<?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="LoanToValuationRatio.02.01.data.xsd#DM356" xlink:label="loc_DM356"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Loan To Valuation Ratio Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM356" xlink:to="lbl_DM356"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM356" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension is used to categorise reported loan information according to the loan-to-valuation ratio (LVR) of the loan product.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4052" xlink:label="loc_DV4052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4052" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Less Than or Equal to 60%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4052" xlink:to="lbl_DV4052"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4052" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of less than or equal to 60%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4053" xlink:label="loc_DV4053"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4053" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE90</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4053" xlink:to="lbl_DV4053"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4053" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 90%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4054" xlink:label="loc_DV4054"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4054" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE80LT90</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4054" xlink:to="lbl_DV4054"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4054" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 80% but less than 90%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4611" xlink:label="loc_DV4611"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4611" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GT100</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4611" xlink:to="lbl_DV4611"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4611" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 100%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4612" xlink:label="loc_DV4612"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4612" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GT90LTE100</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4612" xlink:to="lbl_DV4612"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4612" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 90% but less than or equal to 100%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4635" xlink:label="loc_DV4635"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4635" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GT80LTE90</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4635" xlink:to="lbl_DV4635"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4635" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 80% but less than or equal to 90%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV4636" xlink:label="loc_DV4636"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4636" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GT60LTE80</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4636" xlink:to="lbl_DV4636"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4636" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 60% but less than or equal to 80%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5234" xlink:label="loc_DV5234"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5234" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE60LT80</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5234" xlink:to="lbl_DV5234"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5234" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 60% but less than 80%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5389" xlink:label="loc_DV5389"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5389" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 70% and Less Than or Equal to 80%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5389" xlink:to="lbl_DV5389"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5389" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 90%, but less than or equal to 95%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5390" xlink:label="loc_DV5390"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5390" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 60% and Less Than or Equal to 75%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5390" xlink:to="lbl_DV5390"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5390" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 60%, but less than or equal to 70%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5391" xlink:label="loc_DV5391"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5391" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 100% and Less Than or Equal to 1000%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5391" xlink:to="lbl_DV5391"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5391" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 100%, but less than or equal to 1000%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5392" xlink:label="loc_DV5392"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5392" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 95% and Less Than or Equal to 100%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5392" xlink:to="lbl_DV5392"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5392" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 95%, but less than or equal to 100%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5393" xlink:label="loc_DV5393"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5393" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 90% and Less Than or Equal to 95%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5393" xlink:to="lbl_DV5393"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5393" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 90%, but less than or equal to 95%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5394" xlink:label="loc_DV5394"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5394" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 85% and Less Than or Equal to 90%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5394" xlink:to="lbl_DV5394"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5394" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 85%, but less than or equal to 90%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV5395" xlink:label="loc_DV5395"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5395" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Greater Than 80% and Less Than or Equal to 85%</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5395" xlink:to="lbl_DV5395"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5395" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than 80%, but less than or equal to 85%.

The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8244" xlink:label="loc_DV8244"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8244" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">LT 60</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8244" xlink:to="lbl_DV8244"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8244" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of less than 60%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8245" xlink:label="loc_DV8245"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8245" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 85 LT 90</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8245" xlink:to="lbl_DV8245"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8245" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 85% but less than 90%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8246" xlink:label="loc_DV8246"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8246" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 81 LT 85</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8246" xlink:to="lbl_DV8246"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8246" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 81% but less than 85%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8247" xlink:label="loc_DV8247"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8247" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 95</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8247" xlink:to="lbl_DV8247"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8247" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 95%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8248" xlink:label="loc_DV8248"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8248" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 90 LT 95</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8248" xlink:to="lbl_DV8248"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8248" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 90% but less than 95%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8249" xlink:label="loc_DV8249"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8249" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 80 LT 81</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8249" xlink:to="lbl_DV8249"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8249" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 80% but less than 81%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="LoanToValuationRatio.02.01.data.xsd#DV8250" xlink:label="loc_DV8250"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8250" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">GTE 80 LT 85</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8250" xlink:to="lbl_DV8250"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8250" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Information in relation to loan products with a loan-to-valuation ratio (LVR) of greater than or equal to 80% but less than 85%.The LVR may be based on the valuation at origination or, where relevant, on a subsequent formal revaluation by an independent accredited valuer, as determined in accordance with relevant Prudential Standards.</link:label>
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