<?xml version="1.0" encoding="UTF-8"?>
<!-- Disclaimer: http://www.sbr.gov.au/content/taxonomy_introduction_3_0.htm#Disclaimer -->
<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="bafpo3.02.08.data.xsd#bafpo3.02.08_bafpo3Abstract" xlink:label="loc_bafpo3.02.08_bafpo3Abstract"/>
        <link:label xlink:type="resource" xlink:label="lbl_bafpo3Abstract" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Financial Position 3</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_bafpo3.02.08_bafpo3Abstract" xlink:to="lbl_bafpo3Abstract"/>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE301" xlink:label="loc_DE301"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE301" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Cash And Liquid Assets Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE301" xlink:to="lbl_DE301"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE301" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earnings cash and liquid assets.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE275" xlink:label="loc_DE275"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE275" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Investment Securities Physical Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE275" xlink:to="lbl_DE275"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE275" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning securities. The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE283" xlink:label="loc_DE283"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE283" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Credit Cards Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE283" xlink:to="lbl_DE283"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE283" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances credit cards.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE284" xlink:label="loc_DE284"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE284" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Housing Loans Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE284" xlink:to="lbl_DE284"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE284" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances Housing Loans.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE285" xlink:label="loc_DE285"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE285" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Lease Financing Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE285" xlink:to="lbl_DE285"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE285" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances lease financing.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE286" xlink:label="loc_DE286"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE286" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Other Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE286" xlink:to="lbl_DE286"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE286" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances other.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE287" xlink:label="loc_DE287"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE287" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Overdrafts Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE287" xlink:to="lbl_DE287"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE287" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances overdrafts.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE288" xlink:label="loc_DE288"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE288" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Loans And Advances Term Loans Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE288" xlink:to="lbl_DE288"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE288" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning loans and advances term loans.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE280" xlink:label="loc_DE280"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE280" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Total Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE280" xlink:to="lbl_DE280"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE280" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of all interest earning assets excluding Intragroup.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE282" xlink:label="loc_DE282"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE282" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Average Balance Of Interest Earning Trading Securities Total Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE282" xlink:to="lbl_DE282"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE282" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest earning trading securities total.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE1195" xlink:label="loc_DE1195"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1195" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Insurance Excess Of Net Market Values In Subsidiaries Over Recognised Net Assets Of Subsidiary Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE1195" xlink:to="lbl_DE1195"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1195" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, for the net market excess of the investment in a life insurance subsidiary over the recognised net assets of that subsidiary.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE1194" xlink:label="loc_DE1194"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1194" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Assets Insurance Investments Relating To Life Insurance Business Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE1194" xlink:to="lbl_DE1194"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1194" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, for investments relating to life insurance business.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE289" xlink:label="loc_DE289"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE289" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Average Balance Of Interest Bearing Bonds Notes And Long Term Borrowings Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE289" xlink:to="lbl_DE289"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE289" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest bearing bonds notes and long term borrowings. The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE290" xlink:label="loc_DE290"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE290" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Average Balance Of Interest Bearing Deposits Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE290" xlink:to="lbl_DE290"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE290" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest bearing deposits.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE293" xlink:label="loc_DE293"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE293" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Average Balance Of Interest Bearing Loan Capital Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE293" xlink:to="lbl_DE293"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE293" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest bearing loan capital over the reporting period.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE297" xlink:label="loc_DE297"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE297" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Average Balance Of Interest Bearing Other Borrowings Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE297" xlink:to="lbl_DE297"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE297" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of interest bearing other borrowings over the reporting period.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE299" xlink:label="loc_DE299"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE299" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Average Balance Of Interest Bearing Total Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE299" xlink:to="lbl_DE299"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE299" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, during the relevant period, for the average balance of total interest bearing liabilities excluding Intragroup over the reporting period.  The average may be calculated by any method consistent with internal systems of the reporting entity.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE1472" xlink:label="loc_DE1472"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1472" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Insurance General Insurance Outstanding Claims And Unearned Premium Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE1472" xlink:to="lbl_DE1472"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1472" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, for the general insurance outstanding claims and unearned premium.</link:label>
        <link:loc xlink:type="locator" xlink:href="bafpo3.02.08.data.xsd#DE1473" xlink:label="loc_DE1473"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1473" xlink:role="http://www.xbrl.org/2003/role/label" xml:lang="en">Liabilities Insurance Life Insurance Policy Liabilities Amount</link:label>
        <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_DE1473" xlink:to="lbl_DE1473"/>
        <link:label xlink:type="resource" xlink:label="lbl_DE1473" xlink:role="http://sbr.gov.au/fdtn/sbr.01.02.tech/businessDefinition" xml:lang="en">This is the value, as at the relevant date, for the life insurance policy liabilities.</link:label>
    </link:labelLink>
</link:linkbase>
