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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-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
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    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_loc" xlink:to="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_fr" xlink:type="arc"/>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres créances et produits à recevoir : Ventilation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Autres créances et produits à recevoir</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Créances : Ventilation par période couverte</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Fonds propres</label:label>
    <label:label id="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesEquityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Fonds propres</label:label>
    <label:label id="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Montant de transfert des obligations de pension assumées les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Remboursement des coûts des activités d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels - Virement transféré passif de pension les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres créances et produits à recevoir : Ventilation</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Autres créances et produits à recevoir</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Créances : Ventilation par période couverte</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Montant de transfert des obligations de pension assumées les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Remboursement des coûts des activités d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Annexe aux comptes annuels consolidés - Virement transféré passif de pension les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_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-p-p-i_BalanceSheetPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_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-p-p-i_ClassesOfInvestmentsParticipants_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipants_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-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_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-p-p-i_ClassesOfObligationsOnBehalfOfParticipants_label_fr" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipants_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Catégories d'obligations pour les participants au risque</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits consolidés les participants</label:label>
    <label:label id="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Compte de pertes et profits les participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherAssetsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres actifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesExpensesOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres charges</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres passifs les institutions de retraite premium: Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres passifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesIncomeOtherPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres produits</label:label>
    <label:label id="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Autres remboursements de dépenses les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Capital expiratoire les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Cotisations</label:label>
    <label:label id="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesPensionAdminstrationExpensesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Coûts de gestion des retraites</label:label>
    <label:label id="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Frais de gestion conservés et autres frais les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_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 institutions de retraite premium : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_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 institutions de retraite premium : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfPremiumPensionInstitutions_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 institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_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 participants : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_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 participants : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_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 participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Mouvement provision pour obligations de retraite au risque des participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations pour les participants au risque: Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipants_label_fr" xlink:label="kvk-lr-p-p-i_NotesObligationsOnBehalfOfParticipants_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Obligations pour les participants au risque</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultats d'investissement : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultats d'investissement catégories : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultats d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers - Résultats d'investissement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_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-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_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 les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_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</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres passifs les institutions de retraite premium: Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres passifs les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_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</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Autres remboursements de dépenses les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Capital expiratoire les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Cotisations</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_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 gestion des retraites</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Frais de gestion conservés et autres frais les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_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 institutions de retraite premium : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_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 institutions de retraite premium : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_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 institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_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 participants : Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_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 participants : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_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 participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Mouvement provision pour obligations de retraite au risque des participants</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations pour les participants au risque: Aperçu du déroulement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Obligations pour les participants au risque</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultats d'investissement : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultats d'investissement catégories : Répartition</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultats d'investissement les institutions de retraite premium</label:label>
    <label:label id="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Note sur les états financiers consolidés - Résultats d'investissement</label:label>
    <label:label id="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_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-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_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-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_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-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_fr" xlink:label="kvk-lr-p-p-i_ReportOfTheManagementBoardPremiumPensionInstitutions_label_fr" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="fr">Rapport de gestion</label:label>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_BalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsParticipants" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsParticipants_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ClassesOfInvestmentsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipants" xlink:label="kvk-lr-p-p-i_ClassesOfObligationsOnBehalfOfParticipants_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedBalanceSheetPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_ConsolidatedIncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_IncomeStatementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesAccountingPrinciplesResultPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedEquityPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpirationCapitalPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsCategoriesBreakdownPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentResultsOnBehalfOfPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsBreakdown_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutionsMovement_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedInvestmentsOnBehalfOfPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipantsMovementPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants" xlink:label="kvk-lr-p-p-i_NotesConsolidatedObligationsOnBehalfOfParticipants_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherAssetsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesBreakdownPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherLiabilitiesAndAccruedLiabilitiesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedOtherReimbursementsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPensionAdministrationExpensesPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedPremiumContributionsPremiumPensionInstitutions_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesAndPrepaymentsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReceivablesBreakdownMaturityPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedReimbursementActivitiesInvestmentsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTakenPensionObligationsPremiumPensionInstitutions_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedSumOfTransferTransferredPensionObligationsPremiumPensionInstitutions_loc" xlink:type="locator"/>
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