<?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:consolidated-cash-flow-statement-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedCashFlowStatementBanks" 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:consolidated-cash-flow-statement-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST102Variables1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables2_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST102Variables2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST103Variables1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables2_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtFST103Variables2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17_loc" xlink:to="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17_label_EN" xlink:type="arc"/>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">AdditionsAcquisitionsClassifiedAsInvestingActivities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">AdjustmentsReconcileNetResult SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowFinancingActivities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowFromOperations SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowInvestingActivities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST103Variables1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST103Variables1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowOperatingActivities SHOULD be equal to + CashFlowFromOperations + IncreaseDecreaseOperationalActivities - IncomeTaxPaidClassifiedAsOperatingActivities.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST102Variables1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST102Variables1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowOperatingActivities SHOULD be equal to + CashFlowOperatingActivitiesBeforeTax - IncomeTaxPaidClassifiedAsOperatingActivities.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST102Variables2_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST102Variables2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">CashFlowOperatingActivitiesBeforeTax SHOULD be equal to + CashFlowFromOperations + IncreaseDecreaseOperationalActivities.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">DisposalsRedemptionsDivestituresClassifiedAsInvestingActivities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">IncreaseDecreaseCashAndCashEquivalents SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">IncreaseDecreaseOperationalActivities SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST103Variables2_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST103Variables2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">NetCashFlows SHOULD be equal to + CashFlowOperatingActivities + CashFlowInvestingActivities + CashFlowFinancingActivities.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Reported value of CashAndCashEquivalentsCashFlow at end of period SHOULD be equal to sum of reported value of CashAndCashEquivalentsCashFlow at beginning of period and changes in that value during period, IncreaseDecreaseCashAndCashEquivalents.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When CashAndCashEquivalentsCashFlow is reported then CashFlowStatementMethodType MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When CashFlowFinancingActivities is reported then CashFlowStatementMethodType MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When EffectExchangeRateChangesCashAndCashEquivalents is reported then CashFlowStatementMethodType MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When IncreaseDecreaseCashAndCashEquivalents is reported then CashFlowStatementMethodType MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When NetCashFlows is reported then CashFlowStatementMethodType MUST exist at least once.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then AdjustmentsDepreciationAndAmortisationExpense SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then AdjustmentsReconcileNetResult SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then IncreaseDecreaseGeneralBankingRisksReserve SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then IncreaseDecreaseInOtherAccruals SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then IncreaseDecreaseInReceivables SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then IncreaseDecreaseProvisions SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Direct then NetResultCashFlow SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then CashFlowOperatingActivitiesBeforeTax SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then CashFlowsOperatingActivitiesOther SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then CommissionsPaid SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then CommissionsReceived SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then DividendsReceivedClassifiedAsOperatingActivities SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then IncomeTaxPaidClassifiedAsOperatingActivities SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then InterestPaidClassifiedAsOperatingActivities SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then InterestReceivedClassifiedAsOperatingActivities SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then PaymentsEmployees SHOULD NOT be reported.</label:label>
    <label:label id="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2_label_EN" xlink:label="ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">When the reported value of CashFlowStatementMethodType is equal to Indirect then PaymentsSuppliers SHOULD NOT be reported.</label:label>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtExistenceThnExistenceCovA5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1PeriodStartMutationPeriodEnd1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST1SumOfChildrenParentDebit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST102Variables2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtFST103Variables2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA9_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA10_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA11_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA12_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA13_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA14_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA15_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA16_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-cash-flow-statement-banks-for.xml#valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17" xlink:label="valueAssertion_ConsolidatedCashFlowStatementBanks_PrtValueThnNoExistenceCovA17_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
