<?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:roleRef roleURI="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xlink:type="simple" xlink:href="../../../fdtn/tech.sbr.01.02.xsd#dataElementGuidance"/>
    <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#bafot.02.33_bafotAbstract" xlink:label="loc_bafot.02.33_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.02.33_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#DE15030" xlink:label="loc_DE15030"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15030" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Core Banking System Installation Date</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15030" xlink:to="lbl_DE15030"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15030" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the date on which the core banking system was originally installed.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#DE15032" xlink:label="loc_DE15032"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15032" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Core Banking System Other Description</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15032" xlink:to="lbl_DE15032"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15032" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">Description of core banking system not otherwise listed.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#DE15031" xlink:label="loc_DE15031"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15031" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Core Banking System Version Number</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15031" xlink:to="lbl_DE15031"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15031" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the version number of the core banking system.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#DE15028" xlink:label="loc_DE15028"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15028" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Financial Claims Scheme Prescribed Account Indicator</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15028" xlink:to="lbl_DE15028"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15028" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This indicates whether an entity has any accounts prescribed under subsection 16AH(5) of the Banking Act.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE15028" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">A choice of TRUE/FALSE values.
true=The entity has Financial Claims Scheme prescribed accounts.
false=The entity does not have Financial Claims Scheme prescribed accounts.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.33.data.xsd#DE15029" xlink:label="loc_DE15029"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15029" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Financial Claims Scheme Single Customer View System Indicator</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15029" xlink:to="lbl_DE15029"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15029" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This indicates whether an entity uses an external system (core banking system or other) to generate the Financial Claims Scheme single customer view.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE15029" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">A choice of TRUE/FALSE values.
true=The entity uses an external system (core banking system or other) to generate the Financial Claims Scheme single customer view.
false=The entity does not use an external system (core banking system or other) to generate the Financial Claims Scheme single customer view.</link:label>
    </link:labelLink>
</link:linkbase>
