<?xml version="1.0" encoding="utf-8"?>
<xs:schema xmlns:nngr="http://nngroup.com" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://nngroup.com" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:dtr="http://www.xbrl.org/dtr/type/2020-01-21">
  <xs:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <xs:import schemaLocation="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor.xsd" namespace="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor" />
  <xs:import schemaLocation="http://www.xbrl.org/lrr/arcrole/esma-arcrole-2018-11-21.xsd" namespace="http://www.esma.europa.eu/xbrl/esef/arcrole/wider-narrower" />
  <xs:import schemaLocation="https://www.xbrl.org/dtr/type/2020-01-21/types.xsd" namespace="http://www.xbrl.org/dtr/type/2020-01-21" />
  <xs:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nngr-2023-12-31_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nngr-2023-12-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nngr-2023-12-31_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="nngr-2023-12-31_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor-lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="https://www.esma.europa.eu/taxonomy/2022-03-24/esef_cor-gen-en.xml" xlink:type="simple" />
      <link:roleType id="Anchoring" roleURI="http://nngroup.com/roles/Anchoring">
        <link:definition>99 - Groups all anchored elements</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfFinancialPosition" roleURI="http://nngroup.com/roles/StatementOfFinancialPosition">
        <link:definition>01 - Statement of financial position</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="ProfitOrLoss" roleURI="http://nngroup.com/roles/ProfitOrLoss">
        <link:definition>02 - Profit or loss</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfComprehensiveIncome" roleURI="http://nngroup.com/roles/StatementOfComprehensiveIncome">
        <link:definition>03 - Statement of comprehensive income</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfCashFlows" roleURI="http://nngroup.com/roles/StatementOfCashFlows">
        <link:definition>04 - Statement of cash flows</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="StatementOfChangesInEquity" roleURI="http://nngroup.com/roles/StatementOfChangesInEquity">
        <link:definition>05 - Statement of changes in equity</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="NotesAndMandatoryItems" roleURI="http://nngroup.com/roles/NotesAndMandatoryItems">
        <link:definition>06 - Notes and Mandatory Items</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="nngr_InsuranceIncomePremiumAllocationApproach" xbrli:balance="credit" xbrli:periodType="duration" name="InsuranceIncomePremiumAllocationApproach" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ExpectedAttributableExpenses" xbrli:balance="credit" xbrli:periodType="duration" name="ExpectedAttributableExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_Funding" xbrli:balance="credit" xbrli:periodType="instant" name="Funding" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_Other" xbrli:balance="credit" xbrli:periodType="instant" name="Other" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_IncurredAttributableExpenses" xbrli:balance="credit" xbrli:periodType="duration" name="IncurredAttributableExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InsuranceAndInvestmentContracts" xbrli:balance="credit" xbrli:periodType="instant" name="InsuranceAndInvestmentContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_TotalOtherAssets" xbrli:balance="debit" xbrli:periodType="instant" name="TotalOtherAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InsuranceAndReinsuranceContractsAssets" xbrli:balance="debit" xbrli:periodType="instant" name="InsuranceAndReinsuranceContractsAssets" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_Investments" xbrli:balance="debit" xbrli:periodType="instant" name="Investments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ExpectedClaimsAndBenefits" xbrli:balance="credit" xbrli:periodType="duration" name="ExpectedClaimsAndBenefits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ImpactNetOfTaxOfIFRS9" xbrli:balance="credit" xbrli:periodType="instant" name="ImpactNetOfTaxOfIFRS9" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InsuranceExpensesPremiumAllocationApproach" xbrli:balance="credit" xbrli:periodType="duration" name="InsuranceExpensesPremiumAllocationApproach" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InterestIncome" xbrli:balance="credit" xbrli:periodType="duration" name="InterestIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_NetResultFromDiscontinuedOperations" xbrli:balance="credit" xbrli:periodType="duration" name="NetResultFromDiscontinuedOperations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_OtherInvestmentResult" xbrli:balance="credit" xbrli:periodType="duration" name="OtherInvestmentResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentResult" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_FinanceResultOnReInsuranceContracts" xbrli:balance="credit" xbrli:periodType="duration" name="FinanceResultOnReInsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ResultOnInvestmentContracts" xbrli:balance="credit" xbrli:periodType="duration" name="ResultOnInvestmentContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_OtherFinanceResult" xbrli:balance="credit" xbrli:periodType="duration" name="OtherFinanceResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_FinanceResult" xbrli:balance="credit" xbrli:periodType="duration" name="FinanceResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_NetInvestmentResult" xbrli:balance="credit" xbrli:periodType="duration" name="NetInvestmentResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RevaluationsOnDebtSecuritiesAtFairValueThroughOCI" xbrli:balance="credit" xbrli:periodType="duration" name="RevaluationsOnDebtSecuritiesAtFairValueThroughOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_OtherResult" xbrli:balance="credit" xbrli:periodType="duration" name="OtherResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_CouponOnUndatedSubordinatedNotesClassifiedAsFinancingActivities" xbrli:balance="credit" xbrli:periodType="duration" name="CouponOnUndatedSubordinatedNotesClassifiedAsFinancingActivities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RealisedGainsLossesOnInvestmentsAtCostAndAtFairValueThroughOCI" xbrli:balance="credit" xbrli:periodType="duration" name="RealisedGainsLossesOnInvestmentsAtCostAndAtFairValueThroughOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_NetResultFromDisposalOfDiscontinuedOperations" xbrli:balance="credit" xbrli:periodType="duration" name="NetResultFromDisposalOfDiscontinuedOperations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtFairValueThroughOCIDisposals" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtFairValueThroughOCIDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtFairValueThroughProfitOrLossInvestments" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtFairValueThroughProfitOrLossInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtCostChange" xbrli:balance="debit" xbrli:periodType="duration" name="InvestmentsAtCostChange" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtFairValueThroughOCIInvestments" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtFairValueThroughOCIInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtCostDisposals" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtCostDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_NetPremiumsClaimsAndAttributableExpensesOnReInsuranceContracts" xbrli:balance="credit" xbrli:periodType="duration" name="NetPremiumsClaimsAndAttributableExpensesOnReInsuranceContracts" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RealisedResultsAndImpairmentsOnInvestments" xbrli:balance="credit" xbrli:periodType="duration" name="RealisedResultsAndImpairmentsOnInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RealisedGainsLossesTransferredToTheProfitAndLossAccount" xbrli:balance="credit" xbrli:periodType="duration" name="RealisedGainsLossesTransferredToTheProfitAndLossAccount" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RevaluationsOnLoansAtFairValueThroughOCI" xbrli:balance="credit" xbrli:periodType="duration" name="RevaluationsOnLoansAtFairValueThroughOCI" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtCostInvestments" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtCostInvestments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_NetInsuranceResult" xbrli:balance="credit" xbrli:periodType="duration" name="NetInsuranceResult" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ChangesInTheCompositionOfTheGroupAndOtherChanges" xbrli:balance="credit" xbrli:periodType="duration" name="ChangesInTheCompositionOfTheGroupAndOtherChanges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RepaymentsOfSubordinatedNotes" xbrli:balance="credit" xbrli:periodType="duration" name="RepaymentsOfSubordinatedNotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_InvestmentsAtFairValueThroughProfitOrLossDisposals" xbrli:balance="credit" xbrli:periodType="duration" name="InvestmentsAtFairValueThroughProfitOrLossDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_CashAndCashEquivalentsAtBeginningOfTheYearWithoutHeldForSale" xbrli:balance="credit" xbrli:periodType="instant" name="CashAndCashEquivalentsAtBeginningOfTheYearWithoutHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_CashAndCashEquivalentsAtBeginningOfTheYearClassifiedAsAssetsHeldForSale" xbrli:balance="credit" xbrli:periodType="instant" name="CashAndCashEquivalentsAtBeginningOfTheYearClassifiedAsAssetsHeldForSale" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_UndatedSubordinatedNotesMember" xbrli:periodType="duration" abstract="true" name="UndatedSubordinatedNotesMember" nillable="true" substitutionGroup="xbrli:item" type="dtr:domainItemType" />
  <xs:element id="nngr_IssuanceRedemptionUndatedSubordinatedNotes" xbrli:balance="credit" xbrli:periodType="duration" name="IssuanceRedemptionUndatedSubordinatedNotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ChangesInShareCapital" xbrli:balance="credit" xbrli:periodType="duration" name="ChangesInShareCapital" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_EmployeeStockOptionAndSharePlans" xbrli:balance="credit" xbrli:periodType="duration" name="EmployeeStockOptionAndSharePlans" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_CouponOnUndatedSubordinatedNotes" xbrli:balance="credit" xbrli:periodType="duration" name="CouponOnUndatedSubordinatedNotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ProfitLossBeforeTaxFromContinuingOperations" xbrli:balance="credit" xbrli:periodType="duration" name="ProfitLossBeforeTaxFromContinuingOperations" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_RepaymentsOfUndatedSubordinatedNotes" xbrli:balance="credit" xbrli:periodType="duration" name="RepaymentsOfUndatedSubordinatedNotes" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="nngr_ImpactNetOfTaxOfIFRS17" xbrli:balance="credit" xbrli:periodType="instant" name="ImpactNetOfTaxOfIFRS17" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</xs:schema>