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<!--
  This file is part of the Dutch Taxonomy (Nederlandse Taxonomie; NT)
  Intellectual Property of the State of the Netherlands
  Architecture: NT13
  Version: 20181212.a
  Release date: Tue Jun 19 09:00:00 2018
-->
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_loc" xlink:to="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_loc" xlink:to="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_loc" xlink:to="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSecuritiesBanks_loc" xlink:to="kvk-lr-b_NotesSecuritiesBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSecuritiesBreakdownBanks_loc" xlink:to="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSegmentReportingSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_loc" xlink:to="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_loc" xlink:to="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_loc" xlink:to="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_loc" xlink:to="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-b_ReceivablesFromCustomersBanks_loc" xlink:to="kvk-lr-b_ReceivablesFromCustomersBanks_label_fr" xlink:type="arc"/>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_fr" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentEconomicLifeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Immobilisations corporelles : Durée de vie économique</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentEconomicLifeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Immobilisations corporelles : Durée de vie économique</label:label>
    <label:label id="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_fr" xlink:label="kvk-lr-b_ConsolidatedBalanceSheetBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Bilan consolidé</label:label>
    <label:label id="kvk-lr-b_BalanceSheetBanks_label_fr" xlink:label="kvk-lr-b_BalanceSheetBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Bilan</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'autres participations</label:label>
    <label:label id="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfExigibilityOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'exigibilité des obligations et autres titres à revenus fixe</label:label>
    <label:label id="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'immobilisations corporelles</label:label>
    <label:label id="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de dettes rattachées à des participations</label:label>
    <label:label id="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de participations dans des sociétés apparentées</label:label>
    <label:label id="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfIssuerOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories des émetteurs d'obligations et autres titres à revenus fixe</label:label>
    <label:label id="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfPublicOfferingOfBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories des émetteurs d'obligations et autres titres à revenus fixe</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories échéance</label:label>
    <label:label id="kvk-lr-b_ClassesOfMaturityOtherBanks_label_fr" xlink:label="kvk-lr-b_ClassesOfMaturityOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories échéance</label:label>
    <label:label id="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_fr" xlink:label="kvk-lr-b_ConsolidatedIncomeStatementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte des pertes et profits consolidé</label:label>
    <label:label id="kvk-lr-b_IncomeStatementBanks_label_fr" xlink:label="kvk-lr-b_IncomeStatementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte des pertes et profits</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_fr" xlink:label="kvk-lr-b_ReceivablesFromCreditInstitutionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Créances sur des établissements de crédit</label:label>
    <label:label id="kvk-lr-b_ReceivablesFromCustomersBanks_label_fr" xlink:label="kvk-lr-b_ReceivablesFromCustomersBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Créances sur des établissements de crédit</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Actions et autres titres à revenus non fixe : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesSharesOtherVariableYieldSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Actions et autres titres à revenus non fixe</label:label>
    <label:label id="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_fr" xlink:label="kvk-lr-b_NotesDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Amortissements et changements de valeur à la charge des immobilisations corporelles et incorporelles</label:label>
    <label:label id="kvk-lr-b_NotesAssetsOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesAssetsOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres actifs</label:label>
    <label:label id="kvk-lr-b_NotesPayablesOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres dettes</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres participations : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres participations</label:label>
    <label:label id="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_fr" xlink:label="kvk-lr-b_NotesGovernmentSecuritiesForCentralBankRefinancingBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Bons du Trésor éligibles au refinancement auprès de la banque centrale</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_fr" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseExtraordinaryItemsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charge d'impôt sur le revenu provenant de résultat extraordinaires</label:label>
    <label:label id="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesIncomeTaxExpenseOrdinaryActivitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charge d'impôt sur le résultat provenant d'activités ordinaires</label:label>
    <label:label id="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesInterestExpensesRelatedExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charges d'intérêt et charges liées</label:label>
    <label:label id="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesInterestIncomeRelatedIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charges d'intérêt et produits liés</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesExtraordinaryExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charges exceptionnelles</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_fr" xlink:label="kvk-lr-b_NotesCommissionsReceivedAndReceivableBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Commission reçue</label:label>
    <label:label id="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_fr" xlink:label="kvk-lr-b_NotesCommissionsPaidAndPayableBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Commission versée</label:label>
    <label:label id="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Comptes de régularisation</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur clients par garantie : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur clients par secteur : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur clients par secteur d'activité : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur clients par zone géographique : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur des établissements de crédit par garantie : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Concentrations de créances sur des établissements de crédit par zone géographique : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Coûts de personnel et autres coûts administratifs</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur clients : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur clients : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur clients</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur établissements d'investissement : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur établissements d'investissement : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur établissements d'investissement</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur établissements de crédit à échéance non déterminée : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances sur établissements de crédit à échéance non déterminée : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes conditionnelles : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesContingentLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesContingentLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes conditionnelles</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesCustomersBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes envers des clients : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCustomersBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesCustomersBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes envers des clients</label:label>
    <label:label id="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes envers des sociétés apparentées et participants aux participations : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes subordonnées : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes subordonnées : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesSubordinatedLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes subordonnées</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes à des établissements de crédit : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_fr" xlink:label="kvk-lr-b_NotesPayablesCreditInstitutionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes à des établissements de crédit</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dépréciation de créances et provisions pour passif repris dans le bilan</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dépréciation des titres et participations appartenant aux immobilisations</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesCashInHandBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Encaisse : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesCashInHandBanks_label_fr" xlink:label="kvk-lr-b_NotesCashInHandBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Encaisse</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Engagements irrévocables : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesIrrevocableCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Engagements irrévocables :</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Fonds pour risques bancaires généraux : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_fr" xlink:label="kvk-lr-b_NotesGeneralBankingRisksReserveBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Fonds pour risques bancaires généraux</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Immobilisations corporelles : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_fr" xlink:label="kvk-lr-b_NotesPropertyPlantEquipmentBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Immobilisations corporelles</label:label>
    <label:label id="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesSegmentReportingSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Information segmentée : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBanks_label_fr" xlink:label="kvk-lr-b_NotesCapitalRatioBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Note sur les ratios de fonds propres</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations et autres titres à revenus fixe : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations et autres titres à revenus fixe, cotation en bourse : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations et autres titres à revenus fixe, exigibilité : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations et autres titres à revenus fixe, émetteur : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations et autres titres à revenus fixe</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Participations dans des sociétés apparentées : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:label="kvk-lr-b_NotesInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Participations dans des sociétés apparentées :</label:label>
    <label:label id="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_fr" xlink:label="kvk-lr-b_NotesGeneralAccountingPrinciplesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Politique générale en matière de comptabilité</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits de titres et participations: Autres montants : Ventilation</label:label>
    <label:label id="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits de titres et participations</label:label>
    <label:label id="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesExtraordinaryIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits exceptionnels</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_fr" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits financiers dérivés</label:label>
    <label:label id="kvk-lr-b_NotesAccruedIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesAccruedIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits à recevoir</label:label>
    <label:label id="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesCapitalRatioBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Ratios de fonds propres : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Reprise de dépréciation des titres et participations appartenant aux immobilisations</label:label>
    <label:label id="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Reprise dépréciation de créances et provisions pour passif repris dans le bilan</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat de transactions financières : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_fr" xlink:label="kvk-lr-b_NotesResultFromFinancialTransactionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat de transactions financières :</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesSecuritiesBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Titres : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesDebtSecuritiesBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Titres de créances : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesDebtSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesDebtSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Titres de créances</label:label>
    <label:label id="kvk-lr-b_NotesSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Titres</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Valeur nominale sous-jacente des produits financiers dérivés : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Valeur positive réelle des produits financiers dérivés : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_fr" xlink:label="kvk-lr-b_NotesCalledUpShareCapitalBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Versement requis par les actionnaires</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesAccountingPrinciplesAssetsLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - politique relative à l'évaluation de l'actif et du passif</label:label>
    <label:label id="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_fr" xlink:label="kvk-lr-b_NotesAccountingPrinciplesResultBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - politique relative à la détermination du résultat</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Actions et autres titres à revenus non fixe : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSharesOtherVariableYieldSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Actions et autres titres à revenus non fixe</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDepreciationAmortisationAndChangesValuePropertyPlantEquipmentIntangibleAssetsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Amortissements et changements de valeur à la charge des immobilisations corporelles et incorporelles</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAssetsOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres actifs</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres dettes</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres participations : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsOtherBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres participations</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedGovernmentSecuritiesForCentralBankRefinancingBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Bons du Trésor éligibles au refinancement auprès de la banque centrale</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseExtraordinaryItemsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Charge d'impôt sur le revenu provenant de résultat extraordinaires</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Charge d'impôt sur le résultat provenant d'activités ordinaires</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInterestExpensesRelatedExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Charges d'intérêt et charges liées</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInterestIncomeRelatedIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Charges d'intérêt et produits liés</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Charges exceptionnelles</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsPaidAndPayableBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Commission versée</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCommissionsReceivedAndReceivableBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Commissions reçues</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAccrualsAndDeferredIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Comptes de régularisation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationCollateralSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur clients par garantie : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationSectorSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur clients par secteur : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationIndustrySpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur clients par secteur d'activité : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur clients par zone géographique : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationCollateralSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur des établissements de crédit par garantie : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsConcentrationGeographicAreaSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Concentrations de créances sur des établissements de crédit par zone géographique : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedEmployeeBenefitsAndOtherAdministrativeExpensesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Coûts de personnel et autres coûts administratifs</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur clients : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur clients : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur clients</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCustomersIndefiniteMaturityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur consommateurs à échéance non déterminée : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur établissements de crédit : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur établissements de crédit : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsIndefiniteMaturityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur établissements de crédit à échéance non déterminée : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedReceivablesFromCreditInstitutionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances sur établissements de crédit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes conditionnelles : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedContingentLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes conditionnelles</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes envers des clients : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCustomersBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes envers des clients</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesGroupCompaniesAndShareholdersParticipatingInterestsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes envers des sociétés apparentées et participants aux participations : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes envers des établissements de crédit : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPayablesCreditInstitutionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes envers des établissements de crédit</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes subordonnées : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes subordonnées : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSubordinatedLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes subordonnées</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dépréciation de créances et provisions pour passif repris dans le bilan</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dépréciation des titres et participations appartenant aux immobilisations</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Engagements irrévocables : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIrrevocableCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Engagements irrévocables</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Fonds pour risques bancaires généraux : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedGeneralBankingRisksReserveBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Fonds pour risques bancaires généraux</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Immobilisations corporelles : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedPropertyPlantEquipmentBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Immobilisations corporelles</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSegmentReportingSpecificationBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Information segmentée : Spécification</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Note sur les ratios de fonds propres</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations et autres titres à revenus fixe : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations et autres titres à revenus fixe :</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesPublicOfferingBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations et autres titres à revenus fixe, cotation en bourse : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesExigibilityBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations et autres titres à revenus fixe, exigibilité : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedBondsOtherFixedIncomeSecuritiesIssuerBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations et autres titres à revenus fixe, émetteur : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedShareInResultsParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Part dans le bénéfice (la perte) d'intérêts de participation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesMovementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Participations dans des sociétés apparentées : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedInvestmentsInParticipatingInterestsInGroupCompaniesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Participations dans des sociétés apparentées</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedGeneralAccountingPrinciplesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Politique générale en matière de comptabilité</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsOtherAmountsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits de titres et participations: Autres montants : Ventilation</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedIncomeFromSecuritiesAndInvestmentsInParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits de titres et participations</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedExtraordinaryIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits exceptionnels</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits financiers dérivés</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAccruedIncomeBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits à recevoir</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCapitalRatioBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Ratios de fonds propres : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfReceivablesAndProvisionsForOnBalanceSheetCommitmentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Reprise de dépréciation de créances et provisions pour passif repris dans le bilan</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDecreaseInValueReleaseOfNoncurrentSecuritiesInvestmentsParticipatingInterestsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Reprise de dépréciation des titres et participations appartenant aux immobilisations</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat de transactions financières : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedResultFromFinancialTransactionsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat de transactions financières</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Tableau des flux de trésorerie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCashInHandBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Tableau des flux de trésorerie</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Titres : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBreakdownMaturityBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Titres de créances : Répartition par échéance</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDebtSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Titres de créances</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedSecuritiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Titres</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsNotionalAmountBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Valeur nominale sous-jacente des produits financiers dérivés : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedDerivativeFinancialInstrumentsPositiveFairValueBreakdownBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Valeur positive réelle des produits financiers dérivés : Répartition</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedCalledUpShareCapitalBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Versement requis par les actionnaires</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - politique relative à l'évaluation de l'actif et du passif</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAccountingPrinciplesResultBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - politique relative à la détermination du résultat</label:label>
    <label:label id="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_fr" xlink:label="kvk-lr-b_NotesAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur état financier - Montant des actifs et passifs libellés en devises</label:label>
    <label:label id="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_fr" xlink:label="kvk-lr-b_NotesConsolidatedAmountOfAssetsLiabilitiesInForeignCurrenciesBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur état financier consolidé - Montant des actifs et passifs libellés en devises</label:label>
    <label:label id="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_fr" xlink:label="kvk-lr-b_DerivativeFinancialInstrumentsBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Produits financiers dérivés</label:label>
    <label:label id="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_fr" xlink:label="kvk-lr-b_ConsolidatedCashFlowStatementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Tableau des flux de trésorerie consolidé</label:label>
    <label:label id="kvk-lr-b_CashFlowStatementBanks_label_fr" xlink:label="kvk-lr-b_CashFlowStatementBanks_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Tableau des flux de trésorerie</label:label>
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    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfMaturityOtherBanks" xlink:label="kvk-lr-b_ClassesOfMaturityOtherBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks" xlink:label="kvk-lr-b_ClassesOfPayablesParticipatingInterestsBanks_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks" xlink:label="kvk-lr-b_ClassesOfPropertyPlantEquipmentBanks_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks" xlink:label="kvk-lr-b_NotesAccrualsAndDeferredIncomeBanks_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-linkroles-banks.xsd#kvk-lr-b_NotesCashInHandBanks" xlink:label="kvk-lr-b_NotesCashInHandBanks_loc" xlink:type="locator"/>
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