﻿<?xml version="1.0" encoding="utf-8"?>
<!--© Banco de España. Reservados todos los derechos-->
<xs:schema xmlns:es_mod_rdl20-2021="http://www.bde.es/xbrl/fws/mp_20_2021/rdl_20_2021/2024-10-01/mod/rdl20-2021" targetNamespace="http://www.bde.es/xbrl/fws/mp_20_2021/rdl_20_2021/2024-10-01/mod/rdl20-2021" 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="rdl20-2021-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="rdl20-2021-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" />
      <link:linkbaseRef xlink:href="../val/aset-mp6.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v1-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v1-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v1-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v1-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v10-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v10-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v10-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v10-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v11-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v11-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v11-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v11-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v12-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v12-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v12-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v12-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v14-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v14-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v14-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v14-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v17-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v17-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v17-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v17-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v18-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v18-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v18-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v18-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v2-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v2-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v2-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v2-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v20-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v20-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v20-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v20-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v21-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v21-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v21-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v21-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v3-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v3-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v3-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v3-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v4-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v4-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v4-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v4-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v5-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v5-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v5-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v5-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v6-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v6-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v6-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v6-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v7-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v7-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v7-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v7-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v8-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v8-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v8-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v8-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v9-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v9-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v9-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v9-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v95-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v95-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v95-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v95-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v96-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v96-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v96-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v96-err-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v97-lab-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v97-err-es.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v97-lab-en.xml" xlink:type="simple" xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" />
      <link:linkbaseRef xlink:href="../val/vr-v97-err-en.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.eba.europa.eu/xbrl/crr/func" schemaLocation="http://www.eba.europa.eu/eu/fr/xbrl/crr/func/func.xsd" />
  <xs:import namespace="http://www.bde.es/xbrl/fws/mp_20_2021/rdl_20_2021/2024-10-01/tab/MP6" schemaLocation="../tab/mp6/mp6.xsd" />
  <xs:element name="RDL20-2021" type="model:moduleType" substitutionGroup="xbrli:item" nillable="true" abstract="true" xbrli:periodType="instant" model:creationDate="2024-01-31" id="es_RDL20-2021" />
</xs:schema>