<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<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="PrscrbdStrssScnr.02.00.data.xsd#DM557" xlink:label="loc_DM557"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM557" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Prescribed Stress Scenario Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM557" xlink:to="lbl_DM557"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM557" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported information according to the relevant years of the prescribed stress scenario, which is in the form of economic or property downturn. The probability of maximum loss allocations are based on the year in this downturn scenario.</link:label>
        <link:loc xlink:type="locator" xlink:href="PrscrbdStrssScnr.02.00.data.xsd#DV6190" xlink:label="loc_DV6190"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6190" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">PML Year 2</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6190" xlink:to="lbl_DV6190"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6190" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in the 2nd year of the economic or property downturn. The probability of maximum loss is allocated in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="PrscrbdStrssScnr.02.00.data.xsd#DV6191" xlink:label="loc_DV6191"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6191" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">PML Year 1</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6191" xlink:to="lbl_DV6191"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6191" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in the 1st year of the economic or property downturn. The probability of maximum loss is allocated in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="PrscrbdStrssScnr.02.00.data.xsd#DV6192" xlink:label="loc_DV6192"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6192" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">PML Year 3</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6192" xlink:to="lbl_DV6192"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6192" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in the 3rd year of the economic or property downturn. The probability of maximum loss is allocated in accordance with relevant prudential standards.</link:label>
    </link:labelLink>
</link:linkbase>
