In line with law on deposit insurance and international best practice, the following are categories are excluded from deposit insurance system i.e. they are not eligible for compensation in case of a license revocation and bank closure:

• Deposits of unidentified accounts
• Deposits related to money laundering and terrorism financing
• Deposits of directors and senior managers of the banks, as well as deposits of their families and other related parties
• Deposits of natural persons with direct participation in the bank capital or voting rights arising from at least five percent (5%) share in the bank capital, their families and related parties
• Deposits of legal persons and the shareholders of such legal persons with majority votes of fifty percent (50%) or more in the bank capital or voting rights arising from at least five percent (5%) share in the bank capital, their families and related parties, as applicable.
• Persons in charge for performing the external audit of the institution’s financial statements over the past three years before the initiation of the liquidation proceedings.
• Deposits of banks and financial institutions
• Deposits of insurance companies and collective investment undertakings
• Deposits of pension and retirement funds
• Deposits of local and central government and administrative authorities
• Deposits kept at branches of Kosovan banks that operate outside the country