The bank’s product range includes credit, debit and prepaid cards, deposits, co-branded cards, and agent-based mortgage products. 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).

The bank’s five-year strategy has the ambition of becoming a financial supermarket where customers can shop not only for our products, but also for those of our partners.

As at 1 November 2015, the bank was the second largest player in the Russian credit card market, with a market share of 7.7%. As at 1 December 2015, the bank issued over 5.4 m credit cards. The bank is well capitalised: its CBR N1 total capital ratio stood at 13% as at 1 December 2015.

The 9M 2015 IFRS net income of the parent company, TCS Group Holding PLC, which includes Tinkoff Bank and the insurance company Tinkoff Insurance, amounted to RUB 0.9 bn.

In 2013, The Banker magazine, the world’s premier banking and finance resource and Financial Times Group member, named Tinkoff Bank the Bank of the Year and the most profitable bank in Russia. In 2015, Global Finance magazine and Banki.ru portal presented Tinkoff Bank with the Best Internet Retail Bank in Russia award. In 2014 and 2013, Tinkoff mobile bank app was recognised the best by Deloitte, and in 2014, the internet bank of Tinkoff Bank was deemed the most effective in Russia by Markswebb Rank & Report agency. 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).