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<!-- Copyright (C) 2005 CEBS Secretariat Ltd., Tower 42, 25 Old Broad Street, London, EC2N 1HQ, United Kingdom. -->
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  <xsd:element name="CapitalRequirementsOfWhichInvestmentFirmsArticle20And24" id="p-ca_CapitalRequirementsOfWhichInvestmentFirmsArticle20And24" type="dt:nonNegativeMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="CapitalRequirementsOfWhichInvestmentFirmsArticle20And25" id="p-ca_CapitalRequirementsOfWhichInvestmentFirmsArticle20And25" type="dt:nonNegativeMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="CapitalRequirementsOfWhichInvestmentFirmsArticle46" id="p-ca_CapitalRequirementsOfWhichInvestmentFirmsArticle46" type="dt:nonNegativeMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OfWhichOriginalOwnFunds" id="p-ca_OfWhichOriginalOwnFunds" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OriginalOwnFunds" id="p-ca_OriginalOwnFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherAdjustmentsValuationDifferencesAffectingEligibleReservesTransferredCoreAdditionalOwnFunds" id="p-ca_OtherAdjustmentsValuationDifferencesAffectingEligibleReservesTransferredCoreAdditionalOwnFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificDeductionsAdditionalOwnFunds" id="p-ca_OtherCountrySpecificDeductionsAdditionalOwnFunds" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificDeductionsOriginalAdditionalOwnFunds" id="p-ca_OtherCountrySpecificDeductionsOriginalAdditionalOwnFunds" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificDeductionsOriginalOwnFunds" id="p-ca_OtherCountrySpecificDeductionsOriginalOwnFunds" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificDeductionsOriginalOwnFundsOther" id="p-ca_OtherCountrySpecificDeductionsOriginalOwnFundsOther" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificOriginalOwnFunds" id="p-ca_OtherCountrySpecificOriginalOwnFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificOriginalOwnFundsOther" id="p-ca_OtherCountrySpecificOriginalOwnFundsOther" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherCountrySpecificOwnFundsRequirements" id="p-ca_OtherCountrySpecificOwnFundsRequirements" type="dt:nonNegativeMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherDeductionsOriginalOwnFunds" id="p-ca_OtherDeductionsOriginalOwnFunds" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherInstrumentsEligibleCapital" id="p-ca_OtherInstrumentsEligibleCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherInstrumentsHoldRespectInsuranceUndertakingsReinsuranceUndertakingsInsuranceHoldingCompaniesParticipationIsMaintained" id="p-ca_OtherInstrumentsHoldRespectInsuranceUndertakingsReinsuranceUndertakingsInsuranceHoldingCompaniesParticipationIsMaintained" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OtherValuationDifferencesAffectingEligibleReserves" id="p-ca_OtherValuationDifferencesAffectingEligibleReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="OwnShares" id="p-ca_OwnShares" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="PaidUpCapital" id="p-ca_PaidUpCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ParticipationsHoldInsuranceUndertakingsReinsuranceUndertakingsInsuranceHoldingCompanies" id="p-ca_ParticipationsHoldInsuranceUndertakingsReinsuranceUndertakingsInsuranceHoldingCompanies" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ParticipationsInInsuranceUndertakings" id="p-ca_ParticipationsInInsuranceUndertakings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="PartIncomeNegativeCurrentYearFilteredOutValuationDifferences" id="p-ca_PartIncomeNegativeCurrentYearFilteredOutValuationDifferences" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="PartIncomePositiveCurrentYearFilteredOutValuationDifferences" id="p-ca_PartIncomePositiveCurrentYearFilteredOutValuationDifferences" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="PartUnauditedIncomeCurrentYearFilteredOutValuationDifferences" id="p-ca_PartUnauditedIncomeCurrentYearFilteredOutValuationDifferences" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="PositiveFilterFirstTimeAdoptionIASTypeAccountingRules" id="p-ca_PositiveFilterFirstTimeAdoptionIASTypeAccountingRules" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="QualifiedParticipatingInterestNonFinancialInstitutions" id="p-ca_QualifiedParticipatingInterestNonFinancialInstitutions" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="Reserves" id="p-ca_Reserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="RevaluationReserves" id="p-ca_RevaluationReserves" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SecuritiesIndeterminateDurationOtherInstruments" id="p-ca_SecuritiesIndeterminateDurationOtherInstruments" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SharePremium" id="p-ca_SharePremium" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ShortTermSubordinatedLoanCapital" id="p-ca_ShortTermSubordinatedLoanCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SolvencyRatioBeforeOtherAndTransitionalCapitalRequirements" id="p-ca_SolvencyRatioBeforeOtherAndTransitionalCapitalRequirements" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SolvencyRatio" id="p-ca_SolvencyRatio" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SpecificProvisionIndividualImpairment" id="p-ca_SpecificProvisionIndividualImpairment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SubordinatedClaimsOtherItemsOtherCreditFinancialInstitutionsHoldingsExceed10PercentCapital" id="p-ca_SubordinatedClaimsOtherItemsOtherCreditFinancialInstitutionsHoldingsExceed10PercentCapital" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SubordinatedLoanCapital" id="p-ca_SubordinatedLoanCapital" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SupplementaryAdditionalOwnFunds" id="p-ca_SupplementaryAdditionalOwnFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SurplusDeficitOwnFundsBeforeOtherAndTransitionalCapitalRequirements" id="p-ca_SurplusDeficitOwnFundsBeforeOtherAndTransitionalCapitalRequirements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="TotalAdditionalOwnFundsGeneralSolvencyPurposes" id="p-ca_TotalAdditionalOwnFundsGeneralSolvencyPurposes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="TotalAdditionalOwnFundsSpecificCoverMarketRisks" id="p-ca_TotalAdditionalOwnFundsSpecificCoverMarketRisks" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="SolvencyIndexRatioTakingIntoAccountSupervisoryReviewProcess" id="p-ca_SolvencyIndexRatioTakingIntoAccountSupervisoryReviewProcess" type="xbrli:pureItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="UnusedEligibleOwnFundsSpecificCoverMarketRisks" id="p-ca_UnusedEligibleOwnFundsSpecificCoverMarketRisks" type="dt:nonPositiveMonetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesAFSAssets" id="p-ca_ValuationDifferencesAFSAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesAFSLoansReceivables" id="p-ca_ValuationDifferencesAFSLoansReceivables" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesCashFlowHedgesNotRelatedAFSAssets" id="p-ca_ValuationDifferencesCashFlowHedgesNotRelatedAFSAssets" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesEligibleOriginalOwnFunds" id="p-ca_ValuationDifferencesEligibleOriginalOwnFunds" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesFVOFinancialLiabilitiesOwnCreditRisk" id="p-ca_ValuationDifferencesFVOFinancialLiabilitiesOwnCreditRisk" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesInAFSEquities" id="p-ca_ValuationDifferencesInAFSEquities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesInvestmentProperty" id="p-ca_ValuationDifferencesInvestmentProperty" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValuationDifferencesPropertyPlantEquipment" id="p-ca_ValuationDifferencesPropertyPlantEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
  <xsd:element name="ValueAdjustmentsCreditRiskPositionsStandardisedApproach" id="p-ca_ValueAdjustmentsCreditRiskPositionsStandardisedApproach" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant"/>
</xsd:schema>
