<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
<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.02.01.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">Insurance Business Location Dimension</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 the reported data according to the business locations determined in accordance with the relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="APRAGISegments.02.01.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 information reported is in relation to insurance business carried on (whether in Australia or elsewhere) by any Level 1 insurer within the group, or for entities which are not insurers within the Level 2 insurance group, business related to an entity incorporated in Australia.</link:label>
        <link:loc xlink:type="locator" xlink:href="APRAGISegments.02.01.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 information reported is in relation to insurance business carried on by any entity within the Level 2 insurance group that is not authorised under the Act.</link:label>
    </link:labelLink>
</link:linkbase>
