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<!--(C) EBA-->
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    <label:label xlink:type="resource" xlink:label="label_eba_tF_07.01" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">F 07.01</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_tF_07.01" xlink:to="label_eba_tF_07.01" />
    <label:label xlink:type="resource" xlink:label="label_eba_tF_07.01_1" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/verboseLabel">F 07.01 Financial assets subject to impairment that are past due</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_tF_07.01" xlink:to="label_eba_tF_07.01_1" />
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    <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="f_07.01-rend.xml#eba_c47284" xlink:label="loc_eba_c47284" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47284" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Carrying amount</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47284" xlink:to="label_eba_c47284" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47285" xlink:label="loc_eba_c47285" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47285" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Assets without significant increase in credit risk since initial recognition (Stage 1)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47285" xlink:to="label_eba_c47285" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47286" xlink:label="loc_eba_c47286" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47286" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">≤ 30 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47286" xlink:to="label_eba_c47286" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47287" xlink:label="loc_eba_c47287" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47287" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 30 days ≤ 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47287" xlink:to="label_eba_c47287" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47288" xlink:label="loc_eba_c47288" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47288" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47288" xlink:to="label_eba_c47288" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47289" xlink:label="loc_eba_c47289" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47289" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Assets with significant increase in credit risk since initial recognition but not credit-impaired (Stage 2)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47289" xlink:to="label_eba_c47289" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47290" xlink:label="loc_eba_c47290" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47290" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">≤ 30 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47290" xlink:to="label_eba_c47290" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47291" xlink:label="loc_eba_c47291" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47291" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 30 days ≤ 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47291" xlink:to="label_eba_c47291" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47292" xlink:label="loc_eba_c47292" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47292" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47292" xlink:to="label_eba_c47292" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47293" xlink:label="loc_eba_c47293" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47293" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit-impaired assets (Stage 3)</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47293" xlink:to="label_eba_c47293" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47294" xlink:label="loc_eba_c47294" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47294" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">≤ 30 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47294" xlink:to="label_eba_c47294" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47295" xlink:label="loc_eba_c47295" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47295" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 30 days ≤ 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47295" xlink:to="label_eba_c47295" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47296" xlink:label="loc_eba_c47296" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47296" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">&gt; 90 days</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47296" xlink:to="label_eba_c47296" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-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="f_07.01-rend.xml#eba_c47310" xlink:label="loc_eba_c47310" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47310" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">TOTAL</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47310" xlink:to="label_eba_c47310" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47297" xlink:label="loc_eba_c47297" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47297" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Debt securities</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47297" xlink:to="label_eba_c47297" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47298" xlink:label="loc_eba_c47298" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47298" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Central banks</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47298" xlink:to="label_eba_c47298" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47299" xlink:label="loc_eba_c47299" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47299" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">General governments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47299" xlink:to="label_eba_c47299" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47300" xlink:label="loc_eba_c47300" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47300" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit institutions</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47300" xlink:to="label_eba_c47300" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47301" xlink:label="loc_eba_c47301" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47301" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Other financial corporations</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47301" xlink:to="label_eba_c47301" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47302" xlink:label="loc_eba_c47302" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47302" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Non-financial corporations</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47302" xlink:to="label_eba_c47302" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47303" xlink:label="loc_eba_c47303" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47303" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Loans and advances</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47303" xlink:to="label_eba_c47303" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47304" xlink:label="loc_eba_c47304" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47304" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Central banks</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47304" xlink:to="label_eba_c47304" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47305" xlink:label="loc_eba_c47305" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47305" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">General governments</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47305" xlink:to="label_eba_c47305" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47306" xlink:label="loc_eba_c47306" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47306" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit institutions</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47306" xlink:to="label_eba_c47306" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47307" xlink:label="loc_eba_c47307" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47307" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Other financial corporations</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47307" xlink:to="label_eba_c47307" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47308" xlink:label="loc_eba_c47308" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47308" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Non-financial corporations</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47308" xlink:to="label_eba_c47308" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47309" xlink:label="loc_eba_c47309" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47309" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Households</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47309" xlink:to="label_eba_c47309" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47311" xlink:label="loc_eba_c47311" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47311" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Loans and advances by product, by collateral and by subordination</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47311" xlink:to="label_eba_c47311" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47312" xlink:label="loc_eba_c47312" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47312" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">On demand [call] and short notice [current account]</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47312" xlink:to="label_eba_c47312" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47313" xlink:label="loc_eba_c47313" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47313" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Credit card debt</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47313" xlink:to="label_eba_c47313" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47314" xlink:label="loc_eba_c47314" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47314" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Trade receivables</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47314" xlink:to="label_eba_c47314" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47315" xlink:label="loc_eba_c47315" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47315" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Finance leases</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47315" xlink:to="label_eba_c47315" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47316" xlink:label="loc_eba_c47316" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47316" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Reverse repurchase loans</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47316" xlink:to="label_eba_c47316" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47317" xlink:label="loc_eba_c47317" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47317" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Other term loans</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47317" xlink:to="label_eba_c47317" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47318" xlink:label="loc_eba_c47318" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47318" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">Advances that are not loans</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47318" xlink:to="label_eba_c47318" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47319" xlink:label="loc_eba_c47319" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47319" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">of which: loans collateralized by immovable property</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47319" xlink:to="label_eba_c47319" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47320" xlink:label="loc_eba_c47320" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47320" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">of which: other collateralized loans</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47320" xlink:to="label_eba_c47320" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47321" xlink:label="loc_eba_c47321" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47321" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">of which: credit for consumption</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47321" xlink:to="label_eba_c47321" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47322" xlink:label="loc_eba_c47322" />
    <label:label xlink:type="resource" xlink:label="label_eba_c47322" xml:lang="en" xlink:role="http://www.xbrl.org/2008/role/label">of which: lending for house purchase</label:label>
    <gen:arc xlink:type="arc" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="loc_eba_c47322" xlink:to="label_eba_c47322" />
    <link:loc xlink:type="locator" xlink:href="f_07.01-rend.xml#eba_c47323" xlink:label="loc_eba_c47323" />
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