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<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
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    <xsd:element name="FinancialRisk.CapitalAdequacy.SecuritisationRelatedItemsOtherAndDeductibleCreditExposuresFiftyPercent.Amount" id="DE7998" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.SecuritisationStartUpAndEstablishmentCosts.Amount" id="DE7842" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.ShortfallProvisionsForCreditLossesIRBFiftyPercent.Amount" id="DE7711" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1AdjustmentsAPRAApprovedOther.Amount" id="DE7717" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1AttributableToMinorityInterests.Amount" id="DE7673" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1CapitalDeductions.Amount" id="DE7718" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1CapitalDeductionsOtherMRF120.Amount" id="DE8900" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1DeductionDuetoShortfallinTier2Capital.Amount" id="DE7705" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1Fundamental.Amount" id="DE7672" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1Gross.Amount" id="DE7677" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1GrossOtherMRF120.Amount" id="DE8899" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1Residual.Amount" id="DE7676" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1ResidualInnovative.Amount" id="DE7675" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1ResidualNonInnovative.Amount" id="DE7674" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier1SpecificDeductionsOtherARF11001AndARF11002.Amount" id="DE7706" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier2Deductions.Amount" id="DE7803" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier2DeductionsOtherAPRAAdvised.Amount" id="DE7802" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.CapitalAdequacy.Tier2Net.Amount" id="DE7801" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UndercapitalisedNonConsolidationSubsidiariesFiftyPercent.Amount" id="DE7713" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UnrealisedFairValueGainsNetEffectiveCashFlowHedges.Amount" id="DE7679" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UnsettledNonDvPTransactionsFiftyPercent.Amount" id="DE7712" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2APRAAdjustments.Amount" id="DE7730" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReserveEligibleComponentOfInvestments.Amount" id="DE8660" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReserveEligibleComponentOfInvestments45Percent.Amount" id="DE7728" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReserveOfInvestmentsInNonConsolidatedControlledEntities.Amount" id="DE8656" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReserveReadilyMarketableSecurities.Amount" id="DE7726" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReservesProperty.Amount" id="DE8659" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2AssetRevaluationReservesProperty45Percent.Amount" id="DE7727" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2Gross.Amount" id="DE7729" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2Net.Amount" id="DE7793" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2PerpetualCumulativeCapitalInstrumentsOtherARF1100.Amount" id="DE7723" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2PerpetualCumulativeCapitalInstrumentsOtherGRF1200.Amount" id="DE8652" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.UpperTier2PerpetualCumulativeCapitalInstrumentsPermanentNatureOtherGRF120.Amount" id="DE8653" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.AssetExposures.Amount" id="DE7826" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.AssetsSoldWithRecourse.Amount" id="DE7930" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnCorporateAndCommercialPublicSectorEntitiesExcludingEquity.Amount" id="DE7873" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnFixedAssetsUnderOperatingLease.Amount" id="DE7876" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedByOrSecuredAgainstAustralianCommonwealthGovernmentAustralianDollar.Amount" id="DE7859" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedByOrSecuredAgainstAustralianStateTerritoryAndOverseasGovernmentsAndForeignCurrencyClaimAustralianCommonwealthGovernment.Amount" id="DE7860" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedBySecuredAgainstADIsAndOverseasBanksExcludingEquity.Amount" id="DE7865" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedBySecuredAgainstInternationalBankingAgenciesAndMultilateralRegionalDevelopmentBanks.Amount" id="DE7864" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedBySecuredAgainstLocalGovernmentInAustraliaAndPublicSectorEntities.Amount" id="DE7862" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnGuaranteedBySecuredAgainstOverseasCentralBanksAndRBAForeignCurrency.Amount" id="DE7863" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsOnPrivateSectorEntitiesExcludingEquity.Amount" id="DE7874" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsSecuredAgainstEligibleResidentialMortgages.Amount" id="DE7855" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsSecuredAgainstNonStandardEligibleResidentialMortgagesNoMortgageInsurance.Amount" id="DE8154" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.ClaimsUnsecuredPortionWhereSpecificProvisionLessThanTwentyPercent.Amount" id="DE7870" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ClaimsUnsecuredPortionWhereSpecificProvisionNoLessThanTwentyPercent.Amount" id="DE7871" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditCardPastDue.Amount" id="DE7854" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryFourFacilities.Amount" id="DE7779" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryFourFacilities.Count" id="DE7778" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryOneFacilities.Amount" id="DE7775" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryThreeFacilities.Amount" id="DE7783" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryThreeFacilities.Count" id="DE7782" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryThreeFacilitiesAdjustedBalance.Amount" id="DE7787" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryTwoFacilities.Amount" id="DE7777" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresCategoryTwoFacilities.Count" id="DE7776" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNewlyImpaired.Amount" id="DE7744" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisions.Amount" id="DE7739" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsFullPerformance.Amount" id="DE7737" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsFullPerformanceIncomeForgone.Amount" id="DE7767" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsIncomeForgone.Amount" id="DE7768" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsNoPerformance.Amount" id="DE7735" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsNoPerformanceIncomeForgone.Amount" id="DE7765" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsPartialPerformance.Amount" id="DE7736" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithoutProvisionsSecurityHeld.Amount" id="DE7746" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsFullPerformance.Amount" id="DE7734" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsFullPerformanceIncomeForgone.Amount" id="DE7763" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsImpairment.Amount" id="DE7847" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsIncomeForgone.Amount" id="DE7764" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsNoPerformance.Amount" id="DE7732" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsNoPerformanceImpairment.Amount" id="DE7844" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsNoPerformanceIncomeForgone.Amount" id="DE7761" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsPartialPerformance.Amount" id="DE7733" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsPartialPerformanceImpairment.Amount" id="DE7845" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsPartialPerformanceIncomeForgone.Amount" id="DE7762" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresNonAccrualWithProvisionsSecurityHeld.Amount" id="DE7745" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOREO.Amount" id="DE7742" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOREOImpairment.Amount" id="DE7849" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOREOIncomeForgone.Amount" id="DE7771" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOtherAssets.Amount" id="DE7743" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOtherAssetsImpairment.Amount" id="DE7850" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresOtherAssetsIncomeForgone.Amount" id="DE7772" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresPersonalOtherARF2200.Amount" id="DE7773" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresPrescribedProvisioningFacilities.Amount" id="DE7781" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresPrescribedProvisioningFacilities.Count" id="DE7780" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithoutProvisions.Amount" id="DE7741" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithoutProvisionsIncomeForgone.Amount" id="DE7770" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithoutProvisionsSecurityHeld.Amount" id="DE7748" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithProvisions.Amount" id="DE7740" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithProvisionsImpairment.Amount" id="DE7848" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithProvisionsIncomeForgone.Amount" id="DE7769" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.CreditExposuresRestructuredWithProvisionsSecurityHeld.Amount" id="DE7747" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditFacilitiesPastDue.Amount" id="DE7856" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.CreditFacilitiesPastDueOtherARF2200Part2B.Amount" id="DE7861" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.DirectCreditSubstitutesBillEndorsements.Amount" id="DE7926" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.DirectCreditSubstitutesGuarantees.Amount" id="DE7924" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.DirectCreditSubstitutesOther.Amount" id="DE7927" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.DirectCreditSubstitutesStandbyLettersOfCredit.Amount" id="DE7925" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.DiscountsOnDefaultedAssetsNetOfDeferredTaxAssets.Amount" id="DE7823" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.EligibleCollateral.Amount" id="DE8810" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.EligibleCollateralGuaranteesLettersOfCreditRebateInvestmentRiskCharge.Amount" id="DE8629" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.EligibleCollateralRebateInvestmentRiskCharge.Amount" id="DE8811" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.EligibleProvisionsNetOfDeferredTaxAssets.Amount" id="DE7824" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.EquityExposures.Amount" id="DE7961" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExpectedLosses.Amount" id="DE7825" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.Exposures.Amount" id="DE7978" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresAPRAOtherAdjustments.Amount" id="DE7979" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresEligibleFacilitiesExclServicerCashAdvanceAndRevolvingWithEarlyAmortisation.Amount" id="DE7981" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExclRevolvingFacilitiesWithEarlyAmortisationProvision.Amount" id="DE7976" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExclRevolvingFacilitiesWithEarlyAmortisationProvision50Percent.Amount" id="DE8004" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExclRevolvingFacilitiesWithEarlyAmortisationProvisionAndOtherExceptions.Amount" id="DE7984" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExclRevolvingFacilitiesWithEarlyAmortisationProvisionAndOtherExceptions50Percent.Amount" id="DE7999" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExclSeniorPositionsEligibleSeniorFacilitiesAndTranchesBackedByNonGranularPoolsAndRevolvingFacilitiesWithEarlyAmortisationProvision.Amount" id="DE8003" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresExcludingEquityIRBApproach.Amount" id="DE7964" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresLeasesResidualValueRisk.Amount" id="DE7962" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresMostSeniorAndABCPSecuritisations.Amount" id="DE7980" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresOtherARF1134.Amount" id="DE7963" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresRevolvingWithEarlyAmortisationExclImmaterialHomeLoans.Amount" id="DE7977" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresSeniorAndABCPSecuritisationAndEligibleFacilitiesExclRevolvingEarlyAmortisation.Amount" id="DE7983" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresSeniorPositionsAndEligibleSeniorFacilitiesExclRevolvingFacilitiesWithEarlyAmortisationProvision.Amount" id="DE8001" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresServicerCashAdvanceFacilitiesExclRevolvingWithEarlyAmortisation.Amount" id="DE7982" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresTranchesBackedByNonGranularPoolsExclRevolvingFacilitiesWithEarlyAmortisationProvision.Amount" id="DE8002" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresWeightedAverageFirmSize.Amount" id="DE7953" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresWeightedAverageLGD.Percent" id="DE7954" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresWeightedAverageMaturity.Number" id="DE7952" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ExposuresWeightedAveragePD.Percent" id="DE7951" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.FixedAssetsIncludingInvestmentProperty.Amount" id="DE8157" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.FixedAssetsIncludingInvestmentPropertyAndAssetsUnderOperatingLeases.Amount" id="DE7875" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.GeneralReserveForCreditLosses.Amount" id="DE7805" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.GuaranteesLettersOfCreditRebateInvestmentRiskCharge.Amount" id="DE8812" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.GuaranteesLettersOfCreditReceived.Amount" id="DE8816" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.HQLAAdjustedLiabilityBase.Amount" id="DE7993" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.HQLARatio.Percent" id="DE7995" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.LendingOfSecuritiesOrPostingOfSecuritiesAsCollateralStandardisedApproach.Amount" id="DE7905" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.LoansAndAdvancesRebateInvestmentRiskChargeDirectors.Amount" id="DE8475" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.LoansAndAdvancesRebateInvestmentRiskChargeEmployees.Amount" id="DE8476" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.LoansAndAdvancesSecurityHeld.Amount" id="DE8474" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.LowestHQLARatio.Percent" id="DE7997" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Credit.MinimumTargetedHQLARatio.Percent" id="DE7996" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.NonMarketRelatedForwardAssetPurchases.Amount" id="DE7931" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.NoteIssuanceAndRevolvingUnderwritingFacilities.Amount" id="DE7908" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetBusiness.Amount" id="DE7937" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExpectedLosses.Amount" id="DE7945" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExpectedLossesPurchasedReceivables.Amount" id="DE7958" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExposures.Amount" id="DE7941" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExposuresWeightedAverageFirmSize.Amount" id="DE7946" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExposuresWeightedAverageLGD.Percent" id="DE7942" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExposuresWeightedAverageMaturity.Number" id="DE7943" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetExposuresWeightedAveragePD.Percent" id="DE7950" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetMarketRelatedContractsOtherARF1122A.Amount" id="DE7922" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetMarketRelatedExposures.Amount" id="DE7923" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedBusiness.Amount" id="DE7916" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedExposureCreditConversionFactorNot100Percent.Description" id="DE7947" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedExposures.Amount" id="DE7935" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedExposures.Description" id="DE7960" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedExposuresCreditConversionFactorNot100Percent.Amount" id="DE7948" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedOtherTransactionsARF1122A.Amount" id="DE7934" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedOtherTransactionsARF1181.Amount" id="DE8969" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetNonMarketRelatedOtherTransactionsGRF130L0.Amount" id="DE8814" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OffBalanceSheetPurchasedReceivables.Amount" id="DE7957" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExpectedLosses.Amount" id="DE7944" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExpectedLossesPurchasedReceivables.Amount" id="DE7956" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExposures.Amount" id="DE7814" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExposuresWeightedAverageLGD.Percent" id="DE7938" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExposuresWeightedAverageMaturity.Number" id="DE7939" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExposuresWeightedAveragePD.Percent" id="DE7949" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetExposureWeightedAverageFirmSize.Amount" id="DE7940" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OnBalanceSheetPurchasedReceivables.Amount" id="DE7955" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.OtherClaimsAndAssetsARF1121A.Amount" id="DE7877" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PartialWriteOffNetOfDeferredTaxAssets.Amount" id="DE7822" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PartlyPaidSharesAndSecurities.Amount" id="DE7906" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PastDueOtherARF2200Part2A.Amount" id="DE7808" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PerformanceRelatedContingencies.Amount" id="DE7904" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PlacementsOfForwardDeposits.Amount" id="DE7907" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryFour.Amount" id="DE7791" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryFour.Percent" id="DE7786" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryThree.Amount" id="DE7789" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryThree.Percent" id="DE7785" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryTwo.Amount" id="DE7790" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionCategoryTwo.Percent" id="DE7784" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.PrescribedProvisionTotal.Amount" id="DE7792" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ProvisionsNetOfDeferredTaxAssets.Amount" id="DE7821" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.RevolvingCreditPastDue.Amount" id="DE7807" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.SaleAndRepurchaseAgreements.Amount" id="DE7929" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.ScalingFactorIRBApproach.Number" id="DE7959" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.SoldCreditDerivativesExcludingDirectCreditSubstitutes.Amount" id="DE7909" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.SuretyBond.Amount" id="DE8813" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.TermLoansPastDue.Amount" id="DE7857" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.TradeRelatedContingencies.Amount" id="DE7928" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.UnsettledDeliveryVersusPaymentTransactions.Amount" id="DE7868" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.UnsettledDvPAndNonDvPTransactionsStandardisedApproach.Amount" id="DE7869" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Credit.UnsettledNonDeliveryVersusPaymentTransactions.Amount" id="DE8156" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDays.Amount" id="DE8083" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysCommodityPositions.Amount" id="DE8109" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysEquityPositions.Amount" id="DE8110" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysForeignExchangePositions.Amount" id="DE8108" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysForeignExchangePositionsDelta.Amount" id="DE8240" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysForeignExchangePositionsVolatility.Amount" id="DE8239" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysInterestRatePositions.Amount" id="DE8086" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysInterestRatePositionsDelta.Amount" id="DE8237" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysInterestRatePositionsVolatility.Amount" id="DE8238" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.AverageVaRPast60TradingDaysVolatility.Amount" id="DE8104" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CapitalChargeCommoditiesRisk.Amount" id="DE8143" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CapitalChargeEquityPositionRisk.Amount" id="DE8140" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CapitalChargeForeignExchangeRisk.Amount" id="DE8142" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CapitalChargeInterestRateRisk.Amount" id="DE8139" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CapitalRequirementOtherImposedByAPRA.Amount" id="DE8181" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.CommoditiesLongPositions.Amount" id="DE8040" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Market.CommoditiesShortPositions.Amount" id="DE8039" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.DailyLossFifthLargest.Amount" id="DE8051" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.DailyLossFifthLargest.Date" id="DE8061" type="xbrli:dateItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.DailyLossFourthLargest.Amount" id="DE8050" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.DailyLossFourthLargest.Date" id="DE8060" type="xbrli:dateItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.DailyLossLargest.Amount" id="DE8047" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
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    <xsd:element name="FinancialRisk.Market.DailyLossSecondLargest.Amount" id="DE8048" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
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    <xsd:element name="FinancialRisk.Market.DailyLossThirdLargest.Amount" id="DE8049" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.DailyLossThirdLargest.Date" id="DE8059" type="xbrli:dateItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.Market.EndOfPeriodVaRCommoditiesPositions.Amount" id="DE8090" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialRisk.Market.EndOfPeriodVaRInterestRatePositionsVolatility.Amount" id="DE8235" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.EquityPositions.Amount" id="DE8026" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyCommercial.Amount" id="DE8743" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyCommercialOtherARF2300.Amount" id="DE8742" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyCommercialResidential.Amount" id="DE8740" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyIndustrial.Amount" id="DE8738" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyLandDevelopment.Amount" id="DE8739" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyLeisure.Amount" id="DE8741" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyOffice.Amount" id="DE8736" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposureActualPropertyRetail.Amount" id="DE8737" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercial.Amount" id="DE8695" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialImpairment.Amount" id="DE8703" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialOtherARF2300.Amount" id="DE8694" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialOtherImpairmentARF3200.Amount" id="DE8702" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialOtherSecurityHeldARF2300.Amount" id="DE8709" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialResidential.Amount" id="DE8692" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialResidentialImpairment.Amount" id="DE8700" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialResidentialSecurityHeld.Amount" id="DE8708" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyCommercialSecurityHeld.Amount" id="DE8711" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyIndustrial.Amount" id="DE8690" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyIndustrialImpairment.Amount" id="DE8698" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyIndustrialSecurityHeld.Amount" id="DE8706" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLandDevelopment.Amount" id="DE8691" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLandDevelopmentImpairment.Amount" id="DE8699" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLandDevelopmentSecurityHeld.Amount" id="DE8707" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLeisure.Amount" id="DE8693" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLeisureImpairment.Amount" id="DE8701" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyLeisureSecurityHeld.Amount" id="DE8710" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyOffice.Amount" id="DE8688" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyOfficeImpairment.Amount" id="DE8696" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyOfficeSecurityHeld.Amount" id="DE8704" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyRetail.Amount" id="DE8689" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyRetailImpairment.Amount" id="DE8697" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ExposurePropertyRetailSecurityHeld.Amount" id="DE8705" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ForeignExchangeAndGoldPositions.Amount" id="DE8141" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ForeignExchangeHigherOfAggregateLongOrShortPositions.Amount" id="DE8034" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.ForeignExchangePositions.Amount" id="DE8033" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.GoldPositions.Amount" id="DE8035" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IncrementalDefaultRiskCharge.Amount" id="DE8105" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.InterestRateLongPositions.Amount" id="DE8021" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.InterestRatePositions.Amount" id="DE8111" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.InterestRateShockImpactOnEVBBExcludingEarningsOffset.Amount" id="DE8119" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.InterestRateShockImpactOnEVBBIncludingEarningsOffset.Amount" id="DE8120" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.InterestRateShortPositions.Amount" id="DE8020" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirement.Amount" id="DE8138" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementBasisRisk.Amount" id="DE8134" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeCurrencies.Amount" id="DE8127" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeOfCurrenciesBasisRisk.Amount" id="DE8123" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeOfCurrenciesDiversificationBenefitBetweenRisks.Amount" id="DE8125" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeOfCurrenciesEmbeddedLossOrGain.Amount" id="DE8137" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeOfCurrenciesOptionalityRisk.Amount" id="DE8124" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementCurrencyOrCompositeOfCurrenciesRepricingAndYieldCurveRisks.Amount" id="DE8121" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementDiversificationBenefitBetweenCurrencies.Amount" id="DE8132" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementDiversificationBenefitBetweenCurrenciesAndRisks.Amount" id="DE8131" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementDiversificationBenefitBetweenCurrenciesOnBasisRisk.Amount" id="DE8129" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.Market.IRRBBCapitalRequirementDiversificationBenefitBetweenCurrenciesOnOptionalityRisk.Amount" id="DE8130" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
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    <xsd:element name="FinancialServices.FirstHomeSaverAccountProvider.Text" id="DE8866" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialServices.InvestmentReturn.Percent" id="DE8892" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialServices.Insurance.AtypicalRiskClassType.Code" id="DE8950" type="dtyp.02.09:sbrAtypicalRiskClass" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.BasisUsedPremiumsLiabilities.Code" id="DE8852" type="dtyp.02.09:sbrBasisOfPreparation" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.CustomisedExemptionReason.Code" id="DE8951" type="dtyp.02.09:sbrCustomExemptionReason" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.ExemptionType.Code" id="DE8949" type="dtyp.02.09:sbrExemptionType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.PremiumInvoiced.Amount" id="DE8862" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialServices.Insurance.PremiumInvoiced.Date" id="DE8863" type="xbrli:dateItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialServices.Insurance.PremiumInvoicedEffective.Date" id="DE8864" type="xbrli:dateItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="Miscellaneous.CompositeOfImmaterialCurrencies.Description" id="DE8118" type="xbrli:stringItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="Miscellaneous.PreferredInvoiceFormat.Code" id="DE8667" type="dtyp.02.09:sbrInvoiceReceiptFormat" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.AssessedFitAndProper.Code" id="DE8662" type="dtyp.02.09:sbrYesNoInterim" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.Director.Indicator" id="DE8663" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceOutstandingClaims.Number" id="DE8553" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.InsuranceReportedClaims.Number" id="DE8552" type="xbrli:nonNegativeIntegerItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.InvestmentEntityValue.Amount" id="DE8336" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="RegulatoryDisclosures.NoLongerFitAndProper.Indicator" id="DE8661" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="RegulatoryDisclosures.SeniorOfficerOutsideAustralia.Indicator" id="DE8664" type="xbrli:booleanItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>
