<?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="IRBApproach.02.00.data.xsd#DM430" xlink:label="loc_DM430"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM430" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">IRB Approach</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM430" xlink:to="lbl_DM430"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM430" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information reported under the internal ratings based approach to credit risk, as determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="IRBApproach.02.00.data.xsd#DV4346" xlink:label="loc_DV4346"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4346" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Advanced</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4346" xlink:to="lbl_DV4346"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4346" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to exposures determined under the advanced internal ratings-based (AIRB) approach to credit risk in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="IRBApproach.02.00.data.xsd#DV4347" xlink:label="loc_DV4347"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4347" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Foundation</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4347" xlink:to="lbl_DV4347"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4347" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to exposures determined under the foundation internal ratings-based (FIRB) approach to credit risk in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="IRBApproach.02.00.data.xsd#DV4345" xlink:label="loc_DV4345"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4345" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Supervisory Slotting</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4345" xlink:to="lbl_DV4345"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4345" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to exposures determined using the supervisory slotting approach under the internal ratings-based (AIRB) approach to credit risk in accordance with relevant prudential standards.</link:label>
    </link:labelLink>
</link:linkbase>
