<?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:CtgryOfExpsr.02.10="http://sbr.gov.au/dims/CtgryOfExpsr.02.10.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/CtgryOfExpsr.02.10.dims" elementFormDefault="qualified">
    <xsd:annotation>
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    <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="Reinsurance" id="DV6104" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="LifeInsurancePolicyByRelatedParty" id="DV6106" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BankBills" id="DV6107" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PolicyReinsurerOSBus" id="DV6108" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BankBillsAssetsGuaranteedOSGovt" id="DV6109" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ReinsuranceArrangement" id="DV6111" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SecurityLoanReinsureG1To3RealEstateIncomeProducingProperty" id="DV6112" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherActivelyTradedSecurity" id="DV6113" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PolicySpecialReinsureGrade1To3AgreementTime" id="DV6114" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherExposure" id="DV6115" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
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    <xsd:element name="GuaranteedCurrencyProvincialGovernment" id="DV6117" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CombinationMultipleExposures" id="DV6118" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="GuaranteedByGovernment" id="DV6119" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Property" id="DV6120" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OutstandingPremiums" id="DV6121" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonTradedSecLoanReinsurance" id="DV6122" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PolicySpecialReinsureGrade1To3" id="DV6123" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PolicyNonRelated" id="DV6125" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Deposits" id="DV6110" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SelfSecuritisedAssets" id="DV7251" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ForeignSovereigns" id="DV7255" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="ForeignGovernment" id="DV7259" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NotSelfIssuedSecuritisedAssets" id="DV7261" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherDebtIssuedSecurities" id="DV7262" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Supranational" id="DV7264" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AssetBackedSecurities" id="DV7266" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PublicSectorEntities" id="DV7268" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CorporateSecurities" id="DV7269" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PublicSectorEntityOrMultilateralDevelopmentBank" id="DV7271" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AssetBackedCommercialPaperAssetBackedSecuritiesCoveredBondsAndOtherStructuredFinancing" id="DV7273" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AustralianAndForeignSovereignGovernmentGuaranteed" id="DV7275" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="DebtSecurity" id="DV7276" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AuthorisedDepositTakingInstitutionIssuedSecurities" id="DV7278" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SupranationalsAndForeignGovernment" id="DV7279" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="EuroCommercialPaper" id="DV7280" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="USCommercialPaper" id="DV7282" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BankForInternationalSettlementInternationalMonetaryFundEuropeanCentralBankEuropeanCommunityMultilateralDevelopmentBanks" id="DV7293" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SupranationalPlusForeignGovernmentIssuedAndAustralianAndForeignGovernmentGuaranteed" id="DV7295" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SovereignCentralBank" id="DV7296" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CentralBanks" id="DV7297" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AssetBackedCommercialPaper" id="DV7298" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherPrivateSecurities" id="DV7299" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="GuaranteedByAustralianGovernment" id="DV7300" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="GuaranteedByNonAustralianSovereigns" id="DV7301" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SuperannuationDepositsThatMeetsOperationalDeposits" id="DV8271" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="LiquidityIntermediatedDeposits" id="DV8272" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonSuperannuationDepositsDoNotMeetOperationalDeposits" id="DV8273" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="RMBS" id="DV8274" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherRBARepoEligibleSecurities" id="DV8275" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CommonShareEquity" id="DV8276" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CertificatesOfDepositBankBillsOtherShortTermDebtSecurities" id="DV8277" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherOffshoreCentralBankRepoEligibleSecurities" id="DV8278" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AustralianStateGovernmentOrTerritoryCentralBorrowingAuthorities" id="DV7292" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SuperannuationFundDeposits" id="DV8279" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AustralianGovernment" id="DV7294" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonSuperannuationFundDeposits" id="DV8280" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonRMBS" id="DV8281" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BankBillsCommercialPaperAndOtherNonDepositObligations" id="DV8282" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Loans" id="DV8368" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="HybridSecurities" id="DV8369" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="MembersWithdrawableShares" id="DV8370" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="PreferenceShares" id="DV8371" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="FinanceLeases" id="DV8372" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherFinancialInstitutionsSecurities" id="DV8373" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SecuritiesOtherInterestEarningAssets" id="DV8374" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="FinanceLeasesBillAcceptances" id="DV8375" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonFinancialCorporatesSecurities" id="DV8376" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NonBankAuthorisedDepositTakingInstitutionSecurities" id="DV8377" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SemiGovernmentSecurities" id="DV8378" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NegotiableCertificateOfDeposit" id="DV7281" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="DebtSecuritiesNotNonNegotiableCertificatesOfDeposit" id="DV8379" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BillsOfExchangeBankAccepted" id="DV8380" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BillsOfExchangeNotBankAccepted" id="DV8381" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="DebtSecuritiesNotBillsOfExchange" id="DV8382" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CommercialPaper" id="DV8383" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="LoansAndFinanceLeases" id="DV8384" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BillsOfExchange" id="DV8535" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="DebtSecuritiesNotBillsOfExchangeNotNegotiableCertificatesOfDeposit" id="DV8574" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="LoansFinanceLeasesBillAcceptances" id="DV8575" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="SeniorUnsecuredDebt" id="DV8576" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherInterestBearingLiabilities" id="DV8577" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="Tier2CapitalInstruments" id="DV8578" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AdditionalTier1CapitalInstruments" id="DV8579" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherHybridSecuritiesAndSubordinatedDebt" id="DV8580" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="LoansAndAdvances" id="DV8692" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="MarketRelated" id="DV8693" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherNotLoansAndAdvances" id="DV8694" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="NotMarketRelated" id="DV8695" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CommercialRealEstate" id="DV8822" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="AustralianGovernmentStateGovernmentOrTerritoryCentralBorrowingAuthorities" id="DV8835" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="BankBillsCommercialPaperNegotiableCertificateOfDepositsOther" id="DV8836" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="RelatedEquityInvestmentADI" id="DV9032" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="OtherNotRelatedEquityInvestmentADI" id="DV9033" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CoveredBond" id="DV7302" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CategoryOfExposureDimension" id="DM538" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="CategoryOfExposureCollateralGuaranteeDimension" id="DM578" type="xbrli:stringItemType" substitutionGroup="xbrldt:dimensionItem" abstract="true" xbrli:periodType="instant"/>
</xsd:schema>
