{"id":10319,"date":"2024-01-01T00:09:26","date_gmt":"2024-01-01T00:09:26","guid":{"rendered":"https:\/\/asd.gov.al\/home\/deposit-insurance\/when\/"},"modified":"2024-08-22T12:48:52","modified_gmt":"2024-08-22T12:48:52","slug":"when","status":"publish","type":"page","link":"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/when\/","title":{"rendered":"When"},"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-uagb-container uagb-block-b9580ed9\">\n<div class=\"wp-block-uagb-container uagb-block-24de073f\">\n<h2 class=\"wp-block-heading\"><strong>When will I receive the compensation amount<\/strong>?<\/h2>\n\n\n\n<p>Compensation of deposits by ADIA begins no later than 14 working days from the date of the decision of the Bank of Albania to place a bank or credit savings company in forced liquidation and license revocation.<br\/>Compensation of deposits by ADIA is carried out through one or several agent banks operating in Albania. This bank is selected by ADIA to act on its behalf as an agent for making compensation payments. <br\/>ADIA publishes the notice for the beginning of the compensation process, including the place and time for the compensation of deposits, within 3 days from the official notification of the Bank of Albania about the placement of the bank\/SCA in forced liquidation.<br\/>The compensation payment term ends no later than 3 (three) months from the date of its commencement and may be extended in case of inaccuracies in the accounting documents of the bank\/sca placed in forced liquidation or in the operation of electronic systems theirs.<br\/>According to the law, depositors can claim the amount of compensation within 10 (ten) years from the insured event.<\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-04bf0bee\">\n<div class=\"wp-block-uagb-container uagb-block-2efc4015\">\n<figure class=\"wp-block-video\"><video height=\"2160\" style=\"aspect-ratio: 3840 \/ 2160;\" width=\"3840\" controls=\"\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/08\/2.webm\"><\/video><\/figure>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-016e470d\">\n<figure class=\"wp-block-video\"><video height=\"2160\" style=\"aspect-ratio: 3840 \/ 2160;\" width=\"3840\" controls=\"\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/08\/5.webm\"><\/video><\/figure>\n<\/div>\n<\/div>\n<\/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\"><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-0fe98507 \" 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\">How can I know that the deposit is insured by the Deposit Insurance Agency?<\/span><\/div><div class=\"uagb-faq-content\"><p>When opening a deposit in a bank or credit union, the employee of this financial institution must inform you about the insurance of your deposit by making available detailed information on the maximum levels of coverage from the Deposit Insurance Agency. , insured deposits and those excluded from insurance, etc. The employee of the bank or credit savings association (SCA) is obliged to give you this information before signing the contract.<br>At the moment it is agreed to open the deposit, the form for informing the depositor about the elements of the deposit insurance scheme is given to the depositor, who signs it to confirm that the necessary information has been made available to him. This form becomes part of the deposit opening and administration documentation.  <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-3e02f159 \" 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 the amount of deposits provided by the Agency?<\/span><\/div><div class=\"uagb-faq-content\"><p>The Deposit Insurance Agency insures every depositor, regardless of the number of deposits or their type, in every bank up to 2,500,000 (two million five hundred thousand)ALL and in every savings credit association up to 2,000,000 (two million ) ALL.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-f6d25dde \" 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 happens to the part 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 associations)? <\/span><\/div><div class=\"uagb-faq-content\"><p>In case of compensation, the depositors turn to the Liquidator to benefit from the part of the deposit that exceeds the maximum level of coverage. The liquidator is appointed by the Bank of Albania to administer the bank or saving credit association placed in forced liquidation. In this process, he administers the assets of the bank or the SCA placed in forced liquidation, with the aim of paying off the obligations to third parties and the final closure of its activity.  <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-6e102530 \" 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 types of deposits compensated by the Agency?<\/span><\/div><div class=\"uagb-faq-content\"><p>The agency secures the deposits of individuals, traders and legal entities in banks and SCA. These are monetary values deposited in current and SCA, term and non-term deposits, debit card accounts, etc. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-9381876d \" 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\">Which deposits are excluded from deposit insurance and compensation?<\/span><\/div><div class=\"uagb-faq-content\"><p>In accordance with the Law &#8220;On deposit insurance&#8221;, the following are excluded from insurance and compensation in the event of an insurance event:<br><br>a) 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);<br><br>b) deposits under the value of 100 ALL;<br><br>c) deposits placed in the name or on account of financial institutions licensed by the Bank of Albania and the Financial Supervision Authority;<br><br>d) deposits of the director, bank administrator and their family members, according to the family status certificate;<br><br>e) deposits of shareholders of the bank or savings and SCA that own shares of 5 percent or more in the capital of these entities that are members of the deposit insurance scheme;<br><br>f) deposits derived from activities related to money laundering and terrorist financing, which have been declared illegal by a final court decision;<br><br>g) deposits of insurance and reinsurance companies, domestic or foreign;<br><br>h) deposits of business entities or collective investments, local or foreign;<br><br>i) deposits of pension funds or pension insurance, domestic or foreign;<br><br>j) titles issued by financial entities and any other type of obligation that these entities have based on their pledge agreements;<br><br>k) deposits of central or local government units, as well as any public entity of the Republic of Albania or a foreign country;<br><br>i) unnamed deposits and\/or the title of which is not clearly defined;<br><br>m) deposits placed in the member entity of the deposit insurance scheme during and after the day of the insurance event in this entity;<br><br>n) deposits of the members of the management bodies of the savings and credit company, according to the provisions in the law on SCA, except for the general assembly;<br><br>o) deposits of legal entities, except for those defined in point 17, article 3, of the law &#8220;On deposit insurance&#8221;.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-2882c258 \" 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 entities whose deposits are compensated?<\/span><\/div><div class=\"uagb-faq-content\"><p>All banks and SCA licensed by the Bank of Albania and members of the deposit insurance scheme. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-6bb8c50b \" 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\">How does compensation work?<\/span><\/div><div class=\"uagb-faq-content\"><p>In the case when a bank or SCA, due to financial impossibility, does not make their deposits available to depositors according to the terms of the contract, the Bank of Albania places this financial entity in forced liquidation. This decision is announced publicly. Upon receiving the notification, the Deposit Insurance Agency receives from the bankrupt subject the necessary data for calculating the amount of compensation and calculates the amount for each depositor. A bank is selected through which the compensation payments will be made and the relevant data is transmitted to this bank.   <br><br>The Deposit Insurance Agency informs the public through means of public communication when and how the compensation process will be carried out. Importantly, depositors do not have to take any action. It is not necessary to contact the bank or the SCA placed in forced liquidation or the Deposit Insurance Agency. Depositors only need to present themselves with an identification document at the counters of the bank through which the compensation payments will be made and receive the compensation payment according to the legal provisions.   <\/p><\/div><\/div><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-212fc178 \" 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\">How is the compenstation amount calculated?<\/span><\/div><div class=\"uagb-faq-content\"><p>The amount of the compensation payment is calculated and paid in ALL.<br><br>Depositors&#8217; compensation payment is calculated as follows:<br><br>In calculating the amount of deposit compensation payment for a depositor (including individual, trader and legal entity), the sum of all legally insurable deposits, in all currencies held by the depositor in a bank or SCA, is considered , including interest accrued but unpaid on the day of the insurance event. This amount is deducted from the unpaid obligations that the depositor has towards the financial institution placed in forced liquidation. <br><br>If the classified deposit for compensation is kept in a joint account, it is divided to each co-owner in equal parts, except for cases where it is stipulated otherwise in the agreements or contracts between the parties.<br><br>The amount of the deposit for compensation is equal to the amount of deposits accepted by the insurance law that the depositor has in the bank or SCA on the day of the insurance event (the placement of this financial institution in forced liquidation by the Bank of Albania) , but cannot exceed the amount of 2,500,000 ALL for deposits in banks and 2,000,000 ALL for deposits in SCA.<\/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 class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-b92ad735 \" 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\">If the depositor has deposits in ALL and in foreign currency, how is the compensation made?<\/span><\/div><div class=\"uagb-faq-content\"><p>In case of compensation, deposits in foreign currency are converted into ALL, at the official exchange rate, on the day the bank or SCA is placed in forced liquidation.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-7ef2505d \" 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\">How to correctly identify depositors if they have the same first and last name?<\/span><\/div><div class=\"uagb-faq-content\"><p>The unique identification of the depositor is done through a valid identification document as well as the deposit contract or any other document that proves the ownership of the deposit.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-2656fd4d \" 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\">How is deposit compensation obtained for depositors who are not present in the Republic of Albania?<\/span><\/div><div class=\"uagb-faq-content\"><p>Deposit compensation can be obtained through the presentation of general or special powers of attorney. In addition, the time limit within which depositors can appear to withdraw the deposit compensation amount is 10 years. <\/p><\/div><\/div><\/div><\/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\/i1-zi.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i1-zi.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i1-zi.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/i1-zi.png\" alt=\"\" class=\"uag-image-2499\" width=\"74\" height=\"90\" title=\"i1-zi\" 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\/icon3.png ,https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon3.png 780w, https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon3.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/icon3.png\" alt=\"\" class=\"uag-image-3644\" width=\"74\" height=\"90\" title=\"icon3\" 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<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":10302,"menu_order":3,"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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