<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:CptlAdqcyApprch.02.01="http://sbr.gov.au/dims/CptlAdqcyApprch.02.01.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/CptlAdqcyApprch.02.01.dims" elementFormDefault="qualified">
    <xsd:annotation>
        <xsd:appinfo>
            <link:linkbaseRef xlink:type="simple" xlink:href="CptlAdqcyApprch.02.01.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="IRB" id="DV5041" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Standardised" id="DV5042" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AMA" id="DV5052" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Simplified" id="DV6087" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CapitalAdequacyApproachDimension" id="DM418" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
</xsd:schema>