<?xml version="1.0" encoding="utf-8"?>
<xs:schema xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:bksbankag="http://bksbankag.com/xbrl/2024" xmlns:xbrli="http://www.xbrl.org/2003/instance" targetNamespace="http://bksbankag.com/xbrl/2024" xmlns:xs="http://www.w3.org/2001/XMLSchema">
  <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="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="bksbankag-2024-12-31_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="bksbankag-2024-12-31_lab-de.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="bksbankag-2024-12-31_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="bksbankag-2024-12-31_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-de.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-de.xml" xlink:type="simple" />
      <link:roleType id="GewinnUndVerlustrechnung" roleURI="http://bksbankag.com/xbrl/2024/roles/GewinnUndVerlustrechnung">
        <link:definition>01 - Gewinn- und Verlustrechnung</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="SonstigesErgebnisUndGesamtergebnis" roleURI="http://bksbankag.com/xbrl/2024/roles/SonstigesErgebnisUndGesamtergebnis">
        <link:definition>02 - Sonstiges Ergebnis und Gesamtergebnis</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="GewinnUndDividendeJeAktie" roleURI="http://bksbankag.com/xbrl/2024/roles/GewinnUndDividendeJeAktie">
        <link:definition>03 - Gewinn und Dividende je Aktie</link:definition>
        <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://bksbankag.com/xbrl/2024/roles/NotesAndMandatoryItems">
        <link:definition>04 - 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>
      <link:roleType id="Bilanz" roleURI="http://bksbankag.com/xbrl/2024/roles/Bilanz">
        <link:definition>05 - Bilanz</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="EntwicklungDesKonzerneigenkapitals" roleURI="http://bksbankag.com/xbrl/2024/roles/EntwicklungDesKonzerneigenkapitals">
        <link:definition>06 - Entwicklung des Konzerneigenkapitals</link:definition>
        <link:usedOn>link:definitionLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:labelLink</link:usedOn>
      </link:roleType>
      <link:roleType id="KonzernGeldflussrechnung" roleURI="http://bksbankag.com/xbrl/2024/roles/KonzernGeldflussrechnung">
        <link:definition>07 - Konzern-Geldflussrechnung</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="Anchoring" roleURI="http://bksbankag.com/xbrl/2024/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>
    </xs:appinfo>
  </xs:annotation>
  <xs:element id="bksbankag_OtherInterestIncomeAndOtherSimilarIncome" xbrli:balance="credit" xbrli:periodType="duration" name="OtherInterestIncomeAndOtherSimilarIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_NetInterestIncomeAfterImpairmentCharges" xbrli:balance="credit" xbrli:periodType="duration" name="NetInterestIncomeAfterImpairmentCharges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_NetTradingIncome" xbrli:balance="credit" xbrli:periodType="duration" name="NetTradingIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_GeneralAdministrativeExpenses" xbrli:balance="debit" xbrli:periodType="duration" name="GeneralAdministrativeExpenses" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ProfitLossFromFinancialAssetsLiabilities" xbrli:balance="credit" xbrli:periodType="duration" name="ProfitLossFromFinancialAssetsLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ProfitLossFromFinancialInstrumentsDesignatedAtFairValue" xbrli:balance="credit" xbrli:periodType="duration" name="ProfitLossFromFinancialInstrumentsDesignatedAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValue" xbrli:balance="credit" xbrli:periodType="duration" name="ChangesInTheFairValueOfDebtInstrumentsMeasuredAtFairValue" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_SharesAndOtherNonInterestBearingSecurities" xbrli:balance="debit" xbrli:periodType="instant" name="SharesAndOtherNonInterestBearingSecurities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_PropertyPlandAndEquipment" xbrli:balance="debit" xbrli:periodType="instant" name="PropertyPlandAndEquipment" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_SavingDeposits" xbrli:balance="credit" xbrli:periodType="instant" name="SavingDeposits" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_EffectOfTheEquityMethod" xbrli:balance="credit" xbrli:periodType="duration" name="EffectOfTheEquityMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_IssuanceOfAdditionalEquityInstruments" xbrli:balance="credit" xbrli:periodType="duration" name="IssuanceOfAdditionalEquityInstruments" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_OtherChanges" xbrli:balance="credit" xbrli:periodType="duration" name="OtherChanges" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_TaxOnReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" xbrli:balance="debit" xbrli:periodType="instant" name="TaxOnReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncome" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeExclReservesOfAssociatesAccountedForUsingTheEquityMethod" xbrli:balance="credit" xbrli:periodType="instant" name="ReserveOfGainsAndLossesOnFinancialAssetsMeasuredAtFairValueThroughOtherComprehensiveIncomeExclReservesOfAssociatesAccountedForUsingTheEquityMethod" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_GainsAndLossesOnDisposals" xbrli:balance="credit" xbrli:periodType="duration" name="GainsAndLossesOnDisposals" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ResultAfterAdjustmentsForNonCashItems" xbrli:balance="credit" xbrli:periodType="duration" name="ResultAfterAdjustmentsForNonCashItems" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ReceivablesFromBanksAndCustomers" xbrli:balance="credit" xbrli:periodType="duration" name="ReceivablesFromBanksAndCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_PayablesToBanksAndCustomers" xbrli:balance="debit" xbrli:periodType="duration" name="PayablesToBanksAndCustomers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_ProvisionsAndOtherLiabilities" xbrli:balance="debit" xbrli:periodType="duration" name="ProvisionsAndOtherLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_DebtSecuritiesAndOtherFixedInterestSecuritiesInflow" xbrli:balance="debit" xbrli:periodType="duration" name="DebtSecuritiesAndOtherFixedInterestSecuritiesInflow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_SharesAndOtherNonInterestBearingSecuritiesInflow" xbrli:balance="debit" xbrli:periodType="duration" name="SharesAndOtherNonInterestBearingSecuritiesInflow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_DebtSecuritiesAndOtherFixedInterestSecuritiesOutflow" xbrli:balance="credit" xbrli:periodType="duration" name="DebtSecuritiesAndOtherFixedInterestSecuritiesOutflow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_SharesAndOtherNonInterestBearingSecuritiesOutflow" xbrli:balance="credit" xbrli:periodType="duration" name="SharesAndOtherNonInterestBearingSecuritiesOutflow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_FixedAssetsOwnedOutflow" xbrli:balance="credit" xbrli:periodType="duration" name="FixedAssetsOwnedOutflow" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_RepurchaseTreasuryShares" xbrli:balance="credit" xbrli:periodType="duration" name="RepurchaseTreasuryShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_InflowFromTheSaleOfTreasuryShares" xbrli:balance="debit" xbrli:periodType="duration" name="InflowFromTheSaleOfTreasuryShares" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_CashInflowFromSubordinatedLiabilitiesAndLiabilitiesEvidencedByPaper" xbrli:balance="debit" xbrli:periodType="duration" name="CashInflowFromSubordinatedLiabilitiesAndLiabilitiesEvidencedByPaper" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <xs:element id="bksbankag_CashOutflowOnSubordinatedLiabilitiesAndLiabilitiesEvidencedByPaper" xbrli:balance="credit" xbrli:periodType="duration" name="CashOutflowOnSubordinatedLiabilitiesAndLiabilitiesEvidencedByPaper" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
</xs:schema>