Online financial ecosystem centred around the needs of its customers
The Tinkoff financial ecosystem offers a full range of financial and lifestyle services for individuals and businesses via its mobile app and web interface. At the core of the ecosystem is Tinkoff Bank, one of the world’s biggest online banks with over 18 million customers.
Customer-centric ecosystem
- Daily banking services
- Savings and investments
- Real estate
- Business services
- Family banking
- Entertainment and lifestyle
- Insurance
- Travel
- Virtual mobile operator
- Financial literacy
- Education
- Transport
Fully online
- Over 25,000 cities and towns covered by the «smart courier» network
- 40,000 deliveries per day
- Over 4 mln applications per month across all products
- 19 development hubs
- Next day delivery
Leading fintech innovator in Russia
- IT company by nature: 80% of HQ employees are IT specialists
- 14,000 employees, average age — 26 years
- Focus on lifestyle banking
- Priority development of the mobile platform
- Machine learning and AI deployed in business processes as part of the AI First strategy
- The world’s first voice assistant for financial and lifestyle services called Oleg
- Advanced biometric authentication for better comfort and safety of our customers
- Russia’s first super-app featuring products and services from Tinkoff and our partners
- Fast-growing licensed brokerage business: Tinkoff Investments is Russia’s largest broker by number of active customers on Moscow Exchange (MoEx)
- Russia’s first metal contactless cards
Transparent business delivering superior profitability
- Listed on London Stock Exchange since October 2013
- High credit ratings: Fitch: BB+, stable outlook; Moody’s: Ba2, positve outlook; ACRA: A (RU), stable outlook; RAEX (expert RA): ruA+, positive outlook
- Second largest Russian credit card issuer, with 13,5% market share
- One of the most profitable banks in the world with ROE of 42.6% (3Q’21)
- Generous dividend payout policy
Awards