T-Bank sahifasining manbasini koʻrish

'''T-Bank''' ({{Lang-ru|Т-Банк}}), sobiq '''Tinkoff bank''' ({{Lang-ru|Тинькофф банк}}) – [[Moskva]] shahrida joylashgan va 2006-yilda Oleg Tinkov tomonidan asos solingan [[Rossiya]] tijorat [[bank]]i<ref>{{Yangiliklar manbasi |date=17 January 2014 |title=Русская сказка: офис мечты Олега Тинькова |language=ru |work=[[Forbes]] |url=http://www.forbes.ru/milliardery-video/249723-russkaya-skazka-ofis-mechty-olega-tinkova |access-date=09 April 2023}}</ref>. U raqamli bank hisoblanib, mijozlariga jismoniy xizmat koʻrsatishga moʻljallangan filiallari mavjud emas<ref name="IBS">{{Yangiliklar manbasi |date=8 March 2013 |title=Case study: Tinkoff Credit Systems Bank – One of a kind |work=[[Bank for International Settlements|IBS Intelligence]] |url=https://ibsintelligence.com/ibs-journal/ibs-news/c381-ibsj-archive/c483-ibs-journal-archive-2013/case-study-tinkoff-credit-systems-bank-one-of-a-kindl/ |access-date=09 April 2023 |archive-date=2016-09-10 |archive-url=https://web.archive.org/web/20160910023327/https://ibsintelligence.com/ibs-journal/ibs-news/c381-ibsj-archive/c483-ibs-journal-archive-2013/case-study-tinkoff-credit-systems-bank-one-of-a-kindl/ |url-status=dead }}</ref>. Bank Rossiyada kredit kartalar chiqarish boʻyicha ikkinchi eng yirik<ref name="Telegraph">{{Yangiliklar manbasi |date=23 June 2016 |title=Tinkoff Bank successfully completes RUB 3 bn bond offering with a coupon of 11.7% |work=[[The Daily Telegraph]] |url=http://shares.telegraph.co.uk/news/article.php?id=5366106&epic=TCS |access-date=09 April 2023}}</ref> hamda mijozlar soni boʻyicha dunyodagi eng yirik raqamli bank hisoblanadi<ref name="NS">{{Veb manbasi|url=https://www.nsbanking.com/analysis/tinkoff-bank/|sarlavha=What is Tinkoff Bank? The Russian disruptor targeting 20 million customers|muallif=Fawthorp|ism=Andrew|nashriyot=NS Banking|sana=18 August 2019|qaralgan sana=11 March 2019}}</ref>. 2022-yil mart oyi holatiga koʻra, [[Rossiyaning Ukrainaga bostirib kirishi]] natijasida kiritilgan sanksiyalarga muvofiq Tinkoff bankning kredit reytinglari bekor qilingan.

== Tarixi ==
Tadbirkor Oleg Tinkov Boston Konsalting Grup konsultantlari bilan Rossiyada filiallarga ega boʻlmagan bank ochish gʻoyasini muhokama qilganidan keyin 2006-yilda Tinkoff Credit Systemsga asos soldi<ref>{{cite news|url= http://www.kommersant.ru/doc/2342378| title= Карты, деньги, 2 ярда|language=ru| work=[[Kommersant]]| date=3 December 2013| accessdate=09 April 2023}}</ref><ref>{{cite news|url= http://slon.ru/economics/operatsiya_copy_paste_tri_primera_na_rossiyskom_bankovskom_rynke-839703.xhtml| title= Операция "Copy/Paste": три примера на российском банковском рынке| work=Slon| date=16 October 2012| accessdate=09 April 2023}}</ref>. Tinkov bankka 70 mln dollar atrofida sarmoya yotqizdi va uning ish faoliyatini Amerikaning Capital One banki biznes modelida tashkil qildi. Tinkov Moskvadagi Ximmashbank korporativ bankini sotib oldi. 2007-yilda bankka [[Goldman Sachs]] tomonidan sarmoya kiritildi. 2013-yilda Tinkoff bank London fond birjasida listingga kiritilib, 1,1 mlrd dollarga baholandi va oʻsha yili bank Financial Times nashrining Banker jurnali tomonidan yilning eng yaxshi banki deb topildi.

2013-yilda Dmitriy Agarkov ismli rus bankdan 24 million rubl (724 ming dollar) undirishga uringan; Agarkov 2008-yilda bank bilan tuzilgan kredit karta shartnomasini tahrir qilgan va uning tahrirlari bank tomonidan qabul qilingan. Keyinchalik, nomaʼlum kelishuvga erishilgandan soʻng, tomonlar qonuniy daʼvosidan voz kechdi<ref>{{cite news|url= http://www.businessinsider.com/dmitry-agarkov-sues-tinkoff-credit-systems-2013-8?IR=T| title= Russian Man Who Got Bank To Sign Homemade Credit Card Contract Now Suing Them For Not Following Terms|last=Taylor| first= Adam| work=[[Business Insider]]| date= 8 August 2013| accessdate=09 April 2023}}</ref><ref>{{cite news| url= https://www.telegraph.co.uk/finance/personalfinance/borrowing/creditcards/10231556/Man-who-created-own-credit-card-sues-bank-for-not-sticking-to-terms.html| title= Man who created own credit card sues bank for not sticking to terms| last=Trotman| first=Andrew| work=[[The Daily Telegraph]]| date=8 August 2013| accessdate=09 April 2023}}</ref><ref>{{cite book| url=https://books.google.com/books?id=cbuYCAAAQBAJ&q=tinkoff+credit+systems| title=Now I Know More: The Revealing Stories Behind Even More of the World's Most Interesting Facts| last=Lewis| first=Dan| publisher=[[F+W]]| pages=160–161| date=October 2014| isbn=9781440582158| access-date=09 April 2023}}{{Oʻlikhavola|date=iyun 2023 |bot=InternetArchiveBot |fix-attempted=yes }}</ref><ref>{{Cite news|url=https://www.nasdaq.com/article/updated-russian-man-turns-tables-on-bank-changes-fine-print-in-credit-card-agreement-then-sues-now-settles-cm267708|title=[UPDATED] Russian Man Turns Tables on Bank, Changes Fine Print in Credit Card Agreement, Then Sues, Now Settles|date=14 August 2013|work=NASDAQ.com|access-date=9 April 2023|language=en-us}}</ref>.

2015-yilda bank rebrendingni amalga oshirib, Tinkoff bankka aylandi<ref>{{cite news|url= http://www.londonstockexchange.com/exchange/news/market-news/market-news-detail/TCS/12196727.html| title= TCS Bank to be renamed as Tinkoff Bank in 2015| work= Tinkoff Credit Systems| via=[[London Stock Exchange]]| date=24 December 2014| accessdate=9 April 2023}}</ref>. Ayni yilda Global Finance jurnali tomonidan Rossiyaning eng yaxshi Internet-chakana banki deb topildi<ref name="Telegraph"/>.

[[File:Tinkoff Bank App.jpg|thumb|right|2015-yildagi Tinkoff bank mobil ilovasi|alt=Mobile phone showing a pie chart.]]
2019-yilning dekabrida Tinkoff bank Rossiyadagi klaviaturasiz va qogʻoz kvitansiyalarni chop etish imkoniyati boʻlmagan birinchi toʻliq raqamli bankomatni taqdim qildi<ref name=Verdict>{{cite news| url=https://www.verdict.co.uk/retail-banker-international/news/tinkoff-fy2019-earnings/| title=Tinkoff FY2019: record net income of RUB36.1bn with net loans +66%| last=Blakey| first=Douglas| work=Retails Banker International| date=11 March 2020| accessdate=9 April 2023| access-date=2023-04-09| archive-date=2020-04-24| archive-url=https://web.archive.org/web/20200424000645/https://www.verdict.co.uk/retail-banker-international/news/tinkoff-fy2019-earnings/| url-status=dead}}</ref>. 2019-moliya yilida Tinkoff daromadlari 33 foizga oshganini eʼlon qildi<ref name=Verdict/>. Tinkoff bank ilovasining navbatdagi yangilanishida kinoteatr chiptalari va mehmonxona xonalarini hamda oʻzining shoʻba korxonasi Tinkoff Travel orqali taʼtillarni band qilib qoʻyish funksiyalari qoʻshildi<ref name=NS/>. 2020-yilning mart oyida bank aksiyalarining 40 foiziga egalik qiluvchi Oleg Tinkov AQSh Adliya vazirligi tomonidan ayblanganidan soʻng, bank aksiyalari qiymati tushib ketdi<ref>{{cite news| url= https://www.themoscowtimes.com/2020/03/06/russias-tinkoff-bank-shares-fall-as-founder-indicted-in-us-a69538| title= Russia's Tinkoff Bank Shares Fall as Founder Indicted in U.S.| work=[[Agence France-Presse]]| via=[[The Moscow Times]]| date=6 March 2020| accessdate=9 April 2023}}</ref><ref>{{cite news| url= https://www.ft.com/content/0e4e46f4-5f9f-11ea-b0ab-339c2307bcd4| title= Shares tumble in London-listed parent of Russia bank Tinkoff| last=Seddon| first=Max|work=[[Financial Times]]|date=6 March 2020| accessdate=9 April 2023}}</ref>. 2020-yilda Tinkoff solarisBank hamda Visa tomonidan qoʻllab-quvvatlanadigan Vivid Money nemis mobil banking startapini moliyalashtirishga yordam berdi<ref>{{cite news| url= https://www.finextra.com/newsarticle/35965/vivid-money-taps-solarisbank-and-visa-for-launch-in-germany| title= Vivid Money taps solarisBank and Visa for launch in Germany| work=Fin Extra| date=8 June 2020| accessdate=9 April 2023}}</ref>.

2021-yilning boshida Oleg Tinkov ulushining bir qismini sotganidan va qolgan 35 foiz qismini oddiy aksiyalarga konvertatsiya qilganidan soʻng, TCS Groupning yirik aksiyadorlari safidan chiqdi<ref>{{Cite web|url=https://www.londonstockexchange.com/news-article/TCS/tcs-group-holding-plc-total-conversion-of-class-b-shares-and-reclassification-and-redesignation-of-all-issued-shares-as-ordinary-shares/14817845|title=TCS Group Holding PLC: Total conversion of Class B shares and reclassification and redesignation of all issued shares as 'ordinary shares'|date=7 January 2012|publisher=[[London Stock Exchange]]}}</ref>.

2021-yilning fevralida The Banker nashri Tinkoff bankni Rossiyaning 50 ta banki orasida yetakchi bank deb topdi. Ushbu oʻrin [[COVID-19 koronavirus infeksiyasi |Covid-19]] davrida onlayn-banking rolining ortishi bilan bogʻliq<ref>{{Cite web|url=https://www.thebanker.com/Banker-Data/Banker-Rankings/Top-50-Russian-Banks-ranking-resilience-tested-by-the-pandemic/|title=Top 50 Russian Banks ranking: resilience tested by the pandemic|date=1 February 2021|publisher=[[The Banker]]|qaralgan sana=2023-04-09|arxivsana=2023-04-09|arxivurl=https://web.archive.org/web/20230409135425/https://www.thebanker.com/Banker-Data/Banker-Rankings/Top-50-Russian-Banks-ranking-resilience-tested-by-the-pandemic/}}</ref>.

2021-yilning 29-mart kuni Tinkoff bank Moskva arbitraj sudiga daʼvo arizasi bilan murojaat qildi. Bank MTS uyali aloqa operatorini SMS joʻnatish uchun tariflarni adolatsiz oʻrnatishda ayblab, 1 milliard rubldan ortiq miqdorda tovon puli toʻlashni talab qildi. MTS ayblovlarga qarshi chiqdi<ref>{{Cite web|url=https://www.vedomosti.ru/business/news/2021/03/29/863633-tinkoff-bank-podal-isk-k-mts-na-bolee-chem-1-mlrd-rublei|title=«Тинькофф банк» подал иск к МТС на более чем 1 млрд рублей|language=ru|date=29 March 2021|publisher=[[Vedomosti]]}}</ref>. Biroz keyinroq, may oyida Tinkoff oʻxshash daʼvo bilan Rossiyaning „katta uchlik“ operatorlaridan yana biri VimpelComni sudga berdi. Bu galgi tovon puli miqdori 436,8 million rubl edi<ref>{{Cite web|url=https://www.banki.ru/news/lenta/?id=10947313|title=Тинькофф Банк подал иск к «ВымпелКому» на 400 млн рублей|language=ru|date=2021-06-01|publisher=banki.ru}}</ref>.

Forbes jurnalining 2021-yil aprel oyidagi „Dunyoning eng yaxshi banklari“ (The World’s Best Banks) reytingida Tinkoff Rossiya banklari orasida beshinchi oʻrinni egalladi<ref>{{Cite web|url=https://www.forbes.com/worlds-best-banks/#326d2b761295|title=World's best banks|date=2021-04-13|work=Forbes}}</ref>.

2021-yil oktyabr oyida bank Tinkoff Businessning bir qismi sifatida [[elektron tijorat]] boʻlimini tashkil qildi. Unga tajribasiz va eBay Rossiyaning sobiq bosh direktori Ilya Kretovni rahbar etib tayinladi<ref>{{Cite web|url=https://www.finextra.com/pressarticle/89841/tinkoff-names-ilya-kretov-director-e-commerce|title=Tinkoff names Ilya Kretov director, e-commerce|date=2021-10-19|publisher=Finextra Research}}</ref>.

2021-yil oktyabr oyida Rossiya Markaziy banki Tinkoff bank tarkibiga kiruvchi „Tinkoff Capital“ aktivlarini boshqarish kompaniyasiga portfelni boshqarish imkonini beruvchi litsenziyani berdi. 2019-yil iyun oyida tashkil etilgan „Tinkoff Capital“ investitsiya, xususiy pensiya va xususiy kapital fondlarini boshqarishga ruxsat oldi. 2021-yil oktyabr holatiga koʻra, „Tinkoff Capital“ ning sof kapitali 30 milliard dollarga baholangan<ref>{{Cite web|url=https://tass.ru/ekonomika/12730999|title=Тинькофф Капитал получил лицензию на доверительное управление|language=ru|date=2021-10-21|publisher=[[ТАСС]]}}</ref>. Xuddi shu oyda Tinkoff bankni boshqaruvchi TCS Group Singapurda „Tinkoff Global PTE“ ga asos soldi va guruhning xalqaro kengayish strategiyasiga muvofiq Janubi-sharqiy Osiyo bozorlariga eʼtibor qaratdi<ref>{{Cite web|url=https://tass.ru/ekonomika/13407359|title=TCS Group создала дочернюю компанию в Сингапуре|language=ru|date=2022-01-12|publisher=[[ТАСС]]}}</ref>. Xuddi shu oyda Rossiya Markaziy banki Tinkoff bankni haddan tashqari rivojlanishi va mijozlar bazasi tufayli tizimli ahamiyatga ega boʻlgan kredit tashkilotlari roʻyxatiga qoʻshdi<ref>{{Cite web|url=https://tass.ru/ekonomika/12629321|title=ЦБ включил Тинькофф в список системно значимых банков|language=ru|date=2021-10-10|publisher=[[ТАСС]]}}</ref>.

2022-yil mart oyida [[Rossiyaning Ukrainaga bosqini (2022)|Rossiyaning Ukrainaga]] bostirib kirishi natijasida kiritilgan sanksiyalarga muvofiq Tinkoff bankning barcha kredit reytinglari bekor qilindi<ref>{{Cite web |title=Tinkoff Bank |url=https://www.fitchratings.com/entity/tinkoff-bank-89170061 |website=Fitch Ratings}}</ref>.

== Manbalar ==
{{manbalar}}

[[Turkum:Rossiya banklari]]
[[Turkum:Moskvada joylashgan kompaniyalar]]