<?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="ProbabilityOfDefaultBand.02.00.data.xsd#DM421" xlink:label="loc_DM421"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM421" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Probability of Default Band</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM421" xlink:to="lbl_DM421"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM421" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension segments reported information relating to credit exposures according to the associated probability of default (PD), as determined in accordance with relevant prudential standards.

Where PDs are bucketed and there are multiple assigned PDs within a bucket, assign the exposure weighted average PD of the bucket.

A PD of 100 per cent is to be assigned to all defaulted exposures.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5231" xlink:label="loc_DV5231"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5231" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0.1 Percent And Less Than 0.2 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5231" xlink:to="lbl_DV5231"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5231" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0.1% but less than 0.2%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5230" xlink:label="loc_DV5230"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5230" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0.2 Percent And Less Than 0.3 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5230" xlink:to="lbl_DV5230"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5230" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0.2% but less than 0.3%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5229" xlink:label="loc_DV5229"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5229" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0.3 Percent And Less Than 0.5 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5229" xlink:to="lbl_DV5229"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5229" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0.3% but less than 0.5%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5228" xlink:label="loc_DV5228"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5228" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0.5 Percent And Less Than 0.7 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5228" xlink:to="lbl_DV5228"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5228" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0.5% but less than 0.7%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5227" xlink:label="loc_DV5227"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5227" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0.7 Percent And Less Than 1.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5227" xlink:to="lbl_DV5227"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5227" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0.7% but less than 1.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5232" xlink:label="loc_DV5232"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5232" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 0 Percent And Less Than 0.1 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5232" xlink:to="lbl_DV5232"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5232" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 0% but less than 0.1%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5051" xlink:label="loc_DV5051"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5051" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 1.0 Percent And Less Than 2.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5051" xlink:to="lbl_DV5051"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5051" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 1.0% but less than 2.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5046" xlink:label="loc_DV5046"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5046" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 10.0 Percent And Less Than 100.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5046" xlink:to="lbl_DV5046"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5046" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 10.0% but less than 100.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5045" xlink:label="loc_DV5045"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5045" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 100.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5045" xlink:to="lbl_DV5045"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5045" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 100.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5050" xlink:label="loc_DV5050"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5050" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 2.0 Percent And Less Than 3.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5050" xlink:to="lbl_DV5050"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5050" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 2.0% but less than 3.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5049" xlink:label="loc_DV5049"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5049" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 3.0 Percent And Less Than 5.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5049" xlink:to="lbl_DV5049"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5049" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 3.0% but less than 5.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5048" xlink:label="loc_DV5048"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5048" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 5.0 Percent And Less Than 7.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5048" xlink:to="lbl_DV5048"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5048" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 5.0% but less than 7.0%.</link:label>
        <link:loc xlink:type="locator" xlink:href="ProbabilityOfDefaultBand.02.00.data.xsd#DV5047" xlink:label="loc_DV5047"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5047" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Equal To Greater Than 7.0 Percent And Less Than 10.0 Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV5047" xlink:to="lbl_DV5047"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV5047" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information relates to credit exposures with a determined probability of default equal to or greater than 7.0% but less than 10.0%.</link:label>
    </link:labelLink>
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