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    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_EarningsLossPerShareIFRSAbstract" xlink:label="EarningsLossPerShareIFRSAbstract" />
    <link:label xlink:type="resource" xlink:label="label_EarningsLossPerShareIFRSAbstract" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/positiveLabel" id="label_EarningsLossPerShareIFRSAbstract">Earnings per share</link:label>
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    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_BasicEarningsLossPerShareIFRS" xlink:label="BasicEarningsLossPerShareIFRS" />
    <link:label xlink:type="resource" xlink:label="label_BasicEarningsLossPerShareIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_BasicEarningsLossPerShareIFRS">Basic earnings (loss) per share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BasicEarningsLossPerShareIFRS" xlink:to="label_BasicEarningsLossPerShareIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_DilutedEarningsLossPerShareIFRS" xlink:label="DilutedEarningsLossPerShareIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DilutedEarningsLossPerShareIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_DilutedEarningsLossPerShareIFRS">Diluted earnings (loss) per share</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DilutedEarningsLossPerShareIFRS" xlink:to="label_DilutedEarningsLossPerShareIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_OperatingExpensesIFRS" xlink:label="OperatingExpensesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_OperatingExpensesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/totalLabel" id="label_OperatingExpensesIFRS">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingExpensesIFRS" xlink:to="label_OperatingExpensesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_ComprehensiveIncomeIFRS" xlink:label="ComprehensiveIncomeIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ComprehensiveIncomeIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/totalLabel" id="label_ComprehensiveIncomeIFRS">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ComprehensiveIncomeIFRS" xlink:to="label_ComprehensiveIncomeIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_ProceedsFromLongTermBorrowingsFinCFIFRS" xlink:label="ProceedsFromLongTermBorrowingsFinCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ProceedsFromLongTermBorrowingsFinCFIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_ProceedsFromLongTermBorrowingsFinCFIFRS">Proceeds from long-term borrowings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ProceedsFromLongTermBorrowingsFinCFIFRS" xlink:to="label_ProceedsFromLongTermBorrowingsFinCFIFRS" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E33625-000_2023-03-31_01_2023-06-21.xsd#jpcrp030000-asr_E33625-000_OtaTomohikoMember" xlink:label="OtaTomohikoMember" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E33625-000_2023-03-31_01_2023-06-21.xsd#jpcrp030000-asr_E33625-000_TakahashiKazuhikoMember" xlink:label="TakahashiKazuhikoMember" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E33625-000_2023-03-31_01_2023-06-21.xsd#jpcrp030000-asr_E33625-000_SawadaTadayukiMember" xlink:label="SawadaTadayukiMember" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E33625-000_2023-03-31_01_2023-06-21.xsd#jpcrp030000-asr_E33625-000_YoshimuraTakeshiMember" xlink:label="YoshimuraTakeshiMember" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_LiabilitiesAndEquityIFRS" xlink:label="LiabilitiesAndEquityIFRS" />
    <link:label xlink:type="resource" xlink:label="label_LiabilitiesAndEquityIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/totalLabel" id="label_LiabilitiesAndEquityIFRS">Total liabilities and equity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LiabilitiesAndEquityIFRS" xlink:to="label_LiabilitiesAndEquityIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_BondsAndBorrowingsLiabilitiesIFRS" xlink:label="BondsAndBorrowingsLiabilitiesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_BondsAndBorrowingsLiabilitiesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_BondsAndBorrowingsLiabilitiesIFRS">Bonds and borrowings</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BondsAndBorrowingsLiabilitiesIFRS" xlink:to="label_BondsAndBorrowingsLiabilitiesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_OtherIncomeAndExpensesNetIFRS" xlink:label="OtherIncomeAndExpensesNetIFRS" />
    <link:label xlink:type="resource" xlink:label="label_OtherIncomeAndExpensesNetIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/totalLabel" id="label_OtherIncomeAndExpensesNetIFRS">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherIncomeAndExpensesNetIFRS" xlink:to="label_OtherIncomeAndExpensesNetIFRS" />
    <link:loc xlink:type="locator" xlink:href="jpcrp030000-asr-001_E33625-000_2023-03-31_01_2023-06-21.xsd#jpcrp030000-asr_E33625-000_ReferenceToOtherInformationMetricsAndTargetsHumanCapital" xlink:label="ReferenceToOtherInformationMetricsAndTargetsHumanCapital" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS" xlink:label="BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS" />
    <link:label xlink:type="resource" xlink:label="label_BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS">Buildings and accompanying facilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS" xlink:to="label_BuildingsAndAccompanyingFacilitiesAcquisitionCostIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_ToolsFurnitureAndFixturesAcquisitionCostIFRS" xlink:label="ToolsFurnitureAndFixturesAcquisitionCostIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ToolsFurnitureAndFixturesAcquisitionCostIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_ToolsFurnitureAndFixturesAcquisitionCostIFRS">Tools, furniture and fixtures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ToolsFurnitureAndFixturesAcquisitionCostIFRS" xlink:to="label_ToolsFurnitureAndFixturesAcquisitionCostIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:label="BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS">Buildings and accompanying facilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:to="label_BuildingsAndAccompanyingFacilitiesAccumulatedDepreciationAndImpairmentLossesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:label="ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS">Tools, furniture and fixtures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:to="label_ToolsFurnitureAndFixturesAccumulatedDepreciationAndImpairmentLossesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_BuildingsAndAccompanyingFacilitiesIFRS" xlink:label="BuildingsAndAccompanyingFacilitiesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_BuildingsAndAccompanyingFacilitiesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_BuildingsAndAccompanyingFacilitiesIFRS">Buildings and accompanying facilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BuildingsAndAccompanyingFacilitiesIFRS" xlink:to="label_BuildingsAndAccompanyingFacilitiesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_ToolsFurnitureAndFixturesIFRS" xlink:label="ToolsFurnitureAndFixturesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ToolsFurnitureAndFixturesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_ToolsFurnitureAndFixturesIFRS">Tools, furniture and fixtures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ToolsFurnitureAndFixturesIFRS" xlink:to="label_ToolsFurnitureAndFixturesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_SellingGeneralAndAdministrativeExpensesIFRS" xlink:label="SellingGeneralAndAdministrativeExpensesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_SellingGeneralAndAdministrativeExpensesIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/totalLabel" id="label_SellingGeneralAndAdministrativeExpensesIFRS">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="SellingGeneralAndAdministrativeExpensesIFRS" xlink:to="label_SellingGeneralAndAdministrativeExpensesIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_FinanceCostsIFRS" xlink:label="FinanceCostsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_FinanceCostsIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/totalLabel" id="label_FinanceCostsIFRS">Total</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="FinanceCostsIFRS" xlink:to="label_FinanceCostsIFRS" />
    <link:loc xlink:type="locator" xlink:href="http://disclosure.edinet-fsa.go.jp/taxonomy/jpigp/2022-11-01/jpigp_cor_2022-11-01.xsd#jpigp_cor_DepreciationAndAmortizationSGAIFRS" xlink:label="DepreciationAndAmortizationSGAIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DepreciationAndAmortizationSGAIFRS" xml:lang="en" xlink:role="http://disclosure.edinet-fsa.go.jp/jpcrp/alt/role/label" id="label_DepreciationAndAmortizationSGAIFRS">Depreciation and amortization</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepreciationAndAmortizationSGAIFRS" xlink:to="label_DepreciationAndAmortizationSGAIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ShareAcquisitionRightsSSIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ShareAcquisitionRightsSSIFRS">Share acquisition rights</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareAcquisitionRightsSSIFRS" xlink:to="label_ShareAcquisitionRightsSSIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ShareAcquisitionRightsSSIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ShareAcquisitionRightsSSIFRS_2">Share acquisition rights - SS (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ShareAcquisitionRightsSSIFRS" xlink:to="label_ShareAcquisitionRightsSSIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_RestrictedShareBasedRemunerationSSIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RestrictedShareBasedRemunerationSSIFRS">Restricted share-based remuneration</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedShareBasedRemunerationSSIFRS" xlink:to="label_RestrictedShareBasedRemunerationSSIFRS" />
    <link:label xlink:type="resource" xlink:label="label_RestrictedShareBasedRemunerationSSIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RestrictedShareBasedRemunerationSSIFRS_2">Restricted share-based remuneration- SS (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedShareBasedRemunerationSSIFRS" xlink:to="label_RestrictedShareBasedRemunerationSSIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_InterestExpensesOtherExpensesIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_InterestExpensesOtherExpensesIFRS">Interest expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpensesOtherExpensesIFRS" xlink:to="label_InterestExpensesOtherExpensesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_InterestExpensesOtherExpensesIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_InterestExpensesOtherExpensesIFRS_2">Interest expenses, Other expenses (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="InterestExpensesOtherExpensesIFRS" xlink:to="label_InterestExpensesOtherExpensesIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_OperatingRevenueIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_OperatingRevenueIFRS">Operating revenue</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingRevenueIFRS" xlink:to="label_OperatingRevenueIFRS" />
    <link:label xlink:type="resource" xlink:label="label_OperatingRevenueIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_OperatingRevenueIFRS_2">Operating revenue (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingRevenueIFRS" xlink:to="label_OperatingRevenueIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_OtherIncomeAndExpensesIFRSAbstract" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_OtherIncomeAndExpensesIFRSAbstract">Other income and expenses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherIncomeAndExpensesIFRSAbstract" xlink:to="label_OtherIncomeAndExpensesIFRSAbstract" />
    <link:label xlink:type="resource" xlink:label="label_OtherIncomeAndExpensesIFRSAbstract_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_OtherIncomeAndExpensesIFRSAbstract_2">Other income and expenses (IFRS) [abstract]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OtherIncomeAndExpensesIFRSAbstract" xlink:to="label_OtherIncomeAndExpensesIFRSAbstract_2" />
    <link:label xlink:type="resource" xlink:label="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS">Amortization expenses of servicing assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationExpensesOfServicingAssetsOpeCFIFRS" xlink:to="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS_2">Amortization expenses of servicing assets - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AmortizationExpensesOfServicingAssetsOpeCFIFRS" xlink:to="label_AmortizationExpensesOfServicingAssetsOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS">Net (gain) or loss on financial instruments at FVTPL</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS" xlink:to="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS_2">Net (gain) or loss on financial instruments at FVTPL - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS" xlink:to="label_NetGainOrLossOnFinancialInstrumentsAtFVTPLOpeCFIFRS_2" />
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    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS" xlink:to="label_RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS_2">Revenue related to liquidation of loans receivable - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS" xlink:to="label_RevenueRelatedToLiquidationOfLoansReceivableOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOperatingLoansReceivableOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseInOperatingLoansReceivableOpeCFIFRS">Decrease in operating loans receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOperatingLoansReceivableOpeCFIFRS" xlink:to="label_DecreaseInOperatingLoansReceivableOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOperatingLoansReceivableOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseInOperatingLoansReceivableOpeCFIFRS_2">Decrease in operating loans receivable - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOperatingLoansReceivableOpeCFIFRS" xlink:to="label_DecreaseInOperatingLoansReceivableOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseInDepositsPaidOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_IncreaseInDepositsPaidOpeCFIFRS">Increase in deposits paid</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseInDepositsPaidOpeCFIFRS" xlink:to="label_IncreaseInDepositsPaidOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseInDepositsPaidOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_IncreaseInDepositsPaidOpeCFIFRS_2">Increase in deposits paid - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseInDepositsPaidOpeCFIFRS" xlink:to="label_IncreaseInDepositsPaidOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseInAccountsReceivableOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_IncreaseInAccountsReceivableOpeCFIFRS">Increase in accounts receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseInAccountsReceivableOpeCFIFRS" xlink:to="label_IncreaseInAccountsReceivableOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseInAccountsReceivableOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_IncreaseInAccountsReceivableOpeCFIFRS_2">Increase in accounts receivable - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseInAccountsReceivableOpeCFIFRS" xlink:to="label_IncreaseInAccountsReceivableOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS">(Increase) decrease in other financial assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS" xlink:to="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS_2">(Increase) decrease in other financial assets - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS" xlink:to="label_IncreaseDecreaseInOtherFinancialAssetsOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOtherAssetsOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseInOtherAssetsOpeCFIFRS">Decrease in other assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOtherAssetsOpeCFIFRS" xlink:to="label_DecreaseInOtherAssetsOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOtherAssetsOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseInOtherAssetsOpeCFIFRS_2">Decrease in other assets - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOtherAssetsOpeCFIFRS" xlink:to="label_DecreaseInOtherAssetsOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInDepositsReceivedOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseInDepositsReceivedOpeCFIFRS">Decrease in deposits received</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInDepositsReceivedOpeCFIFRS" xlink:to="label_DecreaseInDepositsReceivedOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInDepositsReceivedOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseInDepositsReceivedOpeCFIFRS_2">Decrease in deposits received - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInDepositsReceivedOpeCFIFRS" xlink:to="label_DecreaseInDepositsReceivedOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS">(Decrease) increase in other financial liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS" xlink:to="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS_2">(Decrease) increase in other financial liabilities - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS" xlink:to="label_DecreaseIncreaseInOtherFinancialLiabilitiesOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOtherLiabilitiesOpeCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseInOtherLiabilitiesOpeCFIFRS">Decrease in other liabilities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOtherLiabilitiesOpeCFIFRS" xlink:to="label_DecreaseInOtherLiabilitiesOpeCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInOtherLiabilitiesOpeCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseInOtherLiabilitiesOpeCFIFRS_2">Decrease in other liabilities - OpeCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInOtherLiabilitiesOpeCFIFRS" xlink:to="label_DecreaseInOtherLiabilitiesOpeCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS">Decrease in borrowings accompanying the liquidation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS" xlink:to="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS_2">Decrease in borrowings accompanying the liquidation - FinCF (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS" xlink:to="label_DecreaseInBorrowingsAccompanyingTheLiquidationFinCFIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_GAINONBADBEDSRECOVEREDNOI" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_GAINONBADBEDSRECOVEREDNOI">GAIN ON BAD BEDS RECOVERED</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GAINONBADBEDSRECOVEREDNOI" xlink:to="label_GAINONBADBEDSRECOVEREDNOI" />
    <link:label xlink:type="resource" xlink:label="label_GAINONBADBEDSRECOVEREDNOI_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_GAINONBADBEDSRECOVEREDNOI_2">GAIN ON BAD BEDS RECOVERED -NOI</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GAINONBADBEDSRECOVEREDNOI" xlink:to="label_GAINONBADBEDSRECOVEREDNOI_2" />
    <link:label xlink:type="resource" xlink:label="label_GainOnExtinguishmentOfTieInSharesNOI_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_GainOnExtinguishmentOfTieInSharesNOI_2">Gain on extinguishment of tie-in shares</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainOnExtinguishmentOfTieInSharesNOI" xlink:to="label_GainOnExtinguishmentOfTieInSharesNOI_2" />
    <link:label xlink:type="resource" xlink:label="label_GainOnExtinguishmentOfTieInSharesNOI" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_GainOnExtinguishmentOfTieInSharesNOI">Gain on extinguishment of tie-in shares-NOI</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GainOnExtinguishmentOfTieInSharesNOI" xlink:to="label_GainOnExtinguishmentOfTieInSharesNOI" />
    <link:label xlink:type="resource" xlink:label="label_CompensationsNOE" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_CompensationsNOE">Compensations</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CompensationsNOE" xlink:to="label_CompensationsNOE" />
    <link:label xlink:type="resource" xlink:label="label_CompensationsNOE_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_CompensationsNOE_2">Compensations-NOE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="CompensationsNOE" xlink:to="label_CompensationsNOE_2" />
    <link:label xlink:type="resource" xlink:label="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE_2">Loss on liquidation of subsidiaries and associates</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE" xlink:to="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE_2" />
    <link:label xlink:type="resource" xlink:label="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE">Loss on liquidation of subsidiaries and associates-general-NOE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE" xlink:to="label_LossOnLiquidationOfSubsidiariesAndAssociatesGeneralNOE" />
    <link:label xlink:type="resource" xlink:label="label_RestrictedShareBasedRemunerationSS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RestrictedShareBasedRemunerationSS">Restricted share-based remuneration</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedShareBasedRemunerationSS" xlink:to="label_RestrictedShareBasedRemunerationSS" />
    <link:label xlink:type="resource" xlink:label="label_RestrictedShareBasedRemunerationSS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RestrictedShareBasedRemunerationSS_2">Restricted share-based remuneration-SS</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RestrictedShareBasedRemunerationSS" xlink:to="label_RestrictedShareBasedRemunerationSS_2" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS">Right-of-use assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS_2">Right-of-use assets, Components of intangible assets, Acquisition cost (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsAcquisitionCostIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS">Servicing right</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2">Servicing right, Components of intangible assets and equipment, Acquisition cost (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS">Servicing assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2">Servicing assets, Components of intangible assets and equipment, Acquisition cost (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAcquisitionCostIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS">Right-of-use assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS_2">Right-of-use assets, Components of intangible assets, Accumulated amortization and impairment losses (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsAccumulatedAmortizationAndImpairmentLossesIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS">Servicing right</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS_2">Servicing right, Components of intangible assets, Accumulated depreciation and impairment losses (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsAccumulatedDepreciationAndImpairmentLossesIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS">Servicing assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS_2">Servicing assets, Components of intangible assets and equipment, Accumulated amortization and impairment losses (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsAndEquipmentAccumulatedAmortizationAndImpairmentLossesIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS">Right-of-use assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS_2">Right-of-use assets, Components of intangible assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RightOfUseAssetsComponentsOfIntangibleAssetsIFRS" xlink:to="label_RightOfUseAssetsComponentsOfIntangibleAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingRightComponentsOfIntangibleAssetsIFRS">Servicing right</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingRightComponentsOfIntangibleAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingRightComponentsOfIntangibleAssetsIFRS_2">Servicing right, Components of intangible assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingRightComponentsOfIntangibleAssetsIFRS" xlink:to="label_ServicingRightComponentsOfIntangibleAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS">Servicing assets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS_2">Servicing assets, Components of intangible assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ServicingAssetsComponentsOfIntangibleAssetsIFRS" xlink:to="label_ServicingAssetsComponentsOfIntangibleAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_OperatingLoansReceivableAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_OperatingLoansReceivableAssetsIFRS">Operating loans receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLoansReceivableAssetsIFRS" xlink:to="label_OperatingLoansReceivableAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_OperatingLoansReceivableAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_OperatingLoansReceivableAssetsIFRS_2">Operating loans receivable - Assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="OperatingLoansReceivableAssetsIFRS" xlink:to="label_OperatingLoansReceivableAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DepositsPaidAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DepositsPaidAssetsIFRS">Deposits paid</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsPaidAssetsIFRS" xlink:to="label_DepositsPaidAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DepositsPaidAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DepositsPaidAssetsIFRS_2">Deposits paid - Assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsPaidAssetsIFRS" xlink:to="label_DepositsPaidAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_AccountsReceivableAssetsIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_AccountsReceivableAssetsIFRS">Accounts receivable</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccountsReceivableAssetsIFRS" xlink:to="label_AccountsReceivableAssetsIFRS" />
    <link:label xlink:type="resource" xlink:label="label_AccountsReceivableAssetsIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_AccountsReceivableAssetsIFRS_2">Accounts receivable - Assets (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="AccountsReceivableAssetsIFRS" xlink:to="label_AccountsReceivableAssetsIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_DepositsReceivedLiabilitiesIFRS" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DepositsReceivedLiabilitiesIFRS">Deposits received</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsReceivedLiabilitiesIFRS" xlink:to="label_DepositsReceivedLiabilitiesIFRS" />
    <link:label xlink:type="resource" xlink:label="label_DepositsReceivedLiabilitiesIFRS_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DepositsReceivedLiabilitiesIFRS_2">Deposits received - Liabilities (IFRS)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DepositsReceivedLiabilitiesIFRS" xlink:to="label_DepositsReceivedLiabilitiesIFRS_2" />
    <link:label xlink:type="resource" xlink:label="label_BeneficialInterestsOfLoanReceivablesCA" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_BeneficialInterestsOfLoanReceivablesCA">Beneficial interests of loan receivables-CA</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BeneficialInterestsOfLoanReceivablesCA" xlink:to="label_BeneficialInterestsOfLoanReceivablesCA" />
    <link:label xlink:type="resource" xlink:label="label_BeneficialInterestsOfLoanReceivablesCA_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_BeneficialInterestsOfLoanReceivablesCA_2">Beneficial interests of loan receivables</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BeneficialInterestsOfLoanReceivablesCA" xlink:to="label_BeneficialInterestsOfLoanReceivablesCA_2" />
    <link:label xlink:type="resource" xlink:label="label_BeneficiaryRightsOnDepositCA" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_BeneficiaryRightsOnDepositCA">Beneficiary rights on deposit</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BeneficiaryRightsOnDepositCA" xlink:to="label_BeneficiaryRightsOnDepositCA" />
    <link:label xlink:type="resource" xlink:label="label_BeneficiaryRightsOnDepositCA_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_BeneficiaryRightsOnDepositCA_2">Beneficiary rights on deposit-CA</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="BeneficiaryRightsOnDepositCA" xlink:to="label_BeneficiaryRightsOnDepositCA_2" />
    <link:label xlink:type="resource" xlink:label="label_LongTermLeaseLiabilityNCL" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_LongTermLeaseLiabilityNCL">Long-term lease liability</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LongTermLeaseLiabilityNCL" xlink:to="label_LongTermLeaseLiabilityNCL" />
    <link:label xlink:type="resource" xlink:label="label_LongTermLeaseLiabilityNCL_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_LongTermLeaseLiabilityNCL_2">Long-term lease liability-NCL</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="LongTermLeaseLiabilityNCL" xlink:to="label_LongTermLeaseLiabilityNCL_2" />
    <link:label xlink:type="resource" xlink:label="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading_2">Disclosure of Sustainability-related Financial Information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DisclosureOfSustainabilityRelatedFinancialInformationHeading" xlink:to="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading_2" />
    <link:label xlink:type="resource" xlink:label="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading">Disclosure of Sustainability-related Financial Information [heading]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DisclosureOfSustainabilityRelatedFinancialInformationHeading" xlink:to="label_DisclosureOfSustainabilityRelatedFinancialInformationHeading" />
    <link:label xlink:type="resource" xlink:label="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock_2">Disclosure of Sustainability-related Financial Information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xlink:to="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock">Disclosure of Sustainability-related Financial Information [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" xlink:to="label_DisclosureOfSustainabilityRelatedFinancialInformationTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_GovernanceTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_GovernanceTextBlock_2">Governance</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GovernanceTextBlock" xlink:to="label_GovernanceTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_GovernanceTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_GovernanceTextBlock">Governance [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="GovernanceTextBlock" xlink:to="label_GovernanceTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_StrategyTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_StrategyTextBlock_2">Strategy</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StrategyTextBlock" xlink:to="label_StrategyTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_StrategyTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_StrategyTextBlock">Strategy [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="StrategyTextBlock" xlink:to="label_StrategyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationStrategy_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ReferenceToOtherInformationStrategy_2">Reference to other information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationStrategy" xlink:to="label_ReferenceToOtherInformationStrategy_2" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationStrategy" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ReferenceToOtherInformationStrategy">Reference to other information, Strategy</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationStrategy" xlink:to="label_ReferenceToOtherInformationStrategy" />
    <link:label xlink:type="resource" xlink:label="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock_2">Policy on human resource development and improvement of internal environment</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xlink:to="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock">Policy on human resource development and improvement of internal environment, Strategy [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" xlink:to="label_PolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentStrategyTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_RiskManagementTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_RiskManagementTextBlock_2">Risk management</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RiskManagementTextBlock" xlink:to="label_RiskManagementTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_RiskManagementTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_RiskManagementTextBlock">Risk management [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="RiskManagementTextBlock" xlink:to="label_RiskManagementTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationRiskManagement_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ReferenceToOtherInformationRiskManagement_2">Reference to other information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationRiskManagement" xlink:to="label_ReferenceToOtherInformationRiskManagement_2" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationRiskManagement" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ReferenceToOtherInformationRiskManagement">Reference to other information, Risk management</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationRiskManagement" xlink:to="label_ReferenceToOtherInformationRiskManagement" />
    <link:label xlink:type="resource" xlink:label="label_MetricsAndTargetsTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_MetricsAndTargetsTextBlock_2">Metrics and targets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MetricsAndTargetsTextBlock" xlink:to="label_MetricsAndTargetsTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_MetricsAndTargetsTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_MetricsAndTargetsTextBlock">Metrics and targets [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="MetricsAndTargetsTextBlock" xlink:to="label_MetricsAndTargetsTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationMetricsAndTargets_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ReferenceToOtherInformationMetricsAndTargets_2">Reference to other information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationMetricsAndTargets" xlink:to="label_ReferenceToOtherInformationMetricsAndTargets_2" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationMetricsAndTargets" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ReferenceToOtherInformationMetricsAndTargets">Reference to other information, Metrics and targets</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationMetricsAndTargets" xlink:to="label_ReferenceToOtherInformationMetricsAndTargets" />
    <link:label xlink:type="resource" xlink:label="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock_2">Description of metrics related to policy on human resource development and improvement of internal environment, and targets and results using such metrics</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xlink:to="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock_2" />
    <link:label xlink:type="resource" xlink:label="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock">Description of metrics related to policy on human resource development and improvement of internal environment, and targets and results using such metrics, Metrics and targets [text block]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" xlink:to="label_DescriptionOfMetricsRelatedToPolicyOnHumanResourceDevelopmentAndImprovementOfInternalEnvironmentAndTargetsAndResultsUsingSuchMetricsMetricsAndTargetsTextBlock" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital_2">Reference to other information</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationMetricsAndTargetsHumanCapital" xlink:to="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital_2" />
    <link:label xlink:type="resource" xlink:label="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital">Reference to other information, Metrics and targets, Human capital</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="ReferenceToOtherInformationMetricsAndTargetsHumanCapital" xlink:to="label_ReferenceToOtherInformationMetricsAndTargetsHumanCapital" />
    <link:label xlink:type="resource" xlink:label="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading">Notes - Change in scope of consolidation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading" xlink:to="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading" />
    <link:label xlink:type="resource" xlink:label="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading_2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" id="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading_2">Notes - Change in scope of consolidation, Consolidated financial statements (IFRS) [heading]</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading" xlink:to="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSHeading_2" />
    <link:label xlink:type="resource" xlink:label="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSTextBlock" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label" id="label_NotesChangeInScopeOfConsolidationConsolidatedFinancialStatementsIFRSTextBlock">Notes - Change in scope of consolidation</link:label>
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