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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_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_CashFlowStatementTitle" xlink:label="kvk-abstr_CashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_ChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangeProvisionPensionObligationsOnBehalfOfPensionFundDisclosureTitle" xlink:label="kvk-abstr_ChangeProvisionPensionObligationsOnBehalfOfPensionFundDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ChangeReinsurancePartTechnicalProvisionDisclosureTitle" xlink:label="kvk-abstr_ChangeReinsurancePartTechnicalProvisionDisclosureTitle_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_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_ConsolidatedCashFlowStatementTitle" xlink:label="kvk-abstr_ConsolidatedCashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedChangeReinsurancePartTechnicalProvisionDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeReinsurancePartTechnicalProvisionDisclosureTitle_loc" xlink:type="locator"/>
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    <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_ConsolidatedDisclosureIncomeExpensesStatementTitle" xlink:label="kvk-abstr_ConsolidatedDisclosureIncomeExpensesStatementTitle_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_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"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeExpensesStatementTitle" xlink:label="kvk-abstr_ConsolidatedIncomeExpensesStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedIncomeOtherDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeOtherDisclosureTitle_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_ConsolidatedInvestmentResultsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedInvestmentResultsDisclosureTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedMaterialImpairmentLossCashflowGeneratingUnitSpecificationTitle" xlink:label="kvk-abstr_ConsolidatedMaterialImpairmentLossCashflowGeneratingUnitSpecificationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedMaterialImpairmentLossIndividualAssetSpecificationTitle" xlink:label="kvk-abstr_ConsolidatedMaterialImpairmentLossIndividualAssetSpecificationTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedNoncontrollingInterestTitle" xlink:label="kvk-abstr_ConsolidatedNoncontrollingInterestTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedPremiumContributionsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedPremiumContributionsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedPropertyPlantEquipmentTitle" xlink:label="kvk-abstr_ConsolidatedPropertyPlantEquipmentTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSegmentReportingTitle" xlink:label="kvk-abstr_ConsolidatedSegmentReportingTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedShareBasedPaymentsTitle" xlink:label="kvk-abstr_ConsolidatedShareBasedPaymentsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSubordinatedLoansDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedSubordinatedLoansDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedSubsequentEventsTitle" xlink:label="kvk-abstr_ConsolidatedSubsequentEventsTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ResultsAppropriationTitle" xlink:label="kvk-abstr_ResultsAppropriationTitle_loc" xlink:type="locator"/>
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    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_RightsGrantedNotYetExercisedTitle" xlink:label="kvk-abstr_RightsGrantedNotYetExercisedTitle_loc" xlink:type="locator"/>
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