<?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_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">Central banks</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_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">Central governments or central banks</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_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">Counterparties other than central banks</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_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">Counterparties other than financial corporations</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_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">Counterparties other than SME</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_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">Credit institutions</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_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">Financial corporations</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_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">Financial entities</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_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">General governments</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_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">Households</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_x6" xlink:label="loc_eba_x6" />
    <link:label xlink:type="resource" xlink:label="label_eba_x6" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x6" xlink:to="label_eba_x6" />
    <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">International Organisations</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">Large regulated financial entities and unregulated financial entities</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">Multilateral Development Banks</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_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">Non-financial corporations</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_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 counterparties</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_x19" xlink:label="loc_eba_x19" />
    <link:label xlink:type="resource" xlink:label="label_eba_x19" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Public sector entities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x19" xlink:to="label_eba_x19" />
    <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">Regional governments or local authorities</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_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">Regulated financial entities not large</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">Retail</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">SME</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">Central governments or central banks, regional governments and local authorities, MDBs and International organisation and PSE</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">Multilateral Development Banks and International Organisations</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">Non-financial corporations and households</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_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">Regional governments and local authorities, MDBs and International organisation and PSE</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">BIS, IMF, EC, MDBs or guaranteed by BIS, IMF, EC, MDBs</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">Central Banks or guaranteed by central banks</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_x32" xlink:label="loc_eba_x32" />
    <link:label xlink:type="resource" xlink:label="label_eba_x32" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central governments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x32" xlink:to="label_eba_x32" />
    <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">Central governments or guaranteed by central governments</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">Central governments, central banks, PSEs</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">Collective Investment Undertakings</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_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">Counterparties other than retail and financial customers</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">Credit Institutions sponsored by a Member State central or regional government</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_x18" xlink:label="loc_eba_x18" />
    <link:label xlink:type="resource" xlink:label="label_eba_x18" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial corporations other than credit institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x18" xlink:to="label_eba_x18" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x40" xlink:label="loc_eba_x40" />
    <link:label xlink:type="resource" xlink:label="label_eba_x40" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Member State central or regional government</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x40" xlink:to="label_eba_x40" />
    <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">PSEs, regional governments and local authorities or guaranteed by PSEs, regional governments and local authorities</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">SSPE</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_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">Central banks, general governments</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_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">SME subject to SME-supporting factor</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_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">Corporates</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" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x52" xlink:label="loc_eba_x52" />
    <link:label xlink:type="resource" xlink:label="label_eba_x52" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">BIS, IMF, EC, MDBs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x52" xlink:to="label_eba_x52" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x53" xlink:label="loc_eba_x53" />
    <link:label xlink:type="resource" xlink:label="label_eba_x53" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">BIS, IMF, EC, MDBs, EFSF and ESM or guaranteed by them</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x53" xlink:to="label_eba_x53" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x54" xlink:label="loc_eba_x54" />
    <link:label xlink:type="resource" xlink:label="label_eba_x54" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central banks and non-central government PSE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x54" xlink:to="label_eba_x54" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x55" xlink:label="loc_eba_x55" />
    <link:label xlink:type="resource" xlink:label="label_eba_x55" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central banks and non-central government PSE or guaranteed by Central banks and non-central government PSE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x55" xlink:to="label_eba_x55" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x56" xlink:label="loc_eba_x56" />
    <link:label xlink:type="resource" xlink:label="label_eba_x56" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central Credit Institutions or members of an Institutional Protection Scheme</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x56" xlink:to="label_eba_x56" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x57" xlink:label="loc_eba_x57" />
    <link:label xlink:type="resource" xlink:label="label_eba_x57" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central Credit Institutions or members of an Institutional Protection Scheme or guaranteed by then</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x57" xlink:to="label_eba_x57" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x58" xlink:label="loc_eba_x58" />
    <link:label xlink:type="resource" xlink:label="label_eba_x58" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central government, PSE, MDB</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x58" xlink:to="label_eba_x58" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x59" xlink:label="loc_eba_x59" />
    <link:label xlink:type="resource" xlink:label="label_eba_x59" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central governments, central Banks or guaranteed by central governments or central banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x59" xlink:to="label_eba_x59" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x60" xlink:label="loc_eba_x60" />
    <link:label xlink:type="resource" xlink:label="label_eba_x60" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Companies included in major index</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x60" xlink:to="label_eba_x60" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x61" xlink:label="loc_eba_x61" />
    <link:label xlink:type="resource" xlink:label="label_eba_x61" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than Central governments, central banks, non-central government PSE, Fiscal autonomy regions and local authorities, BIS, IMF, EC, MDBs, EFSF and ESM or guaranteed by them</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x61" xlink:to="label_eba_x61" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x62" xlink:label="loc_eba_x62" />
    <link:label xlink:type="resource" xlink:label="label_eba_x62" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Deposit Guarantee Scheme or assimilated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x62" xlink:to="label_eba_x62" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x63" xlink:label="loc_eba_x63" />
    <link:label xlink:type="resource" xlink:label="label_eba_x63" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">EFSF and ESM</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x63" xlink:to="label_eba_x63" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x64" xlink:label="loc_eba_x64" />
    <link:label xlink:type="resource" xlink:label="label_eba_x64" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">ESSF and ESM or guaranteed by ESSF and ESM</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x64" xlink:to="label_eba_x64" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x65" xlink:label="loc_eba_x65" />
    <link:label xlink:type="resource" xlink:label="label_eba_x65" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial customers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x65" xlink:to="label_eba_x65" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x66" xlink:label="loc_eba_x66" />
    <link:label xlink:type="resource" xlink:label="label_eba_x66" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial customers other than Credit institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x66" xlink:to="label_eba_x66" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x67" xlink:label="loc_eba_x67" />
    <link:label xlink:type="resource" xlink:label="label_eba_x67" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial customers other than Financial corporations and SSPE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x67" xlink:to="label_eba_x67" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x68" xlink:label="loc_eba_x68" />
    <link:label xlink:type="resource" xlink:label="label_eba_x68" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Local governments</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x68" xlink:to="label_eba_x68" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x69" xlink:label="loc_eba_x69" />
    <link:label xlink:type="resource" xlink:label="label_eba_x69" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">MDBs or guaranteed by MDBs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x69" xlink:to="label_eba_x69" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x70" xlink:label="loc_eba_x70" />
    <link:label xlink:type="resource" xlink:label="label_eba_x70" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Natural persons other than commercial sole proprietors and partnerships</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x70" xlink:to="label_eba_x70" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x71" xlink:label="loc_eba_x71" />
    <link:label xlink:type="resource" xlink:label="label_eba_x71" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-central government PSE, Fiscal autonomy regions and local authorities or guaranteed by them</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x71" xlink:to="label_eba_x71" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x72" xlink:label="loc_eba_x72" />
    <link:label xlink:type="resource" xlink:label="label_eba_x72" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customer</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x72" xlink:to="label_eba_x72" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x73" xlink:label="loc_eba_x73" />
    <link:label xlink:type="resource" xlink:label="label_eba_x73" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customers other than Central Banks, Non-financial corporations and Retail</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x73" xlink:to="label_eba_x73" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x74" xlink:label="loc_eba_x74" />
    <link:label xlink:type="resource" xlink:label="label_eba_x74" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customers other than Retail, Central governments, central banks, PSEs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x74" xlink:to="label_eba_x74" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x75" xlink:label="loc_eba_x75" />
    <link:label xlink:type="resource" xlink:label="label_eba_x75" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Other financial corporations (deprecated)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x75" xlink:to="label_eba_x75" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x536" xlink:label="loc_eba_x536" />
    <link:label xlink:type="resource" xlink:label="label_eba_x536" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than Other financial institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x536" xlink:to="label_eba_x536" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x537" xlink:label="loc_eba_x537" />
    <link:label xlink:type="resource" xlink:label="label_eba_x537" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial corporations, Non-financial corporations. Private</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x537" xlink:to="label_eba_x537" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x538" xlink:label="loc_eba_x538" />
    <link:label xlink:type="resource" xlink:label="label_eba_x538" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Households, Non-financial corporations. Private</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x538" xlink:to="label_eba_x538" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x539" xlink:label="loc_eba_x539" />
    <link:label xlink:type="resource" xlink:label="label_eba_x539" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">National or supra-national authority</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x539" xlink:to="label_eba_x539" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x540" xlink:label="loc_eba_x540" />
    <link:label xlink:type="resource" xlink:label="label_eba_x540" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial corporations. Private</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x540" xlink:to="label_eba_x540" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x541" xlink:label="loc_eba_x541" />
    <link:label xlink:type="resource" xlink:label="label_eba_x541" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">State, public authority or public-owned entity</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x541" xlink:to="label_eba_x541" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x542" xlink:label="loc_eba_x542" />
    <link:label xlink:type="resource" xlink:label="label_eba_x542" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">10th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x542" xlink:to="label_eba_x542" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x543" xlink:label="loc_eba_x543" />
    <link:label xlink:type="resource" xlink:label="label_eba_x543" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">1st largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x543" xlink:to="label_eba_x543" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x544" xlink:label="loc_eba_x544" />
    <link:label xlink:type="resource" xlink:label="label_eba_x544" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">2nd largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x544" xlink:to="label_eba_x544" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x545" xlink:label="loc_eba_x545" />
    <link:label xlink:type="resource" xlink:label="label_eba_x545" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">3rd largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x545" xlink:to="label_eba_x545" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x546" xlink:label="loc_eba_x546" />
    <link:label xlink:type="resource" xlink:label="label_eba_x546" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">4th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x546" xlink:to="label_eba_x546" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x547" xlink:label="loc_eba_x547" />
    <link:label xlink:type="resource" xlink:label="label_eba_x547" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">5th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x547" xlink:to="label_eba_x547" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x548" xlink:label="loc_eba_x548" />
    <link:label xlink:type="resource" xlink:label="label_eba_x548" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">6th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x548" xlink:to="label_eba_x548" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x549" xlink:label="loc_eba_x549" />
    <link:label xlink:type="resource" xlink:label="label_eba_x549" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">7th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x549" xlink:to="label_eba_x549" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x550" xlink:label="loc_eba_x550" />
    <link:label xlink:type="resource" xlink:label="label_eba_x550" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">8th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x550" xlink:to="label_eba_x550" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x551" xlink:label="loc_eba_x551" />
    <link:label xlink:type="resource" xlink:label="label_eba_x551" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">9th largest counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x551" xlink:to="label_eba_x551" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x552" xlink:label="loc_eba_x552" />
    <link:label xlink:type="resource" xlink:label="label_eba_x552" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">BIS, IMF, EU, MDBs or guaranteed by BIS, IMF, EU, MDBs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x552" xlink:to="label_eba_x552" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x553" xlink:label="loc_eba_x553" />
    <link:label xlink:type="resource" xlink:label="label_eba_x553" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than Central Credit Institutions or members of an Institutional Protection Scheme</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x553" xlink:to="label_eba_x553" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x554" xlink:label="loc_eba_x554" />
    <link:label xlink:type="resource" xlink:label="label_eba_x554" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than retail</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x554" xlink:to="label_eba_x554" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x555" xlink:label="loc_eba_x555" />
    <link:label xlink:type="resource" xlink:label="label_eba_x555" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than the ten largest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x555" xlink:to="label_eba_x555" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x556" xlink:label="loc_eba_x556" />
    <link:label xlink:type="resource" xlink:label="label_eba_x556" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">EFSF and ESM or guaranteed by EFSF and ESM</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x556" xlink:to="label_eba_x556" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x557" xlink:label="loc_eba_x557" />
    <link:label xlink:type="resource" xlink:label="label_eba_x557" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">No Guarantors or guarantors other than a Deposit Guarantee Scheme or assimilated</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x557" xlink:to="label_eba_x557" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x558" xlink:label="loc_eba_x558" />
    <link:label xlink:type="resource" xlink:label="label_eba_x558" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customers</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x558" xlink:to="label_eba_x558" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x559" xlink:label="loc_eba_x559" />
    <link:label xlink:type="resource" xlink:label="label_eba_x559" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customers other than Retail</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x559" xlink:to="label_eba_x559" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x560" xlink:label="loc_eba_x560" />
    <link:label xlink:type="resource" xlink:label="label_eba_x560" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Ten largest counterparties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x560" xlink:to="label_eba_x560" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x561" xlink:label="loc_eba_x561" />
    <link:label xlink:type="resource" xlink:label="label_eba_x561" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Ten largest funding counterparties</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x561" xlink:to="label_eba_x561" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x562" xlink:label="loc_eba_x562" />
    <link:label xlink:type="resource" xlink:label="label_eba_x562" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">1st funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x562" xlink:to="label_eba_x562" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x563" xlink:label="loc_eba_x563" />
    <link:label xlink:type="resource" xlink:label="label_eba_x563" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">2nd funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x563" xlink:to="label_eba_x563" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x564" xlink:label="loc_eba_x564" />
    <link:label xlink:type="resource" xlink:label="label_eba_x564" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">3rd funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x564" xlink:to="label_eba_x564" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x565" xlink:label="loc_eba_x565" />
    <link:label xlink:type="resource" xlink:label="label_eba_x565" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">4th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x565" xlink:to="label_eba_x565" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x566" xlink:label="loc_eba_x566" />
    <link:label xlink:type="resource" xlink:label="label_eba_x566" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">5th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x566" xlink:to="label_eba_x566" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x567" xlink:label="loc_eba_x567" />
    <link:label xlink:type="resource" xlink:label="label_eba_x567" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">6th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x567" xlink:to="label_eba_x567" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x568" xlink:label="loc_eba_x568" />
    <link:label xlink:type="resource" xlink:label="label_eba_x568" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">7th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x568" xlink:to="label_eba_x568" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x569" xlink:label="loc_eba_x569" />
    <link:label xlink:type="resource" xlink:label="label_eba_x569" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">8th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x569" xlink:to="label_eba_x569" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x570" xlink:label="loc_eba_x570" />
    <link:label xlink:type="resource" xlink:label="label_eba_x570" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">9th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x570" xlink:to="label_eba_x570" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x571" xlink:label="loc_eba_x571" />
    <link:label xlink:type="resource" xlink:label="label_eba_x571" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">10th funding counterparty</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x571" xlink:to="label_eba_x571" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x572" xlink:label="loc_eba_x572" />
    <link:label xlink:type="resource" xlink:label="label_eba_x572" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Funding counterparties other than the ten largest</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x572" xlink:to="label_eba_x572" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x573" xlink:label="loc_eba_x573" />
    <link:label xlink:type="resource" xlink:label="label_eba_x573" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial customers and central banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x573" xlink:to="label_eba_x573" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x574" xlink:label="loc_eba_x574" />
    <link:label xlink:type="resource" xlink:label="label_eba_x574" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Credit institutions, multilateral development banks and PSEs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x574" xlink:to="label_eba_x574" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x575" xlink:label="loc_eba_x575" />
    <link:label xlink:type="resource" xlink:label="label_eba_x575" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central governments, multilateral development banks, public sector entities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x575" xlink:to="label_eba_x575" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x576" xlink:label="loc_eba_x576" />
    <link:label xlink:type="resource" xlink:label="label_eba_x576" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparty is central government, public sector entity &lt;= RW20%, multi lateral development bank</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x576" xlink:to="label_eba_x576" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x577" xlink:label="loc_eba_x577" />
    <link:label xlink:type="resource" xlink:label="label_eba_x577" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than central banks, central government, public sector entity &lt;= RW20%, multi lateral development bank</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x577" xlink:to="label_eba_x577" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x578" xlink:label="loc_eba_x578" />
    <link:label xlink:type="resource" xlink:label="label_eba_x578" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central governments, central banks, multilateral development banks and public sector entities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x578" xlink:to="label_eba_x578" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x579" xlink:label="loc_eba_x579" />
    <link:label xlink:type="resource" xlink:label="label_eba_x579" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Regulated institutions other than credit institutions</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x579" xlink:to="label_eba_x579" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x580" xlink:label="loc_eba_x580" />
    <link:label xlink:type="resource" xlink:label="label_eba_x580" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Central governments or central banks, regional governments and local authorities and PSE</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x580" xlink:to="label_eba_x580" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x581" xlink:label="loc_eba_x581" />
    <link:label xlink:type="resource" xlink:label="label_eba_x581" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial customers other than central banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x581" xlink:to="label_eba_x581" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x582" xlink:label="loc_eba_x582" />
    <link:label xlink:type="resource" xlink:label="label_eba_x582" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Non-financial customers other than retail, non-financial corporations, central governments, MDBs, PSEs</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x582" xlink:to="label_eba_x582" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x596" xlink:label="loc_eba_x596" />
    <link:label xlink:type="resource" xlink:label="label_eba_x596" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Intragroup or IPS inflows from maturing securities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x596" xlink:to="label_eba_x596" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x598" xlink:label="loc_eba_x598" />
    <link:label xlink:type="resource" xlink:label="label_eba_x598" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Financial corporations other than credit institutions and investment firms</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x598" xlink:to="label_eba_x598" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x599" xlink:label="loc_eba_x599" />
    <link:label xlink:type="resource" xlink:label="label_eba_x599" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Investment firms</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x599" xlink:to="label_eba_x599" />
    <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">Unknown counterparty</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_x606" xlink:label="loc_eba_x606" />
    <link:label xlink:type="resource" xlink:label="label_eba_x606" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">All counterparties other than employees</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x606" xlink:to="label_eba_x606" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x607" xlink:label="loc_eba_x607" />
    <link:label xlink:type="resource" xlink:label="label_eba_x607" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Tax authorities, social security authorities</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x607" xlink:to="label_eba_x607" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x601" xlink:label="loc_eba_x601" />
    <link:label xlink:type="resource" xlink:label="label_eba_x601" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Employee</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x601" xlink:to="label_eba_x601" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x602" xlink:label="loc_eba_x602" />
    <link:label xlink:type="resource" xlink:label="label_eba_x602" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Payment and Securities Systems, their operators or participants</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x602" xlink:to="label_eba_x602" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x603" xlink:label="loc_eba_x603" />
    <link:label xlink:type="resource" xlink:label="label_eba_x603" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Institutions.BRRD definition</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x603" xlink:to="label_eba_x603" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x604" xlink:label="loc_eba_x604" />
    <link:label xlink:type="resource" xlink:label="label_eba_x604" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Client</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x604" xlink:to="label_eba_x604" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x605" xlink:label="loc_eba_x605" />
    <link:label xlink:type="resource" xlink:label="label_eba_x605" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Other than SME</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x605" xlink:to="label_eba_x605" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x608" xlink:label="loc_eba_x608" />
    <link:label xlink:type="resource" xlink:label="label_eba_x608" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Specific Deposit Guarantee Scheme</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x608" xlink:to="label_eba_x608" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x609" xlink:label="loc_eba_x609" />
    <link:label xlink:type="resource" xlink:label="label_eba_x609" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than financial corporations and central banks</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x609" xlink:to="label_eba_x609" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x610" xlink:label="loc_eba_x610" />
    <link:label xlink:type="resource" xlink:label="label_eba_x610" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Specified type of counterparty or subsector (1)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x610" xlink:to="label_eba_x610" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x611" xlink:label="loc_eba_x611" />
    <link:label xlink:type="resource" xlink:label="label_eba_x611" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Specified type of counterparty or subsector (2)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x611" xlink:to="label_eba_x611" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x612" xlink:label="loc_eba_x612" />
    <link:label xlink:type="resource" xlink:label="label_eba_x612" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Specified type of counterparty or subsector (3)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x612" xlink:to="label_eba_x612" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x613" xlink:label="loc_eba_x613" />
    <link:label xlink:type="resource" xlink:label="label_eba_x613" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Monetary financial institutions (MFIs)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x613" xlink:to="label_eba_x613" />
    <link:loc xlink:type="locator" xlink:href="mem.xsd#eba_x614" xlink:label="loc_eba_x614" />
    <link:label xlink:type="resource" xlink:label="label_eba_x614" xml:lang="en" xlink:role="http://www.xbrl.org/2003/role/label">Counterparties other than Monetary financial institutions (MFIs)</link:label>
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="loc_eba_x614" xlink:to="label_eba_x614" />
    <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">Insurance companies, pension funds</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:labelLink>
</link:linkbase>