What is not protected?
The following deposits shall be excluded from insurance and compensation provided by the Agency pursuant to the provisions of this Law (uninsured deposits):
a) deposits to the extent that they exceed 2.500.000 Lek (two million five hundred thousand Lek) or the equivalent amount in foreign currency;
b) deposits held by any company or other juridical person;
c) deposits held at an insured bank by any director, manager or member personally liable of that bank, or by any depositor of similar status in another company in the same group;
ç) deposits held at an insured bank by any person who holds five percent or more of the equity or voting rights of that bank;
d) deposits held at an insured bank by any person who is responsible for carrying out the audits of the accounting documents of that bank, or who has a similar status in another company in the group of companies to which that bank belongs;
dh) deposits of every insured bank’ depositors that has more than 20 per cent of the preferred interest, different from the interest applied following the employee conditions for all the other depositors of this bank.
e) deposits held at an insured bank by any person who has used a deposit account with that bank for proceeds of criminal activity;
ë) non-nominative deposits, including deposits represented by bearer securities;
f) deposits held with a foreign branch office of an Albanian bank; an
g) deposits received in an account with a bank during and after the day of intervention against that bank.