T-Bank-Who-We-Are-and-What-We-Do 2

1.

T-Bank: Who
We Are and
What We Do

2.

T-Bank is more than a bank
Providing simple, fast, and reliable finance across four key market
segments.
Retail
SME
Corporations
Investments
Everyday personal
accounts, payments,
and accessible
consumer products.
Tailored financial
tools, payroll, and
services for small
and medium
enterprises.
Large-scale credit
facilities, liquidity
management, and
institutional
partnerships.
Capital markets,
brokerage services,
and wealth-building
platforms.

3.

T-Bank serves people and
businesses
14,000
Employees in 52 regions
3 million
Retail clients and 180,000 companies

4.

The loan portfolio has doubled
Active lending expanded steadily over the past five years, reaching 1.8
trillion rubles.
Five-year lending volume growth · internal speech data

5.

Most transactions are
online
92%
The overwhelming majority of client
interactions and banking transactions occur
through mobile and web platforms.

6.

T-AI speeds up loan decisions
Proprietary artificial intelligence models enable near-instant scoring
without compromising credit safety.
47 sec
+18%
1.7%
Average decision speed
Approval rate growth
Overdue loan rate
Automated scoring algorithms deliver
loan determinations in under one
minute.
Higher acceptance volume
achieved while maintaining the
exact same risk threshold.
Prudent portfolio health and strict
underwriting standards prevent bad
debt.

7.

T-Bank 2.0: an ecosystem of services
Investing 25 billion rubles into infrastructure to transition from a
standalone bank to a holistic business platform.
Digital Core
4 Regional Hubs
Next-generation processing architecture.
Local centers powering technical support.
SME Marketplace
Client Ecosystem
Connecting vendors, suppliers, and clients.
Seamless daily services under one brand.
25 billion rubles committed to digital infrastructure, regional hubs, and SME
marketplace solutions.

8.

Partnerships support the
next stage
Collaboration unlocks mutual acceleration
across the entire digital network.
Open to large clients & startups
Co-creating cutting-edge financial integrations, APIs, and
business applications.
Marketplace for small business
A specialized platform enabling SME clients to sell, buy, and
finance trade efficiently.
open ecosystem architecture

9.

People grow through mentoring and education
Investing systematically into human capital, continuous learning, and
university talent pipelines.
1
2
3
8 Partner Universities
2,500+ Trained Yearly
Active Mentoring
Joint educational programs, labs,
and specialized academic
curriculums.
Graduates and young engineers
undergoing professional
qualification each year.
Clear paths for career growth,
leadership tracks, and practical
internal mentorship.
academic foundation
continuous development
career acceleration

10.

10
Building the bank
of the future
✓
✓
✓
Intelligence, responsibility and cooperation
Financial infrastructure for the next
generation
Invitation to become part of the movement