<?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:bafot.02.32="http://sbr.gov.au/icls/baf/bafot/bafot.02.32.data" xmlns:tech.01.02="http://sbr.gov.au/fdtn/sbr.01.02.tech" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:dtyp.02.49="http://sbr.gov.au/fdtn/sbr.02.49.dtyp" 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.02.32.data" elementFormDefault="qualified">
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    <xsd:import namespace="http://sbr.gov.au/fdtn/sbr.01.02.tech" schemaLocation="../../../fdtn/tech.sbr.01.02.xsd"/>
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    <xsd:element name="FinancialRisk.APRADeterminedAvailableStableFundingFactor.Rate" id="DE14904" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.APRADeterminedRequiredStableFundingFactor.Rate" id="DE14903" type="xbrli:decimalItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalDeduction.Amount" id="DE14898" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.DailyAverageMinimumLiquidityHoldingsRatio.Percent" id="DE14861" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.ForeignCurrencyLiquidityCoverageRatio.Amount" id="DE14907" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.HighestMinimumLiquidityHoldingsRatio.Percent" id="DE14862" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.LiquidityCoverageRatioHighest.Percent" id="DE14905" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.LiquidityCoverageRatioMean.Percent" id="DE14906" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
    <xsd:element name="FinancialRisk.LowestLiquidityCoverageRatio.Percent" id="DE13296" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
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    <xsd:element name="FinancialRisk.MinimumBoardApprovedMinimumLiquidityHoldingsRatio.Percent" id="DE7996" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.MinimumTargetedLiquidityCoverageRatio.Percent" id="DE13295" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.NetStableFundingRatioRegulatoryCapital.Amount" id="DE14864" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
    <xsd:element name="FinancialRisk.CapitalAdequacy.TransitionalArrangementsForIneligibleBaselIIICapital.Amount" id="DE14863" type="xbrli:monetaryItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="instant"/>
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    <xsd:element name="RegulatoryDisclosures.LoanServiceabilityAssessmentRateWeightedAverage.Rate" id="DE14909" type="xbrli:pureItemType" block="substitution" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration"/>
</xsd:schema>
