<?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.02.52.data.xsd#bafot.02.52_bafotAbstract" xlink:label="loc_bafot.02.52_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.02.52_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15689" xlink:label="loc_DE15689"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15689" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Cost Of Funds On New Finance Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15689" xlink:to="lbl_DE15689"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15689" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual costs of funds for new finance that was funded in the reporting period, as at the end of the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The cost of funds is the institution's internal funds transfer pricing rate for an asset. The price is established by the institution's treasury area and 'charged' to the relevant business area.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15699" xlink:label="loc_DE15699"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15699" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate Debt Securities New Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15699" xlink:to="lbl_DE15699"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15699" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, for new debt securities issued during the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15697" xlink:label="loc_DE15697"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15697" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate Debt Securities On Issue Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15697" xlink:to="lbl_DE15697"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15697" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, of debt securities on issue, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15694" xlink:label="loc_DE15694"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15694" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate Net On Offset Housing Loans Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15694" xlink:to="lbl_DE15694"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15694" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates on credit outstanding net of offset accounts, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15696" xlink:label="loc_DE15696"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15696" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate New Deposits Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15696" xlink:to="lbl_DE15696"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15696" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates on new deposits, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15687" xlink:label="loc_DE15687"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15687" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Credit Outstanding Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15687" xlink:to="lbl_DE15687"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15687" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates on credit outstanding, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15695" xlink:label="loc_DE15695"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15695" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Deposits Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15695" xlink:to="lbl_DE15695"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15695" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates on deposits, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15693" xlink:label="loc_DE15693"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15693" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Drawdowns For Existing Loans Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15693" xlink:to="lbl_DE15693"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15693" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, on drawdowns for existing loans or loans not funded during the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15692" xlink:label="loc_DE15692"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15692" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Drawdowns For New Loans Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15692" xlink:to="lbl_DE15692"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15692" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, on drawdowns for loans newly funded during the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15688" xlink:label="loc_DE15688"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15688" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On New Finance Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15688" xlink:to="lbl_DE15688"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15688" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, on new finance that was funded in the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15702" xlink:label="loc_DE15702"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15702" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Other Interest Bearing Liabilities New Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15702" xlink:to="lbl_DE15702"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15702" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, on any new interest-bearing liabilities, other than deposits and debt securities, issued during the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15701" xlink:label="loc_DE15701"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15701" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Interest Rate On Other Interest Bearing Liabilities On Issue Percent</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15701" xlink:to="lbl_DE15701"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15701" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual interest rates, as at the end of the reporting period, on any interest-bearing liabilities on issue, other than deposits and debt securities, where the weights used are the corresponding balances expressed as a share of the total balance. The interest rate is the contractual rate to be paid to or received by the customer/counterparty/debtholder.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15691" xlink:label="loc_DE15691"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15691" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Residual Term On Loans Funded Number</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15691" xlink:to="lbl_DE15691"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15691" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual residual terms of loans, as at the end of the reporting period, on new finance that was funded in the reporting period, where the weights used are the corresponding balances expressed as a share of the total balance.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15690" xlink:label="loc_DE15690"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15690" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Residual Term With Credit Outstanding Number</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15690" xlink:to="lbl_DE15690"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15690" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual residual terms of loans with credit outstanding, where the weights used are the corresponding balances expressed as a share of the total balance.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15700" xlink:label="loc_DE15700"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15700" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Tenor Debt Securities New Number</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15700" xlink:to="lbl_DE15700"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15700" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual tenors, as at the end of the reporting period, for new debt securities issued during the reporting period, where tenor is the contractual term to maturity at issuance. The weights used are the corresponding balances expressed as a share of the total balance.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.52.data.xsd#DE15698" xlink:label="loc_DE15698"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15698" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Market Weighted Average Tenor Debt Securities On Issue Number</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE15698" xlink:to="lbl_DE15698"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE15698" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the weighted sum of individual tenors, as at the end of the reporting period, for debt securities on issue, where tenor is the contractual term to maturity at issuance. The weights used are the corresponding balances expressed as a share of the total balance.</link:label>
    </link:labelLink>
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