<?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="bafot.02.17.data.xsd#bafot.02.17_bafotAbstract" xlink:label="loc_bafot.02.17_bafotAbstract"/>
        <link:label xlink:type="resource" xlink:label="lbl_bafotAbstract" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Other Accounting And Financial Disclosures</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bafot.02.17_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13251" xlink:label="loc_DE13251"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13251" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Capital Adequacy Capital Base Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13251" xlink:to="lbl_DE13251"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13251" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the capital base arising from the failure of a reinsurance counterparty.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13257" xlink:label="loc_DE13257"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13257" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Prescribed Capital Adjustment Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13257" xlink:to="lbl_DE13257"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13257" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on prescribed capital amount arising from the failure of a reinsurance counterparty.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13254" xlink:label="loc_DE13254"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13254" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Risk Charge Asset Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13254" xlink:to="lbl_DE13254"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13254" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the asset risk charge arising from the failure of a reinsurance counterparty. The amount reported must be after the aggregation formula is applied.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13255" xlink:label="loc_DE13255"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13255" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Risk Charge Concentration Asset Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13255" xlink:to="lbl_DE13255"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13255" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the asset concentration risk capital charge arising from the failure of a reinsurance counterparty.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13253" xlink:label="loc_DE13253"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13253" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Risk Charge Concentration Insurance Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13253" xlink:to="lbl_DE13253"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13253" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the insurance concentration risk capital charge (ICRC) arising from the failure of a reinsurance counterparty.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13252" xlink:label="loc_DE13252"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13252" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Risk Charge Insurance Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13252" xlink:to="lbl_DE13252"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13252" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the insurance risk charge base arising from the failure of a reinsurance counterparty.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.17.data.xsd#DE13256" xlink:label="loc_DE13256"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13256" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Risk Charge Operational Impact Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE13256" xlink:to="lbl_DE13256"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE13256" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, of the impact on the operational risk capital charge arising from the failure of a reinsurance counterparty.</link:label>
    </link:labelLink>
</link:linkbase>
