Santander Consumer Bank AS (SCB AS) is a Norwegian commercial bank. It operates as a subsidiary of Santander Consumer Finance S.A. which is part of Spanish Banco Santander. Santander Consumer Bank is one of the most profitable banks in Norway in terms of return on equity. It also had branches in Sweden and Denmark, and a subsidiary in Finland. The company offers products within car and leisure finance as well as credit cards (Gebyrfri Visa, Santander Red, Flexi Visa, and Manchester United Visa), deposit products and personal loans. It finances every 10th car in Norway. With over 350 employees, the company has approximately NOK 136 billion in total assets.