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  <xsd:element id="jpcrp030000-asr_E33624-000_InsuranceAssetsIFRSAssetsIFRS" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="InsuranceAssetsIFRSAssetsIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_FinancialGuaranteeContractsLiabilitiesIFRS" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="FinancialGuaranteeContractsLiabilitiesIFRS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_MonetaryCompensationRemunerationEtcByCategoryOfDirectorsAndOtherOfficersAbstract" xbrli:periodType="duration" abstract="true" name="MonetaryCompensationRemunerationEtcByCategoryOfDirectorsAndOtherOfficersAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_ShortTermIncentiveRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="ShortTermIncentiveRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_NonMonetaryCompensationRemunerationEtcByCategoryOfDirectorsAndOtherOfficersAbstract" xbrli:periodType="duration" abstract="true" name="NonMonetaryCompensationRemunerationEtcByCategoryOfDirectorsAndOtherOfficersAbstract" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_LongTermIncentiveRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="LongTermIncentiveRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_YohichiShibataMember" xbrli:periodType="duration" abstract="true" name="YohichiShibataMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_KanazawaTomohiroMember" xbrli:periodType="duration" abstract="true" name="KanazawaTomohiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_OnukiToruMember" xbrli:periodType="duration" abstract="true" name="OnukiToruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_NakagawaTsuguhiroMember" xbrli:periodType="duration" abstract="true" name="NakagawaTsuguhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_HorikoshiYukaMember" xbrli:periodType="duration" abstract="true" name="HorikoshiYukaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_OshimaHiromiMember" xbrli:periodType="duration" abstract="true" name="OshimaHiromiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_KametsuToshihiroMember" xbrli:periodType="duration" abstract="true" name="KametsuToshihiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_HiguchiSetsuoMember" xbrli:periodType="duration" abstract="true" name="HiguchiSetsuoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <xsd:element id="jpcrp030000-asr_E33624-000_MoriwakiToshikazuMember" xbrli:periodType="duration" abstract="true" name="MoriwakiToshikazuMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
</xsd:schema>