<?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="SecuritisationApproach.02.01.data.xsd#DM438" xlink:label="loc_DM438"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM438" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Securitisation Approach Dimension</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DM438" xlink:to="lbl_DM438"/>
        <link:label xlink:type="resource" xlink:label="lbl_DM438" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This dimension categorises information reported for credit risk purposes relating to credit exposures to securitisation, based on the various securitisation approaches, as determined in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV3918" xlink:label="loc_DV3918"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3918" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">IAA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3918" xlink:to="lbl_DV3918"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3918" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures subject to the internal assessment approach (IAA) to credit risk in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV4356" xlink:label="loc_DV4356"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4356" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">RBA Or IAA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4356" xlink:to="lbl_DV4356"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4356" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures subject to the ratings-based approach (RBA), or internal assessment approach (IAA) to credit risk in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV4357" xlink:label="loc_DV4357"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4357" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Not RBAIAA Or SF</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4357" xlink:to="lbl_DV4357"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4357" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures which is not subject to ratings-based approach (RBA), internal assessment approach (IAA), or supervisory formula (SF) method of calculating credit risk, as determined in accordance with relevant prudential standards.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV4358" xlink:label="loc_DV4358"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4358" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">SFA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV4358" xlink:to="lbl_DV4358"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV4358" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures subject to supervisory formula approach (SFA) method of calculating credit risk, as determined in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV8181" xlink:label="loc_DV8181"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8181" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">RWC</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV8181" xlink:to="lbl_DV8181"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV8181" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures subject to the risk weighted cap approach where the originating authorised deposit-taking institution (ADI) may apply a look-through style to senior securitisation exposures so that they are subject to a risk-weight cap equal to the average risk weight that would apply to the underlying exposures in the pool, in accordance with Prudential Standard APS 120 Securitisation.</link:label>
        <link:loc xlink:type="locator" xlink:href="SecuritisationApproach.02.01.data.xsd#DV3919" xlink:label="loc_DV3919"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3919" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">ERBA</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DV3919" xlink:to="lbl_DV3919"/>
        <link:label xlink:type="resource" xlink:label="lbl_DV3919" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The information reported relates to securitisation credit exposures subject to the external ratings-based approach (ERBA) to credit risk, as determined in accordance with Prudential Standard APS 120 Securitisation.</link:label>
    </link:labelLink>
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