<?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.02.55.data.xsd#bafot.02.55_bafotAbstract" xlink:label="loc_bafot.02.55_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.02.55_bafotAbstract" xlink:to="lbl_bafotAbstract"/>
        <link:loc xlink:type="locator" xlink:href="bafot.02.55.data.xsd#DE7870" xlink:label="loc_DE7870"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7870" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Credit Claims Unsecured Portion Where Specific Provision Less Than Twenty Percent Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE7870" xlink:to="lbl_DE7870"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7870" 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 unsecured portion of any claim (other than a loan or claim secured against eligible residential mortgages) where the specific provisions against those claims represent less than 20 percent of the outstanding amount of the claim or non-performing asset.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.55.data.xsd#DE7871" xlink:label="loc_DE7871"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7871" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Credit Claims Unsecured Portion Where Specific Provision No Less Than Twenty Percent Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE7871" xlink:to="lbl_DE7871"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7871" 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 unsecured portion of any claim (other than a loan or claim secured against eligible residential mortgages) where the specific provisions against those claims represent no less than 20 percent of the outstanding amount of the claim or non-performing asset.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.55.data.xsd#DE7773" xlink:label="loc_DE7773"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7773" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Credit Credit Exposures Personal Other ARF 220 0 Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE7773" xlink:to="lbl_DE7773"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7773" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is a balancing item in the list in which it is being used. This is the value, as at the relevant date, of all other exposures of the reporting party that give rise to counterparty credit risk, as determined in accordance with the relevant prudential standards, as required to be reported on form ARF_220_0.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafot.02.55.data.xsd#DE7808" xlink:label="loc_DE7808"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7808" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Risk Credit Past Due Other ARF 220 0 Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE7808" xlink:to="lbl_DE7808"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE7808" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is a balancing item in the list in which it is being used. This is the value, as at the relevant date, of all other past due amounts of the reporting party, as required to be reported on APRA form ARF_220_0.</link:label>
    </link:labelLink>
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