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<!--  
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT20
  Version: 20260121
  Release date: October 2025
-->
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  <xs:element abstract="true" id="bzk-dvi-abstr_PerformanceAgreementsPerMunicipalitySocialRentCorporation2_11Title" name="PerformanceAgreementsPerMunicipalitySocialRentCorporation2_11Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PerformanceAgreementsPerMunicipalitySocialRentCorporationHousingDviTitle" name="PerformanceAgreementsPerMunicipalitySocialRentCorporationHousingDviTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PerformanceAgreementsPerMunicipalitySocialRentTitle2_11Title" name="PerformanceAgreementsPerMunicipalitySocialRentTitle2_11Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PerformanceAgreementsPerMunicipalitySocialRentTitle" name="PerformanceAgreementsPerMunicipalitySocialRentTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PeriodEnd2Title" name="PeriodEnd2Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PolicyValueData2_7Title" name="PolicyValueData2_7Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PolicyValueDataDaebHousingDviSecTitle" name="PolicyValueDataDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PolicyValueDataNonDaebCompoundHousingDviSecTitle" name="PolicyValueDataNonDaebCompoundHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PolicyValueDataNonDaebHousingDviSecTitle" name="PolicyValueDataNonDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_PolicyValueDataTitle" name="PolicyValueDataTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RealEstateTransactionsBetweenBranches2_8Title" name="RealEstateTransactionsBetweenBranches2_8Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RealEstateTransactionsBetweenBranchesTransactionsFromDaebTIToNonDaebTITitle" name="RealEstateTransactionsBetweenBranchesTransactionsFromDaebTIToNonDaebTITitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RealEstateTransactionsBetweenBranchesTransactionsFromDaebTiToNonDaebTiHousingDviSecTitle" name="RealEstateTransactionsBetweenBranchesTransactionsFromDaebTiToNonDaebTiHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RealEstateTransactionsBetweenBranchesTransactionsFromNonDaebTIToDaebTITitle" name="RealEstateTransactionsBetweenBranchesTransactionsFromNonDaebTIToDaebTITitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RealEstateTransactionsBetweenBranchesTransactionsFromNonDaebTiToDaebTiHousingDviSecTitle" name="RealEstateTransactionsBetweenBranchesTransactionsFromNonDaebTiToDaebTiHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_Rent5_4Title" name="Rent5_4Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentTitle" name="RentTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentalData2_2Title" name="RentalData2_2Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentalDataDaebHousingDviSecTitle" name="RentalDataDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentalDataNonDaebCompoundHousingDviSecTitle" name="RentalDataNonDaebCompoundHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentalDataNonDaebHousingDviSecTitle" name="RentalDataNonDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RentalDataTitle" name="RentalDataTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleInternalLoan4_3Title" name="RepaymentScheduleInternalLoan4_3Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleInternalLoanDaebNonDaebMovementHousingDviSecTitle" name="RepaymentScheduleInternalLoanDaebNonDaebMovementHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleInternalLoanHousingDviSecTitle" name="RepaymentScheduleInternalLoanHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleInternalLoanMovementTitle" name="RepaymentScheduleInternalLoanMovementTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleInternalLoanTitle" name="RepaymentScheduleInternalLoanTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleStartLoanConsolidatedHousingDviSecTitle" name="RepaymentScheduleStartLoanConsolidatedHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleStartLoanDaebNonDaebNonDaebCompoundMovementConsolidatedHousingDviSecTitle" name="RepaymentScheduleStartLoanDaebNonDaebNonDaebCompoundMovementConsolidatedHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleStartLoanMovementTitle" name="RepaymentScheduleStartLoanMovementTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_RepaymentScheduleStartLoanTitle" name="RepaymentScheduleStartLoanTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_ResaleProperties2_3Title" name="ResaleProperties2_3Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_ResalePropertiesNonDaebCompoundHousingDviSecTitle" name="ResalePropertiesNonDaebCompoundHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_ResalePropertiesNonDaebHousingDviSecTitle" name="ResalePropertiesNonDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_ResalePropertiesTitle" name="ResalePropertiesTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationNonSecuredLoans4_4Title" name="SpecificationNonSecuredLoans4_4Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationNonSecuredLoansTitle" name="SpecificationNonSecuredLoansTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationNumberOfNonSecuredLoansTitle" name="SpecificationNumberOfNonSecuredLoansTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationOfTheRentalIncome3_4_6Title" name="SpecificationOfTheRentalIncome3_4_6Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationOfTheRentalIncomeDaebHousingDviSecTitle" name="SpecificationOfTheRentalIncomeDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationOfTheRentalIncomeNonDaebCompoundHousingDviSecTitle" name="SpecificationOfTheRentalIncomeNonDaebCompoundHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationOfTheRentalIncomeNonDaebHousingDviSecTitle" name="SpecificationOfTheRentalIncomeNonDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationOfTheRentalIncomeTitle" name="SpecificationOfTheRentalIncomeTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationSectorSpecificLevyIndependentOfResult3_4_7Title" name="SpecificationSectorSpecificLevyIndependentOfResult3_4_7Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationSectorSpecificLevyIndependentOfResultDaebHousingDviSecTitle" name="SpecificationSectorSpecificLevyIndependentOfResultDaebHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationSectorSpecificLevyIndependentOfResultNonDaebCompoundHousingDviSecTitle" name="SpecificationSectorSpecificLevyIndependentOfResultNonDaebCompoundHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationSectorSpecificLevyIndependentOfResultNonDaebHousingSecTitleDvi" name="SpecificationSectorSpecificLevyIndependentOfResultNonDaebHousingSecTitleDvi" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_SpecificationTopIncomeStandarizationAct5_3Title" name="SpecificationTopIncomeStandarizationAct5_3Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_StaffingLevel1_4Title" name="StaffingLevel1_4Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_StaffingLevelConsolidatedHousingDviSecTitle" name="StaffingLevelConsolidatedHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_StaffingLevelHousingDviSecTitle" name="StaffingLevelHousingDviSecTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_Sustainability2_10Title" name="Sustainability2_10Title" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
  <xs:element abstract="true" id="bzk-dvi-abstr_TheAccountabilityInformationTitle" name="TheAccountabilityInformationTitle" nillable="false" substitutionGroup="sbr:presentationItem" type="xbrli:stringItemType" xbrli:periodType="duration"/>
</xs:schema>
