About Tinkoff Bank
Tinkoff is an online provider of retail financial services with over 5mln customers across Russia. Leveraging its high-tech proprietary online platform, Tinkoff has no branches and acquires and services its customers via online channels and its call centre. The bank was founded in 2006 by a Russian entrepreneur Oleg Tinkov.

The bank’s product range includes daily banking (credit and debit cards, payments, money transfers), savings, investments, loyalty programmes, travel services, SME services, mortgage platform, and insurance. With its special focus on mobile business, the bank offers mobile applications both for its customer base (Mobile Bank) and beyond it (Traffic Fines, MoneyTalk, Card 2 Card instant money transfers).

Tinkoff is transitioning to become an online financial marketplace, Tinkoff.ru, which offers an entire range of both own brand and partner retail financial services via mobile and desktop.

As at 1 January 2017, the bank was the second largest player in the Russian credit card market, with a market share of 10.3%. The FY2016 IFRS net income of the parent company, TCS Group Holding PLC, which includes Tinkoff Bank and the insurance company Tinkoff Insurance, amounted to RUB 11 bn, ROE stood at 43%.

Banki.ru, Russia’s largest financial news portal, named Tinkoff Bank the Bank of the Year 2016. In October 2016 Tinkoff Bank was named the largest independent global direct bank by Frost & Sullivan. In 2016 and 2015, the Global Finance magazine named Tinkoff Bank as the Best Consumer Digital Bank in Russia. In 2016, the bank also won Global Finance’s Best Integrated Consumer Bank Site award. In 2016, Tinkoff Bank was named the Best Digital Bank in the CEE by Euromoney. Its mobile application was recognised as the best in Russia by Markswebb Rank & Report in 2014, 2015 and 2016, and by Deloitte for four years in a row in 2013–2016.

Tinkoff Bank is a member of the deposit insurance system (the system guarantees each depositor of member banks a payout of RUB 1.4 mln on deposits and current accounts, including interest income).

Tinkoff Bank is a part of TCS Group Holding PLC, which is owned by Oleg Tinkov (majority shareholder) and Vostok Nafta, Goldman Sachs, Baring Vostok and Horizon Capital (minority shareholders).
Read more about Tinkoff Bank
TCS group
Our History
From the launch by Oleg Tinkov to becoming a leader in the online financial services market in Russia
TCS group
Strategy
Becoming an integrated retail financial services provider that offers convenient premium-quality service to its customers through a high-tech online platform
TCS group
Management Team
Strong entrepreneurial management team who have built the business from scratch