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<!--XBRL document created with Bowne Tagger. XBRL Parser version 10.0.0.56-->
<!--Based on XBRL 2.1-->
<!--Created on: 9/9/2009 10:00:02 AM-->
<!--Modified on: 2/25/2010 5:59:25 PM-->
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      <link:roleType roleURI="http://goldmansachs.com/role/ParentCompany" id="ParentCompany">
        <link:definition>0620 - Disclosure - Parent Company</link:definition>
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      <link:roleType roleURI="http://goldmansachs.com/role/EmployeeIncentivePlans" id="EmployeeIncentivePlans">
        <link:definition>0614 - Disclosure - Employee Incentive Plans</link:definition>
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      <link:roleType roleURI="http://goldmansachs.com/role/EmployeeBenefitPlans" id="EmployeeBenefitPlans">
        <link:definition>0613 - Disclosure - Employee Benefit Plans</link:definition>
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        <link:definition>00 - Document - Document and Company Information</link:definition>
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      <link:roleType roleURI="http://goldmansachs.com/role/InterestIncomeAndInterestExpense" id="InterestIncomeAndInterestExpense">
        <link:definition>0619 - Disclosure - Interest Income and Interest Expense</link:definition>
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        <link:definition>0618 - Disclosure - Business Segments</link:definition>
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        <link:definition>0616 - Disclosure - Income Taxes</link:definition>
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        <link:definition>0610 - Disclosure - Earnings Per Common Share</link:definition>
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        <link:definition>0609 - Disclosure - Shareholders Equity</link:definition>
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        <link:definition>0608 - Disclosure - Commitments, Contingencies and Guarantees</link:definition>
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        <link:definition>0607 - Disclosure - Long Term Borrowings</link:definition>
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        <link:definition>0606 - Disclosure - Short Term Borrowings</link:definition>
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        <link:definition>0605 - Disclosure - Deposits</link:definition>
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      <link:roleType roleURI="http://goldmansachs.com/role/SecuritizationActivitiesAndVariableInterestEntities" id="SecuritizationActivitiesAndVariableInterestEntities">
        <link:definition>0604 - Disclosure - Securitization Activities and Variable Interest Entities</link:definition>
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        <link:definition>0603 - Disclosure - Financial Instruments</link:definition>
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        <link:definition>0602 - Disclosure - Significant Accounting Policies</link:definition>
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        <link:definition>0601 - Disclosure - Description of Business</link:definition>
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        <link:definition>021 - Statement - Consolidated Statements of Financial Condition (Parenthetical)</link:definition>
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        <link:definition>02 - Statement - Consolidated Statements of Financial Condition</link:definition>
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        <link:usedOn>link:calculationLink</link:usedOn>
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        <link:definition>01 - Statement - Consolidated Statements of Earnings</link:definition>
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  <element name="ProceedsFromIssuanceOfOtherSecuredFinancingsLongTerm" id="gs_ProceedsFromIssuanceOfOtherSecuredFinancingsLongTerm" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="OtherSecuredFinancingsShortTermNet" id="gs_OtherSecuredFinancingsShortTermNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="UnsecuredShortTermBorrowingsNet" id="gs_UnsecuredShortTermBorrowingsNet" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="DepreciationAndAmortizationCF" id="gs_DepreciationAndAmortizationCF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="ChangeInCashSecuritiesSegregatedRegulatoryOtherPurposes" id="gs_ChangeInCashSecuritiesSegregatedRegulatoryOtherPurposes" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="NetReceivablesFromBrokersDealersAndClearingOrganizations" id="gs_NetReceivablesFromBrokersDealersAndClearingOrganizations" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="ChangeInTradingAssetsAtFairValue" id="gs_ChangeInTradingAssetsAtFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="SecuritiesSoldUnderAgreementsToRepurchaseNetOfSecuritiesPurchasedUnderAgreementsToResellAndFederalFundsSold" id="gs_SecuritiesSoldUnderAgreementsToRepurchaseNetOfSecuritiesPurchasedUnderAgreementsToResellAndFederalFundsSold" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="SecuritiesBorrowedNetOfSecuritiesLoaned" id="gs_SecuritiesBorrowedNetOfSecuritiesLoaned" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="NetPayablesToCustomersAndCounterparties" id="gs_NetPayablesToCustomersAndCounterparties" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="ProceedsFromSalesOfPropertyLeaseholdImprovementsAndEquipment" id="gs_ProceedsFromSalesOfPropertyLeaseholdImprovementsAndEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="PurchaseOfPropertyLeaseholdImprovementsAndEquipment" id="gs_PurchaseOfPropertyLeaseholdImprovementsAndEquipment" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="PreferredStockAccretion" id="gs_PreferredStockAccretion" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="IssuanceAndAmortizationOfRestrictedStockUnitsAndEmployeeStockOptions" id="gs_IssuanceAndAmortizationOfRestrictedStockUnitsAndEmployeeStockOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="DeliveryOfCommonStockUnderlyingRestrictedStockUnits" id="gs_DeliveryOfCommonStockUnderlyingRestrictedStockUnits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="ForfeitureOfRestrictedStockUnitsAndEmployeeStockOptions" id="gs_ForfeitureOfRestrictedStockUnitsAndEmployeeStockOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="IssuanceOfCommonStockWarrants" id="gs_IssuanceOfCommonStockWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="CancellationOfRestrictedStockUnitsInSatisfactionOfWithholdingTaxRequirements" id="gs_CancellationOfRestrictedStockUnitsInSatisfactionOfWithholdingTaxRequirements" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="CashSettlementOfShareBasedCompensation" id="gs_CashSettlementOfShareBasedCompensation" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="DividendsAndDividendEquivalentsDeclaredOnCommonStockAndRestrictedStockunits" id="gs_DividendsAndDividendEquivalentsDeclaredOnCommonStockAndRestrictedStockunits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="DividendsDeclaredOnPreferredStock" id="gs_DividendsDeclaredOnPreferredStock" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="Reissued" id="gs_Reissued" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="FinancialInstrumentsAbstract" id="gs_FinancialInstrumentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="SecuritizationActivitiesAndVariableInterestEntitiesAbstract" id="gs_SecuritizationActivitiesAndVariableInterestEntitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="DocumentAndCompanyInformationAbstract" id="gs_DocumentAndCompanyInformationAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="DescriptionOfBusinessTextBlock" id="gs_DescriptionOfBusinessTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="SecuritizationActivitiesVariableInterestEntitiesTextBlock" id="gs_SecuritizationActivitiesVariableInterestEntitiesTextBlock" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="DepositsTextBlock" id="gs_DepositsTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="CommitmentsContingenciesGuaranteesTextBlock" id="gs_CommitmentsContingenciesGuaranteesTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="ShareholdersEquityTextBlock" id="gs_ShareholdersEquityTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="GoodwillAndIdentifiableIntangibleAssetsTextBlock" id="gs_GoodwillAndIdentifiableIntangibleAssetsTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="OtherAssetsOtherLiabilitiesTextBlock" id="gs_OtherAssetsOtherLiabilitiesTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="TransactionsWithAffiliatedFundsTextBlock" id="gs_TransactionsWithAffiliatedFundsTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="RestrictedStockUnitsAndEmployeeStockOptionsMember" id="gs_RestrictedStockUnitsAndEmployeeStockOptionsMember" type="us-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="DescriptionOfBusinessAbstract" id="gs_DescriptionOfBusinessAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="CommitmentsContingenciesAndGuaranteesAbstract" id="gs_CommitmentsContingenciesAndGuaranteesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="ShareholdersEquityAbstract" id="gs_ShareholdersEquityAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="GoodwillAndIdentifiableIntangibleAssetsAbstract" id="gs_GoodwillAndIdentifiableIntangibleAssetsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="OtherAssetsAndOtherLiabilitiesAbstract" id="gs_OtherAssetsAndOtherLiabilitiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="TransactionsWithAffiliatedFundsAbstract" id="gs_TransactionsWithAffiliatedFundsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="BusinessSegmentsAbstract" id="gs_BusinessSegmentsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="PreTaxEarnings" id="gs_PreTaxEarnings" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="InterestExpenseIS" id="gs_InterestExpenseIS" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="SignificantAccountingPoliciesAbstract" id="gs_SignificantAccountingPoliciesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="LongTermBorrowingsAbstract" id="gs_LongTermBorrowingsAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="EarningsPerCommonShareAbstract" id="gs_EarningsPerCommonShareAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="IncomeTaxesAbstract" id="gs_IncomeTaxesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="InterestIncomeAndInterestExpenseAbstract" id="gs_InterestIncomeAndInterestExpenseAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="ParentCompanyAbstract" id="gs_ParentCompanyAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" nillable="true" xbrli:periodType="duration" />
  <element name="StockPurchaseContractFeeRelatedToAutomaticPreferredEnhancedCapitalSecurities" id="gs_StockPurchaseContractFeeRelatedToAutomaticPreferredEnhancedCapitalSecurities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element name="ReclassificationToRetainedEarningsFromAdoptionOfSfasNo159NetOfTax" id="gs_ReclassificationToRetainedEarningsFromAdoptionOfSfasNo159NetOfTax" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="CommitmentsContingenciesAndGuarantees" id="gs_CommitmentsContingenciesAndGuarantees" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="TotalNonInterestRevenues" id="gs_TotalNonInterestRevenues" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="NetInterestIncomeExpense" id="gs_NetInterestIncomeExpense" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="RepurchaseOfCommonStockWarrantsCF" id="gs_RepurchaseOfCommonStockWarrantsCF" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="RepurchaseOfCommonStockWarrants" id="gs_RepurchaseOfCommonStockWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element name="DeliveryOfCommonStockUnderlyingRestrictedStockUnitsAndProceedsFromExerciseOfEmployeeStockOptions" id="gs_DeliveryOfCommonStockUnderlyingRestrictedStockUnitsAndProceedsFromExerciseOfEmployeeStockOptions" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="credit" xbrli:periodType="duration" />
  <element id="gs_RegulationAndCapitalAdequacyTextBlock" name="RegulationAndCapitalAdequacyTextBlock" type="us-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" />
  <element name="ProceedsFromIssuanceOfCommonStockIncludingStockOptionExercises" id="gs_ProceedsFromIssuanceOfCommonStockIncludingStockOptionExercises" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:balance="debit" xbrli:periodType="duration" />
  <element id="gs_ProceedsFromIssuanceOfCommonStockWarrants" name="ProceedsFromIssuanceOfCommonStockWarrants" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" xbrli:balance="debit" />
</schema>
