Tinkoff Group PLC (TCSG)

Overview

International Public Joint-Stock Company TCS Holding, operating primarily within Russia, offers a broad spectrum of online retail financial services. With its roots stretching back to its inception in 1999 and headquartered in Vladivostok, Russia, TCS Holding has evolved from its original guise as TCS Group Holding PLC, undergoing a name change in February 2024. Its business operations extend across various segments including Retail Banking, SME Accounts Services, and Insurance Operations. The company is adept at serving a diverse customer base that includes individuals, entrepreneurs, and small to medium-sized businesses through an array of channels such as the internet, mobile platforms, direct sales agents, and strategic partnerships.

Products and Services

The comprehensive offering of financial products and services by International Public Joint-Stock Company TCS Holding is designed to address the multifaceted needs of its clients:

• Retail Loans: The company caters to personal financing needs through various products including cash loans, consumer loans, car loans, and secured loans. Alongside these, it offers credit cards, equipping customers with flexible spending and payment options.
• Transactional Financial and Daily Lifestyle Services: Aimed at enhancing the everyday financial and lifestyle management of its clients, the company provides a suite of services. This includes offering current accounts and debit cards, enabling efficient transaction management, alongside loyalty programs and co-branded offers that enrich the customer's banking experience. Furthermore, it integrates telecommunications and travel services, accompanied by a mobile app experience that ensures convenience and access on the go.
• Savings and Investments Services: To foster a culture of saving and investment among its clientele, TCS Holding offers various saving accounts and investment services that aim to cater to the different financial goals and risk appetites of its customers.
• Deposits and Transactional Services: The company provides secure and flexible deposit options and transactional services designed to meet the day-to-day banking needs of its customers, enhanced further through innovative software solutions.
• Non-Life Insurance Products: Recognizing the importance of risk management in financial planning, TCS Holding offers a range of non-life insurance products. This includes coverage for accidents, property, travel, credit protection, and auto insurance, ensuring that its customers are well-protected against unforeseen events.
• Investment in Companies and Equity Instruments: Beyond its direct service offerings, TCS Holding engages in strategic investments in companies and equity instruments, showcasing a commitment to fostering growth and innovation within the financial sector.