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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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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccruedIncomeDisclosureTitle" xlink:label="kvk-abstr_AccruedIncomeDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AmountOfAssetsLiabilitiesInForeignCurrenciesTitle" xlink:label="kvk-abstr_AmountOfAssetsLiabilitiesInForeignCurrenciesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AnnualReportTitle" xlink:label="kvk-abstr_AnnualReportTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AssetsOtherDisclosureTitle" xlink:label="kvk-abstr_AssetsOtherDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AuditorsFeesTitle" xlink:label="kvk-abstr_AuditorsFeesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AverageNumberEmployeesTitle" xlink:label="kvk-abstr_AverageNumberEmployeesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_BalanceSheetTitle" xlink:label="kvk-abstr_BalanceSheetTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_BondsOtherFixedIncomeSecuritiesDisclosureTitle" xlink:label="kvk-abstr_BondsOtherFixedIncomeSecuritiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CalledUpShareCapitalDisclosureTitle" xlink:label="kvk-abstr_CalledUpShareCapitalDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CapitalRatioDisclosureTitle" xlink:label="kvk-abstr_CapitalRatioDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CashFlowStatementTitle" xlink:label="kvk-abstr_CashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CashInHandDisclosureTitle" xlink:label="kvk-abstr_CashInHandDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangesInValueIntangibleAssetsPropertyPlantEquipmentTitle" xlink:label="kvk-abstr_ChangesInValueIntangibleAssetsPropertyPlantEquipmentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CommissionsPaidAndPayableDisclosureTitle" xlink:label="kvk-abstr_CommissionsPaidAndPayableDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CommissionsReceivedAndReceivableDisclosureTitle" xlink:label="kvk-abstr_CommissionsReceivedAndReceivableDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAccrualsAndDeferredIncomeDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedAccrualsAndDeferredIncomeDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAuditorsFeesTitle" xlink:label="kvk-abstr_ConsolidatedAuditorsFeesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAverageNumberEmployeesTitle" xlink:label="kvk-abstr_ConsolidatedAverageNumberEmployeesTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGeneralBankingRisksReserveDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedGeneralBankingRisksReserveDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGovernmentSecuritiesForCentralBankRefinancingDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedGovernmentSecuritiesForCentralBankRefinancingDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeTaxExpenseTitle" xlink:label="kvk-abstr_ConsolidatedIncomeTaxExpenseTitle_loc" xlink:type="locator"/>
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