<?xml version="1.0"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<!--Build # 284 - Publish generation of sbr_au_taxonomy. Generated Tuesday, 14 June 2011-->
<link:linkbase xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrli="http://www.xbrl.org/2003/instance">
    <link:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xlink:type="simple" xlink:href="../fdtn/tech.sbr.01.02.xsd#businessDefinition"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="APRAGISegments.02.00.data.xsd#DM416" xlink:label="loc_DM416"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM416" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">APRA General Insurance Business Segments</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM416" xlink:to="lbl_DM416"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM416" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information according to the entities included within the reporting consolidation according to APRA prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="APRAGISegments.02.00.data.xsd#DV5111" xlink:label="loc_DV5111"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5111" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Australian Business</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5111" xlink:to="lbl_DV5111"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5111" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to transactions attributable to Level 1 General Insurance entities within the level 2 group (determined in accordance with relevant prudential standards) regulated by APRA.</link:label>
        <link:loc xlink:type="locator" xlink:href="APRAGISegments.02.00.data.xsd#DV5112" xlink:label="loc_DV5112"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5112" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">International Business</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5112" xlink:to="lbl_DV5112"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5112" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to transactions attributable to entities within the level 2 group (determined in accordance with relevant prudential standards) carrying on General Insurance business that are not regulated by APRA.</link:label>
    </link:labelLink>
</link:linkbase>
