<?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="CtgryOfCptl.02.00.data.xsd#DM537" xlink:label="loc_DM537"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM537" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Category Of Capital Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM537" xlink:to="lbl_DM537"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM537" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to classify reported information by the category of capital, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfCptl.02.00.data.xsd#DV6096" xlink:label="loc_DV6096"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6096" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Common Equity Tier 1</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6096" xlink:to="lbl_DV6096"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6096" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to the category of capital classified as Common Equity Tier 1 as defined in relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfCptl.02.00.data.xsd#DV6098" xlink:label="loc_DV6098"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6098" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Tier 2</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6098" xlink:to="lbl_DV6098"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6098" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to the category of capital classified as Tier 2 as defined in relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfCptl.02.00.data.xsd#DV6099" xlink:label="loc_DV6099"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6099" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Tier 1</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6099" xlink:to="lbl_DV6099"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6099" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to the category of capital classified as Tier 1 as defined in relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfCptl.02.00.data.xsd#DV6101" xlink:label="loc_DV6101"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6101" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Additional Tier 1</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6101" xlink:to="lbl_DV6101"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6101" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to the category of capital classified as Additional Tier 1 as defined in relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="CtgryOfCptl.02.00.data.xsd#DV6193" xlink:label="loc_DV6193"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6193" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Net Assets</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6193" xlink:to="lbl_DV6193"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6193" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to the category of capital classified as Net Assets as defined in relevant prudential standards.</link:label>
    </link:labelLink>
</link:linkbase>
