LOCKO-Bank is a rapidly developing financial institution aiming at further expansion of its business relations with existing and potential investors both on domestic and foreign markets. The Bank has a very clear and transparent business and discloses exhaustive information in order to secure investors’ confidence and comfort.

Investment Highlights

• Universal commercial bank independent from financial and industrial groups
• Diversified shareholding structure, including IFC (15%) and East Capital (11%)
• Strategy focused on servicing SMEs
• Selective regional expansion strategy
• High standard risk management and strict control over the asset quality
• Established borrowing relationships with international financial organizations, including EBRD, IFC, KfW
• Strong capitalization – CAR at 19% as at 01.04. 2010
• Strong focus on corporate governance:
  • Independent Executive Board of the Bank
  • Representatives of IFC and East Capital are on the Board of Directors
  • “A leading Bank in corporate governance in Central and Eastern Europe 2008” award by Euromoney magazine
• Audited by KPMG since 2000
• Rated ‘B+’ by Fitch Ratings and ‘B2’ by Moody’s