Ob''yedinennye Kreditnye Sistemy PAO (OKS PAO or United Credit Systems PJSC), formerly Ob''yedinennye Kreditnye Sistemy OAO is a Russia-based holding company. The Company is engaged in investing in securities of other companies. Its services portfolio is divided into banking services, insurance activites and leasing. It has such subsidiaries as AKB Absolyut Bank OAO, ZHASO OAO, SK BLAGOSOSTOYANIYE ZAO and TransFin-M PAO. The Company operates domestically.