Which deposits are not insured?

Exclusions are following:  

1. members of a bank’s management and supervisory boards, special management of banks in which they have been exercising their functions, and related persons;
2. shareholders being entitled to more than 5% of voting shares in the equity capital and related persons;
3. non-nominative deposits;
4. deposits lodged under significantly preferential condition in comparison to common terms and conditions announced by the bank and those deposited under such financial terms which have contributed to deterioration of the bank’s financial condition, whereby the Agency shall have right to prescribe criteria for application of this provision.
5. Deposits arising out of or being related to transactions and/or actions constituting money laundering pursuant to the Law on Money Laundering, subject to the decision of the relevant authorities;
6. Deposits in credit unions.