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  <xs:element id="ERB_AcquisitionOfHoldingsInAssociatesAndJointVenturesAndParticipationsInCapitalIncreasesAndCapitalReturn" xbrli:periodType="duration" xbrli:balance="credit" name="AcquisitionOfHoldingsInAssociatesAndJointVenturesAndParticipationsInCapitalIncreasesAndCapitalReturn" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_DisposalOfHoldingsInAssociatesAndJointVentures" xbrli:periodType="duration" xbrli:balance="debit" name="DisposalOfHoldingsInAssociatesAndJointVentures" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsAndInvestmentProperty" xbrli:periodType="duration" xbrli:balance="credit" name="PurchaseOfPropertyPlantAndEquipmentIntangibleAssetsAndInvestmentProperty" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_RepaymentsProceedsFromDebtSecuritiesInIssue" xbrli:periodType="duration" xbrli:balance="debit" name="RepaymentsProceedsFromDebtSecuritiesInIssue" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_PurchaseSaleOfTreasurySharesAndExerciseOfShareOptions" xbrli:periodType="duration" xbrli:balance="debit" name="PurchaseSaleOfTreasurySharesAndExerciseOfShareOptions" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_EffectOfExchangeRateChangesOnCashAndCashEquivalentDiscontinuedOperations" xbrli:periodType="duration" xbrli:balance="debit" name="EffectOfExchangeRateChangesOnCashAndCashEquivalentDiscontinuedOperations" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType"></xs:element>
  <xs:element id="ERB_NotesInsuranceContractsIfrs17Abstract" xbrli:periodType="duration" abstract="true" name="NotesInsuranceContractsIfrs17Abstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType"></xs:element>
  <xs:element id="ERB_EtInsuranceIncomeTextBlock" xbrli:periodType="duration" name="EtInsuranceIncomeTextBlock" substitutionGroup="xbrli:item" type="dtr-types:textBlockItemType"></xs:element>
  <xs:element id="ERB_NotesFinancialInstrumentsAbstract" xbrli:periodType="duration" abstract="true" name="NotesFinancialInstrumentsAbstract" substitutionGroup="xbrli:item" type="xbrli:stringItemType"></xs:element>
</xs:schema>