{"id":10923,"date":"2024-01-01T00:05:37","date_gmt":"2024-01-01T00:05:37","guid":{"rendered":"https:\/\/asd.gov.al\/home\/deposit-insurance\/glossary\/"},"modified":"2026-01-29T11:33:16","modified_gmt":"2026-01-29T11:33:16","slug":"glossary","status":"publish","type":"page","link":"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/glossary\/","title":{"rendered":"Glossary"},"content":{"rendered":"\n
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Kreu <\/a>\/ RRETH NESH<\/a> \/ FJALORTH<\/p><\/div>\n<\/div><\/div>\n\n\n\n

Glossary<\/h2><\/div>\n\n\n\n

Deposit Insurance Agency<\/h4>

The authority responsible for insurance and compensation of deposits in banks and savings and credit companies in the Republic of Albania.<\/p><\/div>\n\n\n\n

Period of compensation<\/h4>

It is the legal deadline within which the Agency must make compensation payments. Currently, this deadline is three months from the decision of the Bank of Albania to place the bank or credit saving association in forced liquidation. <\/p><\/div>\n\n\n\n

Unsecured deposit<\/strong><\/h4>

It is the value of the deposit above the maximum level of coverage, as well as deposits excluded from insurance.<\/p><\/div>\n\n\n\n

Collateral deposit<\/strong><\/h4>

It is the deposit placed by the depositor as collateral (guarantee), to guarantee his obligations towards the bank, according to the terms of the relevant contract. The bank has the exclusive right to dispose of this deposit, which is not guaranteed. <\/p><\/div>\n\n\n\n

Supervisory authority<\/strong><\/h4>

The supervisory authority of the Deposit Insurance Agency is the Bank of Albania.<\/p><\/div>\n\n\n\n

Deposit Insurance Fund<\/strong><\/h4>

It is the fund created by the regular and periodic contributions of banks and credit saving associations as well as the investment activity of the Agency. This fund serves to compensate deposits, up to the maximum level of coverage, in banks and credit saving associations, which are unable to fulfill their obligations towards depositors. <\/p><\/div>\n\n\n\n

Bank<\/strong><\/h4>

The bank is a legal entity that accepts deposits, grants loans and performs financial activities for the public. The bank is licensed by the Bank of Albania and joins the deposit insurance scheme to carry out its activities. <\/p><\/div>\n\n\n\n

Emergency Intervention Fund<\/strong><\/h4>

It is the fund created by the regular and periodic contributions of the banks as well as the investment activity of the Agency. The Emergency Intervention Fund provides financial resources for the use of emergency intervention funds in order to continue the bank’s functions, maintain the stability of the financial system and protect insured depositors. <\/p><\/div>\n\n\n\n

Bankrupt bank<\/strong><\/h4>

A bank, which has been placed in forced liquidation by the Bank of Albania due to its financial inability to fulfill its contractual obligations to its depositors.<\/p><\/div>\n\n\n\n

Lender of last resort<\/strong><\/h4>

It is the Ministry of Finance and Economy, which concludes a loan agreement with the Agency, to replenish its funds in case of an insurance event.<\/p><\/div>\n\n\n\n

Agent bank<\/strong><\/h4>

A bank or several banks, which are selected by the Deposit Insurance Agency to make compensation payments to depositors. Agent banks are selected every three years through a process of verifying the criteria defined in the sub-legal act approved by the Bank of Albania. <\/p><\/div>\n\n\n\n

Compensation of deposits<\/strong><\/h4>

It is the payment of the amount determined up to the maximum level of coverage, which the Deposit Insurance Agency must pay to insured depositors, in the event that the bank or sca, where they have placed their deposits, is unable financial to fulfill the obligations stipulated in the contract signed between the parties. This payment can be made by cash, check, or bank transfer to another account. <\/p><\/div>\n\n\n\n

Assignment \/ Subrogation<\/strong><\/h4>

It is the transfer to the Agency of all depositors’ rights, to claim from the Liquidator the amount of compensated deposits and the costs related to the compensation process.<\/p><\/div>\n\n\n\n

Compulsory liquidation of the bank or credit saving associations<\/strong><\/h4>

It is the procedure established by the Bank of Albania or the court to revoke the license and close the activity of a bank or a SCA. This decision can be taken, among other things, due to the declared inability of the bank or credit savings company to fulfill its financial obligations. <\/p><\/div>\n\n\n\n

Depositor<\/strong><\/h4>

It is every individual, merchant and legal entity, who has a deposit in a bank or a credit saving association, in ALL or in foreign currency.<\/p><\/div>\n\n\n\n

Maximum coverage levels<\/strong><\/h4>

They are the maximum monetary values that the Agency pays to each depositor in any bank or SCA in the event of an insurance event, regardless of the number of deposits or their type. The maximum level of coverage for each insured depositor in each bank is 2,500,000 (two million five hundred thousand) ALL. The maximum level of coverage for each insured depositor in each credit saving association is 2,000,000 (two million) ALL. <\/p><\/div>\n\n\n\n

Deposit<\/strong><\/h4>

It is an amount of money, which an individual, trader or legal entity deposits in a bank or credit union and which must be returned in the same currency, according to the signed contract.<\/p><\/div>\n\n\n\n

Extraordinary intervention in the bank<\/strong><\/h4>

They are the procedures followed in a bank, by decision of the Extraordinary Intervention Authority (Bank of Albania), with the aim of continuing the bank’s functions, maintaining the stability of the financial system and protecting insured depositors.<\/p><\/div>\n\n\n\n

Secured deposit<\/strong><\/h4>

It is the aggregate value of all deposits of a depositor….<\/p><\/div>\n\n\n\n

An insured event is defined as:<\/h4><\/div>\n\n\n\n

An insured event is defined as:<\/p>\n\n\n\n

    \n
  • Kur Agjencia paguan, deri n\u00eb nivelin maksimal t\u00eb mbulimit, depozitat e depozituesve t\u00eb nj\u00eb banke ose shoq\u00ebrie t\u00eb kursim – kreditit, t\u00eb cilat jan\u00eb vendosur n\u00eb likuidim t\u00eb detyruar nga Banka e Shqip\u00ebris\u00eb;<\/li>\n\n\n\n
  • Kur Agjencia transferon mjete monetare n\u00eb nj\u00eb bank\u00eb, ndaj t\u00eb cil\u00ebs po merren masa t\u00eb nd\u00ebrhyrjes s\u00eb jasht\u00ebzakonshme, me vendim t\u00eb Autoritetit t\u00eb Nd\u00ebrhyrjes s\u00eb Jasht\u00ebzakonshme (Banka e Shqip\u00ebris\u00eb), me q\u00ebllim q\u00eb depozituesit t\u00eb vazhdojn\u00eb t\u00eb ken\u00eb mund\u00ebsi t\u2019i p\u00ebrdorin depozitat e tyre.<\/li>\n<\/ul>\n\n\n\n

    Depozit\u00eb e sigurueshme<\/strong><\/h4>

    \u00cbsht\u00eb vlera e mbledhur e t\u00eb gjitha depozitave t\u00eb nj\u00eb depozituesi, p\u00ebrfshir\u00eb interesin, q\u00eb p\u00ebrllogaritet n\u00eb dat\u00ebn e llogaritjes s\u00eb primit ose t\u00eb ngjarjes s\u00eb sigurimit, me p\u00ebrjashtim t\u00eb depozitave t\u00eb pasigurueshme.<\/p><\/div>\n\n\n\n

    Primi i sigurimit t\u00eb depozitave dhe kontributet<\/strong><\/h4>

    Jan\u00eb vlerat monetare q\u00eb \u00e7do bank\u00eb dhe shoq\u00ebri e kursim – kreditit i paguan Agjencis\u00eb, me q\u00ebllim sigurimin e depozitave t\u00eb depozituesve dhe kompensimin e tyre n\u00eb rast ngjarje sigurimi.<\/p><\/div>\n\n\n\n

    Depozit\u00eb e p\u00ebrbashk\u00ebt<\/strong><\/h4>

    \u00cbsht\u00eb depozita e vendosur n\u00eb em\u00ebr t\u00eb dy ose m\u00eb shum\u00eb personave, q\u00eb kan\u00eb t\u00eb drejta t\u00eb plota p\u00ebr ta disponuar at\u00eb bashk\u00ebrisht dhe individualisht. Secili prej tyre p\u00ebrfiton nga sigurimi i depozit\u00ebs deri n\u00eb nivelin maksimal t\u00eb mbulimit.<\/p><\/div>\n\n\n\n

    Sigurimi i depozitave<\/strong><\/h4>

    Sistemi\/skema q\u00eb krijohet p\u00ebr t\u00eb kompensuar depozitat n\u00eb bankat dhe shoq\u00ebrit\u00eb e kursim – kreditit an\u00ebtare, n\u00eb rast se k\u00ebto institucione financiare jan\u00eb n\u00eb pamund\u00ebsi financiare t\u2019u p\u00ebrgjigjen detyrimeve kontraktuale me depozituesit e tyre. Pjes\u00ebmarr\u00ebs t\u00eb skem\u00ebs jan\u00eb Agjencia e Sigurimit t\u00eb Depozitave, si siguruese e depozitave, bankat dhe shoq\u00ebrit\u00eb e kursim-kreditit, si an\u00ebtare t\u00eb skem\u00ebs, Banka e Shqip\u00ebris\u00eb, si mbik\u00ebqyr\u00ebse e tyre, dhe Ministria e Financave dhe Ekonomis\u00eb si huadh\u00ebn\u00ebse e instanc\u00ebs s\u00eb fundit.<\/p><\/div>\n\n\n\n

    Depozit\u00eb me person t\u00eb autorizuar<\/strong><\/h4>

    \u00cbsht\u00eb depozita n\u00eb t\u00eb cil\u00ebn vet\u00ebm titullari i saj ka t\u00eb drejta t\u00eb plota pron\u00ebsie, nd\u00ebrsa personi i autorizuar kryen veprime t\u00eb caktuara n\u00eb em\u00ebr t\u00eb titullarit. N\u00eb k\u00ebt\u00eb rast, vet\u00ebm titullari p\u00ebrfiton nga sigurimi i depozit\u00ebs deri n\u00eb nivelin maksimal t\u00eb mbulimit.<\/p><\/div>\n\n\n\n

    Shoq\u00ebri e kursim – kreditit<\/strong><\/h4>

    The SCA is a legal entity consisting of voluntary associations of individuals, natural or legal persons, which provides services only to its members. Members deposit their money in the society and these funds are used to provide loans to its members. The savings and credit company is licensed by the Bank of Albania and becomes a member of the deposit insurance scheme to carry out its financial activity.<\/p><\/div>\n\n\n\n

    Depozit\u00eb e vendosur n\u00eb p\u00ebrfitim t\u00eb nj\u00eb pale t\u00eb tret\u00eb<\/strong><\/h4>

    \u00cbsht\u00eb depozita e vendosur nga depozituesi n\u00eb p\u00ebrfitim t\u00eb nj\u00eb pale t\u00eb tret\u00eb, q\u00eb ka t\u00eb drejt\u00ebn e pron\u00ebsis\u00eb mbi k\u00ebt\u00eb depozit\u00eb sipas kushteve t\u00eb kontrat\u00ebs. 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kontrat\u00ebs.<\/p><\/div>\n<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":10302,"menu_order":6,"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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