<?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="LqdtyRskCtgry.02.00.data.xsd#DM741" xlink:label="loc_DM741"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM741" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liquidity Risk Category Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM741" xlink:to="lbl_DM741"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM741" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is categorised according to the risk types of deposit.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DM754" xlink:label="loc_DM754"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM754" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Status Notice Period Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM754" xlink:to="lbl_DM754"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM754" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported shows whether a notice period deposit has been called upon.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DM755" xlink:label="loc_DM755"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM755" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Deposit Protection Classification Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM755" xlink:to="lbl_DM755"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM755" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported shows the deposit protection the entity has.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7360" xlink:label="loc_DV7360"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7360" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Notice Given</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7360" xlink:to="lbl_DV7360"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7360" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to money deposited in a notice period deposit account that has been given notice to withdraw.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7361" xlink:label="loc_DV7361"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7361" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Operational Deposits</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7361" xlink:to="lbl_DV7361"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7361" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to operational deposit arrangements that are generated by clearing, custody and cash management activities. To qualify they must adhere to the strict criteria set out in the relevant prudential standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7362" xlink:label="loc_DV7362"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7362" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Operational Requirement</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7362" xlink:to="lbl_DV7362"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7362" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported meets the operational requirement criteria in accordance with relevant prudential standard, as assets are managed in such a way that that the bank can immediately use assets.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7363" xlink:label="loc_DV7363"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7363" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Stable</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7363" xlink:to="lbl_DV7363"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7363" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to deposits that are fully covered by the Financial Claims Scheme (or other effective Government insurance scheme allowed under the prudential standards) and where the depositor had other established relationships and where the deposits are in transactional accounts.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7364" xlink:label="loc_DV7364"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7364" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Less Stable Higher Run Off</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7364" xlink:to="lbl_DV7364"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7364" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to any other deposits that do not meet the prudential requirements for stable deposits and subjected to a higher run off rate in accordance with the relevant prudential standard.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7365" xlink:label="loc_DV7365"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7365" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Less Stable</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7365" xlink:to="lbl_DV7365"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7365" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to any other deposits that do not meet the prudential requirements for stable deposits.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7366" xlink:label="loc_DV7366"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7366" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Deposits Covered By Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7366" xlink:to="lbl_DV7366"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7366" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to deposits that are covered by a deposit insurance scheme.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7367" xlink:label="loc_DV7367"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7367" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Operational Deposits And Notice Given</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7367" xlink:to="lbl_DV7367"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7367" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to non-operational deposit arrangements that are not generated by clearing, custody and cash management activities. They do not qualify against the criteria set out in the relevant prudential standard and information relating to money deposited in a notice period deposit account that has been given notice to withdraw.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7368" xlink:label="loc_DV7368"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7368" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Repo Eligible</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7368" xlink:to="lbl_DV7368"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7368" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securities that meet the RBA's (Reserve Bank of Australia) repo eligibility criteria.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7369" xlink:label="loc_DV7369"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7369" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Deposits Not Covered By Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7369" xlink:to="lbl_DV7369"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7369" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to deposits that are not covered by a deposit insurance scheme.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7370" xlink:label="loc_DV7370"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7370" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Non Operational Deposits</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7370" xlink:to="lbl_DV7370"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7370" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to deposit that are not generated by clearing, custody and cash management activities. They do not qualify against the criteria set out in the relevant prudential standard for operational deposits.</link:label>
        <link:loc xlink:type="locator" xlink:href="LqdtyRskCtgry.02.00.data.xsd#DV7371" xlink:label="loc_DV7371"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7371" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Notice Not Given</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV7371" xlink:to="lbl_DV7371"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV7371" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to money deposited in a notice period deposit account that has not been given notice to withdraw.</link:label>
    </link:labelLink>
</link:linkbase>
