<?xml version="1.0" encoding="utf-8"?>
<?taxonomy-version 2.8.0.0 ?> <?taxonomy-set-overall-version 2.8.0.0 ?>
<!--(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" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:type="extended" xlink:role="http://www.xbrl.org/2003/role/link">
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x11" xlink:label="loc_eba_x11" />
    <link:label xlink:type="resource" xlink:label="label_eba_x11" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Associates</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x11" xlink:to="label_eba_x11" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x2" xlink:label="loc_eba_x2" />
    <link:label xlink:type="resource" xlink:label="label_eba_x2" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Entities of the financial sector</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x2" xlink:to="label_eba_x2" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x3" xlink:label="loc_eba_x3" />
    <link:label xlink:type="resource" xlink:label="label_eba_x3" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Joint ventures</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x3" xlink:to="label_eba_x3" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x4" xlink:label="loc_eba_x4" />
    <link:label xlink:type="resource" xlink:label="label_eba_x4" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Joint ventures, Associates</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x4" xlink:to="label_eba_x4" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x5" xlink:label="loc_eba_x5" />
    <link:label xlink:type="resource" xlink:label="label_eba_x5" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Key management of the institution or its parent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x5" xlink:to="label_eba_x5" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x0" xlink:label="loc_eba_x0" />
    <link:label xlink:type="resource" xlink:label="label_eba_x0" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Not applicable/All relationships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x0" xlink:to="label_eba_x0" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x7" xlink:label="loc_eba_x7" />
    <link:label xlink:type="resource" xlink:label="label_eba_x7" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Other than entities of the financial sector</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x7" xlink:to="label_eba_x7" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x8" xlink:label="loc_eba_x8" />
    <link:label xlink:type="resource" xlink:label="label_eba_x8" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Parent and parent entities with joint control or significant influence</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x8" xlink:to="label_eba_x8" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x9" xlink:label="loc_eba_x9" />
    <link:label xlink:type="resource" xlink:label="label_eba_x9" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Post-employment benefit plans with defined benefits</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x9" xlink:to="label_eba_x9" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x10" xlink:label="loc_eba_x10" />
    <link:label xlink:type="resource" xlink:label="label_eba_x10" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Related parties other than Parent and parent entities with joint control or significant influence, Subsidiaries, Associates and joint ventures, Key management of the institution or its parent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x10" xlink:to="label_eba_x10" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x1" xlink:label="loc_eba_x1" />
    <link:label xlink:type="resource" xlink:label="label_eba_x1" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Subsidiaries</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x1" xlink:to="label_eba_x1" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x12" xlink:label="loc_eba_x12" />
    <link:label xlink:type="resource" xlink:label="label_eba_x12" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Unconsolidated structured entities in which the reporting institution has interests</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x12" xlink:to="label_eba_x12" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x13" xlink:label="loc_eba_x13" />
    <link:label xlink:type="resource" xlink:label="label_eba_x13" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Entities of the group</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x13" xlink:to="label_eba_x13" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x14" xlink:label="loc_eba_x14" />
    <link:label xlink:type="resource" xlink:label="label_eba_x14" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial entities included in IFRS scope but not in prudential scope of consolidation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x14" xlink:to="label_eba_x14" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x15" xlink:label="loc_eba_x15" />
    <link:label xlink:type="resource" xlink:label="label_eba_x15" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Securitisation entities recognized under IFRS scope of consolidation but derecognized for prudential purposes</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x15" xlink:to="label_eba_x15" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x16" xlink:label="loc_eba_x16" />
    <link:label xlink:type="resource" xlink:label="label_eba_x16" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Commercial entities included in IFRS scope but not in prudential scope of consolidation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x16" xlink:to="label_eba_x16" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x17" xlink:label="loc_eba_x17" />
    <link:label xlink:type="resource" xlink:label="label_eba_x17" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Commercial entities included in IFRS scope but not in prudential scope of consolidation. Below proportionality threshold</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x17" xlink:to="label_eba_x17" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x20" xlink:label="loc_eba_x20" />
    <link:label xlink:type="resource" xlink:label="label_eba_x20" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Insurance companies</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x20" xlink:to="label_eba_x20" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x21" xlink:label="loc_eba_x21" />
    <link:label xlink:type="resource" xlink:label="label_eba_x21" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Entities other than entities of the group</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x21" xlink:to="label_eba_x21" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x22" xlink:label="loc_eba_x22" />
    <link:label xlink:type="resource" xlink:label="label_eba_x22" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Entities other than SSPE or entities of the group</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x22" xlink:to="label_eba_x22" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x23" xlink:label="loc_eba_x23" />
    <link:label xlink:type="resource" xlink:label="label_eba_x23" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institutions belonging to a network in accordance with legal or statutory provisions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x23" xlink:to="label_eba_x23" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x24" xlink:label="loc_eba_x24" />
    <link:label xlink:type="resource" xlink:label="label_eba_x24" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Customer with existing deposit relationship</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x24" xlink:to="label_eba_x24" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x25" xlink:label="loc_eba_x25" />
    <link:label xlink:type="resource" xlink:label="label_eba_x25" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Entities of the group not included in the funding plan scope of consolidation</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x25" xlink:to="label_eba_x25" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x26" xlink:label="loc_eba_x26" />
    <link:label xlink:type="resource" xlink:label="label_eba_x26" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institutional protection scheme or cooperative network</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x26" xlink:to="label_eba_x26" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x27" xlink:label="loc_eba_x27" />
    <link:label xlink:type="resource" xlink:label="label_eba_x27" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Intra-group or institutional protection scheme</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x27" xlink:to="label_eba_x27" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x28" xlink:label="loc_eba_x28" />
    <link:label xlink:type="resource" xlink:label="label_eba_x28" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Established relationships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x28" xlink:to="label_eba_x28" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x29" xlink:label="loc_eba_x29" />
    <link:label xlink:type="resource" xlink:label="label_eba_x29" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institution acts as an agent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x29" xlink:to="label_eba_x29" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x30" xlink:label="loc_eba_x30" />
    <link:label xlink:type="resource" xlink:label="label_eba_x30" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institution is a clearing member of a qualifying central credit counterparty and not obligated to reimburse for any losses</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x30" xlink:to="label_eba_x30" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x31" xlink:label="loc_eba_x31" />
    <link:label xlink:type="resource" xlink:label="label_eba_x31" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institution does not act as an agent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x31" xlink:to="label_eba_x31" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x99" xlink:label="loc_eba_x99" />
    <link:label xlink:type="resource" xlink:label="label_eba_x99" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">All related parties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x99" xlink:to="label_eba_x99" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x33" xlink:label="loc_eba_x33" />
    <link:label xlink:type="resource" xlink:label="label_eba_x33" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non intra-group or institutional protection scheme</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x33" xlink:to="label_eba_x33" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x34" xlink:label="loc_eba_x34" />
    <link:label xlink:type="resource" xlink:label="label_eba_x34" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Intra-group</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x34" xlink:to="label_eba_x34" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x35" xlink:label="loc_eba_x35" />
    <link:label xlink:type="resource" xlink:label="label_eba_x35" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non intra-group</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x35" xlink:to="label_eba_x35" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x36" xlink:label="loc_eba_x36" />
    <link:label xlink:type="resource" xlink:label="label_eba_x36" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Direct parent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x36" xlink:to="label_eba_x36" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x37" xlink:label="loc_eba_x37" />
    <link:label xlink:type="resource" xlink:label="label_eba_x37" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Issuer of the capital instrument / liability, guarantee recipient</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x37" xlink:to="label_eba_x37" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x38" xlink:label="loc_eba_x38" />
    <link:label xlink:type="resource" xlink:label="label_eba_x38" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Investor, creditor, guarantee provider</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x38" xlink:to="label_eba_x38" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x39" xlink:label="loc_eba_x39" />
    <link:label xlink:type="resource" xlink:label="label_eba_x39" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Provider of critical service</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x39" xlink:to="label_eba_x39" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x43" xlink:label="loc_eba_x43" />
    <link:label xlink:type="resource" xlink:label="label_eba_x43" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Investor, creditor</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x43" xlink:to="label_eba_x43" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x44" xlink:label="loc_eba_x44" />
    <link:label xlink:type="resource" xlink:label="label_eba_x44" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Guarantor</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x44" xlink:to="label_eba_x44" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x45" xlink:label="loc_eba_x45" />
    <link:label xlink:type="resource" xlink:label="label_eba_x45" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Obligor under garantee</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x45" xlink:to="label_eba_x45" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x46" xlink:label="loc_eba_x46" />
    <link:label xlink:type="resource" xlink:label="label_eba_x46" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Paying agent</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x46" xlink:to="label_eba_x46" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x47" xlink:label="loc_eba_x47" />
    <link:label xlink:type="resource" xlink:label="label_eba_x47" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Trustee</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x47" xlink:to="label_eba_x47" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x48" xlink:label="loc_eba_x48" />
    <link:label xlink:type="resource" xlink:label="label_eba_x48" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Securities exchange</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x48" xlink:to="label_eba_x48" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x49" xlink:label="loc_eba_x49" />
    <link:label xlink:type="resource" xlink:label="label_eba_x49" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Settlement system</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x49" xlink:to="label_eba_x49" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x50" xlink:label="loc_eba_x50" />
    <link:label xlink:type="resource" xlink:label="label_eba_x50" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Registrar holder</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x50" xlink:to="label_eba_x50" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x51" xlink:label="loc_eba_x51" />
    <link:label xlink:type="resource" xlink:label="label_eba_x51" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central Securities Depository (CSD)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x51" xlink:to="label_eba_x51" />
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