Tinkoff Bank is the first such organization to be independent from an office or central headquarters. Any interaction with a client, be it a money transfer or account replenishment, takes place online.
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The institution was opened about twenty years ago and was called then as Himmashbank. Ten years ago, he began to participate in the insurance system for customer cash injections, and a year later he was bought by a large businessman Oleg Tinkov. The organization was named after the name of the new owner. A key area of activity was community outreach, which they successfully began to carry out from the earliest years of development.

Eight years ago, the full-fledged development of the bank began, it was then that large foreign companies became interested in it. International funds, Swedish organizations and others willingly became co-owners of the company and replenished the banks capital with their cash injections. In 2012, the capital of the organization was replenished with investments of one well-known international fund in the amount of $ 50 million. In the autumn of the same year, the fund of the association Horizon Capital, specializing in sponsoring institutions with an average capitalization and strong development potential, joined the banks capital.

The banks potential was already huge then, and even more so today. In just a relatively short period of time, this financial institution has increased its value tenfold.
Two years ago, Tinkoff Bank made an initial public offering (IPO), which resulted in about one billion dollars on the London Stock Exchange. Investors were offered not only shares of the formed banks package, but also additional issued shares. The capital of the institution increased, but at the same time the share of Oleg Tinkov decreased (from 60.5% to 50.8%).
At the end of the summer of 2014, an entry was made in the Unified State Register of Legal Entities about the opening of Phoenix LLC, a subsidiary of Tinkoff Bank. The banks share in it is 51%. The main activity of the organization is the provision of services for the collection of overdue debts.

The main office of the company is located in the capital. The bank has no branches and offices - all operations are performed via the Internet or by phone. The number of employees is over 4000 specialists. All clients of Tinkoff Bank have the opportunity to use the services of the bank in many cities located on the territory of the Russian Federation. A network of ATMs and terminals are located throughout the country, which simplifies interaction with the system. The company serves about four million Russian citizens.

You can open an account using a bank or postal transfer, and money can also be transferred through one of the banks partner companies (Contact payment system, "Golden Crown" and mobile phone shops).
This institution provides the following services to clients:

opening an account;
card design;
insurance services;
online banking.
A stable reserve of funds.
Legal entities can become participants in the salary project, they also have access to the lending service, which implies the placement of free finances.
According to last years data, the companys assets increased by 29.7 billion rubles, which is about 26%. The increase in liabilities is explained by an increase in the number of household deposits, which amounted to 2.9 billion rubles (or 6.9%), corporate funds (up to two billion rubles, or 6.4%) and equity capital by 5 billion rubles.
The main source of increase in own funds is a loan issued by Sberbank. In terms of liabilities, the volume of issued securities was cut by 2.5 billion rubles. As for assets, positive trends are taking place in lending (an increase of 17 billion). Thanks to the rise in interest rates and capital growth from mutual funds, there was an increase in the remaining assets. Investments in securities amounted to about 6 billion rubles.

Tinkoff Bank is now an innovative online financial services system that operates through a high-tech platform without its own branches. The company is the leader among other Russian banks in terms of the number of issued plastic cards - in the spring of 2015 the bank issued over five million "plastic". The institution is distinguished by intensive capitalization, the degree of sufficiency of which according to the H1 standards of the Central Bank is 15.2% (as of 01.02.2015).
Tinkoff Bank has won numerous titles and awards in recent years and has become the most promising and profitable bank in the country, according to data two years ago. Well-known magazines and publications, summing up their analytical results, call this bank the best in Russia. The mobile banking application has also gained popularity among users and has also received positive expert reviews.

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