<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <annotation>
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  <element id="jpcrp030000-asr_E03567-000_LeasingReportableSegmentsMember" xbrli:periodType="duration" abstract="true" name="LeasingReportableSegmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_HayashiMasahiroMember" xbrli:periodType="duration" abstract="true" name="HayashiMasahiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_YuasaToruMember" xbrli:periodType="duration" abstract="true" name="YuasaToruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_HasegawaEiichiMember" xbrli:periodType="duration" abstract="true" name="HasegawaEiichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_WatanabeOsamuMember" xbrli:periodType="duration" abstract="true" name="WatanabeOsamuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_SatakeNoriyukiMember" xbrli:periodType="duration" abstract="true" name="SatakeNoriyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_YoshidaMasatakeMember" xbrli:periodType="duration" abstract="true" name="YoshidaMasatakeMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_UchikamiKazuhiroMember" xbrli:periodType="duration" abstract="true" name="UchikamiKazuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_NanboMasaruMember" xbrli:periodType="duration" abstract="true" name="NanboMasaruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_MitsuyaYukoMember" xbrli:periodType="duration" abstract="true" name="MitsuyaYukoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_OkadaShinMember" xbrli:periodType="duration" abstract="true" name="OkadaShinMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
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  <element id="jpcrp030000-asr_E03567-000_SawadaYoshitoMember" xbrli:periodType="duration" abstract="true" name="SawadaYoshitoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_KobayashiYoshihitoMember" xbrli:periodType="duration" abstract="true" name="KobayashiYoshihitoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03567-000_VariableRemuneration" xbrli:periodType="duration" abstract="false" name="VariableRemuneration" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_ProvisionForEarthquakeResistantLoss" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForEarthquakeResistantLoss" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_ReversalOfProvisionForEarthquakeResistantLossEI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ReversalOfProvisionForEarthquakeResistantLossEI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_ProvisionForShareBasedRemunerationForDirectorsAndOtherOfficersEL" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="ProvisionForShareBasedRemunerationForDirectorsAndOtherOfficersEL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_IncreaseDecreaseInNetDefinedBenefitLiabilityOpeCFBNK" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInNetDefinedBenefitLiabilityOpeCFBNK" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_IncreaseDecreaseInProvisionForEarthquakeResistantLossOpeCFBNK" xbrli:periodType="duration" abstract="false" name="IncreaseDecreaseInProvisionForEarthquakeResistantLossOpeCFBNK" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03567-000_NotesRegardingGeneralAndAdministrativeExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingGeneralAndAdministrativeExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>