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<!-- 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"/>
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        <link:loc xlink:type="locator" xlink:href="LqdtyClcltnApprch.02.00.data.xsd#DM742" xlink:label="loc_DM742"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM742" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liquidity Calculation Approach Dimension</link:label>
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        <link:label xlink:type="resource" xlink:label="lbl_DM742" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is categorised according to the calculation approach in accordance with the liquidity prudential standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyClcltnApprch.02.00.data.xsd#DV7372" xlink:label="loc_DV7372"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7372" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Minimum Liquidity Holding Authorised Deposit Taking Institutions</link:label>
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        <link:label xlink:type="resource" xlink:label="lbl_DV7372" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is for purposes of calculating liquidity, in accordance with the minimum liquidity holdings approach under the relevant prudential standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyClcltnApprch.02.00.data.xsd#DV7373" xlink:label="loc_DV7373"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7373" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liquidity Coverage Ratio Authorised Deposit Taking Institutions</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7373" xlink:to="lbl_DV7373"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7373" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is for purposes of calculating liquidity, in accordance with the liquidity coverage ratio approach under the relevant prudential standard.</link:label>
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