<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
<schema xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:num="http://www.xbrl.org/dtr/type/numeric" xmlns:jpcrp030000-asr_E03763-000="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03763-000/2023-03-31/01/2023-06-26" xmlns:iod="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/iod" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" elementFormDefault="qualified" targetNamespace="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03763-000/2023-03-31/01/2023-06-26" xmlns="http://www.w3.org/2001/XMLSchema">
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/jpcrp_cor_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/jpcrp_rt_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_cor_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_rt_2022-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/identificationAndOrdering_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/common/2013-08-31/iod" />
  <import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/label/jpcrp_2022-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/label/jpcrp_2022-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2022-11-01/label/jpcrp_2022-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/label/jppfs_2022-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/label/jppfs_2022-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2022-11-01/label/jppfs_2022-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/r/jpdei_000100-000_2013-08-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03763-000_2023-03-31_01_2023-06-26_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03763-000_2023-03-31_01_2023-06-26_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03763-000_2023-03-31_01_2023-06-26_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03763-000_2023-03-31_01_2023-06-26_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03763-000_2023-03-31_01_2023-06-26_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <element id="jpcrp030000-asr_E03763-000_DisclosureOfSustainabilityRelatedFinancialInformationHeading" xbrli:periodType="duration" abstract="true" name="DisclosureOfSustainabilityRelatedFinancialInformationHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03763-000_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xbrli:periodType="instant" abstract="false" name="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_GovernanceTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_StrategyTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_RiskManagementTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_MetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_CommissionFeeReceivedSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="CommissionFeeReceivedSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_NetOperatingRevenueEarnedSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="NetOperatingRevenueEarnedSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_DividendToEquityRatioSummaryOfBusinessResults" xbrli:periodType="duration" abstract="false" name="DividendToEquityRatioSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp030000-asr_E03763-000_CapitalAdequacyRatioSummaryOfBusinessResults" xbrli:periodType="instant" abstract="false" name="CapitalAdequacyRatioSummaryOfBusinessResults" nillable="true" substitutionGroup="xbrli:item" type="num:percentItemType" />
  <element id="jpcrp030000-asr_E03763-000_FinancialSecuritiesBusinessMember" xbrli:periodType="duration" abstract="true" name="FinancialSecuritiesBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_AssetManagementBusinessMember" xbrli:periodType="duration" abstract="true" name="AssetManagementBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_InvestmentBusinessMember" xbrli:periodType="duration" abstract="true" name="InvestmentBusinessMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_ShibataYasuhiroMember" xbrli:periodType="duration" abstract="true" name="ShibataYasuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_AizawaTakuyaMember" xbrli:periodType="duration" abstract="true" name="AizawaTakuyaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_OhishiAtsushiMember" xbrli:periodType="duration" abstract="true" name="OhishiAtsushiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_MashibaKazuhiroMember" xbrli:periodType="duration" abstract="true" name="MashibaKazuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_ShirakiShinichiroMember" xbrli:periodType="duration" abstract="true" name="ShirakiShinichiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_TokuokaKunimiMember" xbrli:periodType="duration" abstract="true" name="TokuokaKunimiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_MasuiKiichiroMember" xbrli:periodType="duration" abstract="true" name="MasuiKiichiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_NijimaNaoiMember" xbrli:periodType="duration" abstract="true" name="NijimaNaoiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_HanahusaYukinoriMember" xbrli:periodType="duration" abstract="true" name="HanahusaYukinoriMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_SeikeMakiMember" xbrli:periodType="duration" abstract="true" name="SeikeMakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_OutsideDirectorExcludingAuditAndSupervisoryCommitteeMemberMember" xbrli:periodType="duration" abstract="true" name="OutsideDirectorExcludingAuditAndSupervisoryCommitteeMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_OutsideDirectorAuditAndSupervisoryCommitteeMemberMember" xbrli:periodType="duration" abstract="true" name="OutsideDirectorAuditAndSupervisoryCommitteeMemberMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfSpecifiedInvestmentSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" xbrli:periodType="instant" abstract="false" name="PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfSpecifiedInvestmentSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03763-000_ProfitDistributionsNOI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ProfitDistributionsNOI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_CanNOE" xbrli:periodType="duration" abstract="false" name="CanNOE" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_LossOnLiquidationOfInvestmentSecuritiesEL" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="LossOnLiquidationOfInvestmentSecuritiesEL" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_RestrictedStockUnit" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="RestrictedStockUnit" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_TreasuryStockPossessionOfStockOwnershipPlanTrust" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="TreasuryStockPossessionOfStockOwnershipPlanTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_DisposalOfTreasuryStockByOwnershipPlanTrust" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="DisposalOfTreasuryStockByOwnershipPlanTrust" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_GainOnReversalOfAssetRetirementObligationsOpeCF" xbrli:periodType="duration" abstract="false" name="GainOnReversalOfAssetRetirementObligationsOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_LossGainOnLiquidationOfInvestmentSecuritiesOpeCF" xbrli:periodType="duration" abstract="false" name="LossGainOnLiquidationOfInvestmentSecuritiesOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_DecreaseIncreaseInRealEstateForRentNetOpeCF" xbrli:periodType="duration" abstract="false" name="DecreaseIncreaseInRealEstateForRentNetOpeCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ProceedsFromShareIssuanceAccompanyingConsolidatedSubsidiariesEstablishmentToNonControllingShareholdersFinCF" xbrli:periodType="duration" abstract="false" name="ProceedsFromShareIssuanceAccompanyingConsolidatedSubsidiariesEstablishmentToNonControllingShareholdersFinCF" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_TheAmountOfPaymentOfTheDividendToNonControllingShareholdersProceedsFromShareIssuanceAccompanyingConsolidatedSubsidiariesEstablishmentToNonControllingShareholders" xbrli:periodType="duration" abstract="false" name="TheAmountOfPaymentOfTheDividendToNonControllingShareholdersProceedsFromShareIssuanceAccompanyingConsolidatedSubsidiariesEstablishmentToNonControllingShareholders" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_NotesRegardingOtherOperatingRevenueTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingOtherOperatingRevenueTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_NotesRegardingOtherOperatingExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingOtherOperatingExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03763-000_ExchangeMembershipFeeTradingRelatedExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="ExchangeMembershipFeeTradingRelatedExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_CommunicationAndFreightageExpensesTradingRelatedExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="CommunicationAndFreightageExpensesTradingRelatedExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_CompensationAndSalariesPersonnelExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="CompensationAndSalariesPersonnelExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_CommissionTypeRegisteredRepresentativePersonnelExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="CommissionTypeRegisteredRepresentativePersonnelExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_OtherCompensationAndSalariesPersonnelExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="OtherCompensationAndSalariesPersonnelExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_RealEstateRentRealEstateExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="RealEstateRentRealEstateExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_EquipmentExpensesRealEstateExpensesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="EquipmentExpensesRealEstateExpensesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_FixedAssetTaxTaxesAndDuesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="FixedAssetTaxTaxesAndDuesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_StampTaxExpensesTaxesAndDuesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="StampTaxExpensesTaxesAndDuesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ConsumptionTax" xbrli:periodType="duration" abstract="false" name="ConsumptionTax" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_OtherTaxesAndDuesSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="OtherTaxesAndDuesSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_InformationSalesOtherDetailsSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="InformationSalesOtherDetailsSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_AmortizationOfGoodwill" xbrli:periodType="duration" abstract="false" name="AmortizationOfGoodwill" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_OtherOtherSGA" xbrli:balance="debit" xbrli:periodType="duration" abstract="false" name="OtherOtherSGA" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_OperatingRevenueFromExternalCustomers" xbrli:periodType="duration" abstract="false" name="OperatingRevenueFromExternalCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_InternalOperatingRevenueOrTransferred" xbrli:periodType="duration" abstract="false" name="InternalOperatingRevenueOrTransferred" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ConsultingFeeIncomeOperatingRevenue" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ConsultingFeeIncomeOperatingRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_InterestOnLoansReceivableFromSubsidiariesAndAssociatesOperatingRevenue" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="InterestOnLoansReceivableFromSubsidiariesAndAssociatesOperatingRevenue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_RevenueFromShareLendingOfAffiliatedCompaniesNOI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="RevenueFromShareLendingOfAffiliatedCompaniesNOI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ReserveForRepairsMember" xbrli:periodType="duration" abstract="true" name="ReserveForRepairsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_ReserveForReductionEntryOfReplacedLandMember" xbrli:periodType="duration" abstract="true" name="ReserveForReductionEntryOfReplacedLandMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03763-000_ReversalOfReserveForRepairingReserve" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ReversalOfReserveForRepairingReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ProvisionOfReserveForReductionEntryOfReplacedLand" xbrli:periodType="duration" abstract="false" name="ProvisionOfReserveForReductionEntryOfReplacedLand" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ReversalOfReserveForReductionEntryOfReplacedLand" xbrli:periodType="duration" abstract="false" name="ReversalOfReserveForReductionEntryOfReplacedLand" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03763-000_ProvisionsIncludedInPersonnelExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="ProvisionsIncludedInPersonnelExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>