Tinkoff's strategic goal is...

... to become an integrated retail financial services provider that offers convenient premium-quality service convenience to its customers through a high-tech online platform, while maintaining high growth rates, profitability and effective data-driven risk management.

We aim to achieve this by:

  • Maintaining emphasis on further developing the high-growth credit card offering and other products for the consumer lending market
  • Developing and launching transactional and payment products to acquire new customers and retain existing customers
  • Selling or cross-selling other financial and non-financial products
  • Maintaining leadership in customer service
  • Continuing to support business expansion by using advanced IT systems
  • Effectively managing credit risk in reliance on sophisticated data analysis and modelling
  • Further improving cost-efficiency of Tinkoff's operations