{"id":10317,"date":"2024-01-01T00:08:02","date_gmt":"2024-01-01T00:08:02","guid":{"rendered":"https:\/\/asd.gov.al\/home\/deposit-insurance\/who\/"},"modified":"2024-08-16T09:07:13","modified_gmt":"2024-08-16T09:07:13","slug":"who","status":"publish","type":"page","link":"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/who\/","title":{"rendered":"Who"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-907ea79e alignfull uagb-is-root-container\">\n<!--more-->\n<\/div>\n\n<div class=\"wp-block-uagb-container uagb-block-6414ef41 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-7f8e86c7 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-media-text alignwide has-media-on-the-right is-stacked-on-mobile is-vertically-aligned-center\" style=\"grid-template-columns:auto 56%\"><div class=\"wp-block-media-text__content\">\n<h2 class=\"wp-block-heading has-text-color\" style=\"color:#000000;font-size:32px\"><strong>Who is insured by the deposit<br\/>insurance scheme?<\/strong><\/h2>\n\n\n\n<p class=\"justify\">Deposit insurance is based on the principle of one depositor per bank\/cooperative, which means that each depositor has a guaranteed right to deposit insurance in each bank\/sca that is a member of the deposit insurance scheme in Albania.<br\/>ADIA ensures the deposits of Albanian and foreign individuals, traders and commercial companies in ALL and foreign currency to the extent of 100%, but in any case no more than 2,500,000 ALL for each bank and 2,000,000 ALL for each saving crediting association.<br\/>Deposits are amounts in a bank account which can be classified as term or non-term deposits, current accounts, savings accounts, deposits or other bank accounts, combinations of the aforementioned banking products, which are insured by the Agency.<\/p>\n<\/div><figure class=\"wp-block-media-text__media\"><video controls src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/08\/1.webm\"><\/video><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-c23d4022\"><h3 class=\"uagb-heading-text\">Uninsurable deposits according to the law are:<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-d3bab09e alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-3fed1966\">\n<div class=\"wp-block-uagb-icon-list uagb-block-25554b58 justify\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-e03a10cf\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">The part of the deposit above the maximum level of coverage (2,500,000 ALL for deposits in banks and 2,000,000 ALL for deposits in savings and credit companies);<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-73a9d2d9\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits below the value of 100 ALL;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-6c76df34\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits placed in the name or on account of financial institutions licensed by the Bank of Albania and the Financial Supervision Authority;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-e33ffe6d\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of the director, bank administrator and their family members, according to the family status certificate;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-28589377\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of shareholders of the bank or saving crediting association that own shares of 5 percent or more in the capital of these entities that are members of the deposit insurance scheme;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b8235f9d\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits derived from activities related to money laundering and terrorist financing, which have been declared illegal by a final court decision;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-713de8b8\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of insurance and reinsurance companies, domestic or foreign;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-5265ae7a\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of business entities or collective investments, domestic or foreign;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-930b686d\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of pension funds or pension insurance, domestic or foreign;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ca01f7a4\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Securities issued by financial entities and any other type of obligation that these entities have based on their pledge agreements;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-f959e477\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of central or local government units, as well as any public entity of the Republic of Albania or a foreign country;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ac23ee60\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Unnamed deposits and\/or the title of which is not clearly defined;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-fd53a5f1\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits placed in the member entity of the deposit insurance scheme during and after the day of the insurance event in this entity;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-671abe2f\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of the members of the management bodies of the savings and credit company, according to the provisions in the law on savings and credit companies, except for the general assembly;<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ca447084\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewbox=\"0 0 512 512\"><path d=\"M256 0C114.6 0 0 114.6 0 256c0 141.4 114.6 256 256 256s256-114.6 256-256C512 114.6 397.4 0 256 0zM406.6 278.6l-103.1 103.1c-12.5 12.5-32.75 12.5-45.25 0s-12.5-32.75 0-45.25L306.8 288H128C110.3 288 96 273.7 96 256s14.31-32 32-32h178.8l-49.38-49.38c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l103.1 103.1C414.6 241.3 416 251.1 416 256C416 260.9 414.6 270.7 406.6 278.6z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Deposits of legal entities, except for those defined in point 17, article 3, of the law \u201cOn deposit insurance\u201d<\/span><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"justify\">Deposits, the holder of which has not been identified on the date of the decision of the Bank of Albania to place a bank\/SCA in forced liquidation, are not compensated.<br\/>All banks and saving crediting association licensed by the Bank of Albania to accept deposits are obliged to participate in the deposit insurance scheme.<br\/>Deposit insurance by ADIA until now covers deposits at these link member <a href=\"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/banks-and-sca-members\/\">banks <\/a>and in these savings and <a href=\"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/banks-and-sca-members\/\">SCA<\/a> that are members of the link deposit insurance scheme.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-9e78469c\">\n<div class=\"wp-block-uagb-container uagb-block-a706d3d5\">\n<div class=\"wp-block-uagb-container uagb-block-16a15e3f\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-056ea87f wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon1.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon1.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon1.png\" alt=\"\" class=\"uag-image-3643\" width=\"74\" height=\"90\" title=\"icon1\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-4c7e323b\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-4f3c84f0\"><h4 class=\"uagb-heading-text\">Who is insured by the deposit insurance scheme?<\/h4><\/div>\n<\/div>\n<a class=\"spectra-container-link-overlay\" rel=\"noopener\"> <\/a><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bbad9a2f\">\n<div class=\"wp-block-uagb-container uagb-block-3a4737b7\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-908b2c22 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png\" alt=\"\" class=\"uag-image-2475\" width=\"2\" height=\"40\" title=\"Line-2\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-adc0d872\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-32b9ab29\">\n<div class=\"wp-block-uagb-container uagb-block-8ce574be\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-9f549d1e wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i3-1.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i3-1.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i3-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i3-1.png\" alt=\"\" class=\"uag-image-2480\" width=\"74\" height=\"90\" title=\"i3-1\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-2780e09c\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-d4fc91bf\"><h4 class=\"uagb-heading-text\">What is the<br\/>compensation amount<\/h4><\/div>\n<\/div>\n<a class=\"spectra-container-link-overlay\" rel=\"noopener\"> <\/a><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-49aa3786\">\n<div class=\"wp-block-uagb-container uagb-block-e8aa4b0f\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-672f49ac wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png\" alt=\"\" class=\"uag-image-2475\" width=\"2\" height=\"40\" title=\"Line-2\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f6159312\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-7fa01d9b\">\n<div class=\"wp-block-uagb-container uagb-block-082e31bf\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-9f15801c wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i2-1.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i2-1.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i2-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i2-1.png\" alt=\"\" class=\"uag-image-2481\" width=\"74\" height=\"90\" title=\"i2-1\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-56273f29\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a5b4f2fe\"><h4 class=\"uagb-heading-text\">When will I receive the <br\/>compensation amount?<\/h4><\/div>\n<\/div>\n<a class=\"spectra-container-link-overlay\" rel=\"noopener\"> <\/a><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-97123331\">\n<div class=\"wp-block-uagb-container uagb-block-699a0040\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-2bf95093 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Line-2-edited.png\" alt=\"\" class=\"uag-image-2475\" width=\"2\" height=\"40\" title=\"Line-2\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-3cc20712\"><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-4b22c023\">\n<div class=\"wp-block-uagb-container uagb-block-e737a974\">\n<div class=\"wp-block-uagb-image aligncenter uagb-block-507552c1 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i4-1.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i4-1.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i4-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i4-1.png\" alt=\"\" class=\"uag-image-2482\" width=\"74\" height=\"90\" title=\"i4-1\" loading=\"lazy\" role=\"img\"><\/figure><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-2a0bc44b\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-4d7ac9da\"><h4 class=\"uagb-heading-text\">How is the compensation<br\/>amount obtained?<\/h4><\/div>\n<\/div>\n<a class=\"spectra-container-link-overlay\" rel=\"noopener\"> <\/a><\/div>\n<\/div>\n<\/div>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-3ef9a1a5 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-796f104f \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M438.6 278.6l-160 160C272.4 444.9 264.2 448 256 448s-16.38-3.125-22.62-9.375c-12.5-12.5-12.5-32.75 0-45.25L338.8 288H32C14.33 288 .0016 273.7 .0016 256S14.33 224 32 224h306.8l-105.4-105.4c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l160 160C451.1 245.9 451.1 266.1 438.6 278.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 384 512\"><path d=\"M374.6 310.6l-160 160C208.4 476.9 200.2 480 192 480s-16.38-3.125-22.62-9.375l-160-160c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L160 370.8V64c0-17.69 14.33-31.1 31.1-31.1S224 46.31 224 64v306.8l105.4-105.4c12.5-12.5 32.75-12.5 45.25 0S387.1 298.1 374.6 310.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Who calculates the compensation amount?<\/span><\/div><div class=\"uagb-faq-content\"><p>The amount of compensation is calculated and paid by the Deposit Insurance Agency in accordance with the data registered in the bank or SCA on the day of the placement in forced liquidation by the Bank of Albania. Entities placed in forced liquidation or managers placed for their administration are responsible for the authenticity of the data and their timely transmission to the Deposit Insurance Agency. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f11b39b9 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M438.6 278.6l-160 160C272.4 444.9 264.2 448 256 448s-16.38-3.125-22.62-9.375c-12.5-12.5-12.5-32.75 0-45.25L338.8 288H32C14.33 288 .0016 273.7 .0016 256S14.33 224 32 224h306.8l-105.4-105.4c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l160 160C451.1 245.9 451.1 266.1 438.6 278.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 384 512\"><path d=\"M374.6 310.6l-160 160C208.4 476.9 200.2 480 192 480s-16.38-3.125-22.62-9.375l-160-160c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L160 370.8V64c0-17.69 14.33-31.1 31.1-31.1S224 46.31 224 64v306.8l105.4-105.4c12.5-12.5 32.75-12.5 45.25 0S387.1 298.1 374.6 310.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What is ADIA?<\/span><\/div><div class=\"uagb-faq-content\"><p>The Deposit Insurance Agency (ADIA) is a public institution established by law that administers the Deposit Insurance Funds in banks and SCA with the aim of compensating deposits in these financial institutions, according to legal provisions. The agency also administers the Emergency Intervention Fund to finance emergency intervention methods in banks. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-a0d36cd2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M438.6 278.6l-160 160C272.4 444.9 264.2 448 256 448s-16.38-3.125-22.62-9.375c-12.5-12.5-12.5-32.75 0-45.25L338.8 288H32C14.33 288 .0016 273.7 .0016 256S14.33 224 32 224h306.8l-105.4-105.4c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l160 160C451.1 245.9 451.1 266.1 438.6 278.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 384 512\"><path d=\"M374.6 310.6l-160 160C208.4 476.9 200.2 480 192 480s-16.38-3.125-22.62-9.375l-160-160c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L160 370.8V64c0-17.69 14.33-31.1 31.1-31.1S224 46.31 224 64v306.8l105.4-105.4c12.5-12.5 32.75-12.5 45.25 0S387.1 298.1 374.6 310.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">What are the main functions of ADIA?<\/span><\/div><div class=\"uagb-faq-content\"><p>The main functions of the Agency are: a) Compensation of insured deposits in individuals, merchants and commercial companies; b) Participation with the transfer of monetary assets, in the extraordinary intervention of banks, in order for depositors to continue to be able to use their deposits; c) Verification of banks and savings and credit companies for deposit insurance and compensation; d) Collection of premiums and contributions and their investment, etc.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b034a4b2 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M438.6 278.6l-160 160C272.4 444.9 264.2 448 256 448s-16.38-3.125-22.62-9.375c-12.5-12.5-12.5-32.75 0-45.25L338.8 288H32C14.33 288 .0016 273.7 .0016 256S14.33 224 32 224h306.8l-105.4-105.4c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0l160 160C451.1 245.9 451.1 266.1 438.6 278.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 384 512\"><path d=\"M374.6 310.6l-160 160C208.4 476.9 200.2 480 192 480s-16.38-3.125-22.62-9.375l-160-160c-12.5-12.5-12.5-32.75 0-45.25s32.75-12.5 45.25 0L160 370.8V64c0-17.69 14.33-31.1 31.1-31.1S224 46.31 224 64v306.8l105.4-105.4c12.5-12.5 32.75-12.5 45.25 0S387.1 298.1 374.6 310.6z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\">Who pays for deposit insurance of bank depositors and SCA?<\/span><\/div><div class=\"uagb-faq-content\"><p>Banks and SCA pay for the insurance of depositors&#8217; deposits.<\/p><\/div><\/div><\/div><\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":10302,"menu_order":1,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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