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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
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  <xs:element abstract="false" id="rj-cp-i_IncreaseDecreasePayablesCreditInstitutions" name="IncreaseDecreasePayablesCreditInstitutions" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_IntangibleAssetsLimitedOwnershipDescription" name="IntangibleAssetsLimitedOwnershipDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_IntangibleAssetsPutUpAsCollateralForDebtsDescription" name="IntangibleAssetsPutUpAsCollateralForDebtsDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesAdjustmentsFairValue" name="InvestmentPropertiesAdjustmentsFairValue" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesAssetsAcquired" name="InvestmentPropertiesAssetsAcquired" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesDecommissioning" name="InvestmentPropertiesDecommissioning" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesInExploitation" name="InvestmentPropertiesInExploitation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersDAEBToNonDAEB" name="InvestmentPropertiesTransfersDAEBToNonDAEB" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersDelivery" name="InvestmentPropertiesTransfersDelivery" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersInput" name="InvestmentPropertiesTransfersInput" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersInventoryAndOwnUse" name="InvestmentPropertiesTransfersInventoryAndOwnUse" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersNonDAEBToDAEB" name="InvestmentPropertiesTransfersNonDAEBToDAEB" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersOwnExploitation" name="InvestmentPropertiesTransfersOwnExploitation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersRealEstateInDevelopment" name="InvestmentPropertiesTransfersRealEstateInDevelopment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersSoldUnderCondition" name="InvestmentPropertiesTransfersSoldUnderCondition" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesTransfersUnderDevelopment" name="InvestmentPropertiesTransfersUnderDevelopment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentPropertiesValueChange" name="InvestmentPropertiesValueChange" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentsAcquisitionsOther" name="InvestmentsAcquisitionsOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentsMovementOtherMarketValue" name="InvestmentsMovementOtherMarketValue" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentsPriceDifferencesOther" name="InvestmentsPriceDifferencesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentsRevaluationsOther" name="InvestmentsRevaluationsOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_InvestmentsSalesOther" name="InvestmentsSalesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LegalEntityDateLastFinancialStatements" name="LegalEntityDateLastFinancialStatements" nillable="false" substitutionGroup="xbrli:item" type="xbrli:dateItemType" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_LegalEntityInterestInVotingRights" name="LegalEntityInterestInVotingRights" nillable="false" substitutionGroup="xbrli:item" type="num:percentItemType" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentBalance" name="LiabilitiesNoncurrentBalance" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentIncludingShortTerm" name="LiabilitiesNoncurrentIncludingShortTerm" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentOtherMutations" name="LiabilitiesNoncurrentOtherMutations" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentPayments" name="LiabilitiesNoncurrentPayments" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentReceiptsDeposits" name="LiabilitiesNoncurrentReceiptsDeposits" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentReleaseSharePremium" name="LiabilitiesNoncurrentReleaseSharePremium" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentRepaymentObligation" name="LiabilitiesNoncurrentRepaymentObligation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_LiabilitiesNoncurrentTransferToLiabilitiesCurrent" name="LiabilitiesNoncurrentTransferToLiabilitiesCurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_Maintenance" name="Maintenance" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_ManagementExpensesOther" name="ManagementExpensesOther" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentDecreaseRepurchaseObligation" name="NoncurrentDecreaseRepurchaseObligation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentFinancialInstrumentsEconomicalReality" name="NoncurrentFinancialInstrumentsEconomicalReality" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentInterestCredit" name="NoncurrentInterestCredit" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentLiabilitiesShareBasedPayments" name="NoncurrentLiabilitiesShareBasedPayments" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentOtherAdditions" name="NoncurrentOtherAdditions" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentOtherRepayments" name="NoncurrentOtherRepayments" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentPreferenceShare" name="NoncurrentPreferenceShare" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentReceivedDeposits" name="NoncurrentReceivedDeposits" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentRefundedDeposits" name="NoncurrentRefundedDeposits" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentRepurchaseObligation" name="NoncurrentRepurchaseObligation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_NoncurrentValueChangeRepurchaseObligation" name="NoncurrentValueChangeRepurchaseObligation" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_OtherFinancialExpenses" name="OtherFinancialExpenses" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_OtherIncomeExpensesAfterTax" name="OtherIncomeExpensesAfterTax" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_OtherStocks" name="OtherStocks" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_PaymentsSuppliers" name="PaymentsSuppliers" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_PillarTwoDeferredTaxAssetsLiabilitiesDescription" name="PillarTwoDeferredTaxAssetsLiabilitiesDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_PillarTwoExpectedEffectsDescription" name="PillarTwoExpectedEffectsDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_PillarTwoMethodDescription" name="PillarTwoMethodDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_PillarTwoTaxExpenseBenefitDescription" name="PillarTwoTaxExpenseBenefitDescription" nillable="false" substitutionGroup="xbrli:item" type="nl-types:formattedExplanationItemType" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_ProceedsSalesInvestmentProperties" name="ProceedsSalesInvestmentProperties" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_ProvisionBalanceInsuranceMovement" name="ProvisionBalanceInsuranceMovement" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_ProvisionsMaturityExceedingOneYearWithinFiveYears" name="ProvisionsMaturityExceedingOneYearWithinFiveYears" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_PurchaseInvestmentProperties" name="PurchaseInvestmentProperties" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_ReceivedDividends" name="ReceivedDividends" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_RepaymentPreviousYears" name="RepaymentPreviousYears" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_RevenueBeInvoiced" name="RevenueBeInvoiced" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_ShareInResults" name="ShareInResults" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_StockMedicalSupplies" name="StockMedicalSupplies" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_StockOfTools" name="StockOfTools" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="debit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_SubordinatedLiabilitiesCurrent" name="SubordinatedLiabilitiesCurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_SubordinatedLiabilitiesNoncurrent" name="SubordinatedLiabilitiesNoncurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_SubsidiesZvwCare" name="SubsidiesZvwCare" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
  <xs:element abstract="false" id="rj-cp-i_SubtotalLiabilitiesNoncurrent" name="SubtotalLiabilitiesNoncurrent" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_WorkRegulatedSegment" name="WorkRegulatedSegment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="instant"/>
  <xs:element abstract="false" id="rj-cp-i_WorkUnregulatedSegment" name="WorkUnregulatedSegment" nillable="false" substitutionGroup="xbrli:item" type="nl-types:monetaryNoDecimals20ItemType" xbrli:balance="credit" xbrli:periodType="duration"/>
</xs:schema>
