{"id":9961,"date":"2024-03-22T12:49:43","date_gmt":"2024-03-22T12:49:43","guid":{"rendered":"https:\/\/asd.gov.al\/banks-and-sca-members\/banks\/"},"modified":"2024-07-15T11:42:31","modified_gmt":"2024-07-15T11:42:31","slug":"banks","status":"publish","type":"page","link":"https:\/\/asd.gov.al\/en\/home\/deposit-insurance\/banks-and-sca-members\/banks\/","title":{"rendered":"Banks"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-907ea79e alignfull uagb-is-root-container\">\n<!--more-->\n<\/div>\n\n\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-235eecf4 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-50c34186\"><p class=\"uagb-heading-text\"><a href=\"https:\/\/asd.gov.al\/\">Kreu <\/a>\/ Per Bankat<\/p><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-cd63eb38\"><h2 class=\"uagb-heading-text\">Information for Banks!<\/h2><\/div>\n\n\n\n<div class=\"wp-block-uagb-tabs uagb-block-4d7ae38b uagb-tabs__wrap uagb-tabs__hstyle1-desktop uagb-tabs__vstyle6-tablet uagb-tabs__stack1-mobile asd-tabs\" data-tab-active=\"0\"><ul class=\"uagb-tabs__panel uagb-tabs__align-left\" role=\"tablist\"><li class=\"uagb-tab uagb-tabs__active\" role=\"none\"><a href=\"#uagb-tabs__tab0\" class=\"uagb-tabs-list uagb-tabs__icon-position-right\" data-tab=\"0\" role=\"tab\"><div><strong>Attention towards bank workers<\/strong><\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab1\" class=\"uagb-tabs-list uagb-tabs__icon-position-right\" data-tab=\"1\" role=\"tab\"><div><strong>Calculation of Prime<\/strong><\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab2\" class=\"uagb-tabs-list uagb-tabs__icon-position-right\" data-tab=\"2\" role=\"tab\"><div><strong>Electronic Reporting<\/strong><\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab3\" class=\"uagb-tabs-list uagb-tabs__icon-position-right\" data-tab=\"3\" role=\"tab\"><div><strong>Verification<\/strong><\/div><\/a><\/li><li class=\"uagb-tab \" role=\"none\"><a href=\"#uagb-tabs__tab4\" class=\"uagb-tabs-list uagb-tabs__icon-position-right\" data-tab=\"4\" role=\"tab\"><div><strong>TEST YOUR KNOWLEDGE<\/strong><\/div><\/a><\/li><\/ul><div class=\"uagb-tabs__body-wrap\">\n<div class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-0 asd-tabs\" aria-labelledby=\"uagb-tabs__tab0\">\n<div class=\"wp-block-uagb-separator uagb-block-6493e7d3 is-style-wide\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<p>Individual deposits in every bank operating in Albania are insured from ADIA in compliance with law no. 53\/2014 \u201cOn Deposit Insurance\u201d<\/p>\n\n\n\n<p>Banks licensed from the Bank of Albania on deposits collection are subjects operating within the territory of the Republic of Albania and subject to the Albanian jurisdiction.Their membership in scheme is mandatory. <\/p>\n\n\n\n<p>As member of deposit insurance scheme, first \u2013 time member banks have the obligation to pay initial contribution and afterward annual premiums on their depositors\u2019 deposit insurance. In the case when a bank fails to pay deposits for the reasons related with its financial situation, ADIA compensates the depositors making use of these contributions and their investment proceeds. <\/p>\n\n\n\n<p>In order to have e prompt and accurate compensation, in support of preservation of banking and financial stability in the county, it is very important:<\/p>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-573d913c\"><h4 class=\"uagb-heading-text\"><strong>1. An accurate depositors and deposit data entry:<\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-ea61eae3\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ac5fb320\"><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\">Regjistrimi i sakt\u00eb i t\u00eb dh\u00ebnave identifikuese t\u00eb depozituesit (Em\u00ebr, mbiem\u00ebr, num\u00ebr personal, at\u00ebsia, dat\u00eblindja, num\u00ebr dokument\u00a0\u00a0 identifikimi).<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-180a9e11\"><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\">Regjistrimi i sakt\u00eb i t\u00eb dh\u00ebnave kontaktuese t\u00eb depozituesit (Num\u00ebr telefoni, adres\u00eb banimi, adres\u00eb email-i).<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-9a5ffd31\"><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\">Regjistrimi i sakt\u00eb i t\u00eb dh\u00ebnave p\u00ebr depozit\u00ebn (Numri i llogaris\u00eb, shuma, norma e interesit t\u00eb aplikuar, monedha, titullari i\u00a0 depozit\u00ebs, numri i titullar\u00ebve t\u00eb depozit\u00ebs &amp; p\u00ebrqindja e tyre n\u00eb depozit\u00eb).<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-71257bcd\"><h4 class=\"uagb-heading-text\">2. <strong>Depositor awareness and information:<\/strong><\/h4><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-0849cf62\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-65b4b124\"><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\">Punonj\u00ebsi i bank\u00ebs duhet t\u00eb nd\u00ebrgjegj\u00ebsoj\u00eb klient\u00ebt e saj n\u00eb lidhje me r\u00ebnd\u00ebsin\u00eb e p\u00ebrdit\u00ebsimit t\u00eb t\u00eb dh\u00ebnave t\u00eb tij, pas \u00e7do ndryshimi t\u00eb mundsh\u00ebm.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-d9a4f013\"><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\">Punonj\u00ebsi i bank\u00ebs duhet t\u00eb informoj\u00eb sakt\u00eb klient\u00ebt q\u00eb:<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-919e89af\"><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\">Kufiri maksimal i sigurimit p\u00ebr \u00e7do individ \u00ebsht\u00eb 2,500,000 lek\u00eb, p\u00ebr \u00e7do bank\u00eb t\u00eb sistemit.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-0d09de32\"><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\">Agjencia e Sigurimit t\u00eb Depozitave \u00ebsht\u00eb institucioni i vet\u00ebm q\u00eb siguron dhe kompenson depozitat e individ\u00ebve n\u00eb Republik\u00ebn e Shqip\u00ebris\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c5285509\"><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\">Sigurohen t\u00eb gjitha depozitat e individ\u00ebve n\u00eb bankat q\u00eb ushtrojn\u00eb aktivitetin n\u00eb territorin e Republik\u00ebs s\u00eb Shqip\u00ebris\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-70ce7e91\"><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\">Sigurohen individ\u00ebt q\u00eb kan\u00eb depozita n\u00eb t\u00eb gjitha bankat an\u00ebtare t\u00eb skem\u00ebs s\u00eb sigurimit, rezident\u00eb apo jo rezident\u00eb\/shqiptar\u00eb apo t\u00eb huaj.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c99e2d41\"><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\">Depozituesit q\u00eb ka m\u00eb shum\u00eb se nj\u00eb depozit\u00eb\/llogari i mblidhen t\u00eb gjitha depozitat\/llogarit\u00eb q\u00eb ka n\u00eb nj\u00eb bank\u00eb dhe sigurohet e kompensohet deri n\u00eb 2,500,000 lek\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-559f478b\"><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\">Depozitat e p\u00ebrbashk\u00ebta ndahen sipas numrit t\u00eb pronar\u00ebve t\u00eb tyre dhe sigurohet pronari\/depozituesi deri n\u00eb 2,500,000 lek\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-7ddb6652\"><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\">T\u00eb gjitha depozitat e individ\u00ebve n\u00eb nj\u00eb bank\u00eb si n\u00eb lek\u00eb dhe n\u00eb monedh\u00eb t\u00eb huaj sigurohen. Kompensimi i tyre b\u00ebhet n\u00eb lek\u00eb.<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-1 asd-tabs\" aria-labelledby=\"uagb-tabs__tab1\">\n<div class=\"wp-block-uagb-separator uagb-block-1450eca8 is-style-wide\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-f1ceac65\"><h4 class=\"uagb-heading-text\"><strong>Quarterly insurance premium calculation method.<\/strong><\/h4><p class=\"uagb-desc-text\">Period taken as example: January 1, 2016 \u2013 March 31 2016:<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45f78ccd\"><h5 class=\"uagb-heading-text\"><strong>First step:<\/strong> simple average of insured deposits is calculated:<\/h5><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-7dfaf0c2\"><p class=\"uagb-heading-text\">Sh\u00ebnojm\u00eb me<\/p><\/div>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u201cM<sub>t <\/sub> M<sub>n<\/sub> M<sub>dh<\/sub>\u201d \u2013 \u2022 MO, MN, MD \u2013 sum of insured deposits in ALL, as per last day of each previous trimester (October, November, December 2015)<\/li>\n\n\n\n<li>A \u2013 simple average of sum of insured deposits, registered in Bank, as per last day of each previous trimester<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"258\" height=\"60\" src=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/llogaritja-e-primit-per-bankat.png\" alt=\"\" class=\"wp-image-6946\"\/><\/figure>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-2ca8a3a8\"><h5 class=\"uagb-heading-text\"><strong>Second step<\/strong>: calculation of the sum of first trimester premium P<sub>1<\/sub> (where 0.125% is the rate of trimester premium)<\/h5><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-5cc4b46a\"><p class=\"uagb-heading-text\">A \u00d7 0.125 \u00f7 100 = P<sub>1&nbsp;<\/sub>(lek\u00eb)<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-6eadbc89\"><p class=\"uagb-heading-text\">Ky prim paguhet brenda dat\u00ebs 15 janar.<br>P\u00ebrllogaritja e shum\u00ebs t\u00eb depozitave t\u00eb siguruara kryhet n\u00eb p\u00ebrputhje me aneksin 11 \u201c Vler\u00ebsimi i shum\u00ebs s\u00eb depozitave t\u00eb siguruara \u201d t\u00eb Udhezimit \u201cP\u00ebr sigurimin e depozitave n\u00eb banka\u201d, t\u00eb cilin e gjeni n\u00eb seksionin Baza Ligjore .<br>Vler\u00ebsimi i shum\u00ebs s\u00eb depozitave t\u00eb siguruara<br>Banka, n\u00eb vler\u00ebsimin e shum\u00ebs s\u00eb depozitave t\u00eb siguruara, p\u00ebrcakton depozitat e individ\u00ebve q\u00eb jan\u00eb subjekt i skem\u00ebs, n\u00eb p\u00ebrputhje me nenin 3 \u201cP\u00ebrkufizime\u201d pika 13, 14, 15, nenet 26, 31 32 dhe 33 pika 1, shkronja \u201ca\u201d t\u00eb ligjit.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-5536ccf2\"><h5 class=\"uagb-heading-text\">First case:<\/h5><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-37e9fe58\"><p class=\"uagb-heading-text\">Depozituesi ka vet\u00ebm nj\u00eb depozit\u00eb individuale n\u00eb lek\u00eb:<br>N\u00eb qoft\u00eb se kjo depozit\u00eb \u00ebsht\u00eb m\u00eb e vog\u00ebl, se 2 500 000 (dy milion e pes\u00ebqind mij\u00eb) lek\u00eb, ajo sigurohet e plot\u00eb (p\u00ebrfshihet interesi ditor i llogaritur n\u00eb dit\u00ebn e vler\u00ebsimit t\u00eb primit);<br>n\u00eb qoft\u00eb se \u00ebsht\u00eb m\u00eb e madhe se 2 500 000 (dy milion e pes\u00ebqind mij\u00eb) lek\u00eb, sigurohet pjesa deri n\u00eb nivelin 2 500 000 (dy milion e pes\u00ebqind mij\u00eb) lek\u00eb.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-0b2d990d\"><p class=\"uagb-heading-text\"><br>Depozituesi ka disa depozita individuale, t\u00eb cilat jan\u00eb n\u00eb lek\u00eb dhe n\u00eb monedh\u00eb t\u00eb huaj. Depozitat n\u00eb monedh\u00eb t\u00eb huaj konvertohen n\u00eb lek\u00eb sipas kursit zyrtar t\u00eb Autoritetit Mbik\u00ebqyr\u00ebs n\u00eb dit\u00ebn e vler\u00ebsimit, dhe m\u00eb pas t\u00eb gjitha depozitat agregohen. Shuma e gjetur nga agregimi, krahasohet me nivelin 2 500 000 (dy milion e pes\u00ebqind mij\u00eb) lek\u00eb dhe sigurohet pjesa e depozit\u00ebs deri n\u00eb nivelin e mbulimit.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-5add46c5\"><p class=\"uagb-heading-text\"><br>Depozituesi ka disa depozita individuale dhe nj\u00eb ose m\u00eb shum\u00eb depozita t\u00eb p\u00ebrbashk\u00ebta me t\u00eb drejta t\u00eb plota. N\u00eb k\u00ebt\u00eb rast bashkohen t\u00eb gjitha depozitat individuale duke shtuar edhe pjes\u00ebn koresponduese t\u00eb depozit\u00ebs t\u00eb p\u00ebrbashk\u00ebt, e cila ndahet n\u00eb pjes\u00eb t\u00eb barabarta midis titullar\u00ebve t\u00eb saj, p\u00ebrve\u00e7 rasteve kur p\u00ebrcaktohet ndryshe n\u00eb kushtet e vendosjes s\u00eb depozit\u00ebs.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-492992cb\"><p class=\"uagb-heading-text\">P\u00ebr konkretizim, n\u00eb rast se nj\u00eb depozitues ka nj\u00eb depozit\u00eb t\u00eb p\u00ebrbashk\u00ebt me nj\u00eb t\u00eb af\u00ebrmin e tij, nj\u00eb depozit\u00eb individuale dhe nj\u00eb tjet\u00ebr t\u00eb p\u00ebrbashk\u00ebt me dy persona t\u00eb tjer\u00eb ose m\u00eb shum\u00eb, at\u00ebher\u00eb ky depozitues \u00ebsht\u00eb disponues i gjysm\u00ebs s\u00eb shum\u00ebs s\u00eb depozit\u00ebs q\u00eb ka me t\u00eb af\u00ebrmin e tij, i depozit\u00ebs individuale dhe i nj\u00eb t\u00eb tret\u00ebs s\u00eb depozit\u00ebs s\u00eb p\u00ebrbashk\u00ebt me personat e tjer\u00eb, ato bashkohen dhe sigurohet pjesa deri n\u00eb 2 500 000 (dy milion\u00eb e pes\u00ebqind mij\u00eb) lek\u00eb.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-c7366561\"><h5 class=\"uagb-heading-text\">Second case:<\/h5><p class=\"uagb-desc-text\">A depositor possess a deposit as a guarantee for a third person. In this case, the right for insurance is recognized to the deposit titleholder. <br>If the depositor holds other deposits in the bank, these are congregated with the deposit placed as guarantee and the amount until ALL 2,500,000 is insured.<\/p><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-2c2f8e7d\"><h5 class=\"uagb-heading-text\">Third case:<\/h5><p class=\"uagb-desc-text\">Depositor holds a conditional placed deposit or for a defined time (deadline), to the benefit to a third person. The insurance right is recognized to deposit titleholder, until the completion of deadline, or the defined condition. Otherwise, the insurance belongs to the deposit beneficiary. In case of a deposit placed to the benefit of a third person, with no condition or deadline, the right of insurance goes to the last. In case of deposits placed in benefit to more than one third person, regulations anticipated on full \u2013 right jointed deposits are applied. In this case, congregation is first applied and the amount up to ALL 2,500,000 is insured afterward.    <\/p><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-2 asd-tabs\" aria-labelledby=\"uagb-tabs__tab2\">\n<div class=\"wp-block-uagb-separator uagb-block-b6e8c0df is-style-wide\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<p>The data collecting and reporting information system, aims at centralizing the electronic information reported to DIA by the banks, calculating each bank\u2019s annual premium and carrying out rapid and efficient compensation in case of a bank resolution. This project was funded by an EBRD grant and FSVC contribution through FDIC\u2019s high-level experts, who helped by compiling its terms of reference and performance evaluation. According to the project plan, the system design started on July 2013 and finished successfully on October 2014. Banks used it for the first time for premium calculations on October 2014.  <br>Key functions of the System<br>The information system of the Agency and data reporting from the banks operates in such a way as to ensure:<\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-004c580d\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-66e7d39c\"><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\">Gadishm\u00ebrin\u00eb e t\u00eb dh\u00ebnave n\u00eb \u00e7do koh\u00eb p\u00ebr identifikimin e depozituesit n\u00eb m\u00ebnyre unike n\u00eb sistem n\u00ebp\u00ebrmjet t\u00eb dh\u00ebnave personale t\u00eb nj\u00eb personi konkret, ku p\u00ebrcaktohet sakt\u00eb shuma q\u00eb banka i detyrohet k\u00ebtij depozituesi, t\u00eb cil\u00ebn edhe e siguron pran\u00eb Agjencis\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-eda46382\"><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\">P\u00ebrqendrimin e informacionit lidhur me depozitat dhe depozituesit, mbi baza individuale dhe\/ose t\u00eb agreguara.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-57d14674\"><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\">Vler\u00ebsimin e sakt\u00ebsis\u00eb s\u00eb t\u00eb dh\u00ebnave personale t\u00eb depozituesve n\u00eb regjistrat elektronik\u00eb t\u00eb subjekteve.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-27d2f7bb\"><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\">Vler\u00ebsimin e sakt\u00ebsis\u00eb t\u00eb p\u00ebrllogaritjes t\u00eb shum\u00ebs s\u00eb siguruar.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-4d382840\"><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\">Vler\u00ebsimin e sakt\u00ebsis\u00eb t\u00eb p\u00ebrllogaritjes t\u00eb primit periodik.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-644d905b\"><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\">Mund\u00ebsin\u00eb e qasjes s\u00eb menj\u00ebhershme tek t\u00eb dh\u00ebnat mbi depozitat dhe depozituesit p\u00ebr t\u00eb kryer vler\u00ebsimin e sakt\u00eb t\u00eb shum\u00ebs s\u00eb kompensimit n\u00eb rast simulimi ose ngjarjeje sigurimi.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-5cba828b\"><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\">P\u00ebrmbushja e kushteve dhe parametrave t\u00eb raportimit edhe nga pal\u00ebt e treta t\u00eb cilat u ofrojn\u00eb sh\u00ebrbime bankave an\u00ebtare p\u00ebr p\u00ebrmbushjen e k\u00ebrkesave t\u00eb k\u00ebtij udh\u00ebzimi dhe n\u00eb zbatim t\u00eb ligjit p\u00ebr sigurimin e depozitave.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c34f5137\"><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\">P\u00ebrdorimin dhe\/ose publikimin e informacioni nga Agjencia p\u00ebr q\u00ebllime studimore dhe vler\u00ebsimit dhe administrimit t\u00eb rrezikut t\u00eb sigurimit t\u00eb depozitave.<\/span><\/div>\n<\/div><\/div>\n\n\n\n<p>Rules for Electronic Reports<br>For the purpose of calculation of insured amount, every bank uploads the following data files within first 10 days of the next month:<\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-af6451b9\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-42e3e939\"><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\">Depozitat \u2013 t\u00eb dh\u00ebnat e llogarive t\u00eb lidhura me depozitat individuale n\u00eb bank\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-88dff35d\"><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\">Depozituesit \u2013 t\u00eb dh\u00ebnat e detajuara t\u00eb depozituesit q\u00eb e identifikojn\u00eb sakt\u00ebsisht at\u00eb.<\/span><\/div>\n<\/div><\/div>\n\n\n\n<p>For each quarter in the first 10 days of the following month, the bank reports in the Agency the calculated prime for each depositor and uploads the corresponding file in the system.<\/p>\n\n\n\n<p>In case of compensation process or simulation, the bank will be asked to upload daily files with the following data:<\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-530e8486\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-f88237eb\"><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\">Depozitat \u2013 t\u00eb dh\u00ebnat e llogarive t\u00eb lidhura me \u00e7do depozit\u00eb individuale n\u00eb bank\u00eb.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-784c1f47\"><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\">Depozituesit \u2013 t\u00eb dh\u00ebnat e detajuara t\u00eb depozitues\u00ebve q\u00eb i identifikojn\u00eb ata sakt\u00ebsisht.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-9ef6b5d5\"><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\">Kredit\u00eb \u2013 Kredit\u00eb e detajuara t\u00eb lidhura me depozitat q\u00eb jan\u00eb v\u00ebn\u00eb si garanci p\u00ebr k\u00ebto kredi.<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b9a657ef\"><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\">Pozicioni i netuar i depozitues\u00ebve \u2013 depozituesit n\u00eb pozicionin e netimit.<\/span><\/div>\n<\/div><\/div>\n\n\n\n<p>Also, the Agency can ask the banks for reports for special and unpredictable reasons to fulfill its public objectives. <\/p>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-acaafe1c alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container mm_selection uagb-block-24c402ef\">\n<div class=\"wp-block-uagb-info-box uagb-block-b29f34a4 uagb-infobox__content-wrap  uagb-infobox_cta-type-all uagb-infobox-icon-left uagb-infobox-left uagb-infobox-stacked-tablet uagb-infobox-image-valign-top\"><a href=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Formulari-i-kerkeses-per-perdorues.pdf\" class=\"uagb-infobox-link-wrap uagb-infbox__link-to-all\" target=\"_self\" aria-label=\"Infobox Link\" rel=\"noopener noreferrer\" onclick=\"return true;\"><\/a><div class=\"uagb-ifb-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M88 304H80V256H88C101.3 256 112 266.7 112 280C112 293.3 101.3 304 88 304zM192 256H200C208.8 256 216 263.2 216 272V336C216 344.8 208.8 352 200 352H192V256zM224 0V128C224 145.7 238.3 160 256 160H384V448C384 483.3 355.3 512 320 512H64C28.65 512 0 483.3 0 448V64C0 28.65 28.65 0 64 0H224zM64 224C55.16 224 48 231.2 48 240V368C48 376.8 55.16 384 64 384C72.84 384 80 376.8 80 368V336H88C118.9 336 144 310.9 144 280C144 249.1 118.9 224 88 224H64zM160 368C160 376.8 167.2 384 176 384H200C226.5 384 248 362.5 248 336V272C248 245.5 226.5 224 200 224H176C167.2 224 160 231.2 160 240V368zM288 224C279.2 224 272 231.2 272 240V368C272 376.8 279.2 384 288 384C296.8 384 304 376.8 304 368V320H336C344.8 320 352 312.8 352 304C352 295.2 344.8 288 336 288H304V256H336C344.8 256 352 248.8 352 240C352 231.2 344.8 224 336 224H288zM256 0L384 128H256V0z\"><\/path><\/svg><\/div><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><h3 class=\"uagb-ifb-title\">Formulari i k\u00ebrkes\u00ebs p\u00ebr p\u00ebrdorues<\/h3><\/div><p class=\"uagb-ifb-desc\">Download!<\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container mm_selection uagb-block-1a021fdd\">\n<div class=\"wp-block-uagb-info-box uagb-block-ac49b9df uagb-infobox__content-wrap  uagb-infobox_cta-type-all uagb-infobox-icon-left uagb-infobox-left uagb-infobox-stacked-tablet uagb-infobox-image-valign-top\"><a href=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Udhezimi-i-ASD-per-Bankat-1.pdf\" class=\"uagb-infobox-link-wrap uagb-infbox__link-to-all\" target=\"_self\" aria-label=\"Infobox Link\" rel=\"noopener noreferrer\" onclick=\"return true;\"><\/a><div class=\"uagb-ifb-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M88 304H80V256H88C101.3 256 112 266.7 112 280C112 293.3 101.3 304 88 304zM192 256H200C208.8 256 216 263.2 216 272V336C216 344.8 208.8 352 200 352H192V256zM224 0V128C224 145.7 238.3 160 256 160H384V448C384 483.3 355.3 512 320 512H64C28.65 512 0 483.3 0 448V64C0 28.65 28.65 0 64 0H224zM64 224C55.16 224 48 231.2 48 240V368C48 376.8 55.16 384 64 384C72.84 384 80 376.8 80 368V336H88C118.9 336 144 310.9 144 280C144 249.1 118.9 224 88 224H64zM160 368C160 376.8 167.2 384 176 384H200C226.5 384 248 362.5 248 336V272C248 245.5 226.5 224 200 224H176C167.2 224 160 231.2 160 240V368zM288 224C279.2 224 272 231.2 272 240V368C272 376.8 279.2 384 288 384C296.8 384 304 376.8 304 368V320H336C344.8 320 352 312.8 352 304C352 295.2 344.8 288 336 288H304V256H336C344.8 256 352 248.8 352 240C352 231.2 344.8 224 336 224H288zM256 0L384 128H256V0z\"><\/path><\/svg><\/div><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><h3 class=\"uagb-ifb-title\">Udh\u00ebzimi p\u00ebr Sigurimin e Depozitave n\u00eb Banka<\/h3><\/div><p class=\"uagb-ifb-desc\">Download!<\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container mm_selection uagb-block-34470728\">\n<div class=\"wp-block-uagb-info-box uagb-block-cef9cf6d uagb-infobox__content-wrap  uagb-infobox_cta-type-all uagb-infobox-icon-left uagb-infobox-left uagb-infobox-stacked-tablet uagb-infobox-image-valign-top\"><a href=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Formati-i-skedarit-neto-te-klienteve.pdf\" class=\"uagb-infobox-link-wrap uagb-infbox__link-to-all\" target=\"_self\" aria-label=\"Infobox Link\" rel=\"noopener noreferrer\" onclick=\"return true;\"><\/a><div class=\"uagb-ifb-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M88 304H80V256H88C101.3 256 112 266.7 112 280C112 293.3 101.3 304 88 304zM192 256H200C208.8 256 216 263.2 216 272V336C216 344.8 208.8 352 200 352H192V256zM224 0V128C224 145.7 238.3 160 256 160H384V448C384 483.3 355.3 512 320 512H64C28.65 512 0 483.3 0 448V64C0 28.65 28.65 0 64 0H224zM64 224C55.16 224 48 231.2 48 240V368C48 376.8 55.16 384 64 384C72.84 384 80 376.8 80 368V336H88C118.9 336 144 310.9 144 280C144 249.1 118.9 224 88 224H64zM160 368C160 376.8 167.2 384 176 384H200C226.5 384 248 362.5 248 336V272C248 245.5 226.5 224 200 224H176C167.2 224 160 231.2 160 240V368zM288 224C279.2 224 272 231.2 272 240V368C272 376.8 279.2 384 288 384C296.8 384 304 376.8 304 368V320H336C344.8 320 352 312.8 352 304C352 295.2 344.8 288 336 288H304V256H336C344.8 256 352 248.8 352 240C352 231.2 344.8 224 336 224H288zM256 0L384 128H256V0z\"><\/path><\/svg><\/div><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><h3 class=\"uagb-ifb-title\">Formati i skedarit neto t\u00eb klient\u00ebve<\/h3><\/div><p class=\"uagb-ifb-desc\">Download!<\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><\/div><\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-3 asd-tabs\" aria-labelledby=\"uagb-tabs__tab3\">\n<div class=\"wp-block-uagb-separator uagb-block-8d75c0b7 is-style-wide\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-advanced-heading uagb-block-dbad681a\"><h4 class=\"uagb-heading-text\">The Agency carries out verification over all banks, at least one per year, on the following cases:<\/h4><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-023cc221\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-64bfc75b\"><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\">Sakt\u00ebsia e llogaritjes s\u00eb primit t\u00eb sigurimit\/metodologjia e p\u00ebrdorur nga banka<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-326ee149\"><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\">Gatishm\u00ebria e sistemit informatik t\u00eb bank\u00ebs\/paraqitje unike e depozituesit (scv)<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-8502f06e\"><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\">Sakt\u00ebsia e mbajtjes n\u00eb sistem t\u00eb t\u00eb dh\u00ebnave t\u00eb depozituesit dhe depozit\u00ebs<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-6e44d342\"><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\">Nd\u00ebrgjegj\u00ebsimi dhe informimi i publikut<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-1d8b1afb\"><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\">Njohurit\u00eb e punonj\u00ebsit t\u00eb bank\u00ebs p\u00ebr ligjin \u201cP\u00ebr sigurimin e depozitave\u201d<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ae4ffd30\"><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\">Raportet e kontrollit t\u00eb brendsh\u00ebm, me fokus zbatimi i k\u00ebrkesave t\u00eb ligjit \u201cP\u00ebr sigurimin e depozitave\u201d, etj..List item<\/span><\/div>\n<\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-tabs-child uagb-tabs__body-container uagb-inner-tab-4 asd-tabs\" aria-labelledby=\"uagb-tabs__tab4\">\n<div class=\"wp-block-uagb-separator uagb-block-d221fdb4 is-style-wide\"><div class=\"wp-block-uagb-separator__inner\" style=\"--my-background-image:\"><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-9ffee9bc alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container mm_selection uagb-block-bac3efe5\">\n<div class=\"wp-block-uagb-info-box uagb-block-e7b2bc9e uagb-infobox__content-wrap  uagb-infobox_cta-type-all uagb-infobox-icon-left uagb-infobox-left uagb-infobox-stacked-tablet uagb-infobox-image-valign-top\"><a href=\"https:\/\/asd.gov.al\/wp-content\/uploads\/2024\/03\/Material-trajnues-ASD-2017-Bankat.ppt\" class=\"uagb-infobox-link-wrap uagb-infbox__link-to-all\" target=\"_self\" aria-label=\"Infobox Link\" rel=\"noopener noreferrer\" onclick=\"return true;\"><\/a><div class=\"uagb-ifb-icon-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 384 512\"><path d=\"M88 304H80V256H88C101.3 256 112 266.7 112 280C112 293.3 101.3 304 88 304zM192 256H200C208.8 256 216 263.2 216 272V336C216 344.8 208.8 352 200 352H192V256zM224 0V128C224 145.7 238.3 160 256 160H384V448C384 483.3 355.3 512 320 512H64C28.65 512 0 483.3 0 448V64C0 28.65 28.65 0 64 0H224zM64 224C55.16 224 48 231.2 48 240V368C48 376.8 55.16 384 64 384C72.84 384 80 376.8 80 368V336H88C118.9 336 144 310.9 144 280C144 249.1 118.9 224 88 224H64zM160 368C160 376.8 167.2 384 176 384H200C226.5 384 248 362.5 248 336V272C248 245.5 226.5 224 200 224H176C167.2 224 160 231.2 160 240V368zM288 224C279.2 224 272 231.2 272 240V368C272 376.8 279.2 384 288 384C296.8 384 304 376.8 304 368V320H336C344.8 320 352 312.8 352 304C352 295.2 344.8 288 336 288H304V256H336C344.8 256 352 248.8 352 240C352 231.2 344.8 224 336 224H288zM256 0L384 128H256V0z\"><\/path><\/svg><\/div><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><h3 class=\"uagb-ifb-title\">Training documents and brochures for Banks<\/h3><\/div><p class=\"uagb-ifb-desc\">Download!<\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><\/div><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container mm_selection uagb-block-ba768a37\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-container mm_selection uagb-block-937073ec\"><\/div>\n\n\n\n<div class=\"wp-block-uagb-container mm_selection uagb-block-01b1e847\"><\/div>\n<\/div><\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div>\n<\/div><\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":7302,"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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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-9961","page","type-page","status-publish","hentry"],"acf":[],"spectra_custom_meta":{"adv-header-id-meta":[""],"stick-header-meta":[""],"site-post-title":["disabled"],"theme-transparent-header-meta":[""],"_last_translation_edit_mode":["native-editor"],"_wp_page_template":[""],"_edit_lock":["1721043754:1"],"_edit_last":["1"],"_wpml_media_has_media":["1"],"_wpml_media_duplicate":["1"],"_wpml_media_featured":["1"],"_uag_page_assets":["a:9:{s:3:\"css\";s:182826:\".wp-block-uagb-container.uagb-block-907ea79e .uagb-container__shape-top svg{width: calc( 100% + 1.3px );}.wp-block-uagb-container.uagb-block-907ea79e .uagb-container__shape.uagb-container__shape-top .uagb-container__shape-fill{fill: rgba(51,51,51,1);}.wp-block-uagb-container.uagb-block-907ea79e 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