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<!--Created by Sturnis 365, Powered by IRIS Carbon, Unique Code 6246cfa454148f6a2028d5a9, Generated At Fri, 01 Apr 2022 10:14:13 GMT-->
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  <xsd:element name="PrimaryFinancialStatementTable" id="kbc_PrimaryFinancialStatementTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeBeforeTaxApplicationOfOverlayApproachOnEquityInstruments" id="kbc_OtherComprehensiveIncomeBeforeTaxApplicationOfOverlayApproachOnEquityInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeFairValueAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTaxApplicationOfOverlayApproach" id="kbc_OtherComprehensiveIncomeFairValueAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeNetOfTaxApplicationOfOverlayApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="OtherComprehensiveIncomeFairValueAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxApplicationOfOverlayApproach" id="kbc_OtherComprehensiveIncomeFairValueAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughOtherComprehensiveIncomeBeforeTaxApplicationOfOverlayApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="IncomeTaxRelatingToApplicationOfOverlayApproachOnEquityInstrumentsInOtherComprehensiveIncome" id="kbc_IncomeTaxRelatingToApplicationOfOverlayApproachOnEquityInstrumentsInOtherComprehensiveIncome" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentsOnApplicationOfOverlayApproachOnEquityInstrumentsBeforeTax" id="kbc_ReclassificationAdjustmentsOnApplicationOfOverlayApproachOnEquityInstrumentsBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToNetGainsOrLossesOnDisposalForOverlayApproach" id="kbc_ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToNetGainsOrLossesOnDisposalForOverlayApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToImpairmentForOverlayApproach" id="kbc_ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToImpairmentForOverlayApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="InAccordanceWithInternationalAccountingStandard39Member" id="kbc_InAccordanceWithInternationalAccountingStandard39Member" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="InAccordanceWithIFRS9WithoutOverlayMember" id="kbc_InAccordanceWithIFRS9WithoutOverlayMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToUnrealisedResultsThroughProfitOrLossForOverlayApproach" id="kbc_ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToUnrealisedResultsThroughProfitOrLossForOverlayApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FinalDividendPaidPerShare" id="kbc_FinalDividendPaidPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="InterimDividendPaidPerShare" id="kbc_InterimDividendPaidPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="RepaymentsOfBorrowingsUnderTargetedLongerTermRefinancingOperations" id="kbc_RepaymentsOfBorrowingsUnderTargetedLongerTermRefinancingOperations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="credit" xbrli:periodType="duration" />
  <xsd:element name="BorrowingsUnderTargetedLongerTermRefinancingOperations" id="kbc_BorrowingsUnderTargetedLongerTermRefinancingOperations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="AdditionalGrossDividendPerShare" id="kbc_AdditionalGrossDividendPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToRealisedAndUnrealisedChangesForOverlayApproachBeforeTax" id="kbc_ReclassificationAdjustmentsOnEquityInstrumentsMeasuredAtFairValueThroughProfitOrLossRelatedToRealisedAndUnrealisedChangesForOverlayApproachBeforeTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="OrdinaryDividendPerShare" id="kbc_OrdinaryDividendPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="DividendPayablePerShare" id="kbc_DividendPayablePerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="ExtraordinaryDividendPayablePerShare" id="kbc_ExtraordinaryDividendPayablePerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="NNsBulgarianPensionAndLifeInsuranceBusinessMember" id="kbc_NNsBulgarianPensionAndLifeInsuranceBusinessMember" type="nonnum:domainItemType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="duration" />
  <xsd:element name="AcquisitionOfSubsidiaryOrBusinessUnitNetOfCashAcquiredClassifiedAsInvestingActivities" id="kbc_AcquisitionOfSubsidiaryOrBusinessUnitNetOfCashAcquiredClassifiedAsInvestingActivities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="GrossDividendPerShare" id="kbc_GrossDividendPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="AdjustmentsForDepreciationImpairmentAndAmortisationOfPropertyAndEquipmentIntangibleFixedAssetsInvestmentPropertyAndSecurities" id="kbc_AdjustmentsForDepreciationImpairmentAndAmortisationOfPropertyAndEquipmentIntangibleFixedAssetsInvestmentPropertyAndSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="duration" />
  <xsd:element name="FirstInterimDividendPaidPerShare" id="kbc_FirstInterimDividendPaidPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="SecondInterimDividendPaidPerShare" id="kbc_SecondInterimDividendPaidPerShare" type="num:perShareItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:periodType="duration" />
  <xsd:element name="FinancialAssetsExcludingCashCashBalancesWithCentralBanksAndDemandDeposits" id="kbc_FinancialAssetsExcludingCashCashBalancesWithCentralBanksAndDemandDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" abstract="false" xbrli:balance="debit" xbrli:periodType="instant" />
</xsd:schema>