our sustainable ecosystem
TRANSCRIPT
We are stepping up and are committed to following global standards
Tinkoff contributes to the achievement
of The UN 2030 Agenda for Sustainable
Development and identifies five goals
where we can have the most impact
Tinkoff joined the United Nations
Environment Programme Finance
Initiative (UNEP FI)
The 2020 Sustainability Report is the first
non-financial report prepared by the
Company in accordance with GRI
Standards: Core option, as well as the
SASB Standards
We are using GHG Protocol
methodology to analyze our
emissions
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Sustainability now engrained in the governance structure of the company
1 5
Started June 2021,
Head Of Sustainability joined the Group
This role covers sustainability strategy execution,
project management and ESG-reporting
CEO
Overall responsibility for sustainability strategy and performance
1 share 1 vote Independent directors joined TCS Group' Board of Directors in May 2021 (2/3 of directors are now independent)
Board of directors(1 june 2021)
Male Female
Management team(1 june 2021)34%
66% 72%
28%
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We comprehensively analyse our ESG risks and prioritize our efforts
Key stakeholders
Issues material to the business and our stakeholders
Shareholders and bondholders
Communities and NGOs
Government bodies & regulators
Customers
Employees
Business partners
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Champion ethical business
and environmentally friendly
operations and partnerships
Empower and engage
all our peoplePromote responsible
finance through education,
inclusion and innovation
1 2 3
These are our three sustainability objectives
Priority SDGs
Quality education
Ensure inclusive and equitable
quality education and promote
lifelong learning opportunities
for all
Achieve gender equality
and empower all women
and girls
Gender equality
Promote sustained, inclusive and
sustainable economic growth,
full and productive employment
and decent work for all
Decent work and economic growth
Build resilient infrastructure,
promote inclusive and
sustainable industrialisation
and foster innovation
Industry, innovation and infrastructure Take urgent action to combat
climate change and its impacts
Climate action
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1. Promote responsible finance through education, inclusion and innovation
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Data privacy & cybersecurity
Caller ID as the first free service in Russia
against unwanted calls
Voice assistant ‘OLEG’ integrated into the
mobile apps of Tinkoff Investments and Tinkoff
Mobile
New Call Defender platform as anti-fraud tool
Selfie as a new factor for identifying a person
in the application
Launched a course on information security
at the Higher School of Economics, with tuition
delivered by Tinkoff employees
Product responsibility
'Fraud protection' guide on Tinkoff Journal
Tinkoff Green Economy Fund launched
Secrets.tinkoff.ru with resources for SMEs
Free legal help service for entrepreneurs and
companies participating in state purchase
contracts
4k+ loan restructuring under state programs
and 270k+ under our own restructuring and
temporary relief programs
Tinkoff Investments educational materials –
investments guide, social educational
platforms, podcasts/videos, youtube shows
Community engagement and financial inclusion
No minimum threshold for a business turnover
to become a client of Tinkoff
60%+of total active brokerage customers
in Russia covered by Tinkoff Investments
Development of Open Source products
32.7 m RUR donated to communities and NGOs
Support for AI startups aimed at SDGs
Cashback for Charity attracted
10k+ regular supporters
Investment Box as the first service
for micro investing
new Tinkoff Journal materials published daily
20+unique readers of Tinkoff Journal in 2020
80m+
14m+active users per month
1.3m+users are active on the social platform
700k+are active learners of our financial literacy materials
1k+experts and professional contributors are ready to give advice or feedback
Tinkoff Journal – our personal finance and financial education platform
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Сlimate action At the moment we are aligning our business strategy to be consistent with
and contribute to individuals’ needs and society’s goals, as expressed
in the Sustainable Development Goals, the Paris Climate Agreement and relevant
national and regional frameworks
GHG emissions inventory
Climate-related risks and opportunities analysis
Setting climate-related targets developed in line with scientific
recommendations for staying within 2 degrees
Current projects:
Improved governance standards
100% increase in precision of anti-fraud checks
50% increase in fraudulent activities detected by anti-fraud system
30% decrease in fraud-to-sales ratio
Whistleblower hotline and slack channel launched
Business ethics
We are assessing not only the environmental impact from our facilities, but also are
using proactive approach to reducing the environmental footprint from our business
activities, including purchased goods and services, corporate travel
Environment footprint
Aiming to receive a BREEAM certificate for our new HQ
Installation of LED lighting
Use of equipment with low Total harmonic distortion (THD)
Reduction of the influence of non-linear load on the supply network
Installation of automated lighting control system
Installation of ventilation machines with recuperators to recover waste heat
Use of free-cooling mechanisms for refrigeration equipment
Current projects:
2. Champion ethical business and environmentally friendly operations and partnerships
Tinkoff has developed a new
technology that allows
various market players to
switch to electronic checks
and completely eliminate
paper ones.
The Tinkoff-WWF Eco-Card
is made from recyclable,
environmentally-friendly
materials, is easy to
process and reduces waste.
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3. Empower and engageall our people
28 years
37%
average age of our 15,369
full-time employees
Of IT and engineering
professionals are
women
Russian best employer
for women with highest score
for career development
opportunities (Forbes)
1st place
+20% -23%
in the Employee Development
and Training nomination
for The T-Life program at the
IT HR Awards
Growth on the average
tenure of a Tinkoff
employee (excl. top
management)
in comparison to 2019
Decrease in the turnover
in 2020 with improvements
across all departments
resulted in the average
turnover rate at 35%
TOP 3
83 300
best employers in Russia
according to Forbes
Top managers are
members of the
equity-based
incentives
Key employees are
members of the cash-based
but equity-linked retention
program
330.1m Rub
investment in employee
training
Are average hours
of training per member
of management and per
employee respectively
A total of 5,693
vacancies in 2020 were
filled by internal talent
pool of Tinkoff
TOP 4 37h and 25h
100%
Business
Woman average wage as % of man average wage*, by department
104%
G&A
97%
Operations
94%
Sales andMarketing
92%
Technology
*Excludes top management. 9
Working on climate-related targets
Appointment of new Non-Executive directors
Development of ESG strategy
Implementation of ESG-related projects and services
Recognized leadership in Europe among fintechs
Our next steps and what you can expect from us
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Appendix
ESG Risk Rating Ranking
Universe Rank Percentile
87th8624/1479Global Universe
80th830/1063Bank
48th210/430Reglonal Bank
Out of Banking Services
Companies
467/929 TOP 10Among banks in Russia
BBB
BBB A AA AAACCC BBB
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