Loko bank hotline phone numbers. About the bank

CB Loko-Bank (JSC) is a universal commercial bank founded in 1994. Since 2006, the shareholders have included the international investment company East Capital. Participation in the capital of the bank by an international investor for more than 10 years helps maintain high standards of risk management and determines the quality of business processes and corporate governance. Annual figures demonstrate the constant dynamics of the bank’s business development.

Thanks to a full package of licenses and certificates, Loko-Bank provides a wide range of financial services. Among the areas of activity: comprehensive services for small and medium-sized businesses, consumer lending, raising funds for deposits, servicing wealthy clients and working in the securities market. Confident in its competencies, the bank aims to build long-term partnerships with its clients.

In 2016, Loko-Bank adopted an updated strategy and began a process of deep transformation of business processes, which ensured the bank’s transition to a digital model focused on remote customer service. Also, as part of the strategy, Loko-Bank adopted an investment plan to develop IT infrastructure. The ultimate goal is to modernize the bank in the medium term into the format of an IT company, creating a range of products available in digital channels.

Created in 1994, LocoBank is a universal commercial financial and credit organization that provides its clients with a full range of modern products and services. Today the company is one of the hundred best banks in Russia and ranks 72nd there. Customer service is provided in 50 branches in 21 regions of the country, as well as through an information and technical support service.

Loko-Bank support service: how it can help clients

You can contact the bank's support consultants in any convenient way to perform the following operations:

Blocking a lost card;
Changing the user's personal information in the system;
Consultation on the use of online services;
Disabling or activating additional services;
Applying for a loan or opening a deposit;
Providing feedback on the quality of customer service and on any other issues related to banking products;
Obtaining information about the location of offices and ATMs;
Obtaining information about the current loan balance, as well as the date and amount of its repayment;
Obtaining detailed information about all banking products and services;
Obtaining information about the latest transactions;
Clarification of the balance of cards, accounts and deposits.

How to contact LocoBank support service

There are several alternative channels of communication with bank information center employees:

Official communities of the bank in popular social networks;

Postal details for sending written applications;

LocoBank head office address: 125167, Moscow, Leningradsky Prospekt, building 39, building 80

24-hour hotline telephone numbers;
Form for calling back and sending messages on the website;
Email for receiving applications submitted by clients in free form.

How to call Loko-Bank

To contact support center staff, you can use the following contacts:

Free bank hotline number 8-800-250-50-50 for calls around the clock from landline or mobile phones in the country;
International format number +7-495-739-55-55 for calls during business hours from landline phones in Russia or from abroad at the rates of your telecom operator.

Online communication with LocoBank support service

If you are unable to make a call to all of the above numbers, use the callback request form:

Open the LocoBank website and on the top panel follow the call back link (see screenshot above).
Fill out all fields with accurate information - indicate your name, phone number and priority time for a specialist to call.
Enter the code from the image.
Submit your application and expect a call during business hours.

You can also leave a request via the feedback form:

Follow the link to write a review on the bank's website (see screenshot).
In the text field, describe your problem in as much detail as possible.
Enter your full name, company, position, phone and email.
Enter the code from the picture.
Submit your application.

All requests sent in this way are immediately submitted to LocoBank support service specialists for consideration. After your issue is resolved, an authorized consultant will contact you at the contacts specified in the review. Often, responses to such requests are received within 1-2 days after sending.

Loko-Bank was founded in 1994 as a limited liability company by a group of businessmen to service industrial and commercial enterprises they own, as well as to provide services to VIP clients - owners and top managers of these companies. In 2003, a new strategic direction of the bank’s activities was determined - lending to small and medium-sized businesses, which later became the main target segment of the financial institution. In 2005, Loko-Bank was transformed into a closed joint-stock company, and in 2007 it began to develop a retail product line. Since 2012, the bank has been closely cooperating with SME Bank in the field of supporting small and medium-sized businesses. In the deposit insurance system since October 2004.

In the spring of 2006, the International Finance Corporation acquired a 15% stake in Loko-Bank, and in the summer of the same year, the Scandinavian investment fund East Capital* bought another 11% stake. The founders of the bank - Vladimir and Victor Davydiki, Stanislav Boguslavsky, Alexander Zayonts and Andrey Kulikov - carried out significant preparatory work to find and attract investors for their credit institution.

In the first half of 2016, the International Finance Corporation (IFC Corporation) withdrew from its shareholders. In its IFRS reporting, Loko-Bank explained that the basis for the shareholder’s exit was “the completion of the investment cycle, which averages 7-10 years.”

Currently, the main beneficiaries of the bank are the chairman of the board of directors Stanislav Boguslavsky and his daughter Yana Boguslavskaya (together 38.31% of shares in the authorized capital), members of the board of directors Mikhail Rabinovich (13.30%) and Vladimir Davydik (together with the share of his son Ilya Davydik - 9.99%), Nina Obukhova (9.88%). The East Capital investment fund (9.999%) acts as a portfolio investor. Another 9.99% of shares are on the bank’s balance sheet. The shares of other shareholders do not exceed 5%.

The bank's head office is located in Moscow, its sales network includes more than 50 branches in 22 regions of the Russian Federation. The average number of employees for the nine months of 2018 was 1,859 people (a year earlier - 1,607 people). Our own ATM network includes over 50 devices.

The bank's clients are more than 270 thousand individuals and over 30 thousand enterprises, to which the bank offers a wide range of services. Lends to large corporate borrowers, small and medium-sized businesses, and individuals. In addition to standard credit and deposit operations and settlement and cash services, the bank declares the implementation of leasing operations through the affiliated leasing company Concept Leasing LLC, safekeeping, trade and Internet acquiring, payroll projects, trade financing, foreign exchange transactions, issuance and servicing of Visa and bank cards MasterCard, Internet banking, money transfers (Western Union, Contact) and other services.

In January - November 2018, the bank's net assets decreased by 5.1%, amounting to 82.5 billion rubles as of December 1, 2018. During this period, the liabilities showed the repayment of almost 60% of the debt on attracted interbank loans, as well as a reduction in the volume of funds of enterprises and organizations (-16.7%). The decrease in these liability items was partially offset by an increase in equity capital (+7.1%) and deposits of individuals (+2.4%). In the structure of assets, there is a negative trend in all main items, especially in the corporate loan portfolio and the securities portfolio. At the same time, the bank quite noticeably increased its retail loan portfolio (by more than a third).

The structure of the bank’s liabilities is dominated by deposits from private clients - 58.1% as of December 1, 2018 (funds are predominantly raised for periods of more than one year); funds from corporate clients form 13.8% and are 64% represented by balances on current accounts; Another 3.8% of liabilities is occupied by attracted interbank loans (for short periods from Russian banks). The remaining part of liabilities is formed mainly by equity capital. Capital adequacy was 15.7% at the reporting date, almost twice the established regulatory minimum. The bank's corporate client base shows stable dynamics; turnover on client accounts in 2018 was in the range of 56-76 billion rubles.

The bulk of net assets falls on the loan portfolio (66.7%). Another 21.1% and 7.7% are investments in securities and highly liquid assets, respectively. Other assets, fixed assets and issued interbank loans in total form a share of 2.8% of the net assets of the credit institution.

The bank's loan portfolio is 84% represented by retail loans, predominantly long-term. At the beginning of 2018, the share of loans to individuals was 69.3%, but during the study period the retail portfolio grew by more than a third. The level of overdue debt since the beginning of 2018 has decreased from 7.0% to 5.1%. The level of provisioning for the portfolio also decreased slightly, however, as at the beginning of 2018, it exceeds 8% of the loan portfolio, fully covering the share of overdue loans. The loan portfolio is fully secured by property collateral - 117.2%, although at the beginning of 2018 the figure was 179.1%. According to IFRS reporting data as of September 30, 2018, the bank traditionally classifies the entire corporate loan portfolio as loans to small and medium-sized businesses. The industry structure of the SME portfolio is well diversified and includes such segments as real estate, construction, information services, trade, restaurant business, food production and many others.

The securities portfolio has shown a noticeable reduction since the beginning of 2018 (-27.8%) and, as of the reporting date, was entirely represented by bonds. The share of securities pledged under repo transactions has been declining in recent months and amounted to 13.8% as of the reporting date. The remaining part is represented mainly by OFZs, bonds of Russian corporate issuers and Eurobonds. It is worth paying attention to the fairly high intra-month turnover in the portfolio and the active use of securities in repo transactions, which indirectly indicates the high quality of the securities included in the portfolio and the bank’s speculative strategy in the market. However, turnover on repo transactions, as well as balances at reporting dates, have shown a decline in recent months.

The bank's investments in highly liquid assets have decreased by 14% since the beginning of 2018 and are mainly formed by balances on correspondent accounts with banks, the Central Bank and foreign counterparties.

The Bank has traditionally been active in the interbank lending market, acting in most cases as a net borrower and attracting liquidity from commercial banks for various periods (for REPO transactions). It should be noted that since the end of 2015, the credit institution has completely stopped raising funds from the regulator, although previously the bank gave preference to this particular instrument.

The bank demonstrates moderate activity in the Forex market; turnover on conversion operations is at the level of 10-70 billion rubles per month.

Based on the results of January - November 2018, the bank received a net profit of 1.04 billion rubles - one and a half times less than in the same period of the previous year.

Board of Directors: Stanislav Boguslavsky (chairman), Viktor Davydik, Vladimir Davydik, Hanna-Leena Loikkanen, Mikhail Rabinovich.

Governing body: Victor Davydik (chairman), Pavel Voznesensky, Tatyana Gerasimenko, Irina Grigorieva, Andrey Lyushin, Elena Portnyagina, Natalia Shibanova.

* East Capital is a company founded in 1997, specializing in investments in the financial sector of Eastern Europe and China, one of the largest foreign investors in the Russian stock market. The assets under management amount to €2.8 billion, both in publicly traded shares and in unquoted private companies. The company's head office is located in Stockholm, and regional offices are located in Hong Kong, Moscow, Oslo, Luxembourg, Tallinn and Dubai. Number of employees - 180 people, clients - 450 thousand (including 25 thousand direct clients). The key owners of the East Capital fund are five individuals: Kestutis Sasnauskas, Lars Hakansson, Karin Hearn, Albin Rosengren and Hans Greipenheisser.

The bank demonstrates moderate activity in the Forex market; turnover on conversion operations is at the level of 10-70 billion rubles per month.

Based on the results of January - November 2018, the bank received a net profit of 1.04 billion rubles - one and a half times less than in the same period of the previous year.

Board of Directors: Stanislav Boguslavsky (chairman), Viktor Davydik, Vladimir Davydik, Hanna-Leena Loikkanen, Mikhail Rabinovich.

Governing body: Victor Davydik (chairman), Pavel Voznesensky, Tatyana Gerasimenko, Irina Grigorieva, Andrey Lyushin, Elena Portnyagina, Natalia Shibanova.