<?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: NT21
  Version: 20261209.a
  Release date: April, 2026
-->
<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="http://www.xbrl.org/2008/role/link" xlink:href="http://www.xbrl.org/2008/generic-link.xsd#standard-link-role" 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="http://www.xbrl.org/2008/role/link" xlink:type="extended">
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_BalanceSheetPensionFunds_loc" xlink:to="kvk-lr-p-f_BalanceSheetPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_CashFlowStatementPensionFunds_loc" xlink:to="kvk-lr-p-f_CashFlowStatementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_loc" xlink:to="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_loc" xlink:to="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:to="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_loc" xlink:to="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:to="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_loc" xlink:to="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesAssetsOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesAssetsOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_loc" xlink:to="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesExpensesOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesExpensesOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesIncomeOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesIncomeOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_loc" xlink:to="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_loc" xlink:to="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_loc" xlink:to="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_loc" xlink:to="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_loc" xlink:to="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_en" xlink:type="arc"/>
    <gen:arc xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_loc" xlink:to="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_en" xlink:type="arc"/>
    <label:label id="kvk-lr-p-f_BalanceSheetPensionFunds_label_en" xlink:label="kvk-lr-p-f_BalanceSheetPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Balance sheet</label:label>
    <label:label id="kvk-lr-p-f_CashFlowStatementPensionFunds_label_en" xlink:label="kvk-lr-p-f_CashFlowStatementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Cash flow statement</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of foundation capital and reserves</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments on behalf of pension fund receivables payables: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments on behalf of pension fund</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of investments</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of participating interests</label:label>
    <label:label id="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Classes of provisions other</label:label>
    <label:label id="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Components of pension obligations participants</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_label_en" xlink:label="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated balance sheet</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_label_en" xlink:label="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated cash flow statement</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated income and expenses statement appropriation balance income expenses</label:label>
    <label:label id="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_label_en" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Consolidated income and expenses statement</label:label>
    <label:label id="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:label="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income and expenses statement appropriation balance income expenses</label:label>
    <label:label id="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_label_en" xlink:label="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Income and expenses statement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles applied to the valuation of assets and liabilities</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Assets other: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Assets other</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change in reinsurance part of technical provision: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change in reinsurance part of technical provision: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change in reinsurance part of technical provision</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Change provision pension obligations on behalf of pension fund</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Insurance policies: Receivables from insurance policies not immediately due from current account: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: Transaction costs: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: asset management expenses categories, previous period: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: asset management expenses categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results: asset management expenses: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investment results</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Other investments on behalf of participants: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants: Other investments on behalf of participants: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund investments: Other investments: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund investments: Other investments: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund receivables and payables, previous period: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund receivables and payables: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments on behalf of pension fund</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Investments: net pension arrangements</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other expenses</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other income</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other liabilities: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Other liabilities</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Other participating interests, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Other participating interests, previous period: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Other participating interests: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests: Other participating interests: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Participating interests</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Payables VPL arrangements received but not yet utilised</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Pension administration expenses: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Pension administration expenses</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Pension benefits</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Premium contributions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Premium contributions</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of pension fund number of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of pension fund number of participants: Number of other participants, previous period: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of pension fund number of participants: Number of other participants: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of pension fund participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations on behalf of pension fund: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations: Payout capacity: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provision pension obligations: Spreading capacity: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other: Maturity</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other: Other provisions, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other: Other provisions: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other: Other provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions other</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Provisions: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables and prepayments: Breakdown maturity</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables and prepayments: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables and prepayments: Other receivables: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables and prepayments</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables from insurance policies not immediately due from current account: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Receivables from insurance policies not immediately due from current account</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reinsurance part technical provisions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reinsurance part technical provisions: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reinsurance part technical provisions: Other contracts reinsurance: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reinsurance part technical provisions: Other receivables from reinsurance part technical provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Reinsurance part technical provisions</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Remainder assets: Other remainder assets: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Share in results of participating interests: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Subordinated loans</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Technical provisions other, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Technical provisions other: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Technical provisions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Technical provisions: Other technical provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Technical provisions</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Transfers of rights balance: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the consolidated financial statements - Transfers of rights balance</label:label>
    <label:label id="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Accounting principles applied to the valuation of assets and liabilities</label:label>
    <label:label id="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Accounting principles for the determination of the result</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Assets other: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesAssetsOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Assets other</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change in reinsurance part of technical provision: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change in reinsurance part of technical provision: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change in reinsurance part of technical provision</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Change provision pension obligations on behalf of pension fund</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Designated reserve, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Designated reserve: Movement schedule: specification</label:label>
    <label:label id="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Designated reserves: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Foundation capital and reserves - required equity: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Foundation capital and reserves, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Foundation capital and reserves: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Foundation capital and reserves</label:label>
    <label:label id="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Insurance policies: Receivables from insurance policies not immediately due from current account: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: Transaction costs: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: asset management expenses categories, previous period: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: asset management expenses categories: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results: asset management expenses: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investment results</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Other investments on behalf of participants: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants: Other investments on behalf of participants: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund investments: Other investments: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund investments: Other investments: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund receivables and payables, previous period: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund receivables and payables: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund: Other investments on behalf of pension fund investment: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments on behalf of pension fund</label:label>
    <label:label id="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Investments: net pension arrangements</label:label>
    <label:label id="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Legal statutory reserves: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesExpensesOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesExpensesOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other expenses</label:label>
    <label:label id="kvk-lr-p-f_NotesIncomeOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesIncomeOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other income</label:label>
    <label:label id="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other liabilities: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Other liabilities</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Other participating interests, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Other participating interests, previous period: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Other participating interests: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests: Other participating interests: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Participating interests</label:label>
    <label:label id="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Payables VPL arrangements received but not yet utilised</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Pension administration expenses: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Pension administration expenses</label:label>
    <label:label id="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Pension benefits</label:label>
    <label:label id="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Premium contributions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Premium contributions</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of participants</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of pension fund number of participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of pension fund number of participants: Number of other participants, previous period: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of pension fund number of participants: Number of other participants: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of pension fund participants: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations on behalf of pension fund: Movement</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations: Payout capacity: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provision pension obligations: Spreading capacity: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other: Maturity</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other: Other provisions, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other: Other provisions: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other: Other provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions other</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions, previous period: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Provisions: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables and prepayments: Breakdown maturity</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables and prepayments: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables and prepayments: Other receivables: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables and prepayments</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables from insurance policies not immediately due from current account: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Receivables from insurance policies not immediately due from current account</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Reinsurance part technical provisions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Reinsurance part technical provisions: Movement schedule</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Reinsurance part technical provisions: Other contracts reinsurance: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Reinsurance part technical provisions: Other receivables from reinsurance part technical provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Reinsurance part technical provisions</label:label>
    <label:label id="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Remainder assets: Other remainder assets: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Individual investment above five percent: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investment properties portfolio composition by class: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investment properties portfolio composition by currency: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investment properties portfolio composition by region: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments disclosure</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments fixed income securities portfolio composition by credit rating: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments fixed income securities portfolio composition by currency: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments fixed income securities portfolio composition by duration: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments shares portfolio composition by currency: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments shares portfolio composition by industry: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: Investments shares portfolio composition by region: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: pension obligations</label:label>
    <label:label id="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Risk section: risk management disclosure</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Segment reporting: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:label="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Share in results of participating interests: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Subordinated loans</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Technical provisions other, previous period: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Technical provisions other: Movement schedule: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Technical provisions: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Technical provisions: Other technical provisions: Specification</label:label>
    <label:label id="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Technical provisions</label:label>
    <label:label id="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Transfers of rights balance: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_label_en" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Notes to the financial statements - Transfers of rights balance</label:label>
    <label:label id="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Provision pension obligations on behalf of participants: Movement</label:label>
    <label:label id="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Provision pension obligations on behalf of pension fund: Movement</label:label>
    <label:label id="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_label_en" xlink:label="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Reinsurance part technical provisions: Movement</label:label>
    <label:label id="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_en" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Report of the Management Board: Breakdown</label:label>
    <label:label id="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_en" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_label_en" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">Report of the Management Board</label:label>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_BalanceSheetPensionFunds" xlink:label="kvk-lr-p-f_BalanceSheetPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_CashFlowStatementPensionFunds" xlink:label="kvk-lr-p-f_CashFlowStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfFoundationCapitalAndReservesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFundBreakdownReceivablesPayablesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsOnBehalfOfPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfInvestmentsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfInvestmentsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfParticipatingInterestsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds" xlink:label="kvk-lr-p-f_ClassesOfProvisionsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds" xlink:label="kvk-lr-p-f_ComponentsOfPensionObligationsParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedBalanceSheetPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedCashFlowStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds" xlink:label="kvk-lr-p-f_ConsolidatedIncomeExpensesStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds" xlink:label="kvk-lr-p-f_IncomeExpensesStatementAppropriationBalanceIncomeExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_IncomeExpensesStatementPensionFunds" xlink:label="kvk-lr-p-f_IncomeExpensesStatementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds" xlink:label="kvk-lr-p-f_NotesAccountingPrinciplesResultPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesAssetsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesAssetsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesAssetsLiabilitiesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAccountingPrinciplesResultPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherOtherAssetsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedAssetsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeProvisionPensionObligationsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedChangeReinsurancePartTechnicalProvisionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedExpensesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedIncomeOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInsurancePoliciesCurrentAccountSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentResultsTransactionCostsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsNetPensionArrangementsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedLiabilitiesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedParticipatingInterestsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionAdministrationExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPensionBenefitsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedPremiumContributionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionNumberParticipantsSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownMaturityPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsOtherProvisionsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsPayoutCapacitySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedProvisionsSpreadingCapacitySpecificiationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsurancePartTechnicalProvisionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationByGeographyPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedSegmentReportingSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesConsolidatedShareResultsParticipatingInterestsSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedSubordinatedLoansPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalanceBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds" xlink:label="kvk-lr-p-f_NotesConsolidatedTransfersOfRightsBalancePensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesDesignatedReserveMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesDesignatedReservesSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesExpensesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesExpensesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesFoundationCapitalAndReservesRequiredEquityBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesIncomeOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesIncomeOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInsurancePoliciesCurrentAccountSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsAssetManagementExpensesCategoriesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsCategoriesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentResultsTransactionCostsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsNetPensionArrangementsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundInvestmentsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesInvestmentsOnBehalfOfPensionFundReceivablesPayablesBreakdownPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesLegalStatutoryReservesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesLiabilitiesOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesParticipatingInterestsPensionFunds" xlink:label="kvk-lr-p-f_NotesParticipatingInterestsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds" xlink:label="kvk-lr-p-f_NotesPayablesVPLArrangementsReceivedNotYetUtilisedPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds" xlink:label="kvk-lr-p-f_NotesPensionAdministrationExpensesPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPensionBenefitsPensionFunds" xlink:label="kvk-lr-p-f_NotesPensionBenefitsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesPremiumContributionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesPremiumContributionsPensionFunds" xlink:label="kvk-lr-p-f_NotesPremiumContributionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionNumberParticipantsSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsBehalfPensionFundParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfParticipantsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionPensionObligationsPensionFundNumberParticipantsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownMaturityPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherMovementPreviousPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsOtherProvisionsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsPayoutCapacitySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds" xlink:label="kvk-lr-p-f_NotesProvisionsSpreadingCapacitySpecificiationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownMaturityPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesAndPrepaymentsReceivablesOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesFromInsurancePoliciesNotImmediatelyDueFromCurrentAccountPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesReceivablesInsurancePoliciesNotDueCurrentAccountBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds" xlink:label="kvk-lr-p-f_NotesReinsurancePartTechnicalProvisionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsContractsSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesReinsuranceTechnicalProvisionsReceivablesSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionIndividualInvestmentAboveFivePercentSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByClassSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentPropertiesPortfolioCompositionByRegionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompCreditRatingSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsFixedIncomeSecuritiesPortfolioCompositionByDurationSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByCurrencySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByIndustrySpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionInvestmentsSharesPortfolioCompositionByRegionSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionPensionObligationsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds" xlink:label="kvk-lr-p-f_NotesRiskSectionRiskManagementDisclosurePensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationByGeographyPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesSegmentReportingSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal" xlink:label="kvk-lr-p-f_NotesShareResultsParticipatingInterestsSpecificationPensionFundsTotal_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesSubordinatedLoansPensionFunds" xlink:label="kvk-lr-p-f_NotesSubordinatedLoansPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementPreviousSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsOtherMovementSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds" xlink:label="kvk-lr-p-f_NotesTechnicalProvisionsTechnicalProvisionsOtherSpecificationPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalanceBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds" xlink:label="kvk-lr-p-f_NotesTransfersOfRightsBalancePensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfParticipantsMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds" xlink:label="kvk-lr-p-f_ProvisionPensionObligationsOnBehalfOfPensionFundMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds" xlink:label="kvk-lr-p-f_ReinsurancePartTechnicalProvisionMovementPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardBreakdownPensionFunds_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-linkroles-pension-funds.xsd#kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds" xlink:label="kvk-lr-p-f_ReportOfTheManagementBoardPensionFunds_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
