<?xml version="1.0"?>
<!-- Edited with FutureStage XBRL Solution Library .NET 01-11 -->
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  <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" />
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  <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" />
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  <annotation>
    <appinfo>
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  <element id="jpcrp030000-asr_E33574-000_DisclosureOfSustainabilityRelatedFinancialInformationHeading" xbrli:periodType="duration" abstract="true" name="DisclosureOfSustainabilityRelatedFinancialInformationHeading" nillable="true" substitutionGroup="iod:identifierItem" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E33574-000_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xbrli:periodType="instant" abstract="false" name="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_GovernanceTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_StrategyTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xbrli:periodType="instant" abstract="false" name="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_MetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xbrli:periodType="instant" abstract="false" name="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_RiskManagementTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_MatsuokaNoriyukiMember" xbrli:periodType="duration" abstract="true" name="MatsuokaNoriyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_KanekoHiroyukiMember" xbrli:periodType="duration" abstract="true" name="KanekoHiroyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_KuromatsuAtsushiMember" xbrli:periodType="duration" abstract="true" name="KuromatsuAtsushiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_BabaMakotoMember" xbrli:periodType="duration" abstract="true" name="BabaMakotoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_TamuraYasuharuMember" xbrli:periodType="duration" abstract="true" name="TamuraYasuharuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_TsujiKazuyoshiMember" xbrli:periodType="duration" abstract="true" name="TsujiKazuyoshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_EshimaTakashiMember" xbrli:periodType="duration" abstract="true" name="EshimaTakashiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_NakagawaYasuakiMember" xbrli:periodType="duration" abstract="true" name="NakagawaYasuakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_KuriyamaFumihiroMember" xbrli:periodType="duration" abstract="true" name="KuriyamaFumihiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_GoHidenoriMember" xbrli:periodType="duration" abstract="true" name="GoHidenoriMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_OkaKoichiroMember" xbrli:periodType="duration" abstract="true" name="OkaKoichiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_MatsumotoHisayukiMember" xbrli:periodType="duration" abstract="true" name="MatsumotoHisayukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E33574-000_PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfDeemedHoldingsOfSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" xbrli:periodType="instant" abstract="false" name="PurposeOfShareholdingOverviewOfBusinessAllianceQuantitativeEffectsOfShareholdingAndReasonForIncreaseInNumberOfSharesDetailsOfDeemedHoldingsOfSharesHeldForPurposesOtherThanPureInvestmentReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E33574-000_NotesRegardingGainOnLiquidationOfAssociatesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingGainOnLiquidationOfAssociatesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_NotesRegardingSpecialRetirementExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingSpecialRetirementExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E33574-000_ReversalOfAllowanceForDoubtfulAccountsForSubsidiariesAndAffiliatesEI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ReversalOfAllowanceForDoubtfulAccountsForSubsidiariesAndAffiliatesEI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E33574-000_GainOnValuationOfInvestmentsInCapitalOfSubsidiariesAndAssociatesEI" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="GainOnValuationOfInvestmentsInCapitalOfSubsidiariesAndAssociatesEI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</schema>