<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<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="AsstRskStrssTyp.02.00.data.xsd#DM540" xlink:label="loc_DM540"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM540" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Asset Risk Stress Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM540" xlink:to="lbl_DM540"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM540" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported information based on the impacts arising from the application of certain asset risk stresses. The reported information is contribution towards the change in capital base under the scenario considered.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6060" xlink:label="loc_DV6060"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6060" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equity</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6060" xlink:to="lbl_DV6060"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6060" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of equity stress on the capital base of the reporting entity, due to fall in equity and other asset values.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6061" xlink:label="loc_DV6061"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6061" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">INF Downwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6061" xlink:to="lbl_DV6061"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6061" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of downwards movement in Expected Inflation (INF) stress on the capital base of the reporting entity, due to changes to Consumer Price Index inflation rate.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6063" xlink:label="loc_DV6063"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6063" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">RIR Downwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6063" xlink:to="lbl_DV6063"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6063" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of downwards movement in Real Interest Rate (RIR) stress on the capital base of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6064" xlink:label="loc_DV6064"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6064" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Default</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6064" xlink:to="lbl_DV6064"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6064" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of counterparty default on the capital base of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6066" xlink:label="loc_DV6066"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6066" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Credit Spread</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6066" xlink:to="lbl_DV6066"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6066" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of credit spreads stress and the risk of default on the capital base of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6068" xlink:label="loc_DV6068"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6068" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">RIR Upwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6068" xlink:to="lbl_DV6068"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6068" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of upwards movement in Real Interest Rate (RIR) stress on the capital base of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6069" xlink:label="loc_DV6069"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6069" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">INF Upwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6069" xlink:to="lbl_DV6069"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6069" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of upwards movement in Expected Inflation (INF) stress on the capital base of the reporting entity, due to changes to Consumer Price Index inflation rate.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6070" xlink:label="loc_DV6070"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6070" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">CUR Downwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6070" xlink:to="lbl_DV6070"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6070" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of downwards movement in Currency (CUR) stress on the capital base of the reporting entity, due to changes in foreign currency exchange rates.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6071" xlink:label="loc_DV6071"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6071" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Property</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6071" xlink:to="lbl_DV6071"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6071" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of property stress on the capital base of the reporting entity, due to changes in property and infrastructure asset values.</link:label>
        <link:loc xlink:type="locator" xlink:href="AsstRskStrssTyp.02.00.data.xsd#DV6072" xlink:label="loc_DV6072"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6072" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">CUR Upwards</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6072" xlink:to="lbl_DV6072"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6072" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information measures the impact of upwards movement in Currency (CUR) stress on the capital base of the reporting entity, due to changes in foreign currency exchange rates.</link:label>
    </link:labelLink>
</link:linkbase>
