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<!-- Disclaimer: http://www.sbr.gov.au/software-developers/developer-tools/sbr-disclaimer-and-conditions-of-use -->
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    <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="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DM882" xlink:label="loc_DM882"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM882" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Securitisation Capital Adjustments Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM882" xlink:to="lbl_DM882"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM882" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information reported for regulatory adjustment purposes relating to exposures to securitisation, as determined in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DV8185" xlink:label="loc_DV8185"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8185" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Resecuritisation Exposures</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8185" xlink:to="lbl_DV8185"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8185" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to resecuritisation exposures that are deducted from Common Equity Tier 1 (CET1) because they are securitisation exposures in which at least one of the underlying exposures in the pool is a securitisation exposure, in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DV8186" xlink:label="loc_DV8186"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8186" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Do Not Meet Due Diligence Requirements</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8186" xlink:to="lbl_DV8186"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8186" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to securitisation exposures that are deducted from Common Equity Tier 1 (CET1) because they do not meet due diligence requirements in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DV8187" xlink:label="loc_DV8187"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8187" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">ERBA Or SFA Or RWC Can Not Be Used</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8187" xlink:to="lbl_DV8187"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8187" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to securitisation exposures that are deducted from Common Equity Tier 1 (CET1) because the external ratings based approach (ERBA), supervisory formula approach (SFA) or risk-weight cap approach (RWC) cannot be used in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DV8188" xlink:label="loc_DV8188"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8188" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Non Senior Exposures</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8188" xlink:to="lbl_DV8188"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8188" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to securitisation exposures that are deducted from Common Equity Tier 1 (CET1) because they are classified as other non-senior securitisation exposures in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="RgltryScrtstnCptlAdjstmnts.02.00.data.xsd#DV8189" xlink:label="loc_DV8189"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8189" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other CET 1 Regulatory Adjustments</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8189" xlink:to="lbl_DV8189"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8189" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This information relates to securitisation exposures that are deducted from Common Equity Tier 1 (CET1) because they are classified as other Common Equity Tier 1 (CET1) adjustments relating to securitisation exposures in accordance with Prudential Standard APS 120 Securitisation.</link:label>
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