Rating of bank "Tinkoff". Deposits, loans, reliability assessment

New technologies have penetrated almost all areas of our lives. Purchase clothes, order food from the restaurant, pay for utilities and much more today you can make with a smartphone or tablet.

Credit organizations also did not stay aloof. "Tinkoff Bank" (web address - tinkoff.ru) offers its customers only remote service. This is the only commercial bank that does not have its own ATMs and offices.

In the right direction

The idea of creating such a credit organization in Russia belongs to Oleg Y. Tinkov, an entrepreneur with rich business experience. He owns a well-developed network of household appliances stores, a music label, the production of frozen semi-finished products, a brewery and a restaurant business - a flair and ability never failed the Russian businessman.

In 2005, Tinkova was interested in the model of servicing the American organization Capital One, which specialized in issuing bank cards. Together with the consultants of the Boston Consulting Group Oleg Yurievich came to the conclusion that the remote bank can work in Russia.

Step by step

At the first stage, Tinkov received a banking license through the purchase of a small "Himmashbank". The main direction of activity was decided to make lending. Hence the name - "Tinkoff Credit Systems".

At the second stage, the main task was to build up the client base. Proposals on the issue of a credit card were received by the bank's partners - cellular operators, car dealers and insurance companies.

The structure continued to develop. New investors came in, debit cards were established and deposits were accepted, and in 2010, it was possible to order a credit card through the Internet and courier delivery.

In early 2015, it was decided to change the name. The head office of Tinkoff Bank is located in Moscow.

Reliability assessment

According to the latest information, "Tinkoff" is located at the 44th line of the rating on its own capital and on the 49th line in terms of assets among Russian banks.

The rating of bank "Tinkoff" directly depends on an estimation of its reliability. This indicator is a set of factors that affect the fulfillment of obligations. The data of the largest agencies of Moody's and Fitch Ratings say that in the long term, the bank was given B2 (the higher vulnerability score) and B + (valued in a highly speculative rating), respectively.

To assess reliability, the following indicators should be taken into account:

- liquid assets;

- the level of security of loans issued;

- structure of own funds;

- Credit risks.

Considerable information is reported on the falsification of reporting, the change of owners and various rumors. Given all of the above, over the past year, the rating of the bank "Tinkoff" is not optimistic. Various data indicate the emergence of negative trends, which in the future may affect its financial stability.

Traditionally, the own rating is the portal Forbes. This time the bank with remote service was on the 51st place.

Bank of the new generation

A stationary computer, a tablet, a laptop or a smartphone - regardless of the type of device, customers always have access to Tinkoff Bank. Personal account is the main way to manage your own accounts.

Payment of utilities and fines, transfers between accounts and other individuals, opening of deposits, connection of additional services - just a few clicks, and a new generation Internet bank will present a schedule of expenses and help plan the budget.

Subscription to receive taxes and fines will allow you to always be aware of important information, and setting limits not only contributes to savings, but also protection against scammers.

Credit cards

Plastic cards are still the leading line of business for Tinkoff Bank. Consumer loans require certain efforts from the client, but the Tinkoff Platinum credit card can be issued at any time on the official website.

To date, this is the most popular product, and more than four million Russians have already managed to evaluate it. Without visiting the bank, guarantors and presenting certificates, "Tinkoff Platinum" is issued.

Benefits:

- limit up to 300 000 rubles;

- free replenishment;

- grace period up to 55 days.

In addition, when paying for purchases on the card, 1% of the amount is returned in the form of bonus points, with a special campaign of the bank - up to 30%.

Partners

The rating of Tinkoff Bank was not affected even during the 2008 crisis. Innovative ideas were appreciated by partners who agreed to joint projects with the bank.

There are several types of co-branded debit and credit cards available for clients:

1. ALL Airlines - a credit card for travelers with a limit of up to 700 thousand rubles and bonus miles.
2. EBay, Lamoda and AliExpress - for fans of online shopping.
3. Mitsubishi will like the fans of Japanese cars.
4. Credit card Kanobu with bonuses from Xbox Games, Origin, Steam and PS Store will appeal to gamers.

Deposits

Two years after the opening, the new service was offered to clients of "Tinkoff Bank". Deposits to individuals are also processed remotely. You can find detailed information on accumulation accounts on the official website.

To fill out the application you will only need a passport, and the whole procedure will take no more than ten minutes. A debit card and a set of documents will be delivered at a convenient time by the courier.

You can replenish the deposit in cash at partner points, by bank transfer from an account or another card.

If the client transfers wages to the "Tinkoff Bank" card, the personal cabinet allows you to control not only the current expenses, but also to plan the savings and partially replenish the open deposit.

Best Apps

The high rating of the bank "Tinkoff" is largely due to IT specialists, developers and analysts. The creation and implementation of software systems is carried out by the department, which employs 400 people.

Thanks to joint efforts, Tinkoff Bank applications for smartphones based on iOS, Windows Phone and Android took first place in 2015, according to the results of a study by the well-known analytical agency Markswebb Rank & Report.

In addition, three years ago, specialists of the bank began developing specialized applications that allow you to make quick transfers from a card to a card or pay fines to the traffic police.

About shortcomings

At first glance, the clients of "Tinkoff Bank" (address: 1-st Volokolamsky travel, house 10, page 1) should be satisfied with the availability of banking services. The support service operates around the clock without a break for weekends and holidays.

Remotely you can carry out all the necessary actions for which the office of another commercial bank will take time to wait in line or to collect documents.

Experts note that the technical structure of the bank is perfectly built. However, there are weaknesses too. For example, due to the lack of a network of Tinkoff Bank offices, you can not get cash loans - loan funds are available only on credit cards, the issue and delivery of which also take a certain time.

Regular customers' comments indicate a repeated change in the terms of service unilaterally (reduction of deposit rates, a reduction in the credit card limit and a lack of information on new commissions).

At registration of a new product the consumer in advance does not have an opportunity to familiarize even with the contract.

In general, remote maintenance is designed for a certain age category. The absence of additional offices for customers of old hardening is unlikely to inspire confidence, and the qualifications of some support staff do not always meet expectations.