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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-ppi.xsd#kvk-abstr-ppi_ConsolidatedSumOfTransferTransferredPensionObligationsDisclosureTitle" xlink:label="kvk-abstr-ppi_ConsolidatedSumOfTransferTransferredPensionObligationsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_DeductedManagementFeesAndOtherFeesTitle" xlink:label="kvk-abstr-ppi_DeductedManagementFeesAndOtherFeesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_ExpirationCapitalTitle" xlink:label="kvk-abstr-ppi_ExpirationCapitalTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_InvestmentsOnBehalfOfPremiumPensionInstitutionsTitle" xlink:label="kvk-abstr-ppi_InvestmentsOnBehalfOfPremiumPensionInstitutionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_InvestmentsResultsOnBehalfOfParticipantsTitle" xlink:label="kvk-abstr-ppi_InvestmentsResultsOnBehalfOfParticipantsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_InvestmentsResultsOnBehalfOfPremiumPensionInstitutionsTitle" xlink:label="kvk-abstr-ppi_InvestmentsResultsOnBehalfOfPremiumPensionInstitutionsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_ObligationsOnBehalfOfParticipantsTitle" xlink:label="kvk-abstr-ppi_ObligationsOnBehalfOfParticipantsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_OtherLiabilitiesAndAccruedLiabilitiesTitle" xlink:label="kvk-abstr-ppi_OtherLiabilitiesAndAccruedLiabilitiesTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_OtherReimbursementsTitle" xlink:label="kvk-abstr-ppi_OtherReimbursementsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_ReimbursementActivitiesInvestmentsTitle" xlink:label="kvk-abstr-ppi_ReimbursementActivitiesInvestmentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_SumOfTransferTakenPensionObligationsTitle" xlink:label="kvk-abstr-ppi_SumOfTransferTakenPensionObligationsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts-ppi.xsd#kvk-abstr-ppi_SumOfTransferTransferredPensionObligationsTitle" xlink:label="kvk-abstr-ppi_SumOfTransferTransferredPensionObligationsTitle_loc" xlink:type="locator"/>
    <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_AnnualReportTitle" xlink:label="kvk-abstr_AnnualReportTitle_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_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_ChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_ChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle_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_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_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_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsDisclosureTitle_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_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_ConsolidatedExpensesOtherDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedExpensesOtherDisclosureTitle_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_ConsolidatedIncomeOtherDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedIncomeOtherDisclosureTitle_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_ConsolidatedIntangibleAssetsTitle" xlink:label="kvk-abstr_ConsolidatedIntangibleAssetsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedInvestmentsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedInvestmentsOnBehalfOfParticipantsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ConsolidatedLiabilitiesNoncurrentTitle" xlink:label="kvk-abstr_ConsolidatedLiabilitiesNoncurrentTitle_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_ConsolidatedOtherAssetsOtherTitle" xlink:label="kvk-abstr_ConsolidatedOtherAssetsOtherTitle_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_ConsolidatedPensionAdministrationExpensesDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedPensionAdministrationExpensesDisclosureTitle_loc" xlink:type="locator"/>
    <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"/>
    <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_ConsolidatedReceivablesAndPrepaymentsDisclosureTitle" xlink:label="kvk-abstr_ConsolidatedReceivablesAndPrepaymentsDisclosureTitle_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_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_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"/>
    <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_ConsolidatedSubsequentEventsTitle" xlink:label="kvk-abstr_ConsolidatedSubsequentEventsTitle_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_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_ExpensesOtherTitle" xlink:label="kvk-abstr_ExpensesOtherTitle_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_IncomeOtherDisclosureTitle" xlink:label="kvk-abstr_IncomeOtherDisclosureTitle_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_InformationOtherTitle" xlink:label="kvk-abstr_InformationOtherTitle_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_InvestmentsOnBehalfOfParticipantsDisclosureTitle" xlink:label="kvk-abstr_InvestmentsOnBehalfOfParticipantsDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LiabilitiesNoncurrentTitle" xlink:label="kvk-abstr_LiabilitiesNoncurrentTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_LicensingAgreementsTitle" xlink:label="kvk-abstr_LicensingAgreementsTitle_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_NotesConsolidatedLicensingAgreementsTitle" xlink:label="kvk-abstr_NotesConsolidatedLicensingAgreementsTitle_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_OtherAssetsOtherTitle" xlink:label="kvk-abstr_OtherAssetsOtherTitle_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_PensionAdministrationExpensesDisclosureTitle" xlink:label="kvk-abstr_PensionAdministrationExpensesDisclosureTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_PremiumContributionsDisclosureTitle" xlink:label="kvk-abstr_PremiumContributionsDisclosureTitle_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_ReceivablesAndPrepaymentsDisclosureTitle" xlink:label="kvk-abstr_ReceivablesAndPrepaymentsDisclosureTitle_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_ResultsAppropriationTitle" xlink:label="kvk-abstr_ResultsAppropriationTitle_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_SegmentReportingTitle" xlink:label="kvk-abstr_SegmentReportingTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureBalanceSheetTitle" xlink:label="kvk-abstr_SeparateDisclosureBalanceSheetTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureCashFlowStatementTitle" xlink:label="kvk-abstr_SeparateDisclosureCashFlowStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateDisclosureIncomeStatementTitle" xlink:label="kvk-abstr_SeparateDisclosureIncomeStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SeparateFinancialStatementTitle" xlink:label="kvk-abstr_SeparateFinancialStatementTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_ShareBasedPaymentsTitle" xlink:label="kvk-abstr_ShareBasedPaymentsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SigningDisclosureFinancialStatementsTitle" xlink:label="kvk-abstr_SigningDisclosureFinancialStatementsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-abstracts.xsd#kvk-abstr_SubsequentEventsTitle" xlink:label="kvk-abstr_SubsequentEventsTitle_loc" xlink:type="locator"/>
    <link:loc xlink:href="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/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="../dictionary/kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedAccountingPrinciplesResultPremiumPensionInstitutions_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedDeductedManagementFeesAndOtherFeesPremiumPensionInstitutions_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedExpensesOtherPremiumPensionInstitutions_loc" xlink:type="locator"/>
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    <link:loc xlink:href="../dictionary/kvk-linkroles-premium-pension-institutions.xsd#kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions" xlink:label="kvk-lr-p-p-i_NotesConsolidatedIncomeOtherPremiumPensionInstitutions_loc" xlink:type="locator"/>
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