Tinkoff Credit Systems Bank (TCS Bank) is a modern, well-managed financial institution specializing in the consumer lending in all of Russia's regions. TCS Bank has taken the best practices of banks throughout the world with a mission to provide the highest standards of customer service. The Bank is owned by five shareholders: Mr. Oleg Tinkov, Goldman Sachs, Vostok Nafta, Baring Vostok Capital Partners and Horizon Capital.