Loko-Bank (the reviews of which we plan to describe in this article) is a universal commercial organization. It is she who is in the TOP-100 of the best Russian banks in terms of assets. Its reliability has been repeatedly confirmed by domestic and international organizations Fitch Ratings and Moody's Investors Service. Currently, the bank is in the TOP-20 reliability rating according to the National Rating Agency. We talk more about Loko-Bank and its reputation among the inhabitants of Russia further.
Brief historical information about the bank
Loko-Bank (reviews of it can be heard with completely different contents) is a private organization created in 1994 by several successful businessmen. Initially, the main objective of the company was to provide the necessary services to trade and industrial enterprises, as well as top managers and owners belonging to this group of entrepreneurs.
In other words, since its inception, this financial institution has been obliged to solve all the monetary problems arising from the owners of "factories, newspapers and ships", their partners and VIP clients.
Change of course and the formation of a new financial policy
In early 2003, there was a sharp change in the financial and marketing policies of such an organization as Loko-Bank. Feedback on the new management strategy of the credit institution allows you to restore the full picture of the change in rate. For example, some clients write that after 2003 they managed to get a loan to develop their business. Others confidently report earned interest received after the next capitalization of deposits, etc.
As you can see, after 9 years, the management of Loko-Bank has dramatically changed its policy. Neglecting their initial interests, the company decided to expand the number of potential customers. To this end, she has developed a number of programs aimed at attracting the attention of individuals and legal entities. This time, the main business of the financial organization was lending to small and medium-sized businesses.
Closer to 2007, a loan at Loko-Bank could be taken not only by individual entrepreneurs and legal entities, but also by ordinary citizens. What services does the bank provide today? And what is modern Loko-Bank like?
Loko-Bank now
At present, the bank has an impressive retail network with about 50 offices and branches. All of them are located in 21 regions of the Russian Federation. According to official figures, among the organization’s customers there are over 120,000 individuals, as well as about 25,000 legal entities. All of them have already managed to use the services of the financial institution Loko-Bank. Moscow is the city where the head office of the bank is located. It is here that all individuals, corporate clients, as well as representatives of small and medium-sized businesses can enlist the qualified support of the organization’s employees. The company’s office itself can be found at 14. Hospitalnaya Street, 14. In addition to it, there are 14 branches and the same number of ATMs in the capital. One of these offices is located near the Babushkinskaya metro station, on 38 Menzhinsky Street, Building 1, Building 2.
There is a bank branch in Yekaterinburg. It is located on Lenin Street, 38 / a. In Arkhangelsk, Volgograd, Irkutsk there are also branches of the commercial organization Loko-Bank. St. Petersburg is another major Russian city where four ATMs and branches are located at once. For example, one of the representative offices of a financial organization is located near the Moskovskaya metro station (in the vicinity of the Pyramid Business Center), on Constitution Square, 3, lit. A.
There are two branches and an ATM in Ufa. One of the branches can be seen on Lenin Street, 44/46, and the second - on Parkhomenko, 156/3. In Novosibirsk, there is only one operating branch located on Lenin Street 52, 1st floor. It is located near the metro station Garina-Mikhailovsky Square.
Samara residents can also come to one of the thirteen representative offices of Loko-Bank. The addresses of the nearest branches can be found by going to the official lockobank.ru website and clicking on the “branches and ATMs” section.
What services can Loko-Bank offer to individuals?
Among the services offered to private individuals, the following can be distinguished:
- cash loans;
- car loans;
- mortgage loans;
- obtaining information about credit history at the request of the borrower;
- issuing debit and credit cards;
- insurance;
- money transfers, including urgent ones;
- rent of bank cells and safes.
In addition, Loko-Bank offers deposits in national and foreign currencies. Also, this financial institution provides monetary compensation to depositors of OA "Bank for Development of Technologies."
Deposit programs from Loko-Bank
Among the bank's deposit programs, the following can be distinguished:
- "Income strategy";
- "Golden autumn";
- "Simple control";
- "Good interest."
All of them are issued both in domestic and foreign currency for a period of up to 300-400 days. The interest rate varies depending on the deposit program and amounts to 1-12% per annum. The minimum amount in rubles is from 10,000 to 100,000 rubles, and in currency - $ 200-300.
Loan programs from Loko-Bank
Each of the bank's customers can get a cash loan here. For example, a car loan at Loko-Bank can really be obtained for a period of up to 7 years. The rate in this case will be from 7.4% per annum. Cash loans are issued for a similar period. That's just the rate in this case starts from 15.4% per annum. Mortgage loans in this bank are issued at 14.5% per annum for up to 25 years.
Services for large and small entrepreneurs
Representatives of the business at Loko-Bank are immensely pleased. It is businessmen who have always been the most desirable clients for this credit organization. Therefore, she regularly works on updating existing programs and service packages that would be of interest to entrepreneurs. For example, owners of small and large enterprises can get various kinds of loans here (including tender), make a profitable contribution, and also connect to a salary project and a system of trading or Internet acquiring.
In addition, entrepreneurs can take advantage of a modern cash settlement service and, for example, open an account in just one minute. These are the services that Loko-Bank offers businessmen. Hotline phone: 8 (800) 250-50-50.
What does the bank offer to corporate clients?
If you believe the many reviews, then among the huge variety of services for corporate clients, the following can be distinguished:
- settlement and cash services;
- placement of free financial resources (deposits and investments);
- registration of loans;
- legitimization of machinery and equipment under a leasing agreement;
- fulfillment of trade financing;
- assistance in obtaining a customs card;
- currency exchange operations;
- connection of mobile banking;
- connection of trading and Internet acquiring, etc.
In addition, the bank operates the so-called currency control, which allows performing secure foreign exchange transactions (only through licensed cash providers). Most corporate customers can easily order all these services by contacting Loko-Bank. You will see reviews about this organization below.
What do people say about the service at Loko Bank?
About Loko-Bank you can hear a lot of reviews and comments, most of which are instructive. For example, according to one of the clients who decided to take a loan from this bank, he was pleased with the low interest on the loan and the loyal attitude of the staff. For certain reasons, he was unable to pay the loan, and the company's managers quickly found a way out, drawing up a new payment schedule with the optimal amount for him. Such a review was written by a customer of Loko-Bank. St. Petersburg is a city where he, in fact, took a bank loan.
Other customers liked the terms of the deposit. They are happy to report the successful receipt of the promised remuneration and plan to extend the deposit period.
Some customers, on the contrary, describe their negative experience with Loko-Bank. So, among such comments there are a lot of those who talk about poor-quality service.
According to their story, it becomes clear that they were not given due attention, rude or misled due to a misunderstanding. However, there are plenty of advantages from such comments. For example, with their help, representatives of the organization can control the level of service in each of their departments. They promptly take measures and monitor the quality of customer service at Loko-Bank. Nizhny Novgorod is one of the cities where the bank conducted an internal investigation regarding the employees of the company. It is noteworthy that the reason for the trial was several dozen angry responses from customers who were outraged by the unlawful treatment of the department employees.
What are the advantages of contacting Loko-Bank?
According to many customers, this financial institution has a lot of advantages. For example, loan conditions for each client are selected individually. When choosing a deposit program, a quick calculation of future profits is possible. And for regular customers, the bank renders a variety of honors in the form of raffles of valuable prizes and promotions, accumulative bonus programs, as well as preferences when applying for loans and activating other services.
An undoubted plus is the availability of Internet services. For example, individuals can use the services of an online bank or connect a modern mobile application. Entrepreneurs, on the other hand, have the right to use similar services, as well as open accounts online and perform various payment transactions using their personal account (under bank guarantees).
In a word, when contacting the representatives of this bank, entrepreneurs and private individuals will easily select exactly the service that they most need.