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        <link:definition>BILANCA</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.adriatic-osiguranje.hr/role/PROMJENEKAPITALA" id="PROMJENEKAPITALA">
        <link:definition>PROMJENE KAPITALA</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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      <link:roleType roleURI="https://www.adriatic-osiguranje.hr/role/SVEOBUHVATNADOBIT" id="SVEOBUHVATNADOBIT">
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        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
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        <link:definition>esef_role-000000_reported</link:definition>
        <link:usedOn>link:presentationLink</link:usedOn>
      </link:roleType>
      <link:roleType roleURI="https://www.adriatic-osiguranje.hr/role/Anchoring" id="Anchoring">
        <link:definition>Anchoring</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
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  <xsd:element id="JDOS_IzdaciZaOsiguraneSlucajeveUdioReosiguranja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="IzdaciZaOsiguraneSlucajeveUdioReosiguranja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PromjenaPricuvaZaSteteUdioReosiguranja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PromjenaPricuvaZaSteteUdioReosiguranja" substitutionGroup="xbrli:item" />
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  <xsd:element id="JDOS_TroskoviPribave" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="TroskoviPribave" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_NetoDobiciIzRevalorizacijeZemljistaIGradevinaZaObavljanjeDjelatnosti" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" name="NetoDobiciIzRevalorizacijeZemljistaIGradevinaZaObavljanjeDjelatnosti" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_NetoGubitakDobitakOdUkidanjaRevalorizacijskePricuveZemljistaIGradevina" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" name="NetoGubitakDobitakOdUkidanjaRevalorizacijskePricuveZemljistaIGradevina" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_NetoGubitakDobitOdPovecanjaFerVrijednostiFinancijskeImovineRaspoloziveZaProdaju" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" name="NetoGubitakDobitOdPovecanjaFerVrijednostiFinancijskeImovineRaspoloziveZaProdaju" substitutionGroup="xbrli:item" />
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  <xsd:element id="JDOS_OdgodenaITekucaPoreznaImovina" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" name="OdgodenaITekucaPoreznaImovina" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PotrazivanjaIzNeposrednihPoslovaOsiguranja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" name="PotrazivanjaIzNeposrednihPoslovaOsiguranja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PotrazivanjaIzPoslovaSuosiguranjaIReosiguranja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="instant" name="PotrazivanjaIzPoslovaSuosiguranjaIReosiguranja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_DobitTekucegRazdoblja" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" name="DobitTekucegRazdoblja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PricuvaStetaBrutoIznos" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" name="PricuvaStetaBrutoIznos" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_TehnickePricuve" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" name="TehnickePricuve" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_OdgodenaITekucaPoreznaObveza" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" name="OdgodenaITekucaPoreznaObveza" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_ObvezeProizasleIzPoslovaReosiguranja" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="instant" name="ObvezeProizasleIzPoslovaReosiguranja" substitutionGroup="xbrli:item" />
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  <xsd:element id="JDOS_RealizacijaRevalorizacijskihPricuva" type="xbrli:monetaryItemType" xbrli:balance="credit" xbrli:periodType="duration" name="RealizacijaRevalorizacijskihPricuva" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_DobitakTekucegRazdoblja" type="nonnum:domainItemType" xbrli:periodType="duration" abstract="true" name="DobitakTekucegRazdoblja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_RevalorizacijskePricuveNekretnine" type="nonnum:domainItemType" xbrli:periodType="duration" abstract="true" name="RevalorizacijskePricuveNekretnine" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_AmortizacijaNekretninaIOpreme" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="AmortizacijaNekretninaIOpreme" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_AmortizacijaNematerijalneImovine" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="AmortizacijaNematerijalneImovine" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjeUlaganjaRaspolozivihZaProdaju" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjeUlaganjaRaspolozivihZaProdaju" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjeDepozitaZajmovaIPotrazivanja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjeDepozitaZajmovaIPotrazivanja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjePlacenihTroskovaBuducegRazdoblja" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjePlacenihTroskovaBuducegRazdoblja" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjeTehnickihPricuva" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjeTehnickihPricuva" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjePoreznihObveza" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjePoreznihObveza" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjeOdgodenogPlacanjaTroskova" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjeOdgodenogPlacanjaTroskova" substitutionGroup="xbrli:item" />
  <xsd:element id="JDOS_PovecanjeSmanjenjeFinancijskihObveza" type="xbrli:monetaryItemType" xbrli:balance="debit" xbrli:periodType="duration" name="PovecanjeSmanjenjeFinancijskihObveza" substitutionGroup="xbrli:item" />
</xsd:schema>