<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema" xmlns:bafot.02.13="http://sbr.gov.au/icls/baf/bafot/bafot.02.13.data" xmlns:tech.01.03="http://sbr.gov.au/fdtn/sbr.01.03.tech" xmlns:dtyp.02.16="http://sbr.gov.au/fdtn/sbr.02.16.dtyp" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:xlink="http://www.w3.org/1999/xlink" targetNamespace="http://sbr.gov.au/icls/baf/bafot/bafot.02.13.data" elementFormDefault="qualified">
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.02.16.dtyp" schemaLocation="../../../fdtn/dtyp.sbr.02.16.xsd"/>
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../../../fdtn/tech.sbr.01.02.xsd"/>
    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.03.tech" schemaLocation="../../../fdtn/tech.sbr.01.03.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="bafotAbstract" id="bafot.02.13_bafotAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.CapitalInstrumentsTransitional.Amount" id="DE12838" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.CapitalisedDebtRaising.Amount" id="DE7683" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.CapitalisedInformationTechnologySoftware.Amount" id="DE7685" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.CapitalisedIssuingCapitalInstruments.Amount" id="DE7684" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.HoldingsOfOwnCapitalInstruments.Amount" id="DE12846" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.IntangibleAssetsOtherARF1100.Amount" id="DE7686" 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.Credit.AssetsDiscounts.Amount" id="DE13085" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" 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.GeneralReserveCreditLosses.Amount" id="DE13086" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" 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.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.ProvisionsImpairment.Amount" id="DE13083" 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.WriteOffPartial.Amount" id="DE13084" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
</xsd:schema>
