<?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-income-statement-banks" xlink:href="../dictionary/kvk-linkroles-banks.xsd#kvk-lr-b_ConsolidatedIncomeStatementBanks" 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-income-statement-banks" xlink:type="extended">
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    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_NL" xlink:type="arc"/>
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    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_NL" xlink:type="arc"/>
    <gen:arc order="1" xlink:arcrole="http://xbrl.org/arcrole/2008/element-label" xlink:from="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:to="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_NL" xlink:type="arc"/>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Indien `NetResultAfterTax` (aan het einde van / gedurende de huidige periode) en `ResultAfterTax` (aan het einde van / gedurende de voorgaande periode) gerapporteerd worden BEHOORT `NetResultAfterTax` (aan het einde van / gedurende de voorgaande periode) ook gerapporteerd te worden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Indien `NetResultAfterTax` (aan het einde van / gedurende de voorgaande periode) en `ResultAfterTax` (aan het einde van / gedurende de huidige periode) gerapporteerd worden BEHOORT `NetResultAfterTax` (aan het einde van / gedurende de huidige periode) ook gerapporteerd te worden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">Wanneer `ResultAttributableNoncontrollingInterest` wordt gerapporteerd dan BEHOORT `NetResultAfterTax` minimaal één keer voor te komen binnen dezelfde context.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`EmployeeBenefitsAndOtherAdministrativeExpenses` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`IncomeFromSecuritiesAndInvestmentsInParticipatingInterests` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`InterestIncomeRelatedIncome` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`NetResultAfterTax` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`OperatingExpenses` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`OperatingIncome` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`ResultAfterTaxExtraordinaryItems` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`ResultAfterTaxOrdinaryActivities` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`ResultAfterTax` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <label:label id="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_NL" xlink:label="ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_label_NL" xlink:role="http://www.xbrl.org/2008/role/label" xlink:type="resource" xml:lang="nl">`ResultBeforeTaxOrdinaryActivities` BEHOORT gelijk te zijn aan de sommatie van de onderliggende waarden.</label:label>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1Exist02ANDThnExist01Params2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1ExistenceThnExistenceCovU1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit2_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit3_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit4_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit5_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit6_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit7_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentCredit8_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit1_loc" xlink:type="locator"/>
    <link:loc xlink:href="kvk-consolidated-income-statement-banks-for.xml#valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2" xlink:label="valueAssertion_ConsolidatedIncomeStatementBanks_PrtFST1SumOfChildrenParentDebit2_loc" xlink:type="locator"/>
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