<?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.02.46.data.xsd#bafot.02.46_bafotAbstract" xlink:label="loc_bafot.02.46_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.02.46_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE3563" xlink:label="loc_DE3563"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE3563" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Miscellaneous Functional Currency Code</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE3563" xlink:to="lbl_DE3563"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE3563" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The code represents where the entity keeps its accounts solely or predominantly in a foreign currency (its applicable functional currency) and has elected to use that functional currency for its accounts which it then translates to Australian dollars (AUD).</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE3563" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">List of currency codes and names can be found on ISO website at http://www.iso.org</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15550" xlink:label="loc_DE15550"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15550" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Additional Security Provided Indicator</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15550" xlink:to="lbl_DE15550"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15550" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This indicates whether the scheme-backed loan has security in addition to a personal or director guarantee.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE15550" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">A choice of TRUE/FALSE values.
true = the loan does have security in addition to the director guarantee. 
false = the if the loan does not have security in addition to the director guarantee.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15547" xlink:label="loc_DE15547"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15547" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Approval Date</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15547" xlink:to="lbl_DE15547"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15547" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the date when the borrower has accepted the commitment for the scheme-backed loan.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15545" xlink:label="loc_DE15545"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15545" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Early Release Initiative Applications Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15545" xlink:to="lbl_DE15545"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15545" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The value of Early Release Initiative (ERI) applications. An ERI application is an application made to the Australian Taxation Office (ATO) by a member of a Registrable Superannuation Entity (RSE) under the terms of the Treasury Laws Amendment (Release of Superannuation on Compassionate Grounds) Regulations 2020.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15544" xlink:label="loc_DE15544"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15544" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Early Release Initiative Applications Count</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15544" xlink:to="lbl_DE15544"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15544" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">The number of Early Release Initiative (ERI) applications. An ERI application is an application made to the Australian Taxation Office (ATO) by a member of a Registrable Superannuation Entity (RSE) under the terms of the Treasury Laws Amendment (Release of Superannuation on Compassionate Grounds) Regulations 2020.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15549" xlink:label="loc_DE15549"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15549" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Existing Customer Indicator</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15549" xlink:to="lbl_DE15549"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15549" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This indicates whether the customer had an active lending relationship with the entity before commencement of the scheme-backed loan.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE15549" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">A choice of TRUE/FALSE values.
true = the customer had an active lending relationship with the entity before commencement of the scheme-backed loan.
false = if the customer did not have an active lending relationship with the entity before commencement of the scheme-backed loan. Additionally, if the customer relationship was limited to transactional deposit accounts.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15548" xlink:label="loc_DE15548"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15548" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Final Repayment Date</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15548" xlink:to="lbl_DE15548"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15548" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the assigned maturity date for the loan for scheme-backed loans, initially calculated based on the term length of the loan and based on the approval date.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.46.data.xsd#DE15546" xlink:label="loc_DE15546"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15546" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Regulatory Disclosures Guarantor Names Text</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15546" xlink:to="lbl_DE15546"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15546" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the guarantor names.</link:label>
        <link:label xlink:type="resource" xlink:label="lbl_DE15546" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/dataElementGuidance" xml:lang="en">Separate guarantor names using a semicolon.
If there are no guarantors, populate this field with "Nil".</link:label>
    </link:labelLink>
</link:linkbase>
