World’s largest fully online bank by customer base

Tinkoff is the world’s largest fully online bank with around 8 mln customers across Russia. The Tinkoff financial ecosystem offers a full range of financial and lifestyle services for individuals and businesses via its mobile app and web interface.

Customer-centric ecosystem

  • Daily banking services
  • Savings and investments
  • Mortgage platform
  • Business services
  • Family banking
  • Entertainment and lifestyle
  • Insurance
  • Travel
  • Virtual mobile operator
  • Financial literacy
  • Education

Fully online

  • Over 2,100 cities and towns covered by a network of 2,500 smart couriers, enabling next day delivery
  • 26,000 deliveries per day
  • Over 2 mln applications per month across all products
  • Over 10,000 operators in the largest cloud-based Call Centre in Europe.

Fintech leader

  • IT company by nature: 70% of HQ employees are IT specialists
  • 10 regional development hubs and a cloud development hub
  • Mobile first approach: Tinkoff mobile apps have consistently been ranked No. 1 in Russia
  • Advanced biometric authentication for enhanced comfort and safety of our customers
  • The first in Russia to offer voice and face recognition
  • 100% of incoming messages are processed by robots, while 20% of calls are handled without human operators
  • First bank in the world to introduce a Stories feature to its mobile app. Since launch, average CTR has jumped to 30% and average session duration has increased by 70%
  • Licenced broker. One in three accounts on the Moscow Exchange is opened using Tinkoff Investments
  • Most business processes in the Bank are powered by machine learning and AI: from acquiring customers to day-to-day customer servicing and retention
  • The Bank owns a network of smart ATMs supporting contactless payments, cash withdrawal using QR codes, and face recognition
  • 77% of all offline payments are contactless (No. 1 in Russia)

Transparent business delivering superior profitability

  • Listed on London Stock Exchange since October 2013
  • High credit ratings: Fitch: BB-, positive outlook; Moody’s: Ba3, stable outlook; ACRA: A(RU), stable outlook; RAEX (expert RA): ruA, stable outlook
  • Second largest Russian credit card issuer, with 11.8% market share
  • Diversified business model with 30% of income from non-credit business lines
  • One of the most profitable banks in the world with ROE of 74.7% (2018)
  • Generous dividend payout policy