<?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.02.38.data.xsd#bafot.02.38_bafotAbstract" xlink:label="loc_bafot.02.38_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.02.38_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE15371" xlink:label="loc_DE15371"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15371" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Capital Adequacy Adjustments Regulatory Other Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15371" xlink:to="lbl_DE15371"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15371" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value of all other adjustments applied to Common Equity Tier 1 (CET1) Capital, additional Tier 1 Capital and Tier 2 Capital that are required in Attachment D of APS 111.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE15374" xlink:label="loc_DE15374"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15374" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk MLH Adjusted Liability Base Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15374" xlink:to="lbl_DE15374"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15374" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value of adjusted liability base for the purpose of calculating the minimum liquidity holdings ratio. Stored value liabilities are the aggregate liabilities of a purchased payment facility (PPF) provider to beneficiaries to complete payments made with PPF devices or PPF accounts, and the outstanding obligations to payees for payments made but not yet settled, defined as per Prudential Standard APS 610 Prudential Requirements for Providers of Purchased Payment Facilities.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE14973" xlink:label="loc_DE14973"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14973" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Services Notional Average Borrowings Code</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14973" xlink:to="lbl_DE14973"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14973" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">A code that identifies the main currency of the notional amount taken to be borrowed for a foreign bank or other qualifying financial entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE14941" xlink:label="loc_DE14941"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14941" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Miscellaneous Controlled Foreign Companies Active Income Test Satisfied Code</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14941" xlink:to="lbl_DE14941"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14941" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is a code to determine whether the entity has Controlled Foreign Companies (CFCs) that satisfy the active income test for their statutory accounting period(s).</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE14941" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">Valid values are:
Yes = Yes the entity did satisfy the active income test, 
No = No the entity did not satisfy the active income test, or
Both = Both (Yes and No) the entity has Controlled Foreign Companies (CFCs) that do satisfy the active income test and other Controlled Foreign Companies (CFCs) that do not satisfy the active income test.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE14949" xlink:label="loc_DE14949"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14949" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Miscellaneous Hub Arrangement Code</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE14949" xlink:to="lbl_DE14949"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE14949" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">A code to identify the type of hub arrangement(s) that have the highest aggregate dollar value of property or services imported or exported to/from Australia in connection with this type of hub.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE14949" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">Valid values are:

MKT = Marketing Hub
SHI = Shipping Hub
SER = Services Hub
SAL = Sales Hub
NCP = Non-Core Procurement Hub
CPR = Core Procurement Hub</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.38.data.xsd#DE15361" xlink:label="loc_DE15361"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15361" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Miscellaneous Research And Development Intensity Rate</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15361" xlink:to="lbl_DE15361"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15361" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The percentage of the entity's research and development intensity.</link:label>
    </link:labelLink>
</link:linkbase>
