Founded in 1994, Locko-Bank is a universal commercial bank operating across multiple regions in the Russian Federation. The bank focuses on serving retail customers and small to medium-sized enterprises (SMEs), with a strong market position in segments like auto loans and SME lending. As a member of Russia's mandatory deposit insurance system, Locko-Bank aims to be a reliable and modern financial partner by offering a comprehensive suite of banking products, including deposits, loans, credit cards, and cash management services.