﻿<?xml version="1.0" encoding="utf-8"?>
<!--© Banco de España. Reservados todos los derechos-->
<xs:schema xmlns:es_ebacrr_mod_mrel_tlac="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/mod/mrel_tlac" targetNamespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/mod/mrel_tlac" elementFormDefault="qualified" attributeFormDefault="unqualified" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xs="http://www.w3.org/2001/XMLSchema" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xbrli="http://www.xbrl.org/2003/instance" xmlns:model="http://www.eurofiling.info/xbrl/ext/model" xmlns:eba_model="http://www.eba.europa.eu/xbrl/ext/model" xsi:schemaLocation="http://www.xbrl.org/2003/instance http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd http://www.eurofiling.info/xbrl/ext/model http://www.eurofiling.info/eu/fr/xbrl/ext/model.xsd http://www.eba.europa.eu/xbrl/ext/model http://www.eba.europa.eu/eu/fr/xbrl/ext/model.xsd">
  <xs:import namespace="http://www.xbrl.org/2003/instance" schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" />
  <xs:import namespace="http://www.eurofiling.info/xbrl/ext/model" schemaLocation="http://www.eurofiling.info/eu/fr/xbrl/ext/model.xsd" />
  <xs:import namespace="http://www.eba.europa.eu/xbrl/ext/model" schemaLocation="http://www.eba.europa.eu/eu/fr/xbrl/ext/model.xsd" />
  <xs:annotation>
    <xs:appinfo>
      <link:linkbaseRef xlink:href="mrel_tlac-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" />
      <link:linkbaseRef xlink:href="mrel_tlac-inf.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="mrel_tlac-pre.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="http://www.eurofiling.info/eu/fr/xbrl/val/filt.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="http://www.eurofiling.info/eu/fr/xbrl/val/params.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
    </xs:appinfo>
  </xs:annotation>
  <xs:import namespace="http://www.bde.es/es/fr/esrs/comun/2008-06-01/dimensiones" schemaLocation="../../../../../esrs/comun/2008-06-01/dimensiones.xsd" />
  <xs:import namespace="http://www.bde.es/es/fr/esrs/comun/2008-06-01/preambulo" schemaLocation="../../../../../esrs/comun/2008-06-01/preambulo.xsd" />
  <xs:import namespace="http://www.bde.es/es/fr/xbrl/main/functions" schemaLocation="../../../../main/2010-11-01/func/functions.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/func" schemaLocation="../../../../func/func.xsd" />
  <xs:import namespace="http://www.eurofiling.info/xbrl/func" schemaLocation="http://www.eurofiling.info/eu/fr/xbrl/func/func.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_01.00" schemaLocation="../tab/m_01.00/m_01.00.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_02.00.a" schemaLocation="../tab/m_02.00.a/m_02.00.a.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_02.00.b" schemaLocation="../tab/m_02.00.b/m_02.00.b.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_02.00.c" schemaLocation="../tab/m_02.00.c/m_02.00.c.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_03.00" schemaLocation="../tab/m_03.00/m_03.00.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_04.00" schemaLocation="../tab/m_04.00/m_04.00.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_05.00" schemaLocation="../tab/m_05.00/m_05.00.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_06.00" schemaLocation="../tab/m_06.00/m_06.00.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/ebacrr_mrel/4.2/tab/M_07.00" schemaLocation="../tab/m_07.00/m_07.00.xsd" />
  <xs:element name="MREL_TLAC" type="model:moduleType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="instant" model:fromDate="2026-03-31" model:creationDate="2026-01-07" id="es_MREL_TLAC" />
</xs:schema>