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 start-up capital. And meet his future wife, Rina Vosman, who also actively helped him in trading.
He also had partners, each of whom subsequently built a successful business: Oleg Zherebtsov (the Lenta chain of stores), Oleg Leonov (the Diski chain of stores) and Andrey Rogachev (LEK and Pyaterochka companies). 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 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. 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-scale 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 wholesale trade in electronics imported from Singapore, opened in 1992. 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 the market share, a new brand, Daria, was launched, and a new plant was opened on the site of the former Technoshock warehouse in St. Petersburg.
Provocative advertising of 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 started useful contacts at the Munich exhibition of brewing technology Drinktec. Naming a brand of beer by your own surname is an age-old Bavarian tradition.
By investing 1 million DM(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 establishments 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 associated with an aggressive advertising campaign, in which a lot of money was 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 led the Russian division of the VISA payment system. The young leader has assembled a team focused on the development and realization of potential electronic technology. 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 Q: How much money does he have? According to Forbes, his fortune is estimated at $1.2 million. 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, one of the most eccentric and successful Russian businessmen, has been living with the same woman for over 20 years. Numerous temptations that pursue any wealthy person could not affect the personal priorities of the entrepreneur.
In his book “I am like everyone else”, Oleg Tinkov bluntly states:
“A wife for a businessman is incredibly important. Since ancient times, nothing has changed: the mother is the keeper of the hearth and must keep the fire going. Previously, mammoths were brought home, but now cash is the only difference. I am very grateful to fate, to the Lord God for having met Rina and living with her.
Acquaintance and love
The enterprising young student of the Leningrad Mining Institute met his future wife Rina in 1989. At that time, he had already tasted the power of easy quick money, he was speculating in cosmetics and clothing, or simply "farce".
Met young people at a disco, and he immediately realized that he fell in love. He called the girl Irina all evening, but lost her at the end of the evening. The next day, Oleg met her at the Department of Mathematics. “Ira, hello!” he said. " I'm not Irina, I'm Rina' she replied.
Oleg Tinkov managed to arrange the next meeting only two months later. He accidentally met Rina in a grocery store, treated her to birch sap for 11 kopecks and asked for a room number.
On the next weekend, he and his friend visited Rina, who lived with two girls. That evening he took the girl to an expensive restaurant, which was part of the foreign tourist system. Dinner for two cost 10 rubles at that time. As Tinkov himself recalls, he got Rina very drunk, and on the same evening they had an intimacy.
As Rina herself recalls, at the time of meeting Oleg, many girls were spinning around him, but gradually they all disappeared. Gently and unobtrusively, Rina established her rights to a bold, energetic and daring guy.
Tinkov admits that I immediately saw in Rina a sincere interest in relationships and lack of commercialism. IN student years it happened in every way, and even Tinkov did not always have money.
In such cases, Rina herself invited him to restaurants and paid for everything. From here, perhaps, the talk of spiteful critics began that Rina was born into a wealthy family, and Tinkov made his way thanks to the support of his father-in-law.
Actually Rina was the daughter of an Estonian miner. IN Soviet time miners, indeed, received a relatively high salary, but Rina Vosman's family cannot be called rich in the literal sense of the word.
Joint life as it is
It was Rina who pushed Tinkov to the realization: “ It's time to earn some decent money!". The situation when the girl paid for him seemed humiliating. Prosperity did not come immediately. The young people lived in the dormitory for a long time, ate one potato, which was brought once a week by the mother of a neighbor in the dormitory.
Tinkov began to transport goods with redoubled energy from those regions of the USSR where he was. With a total shortage, things diverged with a bang, but material stability could not be achieved at that moment.
The young were overcome by bedbugs, they could not be eradicated in any way. All domestic difficulties acted only as an incentive for an ordinary Siberian guy.. He saw how other businessmen rented excellent apartments and drove beautiful cars, and with redoubled energy bit into new market relations.
Interesting Notes:
And the market exploded. The dashing 90s, which led most of the country's population into a state of confusion, horror and panic, were most welcome for Tinkov. In this reality, he was able to turn around at full power, opening business after business, the profitability of which multiplied Tinkovsky's capital.
Rina was next to him, absolutely trusting this risky, gambling and extraordinary person. They lived 20 years in a civil marriage, and Rina never had any fear that Tinkiov would leave her or act dishonestly. In this relationship, they had three children: daughter Daria and sons Roman and Pavel.
The life of a millionaire's wife
In 2009, Oleg and Rina officially registered their marriage., and the wedding took place on Baikal. Rina herself prefers not to give interviews to journalists, but thanks to Tinkov's activity, she manages to create the image of a millionaire's wife (in rubles - a billionaire).
Rina is primarily a wife and mother of three children.. Tinkov considers this mission the most important in a woman's life, and important for a man.
In his book, he directly says that he does not believe in big business without the support of his wife. Before starting a business, he looks: what kind of wife does the partner have? What children? About Rina, he speaks with respect:
“She takes care of children, herself, reads a lot and looks like God forbid everyone looks at 40 years old”
Rina does not work and does not run any business, Tinkov himself calls the situation when a rich husband buys a boutique in the Central Department Store for his bored wife, nonsense.
“Someone will say that the family is not fashionable, but I don’t care about fashion,” says Tinkov
The biography of the modest wife of a Russian billionaire is not as well covered as that of many other rich people in Russia. This fact is not at all connected with the fact that Rina is unremarkable, but only with her natural modesty and meekness, which do not allow her to squander herself on numerous interviews and tell all the subtleties of her personal life. If someone watched the short film “One Day by Oleg Tinkov”, then most likely he noticed how Rina was hiding from the cameras and did not want to bathe in the glory of her husband.
Rina Tinkova. Where are the wives of Russian oligarchs born?
Rina Vosman was born in the working Estonian town of Kohtla-Jarve. Rina's father, Valentin Avgustovich Vosman, loved his daughter immensely, did not spare any money for her, but at the same time raised her to be economical and thrifty. After leaving school, her parents sent Rina to study in Russia, because then it was believed that Russian education one of the most promising in the world.
Rina Vosman is the wife of Oleg Tinkov. Acquaintance
Estonian Rina Vosman met the future oligarch as a student in 1989.
Studying at the Leningrad Mining Institute was full of impressions connected not only with studies. It was never boring in the institute's dormitory; and often large companies gathered in the same room and collectively decided where to go in the evening: to the cinema, park or student disco. Once, at one of these discos, Rina met Oleg Tinkov, who mistakenly called her Irina all evening. modest girl from rich family did not look for communication with young people and always treated the courtship of guys rather skeptically; but that evening she herself felt some attraction to the self-confident and insanely energetic Oleg. Tinkov immediately drew attention to the tall, slender brunette beauty with a charming smile.
Girlfriends at the university told not only good things about Oleg Tinkov: “He is a black marketeer and spends all his money on entertainment and girls.” Rina from the very beginning of her acquaintance understood what kind of person sunk into her soul.
It is worth noting that the student Tinkov did not always have money, but he wanted to look after his beloved girl beautifully, therefore, as Oleg Yuryevich himself says, Rina became something of an incentive for him in the pursuit of wealth. Tinkov was especially strong in his intention when Rina began to pay for him in restaurants - this self-confident and proud farce could not stand.
Wife of Oleg Tinkov. Wedding after two decades
Rina and Oleg did not get married right away, although they began to live together while still students. Oleg Tinkov himself explains the reason that young people, after the birth of their daughter, and then two more sons, were in no hurry to legalize their relationship with the lack of time for a worthy marriage. Because of this, many relatives, close friends, and the public as a whole were very skeptical about the seriousness of Oleg Tinkov in relation to the chosen one. But the rumors were not destined to come true even after 20 years, which Oleg and Rina went hand in hand.
In the summer of 2009, Rina Vosman and Russian businessman and banker Oleg Tinkov finally got married. Despite the wealth of this couple, the wedding ceremony was very modest and was celebrated on Baikal, in Buryatia. 50 closest friends and relatives were invited. Everything was imbued with the spirit of romance, and the three Tinkov children in snow-white suits, carrying their mother's veil, looked especially touching.
Marriage after such a long time life together, formation and career growth from the bottom, proves only that Rina Vosman really loves this eccentric, quick-tempered and rather successful Russian businessman.
Oleg Tinkov, whose name we strongly associate with beer and credit systems, embodied american dream in Russia, jumping from the provinces to millionaires. According to Forbes, Tinkov's fortune in 2014 reached $1.4 billion. Present to your attention short biography Oleg Tinkov.
Oleg Tinkov was born in the tiny Siberian city of Leninsk-Kuznetsky in the family of a miner and a dressmaker, lived in a barracks without any amenities. IN school years successfully engaged in cycling, was a member of the national team of his region and often traveled to competitions. Getting to the southern republics of the Union (Uzbekistan, Tajikistan, etc.), the enterprising boy bought jeans, scarves, boots as cheap as possible and sold them with a large premium in his native lands, where these things were in short supply.
After the army, Oleg managed to enter the Leningrad Mining Institute, but did not study for three years. Commerce was more interesting to him than study, he had to survive in big city. In the early 90s, when speculation was no longer prosecuted by law, Oleg Tinkov bought calculators in bulk in Singapore for $7 apiece, and sold them in Russia ten times more expensive. Later, he began to import TVs and VCRs in bulk from Asia. This is how Technoshock appeared: it pleased poor buyers with various promotions, and wealthy ones with the presence good choice"elite" technology.
A good profit for Oleg Tinkov was brought by the Darya dumplings factory (named after his daughter) and a chain of beer restaurants that attracted visitors with “live” unpasteurized beer and a glass wall through which one could observe the process of preparing the drink. It was know-how for Russia. Another marketing find is the organization of mass concerts in restaurants famous bands to increase beer sales.
Later, Tinkov found out that one of his Siberian ancestors was a brewer, and used this fact in foreign advertising for his elite beer brand Tinkoff. He even forged a page in the encyclopedia of Brockhaus and Efron, where it was said that a certain Porfiry Tinkov supplied beer to the imperial court. " Marketing is always such a thing that you can’t do without writing. Americans love stories like this.”, — many years later, the businessman commented on the fiction.
One of the principles of doing business according to Tinkov is not to be afraid to sell the company at a time when the peak of profitability has been passed, and the future decline is not yet obvious. Selling the previous business, Oleg Tinkov always found something more promising. So, in 2006, he founded the virtual bank Tinkov. Credit systems»
Tinkov is famous for his eccentricity. One day after good deal the millionaire ordered champagne for his clerks worth 13,000 rubles per bottle. Another time he arranged a bike ride right in the office. By the way, about the office. The walls of Tinkov’s office are covered with gold leaf, in the reception area there are nude figures from the outrageous artist Terry Rogers, and the company’s office from the inside resembles royal chambers thanks to the paintings in the style of Russian fairy tales.
Oleg Tinkov is married and has three children. He calls sleep his favorite type of recreation, and prefers to travel to mountainous areas, where he skis in winter and bikes in summer. Oleg Yurievich is an active blogger. He writes on LiveJournal and Twitter under the pseudonym olegtinkov.
Tinkov Oleg Yurievich has been a gossip columnist for more than a year. Being a successful and "advanced" businessman, Oleg Yuryevich is rightfully called one of the most talented businessmen. The name of the businessman has repeatedly been included in the lists of the well-known Forbes magazine as one of the most eccentric entrepreneurs in Russia and the CIS.
Who is he: an eccentric or a genius? We will try to find the answer to this question in our article.
Biography of Oleg Tinkov. Childhood and youth
Oleg Yurievich was born on December 25, 1967 in the city of Leninsk-Kuznetsky, Kemerovo Region. The city in which our hero was born was industrial, which is why almost his entire family had the working professions of miners. Oleg did not like the path of relatives, because the future business giant was already thinking about something completely different.
THE ENTREPRENEURSHIP WAS IN THE BLOOD, AND THEREFORE, THE FAMOUS BUSINESSMAN, WHEN STILL VERY YOUNG, WAS INTERESTED IN COMMERCE AND STUDYED ALL POSSIBLE TYPES OF EARNINGS.
After graduating from school, as expected, Oleg Yuryevich went into the army, to repay his fatherland. Tinkov served in the border troops. Having successfully served his term, he went to the city on the Neva.
St. Petersburg gave Tinkov priceless years of study at the Mining Institute. During his studies, the hero of our chronicle was already actively implementing his plans for the future, because it was then that many eminent entrepreneurs were among Tinkov's friends today. One can only be surprised at the sight of this person, while still a student in his circle of friends there were already such personalities as Andrey Rogachev, who is known to everyone as the founder of one of the largest retail chains Pyaterochka, Oleg Leonov, founder of the All-Russian retail network for the sale of electronic equipment Dixy "and Oleg Zherebtsov, owner of Lenta stores.
As they say, if a person is talented, then he is talented in everything. This definition is well suited to our hero, who, while still a student, began to get involved in road cycling, which would later become not only a hobby, but also a form of income for him.
Business secrets from Oleg Tinkov
The business biography of Oleg Tinkov began in his student years with the sale of alcohol to the hostel. It developed so rapidly that, thanks to his success in business, Oleg even left the Mining Institute in his third year. Among the types of business that this person tried on his way, there are a great many. So, for example, in 1992, after leaving the institute, he opened his own trading company, which sold Singaporean electronics.
WE WRITTEN IN THE VERY BEGINNING THAT OLEG YURIEVICH HAS A COMMERCIAL VEIN, IT IS REALLY SO. AFTER THE ELECTRONICS COMPANY, TINKOV IMPLEMENTED A PROJECT TO OPEN A RETAIL NETWORK IN ST.
After some time, stores selling musical products "MusicShock" and the recording company "Show Records" were added to them. By the way, the latter became quite famous, she collaborated with the group "Bricks" and the well-known performer Sergei Shnurov.
Business secrets with Oleg Tinkov are probably those secrets that everyone knows, namely perseverance and willpower, ingenuity and quick wit. It was thanks to his obstinacy and extraordinary mind that Tinkov achieved success, and probably not all of his projects became the projects of his life, but almost all of them are still working, albeit under a different direction. However, the eminent father who gave them life cannot be taken away from them. Oleg Yuryevich did not give up and always coped with all the difficulties himself, which gave him the opportunity to temper his character and, through trial and error, find his life's work. Tinkoff Bank has become not just a new Internet business product of this genius, but also his life's work, which constantly proves and clearly shows how to become successful in business.
A day in the life of Oleg Tinkov
The business empire of Oleg Yuryevich grew rapidly, but, despite this, in its original created form, it did not exist for long. For example, in 1997, Tinkov sold all existing business projects and began to work on others. One of the new brainchildren of a businessman was a well-known company that specialized in the manufacture and sale of Daria dumplings. Our hero owes many of his successes in the entrepreneurial field to this brand. Growing, this company began to gradually acquire debts, and the owner sold the existing business to another equally well-known businessman, Roman Abramovich. According to some sources, the amount Tinkov received from the sale of this enterprise was about $ 21 million, about seven million were spent on repaying debts, the rest were considered net income from the sale.
after sale trademark"DARYA", Oleg Yuryevich again began to engage in self-education. To do this, he went to the United States for some time, where in 2000 he took a marketing course (DIPLOMA MARKETING PROGRAM) at the University of California.
The mass media for a while lost the hero of numerous chronicles from their sights. Tinkov returned very soon and quickly burst into business circles, simply filled with new ideas.
A new brainchild, thoughts about which Oleg Yuryevich conceived in his head, while still in the USA, he realized both in Russia and abroad, in America that had already become his native. The Tinkoff brewing company has become a successful business project.
Familiar brand? Undoubtedly!
The Tinkoff brewery, in addition to its own factories, soon acquired a chain of restaurants. The sale of beer under this brand continues to this day both in Russia and in America.
Oleg Tinkov has always been distinguished by aggressive and eccentric advertising, the impudence of which, of course, attracts people's attention. The well-known phrase "vodka without beer, money down the drain" became the slogan of this enterprise. It was this slogan that was used by the marketing department of the brewing company itself. Although the business became quite successful, Tinkov sold it in 2005 to Mint Capital for $200 million.
Bank of Oleg Tinkov
After the sale of the brewing company, our hero begins to actively engage in the creation and development of a new project - Bank Tinkoff Credit Systems. It was thanks to this bank that the entire business community became interested in the biography of Oleg Tinkov. After founding " Tinkoff Credit Systems» Oleg gained worldwide popularity.
Cycling is a thin thread throughout Tinkov's life. And it was a sin not to create a business to which the soul lies so much, which is why this business was created, developed, and lives to this day. In addition to all hobbies, Oleg Yuryevich is an active user of the Internet, for example, Twitter.
Andrey Sharonov
The person who set the rules of the game for entrepreneurs, controlled them, was himself, but… https://t.co/R4kJieGuXL