TCS Group Holding PLC (LON: TCSA) (LON:TCSA)

Established in 1999 as Egidaco Investments Limited, TCS Group Holding PLC is a holding company with its focus in Russia under the brand name of Tinkoff Credit Systems. The company was renamed as TCS Group Holding PLC in 2013. The group is mainly engaged in online retail financial services and operations, which is conducted with its banking subsidiary, Tinkoff Credit Systems.

The group has a wide range of business activities including payment services, consumer lending, and financial and non-financial activities, such as pension funds, sales of insurance, and travel services. It also offers other services like trading in foreign currencies, evaluation of business opportunities, holding of bonds for trading purposes, generation of interest income. It also has a business call centre and a software development centre in Cyprus. The group delivers through online channels and with cloud-based call center with over 10,000 employees. it is one of the largest retail providers in Europe with a network of over 2,500 representatives worldwide.

The group delivers retail financial services with its branchless and high-tech platform, which includes its bank that provides in credit cards and online loan services for its consumers. The group’s products include e-commerce lending and cash loans, retail deposits, Tinkoff-branded and co-branded credit cards, standalone debit cards, pre-paid cards. The company has 100% shares of Tinkoff Bank, Tinkoff Mobile, Tinkoff Insurance, LLC Phoenix, LLC, LLS TCS, LLC MFC T-Finans, and LLC Tinkoff Software Development Company, and a direct majority holding in Cloud Payments, an innovative developer of online payments solutions; and a direct minority holding in Kassir.ru, leading online ticket selling agency in Russia.