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  <xsd:element id="sov_LoansAndLeasesReceivablePercentageOfTotalLoanBalance" name="LoansAndLeasesReceivablePercentageOfTotalLoanBalance" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant" />
  <xsd:element abstract="true" id="sov_LoansHeldForSaleMember" name="LoansHeldForSaleMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
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  <xsd:element id="sov_LoansReceivableHeldforsaleNetFairValueOption" name="LoansReceivableHeldforsaleNetFairValueOption" 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 id="sov_LoansandLeasesReceivableIncludingHeldforSaleCommercialNetofDeferredIncome" name="LoansandLeasesReceivableIncludingHeldforSaleCommercialNetofDeferredIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" />
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  <xsd:element abstract="true" id="sov_WarehouseLinedueJuly2017withChryslerCapitalforLoansMember" name="WarehouseLinedueJuly2017withChryslerCapitalforLoansMember" 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_WarehouseLinedueJune2017Member" name="WarehouseLinedueJune2017Member" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" xbrli:periodType="duration" />
  <xsd:element abstract="true" id="sov_WarehouseLinedueMarch2018Member" name="WarehouseLinedueMarch2018Member" 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_WarehouseLinedueSeptember2017Member" name="WarehouseLinedueSeptember2017Member" 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>