From TCS Group Holding PLC
TCS Group Holding PLC is an innovative provider of online retail financial services. It includes
Tinkoff Bank, mobile virtual network operator Tinkoff Mobile, Tinkoff Insurance, management
company Tinkoff Capital, Tinkoff Software DC, a network of development hubs in major
Russian cities, and Tinkoff Education. The Group is currently developing Tinkoff ecosystem,
which offers financial and lifestyle services.
The Group was founded in 2006 by Russian entrepreneur Oleg Tinkov and has been listed on
the London Stock Exchange since October 2013.
The Group's key business is Tinkoff Bank, a fully online bank that serves around
10 mn customers and forms the core of the Tinkoff ecosystem.
Tinkoff Bank is the second largest player in the Russian credit card market, with a share of
13.5%. The 2Q 2020 IFRS net income of TCS Group Holding PLC amounted to RUB 10.2 bn.
The ROE was 40.0%.
With no branches, the Group serves all its customers remotely via online channels and a cloudbased call centre. The centre is staffed by over 10,000 employees, making it one of the largest
in Europe. To ensure smooth delivery of the Group's products, the Group has a nationwide
network of over 2,500 representatives.
In 2018, Global Finance named Tinkoff Bank the world's Best Consumer Digital Bank, and in
2019, 2018, 2016 and 2015, the Best Consumer Digital Bank in Russia. In 2017 and 2013, the
Banker recognised Tinkoff Bank as the Bank of the Year in Russia. The bank's mobile app has
been consistently praised by local and global independent experts as the best of its kind (in
2013, 2014, 2015, 2016 by Deloitte and in 2018 by Global Finance).