<?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="urn:kvk:linkrole:consolidated-balance-sheet-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedBalanceSheetBanks" xlink:type="simple"/>
  <link:arcroleRef arcroleURI="http://xbrl.org/arcrole/2008/element-label" xlink:href="http://www.xbrl.org/2008/generic-label.xsd#element-label" xlink:type="simple"/>
  <gen:link xlink:role="urn:kvk:linkrole:consolidated-balance-sheet-banks" xlink:type="extended">
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtExistence1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_label_EN" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_loc" xlink:to="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:type="arc"/>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`Assets` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtExistence1_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtExistence1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`BalanceSheetBeforeAfterAppropriationResults` MUST exist at least once.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`BondsOtherFixedIncomeSecurities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`DebtSecurities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST101Variable1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to + `Assets`.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityAndLiabilities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`EquityGroup` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`IntangibleAssets` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`InvestmentsInParticipatingInterestsInGroupCompanies` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`InvestmentsInParticipatingInterestsOther` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`PayablesBanks` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`PayablesCustomersDeposits` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`PayablesCustomersOtherLiabilities` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`PayablesCustomers` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`PropertyPlantEquipment` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ReceivablesFromBanks` SHOULD be equal to the summation of the underlying values.</label:label>
    <label:label id="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_label_EN" xlink:label="ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_label_EN" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="en">`ReceivablesFromCustomers` SHOULD be equal to the summation of the underlying values.</label:label>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1" xlink:label="existenceAssertion_ConsolidatedBalanceSheetBanks_PrtExistence1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentCredit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST1SumOfChildrenDParentDebit8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-balance-sheet-banks-for.xml#valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1" xlink:label="valueAssertion_ConsolidatedBalanceSheetBanks_PrtFST101Variable1_loc" xlink:type="locator"/>
  </gen:link>
</link:linkbase>
