<?xml version="1.0" encoding="utf-8"?>
<?taxonomy-version 2.3.0.0 ?> <?taxonomy-set-overall-version 2.7.0.0 ?>
<!--(C) EBA-->
<link:linkbase xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:gen="http://xbrl.org/2008/generic" xmlns:label="http://xbrl.org/2008/label" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd http://xbrl.org/2008/generic http://www.xbrl.org/2008/generic-link.xsd http://xbrl.org/2008/label http://www.xbrl.org/2008/generic-label.xsd">
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:type="simple" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" />
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/label" xlink:type="simple" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#standard-label" />
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/verboseLabel" xlink:type="simple" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#verbose-label" />
  <gen:link xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_tC_40.00" xlink:label="loc_eba_tC_40.00" />
    <label:label xlink:type="resource" xlink:label="label_eba_tC_40.00" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">C 40.00 (LR1)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_tC_40.00" xlink:to="label_eba_tC_40.00" />
    <label:label xlink:type="resource" xlink:label="label_eba_tC_40.00_1" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/verboseLabel">C 40.00 (LR1) Alternative treatment of the Exposure Measure</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_tC_40.00" xlink:to="label_eba_tC_40.00_1" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_a1" xlink:label="loc_eba_a1" />
    <label:label xlink:type="resource" xlink:label="label_eba_a1" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Columns</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_a1" xlink:to="label_eba_a1" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52468" xlink:label="loc_eba_c52468" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52468" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Accounting balance sheet value</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52468" xlink:to="label_eba_c52468" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52469" xlink:label="loc_eba_c52469" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52469" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Accounting value assuming no netting or other CRM</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52469" xlink:to="label_eba_c52469" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52470" xlink:label="loc_eba_c52470" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52470" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Add-on for SFT</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52470" xlink:to="label_eba_c52470" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52471" xlink:label="loc_eba_c52471" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52471" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Add-on under the mark-to-market method (assuming no netting or other CRM)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52471" xlink:to="label_eba_c52471" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52472" xlink:label="loc_eba_c52472" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52472" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Notional amount / nominal value</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52472" xlink:to="label_eba_c52472" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52473" xlink:label="loc_eba_c52473" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52473" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Capped notional amount</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52473" xlink:to="label_eba_c52473" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52474" xlink:label="loc_eba_c52474" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52474" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Capped notional amount (same reference name)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52474" xlink:to="label_eba_c52474" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52475" xlink:label="loc_eba_c52475" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52475" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Leverage ratio exposure amount hypothetically exempted</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52475" xlink:to="label_eba_c52475" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_a2" xlink:label="loc_eba_a2" />
    <label:label xlink:type="resource" xlink:label="label_eba_a2" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Rows</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_a2" xlink:to="label_eba_a2" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52476" xlink:label="loc_eba_c52476" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52476" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Derivatives</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52476" xlink:to="label_eba_c52476" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52477" xlink:label="loc_eba_c52477" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52477" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit derivatives (protection sold)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52477" xlink:to="label_eba_c52477" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52478" xlink:label="loc_eba_c52478" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52478" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit derivatives (protection sold), which are subject to a close out clause</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52478" xlink:to="label_eba_c52478" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52479" xlink:label="loc_eba_c52479" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52479" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit derivatives (protection sold), which are not subject to a close out clause</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52479" xlink:to="label_eba_c52479" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52480" xlink:label="loc_eba_c52480" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52480" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit derivatives (protection bought)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52480" xlink:to="label_eba_c52480" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52481" xlink:label="loc_eba_c52481" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52481" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Financial derivatives</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52481" xlink:to="label_eba_c52481" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52482" xlink:label="loc_eba_c52482" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52482" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">SFT covered by a master netting agreement</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52482" xlink:to="label_eba_c52482" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52483" xlink:label="loc_eba_c52483" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52483" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">SFT not covered by a master netting agreement</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52483" xlink:to="label_eba_c52483" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52484" xlink:label="loc_eba_c52484" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52484" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Other Assets</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52484" xlink:to="label_eba_c52484" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52485" xlink:label="loc_eba_c52485" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52485" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Low-risk off-balance sheet items under the RSA; of which:</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52485" xlink:to="label_eba_c52485" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52486" xlink:label="loc_eba_c52486" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52486" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Revolving retail exposures; of which</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52486" xlink:to="label_eba_c52486" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52487" xlink:label="loc_eba_c52487" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52487" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Unconditionally cancellable credit cards commitments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52487" xlink:to="label_eba_c52487" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52488" xlink:label="loc_eba_c52488" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52488" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Non revolving unconditionally cancellable commitments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52488" xlink:to="label_eba_c52488" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52489" xlink:label="loc_eba_c52489" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52489" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Medium/low risk off-balance sheet items under the RSA</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52489" xlink:to="label_eba_c52489" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52490" xlink:label="loc_eba_c52490" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52490" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Medium risk off-balance sheet items under the RSA</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52490" xlink:to="label_eba_c52490" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52491" xlink:label="loc_eba_c52491" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52491" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Full risk off-balance sheet items under the RSA</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52491" xlink:to="label_eba_c52491" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52492" xlink:label="loc_eba_c52492" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52492" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">(memo item) Drawn amount of revolving retail exposures</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52492" xlink:to="label_eba_c52492" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52493" xlink:label="loc_eba_c52493" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52493" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">(memo item) Drawn amounts on unconditionally cancellable credit cards commitments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52493" xlink:to="label_eba_c52493" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52494" xlink:label="loc_eba_c52494" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52494" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">(memo item) Drawn amounts on non revolving unconditionally cancellable commitments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52494" xlink:to="label_eba_c52494" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52495" xlink:label="loc_eba_c52495" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52495" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Cash collateral received in derivatives transactions</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52495" xlink:to="label_eba_c52495" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52496" xlink:label="loc_eba_c52496" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52496" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Receivables for cash collateral posted in derivatives transactions</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52496" xlink:to="label_eba_c52496" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52497" xlink:label="loc_eba_c52497" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52497" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Securities received in a SFT that are recognised as an asset</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52497" xlink:to="label_eba_c52497" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52498" xlink:label="loc_eba_c52498" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52498" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">SFT cash conduit lending (cash receivables)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52498" xlink:to="label_eba_c52498" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52499" xlink:label="loc_eba_c52499" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52499" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Exposures that can benefit from treatment under Article 113 (6) of the CRR</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52499" xlink:to="label_eba_c52499" />
    <link:loc xlink:type="locator" xlink:href="c_40.00-rend.xml#eba_c52500" xlink:label="loc_eba_c52500" />
    <label:label xlink:type="resource" xlink:label="label_eba_c52500" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Exposures that meet conditions a), b) and c) of Article 429 (14) of the CRR</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c52500" xlink:to="label_eba_c52500" />
  </gen:link>
</link:linkbase>