<?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-->
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    <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="CapitalAdequacyApproach.02.00.data.xsd#DM418" xlink:label="loc_DM418"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM418" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Capital Adequacy Approach</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM418" xlink:to="lbl_DM418"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM418" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information reported in relation to the capital adequacy approach adopted, as determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CapitalAdequacyApproach.02.00.data.xsd#DV5052" xlink:label="loc_DV5052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5052" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">AMA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5052" xlink:to="lbl_DV5052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5052" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is for capital adequacy purposes and has been determined under the advanced measurement  approach (AMA) to calculating capital adequacy, in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CapitalAdequacyApproach.02.00.data.xsd#DV5041" xlink:label="loc_DV5041"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5041" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">IRB</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5041" xlink:to="lbl_DV5041"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5041" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is for capital adequacy purposes and has been determined under the internal ratings-based (IRB) approach to calculating capital adequacy, in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CapitalAdequacyApproach.02.00.data.xsd#DV5042" xlink:label="loc_DV5042"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5042" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Standardised</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5042" xlink:to="lbl_DV5042"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5042" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is for capital adequacy purposes and has been determined under the standardised approach to calculating capital adequacy, in accordance with relevant prudential standards.</link:label>
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