Tinkoff is an online financial ecosystem centred around the needs of its customers. The Tinkoff ecosystem offers a full range of financial services for individuals and businesses. With a focus on lifestyle banking, the Tinkoff ecosystem enables customers to assess and plan personal spending, invest their savings, earn loyalty programme bonuses, book trips, buy movie tickets, make restaurant reservations and much more. All Tinkoff services are accessible via our mobile applications and on the Tinkoff.ru website. The Tinkoff ecosystem is branchless: its proprietary network of smart couriers can deliver the Company’s products anywhere in Russia in the shortest time span possible, and customer service is handled online and by call centres (both office and cloud-based). Tinkoff is delivering AI Banking strategy and makes active use of AI and machine learning technologies to streamline communications. AI voice assistant deals with 40% customers inquiries in chats with no employee involvement and resolves clients’ questions in call center for 40 seconds average. All Tinkoff products and most of its IT systems have been developed in-house. Some 80% of the bank's HQ staff are IT specialists. The Bank was named «The Most Innovative Digital Bank in Central and Eastern Europe» (Global Finance, 2021), «World’s Best Consumer Digital Bank» (Global Finance, 2018, 2020), Best Digital Bank in Russia (The Banker , 2020 г.), Best Digital Bank in Central and Eastern Europe (Euromoney Awards for Excellence 2021). In 2020 Forbes included Tinkoff at top-3 the Best Russian Employers. The bank's parent company – TCS Group Holding PLC – has been listed on the London Stock Exchange. 3Q 2021 IFRS net income of TCS Group Holding PLC amounted to RUB 16.5 bn. The ROE was 42.6%.