LOCKO-Bank is a universal medium-sized independent commercial bank with the participation of the reputable foreign investors in its share capital - IFC, Washington D.C. and East Capital group, Stockholm. The Bank was found in 1994. LOCKO-Bank is in Top-100 banks in Russia (70th by Assets and 63rd by Net profit) as of January 1, 2014. Total assets grew by 11% reaching RUB 79.7 billion in 2013. Net income increased by 17% to RUB 1.5 billion, the Bank’s equity amounted to RUB 10.4 billion in 2013, up 24% year-on-year. LOCKO-Bank is in Top largest SME lending Russian banks (Top-6 SME lending bank according to Expert RA), 13th in the largest Russian banks auto lending ranking. The bank’s reliability is confirmed by international rating agencies - Moody's Investors Service and Fitch Ratings. LOCKO-Bank is in Top-13 the most reliable Russian banks rating as of October 1, 2013. The Bank is a member of the Deposit Insurance System for over 10 years. LOCKO-Bank’s key business areas are SME and retail lending. The Bank has an extensive branch network that includes more than 60 offices in 21 regions of Russia. LOCKO-Bank’s customers are more than 95,000 individuals and 23,000 enterprises representing dozens of industries of the Russian economy.