<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:AssetQuality.02.05="http://sbr.gov.au/dims/AssetQuality.02.05.dims" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/dims/AssetQuality.02.05.dims" elementFormDefault="qualified">
    <xsd:annotation>
        <xsd:appinfo>
            <link:linkbaseRef xlink:type="simple" xlink:href="AssetQuality.02.05.labLink.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase"/>
        </xsd:appinfo>
    </xsd:annotation>
    <xsd:import namespace="http://xbrl.org/2005/xbrldt" schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd"/>
    <xsd:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd"/>
    <xsd:element name="NotPastDue90DOrImpaired" id="DV4383" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue182DLT273D" id="DV4456" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue90DLT182D" id="DV4457" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDueGTE90DLT1Y" id="DV4547" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDue90DImpaired" id="DV4715" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDueGT6MLT2YEvent" id="DV4805" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NotPastDueGT6M" id="DV4806" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDueGT2ndBalDate" id="DV4807" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue60DLT90D" id="DV4824" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue30DLT60D" id="DV4825" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDueGT46D" id="DV4887" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDue31DLT46D" id="DV4888" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDue16DLT31D" id="DV4889" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDue5DLT16D" id="DV4890" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDueLT5D" id="DV4891" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDueLT90D" id="DV4892" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NotImpaired" id="DV4894" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDue90DAndOrImpairedExceedingExposureLimit" id="DV5085" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDue90DAndOrImpairedNotExceedingExposureLimit" id="DV5120" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDueGTE182D" id="DV5122" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue14DLT90D" id="DV5123" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDueGTE365D" id="DV5124" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDueLT14D" id="DV5125" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PrescribedPastDue273DLT365D" id="DV5126" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SettlementPastDueGT5D" id="DV6053" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDueMoreThan6Months" id="DV6054" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NotPastDueOnOrAfterThe2ndAnnualBalanceDateAfterEvent" id="DV6056" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Illiquid" id="DV7132" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDue90D" id="DV4893" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PastDue90DOrImpaired" id="DV5121" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NinetyDaysOrMorePastDue" id="DV8362" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Impaired" id="DV4895" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ThirtyToEightyNineDaysPastDue" id="DV8363" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AssetQualityDimension" id="DM401" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
</xsd:schema>
