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  <xsd:element id="sov_LoansSoldWithRecourseUnpaidPrincipalBalance" name="LoansSoldWithRecourseUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivableIncludingHeldforSaleCommercialNetofDeferredIncome" name="LoansandLeasesReceivableIncludingHeldforSaleCommercialNetofDeferredIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivableNetDiscounts" name="LoansandLeasesReceivableNetDiscounts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivablePurchaseMarks" name="LoansandLeasesReceivablePurchaseMarks" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivablePurchaseMarksFairValueOption" name="LoansandLeasesReceivablePurchaseMarksFairValueOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivableUnpaidPrincipalBalance" name="LoansandLeasesReceivableUnpaidPrincipalBalance" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_LoansandLeasesReceivableUnpaidPrincipalBalanceExcludingFairValueOption" name="LoansandLeasesReceivableUnpaidPrincipalBalanceExcludingFairValueOption" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_LostEquityforEachRepossessionMember" name="LostEquityforEachRepossessionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_LowIncomeHousingTaxCreditInvestment" name="LowIncomeHousingTaxCreditInvestment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_LtvOf8001To90Member" name="LtvOf8001To90Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_LtvOf9001To100Member" name="LtvOf9001To100Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MiddleMarketCommercialRealEstateLoansMember" name="MiddleMarketCommercialRealEstateLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_MinimumAnnualRevenuetoServiceCorporation" name="MinimumAnnualRevenuetoServiceCorporation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_MinimumSalesCommitmentLoansReceivableWrittenOff" name="MinimumSalesCommitmentLoansReceivableWrittenOff" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_MinimumSalesCommitmentLoansReceivableWrittenOffRemaining" name="MinimumSalesCommitmentLoansReceivableWrittenOffRemaining" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_MortgageBankingDerivativesMember" name="MortgageBankingDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MortgageBankingIncomeMember" name="MortgageBankingIncomeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MortgageServicingRightsDerivativeContractMember" name="MortgageServicingRightsDerivativeContractMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MortgageServicingRightsMember" name="MortgageServicingRightsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MultiFamilyCommercialLoansMember" name="MultiFamilyCommercialLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_MunicipalLoansMember" name="MunicipalLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="sov_NetChangeInReserveForUnfundedCommitments" name="NetChangeInReserveForUnfundedCommitments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="sov_NetGainLossOnInvestmentSecuritiesRecognizedInEarnings" name="NetGainLossOnInvestmentSecuritiesRecognizedInEarnings" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
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  <xsd:element id="sov_NetLossOnRealEstateOwnedAndPremisesAndEquipment" name="NetLossOnRealEstateOwnedAndPremisesAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element id="sov_NumberofTransactionsRelatedtoLawsuitSeekingRefundofTaxesPaid" name="NumberofTransactionsRelatedtoLawsuitSeekingRefundofTaxesPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:integerItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_OtherConsumerLoansMember" name="OtherConsumerLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_OtherIntermediateHoldingCompanyEntitiesMember" name="OtherIntermediateHoldingCompanyEntitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_OtherThirdPartiesMember" name="OtherThirdPartiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_OvernightFundsPurchaseDueWithinOneYearMember" name="OvernightFundsPurchaseDueWithinOneYearMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="sov_PercentageOfLevel3AssetsToTotalAssetsHeldAtFairValue" name="PercentageOfLevel3AssetsToTotalAssetsHeldAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="sov_PercentageofInterestbearingDepositLiabilitiestoDeposit" name="PercentageofInterestbearingDepositLiabilitiestoDeposit" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="sov_PercentageofInterestbearingDepositLiabilitiestoDepositsMoneyMarket" name="PercentageofInterestbearingDepositLiabilitiestoDepositsMoneyMarket" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="sov_PercentageofInterestbearingDepositLiabilitiestoDepositsSavings" name="PercentageofInterestbearingDepositLiabilitiestoDepositsSavings" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element id="sov_PercentageofNoninterestbearingDepositLiabilitiestoDepositsDemand" name="PercentageofNoninterestbearingDepositLiabilitiestoDepositsDemand" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element id="sov_PledgedRestrictedCashSeparatelyReportedSecuritiesPledgedUnderLetterOfCreditFacilitiesAtFairValue" name="PledgedRestrictedCashSeparatelyReportedSecuritiesPledgedUnderLetterOfCreditFacilitiesAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_PreferredStockDividendsCashPaid" name="PreferredStockDividendsCashPaid" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PrivatelyIssuedAmortizingNotesdueonVariousDatesMember" name="PrivatelyIssuedAmortizingNotesdueonVariousDatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_ProceedsFromSalesOfRealEstateOwnedAndPremisesAndEquipment" name="ProceedsFromSalesOfRealEstateOwnedAndPremisesAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element id="sov_ProceedsfromSecuritizationofRetailInstallmentContracts" name="ProceedsfromSecuritizationofRetailInstallmentContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element id="sov_PropertySubjecttoorAvailableforOperatingLeaseGrossIncludingInitialDirectCostsandManufacturerSubventionPayments" name="PropertySubjecttoorAvailableforOperatingLeaseGrossIncludingInitialDirectCostsandManufacturerSubventionPayments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element id="sov_PropertySubjecttoorAvailableforOperatingLeaseOriginationFeesandOtherCosts" name="PropertySubjecttoorAvailableforOperatingLeaseOriginationFeesandOtherCosts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_ProvisionForLoanAndLeaseLossesMember" name="ProvisionForLoanAndLeaseLossesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PublicFundDepositsMember" name="PublicFundDepositsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PublicSecuritizationsdueonVariousDatesMember" name="PublicSecuritizationsdueonVariousDatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PuertoRicoClosedEndFundsShareholderDerivativeandClassActionMember" name="PuertoRicoClosedEndFundsShareholderDerivativeandClassActionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PuertoRicoFINRAArbitrationsMember" name="PuertoRicoFINRAArbitrationsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_PurchaseCommitmentExerciseofRepurchaseRightsRetainerRate" name="PurchaseCommitmentExerciseofRepurchaseRightsRetainerRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_PurchaseCommitmentRepurchaseRate" name="PurchaseCommitmentRepurchaseRate" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PurchaserNameAxis" name="PurchaserNameAxis" nillable="true" substitutionGroup="xbrldt:dimensionItem" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_PurchaserNameDomain" name="PurchaserNameDomain" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RateReductionMember" name="RateReductionMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RealizedGainsLossesNetSaleofInvestmentSecurities" name="RealizedGainsLossesNetSaleofInvestmentSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element id="sov_RelatedPartyTransactionProceedsPayableUponConsummation" name="RelatedPartyTransactionProceedsPayableUponConsummation" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_RelatedPartyTransactionTermsMinimumPledgedCollateraltoOutstandingPrincipalRequirementDefaultRepaymentofOutstandingPrincipalPercentage" name="RelatedPartyTransactionTermsMinimumPledgedCollateraltoOutstandingPrincipalRequirementDefaultRepaymentofOutstandingPrincipalPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RelatedPartyTransactionTermsMinimumPledgedCollateraltoOutstandingPrincipalRequirementPercentage" name="RelatedPartyTransactionTermsMinimumPledgedCollateraltoOutstandingPrincipalRequirementPercentage" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RelatedPartyTransactionsCommonStockPledgedasCollateralShares" name="RelatedPartyTransactionsCommonStockPledgedasCollateralShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:sharesItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RepossessedVehicles" name="RepossessedVehicles" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_RepurchaseAgreementsAndHedgingActivitiesMember" name="RepurchaseAgreementsAndHedgingActivitiesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_RepurchaseFacilityDueMarch2018Member" name="RepurchaseFacilityDueMarch2018Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RepurchaseFacilityDueNovember2017Member" name="RepurchaseFacilityDueNovember2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_RepurchaseFacilitydueDecember2017Member" name="RepurchaseFacilitydueDecember2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RepurchaseofOutstandingLoans" name="RepurchaseofOutstandingLoans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_ResidentialMortgageBackedSecuritiesIssuedByOtherGovermentAgenciesMember" name="ResidentialMortgageBackedSecuritiesIssuedByOtherGovermentAgenciesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_RetailInstallmentContractsHeldforinvestmentMember" name="RetailInstallmentContractsHeldforinvestmentMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element abstract="true" id="sov_RetailInstallmentContractsOriginatedMember" name="RetailInstallmentContractsOriginatedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RetailInstallmentContractsPurchasedMember" name="RetailInstallmentContractsPurchasedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RetailInstallmentContractsandAutoLoansMember" name="RetailInstallmentContractsandAutoLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RetailInstallmentContractsandAutoLoansOriginatedMember" name="RetailInstallmentContractsandAutoLoansOriginatedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RetailInstallmentContractsandAutoLoansPurchasedMember" name="RetailInstallmentContractsandAutoLoansPurchasedMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_RetailInstallmentPortfolioMember" name="RetailInstallmentPortfolioMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_RetainedCreditRiskMultifamilyServicing" name="RetainedCreditRiskMultifamilyServicing" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_RevenueSharingPaymentsandGainSharingPaymentstoFCAMember" name="RevenueSharingPaymentsandGainSharingPaymentstoFCAMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_SCDerivativesMember" name="SCDerivativesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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</xsd:schema>
</XBRL>