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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-in_NotesResultAfterTaxExtraordinaryItemsInsurance_loc" xlink:to="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultAfterTaxInsurance_loc" xlink:to="kvk-lr-in_NotesResultAfterTaxInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultAfterTaxOrdinaryActivitiesInsurance_loc" xlink:to="kvk-lr-in_NotesResultAfterTaxOrdinaryActivitiesInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultAnalysisInsurance_loc" xlink:to="kvk-lr-in_NotesResultAnalysisInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultBeforeTaxOrdinaryActivitiesInsurance_loc" xlink:to="kvk-lr-in_NotesResultBeforeTaxOrdinaryActivitiesInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_loc" xlink:to="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_loc" xlink:to="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_loc" xlink:to="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_loc" xlink:to="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_loc" xlink:to="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_ReportOfTheManagementBoardInsurance_loc" xlink:to="kvk-lr-in_ReportOfTheManagementBoardInsurance_label_fr" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-in_SettlementYearInsurance_loc" xlink:to="kvk-lr-in_SettlementYearInsurance_label_fr" xlink:type="arc"/>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsEconomicLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Immobilisations incorporelles : Durée de vie économique</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_fr" xlink:label="kvk-lr-in_NotesIntangibleAssetsEconomicLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Immobilisations incorporelles : Durée de vie économique</label:label>
    <label:label id="kvk-lr-in_DamageYearInsurance_label_fr" xlink:label="kvk-lr-in_DamageYearInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Année d'assurance</label:label>
    <label:label id="kvk-lr-in_SettlementYearInsurance_label_fr" xlink:label="kvk-lr-in_SettlementYearInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Année de règlement</label:label>
    <label:label id="kvk-lr-in_LifeInsurance_label_fr" xlink:label="kvk-lr-in_LifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Assurance-vie</label:label>
    <label:label id="kvk-lr-in_ConsolidatedBalanceSheetInsurance_label_fr" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_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-in_BalanceSheetInsurance_label_fr" xlink:label="kvk-lr-in_BalanceSheetInsurance_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-in_ClassesOfIntangibleAssetsInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfIntangibleAssetsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'actifs incorporels</label:label>
    <label:label id="kvk-lr-in_ClassesOfProvisionsOtherInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfProvisionsOtherInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'autres provisions</label:label>
    <label:label id="kvk-lr-in_ClassesOfInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'investissements</label:label>
    <label:label id="kvk-lr-in_ClassesOfEquityInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfEquityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de capitaux propres</label:label>
    <label:label id="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de comptes techniques</label:label>
    <label:label id="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de coûts d'acquisition portés à l'actif</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de d'assurance pour compte assurance-vie</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de d'assurance pour compte non technique</label:label>
    <label:label id="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories de provisions techniques</label:label>
    <label:label id="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_fr" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories pour compte assurance dommages</label:label>
    <label:label id="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_fr" xlink:label="kvk-lr-in_IndemnityInsuranceComponentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Composants d'assurance dommages</label:label>
    <label:label id="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_label_fr" xlink:label="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Composants des coûts d'acquisition portés à l'actif</label:label>
    <label:label id="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_fr" xlink:label="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat compte non technique</label:label>
    <label:label id="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_label_fr" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat compte technique assurance dommages</label:label>
    <label:label id="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_label_fr" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat compte technique assurance-vie</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_fr" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat consolidé compte non technique</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_fr" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat consolidé compte technique assurance dommages</label:label>
    <label:label id="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_fr" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de résultat consolidé compte technique assurance-vie</label:label>
    <label:label id="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_fr" xlink:label="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">L'assurance dommages et réassurance</label:label>
    <label:label id="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_fr" xlink:label="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">L'assurance-vie et réassurance</label:label>
    <label:label id="kvk-lr-in_NotesResultAnalysisInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultAnalysisInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Analyse du résultat</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesLifeInsuranceOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Aperçu assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Aperçu des coûts d'acquisition portés à l'actif</label:label>
    <label:label id="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesLifeInsuranceDetailedOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Aperçu détaillé assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres actifs : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesAssetsOtherInsurance_label_fr" xlink:label="kvk-lr-in_NotesAssetsOtherInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres actifs note</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres charges techniques pour compte propre : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesOtherTechnicalExpensesForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres charges techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_fr" xlink:label="kvk-lr-in_NotesIncomeOtherExpensesOtherInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres produits et autres charges</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres produits techniques pour compte propre : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesOtherTechnicalIncomeForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres produits techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Bénéfices non réalisés des investissements</label:label>
    <label:label id="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_fr" xlink:label="kvk-lr-in_NotesEquityStatementOfChangesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Capitaux propres : Aperçu du mouvement</label:label>
    <label:label id="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesEquitySolvencyBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Capitaux propres : Solvabilité : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesEquityInsurance_label_fr" xlink:label="kvk-lr-in_NotesEquityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Capitaux propres</label:label>
    <label:label id="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Changement autres provisions techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_fr" xlink:label="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Changement de provisions pour égalisation</label:label>
    <label:label id="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesIncomeTaxExpenseOrdinaryActivitiesInsurance_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-in_NotesInvestmentExpensesInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentExpensesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Charges d'investissement</label:label>
    <label:label id="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_fr" xlink:label="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Commissions versées</label:label>
    <label:label id="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesIndemnityInsuranceComponentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Composants d'assurance dommages</label:label>
    <label:label id="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_label_fr" xlink:label="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_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-in_NotesOperatingExpensesInsurance_label_fr" xlink:label="kvk-lr-in_NotesOperatingExpensesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Coûts d'exploitation</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesReceivablesBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesReceivablesInsurance_label_fr" xlink:label="kvk-lr-in_NotesReceivablesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Créances</label:label>
    <label:label id="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesLiabilitiesBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_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-in_NotesLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesLiabilitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dettes</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dommages et prestations reçues contributions de caisses centrales : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamagesAndBenefitsReceivedCentralCashInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dommages et prestations reçues contributions de caisses centrales</label:label>
    <label:label id="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamagesForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dommages pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_fr" xlink:label="kvk-lr-in_NotesDepositsOfReinsurersInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Dépôts de réassureurs</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesIntangibleAssetsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Immobilisations incorporelles : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesIntangibleAssetsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Immobilisations incorporelles : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesIntangibleAssetsInsurance_label_fr" xlink:label="kvk-lr-in_NotesIntangibleAssetsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Immobilisations incorporelles</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements : répartition</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements au risque des assurés et investissements caisses d'épargne</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Investissements</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Partage des bénéfices et rabais : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_fr" xlink:label="kvk-lr-in_NotesProfitSharingAndDiscountsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Partage des bénéfices et rabais</label:label>
    <label:label id="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Partage des bénéfices, garanties et options en matière de contrats d'assurance</label:label>
    <label:label id="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_fr" xlink:label="kvk-lr-in_NotesInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Participations d'entités d'investissement dans des pools d'investissement description</label:label>
    <label:label id="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Pertes non réalisées des investissements</label:label>
    <label:label id="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Prestations pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesEarnedPremiumsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Primes acquises pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits d'investissement imputés à un compte non technique</label:label>
    <label:label id="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits d'investissement imputés</label:label>
    <label:label id="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesIncomeFromInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Produits d'investissement</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_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 : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_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 : coûts d'acquisition portés à l'actif : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesAccruedIncomeInsurance_label_fr" xlink:label="kvk-lr-in_NotesAccruedIncomeInsurance_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-in_NotesProvisionsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesProvisionsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesProvisionsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques : Provision pour égalisation : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques assurance-vie Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques autres : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques pour les primes non acquises et risques en cours : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques pour obligations discrétionnaires de participation aux bénéfices : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions techniques</label:label>
    <label:label id="kvk-lr-in_NotesProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Provisions</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Réserves légales et statutaires : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_fr" xlink:label="kvk-lr-in_NotesLegalStatutoryReservesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Réserves légales et statutaires</label:label>
    <label:label id="kvk-lr-in_NotesResultAfterTaxInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultAfterTaxInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat après impôts</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultTechnicalAccountDamageInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat compte technique assurance dommages</label:label>
    <label:label id="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultTechnicalAccountLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat compte technique assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultFromInvestmentsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat d'investissements : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultAfterTaxExtraordinaryItemsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat exceptionnels après impôts</label:label>
    <label:label id="kvk-lr-in_NotesResultAfterTaxOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultAfterTaxOrdinaryActivitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat provenant d'activités ordinaires après impôts</label:label>
    <label:label id="kvk-lr-in_NotesResultBeforeTaxOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesResultBeforeTaxOrdinaryActivitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultat provenant d'activités ordinaires avant impôts</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques d'échéance brute : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques d'échéance réassurance : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_label_fr" xlink:label="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques d'échéance, note</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques dommages : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques dommages : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_fr" xlink:label="kvk-lr-in_NotesDamageOutflowOverviewDisclosureInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Statistiques dommages, note</label:label>
    <label:label id="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_fr" xlink:label="kvk-lr-in_NotesLiabilityAdequacyTestInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Test de suffisance</label:label>
    <label:label id="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_fr" xlink:label="kvk-lr-in_NotesGeographicAreaInsuranceContractsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Zone géographique des contrats d'assurance</label:label>
    <label:label id="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_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-in_NotesAccountingPrinciplesResultInsurance_label_fr" xlink:label="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_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-in_NotesConsolidatedResultAnalysisInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultAnalysisInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Analyse du résultat</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Aperçu assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Aperçu des coûts d'acquisition portés à l'actif</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedLifeInsuranceDetailedOverviewInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Aperçu détaillé assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_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 : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_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-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres charges techniques pour compte propre : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalExpensesForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres charges techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIncomeOtherExpensesOtherInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres produits et autres charges</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres produits techniques pour compte propre : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedOtherTechnicalIncomeForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres produits techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedProfitOnInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Bénéfices non réalisés des investissements</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Capitaux propres Solvabilité : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEquityInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedEquityInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Capitaux propres</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Changement autres provisions techniques pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Changement de provisions pour égalisation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIncomeTaxExpenseOrdinaryActivitiesInsurance_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-in_NotesConsolidatedInvestmentExpensesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentExpensesInsurance_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'investissement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Commissions versées</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIndemnityInsuranceComponentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Composants d'assurance dommages</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_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-in_NotesConsolidatedOperatingExpensesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedOperatingExpensesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Coûts d'exploitation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedReceivablesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Créances</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedSubordinatedLiabilitiesInsurance_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-in_NotesConsolidatedLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedLiabilitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dettes</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dommages et prestations reçues contributions de caisses centrales : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dommages et prestations reçues contributions de caisses centrales</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dommages pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Dépôts de réassureurs</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Immobilisations incorporelles : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Immobilisations incorporelles : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIntangibleAssetsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Immobilisations incorporelles</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Investissements : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Investissements : répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsRiskOfPolicyHoldersSavingsBankInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Investissements au risque des assurés et investissements caisses d'épargne</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Investissements</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Partage des bénéfices et rabais : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedProfitSharingAndDiscountsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Partage des bénéfices et rabais</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Partage des bénéfices, garanties et options en matière de contrats d'assurance</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedInvestmentEntitiesInvestmentsPoolsDescriptionInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Participations d'entités d'investissement dans des pools d'investissement description</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedUnrealisedLossOnInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Pertes non réalisées des investissements</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Prestations pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Primes acquises pour compte propre</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits d'investissement imputés à un compte non technique (assurances)</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits d'investissement imputés</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Produits d'investissement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_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 : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_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 : coûts d'acquisition portés à l'actif : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_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-in_NotesConsolidatedProvisionsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsEqualisationReserveMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques : Provision pour égalisation : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsLifeInsuranceBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques assurance-vie : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsOtherBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques autres : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour assurances où les assurés supportent le risque d'investissement et pour les caisses d'épargne : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour assurances où les assurés supportent le risque d'investissement et pour les caisses d'épargne : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour assurances où les assurés supportent le risque d'investissement et pour les caisses d'épargne</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour assurances où les assurés supportent le risque d'investissement et pour les caisses d'épargne</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour dommages ou prestations à verser : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour dommages ou prestations à verser : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour dommages ou prestations à verser, taux d'actualisation</label:label>
    <label:label id="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_fr" xlink:label="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour dommages ou prestations à verser, taux d'actualisation</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour les primes non acquises et risques en cours : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques pour obligations discrétionnaires de participation aux bénéfices : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedTechnicalProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions techniques</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Provisions</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAfterTaxInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultAfterTaxInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat après impôts</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountDamageInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat compte technique assurance dommages</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultTechnicalAccountLifeInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat compte technique assurance-vie</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultFromInvestmentsBreakdownInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat d'investissements : Répartition</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultAfterTaxExtraordinaryItemsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat exceptionnels après impôts</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultAfterTaxOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultAfterTaxOrdinaryActivitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat provenant d'activités ordinaires après impôts</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedResultBeforeTaxOrdinaryActivitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedResultBeforeTaxOrdinaryActivitiesInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultat provenant d'activités ordinaires avant impôts</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsGrossSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques d'échéance brutes Spécification</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsReinsuranceSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques d'échéance réassurance : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedSettlementStatisticsDisclosureInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques d'échéance, note</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques dommages : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques dommages : Spécification</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Statistiques dommages, note</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedLiabilityAdequacyTestInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Test de suffisance</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Zone géographique des contrats d'assurance</label:label>
    <label:label id="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_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-in_NotesConsolidatedAccountingPrinciplesResultInsurance_label_fr" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_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-in_ReportOfTheManagementBoardInsurance_label_fr" xlink:label="kvk-lr-in_ReportOfTheManagementBoardInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Rapport de gestion</label:label>
    <label:label id="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_fr" xlink:label="kvk-lr-in_DamageYearSettlementStatisticsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Statistiques d'échéance de l'année d'assurance</label:label>
    <label:label id="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_label_fr" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_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-in_CashFlowStatementInsurance_label_fr" xlink:label="kvk-lr-in_CashFlowStatementInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Tableau des flux de trésorerie</label:label>
    <label:label id="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_fr" xlink:label="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Zone géographique des contrats d'assurance</label:label>
    <label:label id="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_fr" xlink:label="kvk-lr-in_DurationTechnicalProvisionsInsurance_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Échéance des provisions techniques</label:label>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance" xlink:label="kvk-lr-in_AcquisitionCostsCapitalisedComponentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_BalanceSheetInsurance" xlink:label="kvk-lr-in_BalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_CashFlowStatementInsurance" xlink:label="kvk-lr-in_CashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance" xlink:label="kvk-lr-in_ClassesOfAcquisitionCostsCapitalisedInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfEquityInsurance" xlink:label="kvk-lr-in_ClassesOfEquityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance" xlink:label="kvk-lr-in_ClassesOfInsuranceAccountNonTechnicalInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfIntangibleAssetsInsurance" xlink:label="kvk-lr-in_ClassesOfIntangibleAssetsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfInvestmentsInsurance" xlink:label="kvk-lr-in_ClassesOfInvestmentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfProvisionsOtherInsurance" xlink:label="kvk-lr-in_ClassesOfProvisionsOtherInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfTechnicalAccountsInsurance" xlink:label="kvk-lr-in_ClassesOfTechnicalAccountsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ClassesOfTechnicalProvisionsInsurance" xlink:label="kvk-lr-in_ClassesOfTechnicalProvisionsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedBalanceSheetInsurance" xlink:label="kvk-lr-in_ConsolidatedBalanceSheetInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedCashFlowStatementInsurance" xlink:label="kvk-lr-in_ConsolidatedCashFlowStatementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance" xlink:label="kvk-lr-in_ConsolidatedIncomeStatementTechnicalAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DamageInsuranceAndReinsuranceInsurance" xlink:label="kvk-lr-in_DamageInsuranceAndReinsuranceInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DamageYearInsurance" xlink:label="kvk-lr-in_DamageYearInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DamageYearSettlementStatisticsInsurance" xlink:label="kvk-lr-in_DamageYearSettlementStatisticsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_DurationTechnicalProvisionsInsurance" xlink:label="kvk-lr-in_DurationTechnicalProvisionsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_GeographicAreaInsuranceContractsInsurance" xlink:label="kvk-lr-in_GeographicAreaInsuranceContractsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_IncomeStatementNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountIndemnityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance" xlink:label="kvk-lr-in_IncomeStatementTechnicalAccountLifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_IndemnityInsuranceComponentsInsurance" xlink:label="kvk-lr-in_IndemnityInsuranceComponentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_LifeInsuranceAndReinsuranceInsurance" xlink:label="kvk-lr-in_LifeInsuranceAndReinsuranceInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_LifeInsurance" xlink:label="kvk-lr-in_LifeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance" xlink:label="kvk-lr-in_NotesAccountingPrinciplesAssetsLiabilitiesInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccountingPrinciplesResultInsurance" xlink:label="kvk-lr-in_NotesAccountingPrinciplesResultInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance" xlink:label="kvk-lr-in_NotesAccrualsAndDeferredIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccruedIncomeBreakdownInsurance" xlink:label="kvk-lr-in_NotesAccruedIncomeBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAccruedIncomeInsurance" xlink:label="kvk-lr-in_NotesAccruedIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance" xlink:label="kvk-lr-in_NotesAcquisitionCostsCapitalisedOverviewInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance" xlink:label="kvk-lr-in_NotesAllocatedIncomeFromInvestmentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAssetsOtherBreakdownInsurance" xlink:label="kvk-lr-in_NotesAssetsOtherBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesAssetsOtherInsurance" xlink:label="kvk-lr-in_NotesAssetsOtherInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesBenefitsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesBenefitsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance" xlink:label="kvk-lr-in_NotesCapitalisedAcquisitionCostsMovementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesChangeInEqualisationReserveInsurance" xlink:label="kvk-lr-in_NotesChangeInEqualisationReserveInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesChangeInOtherTechnicalProvisionsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesCommissionsPaidAndPayableInsurance" xlink:label="kvk-lr-in_NotesCommissionsPaidAndPayableInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccountingPrinciplesResultInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccrualsAndDeferredIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAccruedIncomeInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAcquisitionCostsCapitalisedOverviewInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAllocatedIncomeFromInvestmentsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedAssetsOtherInsurance" xlink:label="kvk-lr-in_NotesConsolidatedAssetsOtherInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedBenefitsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance" xlink:label="kvk-lr-in_NotesConsolidatedCapitalisedAcquisitionCostsMovementInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance" xlink:label="kvk-lr-in_NotesConsolidatedChangeInEqualisationReserveInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance" xlink:label="kvk-lr-in_NotesConsolidatedCommissionsPaidAndPayableInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewDisclosureInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamageOutflowOverviewSpecificationPresentationOrderInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamagesAndBenefitsReceivedCentralCashInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDamagesForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance" xlink:label="kvk-lr-in_NotesConsolidatedDepositsOfReinsurersInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedEarnedPremiumsForOwnAccountInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedEquityInsurance" xlink:label="kvk-lr-in_NotesConsolidatedEquityInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance" xlink:label="kvk-lr-in_NotesConsolidatedEquitySolvencyBreakdownInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance" xlink:label="kvk-lr-in_NotesConsolidatedGeographicAreaInsuranceContractsInsurance_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-insurance.xsd#kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance" xlink:label="kvk-lr-in_NotesConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountInsurance_loc" xlink:type="locator"/>
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