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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 order="17" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="18" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_OtherTechnicalExpensesForOwnAccountTitle_loc" xlink:type="arc"/>
    <gen:arc order="19" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_IncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="20" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_ChangeInEqualisationReserveDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="21" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_IncomeOtherExpensesOtherTitle_loc" xlink:type="arc"/>
    <gen:arc order="22" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_IncomeTaxExpenseOrdinaryActivitiesDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="23" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_ResultAfterTaxExtraordinaryItemsDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="24" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_ResultAnalysisTitle_loc" xlink:type="arc"/>
    <gen:arc order="25" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_IndemnityInsuranceComponentsTitle_loc" xlink:type="arc"/>
    <gen:arc order="26" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_LifeInsuranceOverviewTitle_loc" xlink:type="arc"/>
    <gen:arc order="27" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_LifeInsuranceDetailedOverviewTitle_loc" xlink:type="arc"/>
    <gen:arc order="28" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_GeographicAreaInsuranceContractsTitle_loc" xlink:type="arc"/>
    <gen:arc order="29" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_AcquisitionCostsCapitalisedOverviewTitle_loc" xlink:type="arc"/>
    <gen:arc order="30" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_CommissionsPaidAndPayableTitle_loc" xlink:type="arc"/>
    <gen:arc order="31" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:type="arc"/>
    <gen:arc order="32" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_DamagesAndBenefitsReceivedCentralCashDisclosureTitle_loc" xlink:type="arc"/>
    <gen:arc order="33" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_EmployeeBenefitsExpensesTitle_loc" xlink:type="arc"/>
    <gen:arc order="34" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:to="kvk-abstr_OtherNotesToTheIncomeStatementTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_BalanceSheetTitle_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_IncomeStatementTitle_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_CashFlowStatementTitle_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:to="kvk-abstr_NotesTitle_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsDisclosureInsurance_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsGrossSpecificationInsurance_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SettlementStatisticsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesSettlementStatisticsReinsuranceSpecificationInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-lr_NotesShareBasedPaymentsBreakdown_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-lr_NotesShareBasedPayments_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:to="kvk-lr_NotesShareBasedPaymentsSpecification_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-lr_NotesShareCapitalStatementOfChangesNumberofSharesSpecification_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-lr_NotesShareCapital_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-lr_NotesShareCapitalSpecification_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareCapitalTitle_loc" xlink:to="kvk-lr_NotesShareCapitalDisclosureNumericBreakdown_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:to="kvk-lr_NotesShareResultsParticipatingInterests_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:to="kvk-lr_NotesShareResultsParticipatingInterestsSpecification_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_ShareInResultsParticipatingInterestsTitle_loc" xlink:to="kvk-lr_NotesShareResultsParticipatingInterestsPreviousSpecification_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SharePremiumTitle_loc" xlink:to="kvk-lr_NotesSharePremium_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SharePremiumTitle_loc" xlink:to="kvk-lr_NotesSharePremiumDisclosureNumericBreakdown_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SigningDisclosureFinancialStatementsTitle_loc" xlink:to="kvk-lr_SigningFinancialStatements_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_StatutoryReservesTitle_loc" xlink:to="kvk-lr_NotesStatutoryReserves_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubordinatedLiabilitiesTitle_loc" xlink:to="kvk-lr-in_NotesSubordinatedLiabilitiesInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubsequentEventsTitle_loc" xlink:to="kvk-lr_NotesSubsequentEvents_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_SubsequentEventsTitle_loc" xlink:to="kvk-lr_NotesSubsequentEventsSpecification_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsMovementInsurance_loc" xlink:type="arc"/>
    <gen:arc order="2" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="3" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsInsurance_loc" xlink:type="arc"/>
    <gen:arc order="4" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionDiscretionaryProfitSharingMovementInsurance_loc" xlink:type="arc"/>
    <gen:arc order="5" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsUnearnedPremiumsUnexpiredRisksBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="6" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsLifeInsuranceBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="7" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="8" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForDamagesOrBenefitsPayableDiscountRateInsurance_loc" xlink:type="arc"/>
    <gen:arc order="9" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsEqualisationReserveMovementInsurance_loc" xlink:type="arc"/>
    <gen:arc order="10" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsOtherBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="11" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsRiskPolicyHoldersAnnualLifeFundsBreakdownInsurance_loc" xlink:type="arc"/>
    <gen:arc order="12" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_TechnicalProvisionsKvkTitle_loc" xlink:to="kvk-lr-in_NotesTechnicalProvisionsForInsuranceWhereInvestmentsAreForRiskOfPolicyHoldersAndAnnualLifeFundsInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_UnrealisedLossOnInvestmentsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesUnrealisedLossOnInvestmentsInsurance_loc" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://www.xbrl.org/2013/arcrole/parent-child" xlink:from="kvk-abstr_UnrealisedProfitOnInvestmentsDisclosureTitle_loc" xlink:to="kvk-lr-in_NotesUnrealisedProfitOnInvestmentsInsurance_loc" xlink:type="arc"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccountingPrinciplesTitle" xlink:label="kvk-abstr_AccountingPrinciplesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccrualsAndDeferredIncomeTitle" xlink:label="kvk-abstr_AccrualsAndDeferredIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AccruedIncomeKvkTitle" xlink:label="kvk-abstr_AccruedIncomeKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AcquisitionCostsCapitalisedOverviewTitle" xlink:label="kvk-abstr_AcquisitionCostsCapitalisedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_AllocatedIncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_AllocatedIncomeFromInvestmentsDisclosureTitle_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_BenefitsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_BenefitsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CapitalisedAcquisitionCostsTitle" xlink:label="kvk-abstr_CapitalisedAcquisitionCostsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CashAndCashEquivalentsTitle" xlink:label="kvk-abstr_CashAndCashEquivalentsTitle_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_ChangeInEqualisationReserveDisclosureTitle" xlink:label="kvk-abstr_ChangeInEqualisationReserveDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangeInOtherTechnicalProvisionsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ChangeInOtherTechnicalProvisionsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_CommissionsPaidAndPayableTitle" xlink:label="kvk-abstr_CommissionsPaidAndPayableTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAccountingPrinciplesTitle" xlink:label="kvk-abstr_ConsolidatedAccountingPrinciplesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAccrualsAndDeferredIncomeTitle" xlink:label="kvk-abstr_ConsolidatedAccrualsAndDeferredIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAccruedIncomeTitle" xlink:label="kvk-abstr_ConsolidatedAccruedIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAcquisitionCostsCapitalisedOverviewTitle" xlink:label="kvk-abstr_ConsolidatedAcquisitionCostsCapitalisedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAllocatedIncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedAllocatedIncomeFromInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedAssetsOtherDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedAssetsOtherDisclosureTitle_loc" xlink:type="locator"/>
    <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"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedBalanceSheetTitle" xlink:label="kvk-abstr_ConsolidatedBalanceSheetTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedBenefitsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedBenefitsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCapitalisedAcquisitionCostsTitle" xlink:label="kvk-abstr_ConsolidatedCapitalisedAcquisitionCostsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCashAndCashEquivalentsTitle" xlink:label="kvk-abstr_ConsolidatedCashAndCashEquivalentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCashFlowStatementTitle" xlink:label="kvk-abstr_ConsolidatedCashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedChangeInEqualisationReserveDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeInEqualisationReserveDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeInOtherTechnicalProvisionsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedCommissionsPaidAndPayableTitle" xlink:label="kvk-abstr_ConsolidatedCommissionsPaidAndPayableTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDamageOutflowOverviewDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedDamageOutflowOverviewDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDamagesAndBenefitsReceivedCentralCashDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedDamagesAndBenefitsReceivedCentralCashDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDamagesForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedDamagesForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDepositsOfReinsurersTitle" xlink:label="kvk-abstr_ConsolidatedDepositsOfReinsurersTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDisclosureBalanceSheetTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureBalanceSheetTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDisclosureCashFlowStatementTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureCashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDisclosureIncomeStatementTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDisclosureOtherTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedDisclosureStatementComprehensiveIncomeTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureStatementComprehensiveIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEarnedPremiumsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedEarnedPremiumsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEmployeeBenefitsExpensesTitle" xlink:label="kvk-abstr_ConsolidatedEmployeeBenefitsExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEquityGroupTitle" xlink:label="kvk-abstr_ConsolidatedEquityGroupTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedEquityTitle" xlink:label="kvk-abstr_ConsolidatedEquityTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedFinancialInstrumentsTitle" xlink:label="kvk-abstr_ConsolidatedFinancialInstrumentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedFinancialStatementTitle" xlink:label="kvk-abstr_ConsolidatedFinancialStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGeneralAccountingPrinciplesTitle" xlink:label="kvk-abstr_ConsolidatedGeneralAccountingPrinciplesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGeneralNotesTitle" xlink:label="kvk-abstr_ConsolidatedGeneralNotesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedGeographicAreaInsuranceContractsTitle" xlink:label="kvk-abstr_ConsolidatedGeographicAreaInsuranceContractsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeFromInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeOtherExpensesOtherTitle" xlink:label="kvk-abstr_ConsolidatedIncomeOtherExpensesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeStatementTitle" xlink:label="kvk-abstr_ConsolidatedIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeTaxExpenseOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeTaxExpenseOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIndemnityInsuranceComponentsTitle" xlink:label="kvk-abstr_ConsolidatedIndemnityInsuranceComponentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsTitle" xlink:label="kvk-abstr_ConsolidatedInsuranceContractsProfitSharingGuaranteesOptionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIntangibleAssetsTitle" xlink:label="kvk-abstr_ConsolidatedIntangibleAssetsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInventoriesTitle" xlink:label="kvk-abstr_ConsolidatedInventoriesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInvestmentExpensesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedInvestmentExpensesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInvestmentsTitle" xlink:label="kvk-abstr_ConsolidatedInvestmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLiabilitiesTitle" xlink:label="kvk-abstr_ConsolidatedLiabilitiesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLiabilityAdequacyTestTitle" xlink:label="kvk-abstr_ConsolidatedLiabilityAdequacyTestTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLifeInsuranceDetailedOverviewTitle" xlink:label="kvk-abstr_ConsolidatedLifeInsuranceDetailedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLifeInsuranceOverviewTitle" xlink:label="kvk-abstr_ConsolidatedLifeInsuranceOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle" xlink:label="kvk-abstr_ConsolidatedLoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedNoncontrollingInterestTitle" xlink:label="kvk-abstr_ConsolidatedNoncontrollingInterestTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedNotesOtherTitle" xlink:label="kvk-abstr_ConsolidatedNotesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedNotesTitle" xlink:label="kvk-abstr_ConsolidatedNotesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedOffBalanceSheetCommitmentsTitle" xlink:label="kvk-abstr_ConsolidatedOffBalanceSheetCommitmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedOperatingExpensesTitle" xlink:label="kvk-abstr_ConsolidatedOperatingExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedOtherNotesToTheIncomeStatementTitle" xlink:label="kvk-abstr_ConsolidatedOtherNotesToTheIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedOtherTechnicalExpensesForOwnAccountTitle" xlink:label="kvk-abstr_ConsolidatedOtherTechnicalExpensesForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedOtherTechnicalIncomeForOwnAccountTitle" xlink:label="kvk-abstr_ConsolidatedOtherTechnicalIncomeForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedPaymentsDueToTerminationOfEmploymentTitle" xlink:label="kvk-abstr_ConsolidatedPaymentsDueToTerminationOfEmploymentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedProfitSharingAndDiscountsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedProfitSharingAndDiscountsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedPropertyPlantEquipmentTitle" xlink:label="kvk-abstr_ConsolidatedPropertyPlantEquipmentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedProvisionsTitle" xlink:label="kvk-abstr_ConsolidatedProvisionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedReceivablesTitle" xlink:label="kvk-abstr_ConsolidatedReceivablesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedRemunerationDirectorsTitle" xlink:label="kvk-abstr_ConsolidatedRemunerationDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultAfterTaxDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultAfterTaxDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultAfterTaxExtraordinaryItemsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultAfterTaxExtraordinaryItemsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultAfterTaxOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultAfterTaxOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultAnalysisTitle" xlink:label="kvk-abstr_ConsolidatedResultAnalysisTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultAttributableNoncontrollingInterestTitle" xlink:label="kvk-abstr_ConsolidatedResultAttributableNoncontrollingInterestTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultBeforeTaxOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultBeforeTaxOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultFromInvestmentsTitle" xlink:label="kvk-abstr_ConsolidatedResultFromInvestmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultTechnicalAccountDamageInsuranceDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultTechnicalAccountDamageInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedResultTechnicalAccountLifeInsuranceDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedResultTechnicalAccountLifeInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedRightsExercisedTitle" xlink:label="kvk-abstr_ConsolidatedRightsExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedRightsGrantedNotYetExercisedTitle" xlink:label="kvk-abstr_ConsolidatedRightsGrantedNotYetExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSettlementStatisticsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedSettlementStatisticsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedShareBasedPaymentsTitle" xlink:label="kvk-abstr_ConsolidatedShareBasedPaymentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedShareInResultsParticipatingInterestsTitle" xlink:label="kvk-abstr_ConsolidatedShareInResultsParticipatingInterestsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedStatementOfComprehensiveIncomeTitle" xlink:label="kvk-abstr_ConsolidatedStatementOfComprehensiveIncomeTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSubordinatedLiabilitiesTitle" xlink:label="kvk-abstr_ConsolidatedSubordinatedLiabilitiesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSubsequentEventsTitle" xlink:label="kvk-abstr_ConsolidatedSubsequentEventsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedTechnicalProvisionsKvkTitle" xlink:label="kvk-abstr_ConsolidatedTechnicalProvisionsKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedUnrealisedLossOnInvestmentsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedUnrealisedLossOnInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedUnrealisedProfitOnInvestmentsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedUnrealisedProfitOnInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DamageOutflowOverviewDisclosureTitle" xlink:label="kvk-abstr_DamageOutflowOverviewDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DamagesAndBenefitsReceivedCentralCashDisclosureTitle" xlink:label="kvk-abstr_DamagesAndBenefitsReceivedCentralCashDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DamagesForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_DamagesForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DepositsOfReinsurersTitle" xlink:label="kvk-abstr_DepositsOfReinsurersTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DifferencesSeparateConsolidatedFinancialStatementsTitle" xlink:label="kvk-abstr_DifferencesSeparateConsolidatedFinancialStatementsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DisclosureCashFlowStatementTitle" xlink:label="kvk-abstr_DisclosureCashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DisclosureOtherTitle" xlink:label="kvk-abstr_DisclosureOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DocumentEntityInformationTitle" xlink:label="kvk-abstr_DocumentEntityInformationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_DocumentInformationTitle" xlink:label="kvk-abstr_DocumentInformationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_EarnedPremiumsForOwnAccountDisclosureTitle" xlink:label="kvk-abstr_EarnedPremiumsForOwnAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_EmployeeBenefitsExpensesTitle" xlink:label="kvk-abstr_EmployeeBenefitsExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_EntityInformationTitle" xlink:label="kvk-abstr_EntityInformationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_EquityTitle" xlink:label="kvk-abstr_EquityTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_FinancialInstrumentsTitle" xlink:label="kvk-abstr_FinancialInstrumentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_FinancialStatementTitle" xlink:label="kvk-abstr_FinancialStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_GeneralAccountingPrinciplesTitle" xlink:label="kvk-abstr_GeneralAccountingPrinciplesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_GeneralNotesTitle" xlink:label="kvk-abstr_GeneralNotesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_GeographicAreaInsuranceContractsTitle" xlink:label="kvk-abstr_GeographicAreaInsuranceContractsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle" xlink:label="kvk-abstr_IncomeFromInvestmentsAllocatedToNonTechnicalAccountDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeFromInvestmentsDisclosureTitle" xlink:label="kvk-abstr_IncomeFromInvestmentsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeOtherExpensesOtherTitle" xlink:label="kvk-abstr_IncomeOtherExpensesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeStatementTitle" xlink:label="kvk-abstr_IncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IncomeTaxExpenseOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_IncomeTaxExpenseOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IndemnityInsuranceComponentsTitle" xlink:label="kvk-abstr_IndemnityInsuranceComponentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InformationOtherTitle" xlink:label="kvk-abstr_InformationOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InsuranceContractsProfitSharingGuaranteesOptionsTitle" xlink:label="kvk-abstr_InsuranceContractsProfitSharingGuaranteesOptionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_IntangibleAssetsTitle" xlink:label="kvk-abstr_IntangibleAssetsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InventoriesTitle" xlink:label="kvk-abstr_InventoriesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InvestmentExpensesDisclosureTitle" xlink:label="kvk-abstr_InvestmentExpensesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_InvestmentsKvkTitle" xlink:label="kvk-abstr_InvestmentsKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LegalReservesTitle" xlink:label="kvk-abstr_LegalReservesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LegalStatutoryReservesDisclosureTitle" xlink:label="kvk-abstr_LegalStatutoryReservesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LiabilitiesKvkTitle" xlink:label="kvk-abstr_LiabilitiesKvkTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LiabilityAdequacyTestTitle" xlink:label="kvk-abstr_LiabilityAdequacyTestTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LifeInsuranceDetailedOverviewTitle" xlink:label="kvk-abstr_LifeInsuranceDetailedOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LifeInsuranceOverviewTitle" xlink:label="kvk-abstr_LifeInsuranceOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle" xlink:label="kvk-abstr_LoansAdvancesGuaranteesOnBehalfOfManagingSupervisoryDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ManagementReportTitle" xlink:label="kvk-abstr_ManagementReportTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_MultiAnnualOverviewTitle" xlink:label="kvk-abstr_MultiAnnualOverviewTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_NotesOtherTitle" xlink:label="kvk-abstr_NotesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_NotesTitle" xlink:label="kvk-abstr_NotesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OffBalanceSheetCommitmentsTitle" xlink:label="kvk-abstr_OffBalanceSheetCommitmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OperatingExpensesTitle" xlink:label="kvk-abstr_OperatingExpensesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherNotesToTheIncomeStatementTitle" xlink:label="kvk-abstr_OtherNotesToTheIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherTechnicalExpensesForOwnAccountTitle" xlink:label="kvk-abstr_OtherTechnicalExpensesForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_OtherTechnicalIncomeForOwnAccountTitle" xlink:label="kvk-abstr_OtherTechnicalIncomeForOwnAccountTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_PaymentsDueToTerminationOfEmploymentTitle" xlink:label="kvk-abstr_PaymentsDueToTerminationOfEmploymentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ProfitSharingAndDiscountsDisclosureTitle" xlink:label="kvk-abstr_ProfitSharingAndDiscountsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_PropertyPlantEquipmentTitle" xlink:label="kvk-abstr_PropertyPlantEquipmentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ProvisionsTitle" xlink:label="kvk-abstr_ProvisionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReceivablesTitle" xlink:label="kvk-abstr_ReceivablesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RemunerationDirectorsTitle" xlink:label="kvk-abstr_RemunerationDirectorsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ReservesOtherTitle" xlink:label="kvk-abstr_ReservesOtherTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAfterTaxDisclosureTitle" xlink:label="kvk-abstr_ResultAfterTaxDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAfterTaxExtraordinaryItemsDisclosureTitle" xlink:label="kvk-abstr_ResultAfterTaxExtraordinaryItemsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAfterTaxOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ResultAfterTaxOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultAnalysisTitle" xlink:label="kvk-abstr_ResultAnalysisTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultBeforeTaxOrdinaryActivitiesDisclosureTitle" xlink:label="kvk-abstr_ResultBeforeTaxOrdinaryActivitiesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultForTheYearTitle" xlink:label="kvk-abstr_ResultForTheYearTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultFromInvestmentsBreakdownTitle" xlink:label="kvk-abstr_ResultFromInvestmentsBreakdownTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultTechnicalAccountDamageInsuranceDisclosureTitle" xlink:label="kvk-abstr_ResultTechnicalAccountDamageInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultTechnicalAccountLifeInsuranceDisclosureTitle" xlink:label="kvk-abstr_ResultTechnicalAccountLifeInsuranceDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultsAppropriationTitle" xlink:label="kvk-abstr_ResultsAppropriationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RetainedEarningsTitle" xlink:label="kvk-abstr_RetainedEarningsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RevaluationReserveTitle" xlink:label="kvk-abstr_RevaluationReserveTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RightsExercisedTitle" xlink:label="kvk-abstr_RightsExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RightsGrantedNotYetExercisedTitle" xlink:label="kvk-abstr_RightsGrantedNotYetExercisedTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureBalanceSheetTitle" xlink:label="kvk-abstr_SeparateDisclosureBalanceSheetTitle_loc" xlink:type="locator"/>
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