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Tinkoff Bank is one of the most famous and ambitious financial projects in Russia. Such projects are always especially interesting from the point of view of the people behind them. Therefore, the biography of Oleg Yuryevich Tinkov will be interesting.

Oleg in childhood

Tinkov Oleg Yurievich was born on December 25, 1967, in the village. Posylayevo (Kemerovo region) in a family of workers. Father - Yuri Timofeevich Tinkov, miner. Mother - Valentina Vladimirovna Tinkova, seamstress.

Oleg went to school in the district center, Leninsk-Kuznetsky. By nationality - Russian. Already at school, from the age of 12, he became interested in cycling and even won competitions. In 1984 he received the status of candidate master of sports.

Despite his young age: during sports camps in Central Asia, he bought scarce goods and resold them in Leninsk-Kuznetsky, risking jail time for speculation. But punishments were avoided, and the first experience of entrepreneurship helped in self-determination.

According to Oleg himself, his first official place of work was the Kuzbasselement plant, then he worked at the mine. Kirov.

University

Being the son of a miner, Oleg went to study at the Leningrad Mining Institute. It was there that his talent for business flourished to the fullest. The main goods that he traded were cosmetics, black caviar, vodka, perfumes, household appliances, electronics, office equipment, as well as gas pistols and cartridges for them. By establishing trade between St. Petersburg and Siberia, as well as trading with Poland, Tinkov was able to put together his own start-up capital. And meet his future wife, Rina Vosman, who also actively helped him in trading.

He also had partners, each of whom later built successful business: Oleg Zherebtsov (chain of stores "Lenta"), Oleg Leonov (chain of stores "Disks") and Andrey Rogachev (companies "LEK" and "Pyaterochka"). Oleg did not graduate from the Mining University, after the third year he left it.

He later attended the University of California, Berkeley, where he completed a brief 6-month program in marketing.

Personal life and family

With Rina Vosman, a native of Estonia, Oleg Tinkov spent more than 20 years in a civil marriage. Their couple formed at the university, and the wedding took place only 20 years later, in 2009.

Rina Vosman and Oleg Tinkov

There is interesting quote billionaire: he believes that a wife should not be spoiled with gifts, since giving everything she wants is to corrupt her.

The first child, the eldest daughter Daria, is educated at Oxford. The younger sons, Pavel and Roman, both brothers study in Moscow.

Oleg Tinkov with children

In the context of personal life, one can often find speculation that Oleg is gay, and there are no direct comments on this topic in the interview. However, the facts speak for themselves: he lives with his wife, they have several children in their marriage, Oleg is a decent spouse, and no sex scandals have been opened in all the years of Tinkov’s life as a public person, so such rumors about orientation can be attributed to a specific attitude to the always well-groomed appearance in the photo of Oleg.

Entrepreneurial activity

Starting as a small-time farce, he achieved impressive success, and now Oleg Tinkov is on Wikipedia, in the news and in the Forbes rating. Main businesses:

Technoshock: electronics from Singapore

Tinkov's first major project was the open in 1992 wholesale electronics imported from Singapore. He started with calculators, and then moved on to VCRs and color TVs so popular in the nineties.

In 1994, the construction of a chain of stores began, the first 2 stores under the Sony brand appeared in St. Petersburg. Growing sales volumes prompted the businessman to create his own brand. So in 1995, Technoshock appeared, the stores of this brand sold equipment at very high prices, but were still in demand.

Tinkov was the first in Russia to introduce sales consultants for the sale of electronics. Sergio Gutsalenko, a US citizen, was appointed director of the company. During the period from 1995 to 1997, the number of stores in the network increased to 10 throughout Russia. However, since 1998, when a strong competitor appeared in Russia (the Eldorado network), profitability has declined.

Oleg sold the business, receiving $7 million, which he invested in his new project.

“I sculpted it myself, Daria!”

In 1998, the products were produced under the Smak brand, purchased from Makarevich. However, to increase market share a new brand "Daria" was launched, and a new plant was opened on the site of the former warehouse of "Technoshock" in St. Petersburg.

provocative advertising dumplings "Daria" on street billboards

The aggressive advertising campaign allowed it to quickly gain popularity in a relatively untapped market segment. The brand successfully developed until 2001, after which it was sold by Oleg to Roman Abramovich's Planet Management holding for $21 million. USA.

Tinkoff Brewery

It was with the advent of this brand in Russia that they first saw the characteristic spelling of the name of a businessman - Oleg Tinkoff. The idea of ​​his own brewery did not find practical implementation for a long time, until the businessman made useful contacts at the Drinktec exhibition of brewing technologies in Munich. Naming a brand of beer by your own surname is an age-old Bavarian tradition.

Having invested 1 million German marks (at that time about 700 thousand US dollars), Tinkov opened the first beer bottling line and a branded restaurant on Kazanskaya Street in St. Petersburg. In 2001, a second restaurant was opened, now in Moscow, the launch of which cost the businessman $2 million. Over the next 3 years, similar institutions appeared in Samara, Novosibirsk, Nizhny Novgorod, Kazan, Ufa, Sochi, Vladivostok and Yekaterinburg.

A real brewery) appeared in 2003, built with credit money from Zenith Bank. The second plant was also financed by borrowed funds in the amount of 75 million dollars. USA. The constructed plants produced products under the Tinkoff, Tekiz and T brands.

The rapid growth of this business was due to aggressive advertising campaign in which a lot of money has been invested. However, the entrepreneur failed to achieve stunning success with his own beer. But the powerful infrastructure of the breweries was bought out by Sun Interbrew, paying about $200 million in the deal. USA.

Tinkoff Bank: pinnacle of success

Having overcome the difficulties of a pioneer, Oleg was able to build the first bank in Russia, all the services of which are available through the website and by phone, without offices and branches. Moreover, despite the youth of the project, the bank showed a 50-fold profit in the crisis year of 2008. The reason for this success is the minimization of office and staff costs. Through automation, most operations were performed by computers rather than human operators.

Since 2007, the bank has been headed by Oliver Hughes, who previously headed the Russian division payment system VISA. The young leader assembled a team focused on the development and realization of the potential of electronic technologies. The banker built a young and progressive leadership.

Oliver Hughes, Chairman of the Board of Tinkoff Bank

By 2013, the bank provided the businessman with a doubling of income and a billion dollar fortune. Since 2015, a rebranding has been carried out, the bank has been renamed Tinkoff Bank. As of 2017, Tinkov remains the majority shareholder, owning 53.52% of the shares and controlling the board. The founder does not plan to sell this business, he actively develops it and considers it his main activity. Therefore, there is still reason to say that Tinkov is the rightful owner of the bank.

Journalistic activity and dismissal from RBC

In addition to business, Tinkov also conducts quite active journalistic and journalistic activities. He has his own blog, Facebook and Twitter accounts. On youtube, he broadcasts “Business Secrets with Oleg Tinkov”, regularly posting videos.

He hosted a show on the RBC channel, but quickly stopped working with this channel.

One of the most striking was his interview with Sergei Galitsky, whom Tinkov himself considers a model of a Russian businessman. The Internet community also remembered the provocative conversation between Tinkov and Ksenia Sobchak on the Dozhd TV channel.

He also published two books: his autobiography I Am Like Everyone (2010) and How to Become a Businessman (2011). In them, he talks about his experience of becoming an entrepreneur. Note that the biography of Oleg Tinkov has earned rave reviews from critics.

Participation in cycling

Oleg Tinkov with his cycling team

The youthful passion for cycling has not faded so far. Successively, the businessman owned the following fairly successful cycling teams:

• Tinkoff Restaurants (2006)
• Tinkoff Credit Systems (2007 - 2013)
• Tinkoff cycling team (since 2013)

His teams regularly won prizes at prestigious competitions.

Life in the USA

In America, Tinkov lived while studying at the University of California at Berkeley. There he understood the peculiarities of American philosophy and realized that business in this country was elevated to the rank of science and is the dominant idea of ​​society. There he made many useful business contacts and since then has been to the United States quite often.

Crash

One tragic episode in Oleg's biography is often recalled by journalists. A terrible car accident played an important role in his fate. He had just returned from the army and decided to go with his girlfriend to summer camp. But a KAMAZ crashed into the bus, after which the girl died, and Oleg had a scar on his face. Immediately after his recovery, he decided to go to Leningrad, as it was unbearable to stay in his native city. Therefore, to some extent, this accident pushed him to subsequent successful decisions in life.

Status and Forbes rating

The founder of Tinkoff Bank is not modest. He drives a Rolls Royce car, also has a personal Dassault Falcon 7X jet and a luxurious private house in Moscow. And the most exciting question: how much money does he have? By Forbes versions his fortune is estimated at 1.2 million dollars. USA. With this result, he takes 1210th place in the world ranking. the richest people and 79th place in Russia.

Tinkov's private jet

Oleg Tinkov is a successful Russian businessman who today is one of the richest people in the country. He is considered one of the most eccentric entrepreneurs in the CIS, who from his youth was actively engaged in entrepreneurship and achieved high results in this area. Tinkov is successful in everything he does not undertake - in brewing, in the production of dumplings, in the restaurant business and in the serious banking sector.

Tinkov Oleg Yurievich was born on December 25, 1967 in the southeast Western Siberia, in the village of Polysaevo, Kemerovo region. His father worked as a miner in Leninsk-Kuznetsky, and his mother worked as a seamstress. The childhood and youth of the future businessman passed like other Soviet children. Oleg graduated from school without outstanding success, where he was more interested not in the exact sciences, but in sports. In the sports direction, namely in road cycling, Tinkov achieved success and in 1984 won the title of candidate master of sports.

After graduating from school, Oleg Tinkov was drafted into the ranks of the Soviet army. Oleg got into the border troops and served in Far East. Having repaid his debt to his homeland, the future businessman decided to receive higher education for which he went to cultural capital Russia and entered the Leningrad Mining Institute.

In his student years, Oleg Tinkov realized that his biography would be connected with business. Then Oleg began to show his entrepreneurial abilities - he earned his first money on vodka, which he bought at the same price during the day, and at night he sold to students in the hostel twice as much. Then the student businessman made friends with foreign students. Oleg bought from them any imports brought from home, and then resold the goods at a high price among students or in his native Leninsk-Kuznetsky.

Oleg Tinkov developed his student business to a significant scale. By the third year of university, he already had business partners who also became successful entrepreneurs in the future. Among them were Andrey Rogachev, founder of the Pyaterochka chain of stores, Oleg Leonov, founder of the Dixy stores, and Oleg Zherebtsov, founder of the Lenta chain of stores.

Business

The first major business project of Oleg Tinkov was "born" in 1992. Then, in his third year, he decided to leave the university and devote himself to the dream of big business. At that time, the student opened trading company Petrosib, which traded Singaporean office equipment. At first, his entrepreneurial activity was carried out only in Russia, and then expanded to European countries such as Poland and Germany.

A year later, Tinkov's business began to grow - the entrepreneur opened a store in St. Petersburg household appliances"SONY", and a year later he founded the network of electronics stores "Technoshock". At that time, the first specially trained sales assistants in Russia appeared in Oleg Yuryevich's stores, who made the stores prestigious in the country, as people were ready to buy goods from Tinkov, despite the fact that he set prices 20% higher than the average market.

In the mid-90s, Oleg Tinkov expanded his business and acquired the Shock Records recording studio, whose first client was the Leningrad frontman. A year later, the entrepreneur reorganized his studio into the MusicShock music store, as the studio turned out to be unprofitable.

In 1998, the businessman got bored with his field of activity, so he sold Technoshock and created the first Tinkoff brewery restaurant in Russia, which became a successful chain in just a year. The products of the Tinkov beer company were a success with both Russians and Americans, due to which they sold well in Russia and the USA. In 2005, Oleg Yurievich sold his brewing business to a Swedish company for $200 million.

As well as restaurant business the entrepreneur opened the Darya semi-finished products factory, specializing in the production of dumplings. At the same time, Tinkov was engaged in the production of products under other trademarks, such as "Tsar Father", "Good Product", "Fat Kok". In 2001, the businessman sold this business, as he was mired in credit debt.

One of the latest “brainchildren” of a businessman was Tinkoff Bank, which in 2006 was the first in Russia financial institution on the remote maintenance. In order to obtain a banking license, the businessman acquired Himmashbank, on the basis of which he created a nominal bank. Within a few years, the bank became very successful in a tough business environment and showed a 50-fold increase in profits in the first few years of its existence.

Personal life

Oleg Tinkov's personal life is as successful as his business career. Since his student years, he has been in love with his fellow student of Estonian origin, Rina Vosman, with whom he has been living for almost 30 years. The couple of Oleg and Rina attracted the special attention of society by the fact that for many years they lived in a civil marriage, without legitimizing the relationship.

Over the years life together Vosman gave birth to Tinkov three children - a daughter and two sons. The wedding of the oligarch with his beloved took place only in 2009, after 20 years of marriage. The wedding ceremony took place in Buryatia, only the closest people were invited to it.

The businessman calls his family the main success in life. He admits that he is madly in love with his wife and children and always tries to behave sensitively and restrainedly with them, despite the fact that he is known for his quick temper and sharp statements in relation to others.

In addition to business, Tinkov continues to enjoy cycling. He is the main sponsor of the Tinkoff-Saxo team, in which he annually invests at least 20 million euros. The entrepreneur is also fond of writing books in which he shares with readers his secrets of success in commercial activities, and maintains popular accounts in " Twitter and Instagram.

Oleg Tinkov now

Today Tinkoff Bank raises questions and receives negative feedback on the Internet because of the communication policy followed by bank employees and Oleg Tinkov himself.

For example, in the spring of 2016 there was a scandal over a businessman's post on Instagram. The company timed the International Women's Day for a beauty contest, the prizes of which were 100,000 rubles, a crown and the title of "Queen of Tinkoff Bank". A couple of days before summing up the results of the competition, a young bank employee was photographed wearing this crown. This photo on his own Instagram was posted by a businessman that "our fool" dreams of becoming a queen.

Such an appeal outraged subscribers. The Internet community reminded the banker of business etiquette as well as banal courtesy and respect. Subsequently, Oleg Tinkov deleted the offensive post.

By 2017, the degree of dissatisfaction with the actions and words of the businessman and the bank owned by Tinkov had grown so much that in August of this year the YouTube channel "Nonmagic" created an author's review in which he criticized Oleg Tinkov. In a video filled with obscene language, bloggers said that the bank was deceiving customers, and Tinkov did not respect employees, while the authors of the video compared what was happening with slavery.

In response, the businessman demanded that the authors of the video remove the critical video, apologize, and also pay the banker 500,000 rubles as compensation for moral damage. This requirement was not met, and the businessman filed a lawsuit to protect business reputation, accusing the bloggers of defamation.

Already in September, officers of the Ministry of Internal Affairs came to the bloggers with a search, while, as the lawyer of the men noted, these investigators flew to Kemerovo from Moscow. It also seemed suspicious to experts and ordinary users. While it is often difficult to initiate legal proceedings, here the investigators showed a speed and zeal that surprised the public.

Oleg Tinkov also published a video in which he said that he knew about the negative consequences and the effect, but could not endure insults and lies. By this time, the number of views of the Non-Magic video was already approaching 6 million.

The community of bloggers, as well as people connected in one way or another with the Internet and the IT industry, came to the defense of Nemagia. urged bloggers to distribute a critical video and shot their own videos in support of the guys. Also, video bloggers publicly refused to cooperate with Tinkoff Bank.

Condition assessment

Oleg Tinkov's fortune for 2016 is estimated at $500 million. The businessman considers his goal in life to get into the Forbes rating of billionaires and overtake the creator of the Magnit supermarket chain in it.

Oleg Yurievich Tinkov was born on December 25, 1967, in the city of Leninsk-Kuznetsky (Kemerovo region) in the most ordinary mining family. The father of the future businessman worked as a miner, and his mother worked as a dressmaker in a local atelier. Oleg remembered that period of his life like this:

“Our simple mining family lived modestly, but quite decently by the standards of Leninsk. Ordinary barracks were for eight families, and ours - for two, and even with a garden.

The conditions were considered quite normal, although there was no talk of convenience. There is no running water, no sewerage, a wooden toilet on the street 20 meters from the house, they went for water with two buckets to the pump 100 meters from the house.”

IN school years Oleg Tinkov began to take a serious interest in cycling and was very successful in it. He managed to win more than thirty races. He was a multiple champion of Kuzbass. Oleg was a member of the regional and regional national team. After a number of victories, he began to travel to training camps and competitions outside of Kuzbass (Anapa, Alushta, Sochi, Tashkent ...).

Before another trip to Leninabad, a teammate approached Oleg and said, “Take as much money with you as possible. There are goods there." Upon arrival, Tinkov and his friend went to the store and bought four pairs of Montana jeans (50 rubles each). Returning home, he sold them for 200 rubles apiece (4 times more expensive). After this earnings, Tinkov began to awaken the ability to entrepreneurship. But at that time it was called speculation, and a prison was threatened for such actions.

After graduating from 10 classes, Tinkov gets a job at the mine as an apprentice electrician for the repair of equipment (he repaired it in the workshop). While working at the mine, Oleg continued to train, hoping that he would be taken to SKA, which had only one place, and besides, the coach promised him that he would help him get there. Otherwise, the army was waiting for him. Unfortunately, Tinkov's hopes were in vain. The son of the Novosibirsk head of the SKA was taken to the competition.

In 1986, Tinkov leaves to serve in the army. To the border guard. He served one year in Nakhodka, after which he was transferred to Nikolaevsk-on-Amur.

In 1988, Tinkov returned home from the army and went to the mine to apply for a job. But soon he meets his former class teacher, who was taken to work as a director in a pioneer camp. She asked Oleg if he would like to have a summer vacation in a pioneer camp, and said:

“You're an athlete, come to us as a physicist.”

He thought it would be nice to have a rest before working in the mine, and agreed.

There he met his first love - Zhanna Pecherskaya, who worked part-time in the camp canteen. This meeting influenced the further fate of Oleg. So Tinkov recalls that time:

“When I saw her in the dining room, I realized that all my foolishness was over. Fell in love at first sight.”

Oleg and Zhanna were inseparable, so they always went together to visit their parents. One of these trips became fatal.

“On June 28, 1988, we got into the yellow Ikarus (it departed directly from central market in Leninsk-Kuznetsky) and went to the village of Egozovo. Everyone sat down in their places, only the two of us stood on the back platform and kissed. The bus was traveling at great speed, it was being tossed up, I also noticed: why is it rushing so fast? Suddenly a blow, a rattle, and then I don’t remember anything ...”

A KamAZ crashed into the bus at high speed. Zhanna flew out of the transport and died. And Tinkov that day and the kiss left a memory of himself in the form of a scar on his face.

After the loss of a loved one, it was difficult for Oleg to be in his hometown, since he quite often saw friends of the deceased girl and her parents.

Mining Institute

When Tinkov learned from his friend that a street friend had entered the Leningrad Mining Institute, he decided to try to enter there too. And he succeeded. Not only students from the USSR studied at that institute, but from other countries (America, Germany, Asia). Visiting foreigners, in order to earn some money, coming to the institute after the holidays, took jeans, perfumes, and other scarce things with them and resold them at a higher price. Oleg bought goods from them and resold them again. He sold small batches in Leningrad, and drove larger ones to his native Leninsk-Kuznetsk, because there he was more expensive.

In the spring of 1989, Tinkov meets a girl from Estonia, whose name is Rina (future wife) and starts a serious relationship with her. In the autumn of the same year, young people go to Poland to Rina's relatives (grandparents).

Tinkov's businesses

While in Poland, Oleg learned that the cost of some goods there is several times more expensive than in Russia.

“In Poland, everything that plugs into a socket was sold three times more expensive. We bought Raduga TVs at the Kozitsky Association store on Maly Prospekt of Vasilyevsky Island, I loaded them onto the train, went to Warsaw, sold them for $200 and returned.

In 1990, we complicated the scheme. All summer long, Rina lived and traded in Warsaw, and I dangled back and forth. I flew to Siberia, bought Taiga chainsaws for 200 rubles in different stores, took them to Kemerovo airport, paid for the overweight and flew to Leningrad. From the station he was carrying saws to Gavanskaya Street, where we rented a room in a communal apartment. The next day - to the station, a day on the train - and I'm in Warsaw. Logistics took a lot of time, but it was worth the candle: the Poles paid $ 200 for a chainsaw; with this money in Russia it was possible to take another six or seven pieces.”

In the fall of 1990, Tinkov decides to quit his studies at the institute, having not completed his studies.

“The decision followed logically from my then priorities. Why did I do it? I wanted to return to Leninsk-Kuznetsky and work as a site manager at one of the mines.

The pinnacle of a career could be the position of director of the mine. In this case, I would receive 1,000 rubles and drive a Volga. But I was ALREADY in my third year earning 10-15 thousand rubles a month, and the prospect of directorship did not attract me at all.”

After a while, selling goods in Poland became not very profitable. In this regard, in the summer of 1991, Oleg begins to change his shuttle route. He carries various equipment, as well as cars from Siberia to St. Petersburg.

“It was a rather dumb business, but it promised big income and took a lot of time.

We flew to Novosibirsk and went to a flea market on the Gusino-Brodskoye Highway. Cars were sold there for 50 thousand rubles, and in St. Petersburg they could be sold for 80 thousand.”

Thus, Tinkov accumulated a capital of 20-30 thousand dollars.

In the winter of 1992, Oleg learns from his friend about Singapore that it sells very cheap electronics. And goes there for the goods.

On his first trip, Tinkov took $10,000 with him, and there he bought calculators and other electronics (as much as he could physically carry). Returning to St. Petersburg, he sold everything for $20,000. The main profit was brought by calculators, they were bought for 5 - 8 $, and sold for 40 - 50 $.

The trade was quite successful, but since Oleg could bring and sell a certain number of goods, but he wanted more money, in 1993 he opens his first company called Petrosib. And he begins to sell various equipment (calculators, TVs, video cameras) in bulk to other companies. After a while, Tinkov realized that by selling goods at retail, you can earn much more than wholesale.

In 1994, he opened his first electrical engineering store in St. Petersburg under the name "Sony". This store brought a very good profit, especially for those times - $ 20 thousand every day. After opening the second store, Oleg thought about a single name for his chain of stores. She ended up being named "Technoshock".

In parallel with Technoshock, Oleg also opened the MusicShock chain of music stores, as well as the SHOK-Records recording studio (the Leningrad and Kiprpichi groups recorded on it).

In 1997, profits in stores began to decrease - Tinkov decides to sell all Petrosib networks. He sold it for $7 million.

In 1998, the entrepreneur became interested in the production of beer. But he did not have to open a factory required amount funds, and no one wanted to lend at interest. Almost everyone said “you sold equipment, what does beer production have to do with it”. Since Oleg could not open his own brewery, he decided to open a beer restaurant in St. Petersburg. He called him "Tinkoff".

On August 1, 1998, the opening of the restaurant took place. The institution almost immediately began to bring good profits ($ 15-20 thousand per day). It cost Tinkov $1.2 million.

This restaurant differed from others in that it brewed its own beer, and it was possible, sitting at your table, to observe the process of its production through a glass wall. It was also possible to try the drink without the use of pasteurization. This was not the case in any restaurant in Russia at that time. In addition, Tinkov was the first to use the term "live beer" in advertising for beer.

In the same year, Tinkov opens a company for the production of dumplings. He named her "Darya"- in honor of his daughter. It's been enough profitable business, since the cost of 1 kilogram of dumplings was one dollar, and they were sold for three.

“We grew very quickly, aggressively gaining momentum. In 1999, we were selling three thousand tons of products per month. monthly net profit was about 300 thousand dollars.”

In addition to dumplings, other semi-finished products (dumplings, chebureks, cutlets, etc.) under other brands, such as Ravioli, Pitersky Smak, Three Little Pigs, Thick Kok.

Despite a fairly good profit from the business, in 2001 Tinkov sold his company Daria.

“On the one hand, business monthly brought hundreds thousand dollars profit and that suited me. On the other hand, the dumpling market was worth a couple of hundred million dollars a year, and our share of it was already high. After studying at Berkeley, I began to understand what volume and market share are. In a large market, you can make good money with a share of three percent, but in a small one you need to be a powerful player. And then Andrey Beskhmelnitsky, manager of food assets of Roman Abramovich, called me and began to persuade me to sell the business.”

Tinkov agreed to sell the business, but on the condition that the deal would take place personally with Abramovich. The meeting took place. Roman Abramovich was brief on it. Oleg named his price, which he wanted to receive for the business ($21 million). Abramovich did not bargain, but told his subordinates:

« Pay him.«

Net profit from Tinkov's dumpling business amounted to 14 million. The rest went to pay off debts.

Oleg decided to fulfill his old dream - to start a full-fledged production of his own beer under the brand Tinkoff.

By this time, he was already selling his beer in bottles, but in small batches. The fact is that in the St. Petersburg restaurant the equipment turned out to be so powerful that it was impossible to sell all the beer that was produced on it to customers on tap. In this regard, it was decided to launch a bottling line. The beer restaurant began to produce up to two thousand bottles a day. An advertisement for the product was released on TV for recognition of the product. After that, the beer immediately began to sell very well. The cost of one bottle was 30 cents, and was sold in bulk for $1.

In the spring of 2003, beer production was launched at the Tinkoff factory.

In 2005, Tinkoff had about 1% of the total beer market share in Russia. In the same year, Tenkov received an offer to buy a brewery from the Belgian company InBev. The deal went through, the company was sold for $201 million (Tinkov's net profit was about $80 million), and he also owned a chain of restaurants (he sold it in 2009).

In 2006, Tinkov decides to go into banking. He acquires a small Moscow "Khimmashbank". In December of the same year, it was renamed to " Tinkoff Credit Systems". This bank differs from others in that it does not have its own branches, but it works with its customers via telephone and the Internet. Also, to distribute credit cards it uses direct mail technology (electronic mailing list) and regular mail.

Tinkov's banking business has become quite successful, despite the fact that he found financial crisis. According to the Kommersant newspaper, during the crisis year of 2009, the bank's profit increased more than 50 times.

Despite the fact that Tinkov has owned the bank for more than seven years, he is not going to sell it yet, as it is growing very well. The share of the bank, which belongs to Oleg, is 51%.

In 2013 the bank Tinkoff Credit Systems” buys the company “Moscow” from AlfaStrakhovanie and renames it to “ Tinkoff online insurance».

Tinkov's hobbies

Oleg is still fond of cycling. In 2006, he created the Russian cycling team "Tinkoff Credit Systems" and was part of it. In September 2008, he transferred the team to other sponsors (Itera, Gazprom and Russian Technologies became them, they renamed it Katyusha).

Tinkov is also fond of skiing, and not on prepared tracks (freeride).

Since 2009, he has been running the Business Secrets program.

Family status

Tinkov is married. Oleg met his wife Rina when he was studying at the Mining Institute. Since that time, he lived with her in a “civil marriage”. He married her 20 years after they met (in 2009). Oleg has three children: daughter Daria, son Pavel and Roman.

Tinkov's books

In 2010, Oleg released the book "I am like everyone else." In it you can find out a more detailed biography and business path of Tinkov.

In 2011, his book How to Become a Businessman was published.

Relax, game:

The biography of Oleg Tinkov amazed millions of people. Young and aspiring entrepreneurs still touch on the success story of Tinkov in order to learn from his mistakes, experience and at least try to become as successful as he is. This person is on the list of famous Forbes magazine being one of the richest in the world. In this article, we will consider the biography of the famous entrepreneur, as well as his most successful projects.

Biography of Tinkov: early years and education

The biography of Oleg Tinkov begins in the village of Polysaevo, which is located in the Kemerovo region. In Leninsko-Kuznetsky, Oleg graduated from high school, and then worked in a mine, and after that he worked at the Kuzbaselement plant.

Oleg also excelled in sports. Somewhere from the age of 12, the future entrepreneur began to get involved in cycling. He won many competitions, and at the age of 17 he even became Oleg Then and took his first steps in entrepreneurial activity. During trips, fees, he bought goods scarce for the USSR in Central Asia, and later sold them in his native Leninsko-Kuznetsk. Oleg Tinkov, whose biography is incredible, in some places very unusual, already in his youth took up fartsovka. In 1986, the young man entered the service, his sports career was interrupted.

Immediately after the army, already in 1988, Oleg entered the Leningrad Mining University. Even then, the young man realized that at a university with a large number of students, you can make pretty good money. He started selling jeans, perfumes, black caviar, cosmetics and vodka. He traveled from St. Petersburg to Siberia, where he sold St. Petersburg goods, and in Siberia he bought equipment that he sold in the northern capital. The biography of Oleg Tinkov is full of interesting coincidences. So, he was engaged in the sale of goods with his fellow students, who later founded large companies and became no less successful than Tinkov himself. One of his fellow students, Andrei Rogachev, became the founder of the famous Pyaterochka grocery chain.

Family

The biography of Oleg Tinkov is decorated with his family life. It is generally accepted that businessmen, entrepreneurs and celebrities rarely have happy families. But Oleg met his future wife, named Rina Vosman, while still a student. He lived with her for about 20 years, and after that only in 2009 they had a wedding. Now Rina and Oleg have three children - Daria, Pavel and Roman. Daria is studying at the famous Oxford University, while Pavel and Roman are still at school. In his book, Oleg Tinkov himself spoke in detail about his wife. The wife also participated in writing this book, remembering some moments from their life together.

Technoshock company

In 1995, a Tekhnoshok store was opened in St. Petersburg, and then several more in St. Petersburg, Omsk, Novorossiysk and Kemerovo. Despite the fact that the markup for equipment in Technoshock stores was quite high, much higher than in other stores, this equipment was in demand among people, they loved it and bought it. Oleg Tinkov realized in time that competent sellers would sell more equipment than those who were not trained. Therefore, when recruiting new staff, sales consultants were always waiting for free training in successful sales. This, probably, is a big part of the success of the Technoshock network.

In 1997, Eldorado stores began to open on the streets of St. Petersburg. Competition has grown sharply, so Oleg Tinkov made an important decision for him - to sell the chain of stores. He went out of business in 1998. At that time, Tinkov had $ 7 million, which he received for selling the network. He will subsequently invest them in a network of semi-finished products.

Company "Daria"

The existence and functioning of the famous company "Daria" began thanks to an interesting incident. In the bath, Oleg Tinkov was sitting with his Greek friend, supplying equipment to the USSR for the production of Italian pasta - ravioli. It was the Greek who gave Oleg the idea to create a company that would sell such frozen semi-finished products as others.

In 1998, the Darya company (named after Tinkov's eldest daughter) opened, quickly became one of the most popular in Moscow and St. signed "Your favorite dumplings!". But already in 2001, the company was sold to the successful holding of Roman Abramovich. For her, Oleg received $ 21 million, of which he spent 7 on loan fees. Oleg Tinkov's fortune is gradually increasing.

Bank Tinkoff

The beginning of the functioning of Tinkoff Bank was reported on what is located in the Pacific Ocean. It was there that in 2005 the entrepreneur informed the people about the creation of his bank and presented the project. It was the first bank in Russia based on remote customer service. At first, he suffered major setbacks in attracting investments, but already in 2008, his profit grew 50 times. Oleg Tinkov's bank functions to this day, is the main field of Tinkov's activity. The entrepreneur owns a little more than half of the bank's shares.

Beer "Tinkoff"

In 1997, the entrepreneur decided to open his own brewery, but there were big setbacks in finding an investor. But while looking for an investor, Tinkov met two suppliers who offered him two interesting ideas which he later used. The first suggested creating a brewing company based on a real Bavarian tradition, which is to name beer by your last name and come up with a legend. The second idea was to create a restaurant-brewery and promote their own brand of beer in this restaurant.

The search for an investor was not unsuccessful. Already in 1998, the first restaurant-brewery was opened in St. Petersburg. The first investment amounted to about one million German marks. In 2001, the restaurant was opened in Moscow, two million dollars were invested in the institution. Then points began to open throughout the country - in Samara, Sochi, Novosibirsk, Yekaterinburg, Vladivostok, Nizhny Novgorod, etc.

In 2003, two large factories were built. Only the second plant took 75 million dollars, which were taken on credit. In 2005, a deal was made to sell two breweries for $200 million. Already in 2009, they bought out all the restaurants of Oleg Tinkov.

Businessman's fortune

Today, the Russian entrepreneur is one of the richest people in the world. Oleg Tinkov's fortune is estimated at $500 million. Today it is known that in the list of the richest and wealthiest people in Russia, Oleg takes 169th place (as of 2015). And in the list of the wealthiest people in the whole world, Tinkov takes 1210th place (as of 2014).

History of success

The success story of the world-famous Russian entrepreneur makes you think. This is a man who followed his desires, did not change the principles and came a very long way. Oleg Tinkov studied for a very long time, already at a young age he felt an entrepreneurial spirit in himself and went about his business. Surely his path was not strewn with rose petals: he worked hard, only finding an investor could take years and years of hard work. Oleg Tinkov himself likes to talk about his success story. The biography, the success story of a businessman - all this is interesting for young people to study, this is in many ways the right example.

Oleg said that it all started with the will to live. He did not want to live in poverty all his life, he wanted his children to study at the best universities, he did not want to deny himself anything. The entrepreneur said that his dream was to get a residence permit in St. Petersburg and a good apartment. It was then that he realized that in order for all this to happen, money is needed. And money is required good learning and long labor.

Oleg Tinkov, whose photo can be seen above, is one of the most progressive businessmen. It is said that he is one of those who personify the modern world.

The owner of Tinkoff Bank, Oleg Tinkov, was one of the first to radically change the management model of the bank, applying the American experience. Judging by the growing popularity of the project, the ideas were in demand and found their fans.

The story of Tinkoff Bank

Oleg Yurievich Tinkov.

The path to the idea of ​​forming a bank took a long 17 years. It all started with the fact that at the institute in 1989 Oleg met his beloved, who became his commercial pointer on the path of life.

The path to banking was not easy

First, the future millionaire was engaged in fartsovka in a hostel, then selling equipment from Poland and Germany. Oleg increasingly acquired connections and honed his business skills. Rina helped him in everything, she herself transported clothes and cigarettes from Warsaw to Germany and sold them right at the station and immediately went back for a new batch. In order to accumulate at least some capital, Oleg and Rina saved utterly, did not buy anything extra.

In 1991, Tinkov left for America “for knowledge”, from that moment on he will often return to the USA, even finish economic courses at one of the country's universities, and then Berkeley University itself at the Faculty of Marketing.

After the first visit to the United States, the business of the entrepreneur went much better - he and his friends opened the companies Petrosib, Tekhnoshok, which were engaged in wholesale and retail technique. Then there was the case for the production of semi-finished products "Daria".

Tinkov's zeal and desire for big money always amazed his friends. Each of them speaks of Tinkov as stubborn, in good sense, a bold entrepreneur.

By 2013, Tinkov was able to double the capital and took the 1210th line in the Forbes list. was just under $1.5 billion.

In 2015, the bank changed its name to Tinkoff.

Who is at the helm?

Oleg Tinkov - CEO, Chairman of the Board of Directors of Tinkoff Bank. He has 53.6% of the company's shares, the rest of the shares were divided by several companies.

Tinkov as director

The office of Tinkoff Bank is located in the center of Moscow, its walls are painted with graffiti, there are several restaurants for employees on the premises, gym. Tinkov's office, decorated with gold leaf, is located on the first floor, from where several entrances to the building are clearly visible, and the walls of the office are made of durable glass. As Oleg says, you can immediately see who smokes and who works.

Employees of the company speak of Oleg as a quick-tempered, rude, but at the same time quick-witted and reasonable director. Beginners often cannot stand the director's curses - he can swear at everyone. Experienced employees know that "Asshole" or "Reptile" is Tinkov's promotion, which is not easy to earn.

Tinkoff Bank is the only brainchild that has been kept in the Tinkoff property for so long. In this field, Tinkov received several awards, for example, "For the development of an online bank."

Oleg as the head of the family

Oleg loves his family, in interviews he often talks about his wife and children. Family Oleg is the same as for work - strong-willed and decisive.

According to him, the main thing is self-education, he does not spare money for endless travels around the world and education. Oleg spends money rationally, he has not even changed his car for more than 10 years. Tinkov drives a Rolls-Royce.

At the same time, romanticism is well combined with rudeness - you can often find funny or sentimental pictures of evening gatherings with your wife.

Oleg does not forget to brag about the fact that Rina is his only woman, and does not like to flaunt sexual achievements.

What does Oleg say about himself?

Oleg loves cycling and other active entertainment, he has. Another of his hobbies is freeride - downhill skiing on an unpaved track. This hobby, as Oleg says, is for real men.

Oleg talks about such his advantages:

• perseverance;
• the ability to find a common language with anyone;
• an extraordinary approach to any business.

Also, Oleg’s advantages include energy in everything and a modern approach to business - he promotes Tinkoff Bank in all known in social networks, leads own .

Among the shortcomings, Oleg notes an absurd character - he uses obscenities in his speech, cannot resist a sarcastic comment.

What journalists say about Tinkov

For journalists, the head of a bank is both a goldmine and a punishment. Oleg knows how to impress and pay attention to his own person.

Many cases are noted when he became the instigator of fights. Oleg manages to settle disputes even after his resonant comments.

Most journalists consider Oleg stupid, which he does not hide - there are cases when Tinkov, in his opinion, joked well with them. For example, information about Tinkov's homosexual orientation got into the press, he laughed for a long time and at the same time cursed all the "morons" who wrote this nonsense.

The founder of Tinkoff Bank, according to many people, is an outstanding personality, which combines rudeness, energy and the will to win. As the growing capital shows, these qualities benefit his business. stable family life and close relationships with his wife and children also confirm that Oleg managed to find a balance between his ambitions and caring for his family.