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Дмитрий Коротаев /
Коммерсантъ

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Банкир Олег Тиньков все дальше уходит от бизнеса на кредитных картах, на котором исторически базировался. Он инвестирует миллиарды рублей в развитие платформы Tinkoff.ru с целью зарабатывать на комиссиях от продажи финансовых услуг (использования клиентами дебетовых карт, ипотечного брокериджа и услуг для малого бизнеса).

Вчера TCS Group Holding Plc опубликовала результаты за 2016 год по МСФО. Чистая прибыль группы выросла в шесть раз, до 11 млрд руб., чистый процентный доход увеличился на 38% и составил 34 млрд руб. При этом высокие результаты группы стали возможны не только за счет традиционных для Тинькофф-банка кредитных карт, но также благодаря росту новых направлений бизнеса (распространения дебетовых карт, ипотечного брокериджа и предоставления услуг предпринимателям). В результате чистые комиссионные доходы группы выросли в 1,7 раза, до 4,9 млрд руб. Как сообщила пресс-служба Тинькофф-банка, «финансовая экосистема» строится на платформе Tinkoff.ru, основой которой «является бизнес текущих счетов на базе дебетовой карты Tinkoff Black».

Осенью 2016 года в Лондоне группа объявляла, что к 2019 году в общем доходе доля некредитных доходов составит 30%. По итогам прошлого года на некредитный бизнес пришлось пока 13% от совокупного дохода. Операционные расходы по итогам 2016 года составили 18 млрд руб.— это во многом инвестиции в развитие платформы Tinkoff.ru и наем персонала для развития новых направлений. По мнению аналитика Moody’s Петра Паклина, руководство Тинькофф-банка развивает новые направления бизнеса, которые не подвержены влиянию кредитных рисков и экономических циклов.

Источник: kommersant.ru

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