<?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="ScrtstnPrdntlTrtmntTyps.02.00.data.xsd#DM883" xlink:label="loc_DM883"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM883" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Securitisation Prudential Treatment Types Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM883" xlink:to="lbl_DM883"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM883" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises the reported data according to the securitisation prudential treatment types.</link:label>
        <link:loc xlink:type="locator" xlink:href="ScrtstnPrdntlTrtmntTyps.02.00.data.xsd#DV8190" xlink:label="loc_DV8190"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8190" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Meets Operational Requirement Regulatory Capital Relief</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8190" xlink:to="lbl_DV8190"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8190" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a securitisation structure that meets the operational requirements for regulatory capital relief under Prudential Standard APS 120 Securitisation and is, therefore, excluded from the calculation of regulatory capital under Prudential Standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="ScrtstnPrdntlTrtmntTyps.02.00.data.xsd#DV8191" xlink:label="loc_DV8191"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8191" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Meets Operational Requirements Funding Only</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8191" xlink:to="lbl_DV8191"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8191" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a securitisation structure that has been established for, and meets the operational requirements for the purpose of obtaining funding-only. It includes all asset-backed commercial paper programs and securitisation of revolving credit facilities, as per Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="ScrtstnPrdntlTrtmntTyps.02.00.data.xsd#DV8192" xlink:label="loc_DV8192"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8192" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Synthetic Securitisation</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8192" xlink:to="lbl_DV8192"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8192" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to a securitisation structure whereby the credit risk, or part of the credit risk, of a pool is transferred to a third party which need not be a special purpose vehicle (SPV). The transfer of credit risk can be undertaken through the use of funded (e.g. credit linked notes) or unfunded (e.g. credit default swaps) credit derivatives or guarantees. Synthetic securitisation has the meaning given in Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="ScrtstnPrdntlTrtmntTyps.02.00.data.xsd#DV8193" xlink:label="loc_DV8193"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8193" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Securitisation</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8193" xlink:to="lbl_DV8193"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8193" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported is in relation to other securitisation arrangements where APRA has instructed an entity to report.</link:label>
    </link:labelLink>
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