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  <xsd:element id="sov_DerivativeAssetFairValueAmountOffsetAgainstCollateralSubjectToMasterNettingArrangementOrSimilarArrangement" name="DerivativeAssetFairValueAmountOffsetAgainstCollateralSubjectToMasterNettingArrangementOrSimilarArrangement" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element id="sov_LoansReceivableWithFixedRatesOfInterestPercentageOfTotalLoanBalance" name="LoansReceivableWithFixedRatesOfInterestPercentageOfTotalLoanBalance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_MiddleMarketCommercialRealEstateLoansMember" name="MiddleMarketCommercialRealEstateLoansMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" 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 id="sov_OtherComprehensiveIncomeLossReclassificationAdjustmentfromAOCIforSaleofNonOTTISecuritiesNetofTax" name="OtherComprehensiveIncomeLossReclassificationAdjustmentfromAOCIforSaleofNonOTTISecuritiesNetofTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" />
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  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountOtherAssets" name="VariableInterestEntityConsolidatedCarryingAmountOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountOtherLiabilities" name="VariableInterestEntityConsolidatedCarryingAmountOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" />
  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountPropertySubjecttoorAvailableforOperatingLeaseNet" name="VariableInterestEntityConsolidatedCarryingAmountPropertySubjecttoorAvailableforOperatingLeaseNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountRestrictedCash" name="VariableInterestEntityConsolidatedCarryingAmountRestrictedCash" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountRetailInstallmentContractsHeldforSaleNet" name="VariableInterestEntityConsolidatedCarryingAmountRetailInstallmentContractsHeldforSaleNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element id="sov_VariableInterestEntityConsolidatedCarryingAmountRetailInstallmentContractsNet" name="VariableInterestEntityConsolidatedCarryingAmountRetailInstallmentContractsNet" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_VariableInterestEntityandSecuritizationsAbstract" name="VariableInterestEntityandSecuritizationsAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" xbrli:periodType="duration" />
  <xsd:element id="sov_VehicleInventoryFairValueDisclosure" name="VehicleInventoryFairValueDisclosure" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_ViolationofServiceMembersCivilReliefActMember" name="ViolationofServiceMembersCivilReliefActMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueDecember20151Member" name="WarehouseLinedueDecember20151Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueDecember2016Member" name="WarehouseLinedueDecember2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueJune2015Member" name="WarehouseLinedueJune2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueJune2016Member" name="WarehouseLinedueJune2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueJune2016withChryslerCapitalMember" name="WarehouseLinedueJune2016withChryslerCapitalMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueMarch2015Member" name="WarehouseLinedueMarch2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueMay2015Member" name="WarehouseLinedueMay2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueNovember20162Member" name="WarehouseLinedueNovember20162Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueNovember2016Member" name="WarehouseLinedueNovember2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueOctober2016Member" name="WarehouseLinedueOctober2016Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueSeptember2015Member" name="WarehouseLinedueSeptember2015Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueonVariousDatesMember" name="WarehouseLinedueonVariousDatesMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
</xsd:schema>
</XBRL>