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  <xsd:element id="jpcrp030000-asr_E02498-000_GainsLossesOnInvestmentSecuritiesFinanceIncomeCostsIFRS" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="GainsLossesOnInvestmentSecuritiesFinanceIncomeCostsIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TradeAccountsAndLoansReceivableCAIFRS" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="TradeAccountsAndLoansReceivableCAIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TradeAccountsAndLoansReceivableNCAIFRS" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="TradeAccountsAndLoansReceivableNCAIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_OtherEquityInstrumentsEquityIFRS" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="OtherEquityInstrumentsEquityIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_OtherComponentsOfEquityEquityIFRSAbstract" xbrli:periodType="duration" abstract="true" name="OtherComponentsOfEquityEquityIFRSAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_KokubuFumiyaMember" xbrli:periodType="duration" abstract="true" name="KokubuFumiyaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TakaharaIchiroMember" xbrli:periodType="duration" abstract="true" name="TakaharaIchiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_KakinokiMasumiMember" xbrli:periodType="duration" abstract="true" name="KakinokiMasumiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TerakawaAkiraMember" xbrli:periodType="duration" abstract="true" name="TerakawaAkiraMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_IshizukiMutsumiMember" xbrli:periodType="duration" abstract="true" name="IshizukiMutsumiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_FuruyaTakayukiMember" xbrli:periodType="duration" abstract="true" name="FuruyaTakayukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TakahashiKyoheiMember" xbrli:periodType="duration" abstract="true" name="TakahashiKyoheiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_OkinaYuriMember" xbrli:periodType="duration" abstract="true" name="OkinaYuriMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_HatchojiTakashiMember" xbrli:periodType="duration" abstract="true" name="HatchojiTakashiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_KiteraMasatoMember" xbrli:periodType="duration" abstract="true" name="KiteraMasatoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_IshizukaShigekiMember" xbrli:periodType="duration" abstract="true" name="IshizukaShigekiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_AndoHisayoshiMember" xbrli:periodType="duration" abstract="true" name="AndoHisayoshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_MinamiHikaruMember" xbrli:periodType="duration" abstract="true" name="MinamiHikaruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_KidaToshiakiMember" xbrli:periodType="duration" abstract="true" name="KidaToshiakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_YonedaTsuyoshiMember" xbrli:periodType="duration" abstract="true" name="YonedaTsuyoshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_KikuchiYoichiMember" xbrli:periodType="duration" abstract="true" name="KikuchiYoichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_NishiyamaShigeruMember" xbrli:periodType="duration" abstract="true" name="NishiyamaShigeruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_RestrictedShareAwardsWithMarketValueConditionsRemunerationByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="RestrictedShareAwardsWithMarketValueConditionsRemunerationByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_Revenue2KeyFinancialData" xbrli:periodType="duration" abstract="false" name="Revenue2KeyFinancialData" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E02498-000_TotalEquityIFRSSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="TotalEquityIFRSSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</xsd:schema>