<?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="RiskChargeType.02.00.data.xsd#DM588" xlink:label="loc_DM588"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM588" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Risk Charge Type Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM588" xlink:to="lbl_DM588"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM588" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension identifies information based on the risk charge type applied to the underlying adjustment.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6198" xlink:label="loc_DV6198"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6198" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Premiums Liabilities</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6198" xlink:to="lbl_DV6198"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6198" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to premiums liabilities component of insurance risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6199" xlink:label="loc_DV6199"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6199" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6199" xlink:to="lbl_DV6199"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6199" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to insurance risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6200" xlink:label="loc_DV6200"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6200" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Outstanding Claims Liabilities</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6200" xlink:to="lbl_DV6200"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6200" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to outstanding claims liabilities component of insurance risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6201" xlink:label="loc_DV6201"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6201" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Insurance Concentration</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6201" xlink:to="lbl_DV6201"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6201" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to insurance concentration risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6202" xlink:label="loc_DV6202"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6202" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Operational</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6202" xlink:to="lbl_DV6202"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6202" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to operational risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6203" xlink:label="loc_DV6203"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6203" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Asset Concentration</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6203" xlink:to="lbl_DV6203"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6203" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to asset concentration risk charge.</link:label>
        <link:loc xlink:type="locator" xlink:href="RiskChargeType.02.00.data.xsd#DV6204" xlink:label="loc_DV6204"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6204" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Asset</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV6204" xlink:to="lbl_DV6204"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV6204" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The reported information is the adjustment to asset risk charge.</link:label>
    </link:labelLink>
</link:linkbase>
