.RkiWverWurafrmlega10milljrW ( umkr.rhvertvegnaYessaWbankarnirogtgerWinvildulgriskatta.Rkisstj;rnarflokk  arnirurWuviWYessumvilja.'a(    Flokkurf;lksins,samtWrumflokkumstj;rnarandstWu,leggurtilaWtekjurrkissj;Ws a verWiauknarum4milljarWakr.meWhkkuWuveiWigjaldi.Flokkurf;lksins,samtWrum T, flokkumstj;rnarandstWu,leggureinnigtilaWbreytingarverWigerWarreiknuWuendur  gjalditilaWkomavegfyriraWgreiddursfjrmagnstekjuskatturaflaunatekjum.XaWmundi  aukaskatttekjurrkissj;Wsum6milljarWakr.     AukYessaleggurFlokkurf;lksinstilaWlkkunbankaskattsinsverWidregintilbakaog  X aukastYtekjurrkissj;Wsum6milljarWakr.LkkunbankaskattsrUrWitekjurrkissj;Wsum K #  6milljarWakr.rsgrundvelli.XessilkkunttiaWleiWatilbetrivaxtakjaraenrauninernn    ur.BankarnirvorufurWulengiaWbregWastviWstUrivaxtalkkunumSeWlabankansenbrugW    ustviWeinsogkeppendur_hraWaspurningum_ԀGettubeturYegar_stUrivextirnir_ԀhkkuWu.   LkkunbankaskattsinsgerWiekkertnemaaWhkka_hlutabrfaverW_ԀbankannaogrUratekjur wO  rkissj;Ws. B    Flokkurf;lksinshefurtrekaWmltfyrirtillguumstaWgreiWsluviWinnborgunlfeyris    sj;W.Xannigmaukatekjurrkissj;WssvoummunarnYessaWskerWarWstfunartekjur   heimilannanokkurnhtt.XannigmttifjrmagnaaWfullunauWsynlegarbreytingaral {  mannatryggingakerfinu,hkkun_skattleysismarka_ԀogrWastYarfarrbturheilbrigWis nF kerfinu. 9   XaWerekkiboWiaWleyfavelferWarogheilbrigWiskerfinuaWgrotnaniWurogaukarfr  ribiliWmilliftkraogrkra.TkifrinerutilstaWar.EftirhverjuerumviWaWbWa._For  gangsrWum_Ԁfjrmunum.F;lkiWfyrst! r   AlYingi,21.desember2021. 0 Eyj;lfurrmannsson.