<?xml version="1.0"?>
<!-- XBRL Document Created with WizLabo Platform -->
<schema xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:jpcrp030000-asr_E03583-000="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03583-000/2025-03-31/02/2025-06-25" elementFormDefault="qualified" targetNamespace="http://disclosure.edinet-fsa.go.jp/jpcrp030000/asr/001/E03583-000/2025-03-31/02/2025-06-25" xmlns="http://www.w3.org/2001/XMLSchema">
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/jpcrp_cor_2024-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/jpcrp_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/jpcrp_rt_2024-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/jpcrp_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/jppfs_cor_2024-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/jppfs_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/jppfs_rt_2024-11-01.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/jppfs_rt" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_cor" />
  <import schemaLocation="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt_2013-08-31.xsd" namespace="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/jpdei_rt" />
  <import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
  <import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
  <annotation>
    <appinfo>
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/label/jpcrp_2024-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/label/jpcrp_2024-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpcrp/2024-11-01/label/jpcrp_2024-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/label/jppfs_2024-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/label/jppfs_2024-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jppfs/2024-11-01/label/jppfs_2024-11-01_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2024-11-01_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2024-11-01_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/label/jpdei_2013-08-31_gla.xml" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpdei/2013-08-31/r/jpdei_000100-000_2013-08-31_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03583-000_2025-03-31_02_2025-06-25_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03583-000_2025-03-31_02_2025-06-25_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03583-000_2025-03-31_02_2025-06-25_cal.xml" xlink:role="http://www.xbrl.org/2003/role/calculationLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03583-000_2025-03-31_02_2025-06-25_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:type="simple" xlink:href="jpcrp030000-asr-001_E03583-000_2025-03-31_02_2025-06-25_lab-en.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </appinfo>
  </annotation>
  <element id="jpcrp030000-asr_E03583-000_GovernanceRespondingToClimateChangeTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceRespondingToClimateChangeTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_StrategyRespondingToClimateChangeTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyRespondingToClimateChangeTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_RiskManagementRespondingToClimateChangeTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementRespondingToClimateChangeTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_MetricsAndTargetsRespondingToClimateChangeTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsRespondingToClimateChangeTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_StrategyHumanCapitalTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyHumanCapitalTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyHumanCapitalTextBlock" xbrli:periodType="instant" abstract="false" name="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyHumanCapitalTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsHumanCapitalTextBlock" xbrli:periodType="instant" abstract="false" name="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsHumanCapitalTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_GovernanceCyberSecurityTextBlock" xbrli:periodType="instant" abstract="false" name="GovernanceCyberSecurityTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_StrategyCyberSecurityTextBlock" xbrli:periodType="instant" abstract="false" name="StrategyCyberSecurityTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_RiskManagementCyberSecurityTextBlock" xbrli:periodType="instant" abstract="false" name="RiskManagementCyberSecurityTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_MetricsAndTargetsCyberSecurityTextBlock" xbrli:periodType="instant" abstract="false" name="MetricsAndTargetsCyberSecurityTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_BankingBusinessReportableSegmentsMember" xbrli:periodType="duration" abstract="true" name="BankingBusinessReportableSegmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_LeasingBusinessReportableSegmentsMember" xbrli:periodType="duration" abstract="true" name="LeasingBusinessReportableSegmentsMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_YamasakiToruMember" xbrli:periodType="duration" abstract="true" name="YamasakiToruMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_HiroshiYoshikawaMember" xbrli:periodType="duration" abstract="true" name="HiroshiYoshikawaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_YoshiokaSawakoMember" xbrli:periodType="duration" abstract="true" name="YoshiokaSawakoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_IkutaHirohisaMember" xbrli:periodType="duration" abstract="true" name="IkutaHirohisaMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_KuratsuYasuyukiMember" xbrli:periodType="duration" abstract="true" name="KuratsuYasuyukiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_GotoYasuhiroMember" xbrli:periodType="duration" abstract="true" name="GotoYasuhiroMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_MotoiChieMember" xbrli:periodType="duration" abstract="true" name="MotoiChieMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_GraemeDavidKnowdMember" xbrli:periodType="duration" abstract="true" name="GraemeDavidKnowdMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_ItoShinjiMember" xbrli:periodType="duration" abstract="true" name="ItoShinjiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_NakamuraMamikoMember" xbrli:periodType="duration" abstract="true" name="NakamuraMamikoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_ImaokaShoichiMember" xbrli:periodType="duration" abstract="true" name="ImaokaShoichiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_AdachiTamakiMember" xbrli:periodType="duration" abstract="true" name="AdachiTamakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_SekoTomoakiMember" xbrli:periodType="duration" abstract="true" name="SekoTomoakiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_KotoYoshikoMember" xbrli:periodType="duration" abstract="true" name="KotoYoshikoMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_OmoriHiroshiMember" xbrli:periodType="duration" abstract="true" name="OmoriHiroshiMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_FixedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" xbrli:periodType="duration" abstract="false" name="FixedRemunerationRemunerationEtcByCategoryOfDirectorsAndOtherOfficers" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_FiscalYearOfChangeInPurposeOfShareholdingInvestmentSharesReclassifiedFromHeldForPurposesOtherThanPureInvestmentToHeldForPureInvestmentReportingCompany" xbrli:periodType="instant" abstract="false" name="FiscalYearOfChangeInPurposeOfShareholdingInvestmentSharesReclassifiedFromHeldForPurposesOtherThanPureInvestmentToHeldForPureInvestmentReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03583-000_ReasonForChangeInPurposeOfShareholdingAndPolicyOnHoldingOrSaleOfSharesAfterChangeInvestmentSharesReclassifiedFromHeldForPurposesOtherThanPureInvestmentToHeldForPureInvestmentReportingCompany" xbrli:periodType="instant" abstract="false" name="ReasonForChangeInPurposeOfShareholdingAndPolicyOnHoldingOrSaleOfSharesAfterChangeInvestmentSharesReclassifiedFromHeldForPurposesOtherThanPureInvestmentToHeldForPureInvestmentReportingCompany" nillable="true" substitutionGroup="xbrli:item" type="xbrli:stringItemType" />
  <element id="jpcrp030000-asr_E03583-000_LeaseReceivablesAndInvestmentAssetsAssetsBNK" xbrli:balance="debit" xbrli:periodType="instant" abstract="false" name="LeaseReceivablesAndInvestmentAssetsAssetsBNK" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_ProvisionForStocksPaymentLiabilities" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForStocksPaymentLiabilities" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_ProvisionForContingenciesLiabilitiesBNK" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="ProvisionForContingenciesLiabilitiesBNK" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_ChangesInEquityOfParentFromTransactionOfNonControllingInterestSS" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ChangesInEquityOfParentFromTransactionOfNonControllingInterestSS" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_NotesRegardingGeneralAndAdministrativeExpensesTextBlock" xbrli:periodType="duration" abstract="false" name="NotesRegardingGeneralAndAdministrativeExpensesTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
  <element id="jpcrp030000-asr_E03583-000_GeneralRevenueReserve" xbrli:balance="credit" xbrli:periodType="instant" abstract="false" name="GeneralRevenueReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_GeneralRevenueReserveMember" xbrli:periodType="duration" abstract="true" name="GeneralRevenueReserveMember" nillable="true" substitutionGroup="xbrli:item" type="nonnum:domainItemType" />
  <element id="jpcrp030000-asr_E03583-000_ProvisionOfGeneralRevenueReserve" xbrli:balance="credit" xbrli:periodType="duration" abstract="false" name="ProvisionOfGeneralRevenueReserve" nillable="true" substitutionGroup="xbrli:item" type="xbrli:monetaryItemType" />
  <element id="jpcrp030000-asr_E03583-000_NotesRegardingGrossAmountOfAccountsReceivableTowardDirectorsAndInspectorsByTheDealingBetweenDirectorsAndInspectorsTextBlock" xbrli:periodType="instant" abstract="false" name="NotesRegardingGrossAmountOfAccountsReceivableTowardDirectorsAndInspectorsByTheDealingBetweenDirectorsAndInspectorsTextBlock" nillable="true" substitutionGroup="xbrli:item" type="nonnum:textBlockItemType" />
</schema>