<?xml version="1.0" encoding="UTF-8" standalone="yes"?>
<!--
  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
-->
<link:linkbase xmlns:gen="http://xbrl.org/2008/generic" xmlns:label="http://xbrl.org/2008/label" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://xbrl.org/2008/generic http://www.xbrl.org/2008/generic-link.xsd http://xbrl.org/2008/label http://www.xbrl.org/2008/generic-label.xsd">
  <link:roleRef roleURI="http://www.xbrl.org/2008/role/label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#standard-label" xlink:type="simple"/>
  <link:roleRef roleURI="urn:kvk:linkrole:balance-sheet-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_BalanceSheetBanks" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:balance-sheet-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2_loc" xlink:to="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtFST101Variable1_loc" xlink:to="BalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtOnlyReportFactCurrent1_loc" xlink:to="BalanceSheetBanks_PrtOnlyReportFactCurrent1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_BalanceSheetBanks_PrtValueThnNoExistenceCovA1_loc" xlink:to="BalanceSheetBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:type="arc"/>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Assets SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtOnlyReportFactCurrent1_label_EN" xlink:label="BalanceSheetBanks_PrtOnlyReportFactCurrent1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">BalanceSheetBeforeAfterAppropriationResults SHOULD only be reported for the current reporting period.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">BondsOtherFixedIncomeSecurities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">DebtSecurities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Equity SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:label="BalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">EquityAndLiabilities SHOULD be equal to + Assets.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">EquityAndLiabilities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">IntangibleAssets SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">InvestmentsInParticipatingInterestsInGroupCompanies SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">InvestmentsInParticipatingInterestsOther SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">LegalStatutoryReserves SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">PayablesCreditInstitutions SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">PayablesCustomers SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">PayablesCustomersDeposits SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">PayablesCustomersOtherLiabilities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">PropertyPlantEquipment SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:label="BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">ReceivablesFromBanks SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="BalanceSheetBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:label="BalanceSheetBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of BalanceSheetBeforeAfterAppropriationResults is equal to Na then ResultForTheYear SHOULD NOT be reported.</label:label>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentCreditCompl1E5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST1SumOfChildrenDParentDebitCompl1E2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtFST101Variable1" xlink:label="valueAssertion_BalanceSheetBanks_PrtFST101Variable1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtOnlyReportFactCurrent1" xlink:label="valueAssertion_BalanceSheetBanks_PrtOnlyReportFactCurrent1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-balance-sheet-banks-for.xml#valueAssertion_BalanceSheetBanks_PrtValueThnNoExistenceCovA1" xlink:label="valueAssertion_BalanceSheetBanks_PrtValueThnNoExistenceCovA1_loc" xlink:type="locator"/>
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